Consolidation Report (Service Industry)
Model Key
Replace the bold numbers in white cells with your own financial data. Shaded cells will be calculated for you. You do not need to enter anything into them.
January
Profit and Loss Statement Interest Income Loans, including fees Interest on federal funds sold Interest and dividends on investments Taxable Nontaxable Other Total Interest Income Interest Expense Interest on deposits Interest on other borrowings Other Total Interest Expense
February
March
April
May
June
July
August
September
October
November
December
Annual
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$3,000,000 0 0 1,500,000 0 300,000 $4,800,000
$36,000,000 0 0 18,000,000 0 3,600,000 $57,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$3,600,000 0 0 $3,600,000
$43,200,000 0 0 $43,200,000
Net Interest Income Before Credit Loss Provision Provision for credit losses Net Interest Income Noninterest Income Service charges Product revenue (not fee-related) Loan placement fees Gain on sale of securities Gain on sale of other real estate owned Gain on sale of fixed assets Other Total Noninterest Income Noninterest Expense Salaries and employee benefits Occupancy Equipment Data processing Professional fees Director fees Amortization Litigation Other Total Noninterest Expense Pretax Income Taxes on Income Net Income (Loss) Balance Sheet Cash and Cash Equivalents Cash and due from banks Federal funds sold and securities purchased Total Cash and Cash Equivalents Securities Securities available for sale Securities held to maturity Total Investment Securities Loans Loans and leases Unearned fees Allowance for credit losses Total Loans Other Assets Accrued interest receivable Premises and equipment Other real estate owned Intangible assets Cash surrender value of life insurance Net amortized assets Deferred income taxes Total Other Assets Total Assets $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $1,200,000 0 $1,200,000 $14,400,000 0 $14,400,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$600,000 450,000 0 375,000 150,000 0 75,000 $1,650,000
$7,200,000 5,400,000 0 4,500,000 1,800,000 0 900,000 $19,800,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$900,000 360,000 150,000 150,000 75,000 75,000 0 0 75,000 $1,785,000 $1,065,000 135,000 $930,000
$10,800,000 4,320,000 1,800,000 1,800,000 900,000 900,000 0 0 900,000 $21,420,000 $12,780,000 1,620,000 $11,160,000
$930,000 750,000 $1,680,000
$1,860,000 750,000 $2,610,000
$2,790,000 750,000 $3,540,000
$3,720,000 750,000 $4,470,000
$4,650,000 750,000 $5,400,000
$5,580,000 750,000 $6,330,000
$6,510,000 750,000 $7,260,000
$7,440,000 750,000 $8,190,000
$8,370,000 750,000 $9,120,000
$9,300,000 750,000 $10,050,000
$10,230,000 750,000 $10,980,000
$11,160,000 750,000 $11,910,000
$11,160,000 750,000 $11,910,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$1,500,000 0 0 $1,500,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $6,630,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $7,560,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $8,490,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $9,420,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $10,350,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $11,280,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $12,210,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $13,140,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $14,070,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $15,000,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $15,930,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $16,860,000
$150,000 150,000 0 0 150,000 0 0 $450,000 $16,860,000
Deposits Noninterest bearing Interest bearing Total Deposits Liabilities Federal funds purchased and securities sold Other borrowings Accrued interest payable Accounts payable Other liabilities Total Liabilities Equity Common stock Preferred stock Additional paid-in capital Retained earnings Unearned employee stock option shares Accumulated other comprehensive income Total Equity Total Liabilities and Equity Statement of Cash Flow Operating Activities Net income
Adjustments to reconcile net earnings to cash provided by operating activities
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$1,500,000 1,500,000 $3,000,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$300,000 0 0 0 0 $300,000
