BAS Case Study - March 2023

Sunny State Bank

CALCULATIONS - ASSETS CONTINUED

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Formula

07. Ag Mix & Growth

Agricultural Loan Volume & Mix Over Time Agricultural Mix (Single Quarter) Agricultural Subsets as % of Tier 1 Capital + ALLL

Same as Agricultural Mix

Farmland = Farmland Real Estate Loans (RCON1420) Ag Production = Agricultural Production and Other Loans to Farmers (RCON1590) Farmland = Farmland Real Estate Loans % Tier1+ALLL (UBPRE880) Ag Production = Agricultural Production Loans % Tier1+ALLL (UBPRE886)

08. Loan Loss History 09. Loan Type Losses

Net Loan Losses/Average Loans Recoveries to Prior Credit Losses

Net Loss to Average Total Loans and Leases (UBPRE019)

Recoveries to Prior Credit Loss (UBPRE388)

1-4 Family Agricultural

Single & Multi Family Mortgage/Net Losses By Type of Ln&Ls (UBPRE401)

Secured By Farmland/Net Losses By Type of Ln&Ls, Agricultural Loans/Net Losses By Type of Ln&Ls (UBPRE400+UBPRE407)

Commercial

Commercial and Industrial Loans/Net Losses By Type of Ln&Ls (UBPRE408) Construction & Land Dev/Net Losses By Type of Ln&Ls (UBPRE399)

Construction Loans

Consumer

Loans to Individuals/Net Losses By Type of Ln&Ls (UBPRE410)

CRE (Non-Construction)

Multifamily Loans/Net Losses By Type of Ln&Ls, Non-Farm Non-Residential Mtg/Net Losses By Type of Ln&Ls (UBPRE404+UBPRE405)

10. AQ Ratios - Level

ALLL to Total Loans

Loan and Lease Allowance to Total Loans and Leases (UBPRE023) Gross Ln&Ls -Nonaccrual/% of Non-Curr Ln&Ls By Ln Type (UBPRE542)

Nonaccrual to Total Loans

Texas Ratio

Restr+Nonac+Re Acq to Eqcap+Alll (UBPRE026) %Total P/D Ln&Ls-Incl Nonaccrual (UBPRE547)

Total Past Due (>30 Days) to Total Loans

11. AQ Ratios - Trend

ALLL to Total Loans

Loan and Lease Allowance to Total Loans and Leases (UBPRE023) Gross Ln&Ls -Nonaccrual/% of Non-Curr Ln&Ls By Ln Type (UBPRE542)

Nonaccrual to Total Loans

Texas Ratio

Restr+Nonac+Re Acq to Eqcap+Alll (UBPRE026) %Total P/D Ln&Ls-Incl Nonaccrual (UBPRE547)

Total Past Due (>30 Days) to Total Loans

12. OREO

Other Real Estate Gains/Losses

Net Gains (Losses) On Other Real Estate Owned (RIAD5415)

Other Real Estate Owned / Average Total Assets

Non-Investment Other Real Estate % Average Total Assets (RIADE130/RCON3368)

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