2019 Beginning Financial Statement Package (BFSP) · 2019. 4. 3. · Statement Package (BFSP) "Bank...

35
www.gsblsu.org/senior Document #3 Bank Management Simulation (BMSim) 2019 Beginning Financial Statement Package (BFSP) "Bank Management Simulation" is copyrighted by the BMSim Users Group and may not be used without written permission of the BMSim Users Group. The Graduate School of Banking at LSU owns a perpetual license to this software product. r 1 This will often be referred to as the "Starting Point"

Transcript of 2019 Beginning Financial Statement Package (BFSP) · 2019. 4. 3. · Statement Package (BFSP) "Bank...

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www.gsblsu.org/senior Document #3

Bank Management Simulation (BMSim)

2019 Beginning Financial Statement Package (BFSP)

"Bank Management Simulation" is copyrighted by the BMSim Users Group and may not be used without written permission of the BMSim Users Group.

The Graduate School of Banking at LSU owns a perpetual license to this software product. r 1

This will often be referred to as the "Starting Point"

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Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank Financial Reports

For Quarter Ending Dec 31, 2021

B1: Balance Sheet -- Page 2 B2: Income Statement -- Page 3 B21: Community Balance Sheets -- Page 4 B22: Community Income Statements -- Page 5

B000 Bank S1 --- ---

B102: Security Portfolio -- Page 6 B104: Security Maturities and Portfolio Activity -- Page 8 B108: Financial Markets -- Page 9

B202: Loan Activity -- Page 10 B204: Scheduled Loan Maturities -- Page 11 B205: Loan Credit Quality -- Page 12 B206: New Loan Credit Quality -- Page 13 B208: Interest Income and Average Rates -- Page 14 B210: Community Loan Information -- Page 15 B260: Loan Profitability Analysis -- Page 16 B262: Loan Losses, Loan Reviews, and Loan Profitability Page 17 B275: Mortgage Banking, Loan Sales, and Servicing Portfolio -- Page 18

B401: Core Deposit Balances and Activity -- Page 19 B421: Retail Certificates -- Page 20 B423: Retail Certificates -- Maturing Amounts and Average Rates -- Page 21 B450: Community Deposit Markets -- Page 22 B460: Deposit Cost Analysis -- Page 23

B501: Summary of Purchased Funds -- Page 24 B502: Summary of Federal Home Loan Bank Borrowing -- Page 25 B506: Purchased Funds Portfolio Listing -- Page 26 B530: Interest Rate Sensitivity and Liquidity: Assets -- Page 27 B531: Interest Rate Sensitivity and Liquidity: Liabilities and SUMMARY -- Page 28 B550: Bank Capital Markets -- Page 29

B600: Salary Budget Requests (in Thousands) -- Page 30 B601: Premises Accounting and Utilization -- Page 31 B602: Funds Profitability Analysis -- Page 32

B900: Economic Report Summary -- Page 33 B901: Economic History and Competitive Rates -- Page 34

Version Release Date: Aug 28, 2018

Financial Reports; Bank S1 --- B000 - Page 1

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B001 - Bank S1 Balance Sheet

As of End of Fourth Quarter, 2021

Assets 12/31/21 For Quarters

9/30/21 Ending

6/30/21 3/31/21

Cash Items Federal Funds Sold Securities

40.313 0

72.645

40.292 0

65.029

38.634 0

52.445

36.467 0

37.689 US Government 47.774 37.609 22.445 22.689 State and Local 15.000 15.000 15.000 15.000 Mortgage-Backed 9.871 12.419 15.000 0 Other Securities 0 0 0 0

Loans (Net) 586.669 579.930 575.523 580.969 Business 252.417 250.927 254.130 242.165 Real Estate 260.482 246.941 234.976 247.577 Consumer 77.652 85.700 90.234 95.961 Other 0 0 0 0 Loan Loss Reserve -3.883 -3.638 -3.817 -4.733

Premises (Net) 10.084 10.619 11.153 11.688 Other Assets 28.905 29.224 28.898 28.043

Total Assets 738.616 725.094 706.654 694.855

Liabilities & Equity

Demand Deposits 132.418 129.528 124.263 116.225 Business 97.155 94.165 88.124 80.081 Public 25.023 25.501 25.412 24.298 Individual 10.240 9.861 10.727 11.846

Interest-Bearing Chkg 73.424 75.770 70.626 67.115 Savings Deposits 61.782 60.202 56.457 54.249 Money Market Accounts 131.918 132.224 129.238 123.940 Time Deposits 154.115 145.905 144.401 142.061

Jumbo CDs 31.500 13.500 3.000 3.000 Public Time 0 0 0 0 Retail Certificates 122.615 132.405 141.401 139.061 Other Time 0 0 0 0

Total Deposits 553.657 543.629 524.986 503.590

Borrowed Funds 113.853 108.989 108.214 117.717 Other Liabilities 24.389 24.978 24.606 23.640 Long-Term Debt 0 0 0 0 Subordinated Debt 0 0 0 0 Owners Equity 46.717 47.498 48.848 49.908

Total Liabilities & Equity 738.616 725.094 706.654 694.855

Balance Sheet; Bank S1

B001 --- Page 2

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3/31/21

9.225 8.812 3.572 3.455 1.784

0 .231 .182

0 0

3.667 .110 .121 .424 .035

0 1.799

0 1.178

0

0

5.558

1.944 .045 .500

6.496 4.454 1.157 .344 .541

.550 -.444

0

.107 .11

1.00 B002 - Page 3

Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank Income Statement

As of End of Fourth Quarter, 2021

--- B002 --- Bank S1

Year to Date For Quarters Ending 9/30/21 6/30/21 2020 2021

37.395 35.277 14.949 13.896 6.433

0 1.390 .728

0 0

16.161 .890 .781

2.327 .587

0 7.224

0 4.353

0

0

21.234

8.013 .189

3.350

26.109 17.924 4.629 1.374 2.182

-.023 -.444 -.237

-.230 -.23 3.85

Interest Income Loans Business Real Estate Consumer Other

Securities - Taxable Securities - Tax Exempt Federal Funds Sold Other Interest Income

Interest Expense Interest-Bearing Chkg Savings Accounts Money Market Accounts Jumbo CDs Public Time Retail Certificates Other Time Borrowed Funds Long-Term Debt

Net Income .074 Earnings Per Share .07 Dividends Per Share .86

12/31/21

9.896 9.231 3.928 3.830 1.473

0 .484 .182

0 0

4 528 .298 .266 .698 .364

0 1.816

0 1.086

0

0

5.368

2.132 .047

1.150

6.560 4.512 1.157 .344 .547

-.163 0

-.237

43.610 41.949

15.520 17.259 9.170

0 .934 .728

0 0

19.156 .924 .697

2.710 2.425 .780

8.054 0

3.565 0

0

24.453

8.506 .069

2.500

24.927 16.858 4.629 1.357 2.084

5.601 4.722 2.032

8.291 8.29 3.85

Net Interest on Swaps

Net Interest Income

Fees and Service Charges Other Income Loan Loss Provision

Operating Expenses Salaries and Benefits Occupancy Expenses Advertising - Promotion Other Operating Expenses

Operating Earnings Gains, Losses on Assets Income Taxes

Income

9.350

8.924

8.770

8.464

3.811

3.637

3.404

3.207

1.556

1.619

0

0

.397 .278

.182 .182

0

0

0

0

4.277

3.688

.292 .189

.255 .138

.690 .515

.154 .035

0

0

1.823

1.785

0

0

1.063

1.026

0

0

0 0

5.073

5.236

1.968

1.969

.048 .049

.900 .800

6.539

6.514

4.490

4.467

1.157

1.157

.344 .344

.548 .546

-.350 -.060 0 0

0 0

-.350 -.060

-.35 -.06

1.00

1.00

Statement; Bank S1

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Fri Jan 18 14:20:45 2019

For Quarters Community Ending

12/31/21

Balance Sheets Dec 31, 2021 and 9/30/21

--- B021 - Community "S"

Quarter Ending 9/30/21 For Ending Quarter For Assets Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Bank 6 Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Bank 6

Cash Items 40.3 40.3 Federal Funds Sold 0 0 Securities 72.6 65.0

Business Loans 252.4 250.9 Real Estate Loans 260.5 246.9 Consumer Loans 77.7 85.7 Total Loans (Net) 586.7 579.9

Premises (Net) 10.1 10.6 Other Assets 28.9 29.2

Total Assets 738.6 725.1

Liab & Equity -- Demand Deposits 132.4 129.5 Int-Bearing Chkg 73.4 75.8 Savings Accounts 61.8 60.2 Money Market Accts 131.9 132.2

Retail Certificates 122.6 132.4 Other Time Deposits 31.5 13.5 Total Deposits 553.7 543.6

Borrowed Funds 113.9 109.0 Other Liabilities 24.4 25.0 Long-Term Debt 0 0 Subordinated Debt 0 0 Owners Equity 46.7 47.5

Total Liab & Eqty 738.6 725.1

Net Liq Assets / TA -6.9 -9.8 Loans / Deposits 106.7 107.3 Fed Fds Pur / Eqty 179.5 188.4

Core Dep / Tot Dep 94.3 97.5 Earn. Assets / TA 89.3 88.9 Int Bear Liab / TA 72.4 72.1

Loss Res / Loans .7 .6 Non-Perf / Loans 2.0 1.8 Chg Off / Avg Loans .2 .2 Loss Res / Non-Perf 33.5 34.1

Community Balance Sheets; Community "S" --- B021 --- Page 4

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Fri Jan 18 14:20:45 2019 --- B022 --- Community "S" Community Income Statements

For Quarter Ending Dec 31, 2021

For Quarter Ending 12/31/21

Interest Income

Loans Securities: Txble

Tax-Exempt

Fed Funds Sold Other Interest

Interest Expense IBC, Sav, Mny Mkt Retail Certificates Other Time Dep.

