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1、Introduction–LiquidityThismodulewillstartwithabasicdiscussionofliquidity.Wewilldiscusstheareasthatexaminersfocuson,aswellasareasboardmemberscanfocusonwhenmonitoringliquidity.Attheendofthemodule,youwillassignaratingforoursamplebank’sliquiditycomponentandcompareyouranswertotheexa
2、miner’sassessment.Gotothe“Next”buttonbelowtobegintheinstructionalcontentforliquidity.InstructionalContent-LiquidityOverviewWhenexaminersevaluateliquidity,wearecommentingonyourbank’sabilitytogeneratefundsatareasonablecosttofundloangrowth,depositrunoff,etc.Clearly,everybankinthen
3、ationcangoon-lineandacquireasmanyinternet-baseddepositsasthebankiswillingtopayfor.Whileproblemsassociatedwiththistypeoffundingcanbemitigated,regulatorswillgenerallybeconcernedwithacommunitybankthatutilizessubstantialquantitiesofthesedepositsbecausetheyareextremelyvolatileandexp
4、ensive.Soifsimplyhavingaccesstofundingisnotindicativeofastrongliquidityposition,whatis?Whatshoulddirectorslookatwhenassessingtheirbank’sliquidity?Herearefiveareastoreviewtohelpunderstandyourbank’sliquidityposition.1.NetNon-CoreFundingDependenceRatio-Thisratiomeasuresthedegreeto
5、whichthebankisfundinglonger-termassets(loans,securitiesthatmatureinmorethanoneyear,etc.)withnon-corefunding.Non-corefundingincludesfundingthatcanbeverysensitivetochangesininterestratessuchasbrokereddeposits,CDsgreaterthan$100,000,andborrowedmoney.Higherratiosreflectarelianceonf
6、undingsourcesthatmaynotbeavailableintimesoffinancialstressoradversechangesinmarketconditions.2.Theavailabilityofliquidassetsreadilyconvertibletocashwithoutundueloss-ConsiderFederalfundssold,availableforsalesecurities,loansforsale,etc.3.Coredeposit/assetgrowth-Arecoredepositscap
7、ableoffundinganticipatedassetgrowth?4.Diversificationoffundingsources-Abankwithstrongliquidityhasastrongcoredepositbase,establishedborrowingslines,andproceduresinplaceforacquiringinternet-basedorotherformsofemergencyborrowing.5.ExternalForces-Economicconditions,competition,mark
8、etingefforts,etc.haveamaterialimpactontheneedforliquid
