Bank Analysis School Case Study
Sunny State Bank
ASSET SIZE & GROWTH
Asset Size - Bank vs. State Median
Asset Growth
$100M
Quarter
20X5 Q4
Bank
$178,733,500 State Median
$80M
$100M $120M $140M $160M $180M
$60M
$40M
$82,223,000
$20M $40M $60M $80M
$20M
20X3 Q4
20X1 Q1
20X1 Q2
20X1 Q3
20X1 Q4
20X2 Q1
20X2 Q2
20X2 Q3
20X2 Q4
20X3 Q1
20X3 Q2
20X3 Q3
20X3 Q4
20X4 Q1
20X4 Q2
20X4 Q3
20X4 Q4
20X5 Q1
20X5 Q2
20X5 Q3
20X5 Q4
Asset Growth Rate
2.0%
1.9%
2.0%
1.4%
1.4%
1.3%
0.8%
0.8%
1.0%
0.3%
0.5%
(0.1%)
0.5%
0.0%
(0.5%)
(0.0%)
(0.6%)
(0.5%)
Metrics
(1.0%)
(1.2%)
Bank State All Banks
(1.8%)
(2.0%)
(2.4%)
(3.0%)
(2.9%)
(3.0%)
(3.4%)
(4.0%)
20X0 Q4
20X1 Q1
20X1 Q2
20X1 Q3
20X1 Q4
20X2 Q1
20X2 Q2
20X2 Q3
20X2 Q4
20X3 Q1
20X3 Q2
20X3 Q3
20X3 Q4
20X4 Q1
20X4 Q2
20X4 Q3
20X4 Q4
20X5 Q1
20X5 Q2
20X5 Q3
20X5 Q4
Asset Size Qtr
The risk management practices suggested in regulatory guidance are often based on the size and risk profile of a bank, making it important to be aware of the relative size of a bank. Something to keep in mind is that it can be difficult to achieve asset growth without taking on risk. E.g. loosening loan underwriting standards to grow loan volume, funding asset growth with wholesale sources, etc.
20 X 5 Q4
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