Credit Risk: On the excel spreadsheet risk analysis at the top, see credit risk analysis.
Analyze the differences between the Bank and the PG7 in 2021 by looking at differences in loan mix, net loan losses, differences in the concentration ratios for different types of loans, earnings coverage of net losses, loan allowance to net losses and to total loans, non-accrual loans, and net loans and leases. Does the Bank have more or less credit risk than the PG7 in 2021?
3/31/21 3/31/20 3/31/20 PG 7 Bank 0.00 PG 7 0.05 0.01 0.00 0.02 0.06 0.00 0.00 -0.04 0.00 0.00 0.00 0.01 0.07 0.00 0.02 0.04 0.27 Credit Risk Analysis Loan & Lease Analysis p.01 3/31/21 Percentages % Bank Net Loss to Average Total Assets 0.04 Net Losses by Loan Type Real Estate Loans 0.00 Construction & Development 0.00 Agricultural Loans 0.00 Commercial Loans 0.17 Consumer Loans 0.33 Analysis of Concentration of Credit P. 7B Loans & Leases as % of Capital and Loan Allowance Real Estate Loans 576.90 Construction & Development 76.30 1-4 Family Construction 33.73 Other Construction & Land Development 45.57 Agricultural Loans 46.78 Commercial Loans 166.22 Consumer Loans 9.39 Auto Loans 4.02 Nondepository & Other 2.62 Municipal Loans 0.17 371.86 22.66 9.14 12.62 44.17 85.39 525.21 44.76 17.99 26.77 389.56 24.91 9.25 13.30 57.13 50.11 49.88 64.79 25.13 24.36 9.56 11.48 3.90 0.72 0.50 11.28 0.61 3.35 3.04 0.99 87.14 108.95 35.95 107.66 64.03 40.41 1.40 1.39 Earnings Coverage of Net Losses Loan Allowance to Net Losses Loan Allowance to Total Loans Total Loans 90+ Days Past Due Nonaccrual Loans Net Loans & Leases to Assets 62.93 N/A 1.89 0.00 0.16 1.34 0.00 0.07 0.15 0.53 0.69 0.11 76.85 57.50 70.48 65.07 3/31/21 Bank 75.15 3/31/21 PG 7 3/31/20 Bank 3/31/20 PG 7 68.34 81.69 70.51 Loan Mix % Real Estate Loans Types of Real Estate Construction & Development Loans Non-Farm Non-Residential Farm Non-Residential Other Non-Farm Non Residential Agricultural Loans Commercial & Industrial Loans Consumer Loans (Loans to Indivs.) 8.99 32.34 23.26 9.08 5.84 19.57 1.13 4.21 18.59 9.68 8.21 8.47 14.68 4.69 7.54 31.30 22.24 9.06 8.69 7.99 1.53 4.43 20.16 10.71 8.79 9.07 11.61 4.86 3/31/21 3/31/20 3/31/20 PG 7 Bank 0.00 PG 7 0.05 0.01 0.00 0.02 0.06 0.00 0.00 -0.04 0.00 0.00 0.00 0.01 0.07 0.00 0.02 0.04 0.27 Credit Risk Analysis Loan & Lease Analysis p.01 3/31/21 Percentages % Bank Net Loss to Average Total Assets 0.04 Net Losses by Loan Type Real Estate Loans 0.00 Construction & Development 0.00 Agricultural Loans 0.00 Commercial Loans 0.17 Consumer Loans 0.33 Analysis of Concentration of Credit P. 7B Loans & Leases as % of Capital and Loan Allowance Real Estate Loans 576.90 Construction & Development 76.30 1-4 Family Construction 33.73 Other Construction & Land Development 45.57 Agricultural Loans 46.78 Commercial Loans 166.22 Consumer Loans 9.39 Auto Loans 4.02 Nondepository & Other 2.62 Municipal Loans 0.17 371.86 22.66 9.14 12.62 44.17 85.39 525.21 44.76 17.99 26.77 389.56 24.91 9.25 13.30 57.13 50.11 49.88 64.79 25.13 24.36 9.56 11.48 3.90 0.72 0.50 11.28 0.61 3.35 3.04 0.99 87.14 108.95 35.95 107.66 64.03 40.41 1.40 1.39 Earnings Coverage of Net Losses Loan Allowance to Net Losses Loan Allowance to Total Loans Total Loans 90+ Days Past Due Nonaccrual Loans Net Loans & Leases to Assets 62.93 N/A 1.89 0.00 0.16 1.34 0.00 0.07 0.15 0.53 0.69 0.11 76.85 57.50 70.48 65.07 3/31/21 Bank 75.15 3/31/21 PG 7 3/31/20 Bank 3/31/20 PG 7 68.34 81.69 70.51 Loan Mix % Real Estate Loans Types of Real Estate Construction & Development Loans Non-Farm Non-Residential Farm Non-Residential Other Non-Farm Non Residential Agricultural Loans Commercial & Industrial Loans Consumer Loans (Loans to Indivs.) 8.99 32.34 23.26 9.08 5.84 19.57 1.13 4.21 18.59 9.68 8.21 8.47 14.68 4.69 7.54 31.30 22.24 9.06 8.69 7.99 1.53 4.43 20.16 10.71 8.79 9.07 11.61 4.86
