Bank Analysis School Case Study

IRRSA 4.1.2

Core Analysis: Funding Su nn y S tate Bank

12/31/ X5 9/30/ X5 6/30/ X5

3/31/ X5 12/31/ X4

9/30/ X4 6/30/ X4

3/31/ X4 12/31/ X 3

9/30/ X 3 6/30/ X 3 3/31/ X 3

Measure 1 Market Proxy: Federal Funds

#

2.22%

1.44%

1.20%

1.92%

0.37%

0.25%

1.79%

1.06%

0.95%

0.69%

0.45%

0.30%

-7

11

12

35

24

15

13

24

14

26

2 Market Proxy Quarterly Change (bp)

6

30

16%

24%

20%

13%

12%

-19%

7%

38%

53%

50%

32%

48%

3 Market Proxy Percent Change

4 Liabilities (% of TA): 5 Demand Deposits

12%

12%

11%

10%

10%

11%

10%

10%

10%

11%

9%

9%

27%

28%

27%

28%

26%

27%

25%

26%

30%

32%

31%

30%

6 NOW Accounts

7 MMDAs

4%

4%

4%

6%

6%

6%

6%

6%

6%

6%

4%

5%

8 Savings Deposits

23%

24%

24%

24%

23%

23%

24%

23%

23%

22%

22%

23%

72%

68%

68%

9

70%

66%

67%

67%

66%

65%

64%

68%

64%

Total Nonmaturity Deposits (NMDs)

N/A

N/A

10 CDs< $250M 0-1 Year

6%

6%

6%

6%

6%

7%

7%

5%

N/A

N/A

N/A

N/A

11 CDs< $250M over 1 Year

7%

7%

7%

7%

8%

8%

8%

7%

N/A

N/A

12

80%

85%

84%

82%

83%

82%

81%

66%

65%

79%

64%

64%

Total Core Deposits

13 CDs> $250M 0-1 Year

1%

1%

1%

1%

0%

0%

0%

0%

0%

0%

0%

0%

N/A

N/A

14 CDs> $250M over 1 Year

1%

1%

1%

1%

1%

2%

1%

1%

N/A

N/A

N/A

N/A

N/A

N/A

N/A

15 Other Deposits

N/A

N/A

N/A

N/A

N/A

N/A

N/A

16

82%

85%

83%

80%

85%

83%

66%

66%

65%

87%

84%

Total Deposits

64%

1%

1%

17 Federal Funds Purchased & Repos

0%

4%

4%

0%

0%

0%

0%

0%

0%

5%

1%

2%

2%

2%

1%

1%

4%

4%

0%

0%

0%

0%

18 FHLB Borrowings 0-1 Year

2%

2%

1%

5%

4%

2%

1%

4%

4%

4%

19 FHLB Borrowings over 1 Year

4%

4%

20 Other Debt 0-1 Year

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

21 Other Debt over 1 Year

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

22

72%

71%

91%

91%

91%

89%

89%

90%

90%

69%

69%

88%

Total Liabilities

23 Average Volume ($000s): 24 NOW Accounts

21,642

25,179

25,169

23,204

23,469

21,285

23,071

21,763

24,832

21,603

19,037

23,378

25,542

24,629

25 Savings Deposits (including MMDAs)

23,975

24,119

25,193

24,941

23,442

23,187

23,737

23,364

25,037

23,098

48,012

44,701

42,224

26

46,271

44,727

47,323

48,807

48,920

48,662

46,800

Average Total NMD Volume

48,543

48,906

27 CDs< $250M

11,056

11,368

12,628

13,549

10,753

14,135

9,600

13,478

N/A

N/A

N/A

N/A

1,622

1,531

2,599

1,652

1,503

28 CDs> $250M

1,647

1,609

1,586

N/A

N/A

N/A

N/A

11%

10%

12%

7%

29 Non Core Funding to Total Funding

7%

7%

6%

8%

7%

8%

9%

6%

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