Estimate the Total Cost of Borrowed Funds 1. Fill in worksheet 1 to estimate the total cost of borrowed funds using the output of quarter 1. 2. Operating costs for all loans and deposits should be taken from "Other Non-Interest Operating costs" in your income statement. Be careful to annualize all expenses. That is, the quarterly operating cost must be multiplied by four to annualize it before adding to or subtracting from the contract rate. 3. The contract rate is the rate quoted by the bank for deposits including negotiable CDs and fed funds borrowed, expressed as an annual percentage rate (enter twelve percent as 12.00). See the full balance sheet for the rates 4. Federal Funds Purchased (FFP), Federal Funds Sold (FFS), and Negotiable CDs (NCD) are obtained from perfect capital markets. Hence, they only incur one-time cost. a. Only one operating cost is provided for federal funds. Divide operating costs of federal funds by the total of FFP and FFS. Multiply by 4 for annual rate. b. Only one operating cost is provided for negotiable NCDs. Divide operating costs by the NEW amount of negotiable CDs. For 1 quarter NCD, multiply by 4, for 1-quarter NCD multiply by 2 and 4-quarter NCD multiply by 1, to annualize. 5. For the rest of the individual deposits (corporate and retail demand, retail savings, retail CDs and long-term deposits), divide operating cost by their respective deposits and multiply by 4. 6. Advertising expenses. a. For demand and retail savings deposits without maturity, divide advertising expenses by outstanding quarterly balance and multiply by 4. b. For retail CDs, divide advertising expenses by NEW CDs (T+2) and multiply by 2 because it matures in two quarters. c. For long-term retail deposits, divide advertising expenses by NEW LTRDs (T+8) and divide by 2 because it matures in eight quarters. 7. Fee income is for demand deposits only. Divide fee income by quarterly balance and multiply by 4. 8. FDIC premium: Divide FDIC premium by all deposits including negotiable CDs and multiply by 4. 9. Reserve requirement (RR) is only applicable for demand deposits. Divide total cost by (1 - RR) to obtain total cost of each individual fund. Worksheet 1: Total Costs of Borrowed Funds For each of the following liabilities, compute the total cost expressed as a percentage. Federal Demand Demand Retail Retail Funds Deposits Deposits Savings Negotiable Certificates of Deposit Certificate Purchased Retail Corporate of Deposits No 1-quarter 2-quarter maturity maturity maturity quarter quarter quarter Long-term Retail Time Deposits NO No 8-quarter 1. Nominal or Contract Rate 2. Operating Costs 3. Advertising 4. Fee Income 5. FDIC Premium 6. All-in Cost of These Deposits 7. Reserve Requirement (%) 8. Total Cost of individual Borrowed Funds 00 01 00 0 1 $25.000.00 423% $18,313.76 $0.00 $0.00 $99.452.00 5263,24739 5235,328.13 $265,94784 $120,000.00 $14,739.00 $3,500 29 $1,013,927.84 Summary HelseSheet ASSETS Required Reserves the Federal Reserve) Excers Reserve Balances Federal Funds Soul Fixed Corporate Loans Floating-rate Corporat Loans Consumer Loms Mortgage Loans Government Bonds Fixed Assets Loa