Borrowed Funds Long-Term Debt

Bank 1

9.9 9.2 .5 .2

0 0

4.5 1.3 1.8 .4

1.1 0

Bank 2 Bank 3 Bank 4 Bank 5 Bank 6 Bank 1

37.4 35.3 1.4 .7

0 0

16.2 4.0 7.2 .6

4.4 0

Year To Date 12/31/21 Bank 2 Bank 3 Bank 4 Bank 5 Bank 6

Net Interest-Swaps 0 0

Net Interest Income 5.4 21.2

Fees, Svc Chgs,Other 2.2 8.2 Total NII & Fees 7.5 29.4

Loan Loss Provision 1.2 3.4 Operating Expenses 6.6 26.1

Operating Earnings -.2 .0

Gains/Loses-Assets 0 -.4 Income Taxes -.2 -.2

Net Income .1 -.2

TE Int Rev / Avg EA 6.10 5.92 Int Exp / IBL 3.42 3.13

Spread 2.68 2.79 TE Net Int Margin 3.32 3.38

ChgOff / LnLossProv 79 131 Non-Int Inc / NIIF 29 28 Efficiency Ratio 87 89

OperEarn / AvgTotAs -.09 .00 Net Inc / Avg TotAs .04 -.03 Net Inc / AvgEquity .63 -.47

Community Income Statements; Community "S" B022 --- --- Page 5

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B102 --- Bank S1 Security Portfolio

As of End of Fourth Quarter, 2021

Coupon / Taxable Security Number Value Gain or Maturity Purchase Equivalent Yield to

Par I Market I Book Loss (Quarters) Rate Coupon Maturity Duration

Bills: 128 15 14.873 14.898 -.025 1 2.76 3.42 1

Total: 15 14.873 14.898 -.025

Strips: 126 8 7.861 7.875 -.014 2 3.20 3.51 2

Total: 8 7.861 7.875 -.014

Bonds: 129 15 14.947 15.000 -.053 3 3.20 3.68 3 130 10 9.997 10.000 -.003 1 3.46 3.59 1

Total: 25 24.943 25.000 -.057

Municipal Bonds - Bank Qualified: 106 5 5.063 5.000 .063 2 5.50 6.83 2.93 2 107 5 5.084 5.000 .084 52 4.25 5.25 4.08 40 108 5 5.372 5.000 .372 74 4.80 5.95 4.22 50

Total: 15 15.519 15.000 .519

Mortgage-Backed: 127 10 9.735 9.871 -.136 3 2.93 3.75 2

Total: 10 9.735 9.871 -.136

Swaps - Fixed:

Total: 0 0 0 0

Swaps - Variable:

Total: 0 0 0 0

Grand Total: 73 72.932 72.645 .287

Number of Issues currently held: 8 The Maximum is 64.

Security Portfolio; Bank S1 --- B102 - Page 6

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Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank Security Portfolio

As of End of Fourth Quarter, 2021

--- B102 --- Bank S1

Security ID Beginning of Quarter Sales

Maturity Amount Gain or Loss Per Cent of Holding -- Beginning of Quarter Purchases --- Security ID Maturity Amount

130 10 2

Security Portfolio; Bank S1 --- 8102 --- Page 7

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B104 - Bank S1

Maturities --- ---

Security

Bills

Maturities As of End of

Strips

and Portfolio Fourth Quarter,

Bonds

Activity 2021

Munis Bank Qual

Mortgage Backed

(Book Value)

Quarters Total to Maturity

Maturing 2.5 0 0 0 0 2.5

1 Qtr 27.4 14.9 0 10.0 0 2.5 2 15.3 0 7.9 0 5.0 2.5 3 17.4 0 0 15.0 0 2.4 4 0 0 0 0 0 0

6 0 0 0 0 0 0 8 0 0 0 0 0 0 12 0 0 0 0 0 0 20 0 0 0 0 0 0 32 0 0 0 0 0 0

Over 32 10.0 0 0 0 10.0

Total 72.6 14.9 7.9 25.0 15.0 9.9

--- --- Portfolio Activity (Book Value)

Total Bills Strips Bonds Munis Mortgage Bank Qual Backed

Beginning Balance 65.0 14.8 7.8 15.0 15.0 12.4

Less: Matured 0 0 0 0 0 0 Payments 2.5 2.5 Sales (*) 0 0 0 0 0 0

Plus: Interest Accrued .2 .1 .1 0 0 0 Purchases 10.0 0 0 10.0 0 0

Ending Balance 72.6 14.9 7.9 25.0 15.0 9.9

* Gain/Loss(-) 0 0 0 0 0 0

Security Maturities and Portfolio Activity; Bank S1 --- B104 --- Page 8

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Fri Jan 18 14:20:45 2019 Financial Markets

At End of Fourth Quarter, 2021

--- B108 "S" - Community

Funds Rates Q4/21 Q3/21 Corporate Rates Q4/21 Q3/21 Income Tax Rate

Discount Rate 3.42 3.24 Prime 5.76 5.66 Q4/21 21% Repurchase Agreements 3.32 3.14 CPR 3.54 3.41 Q3/21 21% Federal Funds 3.61 3.40 Bonds

AAA 4.76 4.67 LIBOR 3.43 3.28 AA 4.96 4.86

A 5.15 5.05 Bills BBB 5.45 5.32

BB 5.84 5.70 1 Quarter 3.42 3.24 B 6.33 6.16 2 3.47 3.32 3 3.54 3.41 4 3.62 3.50

Strips US Bonds Mortgage-backed Swaps - Fixed Q4/21 Q3/21 Q4/21 Q3/21 Q4/21 Q3/21 Q4/21 Q3/21

1 Quarter 3.42 3.24 3.59 3.40 3.66 3.48 N/A N/A 2 3.47 3.32 3.63 3.46 3.69 3.52 4.14 3.97 3 3.54 3.41 3.68 3.52 3.72 3.57 4.19 4.04 4 3.62 3.50 3.73 3.58 3.76 3.61 4.25 4.10 6 3.72 3.61 3.84 3.71 3.93 3.79 4.37 4.24 8 3.83 3.73 3.93 3.80 3.99 3.86 4.47 4.34 16 4.06 3.95 4.14 4.03 4.40 4.29 4.72 4.61 32 4.18 4.08 4.30 4.20 4.59 4.49 4.96 4.86 40 4.21 4.11 4.34 4.24 4.64 4.54 5.04 4.94 60 4.24 4.14 4.40 4.30 4.72 4.62 5.20 5.10 80 4.26 4.16 4.43 4.33 4.77 4.67 5.33 5.23 120 4.27 4.17 4.46 4.36 4.81 4.71 N/A N/A

Bank Qualified Tax Exempt Securities Available : ( A maximum of 5 million dollars each issue )

Maturity in Quarters 16 Coupon rate : 3.42 Taxable Equivalent Coupon : 4.20

Financial Markets; Community "S" --- B108 - Page 9

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B202 - Bank S1 Loan Activity

National Corporate

Balance Last

Quarter New Loans

For Quarter

Credit Line Draws

Ending Dec

Repaid and

Matured

31, 2021

Loans Sold

Charge Offs

Ending Balance

$ $ Credit Lines 44.8 5.6 .0 3.3 0 1 46.987 Term 20.4 2.0 0 2.3 0 0 20.089

Middle Market Credit Lines 49.4 6.1 .4 8.1 0 0 47.834 Term 30.8 3.6 0 2.5 0 0 31.814

