Bank Analysis School - September 2023

Internal Use Only

Sunny State Bank Concentrations?

• Chart is from Depository Deep Dive • Source data UBPR page 7B

Internal Use Only

Learning Objectives

1 – Importance and Impact on Other Components

2 – Asset and Loan Categories

3 – Asset Classification / Problem Assets

4 – Loan Underwriting and Administration

5 – Allowance for Credit Losses