Loss Allowance TOTAL ASSETS LIABILITIES Federal Funds Purchased Retail Demand Deposis Corporate Demand Deposits Nerable CDs Savings Depois Retail CDs Long-term Time Deposits Discount Window Advances Net Worth and Retined Earnings TOTAL LIABILITIES AND NET WORTH $17,79763 $0.00 $0.00 $109,468.62 5286,567 23 $231,176.39 $26168166 $120,000.00 $14.3 70.33 53.84158 $1,037.220.48 5 89936.17 0.00% S88040.15 0.00% 400 T2 $25,000.00 $99.44739 $33.000.00 $33.000.00 5.23% $33.000.00 5.23% $3000.00 523% $50.000.00 523% $64.266.51 6.00% T3 $25,000.00 $89,936.17 SR8,040.15 $149,000.00 $64.26661 $251,694.98 $216.63.68 561,375 57 $91,43832 $1,037.220.48 $132,000.00 $58,294 50 5235,816.95 $210,945.86 $75.463.21 $91,269.72 $1.013.92784 S120,743.01 6.00% $130,95197 7.00% 08 Baak Balance Sheet 01 Hak Balance Show ASSETS Required Reeves SI5513.76 $17.79763 LIABILITIES Excess Reserves SO DO S0.00 Federal Funds Purct 525 000 00 Faleral Funds Sold SO DO 50 00 Falaal Funds Purd Federal Funds Rate) 423% 423% Demand Deposit Fixed-rate Corporal $99 45200 109468 62 Rei $9944739 Fixed-rate Corporate 9.00% Real rate) 0.00% Floating-rate Corporate Loans, maring startof: Corporate $35.690.19 T+1 $130 675 66 $132571.74 Corporate) 0.00% T+1 (ratel 4.00% Negetables, maung surtof: T+2 $132.571.74 $153.99549 T+1 533 000.00 T+2 (at) 4.00% 3.70% T+1 (rade) 523% Consumer Loms, matering startof: $33.00000 $62 374 50 $5131391 "T+2 (rade) 5.23% T rade 1 100% 11.00% T+3 55131391 56662209 T rade) 523% T+2 rate) 11.00% 11.00% TH4 $33,000.00 T3 $66.622 09 55521762 T 4 (rate 523% T+1( e) 11.00% 1100% Savings Deposits $58,294.50 $55217.62 558,022.77 Savings Deposit (ra 500% T+4 ( ) 1 100% 10.70% Reals, maaring sorter Read Morte e Loans, maturing startot: T+ $115.073.94 53960230 535.190 68 T 1 (rar) 6.00% T+1 (Tue) 9.00% 9.00% T+2 $120.743.01 $35.190.68 S32.83430 T42 (rate 600% T+2 ( e) 9.00% 900% Long Time Deposis, maaring starter T+3 S32.83430 $28.647.09 T+1 $26.651.00 T+3 ) 900% | 9 | : T he 750% $28.647.09 $34,01286 T+2 $25,47753 T 4( e) 9.00% 9.00% T2 (rade) 7.50% T+5 $34.01286 $33 561 60 T+3 $26.094.26 T+5 rate 9.00% 9.0056 T rate) 7.50% 533 56160 53123488 T+4 $26,308 81 T+6 (Tue) 9.00% 9.00% T rade 730% $312348 $30 864 13 T S $2788983 T+7 (Tue) 9006 90046 T5 (re) 750% $30,864.13 S35 336.11 T46 $26,745.50 T+ ( re) 9.00% 8.70% T+6 (re) 7.50% Government bonds, matering surtof: $26.436.12 S1500000 $1 5 000 00 T 7(rak) 750% $15.000.00 $15.000.00 T+8 $25,342.70 $15.000.00 $15.000 00 T 8(rate) 7.50% T+4 $15,000.00 $15.000 no Discount Window A $75.463.21 $15.000.00 $15.000.00 Discount Window A 51 5000 00 SI 5000 no TQUITY CAPITAL $15.000.00 $15.000.00 Net Worth and Bear $91.269.72 $15.000 DO $15.000 00 TOTAL LIABLITT S1013.927.84 Fixed Assess $14.739.00 $1437053 Loan Loss Allowanc $3500 29 S3.N4158 TOTAL ASSETS $1013.92784 S 103722045 T42 $74536 $32134 544968 $264.12 T+6 $2,309.09 $5,400.01 $6,41348 $5,977.96 $1.869.00 $0.00 $0.00 $23,036.73 $2,459.30 $5,759.01 $6,249.93 $5,555.40 51 869 00 $0.00 $25,47733 7.50% $26,094.26 7.50% $26,308 31 7.30% $2788983 7.30% 526.745.60 750% $26.416.12 750% $25.342.70 750% $32,17382 8 50% $61,375.57 $22,90644 