Bank Analysis School Case Study

FDIC Certificate # XXXX OCC Charter # 0 Public Report

SUNNY STATE BANK Liquidity & Funding--Page 10

Liquidity & Funding

12/31/20X5

12/31/20X4

12/31/20X3

12/31/20X2

12/31/20X1

Percent of Total Deposits

BANK 90.16

PG 10 87.41 11.76

PCT

BANK 89.71 10.29

PG 10 88.57 10.41

PCT

BANK 91.68

PG 10 89.42

PCT

BANK 94.14

PG 10 88.75

PCT

BANK 94.09

PG 10 89.32

PCT

Individ, Partnerships, and Corp. U.S. Govt, States & Political Sub in U.S. Comml Banks & Other Dep Inst. in U.S.

59 40 73 98 98 93 93 20 98 98 98 6

50 52 80 98 97 97 94 25 98 98 98 89 35 73 10 93 30 28 80 86 75 72 3 3

63 38 74 98 98 98 91 37 98 98 98 3

72 30 76 98 98 95 88 46 98 98 98 3

71 34 74 99 99 95 91 41 99 99 99 80 40 78 15 89 28 25 83 84 73 87 7 3

9.84 0.00 0.00 0.00

8.32 0.00 0.00 0.00

9.85 0.29 0.00 0.00

5.86 0.00 0.00 0.00

9.57 0.42 0.00 0.00

5.91 0.00 0.00 0.00

9.19 0.44 0.00 0.00

0.25 0.00 0.00

0.00 0.00 0.00

0.22 0.00 0.01

Banks in Foreign Countries Foreign Govts and Official Inst.

Total deposits

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

Domestic Demand Deposits Domestic Other Transaction Accts Domestic Nontransaction Accts Total Domestic Deposits Deposits in Foreign Offices

14.18 36.24 49.58 100.00

25.64 15.07 58.10 100.00

12.52 33.81 53.68 100.00

25.38 14.25 58.92 100.00

12.03 31.23 56.73 100.00

24.32 15.00 59.48 100.00

12.49 27.56 59.95 100.00

23.99 15.48 59.56 100.00

13.39 26.74 59.87 100.00

22.97 14.65 61.82 100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Total Deposits

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

Liquidity/Funding Ratios Net Non Core Fund Dep $250M

10.78 80.33 7.16 11.65 37.99 7.77 68.25 69.50

-7.00 82.26 3.50 559.56 198.84 -10.73 71.79 75.69 67.20

92 37 84

8.98 79.40 6.89 44.33 45.27 7.02 65.07 66.49

-6.36 82.30 3.60 511.69 184.80 -9.94 72.31 76.16 64.22

9.14 81.91 3.09 7.92 35.32 6.73 64.90 66.38

-7.78 82.97 2.69 775.31 193.73 -10.87 70.95 74.12 67.01

86 40 62

7.70 82.19 4.70 1.47 25.97 10.95 65.13 66.15

-7.19 83.09 2.84 924.47 176.54 -8.76 69.86 73.02 48.36

86 42 75

5.97 81.66 5.82 41.45 35.79 9.47 59.80 61.69

-6.24 82.54 3.37 593.09 152.43 -6.91 69.89 73.09 55.80

Core Deposits

Short Term Non Core Funding S.T Inv to S.T. Ncore Fund S.T. Asset to S.T. Liabilities Net S.T. Liabilities to Assets Net Loans & Leases to Deposits Net LN&LS to Core Deposits Brkr Dep Mat < 1 Yr to Brkr Deps Brokered Deposits to Deposits Listing Service Dep to Deposits List Service and Brkrd Dep to Deps Sec Bor + sec FFP to Tot Bor + FFP Recip Brkrd Dep to Tot Brkrd Dep Total Deposits Individ, Partnerships, and Corp. U.S. Govt, States & Political Sub in U.S. Comml Banks & Other Dep Inst. in U.S.

6 1

4 1

3 2

93 39 40 79 87 75 75

91 30 30 80 85 75 75

93 34 32 80 82 71 88

N/A 0.00 0.00 0.00 0.00 N/A

N/A

N/A 0.00 0.00 0.00 0.00 N/A

N/A

N/A 0.00 0.00 0.00 0.00 N/A

N/A

N/A 0.00 0.00 0.00 0.00 N/A

N/A

N/A 0.00 0.00 0.00 0.00 N/A

N/A

0.46 0.16 0.83 3.60

0.43 0.25 1.05 4.73

0.30 0.17 0.73 4.99

0.31 0.49 1.10 0.52

0.19 0.50 1.08 1.84

27.45

N/A

36.95

N/A

35.93

N/A

30.27

N/A

35.29

N/A

60,637 6,619

62,671 7,190

64,650 5,869

63,634 3,962

64,833 4,072

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

Banks in Foreign Countries Foreign Govts and Official Inst.

Total Deposits

67,256

69,861

70,519

67,596

68,905

Domestic Demand Deposits Domestic Other Transaction Accts Domestic Nontransaction Accts

9,535 24,374 33,347 67,256

8,745 23,617 37,499 69,861

8,486 22,026 40,007 70,519

8,444 18,629 40,523 67,596

9,224 18,427 41,254 68,905

Total Domestic Deposits Deposits in Foreign Offices

N/A

N/A

N/A

N/A

N/A

Total Deposits

67,256

69,861

70,519

67,596

68,905

Other Liquidity/Funding Data Non Core Liabilities $250M Short Term Non Core Funding

8,332 5,889 66,046 4,415 5,358

9,131 5,931 68,369 5,112 6,500

6,815 2,600 68,941 6,162 7,583

5,479 3,806 66,560 8,170 8,094

6,116 4,760 66,789 7,298 11,158 1,760

Core Deposits

Time Deps $250M & Under Mat < 1 Yr Time Deps $250M & Under Mat > 1 Yr Time Deps over $250M Mat < 1 Yr Time Deps over $250M Mat > 1 Yr Fed Home Loan Bor Mat < 1 Yr Fed Home Loan Bor Mat > 1 Yr Other Borrowing Mat < 1 Year Other Borrowing Mat > 1 Year

766 443

292

362

363 673

1,200 2,000 2,000

1,215 1,000 3,000

356

1,000 2,000

3,000 1,000

3,000 1,000

0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

Secured Other Borrowings Federal Funds Purchased Secured Fed Funds Purchased Listing Service Deposits

4,123

3,639

1,238

443

Brokered Deposits

Reciprocal Brokered Deposits