Bank Analysis School Case Study

FDIC Certificate # XXXX OCC Charter # 0 Public Report YIELD ON OR COST OF: Total Loan & Leases (TE) Loans in Domestic Offices

SUNNY STATE BANK Asset Yields and Funding Costs--Page 3a

Asset Yields and Funding Costs

12/31/20X5

12/31/20X4

12/31/20X3

12/31/20X2

12/31/20X1

BANK

PG 10 5.58 5.57 5.32 5.43 5.36 6.10 7.54 0.00 2.35 2.22 1.86 2.21 2.35 1.86 1.86 0.65 0.26 0.37 1.10 0.00 1.62 1.77 0.00 3.47 0.70 13.85 5.66 62.22 61.98 44.57 20.64 23.53 6.17 2.79 0.03 9.69 0.00 21.40 4.99 5.23 8.03 65.30 14.04 25.98 23.34 0.00 6.50 1.24 1.48

PCT

BANK

PG 10 5.50 5.49 5.27 5.35 5.31 5.98 6.89 0.00 2.42 2.12 1.72 1.88 2.42 1.03 1.05 0.49 0.17 0.27 0.87 0.00 0.85 1.65 0.00 1.35 0.52 12.22 5.47 61.73 61.47 43.59 19.02 23.94 6.97 3.04 0.03 10.94 0.00 20.90 5.02 4.37 8.69 66.21 14.36 27.14 23.19 0.00 6.42 1.66 1.13

PCT

BANK

PG 10 5.47 5.47 5.28 5.33 5.35 5.95 7.19 0.00 2.43 2.12 1.80 1.74 2.48 0.73 0.42 0.47 0.17 0.25 0.81 0.00 0.28 1.52 0.00 0.00 0.51 14.55 5.27 61.90 61.59 43.78 18.57 24.61 6.74 2.64 0.02 10.48 0.00 19.91 4.83 4.25 7.59 66.45 13.95 26.51 24.32 0.00 6.34 1.50 0.89

PCT

BANK

PG 10 5.54 5.54 5.41 5.44 5.48 5.73 7.14 0.00 2.30 2.05 1.65 1.81 2.57 0.64 0.18 0.45 0.14 0.23 0.79 0.00 0.35 1.68 0.83 0.00 0.49 18.24 5.25 60.47 60.20 42.96 18.95 23.76 7.12 2.60 0.02 9.87 0.00 20.17 6.32 4.16 6.89 66.30 13.68 25.55 25.76 0.00 7.08 1.42 0.84

PCT

BANK

PG 10 5.68 5.68 5.49 5.58 5.52 6.00 7.36 0.00 2.34 2.07 1.60 2.00 2.59 0.58 0.17 0.51 0.15 0.24 0.88 0.00 0.34 1.95 0.00 0.00 0.55 16.76 5.21 59.90 59.72 43.53 19.63 23.52 6.90 2.75 0.02 9.48 0.00 20.93 6.60 4.51 6.87 67.38 13.21 24.65 28.44 0.00 6.84 1.23 0.92

PCT

5.23 5.23 4.83 4.68 5.69 7.71 6.01 6.90 6.47 N/A 2.35 2.35 2.04 2.32 2.89 1.02 2.03 0.49 0.57 0.21 0.88 N/A 2.05 2.06 N/A N/A 0.60

29 31 18 17 68 90 25 10 82 52 69 66 64 77 10 69 31 82 25 28

5.33 5.33 4.85 4.71 5.62 6.89 6.17 7.86 7.47 N/A 2.24 2.24 2.03 2.15 2.81 0.88 0.97 0.40 0.36 0.24 0.75 N/A 1.50 1.60 N/A N/A 0.48

48 50 25 23 68 76 38 25 91 37 59 75 62 71 25 30 39 88 47 42

5.39 5.39 5.03 4.88 5.69 6.68 6.19 7.90 7.04 N/A 2.46 2.17 2.15 1.90 3.05 0.30 0.49 0.39 0.26 0.24 0.77 N/A 0.90 1.63 N/A N/A 0.47

54 54 33 30 74 75 37 20 95 53 51 63 54 75 19 58 36 81 49 50

5.39 5.39 4.92 4.74 5.73 6.90 6.57 8.19 6.87 N/A 2.74 2.33 2.09 1.95 3.31 0.00 0.27 0.43 0.23 0.23 0.84 N/A 1.10 1.28 N/A N/A 0.49