Income and Expense Report CURRENT REVENUE Posis.com Ratu Dand Doposis Corporate Demand Depost Interest Income Fixed Corporate Loans Floating Corporate Loans Consumer Los Mortgage Loans Government Bonds Federal Funds Sold Realized Gain Loss on Bonds TOTAL REVENUE CURRENT EXPENSES Interest Expos Federal Funds Purchased Retail Demand Deposits Corporate Demand Depos Negosable CDs Savings Deposs Long-term Time Deposits Real CDs Discount Window Advances Provision for Loan Losses Advertising Consumer Loans Mortgage Loms Retail Demand Deposis Corporate Demand Deposits Real CDs Savings Depos Long-term Time Deposits Other Non-interest Operaeg Cost FDIC Inverno Premium Federal Funds Fixed-rate Corporate Loans Floating-rate Corporate Loans Consumer Loms Mortgage Loans Government Bonds Retail Demand Deposits Corporate Demand Deposits DD Costs Offset by Excess Reserves Nezoubkan 923% $264.38 50.00 $0.00 $1,725.90 5728 68 $3,955.23 53.537.25 $1,741.31 $634.85 $264.38 50.00 $0.00 $1.948.18 $96400 $4,139.22 54,102 80 $1,416.14 $1.291.75 39143832 $1.037.220.48 $150.00 SRO,00 $410.00 5580.00 $290.00 $140.00 $60.00 SI50.00 SNO.00 $410.00 $580.00 $290.00 $140.00 56000 $575.54 $27.50 $198.90 $52649 $1,162.98 5601.58 $247.50 SI54.90 $376 48 528920 $1.661.77 $30.00 544968 $266.47 50.00 SS5.00 $38.11 $141.73 S113.76 52.368.48 $1584 $22.647.05 5259.39 590.79 $0.00 $0.00 $90.79 $16860 $30.00 $74754 $32114 $0.00 $3630 $76.06 $30894 $26368 $3,099.61 $10525 $22,18734 5849.40 $297.29 50.00 30.00 529729 5552.11 Long-term Time Deposits Premises and Faxed Assets Other Train Cast TOTAL EXPENSES NET CURRENTOPERATING EARNINGS Realized Capital Gans Taxes Applicables Capital Gains Total Taxes TOTAL NET INCOME 01 $120,000.00 $120,758 20 $99,452.00 $129.02 0.13% 0.15% $166.56 $1,000.00 $ 15,000.00 $1,004.95 4.23% $62.30 $15,000.00 $130.675.66 $27421 0.21% 0.37% $1,070.54 $1,006.88 4,83% $62.30 $ 15,000.00 an Performance Rer 0 0 Fixed-Rate Corporate Loans Matured Last Qual $111,402.64 Defaulted ($1,000 $96.44 Peront Defaulted 0.09% Percent Nonperfo 0.14% Nonperforming $136.41 Floating-Rate Corporate Loans Matured Last Qual $148,501.26 Defaulted ($1,001 $27957 Peront Defaulted 0.19% Percent Nonperfo 0.30% Nonperforming $ 792.40 Consumer Loans Matured Last Qual $62.438.61 Defaulted ($1,001 $49030 PercentDefaulted 0.79% Percent Nonperfo 0.98% Nonperforming $2,310.58 Mortgage Loans Matured Last Ouan $34.82221 Defaulted ($1,000 $24.50 PeroentDefaulted 0.07% Percent Nonperfa 0.10% Nonperforming $260.90 . TOTAL Matured 1 $357,164.72 TOTAL Defaulted $890.81 TOTAL Nonperf $3,500.29 $62 374.50 $517.56 0.83% 1.01% $2,339.65 $1.008.78 5.03% $62.30 $15,000.00 $39.602.30 $29.66 0.07% 0.10% $264.84 $1,009.68 5.23% $62.30 $15,000.00 $332,104.46 $950.46 $3,841.58 $1,009.00 5.48% $62.30 $15,000.00 01 $1,007.14 5.73% $62.30 $ 15,000.00 $1,004.12 5.98% $62.30 $15,000.00 lond Portfolio Repo Q0 Book Value of Port $120,000.00 Market Value of Poi $120,775.74 Maturing startof: Quarter T Market Price (T) $1,000.00 Bank Holdings $15,000.00 Quarter T+1 Market Price (T+1 $1,004.95 Market Yield (T+1 4.23% Coupon Amount $6230 Bank Holdings $15,000.00 Quarter T+2 Market