Bank Analysis School Case Study

Available Liquidity 10/31/ X5

Available Funds:

$

Federal Funds Sold UBB Fed Funds Available FHLB Cash Management Account (OvemiQht)

2,000,000 4,306,900 8,789,820 25,107,411

FHLB Borrowing Capacity (Tenn) Securities Available for Sale (MV) Loans Available for Sale

40,204,131

Funds Used: UBB Fed Funds Purchased FHLB Overnight Borrowings FHLB Advances

(752,000)

(3,000,000) (3,752,000)

Net Available Funds

$ 36,452,131

Note: The Bank also has the ability to borrow from the Federal Reserve Discount Window. All unpledged and unencumbered assets of the Bank can be used as collateral to borrow money, usually on a short-term basis, to meet temporary shortages of liquidity caused by internal or external disruptions.

Other Relevant Information

$ 12,085,343 70,167,078

Certificates of Deposit Total Deposits