BAS Case Study - March 2023
FDIC Certificate # OCC Charter # 0 Public Report
SUNNY STATE BANK Income Statement $--Page 2
Percent Change
12/31/2018
12/31/2017
12/31/2016
12/31/2015
12/31/2014
1 Year -3.18
Interest and Fees on Loans Income From Lease Financing
2,402
2,481
2,433
2,289
2,337
0 0 0
0 0 0
0 0 0
0 1 1
0 2 1
N/A N/A N/A
Tax-Exempt
Estimated Tax Benefit
Income on Loans & Leases (TE)
2,402
2,481
2,433
2,290
2,338
-3.18
US Treas & Agency (Excl MBS) Mortgage Backed Securities Estimated Tax Benefit Tax-Exempt Securities Income Investment Interest Income (TE) Interest on Due From Banks Int on Fed Funds Sold & Resales Trading Account Income All Other Securities
156 318 148 148 622 0
152 294 140 140 586 0
133 261 138 138 603 71
186 232 114 221 221 753
210 219 199 386 386
2.63 8.16 N/A 5.71 5.71 6.14
1,014
4 3
2 6
1 5 0
0 2 0
0 1 0
100.00 -50.00
N/A
N/A
N/A
Other Interest Income
26
22
31
18
19
18.18
Total Interest Income (TE)
3,057
3,097
3,073
3,062
3,372
-1.29
Int on Deposits in Foreign Off Interest on Domestic Deposits Int on Fed Funds Purch & Repos Int Trad Liab & Oth Borrowings Int on Sub Notes & Debentures Other Interest Expense
N/A 300
N/A 255
N/A 242
N/A 256
N/A 362
N/A
17.65 280.00 12.50
19 72
5
1
3
3
64
62
54
81
0
0
0
0
0
N/A N/A
N/A
N/A
N/A
N/A
N/A
Total Interest Expense
391
324
305
313
446
20.68
Net Interest Income (TE) Non-interest Income Adjusted Operating Income (TE) Non-Interest Expense Provision: Loan & Lease Losses Provision: Credit Losses Other Assets Pretax Operating Income (TE) Realized G/L Hld-to-Maturity Sec Realized G/L Avail-for Sale Sec Unrealized G/L Equity Securities Pretax Net Operating Inc (TE) Applicable Income Taxes Current Tax Equiv Adjustment Other Tax Equiv Adjustments Applicable Income Taxes (TE)
2,666
2,773
2,768
2,749
2,926
-3.86 6.19 -2.63 -7.55 4.00 N/A 94.74
412
388
492
422
386
3,078
3,161
3,260
3,171
3,312
2,878
3,113 200 N/A -152
3,026
2,897
2,897
208 N/A
119 N/A 115
52
122 N/A 293
N/A 222
-8
0 0
0
0
0
0
N/A
37
46
218 N/A 440 29 114
284 N/A 577
-100.00
N/A
N/A -115
N/A 161 -28 71
N/A
-8
93.04
-39
156
-9
-125.00
0 0
0 0
200
N/A N/A
0
0
0
-39
156
43
143
191
-125.00
Net Operating Income
31
-271
118
297
386
111.44
Net Discontinued / Extraordinary Items Net Inc Noncontrolling Minority Interests
0 0
0 0
0 0
0 0
0 0
N/A N/A
Net Income
31
-271
118
297
386
111.44
Cash Dividends Declared Retained Earnings Memo: Net International Income Memo: Interest on Time Dep Over $100M Memo: Interest on Time Dep Over $250M
0
55
166 -48 N/A
179 118 N/A
179 207 N/A 106 N/A
-100.00 109.51
31
-326 N/A N/A
N/A N/A
N/A N/A
52
63
20
21
N/A
N/A
-4.76
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