Price (T+2 $1,006,90 Market Yield (T+2 4.83% Coupon Amount $62.30 Bank Holdings $15,000.00 Quarter T+3 Market Price (T+3 $1,008.82 Market Yield (T+3 5.03% Coupon Amount $62.30 Bank Holdings $ 15,000.00 Quarter T+4 Market Price (T+4 $1,009.77 Market Yield (T+4 5.23% Coupon Amount $62.30 Bank Holdings $15,000.00 Quarter T+5 Market Price (T+5 $1,009.18 Market Yield (T+5 5.48% Coupon Amount $6230 Bank Holdings $15,000.00 Quarter T+6 Market Price (T+6 $1,007.46 Market Yield (T+6 5.73% Coupon Amount $6230 Bank Holdings $15,000.00 Quarter T+7 Market Price (T+7 $1,004.63 Market Yield (T+7 5.98% Coupon Amount $62.30 Bank Holdings $ 15,000.00 Quarter T+8 Market Price (T+8 $1,000.00 Market Yield (T+8 6.23% Coupon Amount $6230 Capitalization Repo Price Per Share Current quarter $20.75 Prior quarter $19.38 Market Value of Equity Currentquarter $20,746.97 Prior quarter $19,384.26 Book Value of Equity Current quarter $91,269.72 Prior quarter $91,269.72 Number of Shares Outstanding Currentquarter 1,000,000 Prior quarter 1,000,000 Number of shares Sold by Management Current quarter Prior quarter Price of Shares Sold by Management Current quarter $0.00 Prior quarter $0.00 Number of shares Sold by Regulators Current quarter Prior quarter Price of Shares Sold by Regulators Current quarter $0.00 Prior quarter $0.00 Dividends Paid Current quarter $0.00 Prior quarter $0.00 Net Total Assets Current quarter $1,013,927.84 Prior quarter $1,053,390.55 Risk-weighted Assets Current quarter $745,94044 Prior quarter $783,020.64 $783,020.04 Basel Tier I Ratio Current quarter 12.24% Prior quarter 11.66% Basel Tier I+II Ratio Current quarter 12.70% Prior quarter 12.14% Capital Asset Ratio Currentquarter 9.00% Prior quarter 8.66% $25,000.00 $100,000.00 $25,000.00 $0.00 $0.00 $50,000.00 $15.000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1,000.00 6.23% $62.30 01 00 $17.37 $20.75 Decisions 00 Quantities Initial Reserve Alla $0.00 Federal Funds So $0.00 Federal Funds Pu $25,000.00 90-day Negotiabl $0.00 180-day Negotial $0.00 360-day Negotial $33,000.00 New 8-quarter Bo $15,000.00 Bonds to Scil duc $0.00 Bonds to Sell duc $0.00 Bonds to Scll. duc $0.00 Bonds to Sell duc $0.00 Bonds to Sell, duc $0.00 Bonds to Sell. duc $0.00 Bonds to Scll. duc $0.00 Rates Fixed-rate Corpoi 9.30% Floating-rate Loan 4.00% Consumer Loans 11.00% Mortgage Loans 9.00% Corporate Deman 0.00% Retail Demand Da 0.00% Savings Deposits 5.00% Retail CDs 6.00% Long-term Time I 7.50% Advertising Consumer Loans $150.00 Mortgage Loans $80.00 Retail Demand De $410.00 Corporate Deman $580.00 Retail CDs $290.00 Savings Deposits $140.00 Long-term Time I $60.00 Other Miscellaneous Decisions Number of Share Provision for Los $1.00 Corporate Loans Corporate Loan S Total Dividends $0.00 Peroen tof Cost Ch 100.00% Percentof Cost Ch 100.00% $17,369.58 $20,746.97 9.00% 3.70% 10.70% 8.70% 0.00% 0.00% 6.00% 7.00% 8.50% $91,43832 $91,269.72 1,000,000 1,000,000 $150.00 $80.00 $410.00 $580.00 $290.00 $140.00 $60.00 $0.00 $0.00 $500.00 $0.00 $0.00 $0.00 100.00% 100.00% $0.00 $0.00 $1,037,220.48 $1,013,927.84 $772.423.60 3 7 $745,940.44 11.84% 12.24% 12.34% 12.70% 882% 9.00% Estimate the Total Cost of Borrowed Funds 1. Fill in worksheet 1 to estimate the total cost of borrowed funds using the output of quarter 1. 