BAS Case Study - March 2023

SUN NY STATE BANK

INCOME AND EXPENSE REPORT CONDENSED

PAGE 2

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

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

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

ACCOUNT NUMBER DESCRIPTION 90456000 CASH ADVANCE FEE INCOME 90458000 CREDIT LIFE INSURANCE INCOME 90467100 ATM INTERCHANGE INCOME 90467200 ATM TERMINAL SURCHARGE INCOME 90467300 ATM SERVICE FEES 90476000 LIFE INSURANCE INCOME 90480000 OTHER NONINTEREST INCOME 90480500 GIFT CARD INCOME

CURRENT

BUDGET

$ VAR

CURRENT

BUDGET

$ VAR

ACTUAL

$ VAR

62.25 0.00

86

24-

576.01

1,032

456-

617.22

41-

0

0

0.00

0

0

1.98

2-

9,605.65 2,596.00 1,821.40 3,395.48 852.68 185.00

10,823 2,676 1,813 3,401 1,262

1,217-

128,070.94 33,278.00 22,292.84 40,117.70 10,148.10 263.00 9,219.26 4,510.56 17,679.70 276,437.66 2.00

129,843 32,145 21,789 40,000 15,243 25,000 2,399 24,000 28,925 331,719 600

1,772- 1,133

122,051.92 32,456.00 22,609.09 40,092.83 14,057.62 23,126.12 38,588.02 20,687.25 325,010.52 345.00 0.00

6,019

80-

822 316-

8

504 118

6-

25

409- 135

5,095-

3,910-

50

337-

82-

90488000 OREO GAINS 90490000 SECURITY GAINS 90494000 LOAN SALE GAINS

0.00 0.00 0.00

2,087

2,087-

15,781- 2,397- 19,489- 11,245- 55,281-

13,907- 38,586- 4,511 3,008-

199

199-

2,750 2,415 28,847

2,750-

90495000 MORTGAGE SERVICING INCOME

1,558.67 22,917.31

856-

OTHER NON-INTEREST INCOME

5,930-

48,573

TOTAL NON-INTEREST INCOME

38,188.05

41,546

3,358-

425,967.80

484,096

58,128-

465,256.13

39,288

TOTAL INCOME

310,598.09

339,208 28,610-

3,489,722.75

3,747,178

257,455-

3,568,279.47

78,557

EXPENSE 90510000 INTEREST EXPENSE-NOW 90510500 INTEREST EXPENSE-CLUB

8,927.35 2,576.23 11,503.58

4,872 2,411 7,283 1,394 3,520 4,189 3,924 1,684 1,273 1,710 6,217 24,638 403 324

4,055

111,901.82 28,442.80 140,344.62 1,837.54 8,595.65 39,700.14 70,117.04 19,826.81 19,688.74 19,424.52 18,235.17 53,939.55 251,365.16 391,709.78 382,532.54 472,992.46 267,479.15 128,970.24 1,251,974.39 0.00

57,342 28,379 85,721 4,729 16,446 41,470 49,323 46,168 19,769 3,832 15,000 20,130 62,459 279,326 365,047 362,391 562,257 355,570 129,369

54,560

54,611.44 27,026.89 81,638.33 4,503.40 15,662.31 39,496.17 46,974.32 43,969.14 18,827.69 3,649.93 4,618.74 64,067.74 241,803.05 323,441.38 398,136.04 544,903.57 374,902.73 135,780.47 1,453,722.81 33.61

57,290 1,416 58,706 2,666- 7,067- 23,143 24,142- 204

165

64

INTEREST ON TRANSACTION ACCO

4,221

54,624 2,891- 7,850- 1,770- 20,794 26,341- 3,832- 4,425 1,895- 8,519- 27,961- 26,663 20,142 89,265- 88,091- 80-

90511000 INTEREST EXPENSE-MONEY MARKET 90513500 INTEREST EXP - PREMIER MM SAV 90514000 INTEREST EXPENSE-SAVINGS 90516000 INTEREST EXP - CD'S <= 250K 90516100 INTEREST EXP - CD > 250K 90516500 INTEREST EXP - IRA <= 250K 90516600 INTEREST EXP - IRA > 250K 90520500 INTEREST EXP - FED FUNDS PRCH 90525000 INTEREST EXP - OVERNIGHT BRWG 90527000 INTEREST EXP - FHLB ADVANCE

270.82 620.06

132- 774- 374-

3,145.67 5,677.23 1,704.13 1,546.94

1,488 2,220-

137- 324-

861

0.00

3,650-

3,766.36

2,493 1,710- 1,300- 2,990-

14,806 18,202 10,128

0.00

4,916.60 21,647.81 33,151.39 46,026.00 43,417.00 61,696.36- 10,579.88 38,326.52

INTEREST ON NONTRANSACTION ACC

9,562

INTEREST EXPENSES

31,921

1,230

68,268 15,604- 71,911- 107,424- 6,810- 201,748-

90530000 OFFICER & ADMIN SALARIES 90531000 EMPLOYEE SALARIES

30,202 15,824

46,841

3,424-

90532000 BENEFITS

29,618 91,314-

90534000 DEFERRED COMPENSATION EXPENSE

10,529

51

399-

SALARIES-EMPLOYEE BENEFITS

117,190 78,863-

1,409,587

157,613-