Bank Analysis School Case Study

IRRSA 4.1.2

Core Analysis: Summary Su nn y S tate Bank

12/31/20 X 5 Benchmark

5/4/20 X 2

4/18/20 X 1

Pct 8/29/20 X 3

9/9/20 X 0

Flag

Peer

Ratings

�

222312/2

222312/2

222312/2

222311/2

CAMELS Rating SCOR Sensitivity to Market Risk Rating

2.13

1.97

1.95

1.97

Under 2.6

1.99

12/31/20 X 5 Benchmark

Pct 12/31/20 X 4

12/31/20 X 3 12/31/20 X 2 12/31/20 X 1

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Peer

General Information

82,223

84,165

80,979

81,786

86,109

Total Assets($000s) Tier 1 Leverage Capital Ratio

8.17% Over 8.00%

8.88%

8.55%

10.71% 14

8.44%

7.69%

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Over 1%

0.33%

-0.04%

0.07%

0.43%

0.48%

3-Year Average Return on Assets Tier 1 Risk Based capital Ratio Net Interest Income(TE) to Avg. Earning Assets(NIM) Market Proxy: Federal Funds Notional Amount of Off-Balance Sheet Derivatives($000s)

14.52%

25

15.78%

14.58%

13.62% Over 6.00%

16.57%

3.95% 29

3.74%

3.63%

3.85%

3.87%

3.91%

2.22%

1.20%

0.10%

0.45%

0.19%

At 0

0

0

0

0

0

12/31/20 X 5 Benchmark

Pct 12/31/20 X 4

12/31/20 X 3 12/31/20 X 2 12/31/20 X 1

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Peer

Key Earning Asset Ratios

� � �

Under 30%

64.29%

59.94%

68.84%

65.54%

66.01%

Long-Term Assets to Total Assets Mortgage Prepayment Exposure Structured Notes to Tier 1 capital Securities Apprec./Deprec. to Tier 1 capital Loans and Securities Repricing in More than 3 years to Tier 1 Capital

47.99%

45.79%

45.72%

Under 30%

40.94%

48.71%

Under 25%

3.20% 95

45.54%

45.69%

43.47%

28.29%

21.02%

-7.03% -10.32%

-13.01%

-1.58%

0.61%

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903.19% Under 500%

947.69%

853.95%

828.13%

843.39%

12/31/20 X 5 Benchmark

Pct 12/31/20 X 4

12/31/20 X 3 12/31/20 X 2 12/31/20 X 1

Flag

Peer

Key Funding Ratios

62.11%

62.72% 66

68.44%

Over 30%

65.91%

65.58%

59.10%

Non-Maturity Deposits(% of TA) Wholesale Funding(% of TA) Wholesale Funding Including Listing Services(% of TA) Uninsured Deposit(% of TA) Est. Uninsured Deposit(% of Est. Unencumbered Marketable Securities) Large Deposits: >$250K(% of TA) Large Deposits: >$250K(% of Est. Unencumbered Marketable Assets)

6.22%

4.89%

5.49%

8.66% Under 25%

8.87%

Under 25%

8.87%

6.22%

4.89%

5.49%

8.66%

5.25%

9.12% Under 25%

8.35%

6.32%

7.69%

29.44%

19.41%

29.26%

37.66% Under 100%

18.05%

16.72% Under 35%

16.41%

17.19%

15.60%

13.89%

54.70%

69.03% Under 175%

65.84%

46.87%

51.40%

12/31/20 X 5 Earnings Flag AOCI Flag EVE Flag Pct 9/30/20 X 5 6/30/20 X 5 3/30/20 X 5 12/30/20 X 4

Offsite Capital Markets Monitoring

IRR Tool Ranking

1.61

1. Highest

1. Highest

1. Highest

1. Highest

2. Significant

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