BAS Case Study - March 2023
FDIC Certificate # OCC Charter # 0 Public Report
SUNNY STATE BANK Off Balance Sheet Items--Page 5
Percent Change
12/31/2018
12/31/2017
12/31/2016
12/31/2015
12/31/2014
1 Quarter
1 Year
Outstanding (% of Total Assets Home Equity (1-4 Family)
BANK PG 10 PCT BANK PG 10 PCT BANK PG 10 PCT BANK PG 10 PCT BANK PG 10 PCT
1.68 1.57 1.17 1.13 0.04 0.00 4.53 8.95 0.00 0.04 N/A 0.00 0.00 0.00 0.00 0.00
0.69 0.11 1.33 0.60 0.59 0.03 4.03 7.23 0.00
79 93 46 72 40 95 66 67 95
1.77 1.30 0.49 0.49 0.00 0.00 3.11 6.67 0.00 0.03 N/A 0.00 0.00 0.00 0.00 0.00
0.76 0.12 1.46 0.70 0.62 0.02 3.89 7.31 0.00
78 93 40 49 36 96 52 50 98
1.20 1.29 0.41 0.41 0.00 0.00 4.21 7.11 0.00 0.11 N/A 0.00 0.00 0.00 0.00 0.00
0.64 0.08 1.22 0.60 0.45 0.00 4.25 7.28 0.00
76 92 36 54 29 96 58 54 98
0.94 1.35 0.99 0.99 0.00 0.00 3.77 7.05 0.00 0.06 N/A 0.00 0.00 0.00 0.00 0.00
0.81 0.08 1.57 0.70 0.69 0.03 3.84 7.31 0.00
63 92 47 68 25 95 51 52 98
0.86 1.20 1.20 1.17 0.03 0.00 3.38 6.64 0.00 0.06 N/A 0.00 0.00 0.00 0.00 0.00
0.83 0.07 1.22 0.61 0.49 0.03 4.05 7.20 0.00
60 93 63 79 33 97 48 54 99
Credit Card
Commercial RE Secured by RE 1-4 Family Residential Comml RE, Oth Const & Land Commercial RE Not Secured by RE Total LN&LS Commitments Securities Underwriting Standby Letters of Credit Amount Conveyed to Others Commercial Letters of Credit Assets Securitized or Sold w/Rec Amount of Recourse Exposure Credit Derivatives Bank as Guarantor Credit Derivatives Bank as Beneficiary All Other
0.06
61
0.08
56
0.08
74
0.08
59
0.11
56
0.00 N/A
0.00 N/A
0.00 N/A
0.00 N/A
0.00 N/A
0.00
91
0.00
90
0.00
89
0.00
88
0.00
86
0.19 0.00 0.00 0.00
85 95 95 95
0.13 0.00 0.00 0.00
86 91 95 95
0.23 0.02 0.00 0.00
86 86 98 98
0.34 0.03 0.00 0.00
86 86 98 98
0.45 0.04 0.00 0.00
83 83 99 99
All Oth Off-Balance Sheet Items
0.00
0.05
90
0.00
0.01
93
0.00
0.05
91
0.00
0.01
93
0.00
0.03
92
Off-Balance Sheet Items Outstanding ($000) Home Equity (1-4 Family)
8.99
8.50
64
6.70
8.15
48
7.22
8.78
47
7.10
8.36
49
6.69
8.44
48
1,384 1,291
1,522 1,121
1,011 1,086
765
701 981 981 959
-27.16 0.08 -23.51 -14.94 -79.17
-9.07 15.17 129.29 120.95
Credit Card
1,092
Commercial RE Secured by RE 1-4 Family Residential Commercial RE, Oth Const & Land Commercial RE Not Secured by RE
963 928
420 420
347 347
798 798
35
0 0 0 0
0 0 0 0
0 0 0 0
22
N/A N/A N/A N/A 0.00 N/A N/A N/A N/A N/A N/A 39.06
0
0
N/A
All Other
3,724
2,678
3,542
3,052
2,767
-34.70
Securities Underwriting
0
0 0
N/A 8.68 0.00 N/A N/A N/A N/A N/A N/A
Memo: Unused Commit w/mat GT 1 YR
7,362
Standby Letters of Credit Amount Conveyed to Others Commercial Letters of Credit
30
30
90
45
45
N/A
N/A
N/A
N/A
N/A
0
0
0
0
0
Assets Securitized or Sold w/recourse Amount of Recourse Exposure Credit Derivatives Bank as Guarantor Credit Derivatives Bank as Beneficiary
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
All Oth Off-Balance Sheet Items
0
0
0
0
0
N/A
N/A
Off-Balance Sheet Items
7,392
5,771
6,076
5,752
5,475
-27.40
28.09
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