BAS Case Study - March 2023

SUNNY STATE BANK

INCOME AND EXPENSE REPORT CONDENSED

PAGE 1

CURRENT MONTH ---------------------------------- ---

YEAR TO DATE ------------------------------------

LAST YEAR --------------------------

ACCOUNT NUMBER

DESCRIPTION

CURRENT

BUDGET

$ VAR

CURRENT

BUDGET

$ VAR

ACTUAL

$ VAR

INCOME 90410000 INTEREST INCOME-REAL ESTATE 90410100 INTEREST INCOME-LOANS HFS 90410500 INTEREST INCOME-HOME EQUITY 90411000 INTEREST INCOME-INSTALLMENT 90413000 INTEREST INCOME-COMMERCIAL 90413500 INTEREST INCOME-COLLATERAL 90414000 INTEREST INCOME-DEMAND DPST LN 90415500 M/C INCOME-FINANCE CHARGES 90415600 M/C INCOME-INTERCHANGE FEES 90415700 M/C INCOME-CASH ADV/PHONE PMT 90417000 PREMIUM AMORT-PART. LOANS 90420000 FEE INCOME - REAL ESTATE LOANS 90420500 FEE INCOME - HOME EQUITY LOANS 90421000 FEE INCOME - INSTALLMENT LOANS 90423000 FEE INCOME - COMMERCIAL LOANS 90423500 FEE INCOME - COLLATERAL LOANS 90424000 FEE INCOME - DEMAND DPST LOANS 90432000 INTEREST INCOME-AGENCIES 90432500 ACCRETION/AMORT-AGENCIES 90434000 INTEREST INCOME-MUNIS 90434500 ACCRETION/AMORT-MUNIS 90436000 INTEREST INCOME-MBS 90436500 ACCRETION/AMORT-MBS 90437000 DIVIDEND INCOME-FHLB/BBI STOCK 90428000 LNS LATE FEES LOAN INCOME

115,235.51

135,661 20,425-

1,345,777.99 3,192.17 113,803.53 283,350.68 500,630.77 2,650.38 2,889.87 38,322.82 5,379.28 5,969.28

1,436,205

90,427- 3,192 13,134

1,322,467.12

23,311 3,192 30,547 19,125- 108,432-

0.00

0

0

0

0.00

10,184.40 21,489.31 42,028.24

8,541 24,013

1,643 2,524-

100,670 282,758 629,511 1,363 3,395 43,185 4,975 5,339 34,560 3,412 13,311 19,432 0

83,256.52 302,475.44 609,063.15 1,563.46 3,226.06 39,259.24 4,975.41 6,035.95 32,913.52 3,250.00 12,676.74 18,507.06 0.00

593

55,957 13,929-

128,880-

222.76 213.83

121 280 419 455

102 66- 627- 116 77- 313- 88- 0

1,287

1,087

505-

336- 936- 404 67-

3,041.23 534.50 378.00 2,577.96 200.00 2,899.57 13,499.75 0.00

3,668

4,862-

404 630

0

0.00

0

0

2,891

27,727.75 4,050.00 11,624.32 29,774.53

6,832-

5,186-

288

638

800

1,112

1,788

1,687-

1,052-

1,623 11,877

10,343

11,267

0.00

12

12- 62-

75.00 56.98-

210

135- 57-

200.00

125- 57-

62.00-

0

0

0.00

2,033.77

3,500

1,466-

35,140.26

42,000

6,860-

46,866.20

11,726- 76,434-

214,476.83 13,689.59

238,541 24,064-

2,410,301.65 154,077.08 1,496.30 186,879.83 38,956.54- 422,455.56 104,527.44- 25,575.89 647,000.68

2,620,326

210,024-

2,486,735.87 150,525.04 1,408.91 185,248.61 45,479.09- 412,741.98 119,007.48- 21,793.73 607,231.70

12,737

953

150,000

4,077

3,552

138.07

122

16

1,500

4-

87

13,985.76

15,706

1,720- 1,121 3,264- 2,162

185,000 45,000- 430,000 110,000- 25,656 637,156

1,880 6,043 7,544- 5,473

1,631 6,523 9,714 14,480 3,782 39,769 3,937- 1,334 2,603- 39,268- 10,073

2,692.86-

3,814-

33,251.62

36,516

7,176.75- 6,431.93

9,339- 6,713

281-

80-

SECURITY INCOME

57,627.36

58,641

1,014-

9,845

90438000 INTEREST INCOME-FED FUNDS SOLD 90439000 INTEREST INCOME-CORRESPONDENT

0.00

276 204 480

276- 102 174-

2,652.15 3,800.47 6,452.62

3,200 2,400 5,600

548-

6,589.09 2,466.68 9,055.77

305.85 305.85

1,400

OTHER INTEREST INCOME

853

INTEREST INCOME

272,410.04

297,662 25,252-

3,063,754.95

3,263,082

199,327-

3,103,023.34

90440000 OVERDRAFT FEES

9,170.00 6,025.74

5,826 6,462

3,344

75,849.99 72,890.15

70,000 77,577 4,800 152,377

5,850 4,687- 4,010- 2,847-

65,777.15 73,883.16

90442000 SERVICE CHARGES- DPST ACCTS 90443000 OTHER INCOME - DEPOSIT ACCTS

436- 336-

993- 205

75.00

411

790.00

585.30

SERVICE CHARGES ON DEPOSIT A

15,270.74

12,699

2,572

149,530.14

140,245.61

9,285

90450000 MONEY ORDER FEES 90453000 SDB RENTAL INCOME

72.00

135

63-

869.47 9,410.08

1,620 9,123

751- 287

911.08 9,466.39

42- 56-

2,768.18

1,150

1,618