BAS Case Study - March 2023

Sunny State Bank

LOAN MIX

LoanMix (Single Quarter)

LoanMix Over Time

100.0%

Quarter

2018Q4

80.0%

Metrics

8.7%

60.0%

1-4 Family Ag/Farmland Commercial Consumer CRE Other

12.0%

40.0%

8.8%

3.3%

20.0%

66.7%

2013Q4

2014Q1

2014Q2

2014Q3

2014Q4

2015Q1

2015Q2

2015Q3

2015Q4

2016Q1

2016Q2

2016Q3

2016Q4

2017Q1

2017Q2

2017Q3

2017Q4

2018Q1

2018Q2

2018Q3

2018Q4

LoanMix - Bank vs. State Averages

Quarter

2018Q4

1-4 Fam-Bank 1-4 Fam-State Ag-Bank

Ag-State Comm-Bank Comm-State Cons-Bank Cons-State CRE-Bank CRE-State Other-Bank Other-State

70.0%

66.7%

60.0%

48.9%

50.0%

40.0%

30.0%

26.5%

20.0%

12.0%

8.8%

9.1%

8.7%

7.5%

10.0%

6.1%

3.3%

1.4%

0.5%

LoanMix Qtr

Evaluating the loan mix can provide insight into the degree of risk in the loan portfolio. The "Loan Performance" link on this web site includes detailed loss rates by loan type over time:

https://www.fdic.gov/bank/analytical/qbp/

2018Q4