Bank Analysis School - Case Study & Resources
FDIC Certificate # OCC Charter # 0 Public Report
LIQUIDITY EXAMPLE BANK Liquidity & Funding--Page 10
Percent of Total Deposits
Year 5 99.92
PG 1 PCT
Year 4 99.92
PG 1 PCT
Year 3 100.00
PG 1 PCT
Year 2 100.00
PG 2 PCT
Year 1 100.00
PG 2 PCT
Individ, Partnerships, and Corp. U.S. Govt, States & Political Sub in U.S. Comml Banks & Other Dep Inst. in U.S.
94.43 2.52 0.23
81 25 28 43 50 96 25 78 18 77 96 71 59 75 21 40 40 18 12 9
94.72 2.32 0.24
80 25 35 41 54 96 22 87 19 76 96 9 74 77 54 90 45 16 12 9
93.87 2.44 0.30
96 20 13 43 53 96 16 66 20 76 96 6
91.23 6.99 0.41
98
91.61 6.72 0.48
98
0.07 0.00 0.00 0.00
0.07 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
7
0.00 0.00 0.00 0.00
7
10 82 89 95 36 24 24 98 98 1
10 79 89 92 46 23 23 98 98 1
Banks in Foreign Countries Foreign Govts and Official Inst.
1.23 0.44
1.17 0.39
1.24 0.49
0.00 0.00
0.01 0.00
Total deposits
100.00
100.00
100.00 100.00
100.00 100.00
100.00 100.00
100.00 100.00
Domestic Demand Deposits Domestic Other Transaction Accts Domestic Nontransaction Accts Total Domestic Deposits Deposits in Foreign Offices
5.95 0.03
30.99 4.03 57.06 90.27 6.23 100.00 1.36 71.77 7.83 213.57 413.98 -17.14 61.72 71.38 75.37
3.78 0.04
23.83 3.41 64.99 88.64 6.63
5.17 0.01
18.40 1.87 70.47 87.07 7.31
6.35 0.01
9.35 2.23
7.49 0.01
8.96 1.92
86.10 92.07 7.93 100.00
87.80 91.61 8.39
86.66 91.83 8.17
83.55 89.91 10.09
87.59 98.53 0.08
83.03 90.53 9.47
88.37 98.55 0.10
Total Deposits
100.00 100.00
100.00 100.00
100.00 100.00
100.00 100.00
Liquidity/Funding Ratios Net Non Core Fund Dep $250M
9.34 76.58 10.61 59.23
2.29 83.95 0.84
-9.17 76.01 4.34
-8.77 83.21 0.62
-3.65 70.69 7.30
40 90
-2.23 80.88 0.28
12.07 70.99 10.64 56.90 -2.80 88.58 99.62
9
-0.23 80.58 1.20 815.27 -37.40 56.12
13.84 70.36 11.83 50.94 -2.34 88.24
9
Core Deposits
90
89
Short Term Non Core Funding S.T Inv to S.T. Ncore Fund S.T. Asset to S.T. Liabilities Net S.T. Liabilities to Assets Net Loans & Leases to Deposits Net LN&LS to Core Deposits Brkr Dep Mat < 1 Yr to Brkr Deps Brokered Deposits to Deposits Listing Service Dep to Deposits List Service and Brkrd Dep to Deps Sec Bor + sec FFP to Tot Bor + FFP Recip Brkrd Dep to Tot Brkrd Dep Total Deposits Individ, Partnerships, and Corp. U.S. Govt, States & Political Sub in U.S. Comml Banks & Other Dep Inst. in U.S.
6
1
3
692.89 677.21 2,864.81 985.43
2,357.60 402.59 6,206.67 695.46
96
3,989.37
98 98
95 97
252.07 -16.19 41.97 45.99
96 13,840.22 150.67
3,176.57 158.54
-24.34 34.40 37.61
-23.85 55.47 62.28
-38.08 43.35 47.23
-22.14 57.02 67.71
13 23 13
-39.91 52.18 58.06
3 3 4
3 4 5
62.02 100.64
N/A 0.00 0.00 0.00 0.27 N/A
N/A
N/A 70.88 N/A
N/A 85.49 N/A
N/A 80.84 N/A
N/A 84.93 N/A
5.01 0.38 5.41 8.24 0.00
6
0.00 0.00 0.00
2.57 0.26 2.83 8.81
9
0.00 0.00 0.00
6.43 0.31 6.91
6
0.00 0.00 0.00
4.51 0.15 5.01 8.62
7
0.00 0.00 0.00 3.84 N/A
5.68 0.12 5.90 3.11
8
65
67
66
58
59
6
9
6
6
8
40
100.00
96
95.78
12.87
96
99.72
94
79
N/A
N/A
0.00 N/A
N/A
0.00 N/A
N/A
0.39 N/A
3.07 N/A
175,240,000
191,285,000
103,194,107
62,943,752
49,991,939
131,000
137,000
0 0 0 0
0 0 0 0
0 0 0 0
7,000
9,000
Banks in Foreign Countries Foreign Govts and Official Inst.
0 0
0 0
Total Deposits
175,378,000
191,431,000
103,194,107
62,943,752
49,991,939
Domestic Demand Deposits Domestic Other Transaction Accts Domestic Nontransaction Accts
10,432,000
7,231,000
5,337,447
3,998,803
3,743,219
55,000
68,000
6,842
4,439
4,303
150,992,000 161,479,000 13,899,000 175,378,000
168,079,000 175,378,000 16,053,000 191,431,000
89,423,965 94,768,254 8,425,853 103,194,107
52,591,906 56,595,148 6,348,604 62,943,752
41,509,132 45,256,654 4,735,285 49,991,939
Total Domestic Deposits Deposits in Foreign Offices
Total Deposits
Other Liquidity/Funding Data Non Core Liabilities $250M Short Term Non Core Funding
30,867,000 22,186,000 160,075,000
16,456,000 1,745,000 175,096,000
8,493,246 702,800 94,722,320
6,479,604 195,233 56,569,328
5,384,153 674,061 45,239,580
Core Deposits
Time Deps $250M & Under Mat < 1 Yr Time Deps $250M & Under Mat > 1 Yr Time Deps over $250M Mat < 1 Yr Time Deps over $250M Mat > 1 Yr Fed Home Loan Bor Mat < 1 Yr Fed Home Loan Bor Mat > 1 Yr Other Borrowing Mat < 1 Year Other Borrowing Mat > 1 Year
61,000 4,000
91,000 5,000 263,000 19,000
7,020
7,939
8,459
100
101
0
1,398,000
45,934
22,815 3,005
17,074
6,000
0 0 0
0
15,000,000
0 0
0 0
300,000
0
0
40,000 332,000 40,000
60,000 236,000 60,000
21,459 216,912 20,553
18,185 222,825 104,884
12,380 96,956 11,998
Secured Other Borrowings Federal Funds Purchased
0
0
0
0
0
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