Business Finance
California State University Northridge Consolidated Balance Sheets Case Study

California state university Northridge

Question Description

Help me study for my Excel class. I’m stuck and don’t understand.

INSTRUCTIONS – PART II OF THE CASE STUDY.

Your analysis of the case study bank will take a giant leap forward with Part II. This part will concentrate on regulatory attributes of soundness and liquidity for your assigned bank. ( SYNOVUS FINANCIAL CORP)

Purpose:

Develop an understanding of the criteria of banking regulations, and the areas of particular interest to regulators.

Instructions:

Copy and paste the format to the provided cover sheet. After completion of the calculations, determine if you believe the bank is in compliance. (They probably are). Upon completion, upload your file to canvas. 50 points total.

Calculations Required (see PowerPoint “Global Banking Regulations and Standards”):

Capital Adequacy Ratio (CAR) (slide 12).

Minimum Leverage Ratio (slide 13).

Liquidity Coverage Ratio (slide 14).

Net Stable Funding Ratio (slide 14).

The file name "Modified Arow financials with LCR and NSFR" is an example of what should be done with assigned bank ( SYNOVUS FINANCIAL CORP). Financial Info on the bank is at https://www.sec.gov/cgi-bin/browse-edgar?CIK=snv&o...



Unformatted Attachment Preview

INSTRUCTIONS – PART II OF THE CASE STUDY. Your analysis of the case study bank will take a giant leap forward with Part II. This part will concentrate on regulatory attributes of soundness and liquidity for your assigned bank. Purpose: Develop an understanding of the criteria of banking regulations, and the areas of particular interest to regulators. Instructions: Use the data you compiled in Part I. Use the amended cover sheet provided in this week’s files. Copy and paste the format to your existing cover sheet. After completion of the calculations, determine if you believe the bank is in compliance. (They probably are). Upon completion, upload your file to canvas. 50 points total. Calculations Required (see PowerPoint “Global Banking Regulations and Standards”): Capital Adequacy Ratio (CAR) (slide 12). Minimum Leverage Ratio (slide 13). Liquidity Coverage Ratio (slide 14). Net Stable Funding Ratio (slide 14). Due Date: March 25, 2020 at Midnight. Consolidated Balance Sheets USD ($) $ in Thousands ASSETS Cash and Due From Banks Interest-Bearing Deposits at Banks Investment Securities: Available-for-Sale Held-to-Maturity Equity securities Other Investments Total Investment Securities Loans Allowance for Loan Losses Net Loans Premises and Equipment, Net Goodwill Other Intangible Assets, Net Other Assets Total Assets LIABILITIES Deposits Noninterest-Bearing Deposits Interest-Bearing Checking Accounts Savings Deposits Time Deposits over $250,000 Other Time Deposits Total Deposits Federal Funds Purchased and Securities Sold Under Agreements to Repurchase Federal Home Loan Bank Overnight Advances Federal Home Loan Bank Term Advances Jr Sub Obligations Issued to Unconsol Subsidiary Trusts Other Liabilities