BAS Case Study - March 2023

FDIC Certificate # OCC Charter # 0 Public Report

SUNNY STATE BANK Balance Sheet $--Page 4

12/31/2018

12/31/2017

12/31/2016

12/31/2015

12/31/2014

1 Quarter

1 Year

Assets: Real Estate Loans Commercial Loans Individual Loans Agricultural Loans Other Loans & Leases LN&LS Allowance Unearned Income Net Loans & Leases

35,957 3,841 5,039

35,575 4,139 5,687

33,612 5,551 5,673 1,252

33,037 5,283 4,589 1,388

31,128 5,606 3,652 1,131

-0.78 -0.13 -7.42 11.92 1.31 N/A 0.81 -0.56 -8.39 N/A N/A N/A 2.90 N/A N/A -2.11 -0.23 6.52 -1.02 -1.68 -6.09 -6.58 -2.53 -9.88 N/A -5.07 N/A 0.17 N/A -4.98 N/A N/A N/A 6.27 0.36 3.35 0.58 -1.48 N/A -2.13 N/A N/A N/A 0.82 N/A -33.33 153.48 N/A N/A -2.56 0.58 -2.35 884.01 2633.33

1.07 -7.20 -11.39 5.48 N/A 0.97 -6.62 -11.42 8783.33 21.25

385

365

1,066

12

28

48

90

388

320

352

317

404

0

0

0

0

0

45,900 19,994 4,606

45,458 21,411 5,200

45,764 21,056 4,774

44,028 20,562 4,878

41,203 19,824 8,039

U.S. Treasury & Agency Securities Municipal Securities Foreign Debt Securities All Other Securities HTM Securities Allowance Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Nonint Cash & Due From Banks Premises, Fix Assts, Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs Acceptances & Oth Assets Total Investments Total Earning Assets All Now & ATS Accounts Money Market Deposit Accounts Other savings Deposits Time Deps At Or Below Insurance Limit Less: Fully Insured Brokered Deposits Fully Insured Brokered Deposits Time Deps Above Insurance Limit Deposits in Foreign Offices Federal Funds Purch & Resale Fed Home Loan Bor Mat < 1 Year Fed Home Loan Bor Mat > 1 Year Oth Borrowing Mat < 1 Year Oth Borrowing Mat > 1 Year Subordinated Notes & Debentures Acceptances & Other Liabilities Total Liabilities (Incl Mortg) Total Bank Capital & Min Int Total Liabilities & Capital Memoranda: Officers, Shareholder Loans (#) Officers, Shareholder Loans ($) Held-to-Maturity Securities Available-for-Sale Securities Core Deposits Total Deposits Total Assets Average Assets During Quarter Liabilities: Demand Deposits

0 0

0 0

0 0

0 0

0 0

N/A N/A N/A N/A N/A

N/A

N/A

N/A 206

N/A

N/A

71

2,373

56

53

-97.01

0 0

0 0

0 0

0 0

1,533

0

24,671 70,571

28,984 74,442

26,036 71,800

25,496 69,524

29,449 70,652

-14.88 -5.20 -14.79 -3.93 67.51 N/A N/A 3.75 -4.51 -5.38 -30.93 -3.29 -15.84 N/A -3.40 N/A -18.97 N/A -3.73 13.30 -50.00 0.00 9.03 3.21

2,403 4,153 1,057

2,820 4,323

3,121 4,526

2,586 4,137

3,383 3,284

631

711

996

673

0 0

0 0

0 0

0 0

0 0

4,039 82,223 80,935

3,893 86,109 85,540

4,007 84,165 81,951

3,736 80,979 80,368

3,794 81,786 82,696

9,535 24,374 3,069 19,295 9,773

8,745 23,617 4,443 19,952 11,612

8,486 22,026 5,341 19,343 13,745

8,444 18,629 4,326 18,897 16,264

9,224 18,427 4,857 15,825 18,456

0

0

0

0

0

66,046

68,369

68,941

66,560

66,789

0

0

0

0

0

1,209

1,492

1,577

1,036

2,116

N/A

N/A

N/A

N/A

N/A

67,256 4,123 1,000 2,000

69,861 3,639 2,000 2,000

70,519 1,238 1,000 3,000

67,596

68,905

443

0

3,000 1,000

3,000 1,000

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

N/A N/A N/A

1,610 75,989 6,234 82,223

2,092 79,592 6,517 86,109

1,732 77,489 6,676 84,165

1,821 73,860 7,119 80,979

1,777 74,682 7,104 81,786

-23.04 -4.53 -4.34 -4.51

0

0

0

0

0

266

240

244

248

251

10.83 N/A -7.56 N/A N/A N/A 1.11

0

0

0

0

0

24,600

26,611

25,830

25,440

27,863

All Brokered Deposits LN&LS in Foreign Offices Loans Held for Sale Loans not Held for Sale

0

0

0

0

0

N/A

N/A

N/A

N/A 270

N/A

0

0

0

0

46,288

45,778

46,116

44,075

41,607