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Posted on Jul 11, 2024

Consider your banks Uniform Bank Performance Report (UBPR) and provide an overview of your banks liquidity by reviewing the following areas: Liquidity and Funding Ratios

Consider your banks Uniform Bank Performance Report (UBPR) and provide an overview of your banks liquidity by reviewing the following areas:

Liquidity and Funding Ratios especially the Net Non-Core Funding Dependence and Loan to Assets Ratios The first ratio measures the degree to which the bank is funding longer-term assets (loans, securities that mature in more than one year, etc.) with non-core funding. Non-core funding includes funding that can be very sensitive to changes in interest rates such as brokered deposits, CDs greater than $100,000, and borrowed money. Higher ratios reflect a reliance on funding sources that may not be available in times of financial stress or adverse changes in market conditions. What are the trends in these ratios? How do they compare to the peer?

The availability of liquid assets readily convertible to cash without undue loss- Consider Federal funds sold, available for sale securities, loans for sale, etc.

Core deposit/asset growth - Are core deposits capable of funding anticipated asset growth?

Diversification of funding sources - A bank with strong liquidity has a strong core deposit base, established borrowings lines, and procedures in place for acquiring internet-based or other forms of emergency borrowing.

External Forces - Economic conditions, competition, marketing efforts, etc. have a material impact on the need for liquidity going forward.

