BAS Case Study - March 2023

FDIC Certificate # OCC Charter # 0 Public Report

SUNNY STATE BANK Analysis of Past Due, Nonaccrual & Restructured--Page 8A

12/31/2018

12/31/2017

12/31/2016

12/31/2015

12/31/2014

% of Non-Current LN&LS by Loan Type Financial Institution LNS-90+ Days P/D

BANK

PG 10 0.00 0.00 0.00 0.00

PCT N/A N/A N/A N/A

BANK

PG 10 0.00 0.00 0.00 0.00

PCT N/A N/A N/A N/A

BANK

PG 10 0.00 0.00 0.00 0.00

PCT N/A N/A N/A N/A

BANK

PG 10 0.00 0.00 0.00 0.00

PCT N/A N/A N/A N/A

BANK

PG 10 0.00 0.00 0.00 0.00

PCT N/A N/A N/A N/A

N/A N/A N/A N/A 0.16 0.00 0.16 0.70 0.00 0.00 0.00 0.00 0.73 0.00 0.73 1.53 0.56 0.00 0.56 0.93 1.90 0.00 1.90 3.59 0.00 0.00 0.00 0.00 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0.65 0.53 1.18 1.64 8.79 2.82 3.39 0.00 0.00 0.00 0.91 0.00 0.00 0.00

N/A N/A N/A N/A 0.99 0.00 0.99 0.00 0.00 0.00 0.00 0.00 0.26 0.00 0.26 1.37 0.00 0.00 0.00 1.00 0.58 0.00 0.58 2.37 0.00 0.00 0.00 0.00 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 1.76 0.56 2.32 1.12 3.45 3.65 0.00 0.00 0.00 0.05 0.00 0.00 0.00

N/A N/A N/A N/A 0.00 2.45 2.45 3.58 0.00 0.00 0.00 0.00 0.33 0.00 0.33 1.89 3.09 0.00 3.09 2.55 0.11 0.00 0.11 3.69 0.00 0.00 0.00 0.00 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 1.67 0.91 2.57 1.70 4.27 4.05 0.00 0.00 0.00 2.34 0.00 0.00 0.00

N/A N/A N/A N/A 0.11 0.00 0.11 0.00 0.00 0.00 0.00 0.00 0.52 0.00 0.52 0.61 2.64 0.00 2.64 0.66 0.00 0.00 0.00 1.60 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 2.09 0.90 2.99 1.24 4.23 5.13 0.00 0.00 0.00 0.30 0.00 0.00 0.00

N/A N/A N/A N/A 0.70 0.00 0.70 0.00 0.00 0.00 0.00 0.00 1.07 0.00 1.07 0.85 0.69 0.00 0.69 1.84 1.70 0.00 1.70 1.04 0.00 0.00 0.00 0.00 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 2.22 0.68 2.90 1.88 4.78 4.45 0.17 0.17 0.00 1.03 0.00 0.00 0.00

-Nonaccrual

-Total

-30-89 DAYS P/D

Coml & Indust LNS-90+ Days P/D

0.02 0.88 1.03 0.87 0.05 0.42 0.46 0.05 0.09 0.33 0.48 0.95 0.31 0.76 1.06 2.92 0.10 0.46 0.64 1.06 0.00 0.46 0.71 0.63 0.00 0.89 0.89 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.12 1.00 1.25 1.04

88 55 59 70 87 78 75 78 93 56 69 75 70 70 50 50 96 67 84 86 94 90 88 75

0.02 0.64 0.72 0.58 0.00 0.30 0.36 0.40 0.09 0.27 0.43 1.34 0.96 0.53 1.49 1.90 0.06 0.37 0.52 1.51 0.01 0.60 0.71 0.24 0.00 0.57 0.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.10 0.94 1.12 1.11

97 62 72 47 91 83 83 78 85 60 55 59 75 81 62 50 90 67 70 73 90 89 84 75

0.01 0.47 0.55 0.84 0.00 0.10 0.10 0.08 0.11 0.18 0.43 0.92 0.62 0.48 1.10 1.73 0.06 0.19 0.41 0.98 0.41 0.02 0.04 0.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.12 0.93 1.13 1.04

91 88 86 85 95 85 85 78 86 67 67 79 93 80 86 73 88 72 64 90 95 92 91 78

0.03 0.65 0.87 0.60 0.03 0.01 0.14 0.04 0.10 0.34 0.55 1.01 0.29 0.52 0.81 2.28 0.05 0.32 0.48 1.04 0.01 0.00 0.06 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.15 1.00 1.25 0.98

89 51 52 57 90 90 83 79 88 60 67 56 93 80 86 53 85 70 63 73 91 93 86 97

0.06 0.76 1.01 0.51 0.00 0.02 0.02 0.05 0.08 0.28 0.44 1.07 0.14 0.32 0.46 2.89 0.14 0.23 0.46 1.08 0.63 0.00 0.00 0.57 0.00 0.00 0.00 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.12 0.87 1.05 0.91

92 56 66 45 92 87 85 78 94 56 78 55 88 83 77 61 94 69 85 62 96 94 92 82

-Nonaccrual

-Total

-30-89 DAYS P/D

Agricultural LNS-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

Loans to Individuals-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

Credit Card Plans-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

Auto Loans

-Nonaccrual

-Total

-30-89 DAYS P/D

Non-depository, Other and Muni-90+ Days P/D

0.00 0.00 0.00 35.42

-Nonaccrual

-Total

-30-89 DAYS P/D

Lease Financing-90+ Days P/D

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 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

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

-Nonaccrual

-Total

-30-89 DAYS P/D

Leases to Individuals-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

All Other Leases-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

Total LN&LS-90+ Days Past Due

88 50 58 66 64 67 56 82 79 58 59 91 86 88 96

96 41 78 56 94 88 69 85 74 46 48 82 87 88 97

96 58 85 70 93 91 78 84 73 41 43 95 88 88 97

95 65 83 67 94 88 79 83 74 41 48 86 92 86 94

98 53 86 76 93 85 83 81 81 54 51 96 92 91 94

-Nonaccrual

-Total

-30-89 DAYS P/D

Other Pertinent Ratios: Non-Cur LN&LS to-LN&LS Allowance % Total P/D LN&LS-Incl Nonaccrual Non Curr LNS+OREO to LNS+OREO Non-Curr Restruct Debt/Gr LN&LS Curr+Non-Curr Restruct/GR LN&LS -Equity Capital

141.24

94.45 7.33 2.51 1.73 0.08 0.37 0.25

332.19 16.31

85.24 6.50 2.41 1.67 0.10 0.64 0.51

337.22 17.78

87.94 6.42 2.35 1.95 0.12 0.66 0.44

418.93 18.65

91.08 6.59 2.41 2.36 0.10 0.74 0.56

298.76 16.99

73.45 6.16 2.18 2.27 0.10 0.76 0.55

Current Restruct LN&LS

Loans Sec 1-4 Fam RE in Forclosure as % Total Loans Sec 1-4 Fam RE Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D

0.05 1.25 1.68 0.82

0.11 0.93 0.93 0.17

0.13 1.22 0.37 0.07

0.08 0.61 1.17 0.00

0.03 0.26 0.22 0.00

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