BAS Case Study - March 2023

Sunny State Bank

ASSET SIZE & GROWTH

Asset Size - Bank vs. StateMedian

Asset Growth

$100M

Quarter

2018Q4

Bank

$178,733,500 State Median

$80M

$100M $120M $140M $160M $180M

$60M

$40M

$82,223,000

$20M $40M $60M $80M

$20M

2013Q4

2014Q1

2014Q2

2014Q3

2014Q4

2015Q1

2015Q2

2015Q3

2015Q4

2016Q1

2016Q2

2016Q3

2016Q4

2017Q1

2017Q2

2017Q3

2017Q4

2018Q1

2018Q2

2018Q3

2018Q4

Asset Growth Rate

2.0%

1.9%

2.0%

1.4%

1.4%

1.3%

0.8%

0.8%

1.0%

0.3%

0.5%

(0.1%)

0.5%

0.0%

(0.5%)

(0.0%)

(0.6%)

(0.5%)

Metrics

(1.0%)

(1.2%)

Bank State All Banks

(1.8%)

(2.0%)

(2.4%)

(3.0%)

(2.9%)

(3.0%)

(3.4%)

(4.0%)

2013Q4

2014Q1

2014Q2

2014Q3

2014Q4

2015Q1

2015Q2

2015Q3

2015Q4

2016Q1

2016Q2

2016Q3

2016Q4

2017Q1

2017Q2

2017Q3

2017Q4

2018Q1

2018Q2

2018Q3

2018Q4

Asset Size Qtr

The risk management practices suggested in regulatory guidance are often based on the size and risk profile of a bank, making it important to be aware of the relative size of a bank. Something to keep in mind is that it can be difficult to achieve asset growth without taking on risk. E.g. loosening loan underwriting standards to grow loan volume, funding asset growth with wholesale sources, etc.

2018Q4