Small Business Credit Lines 51.6 6.2 .8 10.8 0 .2 47.753 Term 32.0 5.7 0 1.4 0 .1 36.284

Trade Finance 22.1 5.5 .3 6.2 0 .1 21.658

Total Business 250.9 34.6 1.5 34.7 0 .5 252.417

Real Estate Construction 64.7 8.4 16.2 25.3 0 0 64.029 Commercial 30.4 2.0 0 1.3 0 .1 30.967 Multi-family 8.4 1.6 0 .1 0 0 9.963 1-4 Family

Fixed Rate 11.1 5.2 0 1.3 0 .0 15.014 Var Rate 46.2 1.2 0 .7 0 .0 46.761

Home Equity 86.1 8.2 5.3 5.9 0 .0 93.749

Total Real Estate 246.9 26.7 21.5 34.5 0 .2 260.482

Consumer Personal 36.3 4.9 0 10.3 0 .1 30.887 Credit Card 24.1 5.2 5.4 10.5 0 .1 24.252 Installment 25.3 6.2 0 8.9 0 .1 22.513

Total Consumer 85.7 16.3 5.4 29.7 0 .3 77.652

Total 583.6 77.6 28.5 98.9 0 .9 590.552

Loan Commitments Beginning New Expired Ending Usage ( National Corporate Credit Lines 103.1 12.4 7.3 108.0 43.5 Middle Market Credit Lines 107.6 13.6 17.5 103.7 46.1 Small Business Credit Lines 107.9 12.4 21.8 98.5 48.5 Trade Finance Credit Lines 47.4 10.9 12.9 45.5 47.6 Construction 104.4 32.8 25.3 111.9 57.2 Home Equity 185.2 14.9 0 200.1 46.9 Consumer Credit Card 59.0 10.4 10.0 59.5 40.8

Loan Activity; Bank S1 --- B202 - Page 10

% )

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Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank Scheduled Loan Maturities

As of End of Fourth Quarter, 2021

--- B204 --- Bank S1

Amount Maturing Within

National Corporate

1 Qtr 2 Qtr 3 Qtr 4 Qtr Total 1 Year 6 Qtr 2 Years 3 Years 5 Years

Over 5 Years

$ $ $ $ $ $ $ $ $ $

Credit Lines 3.5 3.2 9.3 6.2 22.3 9.1 6.5 9.1 0 0 Term 2.4 2.4 1.4 1.4 7.8 2.5 2.1 4.1 3.6 0

Middle Market Credit Lines 6.7 10.0 8.3 7.1 32.2 7.7 8.0 0 0 0 Term 1.7 1.7 1.7 1.7 6.6 3.3 3.3 6.6 10.5 1.5

Small Business Credit Lines 8.9 9.8 10.1 6.5 35.2 6.0 6.4 0 0 0 Term 1.9 1.9 1.9 1.9 7.5 3.7 3.7 7.5 10.9 2.7

Trade Finance 5.1 5.7 5.3 5.5 21.6 0 0 0 0 0

Total Business 30.2 34.6 38.0 30.3 133.1 32.3 30.0 27.2 25.0 4.2

Real Estate Construction 22.5 16.4 9.9 8.2 57.0 6.5 0 0 0 0 Commercial .3 .3 .3 .3 1.1 .5 .5 3.6 11.2 13.5 Multi-family .1 .1 .1 .1 .3 .2 .2 .8 4.0 4.3 1-4 Family Fixed Rate .9 .8 .3 .3 2.3 .6 .6 1.1 2.0 8.3 Var Rate .5 .5 .5 .5 2.0 1.0 1.1 2.2 4.7 35.7

Home Equity 6.1 14.8 6.1 6.1 33.0 12.2 12.2 22.2 14.3 0

Total Real Estate 30.3 32.8 17.1 15.5 95.7 21.1 14.5 29.9 36.2 61.8

Consumer Personal 4.1 9.3 4.4 4.8 22.6 3.9 4.3 0 0 0 Credit Card 10.4 5.6 3.2 1.3 20.5 0 0 0 0 3.6 Installment 7.7 5.4 4.0 2.3 19.4 1.7 .9 .5 0 0

Total Consumer 22.2 20.3 11.7 8.4 62.5 5.6 5.1 .5 0 3.6

Total for Maturity 82.7 87.7 66.8 54.3 291.4 59.0 49.6 57.7 61.3 69.7

Scheduled Loan Maturities; Bank S1 --- B204 --- Page 11

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Fri Jan 18 14:20:45

National Corporate

2019

--- Total ---

2019 BMSim Loan Credit

For Quarter

Credit

Starting

Ending Dec

Quality

5

Quality Point Bank

31, 2021

B205 --- Bank S1 ---

Amnt - Avg CQ 1-2 3 4 6 Low Grade Non-Accrual Past-Due

% $ % $

Credit Lines 47.0 4.0 23.0 15.4 15.1 18.1 25.7 2.8 0 0 2.6 1.2 Term 20.1 3.3 37.9 13.6 27.7 1.7 16.6 2.5 0 0 2.5 .5

Middle Market Credit Lines 47.8 4.2 18.0 13.6 15.8 18.7 30.3 3.5 0 0 2.7 1.3 Term 31.8 4.3 17.7 14.9 13.8 17.5 33.6 2.5 0 0 2.5 .8

Small Business Credit Lines 47.8 4.4 16.8 10.7 10.7 21.3 38.9 1.3 .4 .2 .6 .3 Term 36.3 4.5 11.5 12.1 15.4 24.4 34.6 1.6 .5 .2 1.1 .4

Trade Finance 21.7 4.3 19.9 11.7 11.7 17.9 36.1 2.4 .4 .6 .1

Total Business 252.4 4.2 19.5 13.2 15.0 18.3 31.5 2.4 .2 .4 1.8 4.6

Real Estate Construction 64.0 3.9 24.0 17.2 16.4 14.9 23.7 3.0 .8 .5 2.0 1.3 Commercial 31.0 4.0 19.9 17.9 18.3 14.6 25.7 2.1 1.6 .5 2.1 .7 Multi-family 10.0 4.4 17.4 9.2 19.5 14.9 34.6 2.7 1.7 .2 2.7 .3 1-4 Family Fixed Rate 15.0 2.8 46.7 19.1 8.6 11.1 14.5 0 .0 1.4 .2 Var Rate 46.8 2.9 38.0 43.3 6.1 6.2 6.4 0 .0 .0 1.5 .7

Home Equity 93.7 3.5 35.1 16.2 11.6 18.4 18.2 .5 .0 .0 .7 .7

Total Real Estate 260.5 3.5 31.1 21.4 12.7 14.3 18.7 1.3 .5 1.2 1.5 3.8

Consumer Personal 30.9 3.6 36.0 10.1 10.0 15.7 27.2 .7 .3 .1 .6 .2 Credit Card 24.3 4.0 21.9 9.6 24.5 14.2 27.6 1.8 .4 .1 2.2 .5 Installment 22.5 4.0 26.0 10.6 10.5 17.3 33.9 1.4 .3 .1 2.6 .6

Total Consumer 77.7 3.8 28.7 10.1 14.7 15.7 29.3 1.3 .3 .3 1.7 1.3

Total 590.6 3.9 25.8 16.4 13.9 16.2 25.6 1.7 .3 1.9 1.6 9.7

Loan Credit Quality; Bank S1 --- B205 - Page 12

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B206 - Bank S1 New Loan Credit Quality

For Quarter Ending Dec 31, 2021

--- Total --- Credit Quality Low Turn-

Amnt - Avg CQ 1-2 3 4 5 6 Grade downs

$ $ $ $ $ $ $ $ National Corporate

Credit Lines 5.6 4.0 1.1 .9 .9 1.3 1.3 1 0 Term 2.0 3.3 .8 0 .8 0 .5 0 0

6.1 4.1 1.0 1.0 1.0 1.5 1.5 .1 0

3.6 4.1 .6 .6 .6 .9 .9 0 0

6.2 4.4 .9 .7 .7 1.7 2.0 .2 0

5.7 4.1 1.1 .7 .7 1.4 1.6 .1 0

5.5 4.2 1.1 .6 .6 1.4 1.6 .1 0

34.6 4.1 6.7 4.5 5.3 8.1 9.3 .7

8.4 4.3 1.4 1.0 1.0 2.3 2.4 .2 .3

2.0 4.1 .3 .3 .5 .4 .5 0 0

1.6 3.6 .3 .3 .4 .6 0 0 0

5.2 3.7 1.4 .8 .8 1.1 1.0 0 0

1.2 3.3 .5 0 .5 0 .3 0 0

8.2 3.9 2.1 1.0 1.0 1.9 2.1 .2 0

26.7 4.0 6.0 3.4 4.2 6.3 6.4 .4 .3

4.9 4.1 1.1 .6 .6 1.2 1.3 .1

5.2 4.1 1.1 .6 .6 1.3 1.4 .1 0

6.2 4.2 1.0 1.0 1.0 1.5 1.6 .1

16.3 4.1 3.2 2.2 2.2 4.0 4.4 .4 0

77.6 4.1 15.8 10.2 11.7 18.4 20.0 1.4 .3

Middle Market Credit Lines Term

Small Business Credit Lines Term

Trade Finance

Total Business

Real Estate Construction Commercial Multi-family 1-4 Family Fixed Rate Var Rate

Home Equity

Total Real Estate

Consumer Personal Credit Card Installment

Total Consumer

Total

New Loan Credit Quality; Bank S1 B206 --- Page 13

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B208 --- Bank S1 Interest Income and Average Rates For Quarter Ending Dec 31, 2021