2. Operating costs for all loans and deposits should be taken from "Other Non-Interest Operating costs" in your income statement. Be careful to annualize all expenses. That is, the quarterly operating cost must be multiplied by four to annualize it before adding to or subtracting from the contract rate. 3. The contract rate is the rate quoted by the bank for deposits including negotiable CDs and fed funds borrowed, expressed as an annual percentage rate (enter twelve percent as 12.00). See the full balance sheet for the rates 4. Federal Funds Purchased (FFP), Federal Funds Sold (FFS), and Negotiable CDs (NCD) are obtained from perfect capital markets. Hence, they only incur one-time cost. a. Only one operating cost is provided for federal funds. Divide operating costs of federal funds by the total of FFP and FFS. Multiply by 4 for annual rate. b. Only one operating cost is provided for negotiable NCDs. Divide operating costs by the NEW amount of negotiable CDs. For 1 quarter NCD, multiply by 4, for 1-quarter NCD multiply by 2 and 4-quarter NCD multiply by 1, to annualize. 5. For the rest of the individual deposits (corporate and retail demand, retail savings, retail CDs and long-term deposits), divide operating cost by their respective deposits and multiply by 4. 6. Advertising expenses. a. For demand and retail savings deposits without maturity, divide advertising expenses by outstanding quarterly balance and multiply by 4. b. For retail CDs, divide advertising expenses by NEW CDs (T+2) and multiply by 2 because it matures in two quarters. c. For long-term retail deposits, divide advertising expenses by NEW LTRDs (T+8) and divide by 2 because it matures in eight quarters. 7. Fee income is for demand deposits only. Divide fee income by quarterly balance and multiply by 4. 8. FDIC premium: Divide FDIC premium by all deposits including negotiable CDs and multiply by 4. 9. Reserve requirement (RR) is only applicable for demand deposits. Divide total cost by (1 - RR) to obtain total cost of each individual fund. Worksheet 1: Total Costs of Borrowed Funds For each of the following liabilities, compute the total cost expressed as a percentage. Federal Demand Demand Retail Retail Funds Deposits Deposits Savings Negotiable Certificates of Deposit Certificate Purchased Retail Corporate of Deposits No 1-quarter 2-quarter maturity maturity maturity quarter quarter quarter Long-term Retail Time Deposits NO No 8-quarter 1. Nominal or Contract Rate 2. Operating Costs 3. Advertising 4. Fee Income 5. FDIC Premium 6. All-in Cost of These Deposits 7. Reserve Requirement (%) 8. Total Cost of individual Borrowed Funds 00 01 00 0 1 $25.000.00 423% $18,313.76 $0.00 $0.00 $99.452.00 5263,24739 5235,328.13 $265,94784 $120,000.00 $14,739.00 $3,500 29 $1,013,927.84 Summary HelseSheet ASSETS Required Reserves the Federal Reserve) Excers Reserve Balances Federal Funds Soul Fixed Corporate Loans Floating-rate Corporat Loans Consumer Loms Mortgage Loans Government Bonds Fixed Assets Loa