Total Liabilities Dec. 31, 2018 $56.529 27.710 317.535 283.476 1.774 15.506 618.291 2.196.215 -20.196 2.176.019 30.446 21.873 1.852 55.614 $2.988.334 472.768 790.781 818.048 73.583 190.404 2.345.584 54.659 234.000 45.000 20.000 19.507 2.718.750 STOCKHOLDERS’ EQUITY Preferred Stock, $5 Par Value; 1,000,000 Shares Authorized 0 Common Stock, $1 Par Value; 20,000,000 Sh Authorized 19.035 Additional Paid-in Capital 314.533 Retained Earnings 29.257 Unallocated ESOP Shares (5,001 Shares at December 31, 2018, and 9,643 Shares at December -10031, 2017) Accumulated Other Comprehensive Loss -13.810 Treasury Stock, at Cost (4,558,207 Shares at December 31, 2018, and 4,541,524 Shares -79.331 at December 31, 2017) Total Stockholders’ Equity 269.584 Total Liabilities and Stockholders’ Equity $ 2.988.334 Dec. 31, 2017 $42.562 30.276 ROE: ROA 13,46% 1,21% 300.200 335.907 ASF 0 9.949 646.056 1.950.770 -18.586 1.932.184 27.619 21.873 2.289 57.606 $2.760.465 441.945 907.315 694.573 38.147 163.136 2.245.116 64.966 105.000 55.000 20.000 20.780 2.510.862 0 18.481 290.219 28.818 -200 -8.514 -79.201 249.603 $ $ $ $ $ $ 333.659 Risk Wtd 557.438 20.000 166.830 160.041 1.873.437 2.777.746 Description CET1 Sub Debt Adv<1yr CDs<1yr D Deps $ 2.760.465 LCR: 1,009 COMPLIES! Mo Outflow Mo Inflow OBS Liabs $ CDs $ Total: $ 27.135 $ 14.039 $ $ 41.174 $ NSFR: 6.784 33.647 1.100 41.531 Interest Maturity of Notes Inv Income Total 3,97 COMPLIES! Amount Amount $ 557.438 $84.239 $ 20.000 $ $ 333.659 $ 48.760 $ 168.464 $ 268.775 $ 2.081.597 - Wt 0,0% 5,0% 15,0% 50,0% - ASF RSF Wt 100,0% 100,0% 50,0% 95,0% 90,0% Description Risk Wtd Cash & Eq $0 Corp Debt $0 Mkt Sec $7.314 RMBS $134.388 $141.702 REGULATORY CAPITAL REQUIREMENTS Tier I Capital: (to Risk Weighted Assets): Arrow Glens Falls National Saratoga National $ $ $ 283.913 220.844 52.681 TOTAL: $ 557.438 13,9% 13,4% 13,2% (Required:) $ $ $ 161.361 130.199 31.529 (Required:) 7,9% 7,9% 7,9% $ $ $ 163.403 131.847 31.928 8,0% 8,0% 8,0% Loan Commitments Balance as of: Notional Amount: Commitments to Extend Credit Standby Letters of Credit Fair Value: Commitments to Extend Credit Standby Letters of Credit Totals: 12/31/2018 $ $ 321.143 4.466 $ $ $ 12 325.621 $ 27.135 PER MONTH Consolidated Statements of Income US$ ($ in Thousands) INTEREST AND DIVIDEND INCOME Interest and Fees on Loans Interest on Deposits at Banks Interest and Dividends on Investment Securities: Fully Taxable Exempt from Federal Taxes Total Interest and Dividend Income INTEREST EXPENSE Interest-Bearing Checking Accounts Savings Deposits Time Deposits over $250,000 Other Time Deposits Federal Funds Purchased and Securities Sold Under Repos Federal Home Loan Bank Advances Jr Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts Total Interest Expense NET INTEREST INCOME Provision for Loan Losses NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES NONINTEREST INCOME Net (Loss) Gain on Securities Transactions Insurance Commissions Net Gain on Sales of Loans Other Operating Income Total Noninterest Income NONINTEREST EXPENSE Salaries and Employee Benefits