$2,400,000 0 0 930,000 0 0 $3,330,000 $6,630,000
$2,400,000 0 0 1,860,000 0 0 $4,260,000 $7,560,000
$2,400,000 0 0 2,790,000 0 0 $5,190,000 $8,490,000
$2,400,000 0 0 3,720,000 0 0 $6,120,000 $9,420,000
$2,400,000 0 0 4,650,000 0 0 $7,050,000 $10,350,000
$2,400,000 0 0 5,580,000 0 0 $7,980,000 $11,280,000
$2,400,000 0 0 6,510,000 0 0 $8,910,000 $12,210,000
$2,400,000 0 0 7,440,000 0 0 $9,840,000 $13,140,000
$2,400,000 0 0 8,370,000 0 0 $10,770,000 $14,070,000
$2,400,000 0 0 9,300,000 0 0 $11,700,000 $15,000,000
$2,400,000 0 0 10,230,000 0 0 $12,630,000 $15,930,000
$2,400,000 0 0 11,160,000 0 0 $13,560,000 $16,860,000
$2,400,000 0 0 11,160,000 0 0 $13,560,000 $16,860,000
$930,000
$930,000
$930,000
$930,000
$930,000
$930,000
$930,000
$930,000
$930,000
$930,000
$930,000
$930,000
$11,160,000
Provision for credit losses Depreciation and amortization Gain on sale of securities Increase in accrued interest payable Increase in unearned fees Increase in income taxes payable Increase in accounts payable and accrued Write-down of other real estate owned Gain on sale of other real estate owned Gain on sale of assets Increase in surrender value of life insurance Total Operating Activities Investing Activities Purchase of available-for-sale securities Redemption of other stock Maturities and calls of available-for-sale securities Maturities and calls of held-to-maturity securities Proceeds from sales of available-for-sale securities Net increase in loans Proceeds from sales of other real estate owned Capital expenditures for other real estate owned Capital expenditures for premises and equipment Proceeds from sales of premises and equipment Total Investing Activities Financing Activities Increase in demand and savings account Increase in certificates of deposit Increase in federal funds purchased Increase in repurchase agreements Employee stock options exercised Repurchase of common stock Payment of dividends Total Financing Activities Cumulative Cash Flow
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $930,000
0 0 0 0 0 0 0 0 0 0 0 $11,160,000
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 $0 $930,000 $0 $930,000
$0 0 0 0 0 0 0 $0 $930,000 $930,000 $1,860,000
$0 0 0 0 0 0 0 $0 $930,000 $1,860,000 $2,790,000
$0 0 0 0 0 0 0 $0 $930,000 $2,790,000 $3,720,000
$0 0 0 0 0 0 0 $0 $930,000 $3,720,000 $4,650,000
$0 0 0 0 0 0 0 $0 $930,000 $4,650,000 $5,580,000
$0 0 0 0 0 0 0 $0 $930,000 $5,580,000 $6,510,000
$0 0 0 0 0 0 0 $0 $930,000 $6,510,000 $7,440,000
$0 0 0 0 0 0 0 $0 $930,000 $7,440,000 $8,370,000
$0 0 0 0 0 0 0 $0 $930,000 $8,370,000 $9,300,000
$0 0 0 0 0 0 0 $0 $930,000 $9,300,000 $10,230,000
$0 0 0 0 0 0 0 $0 $930,000 $10,230,000 $11,160,000
$0 0 0 0 0 0 0 $0 $11,160,000
Beginning Cash Balance Ending Cash Balance
Financial Statements
January
Profit and Loss Statement Interest Income Loans, including fees Interest on federal funds sold Interest and dividends on investments Taxable Nontaxable Other Total Interest Income Interest Expense Interest on deposits Interest on other borrowings Other Total Interest Expense Net Interest Income Before Credit Loss Provision Net Interest Income Before Credit Loss Provision Provision for credit losses Net Interest Income Noninterest Income Service charges Product revenue (not fee-related) Loan placement fees Gain on sale of securities Gain on sale of other real estate owned Gain on sale of fixed assets Other Total Noninterest Income Noninterest Expense Salaries and employee benefits Occupancy Equipment Data processing Professional fees Director fees Amortization Litigation Other Total Noninterest Expense Pretax Income Taxes on Income Net Income (Loss) Balance Sheet Cash and Cash Equivalents Cash and due from banks Federal funds sold and securities purchased Total Cash and Cash Equivalents Securities Securities available for sale Securities held to maturity Total Investment Securities Loans Loans and leases Unearned fees Allowance for credit losses Total Loans Other Assets Accrued interest receivable Premises and equipment Other real estate owned Intangible assets Cash surrender value of life insurance Net amortized assets Deferred income taxes Total Other Assets
February
March
April
May
June
July
August
September
October
November
December
Annual