Loss Allowance TOTAL ASSETS LIABILITIES Federal Funds Purchased Retail Demand Deposis Corporate Demand Deposits Nerable CDs Savings Depois Retail CDs Long-term Time Deposits Discount Window Advances Net Worth and Retined Earnings TOTAL LIABILITIES AND NET WORTH $17,79763 $0.00 $0.00 $109,468.62 5286,567 23 $231,176.39 $26168166 $120,000.00 $14.3 70.33 53.84158 $1,037.220.48 5 89936.17 0.00% S88040.15 0.00% 400 T2 $25,000.00 $99.44739 $33.000.00 $33.000.00 5.23% $33.000.00 5.23% $3000.00 523% $50.000.00 523% $64.266.51 6.00% T3 $25,000.00 $89,936.17 SR8,040.15 $149,000.00 $64.26661 $251,694.98 $216.63.68 561,375 57 $91,43832 $1,037.220.48 $132,000.00 $58,294 50 5235,816.95 $210,945.86 $75.463.21 $91,269.72 $1.013.92784 S120,743.01 6.00% $130,95197 7.00% 08 Baak Balance Sheet 01 Hak Balance Show ASSETS Required Reeves SI5513.76 $17.79763 LIABILITIES Excess Reserves SO DO S0.00 Federal Funds Purct 525 000 00 Faleral Funds Sold SO DO 50 00 Falaal Funds Purd Federal Funds Rate) 423% 423% Demand Deposit Fixed-rate Corporal $99 45200 109468 62 Rei $9944739 Fixed-rate Corporate 9.00% Real rate) 0.00% Floating-rate Corporate Loans, maring startof: Corporate $35.690.19 T+1 $130 675 66 $132571.74 Corporate) 0.00% T+1 (ratel 4.00% Negetables, maung surtof: T+2 $132.571.74 $153.99549 T+1 533 000.00 T+2 (at) 4.00% 3.70% T+1 (rade) 523% Consumer Loms, matering startof: $33.00000 $62 374 50 $5131391 "T+2 (rade) 5.23% T rade 1 100% 11.00% T+3 55131391 56662209 T rade) 523% T+2 rate) 11.00% 11.00% TH4 $33,000.00 T3 $66.622 09 55521762 T 4 (rate 523% T+1( e) 11.00% 1100% Savings Deposits $58,294.50 $55217.62 558,022.77 Savings Deposit (ra 500% T+4 ( ) 1 100% 10.70% Reals, maaring sorter Read Morte e Loans, maturing startot: T+ $115.073.94 53960230 535.190 68 T 1 (rar) 6.00% T+1 (Tue) 9.00% 9.00% T+2 $120.743.01 $35.190.68 S32.83430 T42 (rate 600% T+2 ( e) 9.00% 900% Long Time Deposis, maaring starter T+3 S32.83430 $28.647.09 T+1 $26.651.00 T+3 ) 900% | 9 | : T he 750% $28.647.09 $34,01286 T+2 $25,47753 T 4( e) 9.00% 9.00% T2 (rade) 7.50% T+5 $34.01286 $33 561 60 T+3 $26.094.26 T+5 rate 9.00% 9.0056 T rate) 7.50% 533 56160 53123488 T+4 $26,308 81 T+6 (Tue) 9.00% 9.00% T rade 730% $312348 $30 864 13 T S $2788983 T+7 (Tue) 9006 90046 T5 (re) 750% $30,864.13 S35 336.11 T46 $26,745.50 T+ ( re) 9.00% 8.70% T+6 (re) 7.50% Government bonds, matering surtof: $26.436.12 S1500000 $1 5 000 00 T 7(rak) 750% $15.000.00 $15.000.00 T+8 $25,342.70 $15.000.00 $15.000 00 T 8(rate) 7.50% T+4 $15,000.00 $15.000 no Discount Window A $75.463.21 $15.000.00 $15.000.00 Discount Window A 51 5000 00 SI 5000 no TQUITY CAPITAL $15.000.00 $15.000.00 Net Worth and Bear $91.269.72 $15.000 DO $15.000 00 TOTAL LIABLITT S1013.927.84 Fixed Assess $14.739.00 $1437053 Loan Loss Allowanc $3500 29 S3.N4158 TOTAL ASSETS $1013.92784 S 103722045 T42 $74536 $32134 544968 $264.12 T+6 $2,309.09 $5,400.01 $6,41348 $5,977.96 $1.869.00 $0.00 $0.00 $23,036.73 $2,459.30 $5,759.01 $6,249.93 $5,555.40 51 869 00 $0.00 $25,47733 7.50% $26,094.26 7.50% $26,308 31 7.30% $2788983 7.30% 526.745.60 750% $26.416.12 750% $25.342.70 750% $32,17382 8 50% $61,375.57 $22,90644 