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| Name : |
Etienne, USA
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| Subject: |
BANK SOURCES AND USES OF FUNDS
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| Message : |
MAJOR SOURCES OF FUNDS
1. DEPOSIT ACCOUNTS
· TRANSACTION DEPOSITS
· SAVINGS DEPOSITS
· TIME DEPOSITS
· MONEY MARKET DEPOSITS
2. BORROWED FUNDS
· FED FUNDS
· FEDERAL RESERVE BORROWING
· REPOS
· EURODOLLAR BORROWING
3. LONG-TERM CAPITAL
· BONDS
· BANK CAPITAL
MAJOR USES OF FUNDS
1. CASH
2. LOANS - MAIN USE
· WORKING CAPITAL LOANS
· TERM LOANS
· LINE OF CREDIT
· REVOLVING CREDIT LOAN
· CONSUMER LOANS
· HIGHLY LEVERAGED TRANSACT.
· REAL ESTATE LOANS
· DIRECT LEASE LOANS
· LOAN PARTICIPATIONS
3. SECURITIES INVESTMENTS
· TREASURIES
· AGENCIES
· TAX EXEMPTS
· CORPORATE BONDS
4. FED FUNDS SOLD
5. REPOS
6. EURODOLLAR LOANS
7. FIXED ASSETS
OFF BALANCE-SHEET ACTIVITIES
[GENERATE FEE INCOME WITHOUT INVESTING FUNDS]
1. LOAN COMMITMENTS
2. STANDBY LETTERS OF CREDIT
3. FORWARD CONTRACTS
4. SWAPS
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