BAS Case Study - March 2023

FDIC Certificate # OCC Charter # 0 Public Report

SUNNY STATE BANK Summary Ratios--Page 1

12/31/2018

12/31/2017

12/31/2016

12/31/2015

12/31/2014

Earnings and Profitability Percent of Average Assets: Interest Income (TE)

BANK

PG 10

PCT

BANK

PG 10

PCT

BANK

PG 10

PCT

BANK

PG 10

PCT

BANK

PG 10

PCT

3.70 0.47 3.23 0.50 3.48 0.25 N/A -0.01 0.00 N/A -0.01 0.04 0.12 0.00 0.04 0.04 88.92 79.12 4.16 0.53 3.63

4.18 0.48 3.69 0.58 3.32 0.13 0.00 0.83 0.00 0.00 0.83 0.73 0.70 0.00 0.67 0.73

22 51 19 46 70 79 12 87 12 16 19 98 16 16 11 95 27 61 29 74 19 19 30 19 88 50 58

3.68 0.38 3.29 0.46 3.70 0.24 N/A -0.18 0.04 N/A -0.14 -0.32 -0.36 0.00 -0.32 -0.32 87.93 80.14 4.18 0.44 3.74

4.06 0.36 3.68 0.74 3.52 0.10 0.00 0.82 0.00 0.00 0.82 0.59 0.61 0.00 0.48 0.59

29 61 25 36 68 85 12 94 12 13 12 98 13 13

3.78 0.38 3.40 0.60 3.72 0.15 N/A 0.14 0.06 N/A 0.20 0.15 0.19 0.00 0.15 0.15

3.98 0.35 3.61 0.71 3.46 0.12 0.00 0.79 0.02 0.00 0.81 0.64 0.65 0.00 0.54 0.64

34 59 37 51 71 68 14 82 15 17 23 98 18 17 12 96 47 64 46 59 26 13 42 13 96 58 85

3.82 0.39 3.43 0.53 3.61 0.06 N/A 0.28 0.27 N/A 0.55 0.37 0.26 0.00 0.37 0.37

3.92 0.34 3.56 0.73 3.54 0.09 0.00 0.72 0.02 0.00 0.75 0.60 0.58 0.00 0.51 0.60

41 64 40 44 62 51 26 96 31 28 25 98 28 28 22 96 52 65 50

4.02 0.53 3.49 0.46 3.45 0.15 N/A 0.35 0.34 N/A 0.69 0.46 0.51 0.00 0.46 0.46

4.01 0.39 3.61 0.71 3.50 0.08 0.00 0.77 0.02 0.00 0.78 0.63 0.62 0.00 0.53 0.63

50 77 38 37 56 74 25 99 33 33 37 99 36 33 22 94 56 79 48 67 29 19 32 20 98 53 86

- Interest Expense

Net Interest Income (TE) + Noninterest Income - Noninterest Expense - Provision: Loan & Lease Losses - Provision: Credit Loss Oth Assets Pretax Operating Income (TE) + Realized Gains/Losses Sec + Unrealized Gains / Losses Equity Sec Pretax Net Operating Income (TE) Net Operating Income Adjusted Net Operating Income Net Inc Attrib to Min Ints Net Income Adjusted Sub S Margin Analysis: Avg Earning Assets to Avg Assets Avg Int-Bearing Funds to Avg Assets Int Inc (TE) to Avg Earn Assets Int Expense to Avg Earn Assets Net Int Inc-TE to Avg Earn Assets Loan & Lease Analysis: Net Loss to Average Total LN&LS Earnings Coverage of Net Losses (X) LN&LS Allowance to LN&LS Not HFS LN&LS Allowance to Net Losses (X) LN&LS Allowance to Total LN&LS Total LN&LS-90+ Days Past Due Net Income Liquidity Net Non Core Fund Dep New $250M Net Loans & Leases to Assets Capitalization Tier One Leverage Capital Cash Dividends to Net Income Retained Earnings to Avg Total Equity Rest+Nonac+RE Acq to Eqcap+ALLL -Nonaccrual -Total

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

93.74 67.82 4.47 0.51 3.95 0.20 41.44 1.35 28.85 1.34 0.12 1.00 1.25

92.85 68.48 4.38 0.39 3.98 0.13 29.61 1.36 24.24 1.36 0.10 0.94 1.12

9

87.91 80.30 4.30 0.43 3.87

92.30 68.74 4.33 0.38 3.93 0.17 12.67 1.38 11.46 1.38 0.12 0.93 1.13

88.86 80.01 4.29 0.44 3.85

91.78 68.72 4.28 0.37 3.89 0.21 36.72 1.43 33.38 1.43 0.15 1.00 1.25

89.04 80.09 4.51 0.60 3.91

91.95 69.91 4.37 0.42 3.93 0.16 15.77 1.47 16.50 1.47 0.12 0.87 1.05

92 36 62 37

0.30 1.43 0.84 2.77 0.84 0.65 0.53 1.18

0.50 0.21 0.70 1.38 0.70 1.76 0.56 2.32

86

0.19 1.94 0.76 4.19 0.76 1.67 0.91 2.57

0.32 1.16 0.72 2.30 0.71 2.09 0.90 2.99

73 22

0.18 2.79 0.97 5.25 0.97 2.22 0.68 2.90

9 8 5 8

8

22

8

96 41 78

95 65 83

10.78 55.82

-7.58 61.69

91 27

8.98 52.79

-6.38 62.41

89 21

9.14 54.37

-7.76 61.31

86 28

7.70 54.37

-7.20 60.44

86 30

5.97 50.38

-6.31 60.17

80 25

8.1692 0.00 0.50 19.66 -4.51 0.40 0.97 -73.91 -0.71

10.71 37.37 2.94 10.31 2.21 4.16 2.90 28.87 24.06

14 25 19 83

7.6913 -20.30 -4.80 13.00

10.54 41.88 1.65 11.86

4 1

8.4359 140.68 -0.67 16.08

10.38 37.36 2.63 11.94 1.93 2.92 2.90 32.10 -6.74

17 93 15 69 58 13 59 96 37

8.8800 60.27 1.67 18.79 -0.99 0.93 6.86 -97.16 -20.04

10.23 33.04 2.64 15.30 1.45 3.53 2.97 18.32 -10.29

27 72 32 69

8.5500 46.37 3.08 13.67

10.00 30.64 3.07 15.73 3.39 4.05 5.73 3.63 11.94

26 63 46 56

14 58

Growth Rates Total Assets Tier One Capital Net Loans & Leases Short Term Investments

11 17 40

2.31 -4.83 -0.67

2.27 2.87 4.93 9.51

49

3.93 -3.41 3.94

32 18 67

-4.98 5.19 -2.70

9

9

68 15 96 18

22 97 88

6

1176.21 128.12

267.86 -31.69

2

436.14 -44.69

Short Term Non Core Funding

52

16.37

48

Average Total Assets Total Equity Capital

82,589 6,234

84,215 6,517

81,327 6,676

80,260 7,119

83,949 7,104

-271

118

297

386

Net Income

31

Number of banks in Peer Group

61

74

81

96

105

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