2021 Strategic Planning Conference

Liquidity & Interest Rate Risk

Bank Profile - Liquidity - Calculations Glossary - Overview

LIQUIDITY - CALCULATIONS GLOSSARY

Fidelity Bank (West Des Moines, Iowa)

Liquid Assets to Total Assets

Liquid assets = Noninterest-Bearing Balances and Currency and Coin (RCON0081) + Interest-Bearing Balances (RCON0071) + Federal Funds Sold and resales (UBPRD493) + Unpledged Securities [HTM Securities (RCON1754) + AFS Securities (RCON1773) - Pledged Securities (RCON0416)] / Total Assets (UBPR2170). This is a custom ratio not found in the UBPR. Net Loans & Leases to Assets (UBPRE024) • FHLB borrowings (RCONF055 + RCONF056 + RCONF057 + RCONF058) / Total assets (UBPR2170) • Brokered Deposits (UBPR2365) / Total assets (UBPR2170) • Listing Service Deposits (UBPRK223) / Total assets (UBPR2170) • Domestic and Foreign Deposits of US Government;States and Political Subdivisions in US a.k.a. public funds (UBPRM019) / Total assets (UBPR2170) • Other Borrowings (RCONF060 + RCONF061 + RCONF062 + RCONF063) / Total assets (UBPR2170) •Foreign Deposits = Domestic and Foreign Deposits of Banks in Foreign Countries / Total Deposits (UBPRM007) + Domestic and Foreign Deposits of Foreign Governments and Official Institutions / Total Deposits (UBPRM008) • Commercial Banks/Depository Institutions: Domestic and Foreign Deposits of Commercial Banks and Other Depository Institutions in US / Total Deposits (UBPRM006) • US Government/States/Municipalities : Domestic and Foreign Deposits of US Government; States and Political Subdivisions in US / Total Deposits (UBPRM005) • Individuals/Partnerships/Corporations: Domestic and Foreign Deposits of Individual; Partnerships; and Corporations / Total Deposits (UBPRM004) •FHLB borrowings of all maturities (RCONF055 + RCONF056 + RCONF057 + RCONF058) Brokered Deposits (UBPR2365) Listing Service Deposits (UBPRK223) • Federal Funds Purchased (RCONB993) Other Borrowings of all maturities (RCONF060 + RCONF061 + RCONF062 + RCONF063) •Time CDs > 250M (non-brokered) = Deposits Above Insurance Limit (UBPRK437) – Uninsured brokered deposits [Total brokered deposits (UBPR2365) - insured brokered deposits (UBPR2366)] • Core Deposits (excludes listing service) = Core Deposits (UBPRK434) – Listing Service Deposits (UBPRK223) •Wholesale Funding = Brokered Deposits + Listing Service + FHLB borrowings of all maturities + Other Borrowings of all maturities + Federal Funds purchased (same codes and formulas as noted in the granual funding amounts over time shown above) • Core Deposits (excludes listing service) & Time CDs > 250M (same codes and formulas as noted in the granular funding amounts over time shown above) Wholesale Funding = Brokered Deposits + Listing Service + FHLB debt of all maturities + Other Borrowings of all maturities + Federal Funds Purchased (same items and codes as shown in the funding amounts over time calculations) / Total Assets (UBPR2170) Individual wholesale funding categories (same codes as noted above) / Total wholesale funding (sum of wholesale funding amounts). This is a custom ratio not found in the UBPR. Liquid Assets (same items and codes as in the Liquid Assets / Total Assets ratio shown above) / Short Term Non-Core Funding (UBPRE584). This is a custom ratio not found in the UBPR. Short Term Non-Core Funding includes Federal Funds Purchased, securities sold under agreements to repurchase, FHLB borrowing maturing in less than one year, time certificates of deposit over 250M maturing in less than one year, and brokered deposits maturing in less than one year. Note that the items included as non-core funding are slightly different than wholesale funding. •< 1 Year = Federal Funds Purchased and Securities Sold Under Agreements ToRepurchase (RCONB995) + CDs > 250M repricing or maturing is less than 3 months (RCONHK12) + Time CDs > 250MM repricing or maturing in 3-12 months (RCONHK13) + Federal Home Loan Bank Advances repricing or maturing is less than one year (RCONF055) + Other Borrowings repricing or maturing in less than one year (RCONF060) •1 to 3 Years = Time CDs > 250M repricing or maturing in one to three years (RCONHK14) + FHLB Advances With A Remaining Maturity Or Next Repricing Date Of Over 1 Year Through 3 Years (RCONF056) + Other Borrowings With A Remaining Maturity Or Next Repricing Date Of Over 1 Year Through 3 Years (RCONF061) •> 3 Years = Time CDs > 250M repricing or maturing beyond 3 Years (RCONHK15) + FHLB Advances repricing or maturing between 3 and 5 years (RCONF057) + FHLB Advances repricing or maturing beyond 5 Years (RCONF058) + Other Borrowings repricing or maturing in 3 to 5 years (RCONF062) + Other Borrowings repricing or maturing beyond 5 years (RCONF063) Liquid asset and wholesale funding items and codes are the same at noted in previous ratios. Net Loans (UBPRE119) / Core Deposits adjusted to exclude listing service and include TCDs > 250M (UBPRE434 - UBPRK223 + UBPRK437) Total Loan & Lease Commitments / Outstanding (UBPRE267)

