BAS Case Study - March 2023

FDIC Certificate # OCC Charter # 0 Public Report Loan & Leases as a % of Total Capital Real Estate Loans Construction & Development 1-4 Family Construction Other Const & Land Development

SUNNY STATE BANK Analysis of Concentrations of Credit--Page 7B

12/31/2018

12/31/2017

12/31/2016

12/31/2015

12/31/2014

BANK 515.66 12.69 10.34 2.35 16.39 442.91 28.21 407.80 6.90 0.69 42.98 23.45 19.53

PG 10 411.43 25.08 12.32 9.74 60.35 186.88

PCT

BANK 517.15 14.51 10.38 4.13 13.24 440.51 22.39 410.76 7.37 0.71 48.18 26.11 22.07

PG 10 409.96 26.38 13.53 11.33 54.61 179.40

PCT

BANK 464.00 14.94 11.31 3.63 17.21 379.10 17.35 354.56 7.19 0.72 52.03 18.04 33.99

PG 10 409.77 26.97 12.64 11.29 57.26 174.39

PCT

BANK 443.33 17.87 13.39 4.48 18.53 356.60 16.20 333.36 7.05 0.52 49.80 19.15 30.65

PG 10 412.03 28.73 13.92 13.31 49.28 181.81 10.26 162.21

PCT

BANK 416.54 12.62 7.94 4.68 19.99 345.82 16.07 321.06 8.68 0.41 37.70 19.18 18.52

PG 10 424.19 32.29 14.15 14.97 41.47 188.90 10.47 167.32

PCT

74 43 59 40 33 93 87 95 75 30 27 30 40 98 35 54 93 95 77 96 75

76 41 48 46 34 97 85 97 81 30 22 29 42 98 37 54 93 96 85 54 34

65 41 56 39 35 90 78 91 73 25 20 23 46 98 47 70 93 96 87 59 50 98 86

60 40 59 35 41 92 71 91 65 26 17 23 41 98 53 63 90 95 82 61 63 98 87

47 31 39 34 43 92 73 93 69 23 13 22 30 99 53 64 83 96 75 62 71 99 85

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

8.14

8.48

7.83

171.46

163.01

158.12

3.50 8.38

3.89 7.91

4.21 8.24

5.31 8.23

6.17 9.57

Multifamily

Non-Farm Non-Residential

107.06 57.63 41.91

117.47 67.25 41.94

116.02 62.68 43.43

121.17 65.29 48.86

126.75 67.43 52.41

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

RE Loans in Foreign Offices

N/A

0.00

N/A

N/A

0.00

N/A

N/A

0.00

N/A

N/A

0.00

N/A

N/A

0.00

N/A

Financial Institution Loans Agricultural Loans Commercial & Industrial Loans

0.00 5.52 55.08 72.26 7.73 21.15 14.44 0.85

0.00 40.64 57.26 27.76 0.20 11.53 1.94 0.40 0.00 0.22 0.00 0.00

0.00 5.31 60.17 82.67 8.77 25.16 0.12 0.06

0.00 42.51 63.95 30.44 0.28 11.06 2.27 0.52 0.00 0.30 0.00 0.00

0.00 17.28 76.63 78.31 7.59 25.47 0.21 0.18 0.00 0.00

0.00 41.23 61.78 26.62 0.18 10.06 2.36 1.02 0.00 0.25 0.00 0.00

0.00 18.63 70.89 61.58 6.09 19.35 0.30 0.35 0.00 0.00

0.00 36.02 64.37 26.22 0.18 9.69 2.45 1.30 0.00 0.19 0.00 0.00

0.00 15.13 75.02 48.87 5.82 18.05 0.37 0.83 0.00 0.00

0.00 32.53 65.76 27.96 0.17 10.39 1.59 1.26 0.00 0.22 0.00 0.00

Loans to Individuals Credit Card Loans Auto Loans Municipal Loans

Non-Depository and Other Loans to Foreign Governments Lease Financing Receivables Leases to Individuals

N/A 0.00 N/A N/A

N/A

N/A 0.00 N/A N/A

N/A

85

88

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

All Other Leases

Supplemental: Loans to Finance Commercial Real Estate Foreign Office Loans & Leases Commercial Real Estate Loans as a % of Total Capital: Non-owner OCC Commercial Real Estate Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development Non-owner OCC Commercial Real Estate Total Commercial Real Estate

0.00 0.00

0.04 0.00

90 98

0.00 0.00

0.02 0.00

92 98

0.00 0.00

0.00 0.00

93 98

0.00 0.00

0.00 0.00

93 98

0.00 0.00

0.34 0.00

95 99

32.91 56.36

86.02 149.31

22 19

37.29 63.40

86.31 160.28

22 18

49.64 67.68

88.82 159.21

29 15

49.05 68.20

95.25 165.69

26 17

31.55 50.73

103.98 175.85

16 12

1.91 4.96 8.49

4.41 15.51 26.53

33 22 16

2.18 5.60 9.53

4.46 15.62 28.81

37 22 12

2.35 7.80 10.63

4.72 16.04 28.91

37 24 12

3.00 8.24 11.46

5.05 17.14 29.95

36 19 14

2.27 5.67 9.11

5.45 17.96 30.78

30 16 10

Total Commercial Real Estate