Income and Expense Report CURRENT REVENUE Posis.com Ratu Dand Doposis Corporate Demand Depost Interest Income Fixed Corporate Loans Floating Corporate Loans Consumer Los Mortgage Loans Government Bonds Federal Funds Sold Realized Gain Loss on Bonds TOTAL REVENUE CURRENT EXPENSES Interest Expos Federal Funds Purchased Retail Demand Deposits Corporate Demand Depos Negosable CDs Savings Deposs Long-term Time Deposits Real CDs Discount Window Advances Provision for Loan Losses Advertising Consumer Loans Mortgage Loms Retail Demand Deposis Corporate Demand Deposits Real CDs Savings Depos Long-term Time Deposits Other Non-interest Operaeg Cost FDIC Inverno Premium Federal Funds Fixed-rate Corporate Loans Floating-rate Corporate Loans Consumer Loms Mortgage Loans Government Bonds Retail Demand Deposits Corporate Demand Deposits DD Costs Offset by Excess Reserves Nezoubkan 923% $264.38 50.00 $0.00 $1,725.90 5728 68 $3,955.23 53.537.25 $1,741.31 $634.85 $264.38 50.00 $0.00 $1.948.18 $96400 $4,139.22 54,102 80 $1,416.14 $1.291.75 39143832 $1.037.220.48 $150.00 SRO,00 $410.00 5580.00 $290.00 $140.00 $60.00 SI50.00 SNO.00 $410.00 $580.00 $290.00 $140.00 56000 $575.54 $27.50 $198.90 $52649 $1,162.98 5601.58 $247.50 SI54.90 $376 48 528920 $1.661.77 $30.00 544968 $266.47 50.00 SS5.00 $38.11 $141.73 S113.76 52.368.48 $1584 $22.647.05 5259.39 590.79 $0.00 $0.00 $90.79 $16860 $30.00 $74754 $32114 $0.00 $3630 $76.06 $30894 $26368 $3,099.61 $10525 $22,18734 5849.40 $297.29 50.00 30.00 529729 5552.11 Long-term Time Deposits Premises and Faxed Assets Other Train Cast TOTAL EXPENSES NET CURRENTOPERATING EARNINGS Realized Capital Gans Taxes Applicables Capital Gains Total Taxes TOTAL NET INCOME 01 $120,000.00 $120,758 20 $99,452.00 $129.02 0.13% 0.15% $166.56 $1,000.00 $ 15,000.00 $1,004.95 4.23% $62.30 $15,000.00 $130.675.66 $27421 0.21% 0.37% $1,070.54 $1,006.88 4,83% $62.30 $ 15,000.00 an Performance Rer 0 0 Fixed-Rate Corporate Loans Matured Last Qual $111,402.64 Defaulted ($1,000 $96.44 Peront Defaulted 0.09% Percent Nonperfo 0.14% Nonperforming $136.41 Floating-Rate Corporate Loans Matured Last Qual $148,501.26 Defaulted ($1,001 $27957 Peront Defaulted 0.19% Percent Nonperfo 0.30% Nonperforming $ 792.40 Consumer Loans Matured Last Qual $62.438.61 Defaulted ($1,001 $49030 PercentDefaulted 0.79% Percent Nonperfo 0.98% Nonperforming $2,310.58 Mortgage Loans Matured Last Ouan $34.82221 Defaulted ($1,000 $24.50 PeroentDefaulted 0.07% Percent Nonperfa 0.10% Nonperforming $260.90 . TOTAL Matured 1 $357,164.72 TOTAL Defaulted $890.81 TOTAL Nonperf $3,500.29 $62 374.50 $517.56 0.83% 1.01% $2,339.65 $1.008.78 5.03% $62.30 $15,000.00 $39.602.30 $29.66 0.07% 0.10% $264.84 $1,009.68 5.23% $62.30 $15,000.00 $332,104.46 $950.46 $3,841.58 $1,009.00 5.48% $62.30 $15,000.00 01 $1,007.14 5.73% $62.30 $ 15,000.00 $1,004.12 5.98% $62.30 $15,000.00 lond Portfolio Repo Q0 Book Value of Port $120,000.00 Market Value of Poi $120,775.74 Maturing startof: Quarter T Market Price (T) $1,000.00 Bank Holdings $15,000.00 Quarter T+1 Market Price (T+1 $1,004.95 Market Yield (T+1 4.23% Coupon Amount $6230 Bank Holdings $15,000.00 Quarter T+2 Market