A1 X fx A B D Find historic information below and it's assumptions to build forecast for the next three years C 1 2 ABC Corporation 3 G Find historic information below and it's assumptions to build forecast for the next three years Historical Historical Historical Projected Projected Projected 20AC E F H 20AA 20AB 20AD 20AE 20AF 4 Balance Sheet Assumptions 5 Cash and equivalents - % Interest bearing deposits 6 Investment securities - $ balance 7 Other securities - $ balance 8 Gross loan growth-% 9 Allowance for loan losses - % Gross loans 10 Loans held for sales - $ balance 11 Accrued interest receivable - % Gross loans 12 Other current assets -$ balance 13 Long term assets - $ balance 14 Interest bearing deposits - % Gross loans 15 Other deposits -% Gross loans 16 Accrued expenses - % growth rate 17 Other current liabilities - % Total interest income 18 Other noncurrent liabilities - $ balance 19 Common stock - $ balance 20 Other comprehensive income - $ balance 21 22 ABC Corporation 23 24 Income Statement Assumptions 25 Interest rate on loans 26 Rate earned on investments 27 Interest rate on total deposits 28 Interest rate paid on short term borrowings 29 Noninterest income - $ amount 30 Provision for loan losses - % Gross loans 31 Salaries & benefits - % Gross loans 32 General & administrative expenses - % Growth rate 33 other expenses - $ 34 Effective tax rate % 35 Dividends - % Net income DEE 4.0% 4.0% 4.0% 1100.0 1150.0 1200.0 530.9 530.9 530.9 5.0% 5.0% 5.0% 1.75% 1.75% 1.75% 120.0 120.0 120.0 0.5% 0.5% 0.5% 237.3 237.3 237.3 264.3 264.3 264.3 70% 70% 70% 45% 45% 45% 15% 15% 15% 55% 55% 55% 2.4 2.4 2.4 480.6 480.6 480.6 -18.00 -18.00 -18.00 Historical Historical Historical Projected Projected Projected 20AA 20AB 20AC 20AD 20AE 20AF 4.5% 4.5% 4.5% 4.0% 4.0% 4.0% 0.7% 0.7% 0.7% 3.5% 3.5% 3.5% 135.0 140.0 150.0 0.3% 0.3% 0.3% 3.0% 3.0% 3.0% 2.5% 2.5% 2.5% 35.0 38.0 43.0 23.0% 23.0% 23.0% 50.0% 50.0% 50.0% J K L M N A1 37 38 A Find historic information below and it's assumptions to build forecast for the next three years B E F G H 39 ABC Corporation 40 41 Balance Sheet 42 Cash and equivalents 43 Investment securities 44 Other securities 45 Total investments 20AA Historical Historical Historical Projected Projected Projected 20AD 20AE 20AB 20AC 20AF 250.3 240.4 156.4 1,087.2 1,237.8 1,046.7 699.2 608.9 530.9 2,036.7 2,087.1 1,734.0 46 Gross loans 4,562.2 4,850.2 6,085.9 47 Allowance for loan losses (84.7) (85.9) (97.3) 48 Net loans 4,477.5 4,764.3 5,988.6 49 Loans held for sales 83.7 201.9 118.2 50 Accrued interest receivable 19.8 21.9 25.8 51 Other current assets 361.2 311.4 237.3 52 Long term assets 248.4 260.4 264.3 53 Total assets 54 55 Interest bearing deposits 56 Other deposits 57 Total deposits 58 Accrued expenses 59 Short-term borrowings 7,227.3 7,647.0 8,368.2 3,947.4 4,000.8 4,233.0 2,310.6 2,676.3 2,968.5 6,258.0 6,677.1 7,201.5 70.2 81.0 95.1 1.8 3.0 114.0 60 Other current liabilities 142.5 137.1 160.2 61 Current liabilities 214.5 221.1 369.3 62 Other noncurrent liabilities 1.5 1.8 2.4 63 Total liabilities 6,474.0 6,900.0 7,573.2 64 65 Common stock 524.1 476.7 480.6 66 Retained earnings 247.2 297.3 332.4 67 Other comprehensive income (18.0) (27.0) (18.0) 68 Total common equity 753.3 747.0 795.0 69 70 Total liabilities & equity 71 7,227.3 7,647.0 8,368.2 DEE K L M N D105 A fx B E F G H 71 72 ABC Corporation 73 74 Income Statement 75 Interest income on loans 76 Income on investments 77 Total interest income 78 Interest on deposits 79 Interest on borrowings 80 Total interest expense 81 Net interest income Historical Historical Historical Projected Projected Projected 20AD 20AE 20AA 20AB 20AC 20AF 222.7 232.6 262.9 19.7 27.2 32.0 242.4 259.8 294.9 12.0 14.7 20.4 5.4 5.7 6.9 17.4 20.4 27.3 225.0 239.4 267.6 82 Non interest income 115.2 123.9 127.5 83 Provision for loan losses 6.6 8.1 9.6 84 Salaries & benefits 140.1 144.0 159.9 85 General & administrative expenses 64.8 64.2 63.6 86 other expenses 35.4 30.6 30.9 87 Earnings before tax 93.3 116.4 131.1 88 Tax expense 30.6 40.5 46.2 62.7 75.9 84.9 89 Net income 90 91 Dividends paid 92 93 94 95 96 97 98 99 100 101 102 103 104 105 DEE 25.8 49.8 K L M N