BAS Case Study - March 2023

Credit Risk Management - Additional Borrowing Capacity As of 12 /3 1 / 18

Sunny State Bank (DDA#: 0000 ) Sunny , OH . ADVANCES SUMMARY

$ 3,0 0 0,000 $0 $0

FHLBank Advances: Guaranteed Funds Rate (GFRs): AHP/CIP Advances:

Standby Letters of Credit (SLCs): Non-FHLBank Borrowings:

$0

$ 4,123,000

Advances and SLC original maturity > 5 Years:

$0

STOCK SUMMARY

$ 425 , 300 ($1 03 , 366 ) $ 321 , 934

Capital Stock Balance: Less: Membership Stock Requirement: Stock Available for Activity:

COLLATERAL CAPACITY

$1 7 , 135 ,7 0 9 $ 7 , 123 ,000 $1 0 , 012 ,709

Maximum Borrowing Capacity: Less: FHLBank Advances & SLCs: Collateral Based Additional Borrowing Capacity:

MORTGAGE ASSETS CAPACITY

Residential Mortgage Assets as of: 12 /3 1 /20 18

$ 43,271,000

Less: FHLBank Advances GFRs, & SLCs that have original maturities greater than 5 years: (1)

$0

$ 43,271,000

Mortgage Asset Based Additional Borrowing Capacity:

TOTAL BORROWINGS TO ASSETS CAPACITY

Total Assets as of: 12 /3 1 /2020 Multiplier:

$ 82,163,000 50 % $ 41,081,500 $ 7 , 123 ,000 $3 3,95 8,500 None

Less: Total Borrowings minus AHP/CIP Advances: Borrowings to Total Assets Additional Borrowing Capacity: Advance Maturity Restriction:

$1 0,012 ,709

ADDITIONAL BORROWING CAPACITY: (2)

(1) GFRs with Advance terms greater than 5 years included in this total (2) Additional Borrowing May be Limited by GFR Commitments

In July of 2020, the FHLB removed the stock based additional borrowing capacity as a limitation to overall additional borrowing capacity, as stock is never a limitation to Advance usage.

Questions? Call 1-800-781-3090 or contact your FHLB Marketing representative.

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