Bank Analysis School - Case Study & Resources
LIQUIDITY EXAMPLE BANK Balance Sheet $--Page 4
FDIC Certificate # OCC Charter # 0 Public Report
Percent Change 1 Quarter 1 Year
Assets: Real Estate Loans
Year 1
Year 4
Year 3
Year 5
Year 2
12,741,000 424,000 839,000 9,102,000 629,000 1,747,000
11,226,000 319,000 713,000 7,657,000 707,000 1,830,000
4,939,584 84,215 740,253 3,916,802
4,267,903 151,353 724,757 3,188,619
3,483,231
3.14 13.50
Construction & Development
147,113 21.14 32.92
Farmland
616,143 2,600,441
3.84 17.67 3.58 18.87 0.32 -11.03 -1.91 -4.54 N/A N/A 3.43 18.82
1-4 Family Residential
Multifamily
3,965
5,916
6,797
Non-Farm Non-Residential RE Loans in Foreign Offices
194,349
197,258
112,737
0
0
0
0
0
Commercial Loans Individual Loans Agricultural Loans Other Loans & Leases ACL on LN&LS HFI Unearned Income Net Loans & Leases
19,094,000
16,070,000
14,712,895
11,449,416
11,443,205
516,000
503,000
354,564
181,166
146,971
5.95 0.00 2.62
2.58 N/A 8.89
1,000
0
500
1,330
6,563
41,897,000
38,476,000
25,173,263
17,412,451
13,431,342
636,000
423,000
447,765
304,803 162,963
280,903 14.18 50.35
0
0
0
173,032
N/A N/A 2.85 11.79 -2.75 -8.63
73,613,000 92,156,000 7,417,000 1,088,000 16,642,000 117,297,000 11,319,000 6,000
65,852,000 100,862,000 7,158,000
44,733,041 36,251,267 3,635,194
32,844,500 21,872,962 1,785,951
28,057,377 18,723,852 1,575,421
U.S. Treasury & Agency Securities
Municipal Securities Foreign Debt Securities All Other Securities HTM Securities Allowance
-0.16
3.62
61,000
24,492
9,038
5,811 19.04 1,683.61
17,213,000
7,524,576
4,084,805
2,772,662
-0.99 -3.32
6,000
391
N/A
N/A 0.00
0
Net Securities
125,288,000 11,085,000
47,435,138 16,265,592
27,752,756 5,520,226
23,077,746 2,890,855
-2.18 -6.38
Interest-Bearing Bank Balances
-3.27
2.11
Federal Funds Sold
0
0
0
0
0
N/A N/A
Sec Purch Under Agreemt to Resell
707,000 127,000
599,000 141,000
213,325 284,526
281,123 167,341
115,272 79.90 18.03 104,134 -49.80 -9.93
Trading Account Assets Total Investments Total Earning Assets
129,450,000 203,063,000
137,113,000 202,965,000
64,198,581 108,931,622
33,721,446 66,565,946
26,188,007 54,245,384
-2.12 -5.59
-0.37
0.05
Nonint Cash & Due From Banks Premises, Fix Assts, Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs
1,192,000 170,000
2,040,000 190,000
704,209 123,786
658,563 143,397
517,613 -10.38 -41.57
59,296
2.41 -10.53 N/A -100.00 9.74 37.96 2.68 -5.56
0
1,000
1,179
0 0
0 0
1,341,000 153,000 3,107,000 209,026,000 213,773,000
972,000 162,000 2,251,000 208,581,000 202,070,000
0
115,232 3,963,070 113,839,098 101,432,425
74,190
76,413
Other Assets Total Assets
2,500,833 69,942,929 67,834,187
1,240,938 -12.55 38.03
56,139,644 56,822,789
-0.58 -0.33
0.21 5.79
Average Assets During Quarter
Liabilities: Demand Deposits
10,432,000
7,231,000
5,337,447
3,998,803
3,743,219
-9.58 44.27 3.77 -19.12 -1.95 -8.72 -8.14 -98.01 -5.80 -32.29 N/A N/A -2.49 -8.58 N/A N/A 2.67 -13.42 -1.96 -8.39 N/A N/A
All Now & ATS Accounts Money Market Deposit Accounts
55,000
68,000
6,842
4,439
4,303
149,444,000
163,723,000 3,978,000
89,366,799
52,555,424
41,480,915
Other savings Deposits
79,000 65,000
4,112 7,120
2,622 8,040
2,684 8,459
Time Deps At Or Below Insurance Limit Less: Fully Insured Brokered Deposits Fully Insured Brokered Deposits Time Deps Above Insurance Limit Deposits in Foreign Offices Sec Sold Under Agreemt to Repurch Fed Home Loan Bor Mat < 1 Year Fed Home Loan Bor Mat > 1 Year Oth Borrowing Mat < 1 Year Oth Borrowing Mat > 1 Year Subordinated Notes & Debentures Core Deposits Total Deposits Federal Funds Purchased
96,000
0
0
0
0
0
160,075,000
175,096,000
94,722,320
56,569,328
45,239,580
0
0
0
0
0
1,404,000 13,899,000 175,378,000
282,000
45,934
25,820
17,074 18.68 397.87
16,053,000 191,431,000
8,425,853 103,194,107
6,348,604 62,943,752
4,735,285 49,991,939
0
0
0 0 0 0
0 0 0 0
0
524,000
61,000
319,414 1,355.56 759.02
15,000,000
0 0
300,000
11.11
N/A
0
0
N/A N/A
40,000 332,000
60,000 236,000
21,459 216,912
18,185 222,825
12,380 150.00 -33.33 96,956 -36.03 40.68
0
0
0
0
0
N/A N/A 6.00 14.91 -0.79 -0.11
Other Liabilities Total Liabilities
2,296,000 193,570,000 15,456,000
1,998,000 193,786,000 14,795,000
3,337,656 106,770,134 7,068,964
1,724,072 64,908,834 5,034,095
864,142
51,584,831 4,554,813
Total Bank Capital & Min Int
2.16
4.47
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