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Posted on Sep 06, 2024

I need to calculate the GAP Analysis for 2018 and 2017? J41 - fe 2017 X B Balance Sheet C D E F I J

I need to calculate the GAP Analysis for 2018 and 2017?

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J41 - fe 2017 X B Balance Sheet C D E F I J K 2018 2017 ASSETS 4 Loans $ 5 Securities $ 6 Overnight Loans $ 7 TOTAL INTEREST EARNING ASSETS $ 2017 Average Balance $ 1,236,336 $ 1,369,569 14,050,453 4,215,761 558,454 | 18.824.668 $ $ $ $ H Total Securities 2018 Within 1Year Average Balance U.S. Treasury $ 811,835 Government Agency $ 2,176,143 Residential Mortgage Backed S$ 373 State, County & Municipal Bond $ 244 Equity Securities | $ 15,313 Corporate $ 252,820 TOTAL SHORT TERM SECURITI $ 3,256,728 13 865 815 3,641,093 951,252 18,458,160 | $ $ $ $ 757 17,231 163,170 2.787066 9 Cash 10 Capital Equipment 11 Other 12 TOTAL NON-INTEREST EARNING ASS $ 14 TOTAL ASSETS $ 486,812 846,989 1,218,470 2,552,271 535,687 844,843 1,192,051 2,572,581 21,376,939 $ 21,030,741 NNNNNNNNNNHOU ONE OVOGA Longer than 1 year Average Balance U.S. Treasury $ 75,984 Agency $ 416,066 Residential MBS $ 306,848 State, County $ 797 Corporate $ 159,338 TOTAL LONG TERM SECURITIE $ 959,033 Average Balance | $ 502,954 1$ 50.417 143 542 499 $ 156,615 $ 854,027 LIABILITIES 19 Checking winterest Deposits $ 20 Savings Deposits $ 21 Money Market Accounts $ 22 Time Deposits $ 23 TOTAL INTEREST BEARING DEPOSITS $ 1,933,723 826,881 5,514,920 5,350,249 13.625.773 $ $ $ $ $ 1,772,298 724,219 4,827,021 6,443,916 13,767,454 TOTAL SECURITIES $ 4,215,761 $ 3,641,093 25 Short-term Borrowings 26 Long-term Borrowings $ $ 652,607 766,509 $ $ 582.654 885,145 Interest Income and Interest Expense 28 TOTAL INTEREST BEARING LIABILITIE$ 15.044 889 $ 15,235,253 | $ 30 Demand Deposits (non-interest bearing $ 31 Other Liabilities $ 4,150,646 128,517 3,774.864 1 158,825 Interest Income From Outstanding Loans $ U.S. Treasuries Government Agency $ Residential Mortgabe Backed S$ State, County & Municipal Bond $ Corporate Bonds 2018 970,225 8,591 20,672 7,975 9,235 279 $ $ 33 TOTAL LIABILITIES $ $ 19,324,052 19 224 DE $ 19,168,942 | 2017 917,111 25,586 12,852 8,721 6,544 120 227 973,178 34 $ 35 Other 548 $ $ $ 1,811,520 241,367 2,052,887 | $ $ $ 36 Shareholder Equity 37 Loan Loss Reserves 38 TOTAL BANK EQUITY 39 1,672,238 189,561 1,861,799 TOTAL INTEREST INCOME $ 1019,543 $ 40 41 TOTAL LIABILITIES + EQUITY $ 21,376,939 $ 21,030,741 $ 43 45 Answer the following: 46 Capital/Asset Ratio: 47 DebulEquity Ratio: 48 Gap Analysis (100 basis point increase 49 Return on Assets: 50 Return on Fruitur Balance Sheet Interest Expenses From: Cheeking w/ Interest Savings Deposits Money Market Accounts Time Deposits Short-term borrowings Long-Term Borrowings TOTAL INTEREST EXPENSES $ | $ $ $ $ 2018 1679 1,118 21,642 77,449 5,993 36.311 144,192 1 $ | $ | $ $ $ $ $ 2017 1,976 1,280 27,076 118,863 5,189 40.741 195,125 Income Statement F2 - X fr 902181 B E 1 2 Interest Income 3 Interest Expense 2018 1,015,159 $ 144,192 $ D 2016 738,159 $ 227,644 $ 2017 969,368 $ 195,125 $ $ $ F 2014 902,181 423,714 2015 813,351 $ 314,945 $ $ $ 406,214 733,376 $ $ 403,451 $ 651,503 $ 307,506 $ 600,382 $ 291,832 569,806 $ 143,519 $ 79,364 $ 65,926 $ 32,939 5 6 Non-Interst Income $ 464,366 7 Non-Interest Expense $ 792,925 8 9 Provision for Loan Losses $ 232,277 10 11 Income Before Taxes $ 310,131 12 Income Taxes $ 115,103 13 NET INCOME $ 195,028 14 $ 303,562 $ 183,099 $ 139,604 $ 110,518 $ 66,768 $ 48,546 $ 193,044 $ 116,331 $ 91,058 $ 167,554 $ 58,937 $ 108,617 24 25 Balance Sheet Income Statement J41 - fe 2017 X B Balance Sheet C D E F I J K 2018 2017 ASSETS 4 Loans $ 5 Securities $ 6 Overnight Loans $ 7 TOTAL INTEREST EARNING ASSETS $ 2017 Average Balance $ 1,236,336 $ 1,369,569 14,050,453 4,215,761 558,454 | 18.824.668 $ $ $ $ H Total Securities 2018 Within 1Year Average Balance U.S. Treasury $ 811,835 Government Agency $ 2,176,143 Residential Mortgage Backed S$ 373 State, County & Municipal Bond $ 244 Equity Securities | $ 15,313 Corporate $ 252,820 TOTAL SHORT TERM SECURITI $ 3,256,728 13 865 815 3,641,093 951,252 18,458,160 | $ $ $ $ 757 17,231 163,170 2.787066 9 Cash 10 Capital Equipment 11 Other 12 TOTAL NON-INTEREST EARNING ASS $ 14 TOTAL ASSETS $ 486,812 846,989 1,218,470 2,552,271 535,687 844,843 1,192,051 2,572,581 21,376,939 $ 21,030,741 NNNNNNNNNNHOU ONE OVOGA Longer than 1 year Average Balance U.S. Treasury $ 75,984 Agency $ 416,066 Residential MBS $ 306,848 State, County $ 797 Corporate $ 159,338 TOTAL LONG TERM SECURITIE $ 959,033 Average Balance | $ 502,954 1$ 50.417 143 542 499 $ 156,615 $ 854,027 LIABILITIES 19 Checking winterest Deposits $ 20 Savings Deposits $ 21 Money Market Accounts $ 22 Time Deposits $ 23 TOTAL INTEREST BEARING DEPOSITS $ 1,933,723 826,881 5,514,920 5,350,249 13.625.773 $ $ $ $ $ 1,772,298 724,219 4,827,021 6,443,916 13,767,454 TOTAL SECURITIES $ 4,215,761 $ 3,641,093 25 Short-term Borrowings 26 Long-term Borrowings $ $ 652,607 766,509 $ $ 582.654 885,145 Interest Income and Interest Expense 28 TOTAL INTEREST BEARING LIABILITIE$ 15.044 889 $ 15,235,253 | $ 30 Demand Deposits (non-interest bearing $ 31 Other Liabilities $ 4,150,646 128,517 3,774.864 1 158,825 Interest Income From Outstanding Loans $ U.S. Treasuries Government Agency $ Residential Mortgabe Backed S$ State, County & Municipal Bond $ Corporate Bonds 2018 970,225 8,591 20,672 7,975 9,235 279 $ $ 33 TOTAL LIABILITIES $ $ 19,324,052 19 224 DE $ 19,168,942 | 2017 917,111 25,586 12,852 8,721 6,544 120 227 973,178 34 $ 35 Other 548 $ $ $ 1,811,520 241,367 2,052,887 | $ $ $ 36 Shareholder Equity 37 Loan Loss Reserves 38 TOTAL BANK EQUITY 39 1,672,238 189,561 1,861,799 TOTAL INTEREST INCOME $ 1019,543 $ 40 41 TOTAL LIABILITIES + EQUITY $ 21,376,939 $ 21,030,741 $ 43 45 Answer the following: 46 Capital/Asset Ratio: 47 DebulEquity Ratio: 48 Gap Analysis (100 basis point increase 49 Return on Assets: 50 Return on Fruitur Balance Sheet Interest Expenses From: Cheeking w/ Interest Savings Deposits Money Market Accounts Time Deposits Short-term borrowings Long-Term Borrowings TOTAL INTEREST EXPENSES $ | $ $ $ $ 2018 1679 1,118 21,642 77,449 5,993 36.311 144,192 1 $ | $ | $ $ $ $ $ 2017 1,976 1,280 27,076 118,863 5,189 40.741 195,125 Income Statement F2 - X fr 902181 B E 1 2 Interest Income 3 Interest Expense 2018 1,015,159 $ 144,192 $ D 2016 738,159 $ 227,644 $ 2017 969,368 $ 195,125 $ $ $ F 2014 902,181 423,714 2015 813,351 $ 314,945 $ $ $ 406,214 733,376 $ $ 403,451 $ 651,503 $ 307,506 $ 600,382 $ 291,832 569,806 $ 143,519 $ 79,364 $ 65,926 $ 32,939 5 6 Non-Interst Income $ 464,366 7 Non-Interest Expense $ 792,925 8 9 Provision for Loan Losses $ 232,277 10 11 Income Before Taxes $ 310,131 12 Income Taxes $ 115,103 13 NET INCOME $ 195,028 14 $ 303,562 $ 183,099 $ 139,604 $ 110,518 $ 66,768 $ 48,546 $ 193,044 $ 116,331 $ 91,058 $ 167,554 $ 58,937 $ 108,617 24 25 Balance Sheet Income Statement