BAS Case Study - March 2023

Sunny State Bank

LOSS RATE BY LOAN TYPE

Construction Loans

CRE (Non-Construction)

Commercial

4.75%

2.03%

3.50%

5.00%

3.47%

2.00%

(All)

4.00%

3.00%

1.60%

2013Q4

3.00%

2.50%

2014Q1

1.20%

2.00%

2.00%

2014Q2

1.00%

1.50%

0.80%

2014Q3

0.00% 0.00%

1.26%

0.00%

0.00%

2014Q4

1.00%

0.00%

0.40%

0.37%

(1.00%)

2015Q1

0.50%

0.47%

0.00%

(1.22%)

0.00%

2015Q2

0.00%

0.00%

0.00%

(0.03%)

(2.00%)

2015Q3

2015Q4

2013Q4

2014Q4

2015Q4

2016Q4

2017Q4

2018Q4

2013Q4

2014Q4

2015Q4

2016Q4

2017Q4

2018Q4

2013Q4

2014Q4

2015Q4

2016Q4

2017Q4

2018Q4

1-4 Family

Consumer

Agricultural

2016Q1

0.35%

2.80%

(0.05%) 0.00% 0.05% 0.10% 0.15% 0.20% 0.25% 0.30% 0.35% 0.40%

2016Q2

2.76%

0.40% 0.80% 1.20% 1.60% 2.00% 2.40%

2016Q3

0.30%

2016Q4

0.25%

2017Q1

0.21%

0.20%

2017Q2

0.15%

2017Q3

0.44% 0.43%

0.61%

0.10% 0.09%

0.10%

2017Q4

0.00%

0.00% 0.00% 0.00%

0.27%

(0.40%) 0.00%

0.05%

2018Q1

(0.17%)

0.00%

0.00%

2018Q2

2018Q3

2018Q4

2013Q4

2014Q4

2015Q4

2016Q4

2017Q4

2018Q4

2013Q4

2014Q4

2015Q4

2016Q4

2017Q4

2018Q4

2013Q4

2014Q4

2015Q4

2016Q4

2017Q4

2018Q4

■ Bank

■ State

■ All Banks