National Corporate

Total for Quarter Q4/21

Intr Avg Avg

Inc Rate Bal

1 Intr Inc

Projected Interest Quarter Avg Avg Rate Bal

Income and Rate 2 Quarter

Intr Avg Avg

Inc Rate Bal

for 3

Intr Inc

Current Loan Quarter Avg Avg Rate Bal

Portfolio 4 Quarter

Intr Avg Avg

Inc Rate Hal

$ % $ % $ $ % $

Credit Lines .7 6.0 45.9 .7 6.1 45.2 .6 6.1 41.9 .5 6.1 35.6 .4 6.0 27.8 Term .3 5.3 20.2 .3 6.0 18.9 .2 5.3 16.4 .2 5.5 14.5 .2 5.5 13.0

Middle Market Credit Lines .8 6.3 48.6 .7 6.3 44.5 .6 6.3 36.1 .4 6.3 27.0 .3 6.4 19.2 Term .5 6.2 31.3 .5 6.7 31.0 .5 6.3 29.3 .4 6.3 27.7 .4 6.3 26.0

Small Business Credit Lines .8 6.3 49.6 .7 6.3 43.1 .5 6.3 33.8 .4 6.2 23.9 .2 6.2 15.6 Term .6 6.9 34.1 .6 7.0 35.2 .6 6.7 33.3 .5 6.7 31.4 .5 6.7 29.5

Trade Finance .3 6.4 21.8 .3 6.5 19.0 .2 6.5 13.6 .1 6.5 8.1 .0 6.4 2.7

Total Business 3.9 6.2 251.4 3.8 6.4 236.9 3.2 6.3 204.5 2.6 6.2 168.2 2.1 6.2 134.0

Real Estate Construction 1.1 7.2 64.1 .9 7.2 52.3 .6 7.1 32.8 .4 7.2 19.7 .2 7.1 10.6 Commercial .5 6.0 30.4 .5 6.5 30.4 .5 6.0 30.1 .5 6.0 29.8 .4 6.0 29.6 Multi-family .1 5.9 9.1 .1 5.9 9.7 .1 5.9 9.7 .1 5.9 9.6 .1 5.9 9.5 1-4 Family Fixed Rate .2 6.9 13.0 .2 6.5 14.6 .2 6.4 13.8 .2 6.1 13.2 .2 6.1 12.9 Var Rate .6 4.9 46.5 .6 4.8 46.2 .5 4.8 45.2 .5 4.8 44.1 .5 4.8 43.1

Home Equity 1.3 5.8 89.9 1.4 5.9 91.4 1.2 5.9 82.1 1.1 5.9 72.8 1.0 6.0 67.7

Total Real Estate 3.8 6.1 253.1 3.7 6.1 244.5 3.2 5.9 213.6 2.8 5.8 189.2 2.5 5.8 173.3

Consumer Personal .6 6.6 33.6 .5 6.6 28.7 .4 6.7 22.0 .3 6.8 15.2 .2 6.9 10.6 Credit Card .5 8.1 24.1 .4 8.4 19.0 .2 8.5 11.0 .1 8.9 6.5 .1 9.7 4.3 Installment .4 7.1 23.9 .4 7.9 18.6 .2 7.6 12.1 .1 7.4 7.4 .1 6.6 4.2

Total Consumer 1.5 7.2 81.5 1.2 7.5 66.3 .8 7.4 45.1 .5 7.4 29.1 .4 7.4 19.1

Total 9.2 6.3 586.1 8.8 6.4 547.7 7.2 6.2 463.2 5.9 6.1 386.4 4.9 6.1 326.4

Interest Income and Average Rates; Bank S1 --- B208 --- Page 14

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--- B210 --- Community "S" Fri Jan 18 14:20:45 2019 Community Loan Information

For Quarter Ending Dec 31, 2021

Page 15 --- B210 - Community Loan Information; Community "S"

Rates on New Loans By Bank 1 2 3 4 5 6

Estimated Development (in Thousands) or Origination Fees

1 2 3 4 5 6

National Corporate Credit Lines Term

Middle Market Credit Lines Term

Small Business Credit Lines Term

Trade Finance Credit Lines

Real Estate Construction Commercial Multi-family 1-4 Family

Fixed Rate Var Rate

Home Equity

Consumer Personal Credit Card Installment

Home Equity Credit Card

Credit Lines National Corp. Middle Market Small Business Trade Finance Construction

6.00 6.19

6.10 6.25

5.83 6.30

6.30

6.90 6.50 6.00

6.00 5.00 6.00

6.50 10.00 6.75

Annual Fees 1 2 3 4 5 6

$25 $20

0.5% 0.5% 1.0% 1.0% 1.0%

$20 1.5% 1.5%

$40 1.5% 1.5%

$40 1.5% 1.5%

$20 1.0%

$110 1.0% 1.0% 1.0%

1.0% 1.0% 1.0%

$60 1.0% 0.0% 0.0%

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B260 --- Bank S1 Loan Profitability Analysis

Average Balance

For Quarter

Income

Ending Dec 31, 2021

Net Earnings

Percntage of AvgBal Annulized

Interest Fees and Income Svc Chgs

Total Income Salaries

Expenses Business

Benefits Develop Total Expense

National Corporate $ $ $ $ $ $ $

Credit Lines 45.9 .691 .148 .839 .076 .021 .010 .107 .733 6.39 Term Loans 20.2 .266 .031 .296 .019 .005 .010 .035 .261 5.17

Middle Market Credit Lines 48.6 .766 .164 .930 .069 .019 .010 .098 .831 6.84 Term Loans 31.3 .487 .053 .540 .041 .011 .025 .077 .463 5.92

Small Business Credit Lines 49.7 .786 .174 .959 .094 .026 .010 .130 .829 6.68 Term Loans 34.2 .586 .085 .671 .076 .021 .025 .122 .548 6.42

Trade Finance 21.9 .347 .101 .449 .080 .022 .015 .117 .331 6.06

Operations .060 .017 .077 -.077

Total Business 251.7 3.928 .756 4.684 .515 .144 .105 .764 3.920 6.23

Construction 64.4 1.148 .183 1.331 .204 .057 .015 .276 1.055 6.56 Commercial 30.7 .453 .020 .474 .056 .016 .015 .086 .387 5.05 Multi-family 9.2 .134 .016 .150 .025 .007 .015 .047 .102 4.44 1-4 Family

Fixed Rate 13.0 .226 .052 .278 .044 .012 .020 .076 .202 6.19 Variable Rate 46.5 .565 .012 .578 .025 .007 .020 .052 .526 4.52

Home Equity 89.9 1.303 .106 1.410 .266 .074 .020 .360 1.049 4.67

Operations .150 .042 .192 -.192

Total Real Estate 253.7 3.830 .390 4.220 .770 .216 .105 1.091 3.129 4.93

Personal 33.6 .555 .049 .604 .048 .013 .020 .081 .524 6.23 Credit Card 24.2 .491 .246 .737 .282 .079 .020 .381 .356 5.89 Installment 23.9 .426 0 .426 .145 .041 .020 .206 .220 3.69

Operations .200 .056 .256 -.256

Total Consumer 81.7 1.473 .295 1.768 .675 .189 .060 .924 .844 4.13

Total Loans 587.1 9.231 1.441 10.672 1.960 .549 .270 2.779 7.893 5.38

Loan Profitability Analysis; Bank S1 --- B260 - Page 16

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B262 --- Bank S1 Loan Losses, Loan Reviews, and Loan Profitability

