Bank Analysis School Case Study

Sunny State Bank

CRE MIX & GROWTH

Commercial Real Estate Mix (% of Total CRE)

CRE Loan Volume and Mix Over Time

6M

Quarter

20X5 Q4

5M

4M

3M

2M

1M

4.2%

18.3%

Metrics

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

1-4 Family Const. Multifamily Non Owner Occupied Owner Occupied Land Development

1.2%

CRE Subsets as % of Tier 1 Capital + ALLL

41.6%

Quarter

20X5 Q4

Construction

Multifamily

Non Owner Occupied

34.7%

100%

80%

60%

40%

20%

20%

13%

1%

CRE Qtr

For the chart showing CRE subsets as a percentage of capital, construction loans include both 1-4 family construction and other construction and land development loans. Owner occupied CRE loans are not included in this chart. Keep in mind that Land Development loans have the highest historical loss rates of any loan type.

20X5 Q4