BAS Case Study - March 2023

FDIC Certificate # OCC Charter # 0 Public Report Percent of Average Assets Personnel Expense Occupancy Expense Other Oper Exp (Incl Intangibles Total Overhead Expense Overhead Less Nonint Inc Other Income & Expense Ratios: Efficiency Ratio Avg Personnel Exp Per Empl($000 Assets Per Employee ($Million Yield on or Cost of: Total Loan & Leases (TE Loans in Domestic Offices Secured by 1-4 Fam Resi Prop All Other Loans Sec Real Estate Commercial & Industrial Real Estate Loans in Foreign Offices Total Investment Securities (TE) Total Investment Securities (Book) US Treas & Agency (Excl MBS) Mortgage Backed Securities Interest-Bearing Bank Balances Federal Funds Sold & Resales Total Interest Bearing Deposits Transaction accounts Other Savings Deposits All Other Securities Federal Funds Purchased & Repos Other Borrowed Money Subord Notes & Debentures Other Interest Expense All Interest-Bearing Funds Memo: Time Deps Over $100M Memo: Time Deps Over $250M Non-interest Income & Expenses Fiduciary Activities Deposit Service Charges Trading, Vent Cap, Securtz Inc Inv Banking, Advisory Inc Insurance Comm & Fees Net Servicing Fees Loan & Lse Net Gains/Loss Other Net Gains/Losses Other Non-interest Income Non-interest Income Personnel Expense Occupancy Expense Goodwill Impairment Other Intangible Amortiz Other Oper Exp(incl Intangibles) Non-Interest Expense Domestic Banking Offices(#) Foreign Branches (#) Assets Per Domestic Office Individual Credit Card Agricultural Time Deposits Foreign Office Deposits

SUNNY STATE BANK Noninterest Income, Expenses and Yields--Page 3

12/31/2018

12/31/2017

12/31/2016

12/31/2015

12/31/2014

BANK 1.52 0.52 1.45 3.48 2.99 93.50 56.91 3.74

PG 10 1.83 0.40 1.06 3.32 2.71 76.34 67.05 3.78

PCT

BANK 1.73 0.50 1.47 3.70 3.24 98.48 63.17 3.74

PG 10 1.90 0.43 1.13 3.52 2.73 77.56 65.77 3.60

PCT

BANK 1.68 0.52 1.52 3.72 3.12 92.82 48.75 3.01

PG 10 1.87 0.44 1.10 3.46 2.68 78.36 63.91 3.54

PCT

BANK 1.62 0.47 1.52 3.61 3.08 91.35 56.39 3.52

PG 10 1.87 0.45 1.14 3.54 2.71 81.20 61.58 3.39

PCT

BANK 1.44 0.44 1.57 3.45 2.99 87.47 55.05 3.72

PG 10 1.84 0.47 1.15 3.50 2.73 80.47 58.78 3.30

PCT

24 79 79 70 75 88 25 56 29 30 16 17 67 91 25 10 81 52 67 64 63 73 11 68 29 83 27 25

36 73 78 68 78 90 41 58 48 49 24 22 68 75 38 25 91 38 58 75 61 71 25 30 38 88 46 41

34 73 85 71 76

34 57 83 62 72 78 36 60 47 47 21 22 69 87 46 33 90 70 66 70 48 73 14 77 43 80 55 56

17 42 83 56 64 73 38 70 50 49 21 22 72 78 43 27 95 85 80 70 64 78 13 78 65 76 52 78

82

9

31

5.23 5.23 4.83 4.68 5.69 7.71 6.01 6.90 6.47 N/A 2.35 2.35 2.04 2.32 2.89 1.02 2.03 0.49 0.57 0.21 0.88 N/A 2.05 2.06 N/A N/A 0.60 N/A 1.09

5.55 5.54 5.31 5.39 5.38 6.00 7.48

5.33 5.33 4.85 4.71 5.62 6.89 6.17 7.86 7.47 N/A 2.24 2.24 2.03 2.15 2.81 0.88 0.97 0.40 0.36 0.24 0.75 N/A 1.50 1.60 N/A N/A 0.48 N/A 1.30

5.51 5.50 5.28 5.36 5.31 5.99 6.88

5.39 5.39 5.03 4.88 5.69 6.68 6.19 7.90 7.04 N/A 2.46 2.17 2.15 1.90 3.05 0.30 0.49 0.39 0.26 0.24 0.77 N/A 0.90 1.63 N/A N/A 0.47 0.86 N/A

5.48 5.48 5.29 5.34 5.35 5.95 7.19

53 53 32 29 74 75 37 20 95 53 51 62 53 74 19 58 35 81 50 50

5.39 5.39 4.92 4.74 5.73 6.90 6.57 8.19 6.87 N/A 2.74 2.33 2.09 1.95 3.31 0.00 0.27 0.43 0.23 0.23 0.84 N/A 1.10 1.28 N/A N/A 0.49 0.92 N/A

5.54 5.54 5.42 5.45 5.48 5.73 7.15

5.52 5.51 5.04 4.86 5.87 6.73 6.88 8.28 7.08 N/A 3.23 2.60 2.00 2.27 3.44 0.00 0.25 0.60 0.22 0.22 1.16 N/A 0.89 1.31 N/A N/A 0.66 1.25 N/A

5.68 5.68 5.49 5.59 5.52 6.00 7.37

13.85 5.66 0.00 2.38 2.24 1.89 2.23 2.42 1.83 1.87 0.65 0.25 0.37 1.11 0.00

12.22 5.47 0.00 2.42 2.12 1.72 1.90 2.43 1.03 1.05 0.49 0.18 0.27 0.87 0.00

14.55 5.27 0.00 2.42 2.11 1.80 1.76 2.48 0.73 0.42 0.47 0.17 0.25 0.82 0.00

18.24 5.25 0.00 2.29 2.05 1.65 1.83 2.57 0.65 0.18 0.45 0.15 0.23 0.80 0.00

16.76 5.21 0.00 2.33 2.08 1.60 2.05 2.60 0.56 0.17 0.52 0.15 0.24 0.88 0.00

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

1.79 1.77 0.00 3.40 0.70 0.00 1.50

40 71

0.85 1.65 0.00 1.35 0.53 0.00 1.14

71 46

0.28 1.52 0.00 0.00 0.51 0.89 0.00

82 54

0.35 1.68 0.83 0.00 0.49 0.84 0.00

89 45

0.34 1.95 0.00 0.00 0.55 0.93 0.00

83 41

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

37

53

47

49

66

N/A

N/A

52

58

78

28

69

N/A

N/A

N/A

0

0

0

0

0

150

140

119

133

131

0 0 0 0 5 7

0 0 0

0 0 0

0 0 0

0 0 0

12

15 23 95

11 17 -11 272 422

14 -2 12

0

-12 248 388

250 412

240 492

231 386

1,252

1,453

1,365

1,297

1,211 372

431

422

421

380

0 0

0 0

0 0

0 0

0 0

1,195 2,878

1,238 3,113

1,240 3,026

1,220 2,897

1,314 2,897

3 0

3 0

3 0

3 0

3 0

27,408

28,703

28,055

26,993

27,262

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