Occupancy Expenses, Net FDIC Assessments Other Operating Expense Total Noninterest Expense INCOME BEFORE PROVISION FOR INCOME TAXES Provision for Income Taxes NET INCOME Average Shares Outstanding (in 1,000s): Basic Shares, in Shares Diluted Shares, in Shares Per Common Share: Basic Earnings, in USD Per Share Diluted Earnings, In USD Per Share Fiduciary and Trust NONINTEREST INCOME Income From Fiduciary Activities Deposit Account NONINTEREST INCOME Income From Fiduciary Activities 12 Months Ended Dec. 31, 2018 Dec. 31, 2017 Dec. 31, 2016 $ 81.647 $ 70.202 $ 62.823 $ 711 $ 348 $ 152 $ $ $ 8.582 $ 5.563 $ 96.503 $ 7.884 $ 6.223 $ 84.657 $ 7.934 6.006 76.915 $ 1.618 3.457 1.183 1.420 62 3.779 966 12.485 $ 84.018 2.607 81.411 $ 1.510 1.371 282 950 44 2.083 766 7.006 $ 77.651 2.736 74.915 $ 1.280 932 187 924 33 1.340 660 5.356 71.559 2.033 69.526 $ $ $ $ $ 213 7.888 135 20.713 28.949 $ $ $ $ $ (448) 8.612 546 18.935 27.645 $ $ $ $ $ (22) 8.668 821 18.365 27.832 $ $ $ $ $ $ $ $ 38.788 9.787 881 15.599 65.055 45.305 9.026 36.279 $ $ $ $ $ $ $ $ 37.677 9.560 891 14.577 62.705 39.855 10.529 29.326 $ $ $ $ $ $ $ $ 34.637 9.402 1.076 14.494 59.609 37.749 11.215 26.534 $ 14.408 14.488 14.310 14.406 14.206 14.297 $2,52 $2,50 $2,05 $2,04 $1,87 $1,86 $ 6.784,25 $9.255 $8.417 $7.783 $10.134 $9.591 $9.469 Consolidated Statements of Cash Flows - 12 Months Ended US$ ($ in Thousands) Dec. 31, 2018 Dec. 31, 2017 Cash Flows from Operating Activities: Net Income $36.279 $29.326 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Provision for Loan Losses 2.607 2.736 Depreciation and Amortization 4.751 5.398 Allocation of ESOP Stock 174 353 Gains on the Sale of Securities Available-for-Sale 0 -134 Losses on the Sale of Securities Available-for-Sale 0 582 Net Gain on Equity Securities -213 0 Loans Originated and Held-for-Sale -4.179 -17.468 Proceeds from the Sale of Loans Held-for-Sale 4.426 18.171 Net Gains on the Sale of Loans -135 -546 Net Losses on the Sale or Write-down of Premises and Equipment, Other 159Real Estate Owned 210 and Repossessed Assets Contributions to Pension & Postretirement Plans -744 -792 Deferred Income Tax Benefit -92 -1.530 Shares Issued Under the Directors’ Stock Plan 205 233 Stock-Based Compensation Expense 356 351 Tax Benefit from Exercise of Stock Options 240 112 Net (Increase) in Other Assets -1.182 -157 Net Increase (Decrease) in Other Liabilities -676 982 Net Cash Provided By Operating Activities $ 41.976 $ 37.827 Cash Flows from Investing Activities: Proceeds from the Sale of Securities Available-for-Sale 0 107.175 Proceeds from the Maturities and Calls of Securities Available-for-Sale 61.807 53.863 Purchases of Securities Available-for-Sale -84.746 -117.262 Proceeds from the Maturities and Calls of Securities Held-to-Maturity 58.978 49.244 Purchases of Securities Held-to-Maturity -7.506 -40.851 Net Increase in Loans -247.569 -200.600 Proceeds from the Sales of Premises and Equipment, Other Real Estate 1.828 Owned and Repossessed 1.408 Assets Purchase of Premises and Equipment -5.103 -2.602 Proceeds from the Sale of a