Bank Analysis School eBook

“Reliance on non-core funding sources is a risky strategy. These funds may not be available in times of financial stress and can lead to liquidity shortfalls.”

Summary Analysis of Failed Banks Office of Inspector General, September 2011

Non-Core Funding (UBPR Page 10)

• Time certificates of deposit $250,000 or greater • Brokered deposits • Foreign office deposits (rare) • Securities sold under agreement to repurchase • Federal funds purchased • Other borrowings (e.g. Federal Home Loan Bank, Federal Reserve Bank, etc.)