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$12,000,000 0 0 6,000,000 0 1,200,000 $19,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$14,400,000 0 0 $14,400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$4,800,000 0 $4,800,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$2,400,000 1,800,000 0 1,500,000 600,000 0 300,000 $6,600,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$3,600,000 1,440,000 600,000 600,000 300,000 300,000 0 0 300,000 $7,140,000 $4,260,000 540,000 $3,720,000
$310,000 250,000 $560,000
$620,000 250,000 $870,000
$930,000 250,000 $1,180,000
$1,240,000 250,000 $1,490,000
$1,550,000 250,000 $1,800,000
$1,860,000 250,000 $2,110,000
$2,170,000 250,000 $2,420,000
$2,480,000 250,000 $2,730,000
$2,790,000 250,000 $3,040,000
$3,100,000 250,000 $3,350,000
$3,410,000 250,000 $3,660,000
$3,720,000 250,000 $3,970,000
$3,720,000 250,000 $3,970,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
Total Assets
$2,210,000
$2,520,000
$2,830,000
$3,140,000
$3,450,000
$3,760,000
$4,070,000
$4,380,000
$4,690,000
$5,000,000
$5,310,000
$5,620,000
$5,620,000
Deposits Noninterest-bearing Interest-bearing Total Deposits Liabilities Federal funds purchased and securities sold Other borrowings Accrued interest payable Accounts payable Other liabilities Total Liabilities Equity Common stock Preferred stock Additional paid-in capital Retained earnings Unearned employee stock option shares Accumulated other comprehensive income Total Equity Total Liabilities and Equity Statement of Cash Flows Operating Activities Net income
Adjustments to reconcile net earnings to cash provided by operating activities
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$800,000 0 0 310,000 0 0 $1,110,000 $2,210,000
$800,000 0 0 620,000 0 0 $1,420,000 $2,520,000
$800,000 0 0 930,000 0 0 $1,730,000 $2,830,000
$800,000 0 0 1,240,000 0 0 $2,040,000 $3,140,000
$800,000 0 0 1,550,000 0 0 $2,350,000 $3,450,000
$800,000 0 0 1,860,000 0 0 $2,660,000 $3,760,000
$800,000 0 0 2,170,000 0 0 $2,970,000 $4,070,000
$800,000 0 0 2,480,000 0 0 $3,280,000 $4,380,000
$800,000 0 0 2,790,000 0 0 $3,590,000 $4,690,000
$800,000 0 0 3,100,000 0 0 $3,900,000 $5,000,000
$800,000 0 0 3,410,000 0 0 $4,210,000 $5,310,000
$800,000 0 0 3,720,000 0 0 $4,520,000 $5,620,000
$800,000 0 0 3,720,000 0 0 $4,520,000 $5,620,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$3,720,000
Provision for credit losses Depreciation and amortization Gain on sale of securities Increase in accrued interest payable Increase in unearned fees Increase in income taxes payable Increase in accounts payable and accrued Write-down of other real estate owned Gain on sale of other real estate owned Gain on sale of assets Increase in surrender value of life insurance Total Operating Activities Investing Activities Purchase of available-for-sale securities Redemption of other stock Maturities and calls of available-for-sale securities Maturities and calls of held-to-maturity securities Proceeds from sales of available-for-sale securities Net increase in loans Proceeds from sales of other real estate owned Capital expenditures for other real estate owned Capital expenditures for premises and equipment Proceeds from sales of premises and equipment Total Investing Activities Financing Activities Increase in demand and savings accounts Increase in certificates of deposit Increase in federal funds purchased Increase in repurchase agreements Employee stock options exercised Repurchase of common stock Payment of dividends Total Financing Activities Cumulative Cash Flow Beginning Cash Balance
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $3,720,000
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 $0 $310,000 $0 $310,000
$0 0 0 0 0 0 0 $0 $310,000 $310,000 $620,000
$0 0 0 0 0 0 0 $0 $310,000 $620,000 $930,000
$0 0 0 0 0 0 0 $0 $310,000 $930,000 $1,240,000
$0 0 0 0 0 0 0 $0 $310,000 $1,240,000 $1,550,000
$0 0 0 0 0 0 0 $0 $310,000 $1,550,000 $1,860,000
$0 0 0 0 0 0 0 $0 $310,000 $1,860,000 $2,170,000
$0 0 0 0 0 0 0 $0 $310,000 $2,170,000 $2,480,000
$0 0 0 0 0 0 0 $0 $310,000 $2,480,000 $2,790,000
$0 0 0 0 0 0 0 $0 $310,000 $2,790,000 $3,100,000
$0 0 0 0 0 0 0 $0 $310,000 $3,100,000 $3,410,000
$0 0 0 0 0 0 0 $0 $310,000 $3,410,000 $3,720,000
$0 0 0 0 0 0 0 $0 $3,720,000
Ending Cash Balance
Financial Statements
January
