Bank Analysis School Case Study
FDIC Certificate # XXXX OCC Charter # 0 Public Report
SUNNY STATE BANK Analysis of Past Due, Nonaccrual & Restructured--Page 8A
PD, Nonacc & Rest Loans-b
12/31/20X5
12/31/20X4
12/31/20X3
12/31/20X2
12/31/20X1
% of Non-Current LN&LS by Loan Type Financial Institution LNS-90+ Days P/D
BANK
PG 10
PCT N/A N/A N/A N/A
BANK
PG 10
PCT N/A N/A N/A N/A
BANK
PG 10
PCT N/A N/A N/A N/A
BANK
PG 10
PCT N/A N/A N/A N/A
BANK
PG 10
PCT N/A N/A N/A N/A
N/A N/A N/A N/A 0.16 0.00 0.16 0.70 0.00 0.00 0.00 0.00 0.73 0.00 0.73 1.53 0.56 0.00 0.56 0.93 1.90 0.00 1.90 3.59 0.00 0.00 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 0.65 0.53 1.18 1.64
0.00 0.00 0.00 0.00 0.03 0.75 0.94 0.98 0.03 0.30 0.33 0.06 0.10 0.35 0.50 1.02 0.31 0.76 1.06 2.92 0.08 0.34 0.52 1.06 0.02 0.44 0.70 0.65 0.00 0.79 0.79 0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.13 0.94 1.19 1.06 6.89 2.47 1.67 8.81 9.85 0.08 0.39
N/A N/A N/A N/A 0.99 0.00 0.99 0.00 0.00 0.00 0.00 0.00 0.26 0.00 0.26 1.37 0.00 0.00 0.00 1.00 0.58 0.00 0.58 2.37 0.00 0.00 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 1.76 0.56 2.32 1.12
0.00 0.00 0.00 0.00 0.02 0.71 0.79 0.58 0.00 0.30 0.36 0.40 0.09 0.28 0.44 1.34 0.96 0.53 1.49 1.90 0.06 0.42 0.57 1.54 0.01 0.59 0.70 0.24 0.00 0.57 0.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.10 0.94 1.12 1.10
N/A N/A N/A N/A 0.00 2.45 2.45 3.58 0.00 0.00 0.00 0.00 0.33 0.00 0.33 1.89 3.09 0.00 3.09 2.55 0.11 0.00 0.11 3.69 0.00 0.00 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 1.67 0.91 2.57 1.70
0.00 0.00 0.00 0.00 0.01 0.52 0.62 0.83 0.00 0.10 0.10 0.08 0.13 0.19 0.46 0.92 0.62 0.48 1.10 1.73 0.06 0.19 0.40 0.97 0.40 0.02 0.04 0.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.12 0.96 1.15 1.03
N/A N/A N/A N/A 0.11 0.00 0.11 0.00 0.00 0.00 0.00 0.00 0.52 0.00 0.52 0.61 2.64 0.00 2.64 0.66 0.00 0.00 0.00 1.60 0.00 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 2.09 0.90 2.99 1.24
0.00 0.00 0.00 0.00 0.03 0.75 0.97 0.59 0.03 0.01 0.14 0.04 0.10 0.37 0.58 1.01 0.29 0.52 0.81 2.28 0.05 0.32 0.47 1.04 0.01 0.00 0.06 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.15 1.01 1.27 0.97
N/A N/A N/A N/A 0.70 0.00 0.70 0.00 0.00 0.00 0.00 0.00 1.07 0.00 1.07 0.85 0.69 0.00 0.69 1.84 1.70 0.00 1.70 1.04 0.00 0.00 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 2.22 0.68 2.90 1.88
0.00 0.00 0.00 0.00 0.06 0.81 1.06 0.51 0.00 0.02 0.02 0.05 0.08 0.30 0.47 1.07 0.14 0.32 0.46 2.89 0.14 0.23 0.45 1.12 0.62 0.00 0.00 0.56 0.00 0.00 0.00 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.12 0.89 1.06 0.91
-Nonaccrual
-Total
-30-89 DAYS P/D
Coml & Indust LNS-90+ Days P/D
85 55 57 66 91 82 79 76 92 54 68 73 70 70 50 50 96 67 85 85 92 91 87 76
97 61 72 48 91 83 83 78 85 60 54 60 75 81 62 50 90 66 69 72 90 89 84 75
91 87 85 85 95 85 85 78 85 66 66 79 93 80 86 73 88 72 64 90 95 92 91 78
89 50 51 57 90 90 83 79 88 60 66 56 93 80 86 53 85 70 63 73 91 93 86 97
92 55 66 46 92 87 85 78 94 56 77 55 88 83 77 61 94 69 85 62 96 94 92 82
-Nonaccrual
-Total
-30-89 DAYS P/D
Agricultural LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Loans to Individuals-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Credit Card Plans-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Auto Loans
-Nonaccrual
-Total
-30-89 DAYS P/D
Non-depository, Other and Muni-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
35.42
Lease Financing-90+ Days P/D
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
-Nonaccrual
-Total
-30-89 DAYS P/D
Leases to Individuals-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
All Other Leases-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Total LN&LS-90+ Days Past Due
87 50 57 65 65 70 57 82 85 85 76 56
96 40 78 56 94 88 69 85 89 59 75 47
96 57 84 71 93 91 78 84 85 69 73 42
95 65 83 67 94 88 79 83 85 69 74 41
98 53 86 76 93 85 84 81 83 57 80 54
-Nonaccrual
-Total
-30-89 DAYS P/D
Other Pertinent Ratios: Non-Cur LN&LS to-LN&LS Allowance % Total P/D LN&LS-Incl Nonaccrual Non Curr LNS+OREO to LNS+OREO Non Curr LNS+OREO to T1 Cap + Allow Rest+Nonac+RE Acq to Eqcap+ALLL Non-Curr Restruct Debt/Gr LN&LS Curr+Non-Curr Restruct/GR LN&LS -Equity Capital
141.24
96.01
332.19 16.31
85.23
337.22 17.78
88.64
418.93 18.65
91.61 6.68 2.42 2.36 13.11 15.27
298.76 16.99
73.83
8.79 2.82 3.39
6.51 2.40 1.68 9.15
6.54 2.36 1.96
6.21 2.19 2.27
3.45 3.65
4.27 4.05
4.23 5.13
4.78 4.45
23.02 19.66
24.63 13.00
26.20 16.08
10.73 11.95
31.19 18.79
25.16 13.67
12.90 15.68
11.86 0.10 0.63
0.00 0.00
0.00 0.00
0.00 0.00
0.12 0.65
0.00 0.00
0.10 0.73
0.17 0.17
0.11 0.76
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