ASC D From the Sources and Uses of Funds Statement shown below, calculate the estimated changes in loans and deposits from month-to-month, as well as estimated liquidity needs. (8 marks) Given the results of part (a) above, in which months does the bank have excess or deficient liquidity? (2 marks) How should banks respond to mild liquidity deficiencies, severe liquidity deficiencies and significant idle cash? (6 marks) Calculate the bank's ratio of estimated liquidity sources to liquidity needs. Is there a possibility that the bank will have a liquidity problem at some time in the coming months? [4 marks) Sources and Uses of Funds Statement Estimated Estimated End of Month Total Loans Total Deposits June $180,000 $190,000 July 190,000 180,000 August 210,000 190,000 September 240,000 200,000 October 200,000 210,000 November 180,000 200,000 December 170,000 190,000 Estimated Sources of Liquidity Estimated Estimated End of Month June Asset Liquidity $3,000 Sources of Liabilities $ 5,000 July 4,000 10,000 August 4,000 5,000 September 3,000 3,000 October 2,000 5,000 November 3,000 10,000 December 4,000 10,000