Bank Analysis School Case Study eBook

Sunny State Bank

CALCULATIONS - LIQUIDITY

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Chart

Formula

37.Liquidity - Deposit Size & Growth

Deposits (Bank vs. State Median) Deposits Volume and Mix Over Time

Total Deposits (UBPR2200)

DDA = Total Demand Deposits (RCON2210) NOW/ATS = All NOW and ATS Accounts (UBPRE125) MMDA = Money Market Deposit Accounts (RCON6810) Savings = Other Nontransaction Savings Deposits (RCON0352) TCDs = Deposits Below Insurance Limit and Deposits Above Insurance Limit (UBPRK426+UBPRK437) Foreign = Deposits in Foreign Ofces (UBPRD078)

Quarterly Deposit Growth Rate Primary Liquidity Breakout Primary Liquidity to Total Assets Share of Deposits < $250k (# blue, $ red)

Total Deposits Quarterly Growth Rate (UBPR2200)

38.Liquidity - Primary Liquidity

Cash = Noninterest-Bearing Balances and Currency and Coin (UBPR0081) IBB = Interest-Bearing Balances (UBPR0071) FFS = Fed Funds Sold and Securities Purchased (UBPRD493) Sec < 1Yr = Fixed and Floating Rate Debt Securites with a Remaining Maturity of One Year or Less (UBPRA248)

Interest-Bearing Balances, Noninterest-Bearing Balances and Currency and Coin, Fed Funds Sold and Securities Purchased, Fixed and Floating Rate Debt Securites with a Remaining Maturity of One Year or Less % Total Assets ((UBPR0071+UBPR0081+UBPRD493+UBPRA248)/UBPR2170) Number of Accounts = Number of Deposit Accounts Including Retirement Accounts of $250k or Less % Total Number of Deposit Accounts ((RCONF046+RCONF050)/(RCONF046+RCONF048+RCONF050+RCONF052)) Amount of Accounts = Amount of Deposit Accounts Including Retirement Accounts of $250k or Less % Total Amount of Deposit Accounts ((RCONF045+RCONF049)/(RCONF045+RCONF047+RCONF049+RCONF051))