47 47 21 22 69 87 46 33 90 70 66 70 49 73 14 77 43 80 55 57

5.52 5.51 5.04 4.86 5.87 6.73 6.88 8.28 7.08 N/A 3.23 2.60 2.00 2.27 3.44 0.00 0.25 0.60 0.22 0.22 1.16 N/A 0.89 1.31 N/A N/A 0.66

50 49 21 22 72 78 43 27 95 85 80 70 65 78 13 79 65 76 52 78

Real Estate

Secured by 1-4 Fam Resi Prop All Other Loans Sec Real Estate

Commercial & Industrial

Individual

Credit Card

Agricultural

Loans in Foreign Offices Total Investment Securities (TE) Total Investment Securities (Book) US Treas & Agency (Excl MBS) Mortgage Backed Securities Interest-Bearing Bank Balances Federal Funds Sold & Resales Total Interest Bearing Deposits All Other Securities

N/A

N/A

N/A

N/A

N/A

Transaction accounts Other Savings Deposits

Time Deposits

Foreign Office Deposits

N/A

N/A

N/A

N/A

N/A

Federal Funds Purchased & Repos

45 71

71 46

82 54

89 45

83 41

Other Borrowed Money Subord Notes & Debentures Other Interest Expense All Interest-Bearing Funds

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

39

53

48

50

67

Memo: Interest on Time Dep Over Ins Limit

1.09

29

1.30

69

0.86

53

0.92

59

1.25

78

PERCENT OF AVERAGE ASSETS: Total Loan & Leases

55.62 55.62 43.38 37.10 6.28 4.85 5.97 0.67 0.43 32.05 9.25 16.61 6.19 73.76 29.78 28.82 15.16 N/A 0.47 0.18

29 29 40 92 40 87 95 81 76 92 50 40 93 93 64 26 87 81 98 81 93 7 2 9

55.30 55.30 40.92 34.54 6.38 6.05 6.28 0.68 1.37 31.03 8.90 16.22 5.91 74.99 27.22 29.90 17.88 N/A 0.27 0.73

30 32 40 88 51 86 96 78 77 92 46 50 93 88 63 32 84 84 98 84 90 6 2 9

55.55 55.55 40.59 32.93 7.67 6.52 5.78 0.58 1.54 30.08 7.61 16.92 5.56 75.49 25.69 29.01 20.79 N/A 0.41 1.26

27 30 36 86 55 87 96 77 73 93 46 59 93 85 62 38 80 81 98 81 96 6 4 7

52.96 52.96 39.51 32.17 7.33 6.57 4.64 0.53 1.47 34.24 11.11 14.80 8.33 74.42 23.18 27.32 23.92 N/A 0.11 0.93

31 31 37 86 54 86 94 81 78 90 61 61 86 85 58 44 81 86 97 86 96 4 4 8

50.49 50.49 37.49 30.77 6.72 7.76 3.57 0.50 1.18 37.40 12.53 11.50 13.37 72.36 20.73 22.89 28.74 N/A 0.09 0.47

26 26 31 83 57 71 96 85 81 82 74 45 73 84 42 56 83 91 99 91 94 4 2 4

Loans in Domestic Offices

Real Estate

Secured by 1-4 Fam Resid Prop All Other Loans Sec Real Estate

Commercial & Industrial

Individual

Credit Card

Agricultural

Loans in Foreign Offices Total Investment Securities US Treas & Agency (Excl MBS) Mortgage Backed Securities Interest-Bearing Bank Balances Federal Funds Sold & Resales Total Interest Bearing Deposits All Other Securities

N/A

N/A

N/A

N/A

N/A

Transaction Accounts Other Savings Deposits

Time Deposits

Foreign Office Deposits

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Federal Funds Purchased & Repos Other Borrowed Money Subord Notes & Debentures Other Interest Expense Balances All Interest-Bearing Funds

1.12 4.24 0.00 4.24

0.19 1.53 0.00 1.53

0.40 4.75 0.00 4.75

0.18 1.51 0.00 1.51

0.14 4.67 0.00 4.67

0.12 1.54 0.00 1.54

0.34 5.26 0.00 5.26

0.15 1.57 0.00 1.57

0.40 7.34 0.00 7.34

0.15 1.56 0.00 1.56

79.12

67.86

80.14

68.68

80.30

68.76

80.01

68.75

80.09

69.91

Time Deposits Over Ins Limit

2.21

2.96

42

1.91

3.30

38

N/A

0.00

N/A

N/A

0.00

N/A

N/A

0.00

N/A