For Quarter Ending Dec 31, 2021

Average Balance

Per Net Cent

Earnings Avg Bal

Per Total Cent Chg Off Avg Bal

From Loan Reviews $Down $ Up Grade Grade

Net After Chg Off Review

Per Cent

Avg Bal $ Chg Off

Review Cost

National Corporate Credit Lines 45.9 .733 6.39 .066 .58 0 0 0 0 .667 5.81 Term Loans 20.2 .261 5.17 0 0 0 0 0 0 .261 5.17

Middle Market Credit Lines 48.6 .831 6.84 0 0 0 0 0 0 .831 6.84 Term Loans 31.3 .463 5.92 0 0 0 0 0 0 .463 5.92

Small Business Credit Lines 49.7 .829 6.68 .184 1.48 0 0 0 0 .645 5.19 Term Loans 34.2 .548 6.42 .131 1.53 0 0 0 0 .417 4.89

Trade Finance 21.9 .331 6.06 .084 1.54 0 0 0 0 .247 4.52

Operations -.077 -.077

Total Business 251.7 3.920 6.23 .465 .74 0 0 0 0 3.455 5.49

Construction 64.4 1.055 6.56 0 0 0 0 0 0 1.055 6.56 Commercial 30.7 .387 5.05 .116 1.52 0 0 0 0 .271 3.53 Multi-family 9.2 .102 4.44 0 0 0 0 0 0 .102 4.44 1-4 Family

Fixed Rate 13.0 .202 6.19 .001 .03 0 0 0 0 .201 6.15 Variable Rate 46.5 .526 4.52 .005 .05 0 0 0 0 .520 4.48

Home Equity 89.9 1.049 4.67 .031 .14 0 0 0 0 1.018 4.53

Operations -.192 -.192

Total Real Estate 253.7 3.129 4.93 .154 .24 0 0 0 0 2.975 4.69

Personal 33.6 .524 6.23 .090 1.08 0 0 0 0 .433 5.15 Credit Card 24.2 .356 5.89 .114 1.89 0 0 0 0 .242 4.01 Installment 23.9 .220 3.69 .082 1.38 0 0 0 0 .138 2.31

Operations -.256 -.256

Total Consumer 81.7 .844 4.13 .287 1.40 0 0 0 0 .557 2.73

Total Loans 587.1 7.893 5.38 .906 .62 0 0 0 0 6.988 4.76

Loan Losses, Loan Reviews, and Loan Profitability; Bank S1 --- B262 --- Page 17

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Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank Mortgage Banking, Loan Sales, and Servicing Portfolio

For Quarter Ending Dec 31, 2021

--- B275 --- Bank S1

Loan Servicing Portfolio Loan Type

Beginning Balance

Sales in Quarter

Loan Payments

Ending Balance

Average Maturity Income

Servicing Expense Net

Small Business - Term 5.316 0 .360 4.956 18 .003 .002 .001 Commercial Real Estate Multi-Family Residential 13.080 0 .164 12.916 24 .008 .003 .005 1-4 Family - Fixed 15.248 0 .452 14.796 90 .009 .006 .003 1-4 Family - Variable Mortgage Banking 43.545 0 1.015 42.530 115 .026 .016 .010

Total 77.190 0 1.991 75.198 .047 .028 .019

Loan Sales Current Quarter Type Book Value Sale Amount Gain or Loss

Small Business - Term Commercial Real Estate Multi-Family Residential 1-4 Family - Fixed 1-4 Family - Variable

Total

Loan Packages Available for Sale Sale Code Type

Book Value

Market Value

Gain -Loss

Book Yield

Market Yield

Credit Quality

Average Maturity

Avg Rate Adjustment

Period 201 Small Business Term 6.886 6.567 -0.318 5.71 5.99 1.9 23 24.0 205 Commercial Real Estate 9.955 9.936 -0.019 5.61 5.61 2.2 27 4.0 207 Commercial Real Estate 9.933 9.879 -0.054 6.19 6.23 4.8 28 4.0 208 Commercial Real Estate 4.894 4.875 -0.019 6.29 6.32 4.9 22 4.0 209 Multi-Family Residential 2.643 2.625 -0.019 5.46 5.49 1.8 30 10.0 211 Multi-Family Residential 4.189 4.108 -0.081 5.89 6.01 4.6 29 10.0 213 Residential 1-4 Family Fixed 9.880 10.565 0.685 6.32 5.82 1.9 76 215 Residential 1-4 Family Fixed 3.720 3.750 0.030 6.14 6.09 4.7 64 217 Residential 1-4 Family Var 5.201 5.179 -0.022 3.96 3.97 1.9 58 4.0 218 Residential 1-4 Family Var 8.984 8.972 -0.012 4.74 4.75 3.1 100 4.0 219 Residential 1-4 Family Var 7.845 7.828 -0.017 4.78 4.79 4.6 58 4.0

Mortgage Banking, Loan Sales, and Servicing Portfolio; Bank S1 --- B275 --- Page 18

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9.9 .5 .9 0 .044 .027 .017

.6 0 .080 .063 .017

Bank S1 --- B401 -

Money Market Premium Rate 72.6 4.4 .004 .004

.018 .018

.022 .022

Core Deposit Balances and Activity; Bank Si --- B401 - Page 19

2019 BMSim Starting Point Bank Core Deposit Balances and Activity For Quarter Ending Dec 31, 2021

With- New Accrued Service Earnings Net drawals Deposits Interst Charges Credit Charge

$ $ $ $ $ $

National Accounts 33.3 1.3 4.2 0 .223 .210 .013 Middle Market 26.1 1.0 1.7 0 .112 .101 .011 Local Business 10.8 .4 .3 0 .018 .011 .007 Other 24.0 1.0 .6 0 .052 .035 .017

3.8 6.8 0 .405 .357 .048

Int-Bearing Chkg 75.8 3.8 1.3 298 .127

Business Savings 1.5 .1 0 .007 .001

Individual Savings 58.7 1.2 2.6 .260 .013

Total Savings 60.2 1.2 2.6 .266 .013 .013

Total Business Demand 94.2

5.3 8.3 0 .528 .447 .082

With-drawals Matured

Individual Demand

1.0

.127

.001

.013

Public Demand 25.5

Total Demand Deposits 129.5

4.0 .401

Average Total Monthly Total Accnts Items NSFs

273 8,648

521 1,891

477 114

2,273 43

97.2 3,544 987

10.2 8,303 24 3,190

25.0 2,128 181

132.4 13,975 292

73.4 15,119 38 758

1.5 131

60.3 16,781

61.8 16,912

72.6 1,723

59.3 7,965

131.9 9,688

522.2 104,806 35.2 24.4 3.078 .691 .447 .244

0 122.6 49,112

3.7

3.1 .297

8.0

7.0 .698

16.9 5.3 1.816

Fri Jan 18 14:20:45 2019

Beginning Balance

Business Demand Deposits $

Ending Balance

36.1 26.7 10.7 23.6

Low Rate 59.6

Total Money Market 132.2

Retail Certificates 132.4

Total Core Deposits 530.1

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B421 --- Bank S1 Retail Certificates

Business

Beginning Balance

For Quarter Ending Dec 31,

Early New Withdrawals Matured Deposits

2021

Interest Accrued

Ending Balance

$ $ $ $ $ Fixed .3 0 0 .2 .0 .5 Variable 1.9 0 .3 .1 .0 1.7 Total 2.2 0 .3 .3 .0 2.2

Individual Fixed 66.3 0 4.5 1.6 1.3 64.6 Variable 63.9 0 12.0 3.4 .5 55.8 Total 130.2 0 16.5 5.0 1.8 120.4

Customer Total 132.4 0 16.9 5.3 1.8 122.6

Non-relationship Fixed 0 0 0 0 0 0 Variable 0 0 0 0 0 0 Total 0 0 0 0 0 0

Total Fixed 66.6 0 4.5 1.8 1.3 65.2 Variable 65.8 0 12.3 3.5 .5 57.5 Total 132.4 0 16.9 5.3 1.8 122.6

New Deposits by Certificate Plan for Quarter Q4/21

Issues offered

Rate Maturity Quarters F/V Business Individual Non-relationship Total

3.25 2 F .178 .642 0 .820 3.00 4 V 0 0 0 0 3.50 6 F 0 .950 0 .950 3.75 8 V .129 2.554 0 2.683 3.25 8 F 0 0 0 0 4.00 12 V 0 .805 0 .805 3.25 12 F 0 0 0 0 3.00 20 V 0 0 0 0

Total .307 4.951 0 5.258

Retail Certificates; Bank S1 --- B421 - Page 20

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Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank Retail Certificates -- Maturing Amounts and Average Rates

