BAS Case Study - March 2023

FDIC Certificate # OCC Charter # 0 Public Report Loan Mix, % Average Gross LN&LS Real Estate Loans Construction & Development 1-4 Family Construction Other Const & Land Development

SUNNY STATE BANK Analysis of Credit Allowance and Loan Mix--Page 7A

12/31/2018

12/31/2017

12/31/2016

12/31/2015

12/31/2014

BANK 77.92 1.96 1.48 0.48 2.52 66.67 4.01 61.58 1.08 0.11 6.66 3.55 3.11 0.00 0.78 8.80 11.97 1.21 3.55 0.45 0.09 N/A

PG 10 73.74 4.27 2.11 1.52 10.56 33.86 1.51 30.96 0.69 1.40 19.15 10.05 7.72 0.00 0.00 7.56 10.22 5.08 0.05 2.09 0.35 0.08 0.00 0.04 0.00 0.00

PCT

BANK 74.39 2.26 1.73 0.53 2.34 62.63 2.99 58.52 1.12 0.09 7.07 3.13 3.94 0.00 2.19 10.80 12.57 1.24 4.03 0.03 0.03 0.00 0.00 N/A

PG 10 72.39 4.52 2.22 2.07 9.52 31.48 1.47 28.72 0.78 1.44 21.03 12.00 7.58 0.00 0.00 7.74 11.30 5.43 0.05 1.96 0.40 0.14 0.00 0.05 0.00 0.00

PCT

BANK 73.69 2.63 2.01 0.62 2.90 59.66 2.68 55.83 1.15 0.08 8.42 2.90 5.52 0.00 2.79 11.80 11.49 1.07 3.72 0.04 0.18 0.00 0.00 N/A

PG 10 72.87 4.46 2.03 1.95 9.95 30.65 1.32 27.75 0.85 1.39 21.41 11.77 8.40 0.00 0.00 7.59 10.83 4.71 0.03 1.77 0.48 0.18 0.00 0.03 0.00 0.00

PCT

BANK 74.57 2.48 1.58 0.90 3.43 60.71 2.88 56.49 1.35 0.08 7.87 3.42 4.45 0.00 2.84 12.60 9.79 1.03 3.24 0.06 0.14 0.00 0.00 N/A

PG 10 73.53 5.18 2.22 2.47 8.47 32.20 1.72 28.76 1.04 1.53 21.90 11.79 8.80 0.00 0.00 6.51 11.60 4.81 0.04 1.78 0.39 0.25 0.00 0.03 0.00 0.00

PCT

BANK 74.48 2.54 1.27 1.26 4.06 60.76 2.57 56.39 1.80 0.09 7.04 3.41 3.63 0.00 2.40 14.94 8.01 1.01 3.39 0.07 0.09 0.00 0.00 N/A

PG 10 74.27 5.36 2.21 2.60 6.96 32.93 1.79 29.37 1.14 1.62 22.49 11.61 9.74 0.00 0.00 5.53 11.38 5.00 0.03 2.01 0.30 0.22 0.00 0.04 0.00 0.00

PCT

58 32 41 41 29 95 82 95 67 27 22 32 40 98 33 43 90 95 75 67 66

46 34 49 36 30 96 78 96 74 26 16 21 44 98 45 50 90 96 82 54 34 98 85

46 39 53 40 32 93 78 93 65 21 19 21 41 98 45 58 90 96 84 59 71 98 85

48 29 47 34 40 92 74 92 68 23 19 23 32 98 52 57 85 95 78 60 69 98 85

46 32 37 40 49 92 73 93 73 20 13 24 27 99 51 72 79 95 76 62 67 99 83

Secured by Farmland 1-4 Family Residential Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans

Multifamily

Non-Farm Non-Residential

Owner Occupied Non-Farm Non-Residential Other Non-Farm Non-Residential

RE Loans in Foreign Offices

N/A

N/A

N/A

N/A

N/A

Financial Institution Loans Agricultural Loans Commercial & Industrial Loans

Loans to Individuals Credit Card Loans Auto Loans Municipal Loans

Non-Depository and Other Loans to Foreign Governments Lease Financing Receivables Leases to Individuals Supplemental: Loans to Finance Comml Real Est Foreign Office Loans & Leases Memorandum (% of Avg Tot Loans): Loans & Lease Commitments Officer, Shareholder Loans Officer, Shareholder Loans to Assets Other Real Estate Owned % Assets Construction & Land Development All Other Leases

N/A 0.00 N/A N/A

N/A

85

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

0.00 0.00

0.01 0.00

90 98

0.00 0.00

0.01 0.00

92 98

0.00 0.00

0.00 0.00

93 98

0.00 0.00

0.01 0.00

90 98

0.00 0.00

0.00 0.00

94 99

16.01 0.58 0.32

12.15 1.33 0.76

67 35 33

12.23 0.51 0.28

12.23 1.29 0.79

56 29 25

13.17 0.54 0.29

12.04 1.44 0.87

59 31 26

13.01 0.57 0.31

12.26 1.51 0.90

57 35 32

12.79 0.59 0.31

12.21 1.45 0.90

61 37 34

0.00 0.00 0.33 0.00 0.46 0.00 N/A 0.79 0.00 0.79 0.00 7.62 0.00 7.62

0.04 0.00 0.06 0.00 0.11 0.00 0.00 0.28 0.00 0.28 0.00 0.00 0.00 2.20

80 90 90 90 85 98

0.00 0.00 0.26 0.00 0.54 0.00 N/A 0.80 0.00 0.80 0.00 0.00 0.00 0.00

0.07 0.02 0.08 0.00 0.10 0.00 0.00 0.34 0.00 0.34 0.00 0.00 0.00 2.36

74 96 85 90 89 98

0.00 0.00 0.67 0.00 0.51 0.00 N/A 1.18 0.00 1.18 0.00 0.00 0.00 0.00

0.11 0.01 0.09 0.00 0.10 0.00 0.00 0.43 0.00 0.43 0.03 1.32 0.01 2.12

63 96 92 91 87 98

0.00 0.00 0.57 0.00 0.41 0.00 N/A 0.98 0.00 0.98

0.19 0.01 0.14 0.00 0.19 0.00 0.00 0.60 0.00 0.60 0.04 2.64 0.02 3.53

60 95 87 94 80 98

0.00 0.00 0.64 0.00 0.21 0.00 N/A 0.84 0.00 0.84

0.18 0.00 0.17 0.00 0.23 0.00 0.00 0.67 0.00 0.67 0.08 2.12 0.26 3.81

56 92 87 92 59 99

Farmland 1-4 Family Multifamily

Non-Farm Non-Residential Foreclosed GNMA

Foreign Offices

N/A

N/A

N/A

N/A

N/A

Subtotal

85 98 85

81 98 81

79 98 79

73 98 73

64 99 64

Direct and Indirect Inv

Total

Asset Servicing % Assets Mortgage Servicing w/ Recourse Mortgage Servicing w/o Recourse

95 95 90 85

91 95 91 84

92 87 92 85

0.00 11.77 0.00 11.77

91 87 93 84

0.00 12.51 0.00 12.51

89 88 95 83

Other Financial Assets

Total