Question
Using the following financial information for WPU National Bank, calculate as many of the liquidity indicators discussed in this chapter for Wilson as you can.
Using the following financial information for WPU National Bank, calculate as many of the liquidity indicators discussed in this chapter for Wilson as you can. Do you detect any significant liquidity trends? Which trends should management investigate?
| Most Recent Year | Previous Year | |
| Assets: Cash and due from depository institutions | $ 345,000 | $ 358,000 |
| U.S. Treasury securities | 176,000 | 178,000 |
| Other securities | 339,000 | 343,000 |
| Pledged securities | 287,000 | 223,000 |
| Federal funds sold and reverse repurchase agreements | 175,000 | 131,000 |
| Loans and leases net | 2,148,000 | 1,948,000 |
| Total Assets | 3,500,000 | 3,250,000 |
| Liabilities: | ||
| Demand deposits | 600,000 | 556,000 |
| Savings deposits | 730,000 | 721,000 |
| Time deposits | 1,100,000 | 853,000 |
| Total deposits | 2,430,000 | 2,130,000 |
| Core deposits | 850,000 | 644,000 |
| Brokered deposits | 58,000 | 37,000 |
| Federal funds purchased and repurchase agreements | 217,000 | 237,000 |
| Other money market borrowings | 25,000 | 16,000 |
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Fundamentals Of Corporate Finance
Authors: Robert Parrino, David S. Kidwell, Thomas W. Bates
5th Edition
1119795435, 978-1119795438
