BAS Presentations - March 2023

Construction Loans have the Highest Historical Loss Rate

Average Net Loss as Percent of Loan Balances (2007 ‐ 2022)

1.5%

1.36%

1.0%

0.68% 0.63%

0.5%

0.30% 0.28% 0.23%

0.13%

Construction Commercial

1 ‐ 4 Family Non ‐ Farm Non Res.

Multifamily Ag Production Farmland

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Sunny State Bank Loan Mix

• Chart is from Depository Deep Dive • Source data UBPR page 7A

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