BAS Case Study - March 2023

FDIC Certificate # OCC Charter # 0 Public Report Capital Analysis ($000

SUNNY STATE BANK Capital Analysis--Page 11A

12/31/2018

12/31/2017

12/31/2016

12/31/2015

12/31/2014

Common Equity Tier 1 Capital: ($000 Common Stock Plus Related Surplus Retained Earnings Accum Other Comprehensive Inc (AOCI Common Equity T1 Minority Interest Common Equity T1 Cap Before Adj/Ded Common Equity Tier 1 Capital: Adj/Ded Less: Goodwill Less: DTA (NOL & Tax Credit Only) AOCI-Related Adjustments-Opt Out AOCI-Related Adjustments-No Opt Out Oth Ded (add) CET1 bef threshold ded Less: Non-significant Investments Subtotal before Threshold Limits Less: Sig Inv, MSAs, DTA > 10% Limit Less: Sig Inv, MSAs, DTA > 15% Limit Less: Ded due to insuff T1 and T2 Cap Total Adj and Ded for CET1 Capital Common Equity Tier 1 Capital Additional Tier 1 Capital: Additional T1C Inst & Related Surplus Non-qualifying Cap Inst sub to phaseout Tier 1 Minority Int Not Incl in CET1 Cap Additional T1 Cap Before Deductions Less: Additional T1 Cap Deductions Less: Intangible Assets Tier 2 Capital: T2 Cap Instruments & Related Surplus Non-qualifying Capital Instruments Tot Cap Min Int Not Incl in T1 Cap Exited Adv App Eligible Cr Reserves Unrealized Gains on AFS Pref Stock Tier 2 Capital Before Deductions Exited Adv App T2C Before Deductions Less: Tier 2 Capital Deductions Tier 2 Capital - Standardized Approaches Tier 2 Capital - Advanced Approaches Total Capital - Standardized Approaches Total Capital - Advanced Approaches ALLL in Tier 2 Capital Additional Tier 1 Capital Tier 1 Capital

2,557 4,355 -678

2,557 4,324 -364

2,557 4,588 -469

2,557 4,636

N/A

4,519

-74

N/A N/A N/A

0

0

0

0

6,234

6,517

6,676

7,119

0 0

0 0

0 0

0 0

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 404 N/A N/A N/A N/A N/A 404 N/A

327 -678 N/A

262 -304 N/A

253 -469 N/A

58 -74 N/A

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

6,585

6,559

6,892

7,135

6,585

6,559

6,892

7,135

6,585

6,559

6,892

7,135

7,069

0 0 0

0 0 0

0 0 0

0 0 0

388 N/A 388 N/A 0

320 N/A 320 N/A 0

352 N/A 352 N/A 0

317 N/A 317 N/A 0

0

0

0

0

388 N/A

320 N/A

352 N/A

317 N/A

6,973

6,879

7,244

7,452

7,473

N/A

N/A

N/A

N/A

N/A