BAS Sept 2022 Case Study

First page Table of contents Next page Last page
Case Study Introduction1
Sunny State Bank Resource Materials4
The Uniform Financial Institutions Rating System4
UBPR - Sunny State Bank16
Depository Deep Dive - Sunny State Bank58
Earnings140
Earnings Ratio Flow Chart140
Income Statement 2018146
2019 Budget Summary154
Capital161
Capital Plan161
Examiner Memo - Capital1
Sensitivity to Market Risk166
STMR Rating Guide166
Prior Exam IRR Comment173
IRRSA - Sunny State Bank176
Bond Portfolio194
IRR Report238
IRR Audit359
Liquidity362
FHLB Additional Borrowing Capactiy362
UBB Borrowing Capacity364
Market Interest Rates365
Liquidity Contingency Policy376
Liquidity Stress Test382

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