BAS Case Study - March 2023

Sunny State Bank

ASSET MIX

Asset Mix (% of Assets)

Asset Mix Over Time

100.0%

Quarter

2018Q4

Metrics

80.0%

Loans Securities Highly Liquid Other

10.8%

60.0%

3.8%

40.0%

54.7%

30.7%

20.0%

2013Q4

2014Q1

2014Q2

2014Q3

2014Q4

2015Q1

2015Q2

2015Q3

2015Q4

2016Q1

2016Q2

2016Q3

2016Q4

2017Q1

2017Q2

2017Q3

2017Q4

2018Q1

2018Q2

2018Q3

2018Q4

Asset Mix - Subject Bank vs. State Averages

Quarter

2018Q4

Loans-Bank

Loans-State

Securities-Bank

Securities-State Highly Liquid-Bank Highly Liquid-State

Other-Bank

Other-State

10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0%

66.8%

54.7%

30.7%

18.6%

10.8%

9.1%

5.5%

3.8%

Asset Mix Qtr

Evaluating the overall asset mix can provide insight into the risk profile of a bank. Loans are generally the highest-risk asset category.

2018Q4