Bank Analysis School Case Study

FDIC Certificate # XXXX OCC Charter # 0 Public Report

SUNNY STATE BANK Capital Analysis--Page 11C

Capital Analysis-d

12/31/20X5

12/31/20X4

12/31/20X3

12/31/20X2

12/31/20X1

Risk Based Capital ($000) Tier 1 Capital Total Equity Capital Adjusted - Ineligible Def Tax Assets

N/A 327

N/A 262

N/A 253

N/A

7,076

58

0 7 0

- Ineligible Intangibles

0

0

0

0

- Cumul Change F.V. Financial Liab

N/A

N/A

N/A

N/A

Net Tier 1

6,585

6,559

6,892

7,135

7,069

Tier 2 Capital + Qualif Debt and Redeem Pfd + Cumulative Preferred Stock + Allowable LN&LS Loss Allow + Unrl Gain Mktbl Eqy Sec (45%) + Other Tier 2 Capital Comp Total RBC Before Deductions Tier 1 & Tier 2 Tier 3 & Fin Sub Adj - Deductions for Total RBC Total Risk-Based-Capital Risk-Weighted Assets On-Balance Sheet Category Two - 20% Category Three - 50% Category Four - 100% Total On-Balance Sheet Memo: Category One - 0% Category Two - 20% Category Three - 50% Category Four - 100% Total Off-Balance Sheet Memo: Category One - 0% Off-Balance Sheet Adjustments to Risk-Wgt Assets Risk-Weighted Asset Before Ded - Excess Allowable LN&LS Loss Al - Allocated Transfer Risk Reserve + Mkt Risk Asset & Fin Sub Adj Net Eligible Tier 2

N/A N/A 388 N/A N/A 388

N/A N/A 320 N/A N/A 320

N/A N/A 352 N/A N/A 352

N/A N/A 317 N/A N/A 317

0 0 0 0

404

404

6,973

6,879

7,244

7,452

7,473

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A

0

6,973

6,879

7,244

7,452

7,473

5,315 15,281 23,664 45,121 1,890

5,583 14,909 23,650 45,154 4,630

5,498 13,477 27,283 47,251 2,658

4,994 12,934 26,163 45,180 3,488

6,006 11,840 24,795 42,641 3,645

0

0 0

0 0

0 0

0 0

464

2,769 3,233

15 15 15

22 22 23

22 22

22 22

0

0

0

48,354

45,169

47,273

45,203

42,663

0 0

0 0

0 0

0 0

0 0 0

N/A

N/A

N/A

N/A

Total Risk-Weighted Assets

48,354

45,169

47,273

45,203

42,663