Bank Analysis School Case Study

FDIC Certificate # XXXX OCC Charter # 0 Public Report

SUNNY STATE BANK Balance Sheet $--Page 4

Balance Sheet $

Percent Change 1 Quarter 1 Year

12/31/20X5

12/31/20X4

12/31/20X3

12/31/20X2

12/31/20X1

Assets: Real Estate Loans

35,957

35,575

33,612 1,082 1,247 27,462

33,037 1,332 1,381 26,574

31,128

-0.78

1.07

Construction & Development

885

998 911

943 12.03 -11.32

Farmland

1,143 30,884

1,494 25,843

0.18 25.47

1-4 Family Residential

30,303

-1.67

1.92

Multifamily

48

49

52

39

31

0.00 -2.04 4.97 -9.57 N/A N/A -0.13 -7.20 -7.42 -11.39 1.31 21.25 N/A N/A -0.56 -6.62 -8.39 -11.42 N/A N/A N/A N/A N/A N/A 2.90 -97.01 N/A N/A N/A N/A N/A N/A -2.11 -14.88 -0.23 -5.20 6.52 -14.79 -1.02 -3.93 N/A N/A N/A N/A 0.58 -4.51 -2.35 -5.38 -6.58 -30.93 -2.53 -3.29 -9.88 -15.84 N/A N/A -5.07 -3.40 N/A N/A 0.17 -18.97 N/A N/A -4.98 -3.73 N/A N/A N/A -50.00 N/A N/A N/A N/A N/A N/A 6.27 -23.04 0.36 -4.53 3.35 -4.34 0.58 -4.51 0.81 0.97 -2.56 3.75 -1.68 -6.09 9.03 3.21 0.00 5.48

Non-Farm Non-Residential RE Loans in Foreign Offices

2,997

3,314

3,769

3,711

2,817

N/A

N/A

N/A

N/A

N/A

Commercial Loans Individual Loans Agricultural Loans Other Loans & Leases LN&LS Allowance Unearned Income Net Loans & Leases

3,841 5,039

4,139 5,687

5,551 5,673 1,252

5,283 4,589 1,388

5,606 3,652 1,131

385

365

11.92

1,066

12

28

48

90 2,633.33 8,783.33

388

320

352

317

404

0

0

0

0

0

45,900 19,994 4,606

45,458 21,411 5,200

45,764 21,056 4,774

44,028 20,562 4,878

41,203 19,824 8,039

U.S. Treasury & Agency Securities Municipal Securities Foreign Debt Securities All Other Securities HTM Securities Allowance Interest-Bearing Bank Balances

0 0

0 0

0 0

0 0

0 0

N/A

N/A

N/A 206

N/A

N/A

71

2,373

56

53

Federal Funds Sold

0 0 0

0 0 0

0 0 0

0 0 0

1,533

Sec Purch Under Agreemt to Resell

0 0

Trading Account Assets Total Investments Total Earning Assets

24,671 70,571

28,984 74,442

26,036 71,800

25,496 69,524

29,449 70,652

Nonint Cash & Due From Banks Premises, Fix Assts, Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs

2,403 4,153 1,057

2,820 4,323

3,121 4,526

2,586 4,137

3,383 3,284

631

711

996

673 153.48 67.51

0 0

0 0

0 0

0 0

0 0

Other Assets Total Assets

4,039 82,223 80,935

3,893 86,109 85,540

4,007 84,165 81,951

3,736 80,979 80,368

3,794 81,786 82,696

Average Assets During Quarter

Liabilities: Demand Deposits

9,535 24,374 3,069 19,295 9,773

8,745 23,617 4,443 19,952 11,612

8,486 22,026 5,341 19,343 13,745

8,444 18,629 4,326 18,897 16,264

9,224 18,427 4,857 15,825 18,456

All Now & ATS Accounts Money Market Deposit Accounts

Other savings Deposits

Time Deps At Or Below Insurance Limit Less: Fully Insured Brokered Deposits Fully Insured Brokered Deposits Time Deps Above Insurance Limit Deposits in Foreign Offices Sec Sold Under Agreemt to Repurch Fed Home Loan Bor Mat < 1 Year Fed Home Loan Bor Mat > 1 Year Oth Borrowing Mat < 1 Year Oth Borrowing Mat > 1 Year Subordinated Notes & Debentures Core Deposits Total Deposits Federal Funds Purchased

0

0

0

0

0

66,046

68,369

68,941

66,560

66,789

0

0

0

0

0

1,209

1,492

1,577

1,036

2,116

N/A

N/A

N/A

N/A

N/A

67,256 4,123

69,861 3,639

70,519 1,238

67,596

68,905

443

0 884.01 13.30

0

0

0

0

0

1,000 2,000

2,000 2,000

1,000 3,000

3,000 1,000

3,000

1,000 -33.33

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

Other Liabilities Total Liabilities

1,610 75,989 6,234 82,223

2,092 79,592 6,517 86,109

1,732 77,489 6,676 84,165

1,821 73,860 7,119 80,979

1,777 74,682 7,104 81,786

Total Bank Capital & Min Int Total Liabilities & Capital Memoranda: Officers, Shareholder Loans (#) Officers, Shareholder Loans ($) Held-to-Maturity Securities

0

0

0

0

0

266

240

244

248

251

-1.48 10.83 N/A N/A

0

0

0

0

0