CREATING DECISION TREE IN EXCEL-BANK FAILURES

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BankFailuresAnalysisandDecisionTree.xlsx
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Decision Tree

Asset-Deposit/ Loss below 0.1
Grossly Unstable
Asset/ Deposit Ratio below 1.1
1
Asset -Deposit/Loss above 1.0
Relatively stable
0
Asset/ Deposite Ratio above 1.1
Stable
ID Name Value Prob Pred Kind NS S1 S2 S3 S4 S5 Row Col Mark
0 TreePlan 0 0 0 D 2 1 2 0 0 0 25 1 TRUE
1 0 0 E 2 3 4 0 0 0 18 5 TRUE
2 0 0 T 0 0 0 0 0 0 32 5 TRUE
3 1 D 3 5 6 7 0 0 10 9 TRUE
4 1 T 0 0 0 0 0 0 27 9 TRUE
5 0 3 T 0 0 0 0 0 0 2 13 TRUE
6 0 3 E 2 8 9 0 0 0 9 13 TRUE
7 0 3 E 2 10 11 0 0 0 19 13 TRUE
8 6 T 0 0 0 0 0 0 7 17 TRUE
9 6 T 0 0 0 0 0 0 12 17 TRUE
10 7 T 0 0 0 0 0 0 17 17 TRUE
11 7 T 0 0 0 0 0 0 22 17 TRUE

x

Analysis

FDIC: HSOB Bank & Thrift Failures
Table BF03
Federal Deposit Insurance Corporation
US and Other Areas
(Dollar amounts in thousands)
Effective Date(s): 2010 - 2017
Insurance Fund: ALL
Charter Type: ALL
Transaction Type: All Failures
State Number of Institutions Number of Failures Number of Assistance Transactions Assets Deposits Estimated Loss (12/31/2016) Ratio (Assets/Deposits) Assets-Deposits/Loss
Alaska 0 0 0 0 0 0
Alabama 4 4 0 3,923,592 3,524,148 527,116 1.113344842 0.76
Arkansas 2 2 0 258,100 237,227 31,980 1.087987455 0.65
Arizona 10 10 0 1,724,911 1,521,634 367,101 1.133591258 0.55
California 18 18 0 10,369,863 8,527,943 1,180,136 1.215986434 1.56
Colorado 7 7 0 5,907,934 5,033,322 997,068 1.173764365 0.88
Connecticut 1 1 0 26,368 25,715 9,211 1.025393739 0.07
District of Columbia 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Delaware 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Florida 56 56 0 17,814,855 15,603,039 2,734,235 1.141755462 0.81
Georgia 61 61 0 17,615,642 16,457,170 5,499,612 1.070393148 0.21
Guam 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Hawaii 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Iowa 1 1 0 91,580 81,967 16,053 1.117278905 0.6
Idaho 1 1 0 153,361 145,813 3,487 1.051764932 2.16
Illinois 44 44 0 18,464,884 16,970,638 2,757,912 1.0880489 0.54
Indiana 2 2 0 2,176,991 1,864,957 128,806 1.167314313 2.42
Kansas 6 6 0 2,732,313 2,504,392 442,837 1.091008516 0.51
Kentucky 1 1 0 92,982 87,196 7,767 1.066356255 0.74
Louisiana 3 3 0 3,952,217 3,587,749 77,872 1.101586817 4.68
Massachusetts 1 1 0 245,534 233,222 20,560 1.052790903 0.6
Maryland 8 8 0 1,538,639 1,433,845 305,523 1.073086003 0.34
Maine 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Michigan 8 8 0 3,769,306 3,358,462 816,063 1.122330996 0.5
Minnesota 16 16 0 2,081,648 2,010,361 405,386 1.035459801 0.18
Missouri 11 11 0 2,330,765 2,023,419 614,026 1.151894393 0.5
Mississippi 2 2 0 288,777 268,518 56,284 1.075447456 0.36
Montana 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
North Carolina 5 5 0 1,030,991 957,681 148,152 1.076549498 0.49
North Dakota 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Nebraska 2 2 0 2,930,812 2,291,278 17,655 1.27911672 36.22
New Hampshire 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
New Jersey 4 4 0 446,500 437,714 79,422 1.020072467 0.11
New Mexico 3 3 0 3,470,419 2,788,769 400,484 1.244426842 1.7
Nevada 6 6 0 1,263,154 1,215,863 344,056 1.038895007 0.14
New York 3 3 0 927,324 892,626 163,505 1.038871823 0.21
Ohio 3 3 0 154,325 137,841 40,112 1.11958706 0.41
Oklahoma 6 6 0 1,104,610 1,005,099 244,219 1.099006168 0.41
Oregon 3 3 0 1,920,174 1,828,737 147,585 1.050000082 0.62
Pennsylvania 7 7 0 896,785 818,579 170,463 1.095538732 0.46
Puerto Rico 4 4 0 24,830,175 18,908,535 4,654,070 1.313172861 1.27
Rhode Island 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
South Carolina 10 10 0 3,041,833 2,792,700 595,639 1.089208651 0.42
South Dakota 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Tennessee 6 6 0 2,278,148 2,224,875 637,427 1.023944267 0.08
Texas 4 4 0 3,538,873 2,739,025 725,795 1.29201924 1.1
Utah 5 5 0 2,714,230 2,655,833 766,758 1.021988205 0.08
Virginia 4 4 0 1,208,342 1,106,594 288,370 1.091947001 0.35
Virgin Islands 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Vermont 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Washington 16 16 0 9,437,876 8,373,008 1,401,612 1.127178667 0.76
Wisconsin 9 9 0 2,893,010 2,600,210 354,328 1.112606289 0.83
West Virginia 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Wyoming 0 0 0 0 0 0 ERROR:#DIV/0! ERROR:#DIV/0!
Totals: 363 363 0 159647843 139275704 28178689.59 1.146272023 0.72