FIN4324_Presentations_Class_3

FIN4324_Presentations_Class_3 - Bank Financial Statements

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  Bank Financial Statements
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Balance Sheet Introduction Core Identity A = L + EC C + S + L + MA = D + NDB + EC > C -> Cash; liquidity source > S -> Securities; back-up liquidity source + additional income > L -> Loans; principal source of income > MA -> Misc. assets > D -> Deposits; principle source of funding > NDB -> Non-Deposit Borrowings; back-up funding source > EC -> Equity Capital; long-term funding Accumulated USES of funds (assets) Accumulated SOURCES of funds (liabilities & equity)
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Bank Financial Statements
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Bank Balance Sheet Securities Loans Other Assets Deposits Borrowings Capital
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BB&T – Balance Sheet
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Balance Sheet Accounts Cash & due from … (Primary Reserves) > Vault cash > Fed deposits > Correspondent bank deposits > Cash in process of collection (net check float) Investment Securities > Liquid portion – “available for sale”; back-up liquidity – secondary reserves > Income generating portion – held primarily as investment securities; valued at lower of book or market Trading Account > Income generating – securities acquired for resale; short- term; valued at market
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FIN4324_Presentations_Class_3 - Bank Financial Statements

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