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Sources and Uses: (Historical)

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

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Sources and Uses: (Historical)

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  1. Sources and Uses:(Historical)

  2. Sources and Uses • Stmts End Yr. 1 Qtr. 4

  3. Basics of Sources and Uses U ( - ) S ( + ) A A L L

  4. Bank Sources and Uses • Sources: Sell Securities, Loans Repaid, Close Branches, Get Deposits, Issue Capital • Uses: Buy Securities, Make Loans, Build Branches, Lose Deposits, Payoff Capital

  5. Historical Sources and Uses:What Happened? • Take this period’s balance sheet and subtract last period’s balance sheet, account by account. • Sign Sources (+), Uses (-) • Catalog: • Supply of Funds accounts (Deposits, Security Sales and Maturity, Loans by Bank…) • Usage of Funds accounts (Loans, Investments, New Buildings)

  6. Asset Differences

  7. Asset Differences

  8. Liab & O/E Differences

  9. Liab & O/E Differences

  10. Y1Q4 Interpretation(Look for the BIG numbers!) • Funds came from larger Savings increases over Demand Deposit losses, along with Loans from other Banks (FF Purch) and past Earnings • Funds went to net increases in securities and Loans over decreases in Loans to other Banks (FF Sold) and a decrease in the Cash account.

  11. Your Assignment(Assignment #1) • Produce an Aggregated Sources and Uses for Y2Q1 • Y2Q1Output.pdf (Cut and Paste to Excel !!!) • Class Webpage; Apr 12th Entry • Write a short commentary concerning where funds are coming from and going to.

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