Bank Analysis School Case Study
FDIC Certificate # XXXX OCC Charter # 0 Public Report Percent of Average Assets Loans Held For Sale Loans Not Held For Sale Less: LN&LS Allowance
SUNNY STATE BANK Balance Sheet Percentage Composition--Page 6
Balance Sheet %
12/31/20X5
12/31/20X4
12/31/20X3
12/31/20X2
12/31/20X1
BANK 0.10 55.04 0.43 54.71
PG 10 0.01 62.20 0.82 61.42
PCT
BANK 0.00 54.67 0.37 54.29
PG 10 0.08 61.46 0.84 60.88
PCT
BANK 0.12 54.85 0.40 54.56
PG 10 0.05 61.62 0.85 60.98
PCT
BANK 0.07 52.48 0.44 52.10
PG 10 0.04 60.34 0.90 59.60
PCT
BANK 0.00 50.35 0.43 49.92
PG 10 0.03 59.88 0.92 59.02
PCT
90 29 14 31 15 42 98 62
84 31
85 28
84 27 11 30
82 23 10 23
2
7
Net Loans & Leases
31
28
Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Held-to-Maturity Securities HTM Securities Allowance Available-for-Sale Securities Marketable Equity Sec at FV Nonint Cash & Due From Banks Premises, Fix Assts & Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs Acceptances & Other Assets Total Non-Earning Assets Total Earning Assets
0.74 0.10 0.00 0.00 N/A
6.71 1.19 0.00 2.28 0.00
0.70 0.42 0.00 0.00 N/A
6.61 1.52 0.00 2.29 0.00
11 51 98 64
0.15 0.43 0.00 0.00 N/A
6.52 1.42 0.00 1.96 0.00
6
0.12 0.96 0.00 0.00 N/A
7.29 1.31 0.00 1.84 0.00
7
0.07 0.36 0.00 0.00 N/A
7.17 1.16 0.00 1.19 0.00
2
43 98 67
62 98 65
49 99 69
N/A
N/A
N/A
N/A
N/A
30.70
16.11 0.00
82
30.46
16.49 0.00
80
30.17
16.00 0.00
79
33.40
16.66 0.00
82
36.65
17.57 0.00
87
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
86.25
92.10
3
85.87
91.77
3
85.32
91.51
8
86.58
91.16
13
87.00
90.91
14
2.98 5.09 0.79 0.00 0.00 4.89
2.70 2.08 0.27 0.00 0.00 2.41 7.90
62 90 87 98 93 90 96 96
3.48 5.22 0.80 0.00 0.00 4.64
2.98 2.10 0.34 0.00 0.00 2.48 8.23
64 90 81 98 97 89 96 98
3.59 5.35 1.18 0.00 0.00 4.55
3.09 2.18 0.43 0.00 0.01 2.42 8.49
67 90 79 98 96 87 91 98
3.46 4.33 0.98 0.00 0.00 4.65
3.10 2.36 0.60 0.00 0.00 2.29 8.84
67 85 73 98 93 88 86 98
3.60 3.90 0.84 0.00 0.00 4.65
3.24 2.45 0.67 0.00 0.00 2.26 9.09
62 80 64 99 93 91 85 99
13.75 100.00
14.13 100.00
14.68 100.00
13.42 100.00
13.00 100.00
Total Assets
100.00
100.00
100.00
100.00
100.00
Standby Letters of Credit
0.04
0.06
64
0.07
0.08
65
0.07
0.07
61
0.06
0.08
58
0.05
0.13
57
Liabilities Demand Deposits
10.81 29.90 4.31 23.86 13.19 0.00 82.07 0.00
21.58 13.00 10.48 14.93 20.31 0.42 82.41 0.42
6
10.09 27.36 6.08 23.31 15.23 0.00 82.07 0.00
21.11 12.93 11.35 14.91 20.24 0.32 82.35 0.32
3
10.17 25.43 5.99 22.73 18.38 0.00 82.70 0.00
20.05 12.99 11.53 14.11 21.63 0.24 82.58 0.24
4
10.64 23.38 5.72 21.27 20.81 0.00 81.81 0.00
20.33 13.24 11.55 13.43 22.72 0.22 82.96 0.22
5
10.61 21.12 4.53 18.13 24.99 0.00 79.39 0.00
19.20 12.60 11.60 12.43 25.42 0.16 83.03 0.16
6
All NOW & ATS Accounts Money Market Deposit Accounts
93 26 84 26 76 42 76 28 93 81 87 62 98 95 95 25
93 35 82 28 80 42 80 36 93 85 86 67 98 94 93 27
89 33 84 34 80 45 80 39 84 81 89 50 98 95 84 15 92 80 80 28
89 31 81 41 79 39 79 44 72 87 87 76 97 96 77 22 92 78 79 26
87 23 76 54 81 26 81 56 83 91 86 85 99 97 85 14
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 Core Deposits
1.52 N/A
2.97 0.00
1.89 N/A
3.20 0.00
1.51 N/A
2.84 0.00
1.95 N/A
2.90 0.00
2.69 N/A
2.87 0.00
N/A
N/A
N/A
N/A
N/A
Total Deposits
83.59
86.58
83.96
86.50
84.20
86.37
83.77
86.72
82.08
86.81
Federal Funds Purch & Repos Total Fed Home Loan Borrowings
2.73 4.20 0.00 4.15 0.00 2.02
0.22 1.43 0.01 3.84 0.00 0.52
1.25 4.72 0.00 4.36 0.00 2.05
0.15 1.48 0.01 3.42 0.00 0.54
0.41 4.61 0.00 2.03 0.00 2.11
0.13 1.53 0.00 2.87 0.00 0.50
0.11 5.21 0.00 5.05 0.00 2.18
0.19 1.55 0.01 3.20 0.00 0.50
0.54 7.33 0.00 6.96 0.00 2.07
0.22 1.53 0.00 3.28 0.00 0.44
Total Other Borrowings
Memo: Sht Ter N Core Funding
Subordinated Notes & Debentures Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
92.54
89.51
91.99
89.25
91.33
89.22
91.27
89.53
92.01
89.75
Total Bank Capital & Min Int Total Liabilities & Capital Memo: All Brokered Deposits Insured Brokered Deposits
7.46
10.49 100.00
4
8.01
10.75 100.00
6
8.67
10.78 100.00
8.73
10.47 100.00
7.99
10.25 100.00
14
100.00
90
100.00
89
100.00
100.00
100.00
9
0.00 0.00
0.54 0.42
73 76
0.00 0.00
0.36 0.32
78 81
0.00 0.00
0.28 0.24
0.00 0.00
0.27 0.22
0.00 0.00
0.17 0.16
81 81
Loans HFS as a % Loans
0.18
0.02
92
0.00
0.12
84
0.22
0.07
85
0.13
0.07
84
0.00
0.04
82
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