BAS Case Study - March 2023

Sunny State Bank

CRE MIX & GROWTH

Commercial Real EstateMix (% of Total CRE)

CRE Loan Volume and Mix Over Time

6M

Quarter

2018Q4

5M

4M

3M

2M

1M

4.2%

18.3%

Metrics

1-4 Family Const. Multifamily Non Owner Occupied Owner Occupied Land Development

1.2%

2013Q4

2014Q1

2014Q2

2014Q3

2014Q4

2015Q1

2015Q2

2015Q3

2015Q4

2016Q1

2016Q2

2016Q3

2016Q4

2017Q1

2017Q2

2017Q3

2017Q4

2018Q1

2018Q2

2018Q3

2018Q4

CRE Subsets as % of Tier 1 Capital + ALLL

41.6%

Quarter

2018Q4

Construction

Multifamily

Non Owner Occupied

34.7%

100%

80%

60%

40%

20%

20%

13%

1%

CRE Qtr

For the chart showing CRE subsets as a percentage of capital, construction loans include both 1-4 family construction and other construction and land development loans. Owner occupied CRE loans are not included in this chart. Keep in mind that Land Development loans have the highest historical loss rates of any loan type.

2018Q4

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