Bank Analysis School Case Study

FDIC Certificate # XXXX OCC Charter # 0 Public Report

SUNNY STATE BANK Analysis of Loan Allowance and Loan Mix--Page 7A

Allowance & Loan Mix-b

12/31/20X5

12/31/20X4

12/31/20X3

12/31/20X2

12/31/20X1

BANK 77.92

PG 10 74.25

PCT

BANK 74.39

PG 10 72.65

PCT

BANK 73.69

PG 10 73.10

PCT

BANK 74.57

PG 10 73.70

PCT

BANK 74.48

PG 10 74.40

PCT

Loan Mix, % Average Gross LN&LS

Real Estate Loans

59 31 43 42 29 93 81 93 68 25 20 31 39 98 34 43 90 95 76 70 65

46 35 50 36 31 94 78 94 75 26 15 22 43 98 46 51 90 96 82 53 34 98 85

45 39 54 40 33 92 78 92 66 22 19 22 40 98 45 59 90 96 84 59 71 98 85

47 30 47 34 40 91 74 91 68 24 19 24 32 98 53 58 85 95 78 60 68 98 85

45 32 38 41 49 91 73 92 73 21 13 25 27 99 52 72 78 95 76 61 67 99 83

Construction & Development 1-4 Family Construction Secured by Farmland 1-4 Family Residential Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans Other Const & Land Development

1.96 1.48 0.48 2.52

4.19 2.05 1.53

2.26 1.73 0.53 2.34

4.46 2.19 2.04 9.39

2.63 2.01 0.62 2.90

4.40 2.01 1.93 9.83

2.48 1.58 0.90 3.43

5.13 2.20 2.45 8.39

2.54 1.27 1.26 4.06

5.31 2.19 2.58 6.90

10.48 34.40 1.55 31.41 0.71 1.38 18.97 9.88 7.76 0.00

66.67 4.01 61.58 1.08

62.63 2.99 58.52 1.12 0.09 7.07 3.13 3.94 N/A 0.00 2.19 1.24 4.03 0.03 0.03 0.00 0.00 N/A N/A 10.80 12.57

31.93 1.44 29.16 0.73 1.43 20.87 11.83 7.62 0.00 0.00 7.64 11.16 5.43 0.05 1.96 0.40 0.15 0.00 0.05 0.00 0.00

59.66 2.68 55.83 1.15

31.05 1.31 28.16 0.79 1.38 21.28 11.61 8.45 0.00

60.71 2.88 56.49 1.35 0.08 7.87 3.42 4.45 N/A 0.00 2.84 1.03 3.24 0.06 0.14 0.00 0.00 N/A N/A 12.60 9.79

32.55 1.70 29.08 1.03 1.51 21.80 11.66 8.84 0.00 0.00 6.44 11.48 4.84 0.04 1.78 0.40 0.26 0.00 0.03 0.00 0.00

60.76 2.57 56.39 1.80 0.09 7.04 3.41 3.63 N/A 0.00 2.40 1.01 3.39 0.07 0.09 0.00 0.00 N/A N/A 14.94 8.01

33.32 1.77 29.74 1.13 1.61 22.38 11.49 9.76 0.00 0.00 5.47 11.28 5.03 0.03 2.01 0.31 0.24 0.00 0.04 0.00 0.00

Multifamily

0.11 6.66 3.55 3.11 N/A

0.08 8.42 2.90 5.52 N/A

Non-Farm Non-Residential

Owner Occupied Non-Farm Non-Residential Other Non-Farm Non-Residential

RE Loans in Foreign Offices

N/A

N/A

N/A

N/A

N/A

Financial Institution Loans

0.00 0.78 8.80 11.97 1.21 3.55 0.45 0.09

0.00 7.22

0.00 2.79 11.80 11.49 1.07 3.72 0.04 0.18 0.00 0.00

0.00 7.50

Agricultural Loans

Commercial & Industrial Loans

10.10 5.11

10.70 4.73

Loans to Individuals Credit Card Loans

0.05 2.13 0.33 0.10 0.00 0.04 0.00 0.00

0.03 1.77 0.48 0.21 0.00 0.03 0.00 0.00

Auto Loans

Municipal Loans

Non-Depository and Other Loans to Foreign Governments Lease Financing Receivables

N/A 0.00 N/A N/A

N/A

84

Leases to Individuals All Other Leases

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

Supplemental: Loans to Finance Comml Real Est Foreign Office Loans & Leases Memorandum (% of Avg Tot Loans): Loans & Lease Commitments Officer, Shareholder Loans Officer, Shareholder Loans to Assets Other Real Estate Owned % Assets Construction & Land Development

0.00 0.00

0.00 0.00

92 98

0.00 0.00

0.01 0.00

92 98

0.00 0.00

0.00 0.00

93 98

0.00 0.00

0.01 0.00

90 98

0.00 0.00

0.00 0.00

94 99

16.01 0.58

11.91 1.39 0.79

68 34 32

12.23 0.51

12.08 1.28

56 30 26

13.17 0.54

11.91 1.43 0.86

60 31 26

13.01 0.57

12.15 1.50

58 35 33

12.79 0.59

12.10 1.44

61 38 35

0.32

0.28

0.78

0.29

0.31

0.89

0.31

0.89

0.00 0.00 0.33 0.00 0.46 0.00 N/A 0.79 0.00 0.79 0.00 7.62 0.00 7.62

0.04 0.00 0.08 0.00 0.09 0.00 0.00 0.27 0.00 0.27 0.00 0.00 0.00 2.21

78 89 87 90 87 98

0.00 0.00 0.26 0.00 0.54 0.00 N/A 0.80 0.00 0.80 0.00 0.00 0.00 0.00

0.07 0.02 0.08 0.00 0.09 0.00 0.00 0.34 0.00 0.34 0.00 0.00 0.00 2.33

75 96 85 90 89 98

0.00 0.00 0.67 0.00 0.51 0.00 N/A 1.18 0.00 1.18 0.00 0.00 0.00 0.00

0.11 0.01 0.09 0.00 0.10 0.00 0.00 0.43 0.00 0.43 0.03 1.31 0.01 2.10

63 96 92 91 87 98

0.00 0.00 0.57 0.00 0.41 0.00 N/A 0.98 0.00 0.98

0.19 0.01 0.13 0.00 0.18 0.00 0.00 0.60 0.00 0.60 0.04 2.61 0.02 3.49

61 95 87 94 80 98

0.00 0.00 0.64 0.00 0.21 0.00 N/A 0.84 0.00 0.84

0.18 0.00 0.16 0.00 0.22 0.00 0.00 0.67 0.00 0.67 0.08 2.10 0.26 3.77

57 92 87 92 59 99

Farmland 1-4 Family Multifamily

Non-Farm Non-Residential

Foreclosed GNMA Foreign Offices

N/A

N/A

N/A

N/A

N/A

Subtotal

87 98 87

81 98 81

79 98 79

73 98 73

64 99 64

Direct and Indirect Inv

Total

Asset Servicing % Assets Mortgage Servicing w/ Recourse Mortgage Servicing w/o Recourse

95 95 90 85

91 95 91 84

92 87 92 85

0.00 11.77 0.00 11.77

91 87 93 84

0.00 12.51 0.00 12.51

89 88 95 84

Other Financial Assets

Total