As of End of Fourth Quarter, 2021

--- B423 --- Bank S1

Ending Balance ($) by Maturity

Maturity in Quarters Total 1 2 3 4 5-6 7-8 9-12 Over 12

Business Fixed .5 .3 .2 0 0 0 0 0 0 Variable 1.7 .5 .5 0 0 0 .6 0 0 Total 2.2 .9 .7 0 0 0 .6 0 0

Individual Fixed 64.6 7.8 .6 3.8 3.6 4.8 3.6 5.1 35.3 Variable 55.8 4.7 8.8 2.4 1.3 7.8 11.5 7.2 12.1 Total 120.4 12.4 9.4 6.2 4.9 12.6 15.1 12.3 47.4

Non-relationship Fixed 0 0 0 0 0 0 0 0 0 Variable 0 0 0 0 0 0 0 0 0 Total 0 0 0 0 0 0 0 0 0

Total Fixed 65.2 8.1 .8 3.8 3.6 4.8 3.6 5.1 35.3 Variable 57.5 5.2 9.3 2.4 1.3 7.8 12.1 7.2 12.1 Total 122.6 13.3 10.1 6.2 4.9 12.6 15.7 12.3 47.4

Average Rate (%) by Maturity

Average Maturity in 1 2 3

Quarters 5-6 7-8 9-12 Over 12 Rate 4

Business Fixed 3.25 3.25 3.25 Variable 3.96 3.56 3.81 4.42 Total 3.79 3.44 3.66 4.42

Individual Fixed 7.87 8.01 3.25 9.80 7.50 8.87 7.40 5.83 7.95 Variable 3.73 3.61 3.64 3.69 3.43 3.66 3.89 4.28 3.43 Total 5.95 6.36 3.62 7.43 6.42 5.64 4.73 4.93 6.80

Non-relationship Fixed Variable Total

Total Fixed 7.83 7.81 3.25 9.80 7.50 8.87 7.40 5.83 7.95 Variable 3.73 3.61 3.65 3.69 3.43 3.66 3.92 4.28 3.43 Total 5.91 6.16 3.62 7.43 6.42 5.64 4.71 4.93 6.80

Retail Certificates -- Maturing Amounts and Average Rates; Bank S1 --- B423 --- Page 21

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Business

Monthly Fee

7.50

Debit Deposit Fee Fee .05 1.00

Earnings Monthly Credit Fee 4.00 5.00

Interest-Bearing Checking Interest Item Monthly NSF Min Rate Fee Fee Fee Bal 1.60 .10 1.50 10 4000

Fri Jan 18 14:20:45 2019 --- B450 - Community "S" Community Deposit Markets

For Quarter Ending Dec 31, 2021

Bank

1

Bank

1

Bank

1

Demand Deposits Public Individual Debit Deposit Earnings Monthly Item NSF Fee Fee Credit Fee Fee Fee .06 1.00 4.00 1.00 .05 10

Estimated Share of Community Business Development Expenses (%) Business Public Individual Markets Market

Markets

100

100

100

Savings Individual

Business Interest Monthly Interest Monthly Rate Fee Rate Fee

1.75 .50

1.75 .50

Money Market Interest Base Monthly Minimum Rate Interest

Fee Balance

2.25

2.00

1.50

4000

Earnings Credit 2.00

Retail Maturity Qtrs 1 2 3-4 5-6 7-8 9-12

13-20 21-30 31-40

Certificate Rates By Maturity Group Fixed Rates Variable Rates Ranges Ranges

3.25 - 3.25 3.00 - 3.00

3.50 - 3.50

3.25 - 3.25

3.75 - 3.75

3.25 - 3.25

4.00 - 4.00 3.00 - 3.00

Community Deposit Markets; Community "S" --- B450 - Page 22

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Page 23 --- B460 - Deposit Cost Analysis; Bank S1

2019 BMSim Starting Point Bank Deposit Cost Analysis

For Quarter Ending Dec 31, 2021

Fri Jan 18 14:20:45 2019 Bank S1

Average Balance

Business Demand 95.7 Savings 1.5 Retail Certif. 2.2

Total Public 25.3

Individual Demand 10.1 Int-Brng Chkg 74.6

Money Market 132.1 Savings 59.5 Retail Certif. 125.3

Total Individual 401.5

Private Banking 0

Deposit Processing

Total Deposits 557.6

Percentage of Avg Bal Annualized

.56 4.42 4.00

4.63

1.64

.68 0

.68

6.00 2.41

2.59 3.30 6.05

3.83

0

3.45

.127

.022

.013

.127

.022

.013

.364 .364

0 0

Expenses Interest Business Total Expense Salaries Benefits Develop Expense

$ $ $ $ $ O .119 .033 .030 .182

.007 .001 .000 .010 .017

.020 .001 .000 .001 .022

.391 .120 .034 .041 .585

O .035 .010 .015 .060

O .035 .010 .015 .060

O .100 .028 .040 .168 .298 .186 .052 .040 .576

.698 .101 .028 .050 .877

.260 .163 .046 .035 .503

1.796 .050 .014 .034 1.894

3.052 .600 .168 .199 4.018

O 0 0 .010 .010

.300 .084 .384

3.442 1.055 .295 .265 5.057

Income Fees Earnings SvcChrg Credit Net

$ $ $ .405 .357 .048 .001 .001

.405 .357 .048

.080 .063 .017

.080 .063 .017

.044 .027 .017

.206 .027 .179

0 0 0

.691 .447 .244

--- B460 ---

Net Expense

.134

.017

.022

.364

.537

.043 0

.043

.151

.449

.855

.490 1.894

3.839

.010

.384

4.429

Jumbo CD's 31.5

Total Business 130.9

Public Demand

25.3 Time 0

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Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank Summary of Purchased Funds

For Quarter Ending Dec 31, 2021

--- B501 - Bank S1

Short-Term Funds Sold and Borrowed

End of First Day I End of Q3/21 Q4/21 Q4/21 Interest

Pledged Securities

Repos 15.0

Public Deposits 25.0

Federal Funds Sold 0 0 0 0 Required Bills & Bonds

Available Bills & Bonds

Available Less Required

FRB Borrowing 0 Repurchase Agreements 4.5 Federal Funds Purchased 89.5 Short-Term FHLB Debt 15.0

Total Borrowed 109.0

0 0 0

15.0

15.0 .121

72.0

83.9 .837

15.0

15.0 .128

102.0 113.9

1.086

Quarters Ending Average to Maturity Balance Rate

Jumbo CDs

Matured Quarter Q4/21

- Current Quarter - Available Funds Decision Q4/21 Deposits Interest Q1/22 Q4/21 Amount Rate

Rate Amount Rate Amount Paid

$ $ % $ % $ $ % 0

Maturing 7.0 4.54 1 Qtr 8.0 4.63 2 12.5 4.59 3 4.0 4.90 4 0 5 0 6 0 7 0 8

7.0 .079

5.0 .093 4.79 8 4.54 10

2.0 .143 4.86 5 4.65 7

4.0 .049 4.96 3 4.78 3

0 0 5.06 4 4.90 5 O 0 5.16 1 5.00 2

0 0 5.25 3 5.10 3 O 0 5.33 1 5.18 1

5.40 2 5.25 2

7 4.54 5 4.65 2 4.78 4 4.90

Total 31.5 4.63 18.0 .364 27 33 18

Public Time Deposits

Matured Quarter Q4/21

Maturing 0 1 Qtr 0 2 0 3 0 4

0

O 0 0 0 0 0 O 0

Total 0 0 0

Summary of Purchased Funds; Bank S1 --- B501 --- Page 24

4.02

3.84 4.07

3.92 4.14

4.01 4.22

4.10

40.0

40.0

0

Total Maturity

Over 1 Quarter

16.5

0

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Fri

---

---

Jan 18 14:20:45 2019

Fixed Rate FHLB

Summary

Ending

For

2019 BMSim Starting of Federal Home

Quarter Ending

Interest

Point Bank Loan Bank Borrowing Dec 31, 2021

Average

B502 Bank --- --- S1

Quarters 10/ 1/21 to Maturity Activity($) Bal($) Expense ($) Rate(%)

Matured: 0 Repaid: 0

Borrowed: Maturing 0 0 0 1 Qtr 0 0 0 Available FHLB Borrowing

2 0 0 0 For Quarter Q4/21 3 0 0 0 Total Fixed and Variable 4 0 0 0 6 0 0 0 8 0 0 0 Qualified Housing Assets($) 175 12 0 0 0 20 0 0 0 Current FHLB Borrowing($) 15 32 0 0 0

160 Over 32 0 0 0 Additional Available($)

Total Fixed 0 0 0

Variable Rate FHLB

Quarters 10/ 1/21 to Maturity Activity($)

Ending Bal ($)

Interest Expense ($)

Commercial Paper Rate: 3.54 %

Matured: 0 Repaid: 0

Borrowed: Maturing 0 0 0 FHLB Maturities Summary 1 Qtr 0 15.0 .128

2 0 0 0 3 Qtrs 3 0 0 0 or Less Over 3 4 0 0 0 6 0 0 0 8 0 0 0 Ending Balance($) 15.0 0 12 0 0 0 20 0 0 0 Interest Expense($) .128 0 32 0 0 0

Over 32 0 0 0 Average Rate(%) 3.41

Total Variable 0 15.0 .128 Maturities over 3 Qtrs are Long-Term Debt. Maturities 3 Qtrs or Less are Borrowings.