Profit and Loss Statement Interest Income Loans, including fees Interest on federal funds sold Interest and dividends on investments Taxable Nontaxable Other Total Interest Income Interest Expense Interest on deposits Interest on other borrowings Other Total Interest Expense Net Interest Income Before Credit Loss Provision Net Interest Income Before Credit Loss Provision Provision for credit losses Net Interest Income Noninterest Income Service charges Product revenue (not fee-related) Loan placement fees Gain on sale of securities Gain on sale of other real estate owned Gain on sale of fixed assets Other Total Noninterest Income Noninterest Expense Salaries and employee benefits Occupancy Equipment Data processing Professional fees Director fees Amortization Litigation Other Total Noninterest Expense Pretax Income Taxes on Income Net Income (Loss) Balance Sheet Cash and Cash Equivalents Cash and due from banks Federal funds sold and securities purchased Total Cash and Cash Equivalents Securities Securities available for sale Securities held to maturity Total Investment Securities Loans Loans and leases Unearned fees Allowance for credit losses Total Loans Other Assets Accrued interest receivable Premises and equipment Other real estate owned Intangible assets Cash surrender value of life insurance Net amortized assets Deferred income taxes Total Other Assets
February
March
April
May
June
July
August
September
October
November
December
Annual
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$12,000,000 0 0 6,000,000 0 1,200,000 $19,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$14,400,000 0 0 $14,400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$4,800,000 0 $4,800,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$2,400,000 1,800,000 0 1,500,000 600,000 0 300,000 $6,600,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$3,600,000 1,440,000 600,000 600,000 300,000 300,000 0 0 300,000 $7,140,000 $4,260,000 540,000 $3,720,000
$310,000 250,000 $560,000
$620,000 250,000 $870,000
$930,000 250,000 $1,180,000
$1,240,000 250,000 $1,490,000
$1,550,000 250,000 $1,800,000
$1,860,000 250,000 $2,110,000
$2,170,000 250,000 $2,420,000
$2,480,000 250,000 $2,730,000
$2,790,000 250,000 $3,040,000
$3,100,000 250,000 $3,350,000
$3,410,000 250,000 $3,660,000
$3,720,000 250,000 $3,970,000
$3,720,000 250,000 $3,970,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
Total Assets
$2,210,000
$2,520,000
$2,830,000
$3,140,000
$3,450,000
$3,760,000
$4,070,000
$4,380,000
$4,690,000
$5,000,000
$5,310,000
$5,620,000
$5,620,000
Deposits Non-interest bearing Interest-bearing Total Deposits Liabilities Federal funds purchased and securities sold Other borrowings Accrued interest payable Accounts payable Other liabilities Total Liabilities Equity Common stock Preferred stock Additional paid-in capital Retained earnings Unearned employee stock option shares Accumulated other comprehensive income Total Equity Total Liabilities and Equity Statement of Cash Flows Operating Activities Net income
Adjustments to reconcile net earnings to cash provided by operating activities
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$800,000 0 0 310,000 0 0 $1,110,000 $2,210,000
$800,000 0 0 620,000 0 0 $1,420,000 $2,520,000
$800,000 0 0 930,000 0 0 $1,730,000 $2,830,000
$800,000 0 0 1,240,000 0 0 $2,040,000 $3,140,000
$800,000 0 0 1,550,000 0 0 $2,350,000 $3,450,000
$800,000 0 0 1,860,000 0 0 $2,660,000 $3,760,000
$800,000 0 0 2,170,000 0 0 $2,970,000 $4,070,000
$800,000 0 0 2,480,000 0 0 $3,280,000 $4,380,000
$800,000 0 0 2,790,000 0 0 $3,590,000 $4,690,000
$800,000 0 0 3,100,000 0 0 $3,900,000 $5,000,000
$800,000 0 0 3,410,000 0 0 $4,210,000 $5,310,000
$800,000 0 0 3,720,000 0 0 $4,520,000 $5,620,000
$800,000 0 0 3,720,000 0 0 $4,520,000 $5,620,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$3,720,000
Provision for credit losses Depreciation and amortization Gain on sale of securities Increase in accrued interest payable Increase in unearned fees Increase in income taxes payable Increase in accounts payable and accrued Write-down of other real estate owned Gain on sale of other real estate owned Gain on sale of assets Increase in surrender value of life insurance Total Operating Activities Investing Activities Purchase of available-for-sale securities Redemption of other stock Maturities and calls of available-for-sale securities Maturities and calls of held-to-maturity securities Proceeds from sales of available-for-sale securities Net increase in loans Proceeds from sales of other real estate owned Capital expenditures for other real estate owned Capital expenditures for premises and equipment Proceeds from sales of premises and equipment Total Investing Activities Financing Activities Increase in demand and savings accounts Increase in certificates of deposit Increase in federal funds purchased Increase in repurchase agreements Employee stock options exercised Repurchase of common stock Payment of dividends Total Financing Activities Cumulative Cash Flows Beginning Cash Balance
