1. Refer to your Start of Round 2 Bank Balance Sheet (previous assignment). With the Outcome determined by chance, complete the spreadsheet by opening it and using the drop down menu to determine your Banks balance sheet at the End of Round 3.

2. In the space below, discuss what caused the changes to your bank's balance sheet during the Round (minimum of 80 words, single spaced, partial credit for less).

Start of Round 2 Cash Securities Consumer Loans Residential Mortgage C&I Total Loans Deposits Borrowed Total Financing Total Income and Expense Retained Earnings Cash Securities Lending Cons. Loons* Residential Mortgage C&I* Total Lending Total Assets Assets * $ $ Allocation 203,020.00 796,789.00 $ 4,000,000.00 $ 4,000,000.00 $ 4,000,000.00 $ 12,000,000.00 $ 6,000,000.00 $ 6,000,000.00 $ 12,000,000.00 $ (190.69) Balance Sheet: End of Round 3 Outcome 3 $ 343,020.00 $ 798,780.97 0.00% $ 0.25% $ 5.00% $ 1.00% $ 2.00% $ 2.00% $ 1.00% $ Deposits Borrowed Total Liabilities $ 13,141,800.97 Total L&E $ 4,000,000.00 $ 4,000,000.00 $ 4,000,000.00 Comm Stock Ret Earnings $ 12,000,000.00 Total Equity S Income S 1,991.97 $ Liabilities & Equity 200,000.00 S 40,000.00 $ 80,000.00 $ 321,991.97 $180,000.00 $ 6,000,000.00 $ 6,000,000.00 $ 12,000,000.00 $ 1,000,000.00 $ 141,801.28 $ 1,141,801.28 Expense $ 13,141,801.28 $ 120,000.00 $ 60,000.00 Start of Round 2 Cash Securities Consumer Loans Residential Mortgage C&I Total Loans Deposits Borrowed Total Financing Total Income and Expense Retained Earnings Cash Securities Lending Cons. Loons* Residential Mortgage C&I* Total Lending Total Assets Assets * $ $ Allocation 203,020.00 796,789.00 $ 4,000,000.00 $ 4,000,000.00 $ 4,000,000.00 $ 12,000,000.00 $ 6,000,000.00 $ 6,000,000.00 $ 12,000,000.00 $ (190.69) Balance Sheet: End of Round 3 Outcome 3 $ 343,020.00 $ 798,780.97 0.00% $ 0.25% $ 5.00% $ 1.00% $ 2.00% $ 2.00% $ 1.00% $ Deposits Borrowed Total Liabilities $ 13,141,800.97 Total L&E $ 4,000,000.00 $ 4,000,000.00 $ 4,000,000.00 Comm Stock Ret Earnings $ 12,000,000.00 Total Equity S Income S 1,991.97 $ Liabilities & Equity 200,000.00 S 40,000.00 $ 80,000.00 $ 321,991.97 $180,000.00 $ 6,000,000.00 $ 6,000,000.00 $ 12,000,000.00 $ 1,000,000.00 $ 141,801.28 $ 1,141,801.28 Expense $ 13,141,801.28 $ 120,000.00 $ 60,000.00