BAS September 2022 Presentations

Classification Amounts Feed into the Adversely Classified Items Coverage Ratio

Sunny State Bank

Adverse classification / Tier 1 Capital and ALLL

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The “Texas” Ratio also Measures Problem Assets

Past Due a.k.a. Non ‐ Current (over 30 days late) Nonaccrual (generally over 90 days PD) Troubled Debt Restructurings (loan term accommodations) Other Real Estate Owned (repossessed property)

“Texas” Ratio includes these balances divided by equity capital and the ALLL. Labeled on Page 1 of the UBPR.

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