Hello, here are the relevant details regarding financing - income statement and balance sheet for ABC Bank Inc.

I attached the spreadsheet, tab 1 is the 2014 finance information, tab 2 is the income statement, tab 3 is balance sheet

Question in regard to Bank Balance Sheets, when I incorporate the Total Deposits in liabilities, and the Securities in Asset...noted that the retained earnings calculated in the negative. ...not sure what I did, but if it is truly negative then the bank is not healthy and cannot pay any dividends and may not be solvent. the problem stated:

you will create a Balance Sheet and Income Statement for a bank. Below are accounts and balances for 2014 year-end of ABC Bank, Inc. Note that the Retained Earnings account has not yet been adjusted for 2014 net income and dividends so you will have to compute the year-end balance in Retained Earnings for the Balance Sheet

Accounts and Balances for 2014 Year-End of ABC Bank, Inc In $000's Cash & due from banks Common stock Dividends paid [2] Employee expenses Fed. Funds and reverse repurchases Fee income Gain from security trading Goodwill & other assets Gross loans and leases Income tax expense Interest expense Interest income Loan loss allowance Long-term bonds payable Miscellaneous other income Other borrowed funds Other expense Other liabilities Preferred stock Provision for loan losses Retained Earnings [1] Securities Surplus Total deposits 21,860 9,136 20,010 28,804 137,313 23,930 3,064 141,341 846,833 9,104 5,161 48,391 17,060 127,379 15,862 57,175 21,594 76,668 12,883 7,217 77,733 292,681 59,802 1,002,835 ABC Bank Inc Income Statement for the year ended 31 Dec 2014 (In 000s) Revenue Items Total Interest Income Total Interest Expense Net Interest Income 48391 5161 43230 Provisions for loan and lease losses 7,217 Total Non Interest Income Fee Income Trading Account Gains and Fees Other or Misc Non Interest Income 42856 23930 3064 15862 Total Non Interest Expense Wages, Salaries, & Employee Benefits Additional Non Interest Expenses 50,398 28,804 21,594 Pretax Net Operating Income Applicable Income Tax Expenses Net Income 28,471 9,104 19,367 ABC Bank Inc Income Statement for the year ended 31 Dec 2014 (In 000s) Assets - Uses of Funds Total Uses of Funds (C+S+L+ (-Contra Asset)+MA) Cash and Due from Depository Institutions (C ) Securities (S) Loans and Losses (L) Allowances for Loan Losses (Contra Asset) Intangible and Misc Other Assets (MA) 1,285,655 21,860 292,681 846,833 17,060 141,341 Liabilities & Equity - Sources of Funds (includes financial inputs) Total Liabilities & Equity (D+ NDB+EC) Total Liabilities Deposits Federal funds pruchased & repurchase agreements (NDB) Other borrowed funds (NDB) All other liabilities Total Equity Capital Preferred Stock Common Stock Retained Earnings (undivided profits)** Misc Equity Capital Componentes Surplus Capital Misc Equity Capital Components (EC) Long Term Bonds Payable 1,285,655 1,273,991 1,002,835 137,313 57,175 76,668 11,664 12,883 9,136 -197,536 59,802 127,379 ** Retained Earnings account has not yet been adjusted for 2014 net income and dividends, will compute the year-end balance in Retained Earnings for the Balance Sheet