Bank Analysis School Case Study

FDIC Certificate # XXXX OCC Charter # 0 Public Report

SUNNY STATE BANK Off Balance Sheet Items--Page 5

Off Balance Sheet Items

Percent Change 1 Quarter 1 Year

12/31/20X5

12/31/20X4

12/31/20X3

12/31/20X2

12/31/20X1

BANK PG 10 PCT BANK PG 10 PCT BANK PG 10 PCT BANK PG 10 PCT BANK PG 10 PCT

Outstanding (% of Total Assets) Home Equity (1-4 Family)

1.68 1.57 1.17 1.13 0.04 0.00 4.53 8.95 0.00 0.04 N/A 0.00 0.00 0.00 0.00 0.00

0.70 0.11 1.26 0.58 0.54 0.03 4.01 7.11 0.00 0.07 0.00 0.00 0.27 0.00 0.00 0.00

79 93 51 73 42 96 64 68 95

1.77 1.30 0.49 0.49 0.00 0.00 3.11 6.67 0.00 0.03 N/A 0.00 0.00 0.00 0.00 0.00

0.75 0.11 1.44 0.69 0.61 0.02 3.85 7.22 0.00 0.08 0.00 0.00 0.13 0.00 0.00 0.00

78 93 40 50 36 96 52 51 98

1.20 1.29 0.41 0.41 0.00 0.00 4.21 7.11 0.00 0.11 N/A 0.00 0.00 0.00 0.00 0.00

0.63 0.08 1.20 0.59 0.44 0.00 4.21 7.20 0.00 0.08 0.00 0.00 0.23 0.02 0.00 0.00

77 92 37 55 30 96 59 55 98

0.94 1.35 0.99 0.99 0.00 0.00 3.77 7.05 0.00 0.06 N/A 0.00 0.00 0.00 0.00 0.00

0.80 0.08 1.55 0.69 0.68 0.03 3.81 7.25 0.00 0.08 0.00 0.00 0.33 0.03 0.00 0.00

64 92 47 68 26 95 52 53 98

0.86 1.20 1.20 1.17 0.03 0.00 3.38 6.64 0.00 0.06 N/A 0.00 0.00 0.00 0.00 0.00

0.82 0.07 1.21 0.60 0.49 0.03 4.02 7.14 0.00 0.11 0.00 0.00 0.45 0.04 0.00 0.00

60 93 63 79 34 97 48 55 99

Credit Card

Commercial RE Secured by RE 1-4 Fam Residential Const & Land Comml RE, Oth Const & Land Commercial RE Not Secured by RE

All Other

Total LN&LS Commitments

Securities Underwriting

Standby Letters of Credit Amount Conveyed to Others Commercial Letters of Credit Assets Securitized or Sold w/Rec Amount of Recourse Exposure Credit Derivatives Bank as Guarantor Credit Derivatives Bank as Beneficiary

62

56

74

60

57

N/A

N/A

N/A

N/A

N/A

92

90

89

88

86

84 95 95 95

86 91 95 95

86 86 98 98

86 86 98 98

84 84 99 99

All Oth Off-Balance Sheet Items

0.00

0.15

89

0.00

0.03

92

0.00

0.10

90

0.00

0.03

92

0.00

0.03

92

Off-Balance Sheet Items Outstanding ($000) Home Equity (1-4 Family)

8.99

8.55

65

6.70

8.15

47

7.22

8.84

46

7.10

8.36

48

6.69

8.37

48

1,384 1,291

1,522 1,121

1,011 1,086

765

701 -27.16 -9.07

Credit Card

1,092

981

0.08 15.17

Commercial RE Secured by RE 1-4 Fam Residential Const & Land Commercial RE, Oth Const & Land Commercial RE Not Secured by RE

963 928

420 420

347 347

798 798

981 -23.51 129.29 959 -14.94 120.95 22 -79.17 N/A

35

0 0 0 0

0 0 0 0

0 0 0 0

0

0

N/A N/A

All Other

3,724

2,678

3,542

3,052

2,767 -34.70 39.06

Securities Underwriting

0

0 0

N/A N/A 8.68 N/A 0.00 0.00 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Memo: Unused Commit w/mat GT 1 YR

7,362

Standby Letters of Credit Amount Conveyed to Others Commercial Letters of Credit

30

30

90

45

45

N/A

N/A

N/A

N/A

N/A

0

0

0

0

0

Assets Securitized or Sold w/recourse Amount of Recourse Exposure Credit Derivatives Bank as Guarantor Credit Derivatives Bank as Beneficiary

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0

All Oth Off-Balance Sheet Items

0

0

0

0

0

N/A N/A

Off-Balance Sheet Items

7,392

5,771

6,076

5,752

5,475 -27.40 28.09