Bank Analysis School Case Study

Sunny State Bank

LOAN MIX

Loan Mix (Single Quarter)

Loan Mix Over Time

100.0%

Quarter

20X5 Q4

80.0%

Metrics

8.7%

60.0%

1-4 Family Ag/Farmland Commercial Consumer CRE Other

12.0%

40.0%

8.8%

3.3%

20.0%

66.7%

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

Loan Mix - Bank vs. State Averages

Quarter

20X5 Q4

1-4 Fam-Bank 1-4 Fam-State Ag-Bank

Ag-State Comm-Bank Comm-State Cons-Bank Cons-State CRE-Bank CRE-State Other-Bank Other-State

70.0%

66.7%

60.0%

48.9%

50.0%

40.0%

30.0%

26.5%

20.0%

12.0%

8.8%

9.1%

8.7%

7.5%

10.0%

6.1%

3.3%

1.4%

0.5%

Loan Mix Qtr

Evaluating the loan mix can provide insight into the degree of risk in the loan portfolio. The "Loan Performance" link on this web site includes detailed loss rates by loan type over time:

https://www.fdic.gov/bank/analytical/qbp/

20X5 Q4