Net Loans to Assets Ratio Possible Funding Concentrations (% of Total Assets

Deposit Mix as a Percent of Total Deposits

Funding Amounts Over Time (Granular)

Funding Amounts Over Time (Broad)

Wholesale Funding to Total Assets

Wholesale Funding Mix (% of Total Wholesale Funding) Liquid Assets / Short-Term Noncore Funding

Noncore Funding Maturities

Liquid Assets / Wholesale Funding Net Loans / Core Deposits Loan Commitments / Total Assets Loan Commitments / Total Assets (By Loan Type)

• Home Equity (UBPRE262) • Credit Cards (UBPRE263) • CRE = CRE secured by real estate (UPBRE264) + CRE not secured by real estate (UBPRE265) • Other (UBPRE266)

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Liquidity & Interest Rate Risk

Bank Profile - IRR - Calculations Glossary - Overview

IRR - CALCULATIONS GLOSSARY

Fidelity Bank (West Des Moines, Iowa)

Debt Securities [e.g. bullet maturity bonds] > 5 Years + Mortgage-Backed Securities > 5 Years + Loans > 5 Years • Debt Securities > 5 Years (RCONA553 and RCONA554)

Assets > 5 Years

• Mortgage-Backed Securities > 5 Years (RCONA559 and RCONA560) • Loans > 5 Years (RCONA568, RCONA569, RCONA574, RCONA575)

Debt Securities > 15 Years + Mortgage-Backed Securities > 15 Years + Loans > 15 Years • Debt Securities > 15 Years (RCONA554) • Mortgage-Backed Securities > 15 Years (RCONA560) • Loans > 15 Years (RCONA569 and RCONA575) Liabilities Repricing/Maturing < 1 Year* / Total Assets (UBPR2170).

Assets > 15 Years

Short-Term Funding (Repricing/Maturing < 1 Year) / Total Assets

* These short term liabilities include: Federal funds purchased (RCONB993), repurchase agreements (RCONB995), savings deposits (RCON0352, money market deposits (RCON6810), FHLB borrowing repricing/maturing in less than one year (RCONF055), Other Borrowing Money repricing/maturing in less than one year (RCONF060), and TCDs repricing/maturing in less than one year (RCONHK07 + RCONHK08 + RCONHK12 + RCONHK13 + RCONA579 + RCONA580 + RCONA584 + RCONA585).

Liabilities Over 3 Years / Total Assets (UBPRE571)

Long-Term Funding (Repricing/Maturing > 3 Years) / Total Assets Non-Maturity Deposits / Total Assets

Non-Maturity Deposits / Total Assets (UBPRE576)

• Liabiltiies Repricing/Maturing < 1 Year includes the same items and codes as the Short-Term Funding / Total Assets Ratio above. • Liabilities Repricing/Maturing 1 to 3 Years (RCONHK09 + RCONHK14 + RCONF056 + RCONF061 + RCONA581 + RCONA586) • Liabilities Repricing/Maturing > 3 Years (RCONA582 + RCONA587 + RCONHK10 + RCONHK15 + RCONF057 + RCONF058 + RCONF062 + RCONF063)

Funding Maturity Structure Over Time

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