BAS Case Study - March 2023

Sunny State Bank 2019 Budget (Detailed)

2019 Budget

2018

Acct #

Account Description

2017

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-Other Fees 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

1,322,467

1,345,778

1,544,227

-

3,192

1,800

83,257 302,475 609,063 1,563 3,226 39,259 4,975 6,036 32,914 3,250 12,677 18,507 -

113,804 283,351 500,631 2,650 2,890 38,323 5,379 5,969 27,728 4,050 11,624 29,775 -

134,873 284,684 524,509

2,783 3,034

40,239 5,648 6,268 33,273 4,253 12,206 31,263 -

200

75

79

-

(57)

-

90428000 Delinquent Loan Fees 90432000 Interest Income-Agencies 90432500 Accretion/Amort-Agencies 90434000 Interest Income-Munis 90434500 Accretion/Amort-Munis 90436000 Interest Income-MBS 90436500 Accretion/Amort-MBS

46,866 150,525

35,140 154,077

36,000 155,109

1,409

1,496

1,802

185,249 (45,479) 412,742 (119,007)

186,880 (38,957) 422,456 (104,527)

143,027 (29,086) 418,616 (87,439) 26,718 3,000 3,002 72,000 75,000 1,200 1,200 9,600 130,000 32,300 22,136 40,876 14,500 600 - 12,000 18,000 124,860 33,601 1,467 7,518 41,294 63,879 17,338 19,508 12,000 12,000 46,255 - 300 - -

90437000 Dividend Income-FHLB & BBI Stock 90438000 Interest Income-Fed Funds Sold 90439000 Interest Income-FHLB DDA

21,794 6,589 2,467 65,777 73,883

25,576 2,652 3,800 75,850 72,890

90440000 Overdraft Fees

90442000 Service Charge - Dpst Accts 90443000 Other Income - Deposit Accts

585 911

790 869

90450000 Money Order Fees

90453000 Safe Dpst Box Rental Income 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 90495000 Mortgage Servicing Income 90510000 Interest Expense-NOW 90510500 Interest Expense-Club 90511000 Interest Expense-Money Market 90513500 Interest Expense-Premier MM 90514000 Interest Expense-Savings 90516000 Interest Exp-CD's < $250k 90516100 Interest Exp-CD's >= $250k 90516500 Interest Exp-IRA's < $250k 90516600 Interest Exp-IRA's >=$250k 90520500 Interest Exp. - Fed Funds 90525000 Interest Exp. - Overnight Brwg 90527000 Interest Exp. - FHLB Advance 90480500 Gift Card Income 90488000 OREO Gains 90490000 Security Gains 90494000 Loan Sale Gains

9,466

9,410

617

576

2

-

122,052 32,456 22,609 40,093 14,058 23,126 38,588 20,687 54,611 27,027 4,503 15,662 39,496 46,974 43,969 18,828 3,650 4,619 - 345

128,071 33,278 22,293 40,118 10,148

263

9,219

2

4,511 17,680 111,902 28,443 1,838 8,596 39,700 70,117 19,827 19,689 19,425 18,235 53,940 -

34

64,068

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