Bank Analysis School Case Study

Sunny State Bank

ASSET MIX

Asset Mix (% of Assets)

Asset Mix Over Time

100.0%

Quarter

20X5 Q4

Metrics

80.0%

Loans Securities Highly Liquid Other

10.8%

60.0%

3.8%

40.0%

54.7%

30.7%

20.0%

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 Mix - Subject Bank vs. State Averages

20X5 Q4

Quarter

Loans-Bank

Loans-State

Securities-Bank

Securities-State Highly Liquid-Bank Highly Liquid-State

Other-Bank

Other-State

10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0%

66.8%

54.7%

30.7%

18.6%

10.8%

9.1%

5.5%

3.8%

Asset Mix Qtr

Evaluating the overall asset mix can provide insight into the risk profile of a bank. Loans are generally the highest-risk asset category.

20X5 Q4