Subsidiary, Net 98 96 Net (Increase) Decrease in Federal Home Loan Bank Stock -5.557 963 Net Cash Used In Investing Activities $ (227.770) $ (148.566) Cash Flows from Financing Activities: Net Increase in Deposits 100.468 Net Increase (Decrease) in Short-Term Federal Home Loan Bank Borrowings 129.000 Net Increase (Decrease) in Short-Term Borrowings -10.307 Repayments of Federal Home Loan Bank Advances -10.000 Purchase of Treasury Stock -2.098 Shares Issued for Stock Option Exercises, net 2.255 Shares Issued Under the Employee Stock Purchase Plan 505 Tax Benefit for Exercises of Stock Options 0 128.569 -18.000 29.130 0 -3.248 1.190 496 0 Shares Issued for Dividend Reinvestment Plans Cash Dividends Paid Net Cash Provided By Financing Activities Net Increase in Cash and Cash Equivalents Cash and Cash Equivalents at Beginning of Year Cash and Cash Equivalents at End of Year $ 1.761 -14.389 197.195 $ 1.684 -13.599 126.222 $ $ $ 11.401 $ 72.838 $ 84.239 $ 15.483 57.355 72.838 Supplemental Disclosures to Statements of Cash Flow Information: Interest on Deposits and Borrowings $ 12.212,0 $ Income Taxes $ 10.037,0 $ Non-cash Investing and Financing Activity: Transfer of Loans to Other Real Estate Owned and Repossessed $ Assets 1.015,0 $ 6.957,0 11.454,0 1.779,0 onths Ended Dec. 31, 2016 $26.534 $ 2.033 5.940 1.122 -317 339 0 -23.787 24.422 -821 232 -690 -283 205 287 0 -1.598 1.077 34.695 $ 97.930 88.719 -134.950 56.461 -82.433 -182.065 1.991 -1.441 72 -2.073 (157.789) 86.123 41.000 12.663 0 -2.141 2.404 493 188 $ 1.743 -13.092 129.381 $ $ $ 6.287 51.068 57.355 $ $ 5.341,0 11.961,0 $ 1.876,0 Consolidated Statements of Stockholders' Equity US$ ($ in Thousands) Stockholder's Equity Beginning Balance at Dec. 31, 2015 Increase (Decrease) in Stockholders' Equity [Roll Forward] Net Income Other Comprehensive Loss Stock Dividend Cash Dividends Paid Shares Issued for Stock Option Exercises, net Shares Issued Under the Directors' Stock Plan Shares Issued Under the Employee Stock Purchase Plan Shares Issued for Dividend Reinvestment Plans Stock-Based Compensation Expense Tax Benefits Related to Stock Options Exercised Purchases of Treasury Stock Allocation of ESOP Stock Stockholder's Equity Ending Balance at Dec. 31, 2016 Increase (Decrease) in Stockholders' Equity [Roll Forward] Net Income Other Comprehensive Loss Reclassification due to the adoption of ASU No. 2018-02 Stock Dividend Cash Dividends [1] Paid Shares Issued for Stock Option Exercises, net Shares Issued Under the Directors' Stock Plan Shares Issued Under the Employee Stock Purchase Plan Shares Issued for Dividend Reinvestment Plans Stock-Based Compensation Expense Tax Benefits Related to Stock Options Exercised Purchases of Treasury Stock Allocation of ESOP Stock Stockholder's Equity Ending Balance at Dec. 31, 2017 Increase (Decrease) in Stockholders' Equity [Roll Forward] Impact of ASU adoption | Accounting Standards Update 2014-09 Impact of ASU adoption | Accounting Standards Update 2016-01 Treasury shares (in shares) Unallocated ESOP shares (in shares) Net Income Other Comprehensive Loss Stock