Bank Analysis School Case Study
Credit Risk Management - Additional Borrowing Capacity As of 12 /3 1 / X5
Sunny State Bank (DDA#: 0000 ) Sunny , OH . ADVANCES SUMMARY
$ 3,0 0 0,000 $0 $0
FHLBank Advances: Guaranteed Funds Rate (GFRs): AHP/CIP Advances:
Standby Letters of Credit (SLCs): Non-FHLBank Borrowings:
$0
$ 4,123,000
Advances and SLC original maturity > 5 Years:
$0
STOCK SUMMARY
$ 425 , 300 ($1 03 , 366 ) $ 321 , 934
Capital Stock Balance: Less: Membership Stock Requirement: Stock Available for Activity:
COLLATERAL CAPACITY
$1 7 , 135 ,7 0 9 $ 7 , 123 ,000 $1 0 , 012 ,709
Maximum Borrowing Capacity: Less: FHLBank Advances & SLCs: Collateral Based Additional Borrowing Capacity:
MORTGAGE ASSETS CAPACITY
$ 43,271,000 $0 $ 43,271,000
Residential Mortgage Assets as of: 12 /3 1 /20 X5 Less: FHLBank Advances GFRs, & SLCs that have original maturities greater than 5 years: (1) Mortgage Asset Based Additional Borrowing Capacity:
TOTAL BORROWINGS TO ASSETS CAPACITY
$ 82,163,000 50 % $ 41,081,500 $ 7 , 123 ,000 $3 3,95 8,500 None
Total Assets as of: 12 /3 1 /20 X7 Multiplier:
Less: Total Borrowings minus AHP/CIP Advances: Borrowings to Total Assets Additional Borrowing Capacity: Advance Maturity Restriction:
$1 0,012 ,709
ADDITIONAL BORROWING CAPACITY: (2)
(1) GFRs with Advance terms greater than 5 years included in this total (2) Additional Borrowing May be Limited by GFR Commitments
In July of 2020, the FHLB removed the stock based additional borrowing capacity as a limitation to overall additional borrowing capacity, as stock is never a limitation to Advance usage.
Questions? Call 1-800-781-3090 or contact your FHLB Marketing representative.
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