Large Bank Examination Workshop February 2026

Example: Sources and Uses

As of 12/31/XX - Forecast for next 6 months

Sources and Uses

Cash flow in (out)

Draws on existing LOC

(150,000) (255,000) (50,000)

Loans in pipeline/expected renewal

Seasonal deposit withdrawal

Fed funds sold

5,000

Maturing loans/invest

300,000

Cash flow surplus (deficit) Unencumbered securities Correspondent line availability

(150,000)

25,000 75,000

69

Modeling Cash Flow

Planning

Expected Unexpected

Budget

“What If” Scenario

Potential Gaps Identifying

70

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