1.Analyze NTRS in each of the nine liquidity ratios for the past four quarters.Discuss the trend for each ratio, and what this means for your BHC's liquidity position.Considering all 9 ratios together, is NTRS becoming more or less liquid overall?

2.Compare NTRS to the peer group of banks in each of the nine liquidity ratios.Discuss the comparison for each ratio, and what this means for NTRS's relative liquidity position.Considering all 9 ratios together, is NTRS more or less liquid than the peer group of banks?

3.Discuss how NTRS's liquidity position (trend and comparison to peers) affects performance (ie risk and profitability).

Cash Position Indicator Liquid Securities $0.40000 $0.25000 $0.35000 $0.20000 $0.30000 $0.25000 $0.15000 $0.20000 $0.15000 $0.10000 $0.10000 $0.05000 $0.05000 S- S- Report Date: Report Date: Report Date: Report Date: Report Date: Report Date: Report Date: Report Date 6/30/2020 3/31/2020 12/31/2019 9/30/2019 6/30/2020 3/31/2020 12/31/2019 9/30/2019 19 NTRS Cash Position $0.33588 $0.35294 $0.31991 $0.25535 NTRS Liquid Securities $0.18343 $0.17723 $0.20579 $0.22929 -Peer Groups Cash Position $0.09029 $0.08781 $0.02916 $0.08167 -Peer Groups Liquid Securities $0.14459 $0.15457 $0.15875 $0.16074 20 21 22 23 Net Federal funds and repurchase agreements Capacity Ratio 24 position $0.80000 25 $0.70000 26 $0.01000 27 $0.00500 $0.60000 $- $0.50000 $(0.00500) $0.40000 $(0.01000) $0.30000 $(0.01500) $(0.02000) $0.20000 $(0.02500) $0.10000 Report Date: Report Date: Report Date: Report Date 36 6/30/2020 3/31/2020 12/31/2019 9/30/2019 S- Report Date: NTRS Net Federal funds and repurchase Report Date: Report Date: Report Date: 37 agreements position $0.00642 $(0.02008) $(0.00130) $0.00201 6/30/2020 3/31/2020 12/31/2019 9/30/2019 $0.24824 38 Peer Groups Net Federal funds and NTRS Capacity ratio $0.22228 $0.23387 $0.23038 repurchase agreements position $(0.00172) $(0.00859) $(0.00312) $(0.00480) 39 -Peer Groups Capacity ratio $0.65142 $0.68973 $0.69678 $0.69143 40Pledge Securities Ratio Hot Money Ratio $0.30000 $4.00000 $0.25000 $3.50000 $3.00000 $0.20000 $250000 $0.15000 $200000 $0.10000 $150000 $100000 $0.05000 $0.50000 S- S- Report Date: Report Date: Report Date: Report Date: Report Date: Report Date: Report Date: 6/30/2020 3/31/2020 12/31/2019 9/30/2019 6/30/2020 3/31/2020 12/31/2019 Report Date: 9/30/2019 NTRS Pledge securities ratio $0.20912 $0.20072 $0.25299 $0.27414 NTRS Hot money ratio $0.82456 $0.78206 $0.76499 $0.69754 -Peer Groups Pledge securities ratio $0.05809 $0.05732 $0.04134 $0.04080 -Peer Groups Hot money ratio $3.74763 $1.26279 $1.12499 $1.30688 Deposit Brokerage Index $0.04500 $0.04000 $0.03500 $0.03000 $0.02500 $0.02000 $0.01500 $0.01000 $0.00500 Chart S- Report Date: Report Date: Report Date: Report Date: 6/30/2020 3/31/2020 12/31/2019 9/30/2019 -NTRS Deposit brokerage index $0.00381 -Peer Groups Deposit brokerage index $0.08501 $0.08775 $0.08909 $0.08966 181