*Please fill in the red shaded cells.

4 20% A B D E 3 Bank Assets Risk Weight Bank Liabilities 5 Cash $ 1,000 0% Deposits $ 8,000 6 Treasury Securities $ 1,700 0% Hot Money $ 6,000 7 Municipal Bonds $ 1,500 8 Single Family Home Mortgages $ 2,700 50% Common Stock $ 600 9 Retail/Consumer Loans $ 2,300 50% Retained Earings $ 400 10 Commercial Loans $ 1,500 100% Surplus $ 300 11 Agricultural Loans $ 2,100 100% 12 Past due consumer loans $ 500 150% 13 Bank Buildings $ 2,000 100% 14 Total $ 15,300 $ 15,300 15 Short Term Loan Commitments 50% 16 17 Bank Assets Risk Weight Risk-Adjusted Assets 18 Cash $ 1,000 0% $ 19 Treasury Securities $ 1,700 0% $ 20 Municipal Bonds $ 1,500 20% $ 300 21 Single Family Home Mortgages $ 2,700 50% $ 1,350 22 Retail/Consumer Loans $ 2,300 50% $ 1,150 23 Commercial Loans $ 1,500 100% $ 1,500 24 Agricultural Loans $ 2,100 100% $ 2,100 25 Past due consumer loans $ 500 150% $ 750 26 Bank Buildings $ 2,000 100% $ 2,000 27 Total $ 15,300 $ 9,150 28 29 Short Term Loan Commitments 50% $ 4,575 30 31 Tier 1 capital ratio 32 33 Risk-weighted capital ratio 34 35 RWC if add short-term Commitments totalling 1,000 and a 50% risk weighting 36 37 38 Explore the Uniform Bank Performance Report (UBPR) for State Bank & Trust (cert 15651) 39 EFIEC UBPR Reports hint: page 2 and page 7 40 For the calender Year 2019: 41 How much was the provision from the income statement? 42 What was the depth of the pool at the beginning of the year? 43 How much in loans were charged-off against the pool? 44 Value of previously charged-off loans recovered? 45 What was the depth of the pool at the end of the year? 46 What % of loans is represented by the pool 47 4 20% A B D E 3 Bank Assets Risk Weight Bank Liabilities 5 Cash $ 1,000 0% Deposits $ 8,000 6 Treasury Securities $ 1,700 0% Hot Money $ 6,000 7 Municipal Bonds $ 1,500 8 Single Family Home Mortgages $ 2,700 50% Common Stock $ 600 9 Retail/Consumer Loans $ 2,300 50% Retained Earings $ 400 10 Commercial Loans $ 1,500 100% Surplus $ 300 11 Agricultural Loans $ 2,100 100% 12 Past due consumer loans $ 500 150% 13 Bank Buildings $ 2,000 100% 14 Total $ 15,300 $ 15,300 15 Short Term Loan Commitments 50% 16 17 Bank Assets Risk Weight Risk-Adjusted Assets 18 Cash $ 1,000 0% $ 19 Treasury Securities $ 1,700 0% $ 20 Municipal Bonds $ 1,500 20% $ 300 21 Single Family Home Mortgages $ 2,700 50% $ 1,350 22 Retail/Consumer Loans $ 2,300 50% $ 1,150 23 Commercial Loans $ 1,500 100% $ 1,500 24 Agricultural Loans $ 2,100 100% $ 2,100 25 Past due consumer loans $ 500 150% $ 750 26 Bank Buildings $ 2,000 100% $ 2,000 27 Total $ 15,300 $ 9,150 28 29 Short Term Loan Commitments 50% $ 4,575 30 31 Tier 1 capital ratio 32 33 Risk-weighted capital ratio 34 35 RWC if add short-term Commitments totalling 1,000 and a 50% risk weighting 36 37 38 Explore the Uniform Bank Performance Report (UBPR) for State Bank & Trust (cert 15651) 39 EFIEC UBPR Reports hint: page 2 and page 7 40 For the calender Year 2019: 41 How much was the provision from the income statement? 42 What was the depth of the pool at the beginning of the year? 43 How much in loans were charged-off against the pool? 44 Value of previously charged-off loans recovered? 45 What was the depth of the pool at the end of the year? 46 What % of loans is represented by the pool 47