BAS Case Study - March 2023

Sunny State Bank

CALCULATIONS - CAPITAL

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Formula

14. Capital - Level

Common Equity Tier One Ratio

Common Equity Tier 1 Capital Ratio Using Advanced Approach (UBPRR029)

Tier One Capital Ratio

Total Tier 1 Risk-Based Capital to Adjusted Risk Weighted Assets and Adjusted for Financial Subsidiaries If Reported (UBPRD487)

Tier One Leverage Ratio

Tier 1 Leverage Capital (UBPRD486)

Total Capital Ratio

Total Risk-Based Capital to Adjusted Risk Weighted Assets Including Adjustment for Financial Subsidiaries (UBPRD488)

15. Capital - Trend

Common Equity Tier One Ratio

Common Equity Tier 1 Capital Ratio Using Advanced Approach (UBPRR029)

Tier One Capital Ratio

Total Tier 1 Risk-Based Capital to Adjusted Risk Weighted Assets and Adjusted for Financial Subsidiaries If Reported (UBPRD487)

Tier One Leverage Ratio

Tier 1 Leverage Capital (UBPRD486)

Total Capital Ratio

Total Risk-Based Capital to Adjusted Risk Weighted Assets Including Adjustment for Financial Subsidiaries (UBPRD488)

16. Capital - Other Ratios

Dividends to Net Income Equity Capital Growth Rate

Total Dividends as Percent of Net Income (Trailing Four Quarters) (UBPR7402)

Total Equity Capital Growth Rate (UBPRE635)

Equity Growth Less Asset Growth Retained Earnings to Average Total Equity

Equity Growth Less Asset Growth Growth Rates (UBPRE636) Retained Earnings to Average Total Equity (UBPRE025)