BAS Case Study - March 2023

Sunny State Bank

POSSIBLE LENDING CONCENTRATIONS (% of Tier 1 Capital + ALLL)

Possible Concentrations (% of Tier One Capital + ALLL)

Quarter

2018Q4

Agricultural

Commercial

CRE

20% 40% 60% 80% 100%

55%

33%

22%

Concentration Levels Over Time

5% 15% 25% 35% 45%

20% 50% Agricultural Commercial CRE 60% 100% 30%

10%

2013Q4

2014Q2

2014Q4

2015Q2

2015Q4

2016Q2

2016Q4

2017Q2

2017Q4

2018Q2

2018Q4

2014Q1

2014Q3

2015Q1

2015Q3

2016Q1

2016Q3

2017Q1

2017Q3

2018Q1

2018Q3

Possible Conc. Qtr

The horizontal dotted lines correspond to the concentration threshold of 100% of Tier One Capital and reserves. Note that for this calculation CRE does not include owner occupied properties.

2018Q4