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Sources and Uses: (Historical). Sources and Uses. Stmts End Yr. 1 Qtr. 4. Basics of Sources and Uses. U ( - ). S ( + ). A. A. L. L. Bank Sources and Uses. Sources: Sell Securities, Loans Repaid, Close Branches, Get Deposits, Issue Capital - PowerPoint PPT Presentation
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Sources and Uses:Sources and Uses:(Historical)(Historical)
Sources and UsesSources and Uses
Stmts End Yr. 1 Qtr. 4
Basics of Sources and UsesBasics of Sources and Uses
S ( + ) U ( - )
A
L
A
L
Bank Sources and UsesBank Sources and Uses
Sources: Sell Securities, Loans Sources: Sell Securities, Loans Repaid, Repaid, Close Branches, Get Close Branches, Get Deposits, Deposits, Issue CapitalIssue Capital
Uses: Buy Securities, Make Loans, Uses: Buy Securities, Make Loans, Build Build Branches, Lose Deposits, Branches, Lose Deposits, Payoff CapitalPayoff Capital
Historical Sources and Uses:Historical Sources and Uses:What Happened?What Happened?
Take this period’s balance sheet and Take this period’s balance sheet and subtract last period’s balance sheet, subtract last period’s balance sheet, account by account.account by account.
Sign Sources (+), Uses (-)Sign Sources (+), Uses (-) Catalog:Catalog:
Supply of Funds accounts (Deposits, Supply of Funds accounts (Deposits, Security Sales and Maturity, Loans by Security Sales and Maturity, Loans by Bank…)Bank…)
Usage of Funds accounts (Loans, Usage of Funds accounts (Loans, Investments, New Buildings)Investments, New Buildings)
Asset DifferencesAsset Differences
1.4 1.3 Change S/U
Cash 359.254 375.696 -16.442 16.442
FF Sold 0 88.776 -88.776 88.776
T-Bills 260 204.345 55.655 -55.655
T-Notes 384.892 320.024 64.868 -64.868
Muni's 406.29 356.099 50.191 -50.191
Total securities 1051.182 880.468 170.714 -170.714
Asset DifferencesAsset Differences
Resources 1.4 1.3 Change S/U
Loans 3472.557 3444.479 28.078 -28.078
Prov for LL 22.951 22.683 0.268 ***0.268
Premises - Dep 26.921 26.185 0.736 -0.736
Other assets 10.457 10.77 -0.313 0.313
Total resources 4897.419 4803.693 93.726 -93.726
Liab & O/E DifferencesLiab & O/E DifferencesResources 1.4 1.3 Change S/U
Demand deposits 1551.705 1588.917 -37.212 -37.212
Time deposits 2951.798 2883.289 68.509 +68.509
Total deposits 4503.503 4472.206 31.297 +31.297
Federal funds purchased 54.933 0 54.933 +54.933
Funds from FRB 0 0 0 0
Dividend payable 3.3 3.3 0 0
Accrued taxes 7.791 9.399 -1.608 -1.608
Other liabilities 39.57 39.44 0.13 0.13
Total liabilities 4609.097 4524.345 84.752 +84.752
Liab & O/E DifferencesLiab & O/E Differences
Resources 1.4 1.3 Change S/U
Capital notes 38.457 39.077 -0.62 -0.62
Common stock 30 30 0 0
Surplus 48.519 48.519 0 0
Retained Earnings 171.346 161.752 9.594 +9.594
Total equity * 249.865 240.271 9.594 +9.594
Total Liab & Cap 4897.419 4803.693 93.726 +93.726
Aggregated Aggregated S&US&U S (+) U ( - )
Actual Actual
QTR.#_1.4_ Results Results
Supply of Funds Usage of FundsNet Securities
Change -170.714
Deposits -37.212 Loans -28.078
Savings +68.509 Prov for LL 0.268
Subtotal +31.297 Subtotal -198.524
FF Purch +54.933 FF Sold +88.776
Dividend payable 0 Premises -0.736
Accrued taxes -1.608 Other Assets +0.313
Other liabilities +0.130 Cash +16.442
Capital Notes -0.620
Retained Earnings +9.594 Total +93.726 Total -93.729
Y1Q4 InterpretationY1Q4 Interpretation(Look for the BIG numbers!)(Look for the BIG numbers!)
Funds came from larger Savings Funds came from larger Savings increases over Demand Deposit increases over Demand Deposit losses, along with Loans from other losses, along with Loans from other Banks (FF Purch) and past EarningsBanks (FF Purch) and past Earnings
Funds went to net increases in Funds went to net increases in securities and Loans over decreases securities and Loans over decreases in Loans to other Banks (FF Sold) and in Loans to other Banks (FF Sold) and a decrease in the Cash account.a decrease in the Cash account.
Your AssignmentYour Assignment(Assignment #1)(Assignment #1)
Produce an Aggregated Sources and Produce an Aggregated Sources and Uses for Y2Q1Uses for Y2Q1 Y2Q1Output.pdf (Cut and Paste to
Excel !!!) Class Webpage; Apr 12th Entry
Write a short commentary Write a short commentary concerning where funds are coming concerning where funds are coming from and going to.from and going to.