BAS Sept 2022 Case Study

FDIC Certificate # OCC Charter # 0 Public Report

SUNNY STATE BANK Balance Sheet $--Page 4

12/31/2018

12/31/2017

12/31/2016

12/31/2015

12/31/2014

1 Quarter

1 Year

Assets: Real Estate Loans Commercial Loans Individual Loans Agricultural Loans Other Loans & Leases LN&LS Allowance Unearned Income

35,957 3,841 5,039

35,575 4,139 5,687

33,612 5,551 5,673 1,252

33,037 5,283 4,589 1,388

31,128 5,606 3,652 1,131

-0.78 -0.13 -7.42 11.92 1.31 N/A 0.81 -0.56 -8.39 N/A N/A N/A 2.90 N/A N/A -2.11 -0.23

1.07 -7.20 -11.39 5.48 N/A 0.97 -6.62 -11.42 8783.33 21.25

385

365

1,066

12

28

48

90

2633.33

388

320

352

317

404

0

0

0

0

0

Net Loans & Leases

45,900 19,994 4,606

45,458 21,411 5,200

45,764 21,056 4,774

44,028 20,562 4,878

41,203 19,824 8,039

U.S. Treasury & Agency Securities Municipal Securities Foreign Debt Securities All Other Securities HTM Securities Allowance Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Nonint Cash & Due From Banks Premises, Fix Assts, Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs Acceptances & Oth Assets Total Investments Total Earning Assets All Now & ATS Accounts Money Market Deposit Accounts Other savings Deposits Time Deps At Or Below Insurance Limit Less: Fully Insured Brokered Deposits Fully Insured Brokered Deposits Time Deps Above Insurance Limit Deposits in Foreign Offices Federal Funds Purch & Resale Fed Home Loan Bor Mat < 1 Year Fed Home Loan Bor Mat > 1 Year Oth Borrowing Mat < 1 Year Oth Borrowing Mat > 1 Year Subordinated Notes & Debentures Acceptances & Other Liabilities Total Liabilities (Incl Mortg) Total Bank Capital & Min Int Total Liabilities & Capital Memoranda: Officers, Shareholder Loans (#) Officers, Shareholder Loans ($) Held-to-Maturity Securities Available-for-Sale Securities Core Deposits Total Deposits Total Assets Average Assets During Quarter Liabilities: Demand Deposits

0 0

0 0

0 0

0 0

0 0

N/A N/A N/A N/A N/A

N/A

N/A

N/A 206

N/A

N/A

71

2,373

56

53

-97.01

0 0

0 0

0 0

0 0

1,533

0

24,671 70,571

28,984 74,442

26,036 71,800

25,496 69,524

29,449 70,652

-14.88 -5.20 -14.79 -3.93 67.51 N/A N/A 3.75 -4.51 -5.38 -30.93 -3.29 -15.84 N/A -3.40 N/A -18.97 N/A -3.73 13.30 -50.00 0.00 9.03 3.21

2,403 4,153 1,057

2,820 4,323

3,121 4,526

2,586 4,137

3,383 3,284

6.52 -1.02 153.48

631

711

996

673

0 0

0 0

0 0

0 0

0 0

N/A N/A

4,039 82,223 80,935

3,893 86,109 85,540

4,007 84,165 81,951

3,736 80,979 80,368

3,794 81,786 82,696

-2.56 0.58 -2.35

9,535 24,374 3,069 19,295 9,773

8,745 23,617 4,443 19,952 11,612

8,486 22,026 5,341 19,343 13,745

8,444 18,629 4,326 18,897 16,264

9,224 18,427 4,857 15,825 18,456

-1.68 -6.09 -6.58 -2.53 -9.88 N/A -5.07 N/A 0.17 N/A -4.98 N/A N/A N/A 6.27 0.36 3.35 0.58 -1.48 N/A -2.13 N/A N/A N/A 0.82 N/A -33.33 884.01

0

0

0

0

0

66,046

68,369

68,941

66,560

66,789

0

0

0

0

0

1,209

1,492

1,577

1,036

2,116

N/A

N/A

N/A

N/A

N/A

67,256 4,123 1,000 2,000

69,861 3,639 2,000 2,000

70,519 1,238 1,000 3,000

67,596

68,905

443

0

3,000 1,000

3,000 1,000

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

N/A N/A N/A

1,610 75,989 6,234 82,223

2,092 79,592 6,517 86,109

1,732 77,489 6,676 84,165

1,821 73,860 7,119 80,979

1,777 74,682 7,104 81,786

-23.04 -4.53 -4.34 -4.51

0

0

0

0

0

266

240

244

248

251

10.83 N/A -7.56 N/A N/A N/A 1.11

0

0

0

0

0

24,600

26,611

25,830

25,440

27,863

All Brokered Deposits LN&LS in Foreign Offices Loans Held for Sale Loans not Held for Sale

0

0

0

0

0

N/A

N/A

N/A

N/A 270

N/A

0

0

0

0

46,288

45,778

46,116

44,075

41,607