Price (T+2 $1,006,90 Market Yield (T+2 4.83% Coupon Amount $62.30 Bank Holdings $15,000.00 Quarter T+3 Market Price (T+3 $1,008.82 Market Yield (T+3 5.03% Coupon Amount $62.30 Bank Holdings $ 15,000.00 Quarter T+4 Market Price (T+4 $1,009.77 Market Yield (T+4 5.23% Coupon Amount $62.30 Bank Holdings $15,000.00 Quarter T+5 Market Price (T+5 $1,009.18 Market Yield (T+5 5.48% Coupon Amount $6230 Bank Holdings $15,000.00 Quarter T+6 Market Price (T+6 $1,007.46 Market Yield (T+6 5.73% Coupon Amount $6230 Bank Holdings $15,000.00 Quarter T+7 Market Price (T+7 $1,004.63 Market Yield (T+7 5.98% Coupon Amount $62.30 Bank Holdings $ 15,000.00 Quarter T+8 Market Price (T+8 $1,000.00 Market Yield (T+8 6.23% Coupon Amount $6230 Capitalization Repo Price Per Share Current quarter $20.75 Prior quarter $19.38 Market Value of Equity Currentquarter $20,746.97 Prior quarter $19,384.26 Book Value of Equity Current quarter $91,269.72 Prior quarter $91,269.72 Number of Shares Outstanding Currentquarter 1,000,000 Prior quarter 1,000,000 Number of shares Sold by Management Current quarter Prior quarter Price of Shares Sold by Management Current quarter $0.00 Prior quarter $0.00 Number of shares Sold by Regulators Current quarter Prior quarter Price of Shares Sold by Regulators Current quarter $0.00 Prior quarter $0.00 Dividends Paid Current quarter $0.00 Prior quarter $0.00 Net Total Assets Current quarter $1,013,927.84 Prior quarter $1,053,390.55 Risk-weighted Assets Current quarter $745,94044 Prior quarter $783,020.64 $783,020.04 Basel Tier I Ratio Current quarter 12.24% Prior quarter 11.66% Basel Tier I+II Ratio Current quarter 12.70% Prior quarter 12.14% Capital Asset Ratio Currentquarter 9.00% Prior quarter 8.66% $25,000.00 $100,000.00 $25,000.00 $0.00 $0.00 $50,000.00 $15.000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1,000.00 6.23% $62.30 01 00 $17.37 $20.75 Decisions 00 Quantities Initial Reserve Alla $0.00 Federal Funds So $0.00 Federal Funds Pu $25,000.00 90-day Negotiabl $0.00 180-day Negotial $0.00 360-day Negotial $33,000.00 New 8-quarter Bo $15,000.00 Bonds to Scil duc $0.00 Bonds to Sell duc $0.00 Bonds to Scll. duc $0.00 Bonds to Sell duc $0.00 Bonds to Sell, duc $0.00 Bonds to Sell. duc $0.00 Bonds to Scll. duc $0.00 Rates Fixed-rate Corpoi 9.30% Floating-rate Loan 4.00% Consumer Loans 11.00% Mortgage Loans 9.00% Corporate Deman 0.00% Retail Demand Da 0.00% Savings Deposits 5.00% Retail CDs 6.00% Long-term Time I 7.50% Advertising Consumer Loans $150.00 Mortgage Loans $80.00 Retail Demand De $410.00 Corporate Deman $580.00 Retail CDs $290.00 Savings Deposits $140.00 Long-term Time I $60.00 Other Miscellaneous Decisions Number of Share Provision for Los $1.00 Corporate Loans Corporate Loan S Total Dividends $0.00 Peroen tof Cost Ch 100.00% Percentof Cost Ch 100.00% $17,369.58 $20,746.97 9.00% 3.70% 10.70% 8.70% 0.00% 0.00% 6.00% 7.00% 8.50% $91,43832 $91,269.72 1,000,000 1,000,000 $150.00 $80.00 $410.00 $580.00 $290.00 $140.00 $60.00 $0.00 $0.00 $500.00 $0.00 $0.00 $0.00 100.00% 100.00% $0.00 $0.00 $1,037,220.48 $1,013,927.84 $772.423.60 3 7 $745,940.44 11.84% 12.24% 12.34% 12.70% 882% 9.00%
