Bank Analysis School Case Study
FDIC Certificate # XXXX OCC Charter # 0 Public Report
SUNNY STATE BANK Capital Analysis--Page 11
Capital Analysis-a
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Capital Ratios
BANK
PG 10 PCT
BANK
PG 10 PCT
BANK
PG 10 PCT
BANK
PG 10 PCT
BANK
PG 10 PCT
Percent of Bank Equity:
Net Loans & Leases (x) Subord Notes & Debentures Com RE & Related Ventures Percent of Average Bank Equity: Net Income
7.36 0.00
5.81 0.00
82 98 28 14 20 17
6.98 0.00
5.85 0.00
75 98 21 13 30 14
6.86 0.00
5.86 0.00
69 98 27 16 50 15
6.18 0.00
5.75 0.00
59 98 28 33 53 32 68 21 16 51 91 81 97 84 74
5.80 0.00
5.89 0.00
47 99 16 45 57 45 59 23 85 94 90 80 97 84 72
79.23
148.74
75.85
159.45
83.31
158.71
84.83
167.43
62.40
174.76
0.50 0.00 0.50 0.00 7.58 -4.34 0.17 0.69 0.00 N/A N/A 0.69
7.10 3.10 3.31
-3.99 0.81 -4.80 N/A 7.57 -2.38 -4.69 0.83 0.00 0.00 0.00 0.83
5.32 3.12 1.66
1.65 2.32 -0.67
5.87 2.70 2.64
4.20 2.53 1.67
5.75 2.57 2.65
5.75 2.67 3.08
6.08 2.46 3.08
Dividends
Retained Earnings
Other Capital Ratios: Dividends to Net Operating Income Bank Eq Cap + Min Int to Assets
43.66 10.70
15
48.03 10.73
N/A
140.68
42.65 10.56 0.99 -0.84
93
60.27 8.79
37.59 10.59
46.37 8.69 15.04 20.02
35.47 10.38
6
3
7.93
9
Growth Rates:
Total Equity Capital
3.19 0.71 0.04 0.98 0.00 0.00 1.53
14 48 92 75
2.90 0.49 0.02 0.76 0.00 0.13 1.24
11 15 94 78 98 84 72
-6.22 -10.16
14
0.21 1.20 0.90 0.00 0.00 0.00 0.90
3.27 1.73 0.07 0.77 0.08 0.10 1.41
7.26 3.31 0.10 0.68 0.01 0.08 1.35
Equity Growth Less Asst Growth
8
Intang Assets % Bank Equity Mortgage Servicing Rights
0.93 0.00 0.00 0.00 0.93
0.02 0.67 0.00 0.07 1.23
93 79 97 85 74
1.01 0.00 0.00 0.00 1.01
Goodwill
Purch Credit Card Relations
N/A N/A
All Other Intangibles Total Intangibles
68
Leverage Ratio
8.1692
10.70
12
7.6913
10.52
3
8.4359
10.37
16
8.8800
10.22
27
8.5500
10.00
26
Standardized Capital Ratios Com Equity Tier 1 Cap Ratio
13.6183 13.6183 14.4207
16.96 17.07 18.12
26 23 21
14.5210 14.5210 15.2295
16.53 16.61 17.68
38 36 30
14.5791 14.5791 15.3238
16.34 16.42 17.49
37 36 32
15.7800 15.7800 16.4900
16.56 16.60 17.70
51 51 46
N/A
0.00
N/A
Tier 1 Capital Ratio Total Capital Ratio
16.5700 17.5200
16.00 17.09
63 57
Adv App Cap Ratios Com Equity Tier 1 Cap Ratio
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
N/A N/A N/A
0.00 0.00 0.00
N/A N/A N/A
Tier 1 Capital Ratio Total Capital Ratio
End of Period Capital ($000) Perpetual Preferred
0
0
0
0
0
+ Common Stock
92
92
92
92
92
+ Surplus
2,465 4,355 -678
2,465 4,324 -364
2,465 4,588 -469
2,465 4,636
2,465 4,519
+ Retained Earnings
+ Accum Other Comp Income + Other Equity Capital Comp Total Bank Equity Capital Minority Interest Cons Subs Total Bank Capital & Min Int
-74
28
0
0
0
0
0
6,234
6,517
6,676
7,119
7,104
0
0
0
0
0
6,234
6,517
6,676
7,119
7,104
Subordinated Notes & Debentures
0
0
0
0
0
Changes in Bank Equity ($000) Balance at Beginning of Period + Sales or Purchase of Capital + Merger & Absorptions + Restate due to Acctg Error&Chg + Net Income + Other Comprehensive Income Balance at End of Period Intangible Assets Mortgage Servicing Rights + Purch Credit Card Relations. + Trans with Parent - Dividends
6,517
6,676 -271
7,119
7,104
6,175
31
118
297
386
0 0 0 0 0
0 0 2 0
0 0 0 0
0 0 0 0
0 0 0 0
55
166 -395 6,676
179 -103 7,119
179 722
-314 6,234
165
6,517
7,104
43
54
62
64
72
N/A N/A
0 0 0
0 0 0
0 0 0
0 0 0
+ Other Intangibles
+ Goodwill
0
Total Intangibles
43
54
62
64
72
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