BAS Case Study - March 2023

Sunny State Bank

CALCULATIONS - ASSETS

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Chart

Formula

01. Asset Size & Growth

Asset Growth Total Assets (UBPR2170) Asset Growth Rate Total Assets Growth Rate (UBPR7316) Asset Size Total Assets (UBPR2170)

02. Asset Mix Asset Mix

Same as Asset Mix (% of Assets)

Asset Mix (% of Assets)

Loans = Net Loans and Leases (UBPRE348) Securities = All AFS & HTM securities (UBPRE352+UBPRE353) Highly Liquid = Interest-Bearing Balances, Federal Funds Sold, Cash & Due (UBPRE349 + UBPRE350 + UBPRE355) Other = Trading Assets, Premises & Fixed Assets, Other Real Estate Owned, Other Assets (UBPRE351 + UBPRE356 + UBPRE357 + UBPRE358)

Asset Mix Over Time

Same as Asset Mix (% of Assets)

03. Loan Growth

Loan Growth Rate Net Loans and Leases Growth Rate (UBPRE027) Loan Volume by Category

1-4 Family = Loans Secured By 1-4 Family Residential Properties, All Other Loans Secured By 1-4 Family Residential Properties: First Liens, All Other Loans Secured By 1-4 Family Residential Properties:Junior Liens (RCON1797+RCON5367+RCON5368)

Agricultural = Real Estate Loans Secured By Farmland (RCON1420) Commercial = Commercial And Industrial Loans (RCON1766) Consumer = Credit Cards, Other Revolving Credit Plans, Automobile Loans, Other Consumer Loans (RCONB538+RCONB539+RCONK137+RCONK207)

CRE = 1-4 Family Residential Construction, Other Construction Loans And All Land Development And Other Land Loans, Owner Occupied Nonfarm Nonresidential Properties, Other Nonfarm Nonresidential Properties, Multi-Family (5 Or More) Residential Properties (RCONF158+RCONF159+RCONF160+RCONF161+RCON1460) Other = Loans To Depository Institutions, Obligations (Other Than Securities And Leases) Of States And Political Subdivisions, Lease Financing Receivables, Loans To Nondepository Financial Institutions, Other Loans (RCON1288+RCON2107+RCON2165+RCONJ454+RCONJ464) 1-4 Family = 1-4 Family Residential % Average Gross Ln&Ls (UBPRE415) Agricultural = Farmland % Average Gross Ln&Ls, Agricultural Loans % Average Gross Ln&Ls (UBPRE417+UBPRE422) Commercial = Commercial & Industrial Loans % Average Gross Ln&Ls (UBPRE423) Consumer = Loans to Individuals % Average Gross Ln&Ls (UBPRE424) CRE = Construction & Development % Average Gross Ln&Ls, Multifamily % Average Gross Ln&Ls, Non-Farm Non-Residential % Average Gross Ln&Ls (UBPRE414+UBPRE418+UBPRE419) Other = Financial Institution Loans % Average Gross Ln&Ls, Municipal Loans % Average Gross Ln&Ls, Foreign Office Loans & Leases % Average Gross Ln&Ls, All Other Loans % Average Gross Ln&Ls, Lease Financing Receivables % Average Gross Ln&Ls, Loans to Foreign Governments % Average Gross Ln&Ls (UBPRE421+UBPRE426+UBPRE428+UBPRE429+UBPRE430+UBPRE431) Same as Loan Mix

04. Loan Mix (Overall)

Loan Mix

Loan Mix Over Time Concentration Levels Over Time Possible Concentrations (% of Tier One Capital + ALLL) Commercial Real Estate Mix (% of Total CRE) CRE Loan Volume and Mix Over Time CRE Subsets as % of Tier 1 Capital + ALLL

Same as Loan Mix

05. Loan Concentrations

Same as Possible Concentrations

Agricultural = Farmland Loans % Tier 1+ALLL, Agricultural Production Loans % Tier1+ALLL (UBPRE880+UBPRE886) Commercial = Commercial and Industrial Loans % Tier1+ALLL (UBPRE887) CRE = Commercial Real Estate Loans Including Nonowner Occpied Nonfarm Nonresidential Loans % Tier1+ALLL (UBPRE647) 1-4 Family Construction = 1-4 Family Residential Loans (RCONF158) Multifamily = Multi-Family (5 Or More) Residential Properties Loans (RCON1460) Non Owner Occupied = Other Nonfarm Nonresidential Property Loans (RCONF161) Owner Occupied = Owner Occupied Nonfarm Nonresidential Property Loans (RCONF160) Land Development = Other Construction Loans And All Land Development And Other Land Loans (RCONF159)

06. CRE Mix and Growth

Same as Commercial Real Estate Mix

Construction = Construction and Development Loans % Tier1+ALLL (UBPRD490) Multifamily = Multifamily Real Estate Loans % Tier1+ALLL (UBPRE881) Non Owner Occupied = Nonfarm Nonresidential Property Loans % Tier1+ALLL (UBPRE392)

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