Dividend Cash Dividends [1] Paid Shares Issued for Stock Option Exercises, net Shares Issued Under the Directors' Stock Plan Shares Issued Under the Employee Stock Purchase Plan Shares Issued for Dividend Reinvestment Plans Stock-Based Compensation Expense Total $213.971 26.534 1.138 0 -13.092 [1] 2.404 205 493 1.743 287 188 -2.141 1.122 232.852 Common Stock $17.421 522 17.943 29.326 -35 0 -13.599 1.190 233 496 1.684 351 168 -3.248 353 249.603 -102 $0 4.541.524 9.643 $36.279 -4.965 0 -14.389 2.255 205 505 1.761 356 538 18.481 554 [2] Tax Benefits Related to Stock Options Exercised Purchases of Treasury Stock Allocation of ESOP Stock Stockholder's Equity Ending Balance at Dec. 31, 2018 Increase (Decrease) in Stockholders' Equity [Roll Forward] Treasury shares (in shares) Unallocated ESOP shares (in shares) [1] [2] 240 -2.098 174 $269.584 $19.035 4.558.207 5.001 Cash dividends paid per share have been adjusted for the September 27, 2018 3% stock dividend. Included in the shares issued for the 3% stock dividend in 2018 were treasury shares of 133,358 and unallocated E Additional Paid in Capital $250.680 Retained Unallocated Earnings ESOP Shares $32.139 ($1.100) Accumulated Other Comprehensive Income (Loss) Treasury Stock ($7.972) ($77.197) 26.534 1.138 16.415 -16.937 -13.092 1.265 138 318 1.167 287 188 1.139 67 175 576 -2.141 422 270.880 28.644 700 -400 -6.834 -77.381 29.326 16.660 -35 -1.645 1.645 -17.198 -13.599 544 160 331 1.140 351 646 73 165 544 -3.248 153 290.219 28.818 -102 331 200 -200 -8.514 -79.201 -331 36.279 -4.965 21.126 1.079 142 340 1.197 356 -21.680 -14.389 1.176 63 165 564 -2.098 74 $314.533 $29.257 3,358 and unallocated ESOP shares of 289. 100 ($100) ($13.810) ($79.331) Available-For-Sale Securities December 31, 2018 Available-For-Sale Securities, at Amort Cost Available-For-Sale Securities, at Fair Val Gross Unrealized Gains Gross Unrealized Losses U.S. Government & Agency Obligations State and Municipal Obligations $ $ $ $ 47.071,00 46.765,00 306,00 $ $ $ $ 1.193,00 1.195,00 2,00 - $ $ $ $ 42.068 5.003 - $ $ $ $ 201 512 480 $ $ $ $ 41.864 4.901 - $ $ $ $ 204 511 480 $ $ $ 46.765 46.765 $ $ $ - Avail-For-Sale Secs, Pledged as Collateral at Fair Val Maturities of Debt Securities, at Amortized Cost Within One Year From 1 - 5 Years From 5 - 10 Years Over 10 Years Maturities of Debt Securities,at Fair Val Within One Year From 1 - 5 Years From 5 - 10 Years Over 10 Years Secs in Continuous Loss Position, at Fair Val Less than 12 Months 12 Months or Longer Total Number of Securities in Continuous Loss Position 10 0 Held-To-Maturity Securities Mortgage-Backed Securities Corporate & Other Debt Securities $ $ $ $ $ $ $ $ 273.227,00 268.775,00 288,00 4.740,00 1.000,00 800,00 200,00 Total $ $ $ $ 322.491 317.535 290 5.246 $ 236.163 Held-To-Maturity Securities, at Amort C Held-To-Maturity Securities, at Fair Val Gross Unrealized Gains Gross Unrealized Losses Held-To-Maturity Secs, Pledged as Coll Maturities of Debt Securities, at Amort $ $ $ $ 738 145.554 106.777 20.158 $ $ $ $ 1.000 $ $ $ $ 43.007 151.069 106.777 21.638 $ $ $ $ 743 142.091 105.902 20.039 $ $ $ $ 800 $ $ $ $ 42.811 147.503 105.902 21.319 Maturities of Debt Securities,at Fair Va Secs in Continuous Loss Position, at Fai $ $ $ 107.550 124.627 232.177 86 $ $ $ 800 800 1 $ $ $ 147.503 105.902 21.319 97 Total Number of Secs in Conts Loss Position Unrealized Losses on Sec in Cont Loss P Total Held-To-Maturity Securities December 31, 2018 Held-To-Maturity Securities, at Amort Cost Held-To-Maturity Securities, at Fair Val Gross Unrealized Gains Gross Unrealized Losses State and Municipal Obligations Mortgage-Backed Securities $ $ $ $ $ $ $ $ 235.782 233.359 486 2.909 47.694 46.979 715 Held-To-Maturity Secs, Pledged as CollateraL at Fair Val Maturities of Debt Securities, at Amortized Cost Within One Year From 1 - 5 Years From 5 - 10 Years Over 10 Years Maturities of Debt Securities,at Fair Val Within One Year From 1 - 5 Years From 5 - 10 Years Over 10 Years Unrealized Losses on Sec in Cont Loss Position Less than 12 Months 12 Months or Longer $ $ $ $ 283.476 280.338 486 3.624 $ 266.341 27.426 93.495 112.499 2.362 0 47.694 0 0 27.426 141.189 112.499 2.362 27.464 93.130 110.396 2.369 0 46.979 0 0 27.464 140.109 110.396 2.369 $ 32.093 110.947 143.040 $ 33309 13.670 46.979 $ 65.402 124.617 190.019 $ 411 $ 47 $ 458 $ $ $ 162 2.747 2.909 $ $ $ 456 259 715 $ $ $ 618 3.006 3.624 Secs in Continuous Loss Position, at Fair Val Less than 12 Months 12 Months or Longer Number of Secs in Conts Loss Position Total Total $ $ $ $ 283.476 $ 280.338 486 3.624 $ 266.341 $ $ $ $ $ 23.623 27.426 141.189 112.499 2.362 $ 2.286 27.464 140.109 110.396 2.369 $ 2.289 65.402 $ 124.617 $ 190.019 $ $ 458 618 3.006 3.624 5.450 33.647 Maturing ntes/mo 473.495 439.848 $ 1.099,62 LOANS US$ ($ in Thousands) Schedule of Past Due Loans by Loan Category December 31, 2018 Commercial Loans Past Due 30-59 Days Loans Past Due 60-89 Days Loans Past Due 90 or More Days Total Loans Past Due Current Loans 121 49 170 136.720 136.890 0,124% Commercial Real Estate Total Loans $ $ $ $ $ $ Loans >90 Past Due&Still Accruing Int $ - Nonaccrual Loans $ 403 $ Consumer $ 108 $ $ $ $ 789 $ $ 897 $ $ 483.665 $ $ 484.562 $ 0,185% $ - 5.369 2.136 572 8.077 711.433 719.510 1,135% Residential $ $ $ $ $ $ 281 1.908 1.844 4.033 851.220 855.253 0,474% $ 144 $ 1.081 789 $ 658 $ 2.309 Total $ $ $ $ $ $ 5.879 4.093 3.205 13.177 2.183.038 2.196.215 0,604% $ 1.225 $ 4.159 TIME DEPOSITS (Dollars In Thousands) Year of Maturity 2019 2020 2021 2022 2023 2024 + Total Total Time Deposits $ 168.464 $ 49.965 $ 18.989 $ 9.208 $ 4.713 $ 12.648 $ 263.987 $ 14.039,00 BANK CASE - PART 1 COVER PAGE (BANK NAME) ASSET EFFECIENCY INCOME SOURCES & EFFICIENCY BANK PROFITABILIT Y Required Calculations: Return on Equity: Return on Assets: Net Profit Margin: Interest Inc/Total Operating Inc Non-interest Expense/Total Operating Inc Interest Inc/Total Assets Non-interest Inc/Total Assets Inc Taxes/Total Operating Income Provision for Loan Loss/Total Loans Equity Multiplier Asset Utilization BANK REG COMPLIANCE BANK CASE - PART 2 CAR: Minimum Leverage Ratio: LCR: NSFR: (STUDENT NAME) Bank