B H A Merge & Centre $ % 9 Conditional Format Cel Formatting as Table Styles Format 114 Vfx+12/E126 A E G 1 Aases per employee in milions) Loans per employee (Loans touto per oployee Not income per employee in thous -ROAX Assets per employee Management $3.58 51.96 16 66 3.75 RO $50.54 33.88 $2.13 9.2T FAVORABLE $132 FLUCTUATINO $2.52 IMPROVING 558 25 FLUCTUATING 37137 3. Earnings Record 1.35% 1315 3.89 40 0.25 0.41% 4.15% 1.405 14 2.64 2.62% 0.11 1.215 1.24 5.70% 6.79% 9. 3622 IVO 2570 5:05 5.44% HOW 634 353 02.10 Net income Average Toul Assets (ROA) 7 nerest Income Avenge Total Assets arest Expensiverage Total Assets Not interest MarginNotint in Av Eaming Assets) Non-Interest Income Average Total Assets Non-crest Expenses Average Total Assets o Provision for Loan Loverage Total Assets 00 Personnel Expenses/Average Total Assets Ol Yield on Total Loans & Leases 05 Average aming Asets Average Total Assets 10 Rerum on Equity (ROE) 30 Not Profit Maagin (NPM 08 Degree of Amnet Ulization (AU) me Equity Multi (EM) 10 Encantato 7121 113 Not Non-Core Funding Dependence Rato 114 Avenge NetLoan to Average Total Assets 115 Average Core Deposit Average Total Arts 116 Netteans to Total Deposits . 1.94% 4315 0.48% 443 1.46% 2.73% 0.09% 1.31% 6.09% 26.1% 11.30 33.JN 5. 594 51.524 0013484540 FLUGTUATING 0.037370113 FLUCTUATING 003521984 IMPROVING 3.81 FLUCTUATING 0.012558632 FLUCTUATINO 002741201 FLUGTUATING 0.004463741 FLUGTUATING 0.011629011 ROVING 0.054193723 IMPROVING 8757% FLUCTUATING 10FLUCTUATING 27015 FLUCTUATING 0.0199275 IMPROVING 12 FLUCTUATING 5331 FLUCTUATING 11 Liquidity . 5.90 62.58% 24.14% 8341% RIVO 7800 3.3 FAVORANE 18.75% 5.95 6430 KON 1909 DETERIORATINO IMPROVING 651 IMPROVINO 79 57 IMPROVING 118 116 Net Position Gap 1 year 120 Net Putton Gap 3 year 1211 Sensitivity to Market Risk 004 31.64 37.85 . 4950 1023 954 FUCTUATING 38.38 FLUCTUATING FAVORABLE 38.45 FAVORABLE Average Data 124 Average Equity Captal 125 Average Earning Assets Average Total Asset tar Average Core Depo 129 Average NetLoans & lases 12 Average Gross Loans & Less to Average Total Depois 1,364,319 7.462.851 9,855 218 5,416 292 4,751,437 4,797 764 5013,324 1,454 816 7,411.620 8,537 555 5.553.000 5.002.208 5045414 0.128.473 1.512.790 8103,737 9.253.685 6,025.604 5.393400 5450958 6037.50 27 W HE Assets per employee (in milions) Loans per employee Loans to assets x Assets per employee) Net income per employee (in thous - ROAX Assets per employee) 927 FAVORABLE Management $3.55 $1.95 $67.66 3.76 $2.01 $50.64 5358 $2.13 $7137 54.32 FLUCTUATING $2.52 IMPROVING $58.25 FLUCTUATING Net Income Average Total Assets (ROA) Interest Income Average Total Assets Interest Expense/Average Total Assets Net interest Margin(Net Intino/Av Earning Assets) Non-Interest Income/Average Total Assets Noninterest Expenses. Average Total Assets Provision for Loan Losses/Average Total Assets Personnel Expenses Average Total Assets Yield on Total Loans & Lenses Average Earning As sets/Average Total Assets Return on Equity (ROE) Net Proft Margin (NPM) Degree of Aaset Ulation (AU) Equity Multipler(EM) Elficiency ratio Earnings Record 1.35% 1.91 3.68% 4,03% 0.32% 0.415 3.78% 4.15% 1.40% 140% 2.645 2.62% 0.11% 0.02% 1.21% 1.24% 5.26% 5.79% 89.85% 86.225 DIVIDI 11.965 26.70% 35.00% 5.05% 5.44% IWO! 6.34 55.39% 52.18% 1.94% 4.31% 0 46% 4.43 1464 2.73% 0.09% 1315 809 85B1% 11.35% 3363 5.77% 5.94 51.52% 0.013484549 FLUCTUATING 0.037370113 FLUCTUATING 0.003521974 IMPROVING 3.81% FLUCTUATING 0.012558832 FLUCTUATING 0.024741201 FLUCTUATING 0.004463241 FLUCTUATING 0.011629011 IMPROVING 0.054 193723 IMPROVING 87 57% FLUCTUATING 8.14% FLUCTUATINO 27015 FLUCTUATING 0.04992785 IMPROVING 6.12 FLUCTUATING 53.31% FLUCTUATING 6.23% FAVORABLE Net Non-Core Funding Dependence Ratio Average Net Loans to Average Total Assets Average Core Depost Average Total Assets Net Loans to Total Deposits 24.14% 53.41% OWO 78.00% Liquidity 19.79% 54 90% 6258% 8003% 18.75% 57 91% 64 30% 83.16% 10.09% DETERIORATING 58.28% IMPROVING 65,12% IMPROVING 79.57% IMPROVING Net Position Gap 1 year Net Position Gap 3 year Sensitivity to Market Risk 40.48 3152 37 85 31.90 49.52 40.23 55.4 FLUCTUATING 38.55 FLUCTUATING 53.95 FAVORABLE 38.45 FAVORABLE Average Data Average Equity Capital Average Earning Assets Average Total Assets Average Core Deposts Average Net Loans & leases Average Gross Loans & Leases Average Total Deposits Average Tier 1 Capital Average Total risk-based-capital Average total risk-weighted assets 1,364 319 7.462.861 8.655 218 5,416,292 4.751 437 4.797.764 6,013,324 1.160,318 1,210,588 6,755 672 1,454,816 7,411,525 8,637,565 5,553,986 5.002.208 5,045,454 6,128,473 1,234.770 1,281.780 6,962.193 1,512.790 8,103.737 9.253.685 6,025.604 5.393400 5450,958 6,637,543 1.261427 1.322,384 6,992,619 B H A Merge & Centre $ % 9 Conditional Format Cel Formatting as Table Styles Format 114 Vfx+12/E126 A E G 1 Aases per employee in milions) Loans per employee (Loans touto per oployee Not income per employee in thous -ROAX Assets per employee Management $3.58 51.96 16 66 3.75 RO $50.54 33.88 $2.13 9.2T FAVORABLE $132 FLUCTUATINO $2.52 IMPROVING 558 25 FLUCTUATING 37137 3. Earnings Record 1.35% 1315 3.89 40 0.25 0.41% 4.15% 1.405 14 2.64 2.62% 0.11 1.215 1.24 5.70% 6.79% 9. 