Total FHLB 0 15.0 .128

Summary of Federal Home Loan Bank Borrowing; Bank S1 --- B502 --- Page 25

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B506 — Bank S1 Purchased Funds Portfolio Listing For Quarter Ending Dec 31, 2021

Federal Home Loan Bank Borrowing

ID-Code Maturity F/V Amount Rate Number Maturity F/V Amount Rate

Qtr $ %

Qtr

$ %

501 1 V 15.000

Federal Home Loan Bank Borrowing 1 items Total Amount 15.000

Purchased Funds Portfolio Listing; Bank S1 --- B506 --- Page 26

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B530 --- Bank S1 Interest Rate Sensitivity and Liquidity: Assets

As of End of Fourth Quarter, 2021

Interest Earning Total Q4/21

Estimated Interest Rate Sensitivity Liquidity Analysis

Assets 1 Qtr 2 Qtr 3 Qtr 4 Qtr

Total 4 Qtr

Over 1 Year

First Day

2 — 90 Days

Total Qtr 1 Qtr 2

Over 2 Qtrs Amt Inc

Fed Funds Sold 0 0 0 0 0 0

Securities

Bills,Bonds,Strp 48 .4 0 25 8 15 48 0 0 0 25 23 Munis 15 .2 0 0 5 0 5 10 0 0 0 15 Mortgage Backed 10 .1 3 2 2 2 10 0 3 3 2 5

Loans

National Corp Credit Lines 47 .7 47 47 4 4 3 40 Term 20 .3 6 4 5 5 20 0 2 2 2 15

Middle Market Credit Lines 48 .8 48 48 7 7 10 31 Term 32 .5 4 4 4 4 16 16 2 2 2 29

Small Business Credit Lines 48 .8 48 48 9 9 10 29 Term 36 .6 2 2 2 2 7 29 2 2 2 33

Trade Finance 22 .3 22 22 5 5 6 11

Real Estate Construction 64 1.1 64 64 23 23 16 25 Commercial 31 .5 6 6 10 8 30 0 0 0 0 30 Multi-family 10 .1 1 0 1 0 2 8 0 0 0 10 1-4 Family Fixed Rate 15 .2 1 1 0 0 2 13 1 1 1 13 Var Rate 47 .6 47 47 0 0 0 46

Home Equity 94 1.3 94 94 6 6 15 73

Consumer Personal 31 .6 17 4 5 5 31 0 4 4 9 17 Credit Card 24 .5 24 24 10 10 6 8 Installment 23 .4 8 5 4 2 19 3 8 8 5 9

Total Earn Asts 663 9.9 439 55 46 44 585 79 3 83 85 115 463

Interest Rate Sensitivity and Liquidity: Assets; Bank S1 B530 --- — Page 27

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Fri Jan 18 14:20:45 2019

2019 BMSim Starting Point Bank --- B531 — Bank S1 Interest Rate Sensitivity and Liquidity: Liabilities and SUMMARY

As of End of Fourth Quarter, 2021

Interest Bearing Total Q4/21

Estimated Interest Rate Sensitivity Liquidity Analysis

Liabilities 1 Qtr 2 Qtr 3 Qtr 4 Qtr

Total 4 Qtr

Over 1 Year

First Day

2 - 90 Days

Total Qtr 1 Qtr 2

Over 2 Qtrs Amt Exp

Borrowed Funds FRB,Repo,FedF 99 1.0 99 99 99 99 FHLB-Var Rt 15 .1 15 15 0 0 15 0 FHLB-Fix Rt 0 0 0 0 0 0 0 0 0 0 0

Int-Bearing Chkg 73 .3 73 73 4 4 3 66 Savings Accounts 62 .3 62 62 1 1 1 59 Money Market Acc 132 .7 132 132 8 8 7 117 Time Deposits Jumbo CDs 32 .4 7 8 13 4 32 0 7 7 8 17 Public Time 0 0 0 0 0 0 0 0 0 0 0 0 Retail Cert-Var 57 .5 57 57 5 5 9 43 Retail Cert-Fix 65 1.3 8 1 4 4 16 49 8 8 1 56

Long-Term Debt FHLB-Var Rt 0 0 0 0 0 FHLB-Fix Rt 0 0 0 0

Subord Debt 0 0 0 0

Totl IntBearLiab 535 4.5 454 9 16 8 486 49 106 26 132 45 358

SUMMARY POSITION Amt Int

InterestEarnAsts 663 9.9 439 55 46 44 585 79 3 83 85 115 463 Other Assets 75 75 75

Total Assets 739 9.9 439 55 46 44 585 154 3 83 85 115 538

Interest BearLia 535 4.5 454 9 16 8 486 49 106 26 132 45 358 Demand Deposits 132 132 6 6 6 120 Other Liab &Eqty 71 71 71 Total Liab &Eq 739 4.5 454 9 16 8 486 252 106 33 138 51 549

Net Cash Positn 0 5.4 -14 46 29 37 98 -98 -103 50 -53 64 -10

Interest Rt Swaps Fixed Rate 0 0 0 0 0 0 0 Variable Rate 0 0 0 0 0 0 0 Net Swaps 0 0 0 0 0 0 0

Net Gap (A - L) 5.4 -14 46 29 37 98 -98 Net Gap / TotAst .7 -2 6 4 5 13 -13

Interest Rate Sensitivity and Liquidity: Liabilities and SUMMARY; Bank S1 --- B531 --- Page 28

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Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank B550 --- --- Bank S1 Bank Capital Markets

For Quarter Ending Dec 31, 2021

Price/Share Pcnt Ratios Earnings Earnings per Share Dividends Per Share Credit Bank Q4/21 Q3/21 Chng PE Mkt/Book Qtr YTD Fcast Actual YTD Qtr YTD Yield Rating

$ $ $ $ $ $ $ $

1 33.63 32.44 3.68 NMF .72 .07 -.23 .25 .07 -.23 .86 3.85 10.17 C

Your Bank Has No Plans to Issue Either 'Subordinated Capital Notes' Or 'Common Stock'

There are NO Banks with Community Capital Activities

Owners Equity

Community Capital Activities Issues Long Stock Term Issue Debt Price Shares Total

$ $ $

Bank

Equity/ Equity/ Capital/ Shares Book Total Risk Risk

Outstanding Value Assets Assets Assets $ % % %

1,000,000 46.72 6.32 7.79 8.44

Issue Planned

1

Bank Capital Markets; Bank S1 --- B550 — Page 29

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Fri Jan 18 14:20:45 2019 2019 BMSim Starting Point Bank Salary Budget Requests (in Thousands)

At End of Fourth Quarter, 2021

--- B600 --- Bank S1

Current Proposed Budget Actual Budget

Lending Activities

$ $ $ National Corporation 60 60 60

Middle Market 70 70 70

Local Business 120 120 120

Trade Finance 50 50 50

Commercial Real Estate 210 210 210

Residential/Home Equity 300 300 300

Consumer 425 425 425

Total 1235 1235 1235

Deposit Activities

Current Proposed Budget Actual Budget

Credit Administration

$ $ $ National Corporation 35 35 35

Middle Market 40 40 40

Local Business 50 50 50

Trade Finance 30 30 30

Commercial Real Estate 50 50 50

Residential/Home Equity 60 60 60

Consumer 50 50 50

Total 315 315 315

Operations and Processing

Business Accounts

Public Accounts

Individuals Accounts

Private Banking

Total

120 120 127

35 35 35

600 600 600

0 0 0

755 755 762

Commercial 60 60 60

Real Estate 150 150 150

Consumer 200 200 200

Deposits 300 300 300

Total 710 710 710

General Administration

Administrative 200 200 200

Personnel/Training 60 60 60

Central Operations 250 250 250

Total 510 510 510

Salary Budget Requests (in Thousands); Bank S1 --- B600 — Page 30

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Page 31 --- B601 - Premises Accounting and Utilization; Bank S1

