BAS Case Study - March 2023

Sunny State Bank 2019 Budget (Detailed)

2019 Budget

2018

Acct #

Account Description

2017

90530000 Officer & Admin Salaries 90531000 Employee Salaries

398,136 544,904 374,903 135,780 24,374 87,335 51,861 109,101 74,522 75,208 94,881 192,507 117,104 18,602 24,600 3,325 96,480 94,024 44,400 64,540 22,528 27,502 53,453 42,940 81,751 27,247 19,044 2,150 15,801 86,893 9,685 5,647 27,394 45,525 7,463 10,006 1,819 200,000 - - 380

382,533 472,992 267,479 128,970 32,374 93,215 57,485 109,308 61,566 77,467 78,547 219,364 123,999 14,773 58,308 11,508 74,640 93,021 23,096 60,048 27,244 20,527 54,920 42,828 71,491 30,878 12,131 1,675 14,220 35,495 9,666 7,716 30,038 23,141 31,172 9,285 13,953 208,000 - 930

324,987 590,550 395,539 85,122 30,000 90,000 56,000 109,308 60,000 76,908 60,000 213,384 123,600 15,000 42,000 12,000 72,000 92,000 60,000 61,920 23,900 20,000 51,636 39,000 71,280 24,000 15,480 2,400 16,200 42,000 9,720 7,800 33,000 1,500 42,000 6,000 9,800 -

90532000 Benefits

90533000 Mortality Cost - Life Ins 90534000 Deferred Compensation Exp 90540000 Service on Building Expense 90541000 Utilities - Insurance Expense 90542000 Real Estate Tax Expense 90543000 Depreciation Exp - Premises 90544000 Depreciation Exp - FF&E 90545000 Service on Equip & Rental Exp 90550000 Advertising - Marketing Exp 90550500 Charitable Expense 90551000 Data Processing Expense 90552000 Atm Data Processing Expense 90553000 Software Amortization Expense 90554000 Consulting Expense 90555000 Director's Fees 90556000 Examination & Auditing 90557000 FDIC - Other Insurance 90558000 Other Tax Expense 90561000 Correspondent Bank Charges 90553500 Legal Fees

90562000 Dues - Subscriptions 90564500 Postage - Shipping 90565000 Supplies - Printing

90565500 Telecommunication Expense 90566000 Meetings - Seminars - Training

90567000 Travel - Lodging 90567500 Meals - Entertainment 90568000 Automobile Expense

90570000 Loan Fees

90571000 Dealer Reserve Expense 90575000 Deposit Acct Expenses 90576000 Mastercard Processing Expense 90577000 Repossession - Collection Exp 90579000 Misc Charge-Off Expense 90580000 Other Noninterest Expense 90585000 Provision for Loan Losses 90587000 Repossessed Asset Losses 90581000 Cash Over/Short 90578000 OREO Expense

-

54,000

70

-

- - - -

90588000 OREO Losses 90590000 Security Losses 90594000 Loan Sale Losses

-

2,474

1,492

-

-

90595000 Amortization Exp-Mtg Srv Asset 90598000 Federal Income Tax Expense

8,362

17,370 (38,700)

9,000 33,000

163,523

Net Income

(242,425)

30,867

267,846

Average Assets Budgeted ROAA

83,550,139

81,530,999

83,500,000

-0.29%

0.04%

0.32%

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