Bank Analysis School Case Study
FDIC Certificate # XXXX OCC Charter # 0 Public Report
SUNNY STATE BANK Liquidity & Investment Portfolio--Page 10A
Liquidity & Inv Portfolio
12/31/20X5
12/31/20X4
12/31/20X3
12/31/20X2
12/31/20X1
Percent of Total Assets Short Term Investments Marketable Equity Sec (MES) Net LN&LS & SBLC to Assets
BANK
PG 10 11.17 0.00 62.00 20.54
PCT
BANK
PG 10 10.57 0.00 62.32 19.46
PCT
BANK
PG 10 11.20 0.01 61.28 19.56
PCT
BANK
PG 10 10.50 0.00 60.46 19.67
PCT
BANK
PG 10 10.05 0.00 60.28 20.84
PCT
0.83 0.00
6
3.05 0.00
11 93 21 77
0.24 0.00
2
0.07 0.00
2
2.41 0.00
15 90 25 65
93 28 78
95 28 80
91 31 77
55.86 32.61
52.83 30.37
54.48 31.16
54.43 31.28
50.43 27.02
Pledged Assets
Securities Mix % Total Securities US Treas & Govt Agencies
31.12 18.72 50.16 0.00 0.00 0.00 0.00
28.15 30.78 18.74 4.52 0.87 0.01 0.03
66 39 85 53 77 95 96 77 98 93 98
27.21 19.54 53.25 0.00 0.00 0.00 0.00
28.21 35.37 19.31 2.73 0.57 0.01 0.03
58 35 86 62 83 95 95 79 97 93 98
27.79 18.48 53.73 0.00 0.00 0.00 0.00
27.20 35.09 18.15 2.82 0.31 0.01 0.00
54 32 86 60 86 97 98 75 97 95 98
31.07 19.17 49.75 0.00 0.00 0.00 0.00
33.53 31.59 16.53 3.49 0.11 0.01 0.00
47 37 87 56 90 97 98 78 97 91 98
36.63 28.85 34.52 0.00 0.00 0.00 0.00
35.02 28.17 17.72 3.77 0.03 0.01 0.00
55 50 75 54 92 98 99 76 97 90 99
Municipal Securities
Pass-Through Mtg Backed Secs CMO & REMIC Mtg Backed Secs Commercial Mtg Back Secs Asset Backed Securities Structured Financial Products Other Domestic Debt Secs Foreign Debt Securities Inv Mut Fnd & Oth Mktbl Liquidity/Securities Ratios: App (Dep) Hi Risk & Struc/T1 Cap App (Dep) in AFS sec to AFS Sec App (Dep) in HTM Sec to HTM Sec App (Dep) in HTM Sec to Eqy Cap Pledged Securities to Tot Sec Pledged Loans to Total Loans Loans Held for Sale to Total Loans Total
0.00 0.00 0.00
0.72 0.00 0.00
0.00 0.00 0.00
0.77 0.04 0.00
0.00 0.00 0.00
0.96 0.02 0.05
0.00 0.00 0.00
1.28 0.05 0.01
0.00 0.00 0.00
1.39 0.07 0.01
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
-2.26 -3.37 N/A 0.00 29.09 42.46 0.00
-0.34 -1.58 -1.20 -0.40 43.88 16.69 0.01
4 8
-1.66 -1.70 N/A 0.00 27.21 41.31 0.00
-0.21 -0.58 -0.43 -0.04 43.28 14.92 0.12
3
-2.07 -2.68 N/A 0.00 27.79 41.31 0.00
-0.22 -0.82 -1.05 -0.12 42.13 15.32 0.05
3
-0.24 -0.44 N/A 0.00 24.37 43.15 0.61
-0.01 0.38 0.59 0.06 42.13 14.86 0.07
6
-0.52 0.15 N/A 0.00 15.07 43.02 0.00
-0.05 0.47 0.68 0.03 41.13 16.36 0.05
7
10
10
17
43
N/A
N/A
N/A
N/A
N/A
95 30 84 90
90 31 84 88
91 34 86 87
80 30 86 90
86 20 84 86
Short Term Investments Short Term Assets
686
2,629 4,999
206
56
1,973 4,316
3,914
3,095
3,110
Debt Securities 90+ Days P/D Total Non-Current Debt Sec Fair Value Structured Notes Pledged Securities Pledged Loans & Leases
0 0
0 0
0 0
0 0
0 0
2,850 7,155 19,655
2,888 7,241 18,911
2,853 7,177 19,049
1,483 6,200 19,133
1,963 4,200 17,898
Loans Held for Sale
0
0
0
270
0
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