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