Risk Management Manual of Examination Policies - FDIC

FUTURE EARNINGS PROSPECTS (Continued)
ESTIMATED AVERAGE DEPOSITS AND AVERAGE ASSETS
DESCRIPTION AVERAGE DURING
Yield or SECOND Yield or
FIRST YEAR Cost YEAR Cost THIRD YEAR
AVERAGE DEPOSIT AND BORROWINGS
FDIC 6510/10 (02-2002) 18
Yield or
Cost
Transaction Accounts (NOW, etc.) 5,440 1.10% 12,505 1.40% 17,277 1.40%
Time Deposits of less than $100,000 16,133 2.78% 36,806 3.55% 51,565 3.55%
Time Deposits of $100,000 or more 6,914 2.77% 15,774 3.55% 22,100 3.55%
Money Market deposit Accounts 19,040 2.27% 42,930 2.90% 60,396 2.90%
Other Savings deposits 2,274 1.19% 6,353 1.50% 8,898 1.49%
Transaction Accounts (DDA Noninterest) 6,484 % 15,453 % 23,438 %
% % %
Federal Funds Purchase % % %
Total estimated average deposit/ borrowings 56,285 129,821 183,674
AVERAGE ASSETS
Real Estate loans 36,401 6.98% 69,626 7.59% 105,254 7.77%
Installment loans 1,372 7.14% 3,894 8.52% 8,508 8.54%
Credit card loans % % %
Commercial and all other loans 8,892 6.92% 19,620 8.21% 33,598 8.20%
Lease financing receivables % % %
Interest-bearing balances due from banks 2,552 % 4,882 % 6,417 %
Taxable securities issued by states and political
subdivisions % % %
Tax-exempt securities issued by states and
political subdivisions % % %
U.S. Government and other debt securities 22,988 4.15% 44,851 5.98% 43,393 5.89%
Other securities % % %
Federal funds sold and securities purchased
under agreements to resell % % %
% % %
% % %
% % %
% % %
Total estimated average earning assets 69,070 136,827 188,911
Explain examiner adjustments made to applicant’s projections.
Note: Cost factors above are as a percentage of Average Interest Bearing Liabilities only.