Bank Analysis School Case Study

Liquidity Contengency Funding Exercise 10/31/20 X5

Contengency Funding Recap

Total Available Funding Assumed Immediate Funding Need Remaining Funding

36,452,131 4,500,000 31,952,131

Total Borrowed Funding Repayment Date ••

4,500,000

Aug- X 6

Tier 1Capital Ratio - Prior Tier 1Caoital Ratio - After

8.38% 8.38%

U BB FF

Fed Funds

Security Sales 25,107,411

Total Fundin9 36,452,131

Available Funding

Sold

Purchased 1,248,000

FHLBCMA FHLB Term 4,306,900 5,789,820

Loan Sales

1,248,000

4,306,900

5,789,820

25,107,411

36,452,131

Funding Source

Source #1 Source #2 Source #3

1,500,000

1,500,000 2,000,000 1,000,000 4,500,000

2,000,000

1,000,000 1,000,000

Total Funding

1,500,000

2,000,000

Remaining Funding

(252,000)

2,306,900

4,789,820

25,107,411

31,952,131

Re1:1ayment Source

Nov- X 5

Dec- X 5

Jan- X 6

Feb- X 6

Mar- X 6

Aer- X 6

Mai'.- X 6

Jun- X 6

Jul- X 6

Au9- X 6

Total

Fed Funds Sold SecuritiesCash Flow

514,257

480,702

191,513

305,394

554,675

208,677

202,000

212,250

179,612

191,790

3,040,870

Securities Sales

514,257

480,702

191,513

305,394

554,675

208,677

202,000

212,250

179,612

191,790

3,040,870

Note: This exercise assumes a static balance sheet. TheCapital/Asset ratio does not consider projected changes in net income from the funding changes. Additional funding raised through aggressive deposit pricing is not represented.

•• - Reflects repayment of short term funding.