Total Assets: “A foole and his monie be soone at debate, which after with sorrow repents him too late…”* -Thomas Tupper 1587 *Translation: A fool and his money are soon parted. GLOBAL BANKING REGULATIONS AND STANDARDS VOLUNTARY REGULATORY FRAMEWORKS THE BASIL ACCORDS BACKGROUND    1930 BANK FOR INTERNATIONAL SETTLEMENTS  BIS – BASEL, SWITZERLAND WITH A VERY CONTROVERSIAL PAST  NOW FUNCTIONS AS A GLOBAL HEADQUARTERS FOR OVERSIGHT POST-WWII MOVEMENT TO STABILIZE BANKING WORLDWIDE  IMF – WASHINGTON, DC (1945 AT BRETTON WOODS CONFERENCE)  WORLD BANK – WASHINGTON, DC (1945 AT BRETTON WOODS CONFERENCE) BASIL CONFERENCES  BASEL I (aka THE BASEL ACCORD) 1988  BASEL II (2004)  BASEL III (2010-2011) MEMBER ROSTER: CENTRAL BANKS OF THESE NATIONS BASEL I (BASEL ACCORD) 1988    BACKGROUND  COLLAPSE OF BRETTON WOODS ACCORD – 1972-3  COLLAPSE OF COLOGNE-BASED HERSTATT BANK, 1973  G-10 DETERMINE THE NEED FOR GLOBAL CAPITALIZATION STANDARDS TIER 1&2 CAPITAL  ALL BANKS REQUIRED MINIMUM QUALITY CAPITAL RESERVES TO ACT AS BUFFER AGAINST USE OF CUSTOMER DEPOSITS  TIER 1 CAPITAL – AT LEAST 4% OF TOTAL: STOCKHOLDER’S EQUITY – PAR VALUE + ADDITIONAL PAID-IN CAPITAL + RETAINED EARNINGS – LOSS RESERVES  TIER 2 CAPITAL - ANY REQUIRED REMAINDER: PREFERRED STOCK + POTENTIAL VALUE ADDED FROM REAL ESTATE OWNED AMOUNT OF TIER 1 AND 2 CAPITAL REQUIRED (BIS I): AS OF NOW, 8% OF TOTAL BANK CAPITAL BASIL I RISK-ASSET CATEGORIES  FRAMEWORK  PRIMARY FOCUS ON CREDIT RISK AND RISK-WEIGHTING OF ASSETS  BANK ASSETS CLASSIFIED BY THEIR INHERENT RISK:  a1 – 0% RISK (CASH LOANS TO CENTRAL BANKS & CENTRAL BANK DEPOSITS)  a2 – 10% RISK (SHORT-TERM TREASURIES AND OTHER SHORT-TERM SOVEREIGN DEBT INSTRUMENTS)  a3 – 20% RISK (LOANS BACKED BY INT’L ORGS, REGIONS, MUNIS)  a4 – 50% RISK (FULLY COLLATERALIZED MORTGAGES)  a5 – 100% RISK (SHORT- AND LONG-TERM CORPORATE DEBT, EQUITY HOLDINGS, ALL OTHER LOANS) BASIL II – THE “THREE PILLARS” THE THREE PILLARS BASIL II MINIMUM CAP REQUIREMENT FIRST PILLAR CREDIT RISK RISK 1 STANDARDIZED 1. INTERNAL RATING SYSTEM 2. OPERATIONAL RISK 2 SECURITIZATION 3. SUPERVISORY REVIEW SECOND PILLAR TRADING BOOK RISK 3 MARKET DISCIPLINE THIRD PILLAR BASEL ACCORD “PILLARS”  MINIMUM CAPITAL REQUIREMENTS  ...
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Final Answer

Attached.

Consolidated Balance Sheets USD ($) $ in Thousands
ASSETS
Cash and Due From Banks
Interest-Bearing Deposits at Banks
Interest earning deposits bank
Federal funds sold and securities purchased under resale agreement
Investment Securities:
Available-for-Sale
Held-to-Maturity
Equity securities
Other Investments
Total Investment Securities
Loans
Allowance for Loan Losses
Net Loans
Mortgage loans held for sale, at fair value
Cash surrender value of bank-owned life insurance
Premises and Equipment, Net
Goodwill
Other Intangible Assets, Net
Other Assets
Total Assets
LIABILITIES
Deposits
Noninterest-Bearing Deposits
Interest-Bearing Checking Accounts
Savings Deposits
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Boston College

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