Fri Jan 18 14:20:45 2019 Premises For

Premises Accounts

2019 BMSim Starting Point Bank Accounting and Utilization

Quarter Ending Dec 31, 2021

B601 Bank --- --- S1

Type Gross Additions Sales Gross Net Depreciation Quarter Accumulated Branches --- 9/30/21 Quarter Quarter 12/31/21 Premises

Urban 8.560 0 0 8.560 .171 6.412 2.148 Regional 5.850 0 0 5.850 .117 3.270 2.580 Suburban/County 8.220 0 0 8.220 .164 4.644 3.576

Administ/Operations 4.100 0 0 4.100 .082 2.320 1.780

Total 26.730 0 0 26.730 .535 16.646 10.084

Community Type

Premises Investments Bank

Type --- Branches Urban Regional Suburban/County

Administ/Operations

Total Total Depreciation

Estimated Utilization Factor 189% 152% 173%

157%

Operating Costs Q4/21

.214

.117

.189

.103

.623

.535

1.157

Urban

Regional

Suburban/County

Administ/Operations

1 2 3 4 5 6 0

0

0

0

Total Occupancy Costs

Premises Utilization and Operating Expenses

Page 33: 2019 Beginning Financial Statement Package (BFSP) · 2019. 4. 3. · Statement Package (BFSP) "Bank Management Simulation" is copyrighted by the BMSim Users Group and may not be used

Funds Profitability Analysis; Bank S1 --- B602 --- Page 32

Business Loans 251.7 3.928 .756 4.684 Real Estate Loans 253.7 3.830 .390 4.220 Consumer Loans 81.7 1.473 .295 1.768 Prov. for Loan Losses

Total Loans 587.1

Total Earning Assets 659.7

2019 BMSim Starting Point Bank Funds Profitability Analysis

For Quarter Ending Dec 31, 2021

--- B602 --- Bank S1

1.086 1.086

.082 .082 0 .409 .409 .328

Int-Bearing Chkg Savings Accounts Money Market Accts Retail Certif.

.127 .127

.013 .013

.022 .022

.244 .244 3.442 1.615 5.057

0 0

Total Deposits 557.6

Borrowed Funds 107.9 LongTerm/Subr Debt 0

Public/Jumbo CDs 31.5 Deposit Processing

74.6 61.0 132.1 127.5

.449

.507

.855 1.916

.364

.384

4.803

1.086 0

Total Funds 665.5 .244 .244 4.528 1.605 6.134 5.889

Margin 1.520

.298 .278 .576

.266 .254 .520

.698 .180 .877

1.816 .100 1.916

.364 .364 .384 .384

Funds Sources

Demand Deposits 131.0

Administration .510 Occupancy Expenses 1.157 Net Other Expenses .015

Operating Earnings -.163

Expenses

Intrst Oper Total Expens Expens Expens $ $ $

Net Earnings Expenses

0

Communty Average

.764 .764

1.091 1.091

.924 .924 1.150

.666 3.67 3.67

3.920 6.23 6.23

3.129 4.93 4.93

.844 4.13 4.13 -1.150

6.743 4.59 4.59

2.779 3.929 7.409 4.49 4.49

.484

.182

Percent Avg Bal

3.36 4.85

3.36 4.85

2.779 3.929

Fri Jan 18 14:20:45 2019

Average Balance

Earning Assets

Federal Funds Sold 0 Taxable Securities 57.6 Tax-exempt Secur. 15.0

Total Investments 72.6

Income Interest Fees and Total Income Svc Chgs Income

$ $ $

0 0

.484 .484

.182 .182

.666 .666

9.231 1.441 10.672

9.896 1.441 11.338

1.00 1.00

2.41 2.41 3.32 3.32 2.59 2.59 6.01 6.01

4.63 4.63

3.45 3.45

4.03 4.03

3.54 3.54

.92 .92

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Fri Jan 18 14:20:45 2019 Economic Report Summary

At End of Fourth Quarter, 2021

B900 --- --- "S" Community

Funds Rates Q4/21 Q3/21 Corporate Rates Q4/21 Q3/21

Discount Rate 3.42 3.24 Prime 5.76 5.66 Repurchase Agreements 3.32 3.14 CPR 3.54 3.41 Federal Funds 3.61 3.40 Bonds

AAA 4.76 4.67 LIBOR 3.43 3.28 AA 4.96 4.86

A 5.15 5.05 US Government Securities BBB 5.45 5.32

BB 5.84 5.70 Maturity in Quarters B 6.33 6.16

1 3.59 3.40 4 3.73 3.58 National Economy ( % ) 8 3.93 3.80

Inflation rate 20 4.20 4.09 1.27 1.22 40 4.34 4.24 Change in Gross Domestic Product +3.95 +3.82 80 4.43 4.33 Change in leading indicators +1.50 +1.50

Unemployment rate 6.43 6.50 Mortgage-Backed Securities

Local Economy ( % ) Maturity in Quarters

Change in retail sales 1 3.66 3.48 +3.58 +2.60 4 3.76 3.61 Change in new housing starts +1.81 +1.84 8 3.99 3.86 Change in new construction permits +2.21 +1.54 20 4.47 4.36 Unemployment rate 6.00 6.23 40 4.64 4.54 80 4.77 4.67

Four Quarters Income Tax Rate ( % ) Market Forecasts Q1/22 Q1/22 to Q4/22

Q1/22 21 Loans $ $ Q4/21 21 Business 335.3 1,838.3

Real Estate 106.9 561.4 Consumer 201.9 1,117.5

Deposits 118.0 976.9

Stock Prices ( $ )

Quarter Bank 1

Q4/21 33.63 Q3/21 32.44 Q2/21 34.09 Q1/21 43.02

Economic Report Summary; Community "S" --- B900 --- Page 33

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Fri Jan 18 14:20:45 2019 Economic History and Competitive Rates

At End of Fourth Quarter, 2021

--- B901 --- Community "S"

Funds Rates Q4/21 Q3/21 Q2/21 Q1/21 Corporate Rates Q4/21 Q3/21 Q2/21 Q1/21

Discount Rate 3.42 3.24 2.63 2.10 Prime 5.76 5.66 5.34 5.05 Repurchase Agreements 3.32 3.14 2.53 2.00 CPR 3.54 3.41 2.97 2.60 Federal Funds 3.61 3.40 2.71 2.10 AA Bonds 4.96 4.86 4.53 4.27

BB 5.84 5.70 5.22 4.84 LIBOR 3.43 3.28 2.76 2.32

Bills Mortgage-backed

1 Quarter 3.42 3.24 2.63 2.11 60 Quarter 4.72 4.62 4.29 4.02 4 3.62 3.50 3.10 2.76 120 4.81 4.71 4.38 4.12

Strips US Bonds

1 Quarter 3.42 3.24 2.63 2.11 1 Quarter 3.59 3.40 2.76 2.21 4 3.62 3.50 3.10 2.76 4 3.73 3.58 3.09 2.67 8 3.83 3.73 3.38 3.10 8 3.93 3.80 3.40 3.07 20 4.11 4.01 3.67 3.41 20 4.20 4.09 3.73 3.44 40 4.21 4.11 3.77 3.52 40 4.34 4.24 3.89 3.62 80 4.26 4.16 3.83 3.57 80 4.43 4.33 3.98 3.71 120 4.27 4.17 3.84 3.59 120 4.46 4.36 4.01 3.74

Loan Interest Rates Deposit Interest Rates

National Credit Lines 6.05 5.93 5.54 5.20 Int-Bearing Chkg 1.73 1.57 1.04 .55 Term Loans 6.30 6.19 5.82 5.49 Savings Deposits 1.93 1.78 1.27 .82

Mid Market Credit Lines 6.21 6.10 5.75 5.45 Money Market 2.45 2.23 1.48 .85 Term Loans 6.46 6.37 6.06 5.79

Small Bus Credit Lines 6.54 6.41 5.96 5.55 Term Loans 6.90 6.78 6.39 6.05

Trade Finance 6.45 6.32 5.91 5.55 Fixed Rate Retail Certificates Construction 6.97 6.91 6.72 6.55

2 Quarter 3.49 Commercial Real Estate 6.63 6.48 5.95 5.51 3.27 2.54 1.90 Multi-Family Residential 6.34 6.21 5.77 5.39 4 3.64 3.45 2.82 2.27 1-4 Family Fixed 6.20 5.97 5.19 4.49 10 3.95 3.78 3.21 2.73 1-4 Family Variable 5.37 5.06 4.04 3.13 20 4.14 3.97 3.40 2.93 Home Equity 6.13 5.95 5.38 4.86

Personal 6.92 6.74 6.12 5.58 Credit Card 10.89 10.64 9.80 9.00 Installment 6.76 6.66 6.33 6.03

Economic History and Competitive Rates; Community "S" --- B901 --- Page 34