3622 IVO 2570 5:05 5.44% HOW 634 353 02.10 Net income Average Toul Assets (ROA) 7 nerest Income Avenge Total Assets arest Expensiverage Total Assets Not interest MarginNotint in Av Eaming Assets) Non-Interest Income Average Total Assets Non-crest Expenses Average Total Assets o Provision for Loan Loverage Total Assets 00 Personnel Expenses/Average Total Assets Ol Yield on Total Loans & Leases 05 Average aming Asets Average Total Assets 10 Rerum on Equity (ROE) 30 Not Profit Maagin (NPM 08 Degree of Amnet Ulization (AU) me Equity Multi (EM) 10 Encantato 7121 113 Not Non-Core Funding Dependence Rato 114 Avenge NetLoan to Average Total Assets 115 Average Core Deposit Average Total Arts 116 Netteans to Total Deposits . 1.94% 4315 0.48% 443 1.46% 2.73% 0.09% 1.31% 6.09% 26.1% 11.30 33.JN 5. 594 51.524 0013484540 FLUGTUATING 0.037370113 FLUCTUATING 003521984 IMPROVING 3.81 FLUCTUATING 0.012558632 FLUCTUATINO 002741201 FLUGTUATING 0.004463741 FLUGTUATING 0.011629011 ROVING 0.054193723 IMPROVING 8757% FLUCTUATING 10FLUCTUATING 27015 FLUCTUATING 0.0199275 IMPROVING 12 FLUCTUATING 5331 FLUCTUATING 11 Liquidity . 5.90 62.58% 24.14% 8341% RIVO 7800 3.3 FAVORANE 18.75% 5.95 6430 KON 1909 DETERIORATINO IMPROVING 651 IMPROVINO 79 57 IMPROVING 118 116 Net Position Gap 1 year 120 Net Putton Gap 3 year 1211 Sensitivity to Market Risk 004 31.64 37.85 . 4950 1023 954 FUCTUATING 38.38 FLUCTUATING FAVORABLE 38.45 FAVORABLE Average Data 124 Average Equity Captal 125 Average Earning Assets Average Total Asset tar Average Core Depo 129 Average NetLoans & lases 12 Average Gross Loans & Less to Average Total Depois 1,364,319 7.462.851 9,855 218 5,416 292 4,751,437 4,797 764 5013,324 1,454 816 7,411.620 8,537 555 5.553.000 5.002.208 5045414 0.128.473 1.512.790 8103,737 9.253.685 6,025.604 5.393400 5450958 6037.50 27 W HE Assets per employee (in milions) Loans per employee Loans to assets x Assets per employee) Net income per employee (in thous - ROAX Assets per employee) 927 FAVORABLE Management $3.55 $1.95 $67.66 3.76 $2.01 $50.64 5358 $2.13 $7137 54.32 FLUCTUATING $2.52 IMPROVING $58.25 FLUCTUATING Net Income Average Total Assets (ROA) Interest Income Average Total Assets Interest Expense/Average Total Assets Net interest Margin(Net Intino/Av Earning Assets) Non-Interest Income/Average Total Assets Noninterest Expenses. Average Total Assets Provision for Loan Losses/Average Total Assets Personnel Expenses Average Total Assets Yield on Total Loans & Lenses Average Earning As sets/Average Total Assets Return on Equity (ROE) Net Proft Margin (NPM) Degree of Aaset Ulation (AU) Equity Multipler(EM) Elficiency ratio Earnings Record 1.35% 1.91 3.68% 4,03% 0.32% 0.415 3.78% 4.15% 1.40% 140% 2.645 2.62% 0.11% 0.02% 1.21% 1.24% 5.26% 5.79% 89.85% 86.225 DIVIDI 11.965 26.70% 35.00% 5.05% 5.44% IWO! 6.34 55.39% 52.18% 1.94% 4.31% 0 46% 4.43 1464 2.73% 0.09% 1315 809 85B1% 11.35% 3363 5.77% 5.94 51.52% 0.013484549 FLUCTUATING 0.037370113 FLUCTUATING 0.003521974 IMPROVING 3.81% FLUCTUATING 0.012558832 FLUCTUATING 0.024741201 FLUCTUATING 0.004463241 FLUCTUATING 0.011629011 IMPROVING 0.054 193723 IMPROVING 87 57% FLUCTUATING 8.14% FLUCTUATINO 27015 FLUCTUATING 0.04992785 IMPROVING 6.12 FLUCTUATING 53.31% FLUCTUATING 6.23% FAVORABLE Net Non-Core Funding Dependence Ratio Average Net Loans to Average Total Assets Average Core Depost Average Total Assets Net Loans to Total Deposits 24.14% 53.41% OWO 78.00% Liquidity 19.79% 54 90% 6258% 8003% 18.75% 57 91% 64 30% 83.16% 10.09% DETERIORATING 58.28% IMPROVING 65,12% IMPROVING 79.57% IMPROVING Net Position Gap 1 year Net Position Gap 3 year Sensitivity to Market Risk 40.48 3152 37 85 31.90 49.52 40.23 55.4 FLUCTUATING 38.55 FLUCTUATING 53.95 FAVORABLE 38.45 FAVORABLE Average Data Average Equity Capital Average Earning Assets Average Total Assets Average Core Deposts Average Net Loans & leases Average Gross Loans & Leases Average Total Deposits Average Tier 1 Capital Average Total risk-based-capital Average total risk-weighted assets 1,364 319 7.462.861 8.655 218 5,416,292 4.751 437 4.797.764 6,013,324 1.160,318 1,210,588 6,755 672 1,454,816 7,411,525 8,637,565 5,553,986 5.002.208 5,045,454 6,128,473 1,234.770 1,281.780 6,962.193 1,512.790 8,103.737 9.253.685 6,025.604 5.393400 5450,958 6,637,543 1.261427 1.322,384 6,992,619