Bank Analysis School Case Study

FDIC Certificate # XXXX OCC Charter # 0 Public Report

Concentrations of Credit

SUNNY STATE BANK Analysis of Concentrations of Credit--Page 7B

12/31/20X5

12/31/20X4

12/31/20X3

12/31/20X2

YEAR 1

Loan & Leases as a % of Tier 1 Capital Plus Allowance

BANK 515.66 12.69 10.34 2.35 16.39 442.91 28.21 407.80

PG 10 407.43 24.41 11.97 9.60 59.12 189.58

PCT

BANK 517.15 14.51 10.38 4.13 13.24 440.51 22.39 410.76

PG 10 403.87 25.56 13.17 10.89 53.13 179.61

PCT

BANK 464.00 14.94 11.31 3.63 17.21 379.10 17.35 354.56

PG 10 403.42 26.12 12.32 10.90 55.82 174.62

PCT

BANK 443.33 17.87 13.39 4.48 18.53 356.60 16.20 333.36

PG 10 403.80 27.85 13.60 12.86 48.11 180.94

PCT

BANK 416.54 12.62

PG 10 415.29 31.19 13.80 14.45 40.48 187.06 10.20 166.19

PCT

Real Estate Loans

75 45 62 40 34 95 85 96 78 31 26 29 39 98 34 54 92 95 76 96 75

77 43 50 47 35 97 85 97 81 30 23 30 42 98 38 56 93 96 85 53 34

69 42 57 40 36 89 78 90 74 25 20 24 45 98 48 71 93 96 87 59 49 98 86

62 40 60 37 41 91 72 91 66 27 18 24 40 98 54 65 90 95 82 61 63 98 87

50 32 40 35 43 91 73 92 70 24 13 23 29 99 54 65 85 96 75 61 71 99 85

Construction & Development 1-4 Family Construction Other Const & Land Development

7.94 4.68

Secured by Farmland 1-4 Family Residential Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans

19.99 345.82 16.07 321.06

8.34

8.22

7.60

9.99

174.82

163.80

158.85

161.98

6.90 0.69

3.39 7.98

7.37 0.71

3.79 7.73

7.19 0.72

4.11 8.00

7.05 0.52

5.18 7.86

8.68 0.41

6.00 9.18

Multifamily

Non-Farm Non-Residential

42.98 23.45 19.53

102.88 54.99 40.91

48.18 26.11 22.07

114.13 65.10 41.19

52.03 18.04 33.99

112.52 60.46 42.63

49.80 19.15 30.65

117.71 62.92 47.54

37.70 19.18 18.52

122.35 64.34 50.92

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

RE Loans in Foreign Offices

N/A

0.00

N/A

N/A

0.00

N/A

N/A

0.00

N/A

N/A

0.00

N/A

N/A

0.00

N/A

Financial Institution Loans

0.00 5.52

0.00 37.80 55.06 27.51 0.19 11.50 1.78 0.49 0.00

0.00 5.31

0.00 41.40 62.01 29.92 0.27 10.90 2.20 0.62 0.00

0.00 17.28 76.63 78.31 7.59 25.47 0.21 0.18 0.00

0.00 40.27 59.86 26.31 0.18 9.92 2.30 1.14 0.00

0.00 18.63 70.89 61.58 6.09 19.35 0.30 0.35 0.00

0.00 35.29 62.36 25.87 0.18 9.57 2.40 1.32 0.00

0.00 15.13 75.02 48.87 5.82 18.05 0.37 0.83 0.00

0.00 31.95 63.65 27.65 0.17 10.26 1.62 1.28 0.00

Agricultural Loans

Commercial & Industrial Loans

55.08 72.26 7.73 21.15 14.44 0.85

60.17 82.67 8.77 25.16 0.12 0.06

Loans to Individuals Credit Card Loans

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

N/A 0.00 N/A N/A

N/A

0.21 0.00 0.00

84

0.30 0.00 0.00

88

0.00 N/A N/A

0.24 0.00 0.00

0.00 N/A N/A

0.18 0.00 0.00

0.00 N/A N/A

0.21 0.00 0.00

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

Supplemental: Loans to Finance Commercial Real Estate

0.00 0.00

0.00 0.00

92 98

0.00 0.00

0.02 0.00

92 98

0.00 0.00

0.00 0.00

93 98

0.00 0.00

0.00 0.00

93 98

0.00 0.00

0.33 0.00

95 99

Foreign Office Loans & Leases

Commercial Real Estate Loans as a % of Tier 1 Capital Plus Allowance: Non-owner OCC Commercial Real Estate Memo: NOO CRE 3-Year Growth Rate Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development Non-owner OCC Commercial Real Estate Total Commercial Real Estate

32.91 -37.21 56.36

83.20 22.43 143.40

23 11 20

37.29 8.78 63.40

84.06 39.74 155.34

22 48 19

49.64 16.41 67.68

86.37 19.42 154.27

28 55 16

49.05 19.21 68.20

91.98 20.34 160.14

27 58 19

31.55 -36.85 50.73

100.68 13.32 169.73

18 11 12

1.91 4.96 8.49

4.32 15.34 26.16

32 21 15

2.18 5.60 9.53

4.40 15.56 28.55

38 22 11

2.35 7.80

4.67 15.98 28.68

38 24 12

3.00 8.24 11.46

5.00 17.08 29.76

36 19 14

2.27 5.67 9.11

5.40 17.92 30.61

30 15 10

Total Commercial Real Estate

10.63