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $3,720,000
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 $0 $310,000 $0 $310,000
$0 0 0 0 0 0 0 $0 $310,000 $310,000 $620,000
$0 0 0 0 0 0 0 $0 $310,000 $620,000 $930,000
$0 0 0 0 0 0 0 $0 $310,000 $930,000 $1,240,000
$0 0 0 0 0 0 0 $0 $310,000 $1,240,000 $1,550,000
$0 0 0 0 0 0 0 $0 $310,000 $1,550,000 $1,860,000
$0 0 0 0 0 0 0 $0 $310,000 $1,860,000 $2,170,000
$0 0 0 0 0 0 0 $0 $310,000 $2,170,000 $2,480,000
$0 0 0 0 0 0 0 $0 $310,000 $2,480,000 $2,790,000
$0 0 0 0 0 0 0 $0 $310,000 $2,790,000 $3,100,000
$0 0 0 0 0 0 0 $0 $310,000 $3,100,000 $3,410,000
$0 0 0 0 0 0 0 $0 $310,000 $3,410,000 $3,720,000
$0 0 0 0 0 0 0 $0 $3,720,000
Ending Cash Balance
Financial Statements
January
Profit and Loss Statement Interest Income Loans, including fees Interest on federal funds sold Interest and dividends on investments Taxable Nontaxable Other Total Interest Income Interest Expense Interest on deposits Interest on other borrowings Other Total Interest Expense Net Interest Income Before Credit Loss Provision Net Interest Income Before Credit Loss Provision Provision for credit losses Net Interest Income Noninterest Income Service charges Product revenue (not fee-related) Loan placement fees Gain on sale of securities Gain on sale of other real estate owned Gain on sale of fixed assets Other Total Noninterest Income Noninterest Expense Salaries and employee benefits Occupancy Equipment Data processing Professional fees Director fees Amortization Litigation Other Total Noninterest Expense Pretax Income Taxes on Income Net Income (Loss) Balance Sheet Cash and Cash Equivalents Cash and due from banks Federal funds sold and securities purchased Total Cash and Cash Equivalents Securities Securities available for sale Securities held to maturity Total Investment Securities Loans Loans and leases Unearned fees Allowance for credit losses Total Loans Other Assets Accrued interest receivable Premises and equipment Other real estate owned Intangible assets Cash surrender value of life insurance Net amortized assets Deferred income taxes Total Other Assets
February
March
April
May
June
July
August
September
October
November
December
Annual
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$1,000,000 0 0 500,000 0 100,000 $1,600,000
$12,000,000 0 0 6,000,000 0 1,200,000 $19,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$1,200,000 0 0 $1,200,000
$14,400,000 0 0 $14,400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$400,000 0 $400,000
$4,800,000 0 $4,800,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$200,000 150,000 0 125,000 50,000 0 25,000 $550,000
$2,400,000 1,800,000 0 1,500,000 600,000 0 300,000 $6,600,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$300,000 120,000 50,000 50,000 25,000 25,000 0 0 25,000 $595,000 $355,000 45,000 $310,000
$3,600,000 1,440,000 600,000 600,000 300,000 300,000 0 0 300,000 $7,140,000 $4,260,000 540,000 $3,720,000
$310,000 250,000 $560,000
$620,000 250,000 $870,000
$930,000 250,000 $1,180,000
$1,240,000 250,000 $1,490,000
$1,550,000 250,000 $1,800,000
$1,860,000 250,000 $2,110,000
$2,170,000 250,000 $2,420,000
$2,480,000 250,000 $2,730,000
$2,790,000 250,000 $3,040,000
$3,100,000 250,000 $3,350,000
$3,410,000 250,000 $3,660,000
$3,720,000 250,000 $3,970,000
$3,720,000 250,000 $3,970,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$500,000 0 0 $500,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
$50,000 50,000 0 0 50,000 0 0 $150,000
Total Assets
$2,210,000
$2,520,000
$2,830,000
$3,140,000
$3,450,000
$3,760,000
$4,070,000
$4,380,000
$4,690,000
$5,000,000
$5,310,000
$5,620,000
$5,620,000
Deposits Noninterest-bearing Interest-bearing Total Deposits Liabilities Federal funds purchased and securities sold Other borrowings Accrued interest payable Accounts payable Other liabilities Total Liabilities Equity Common stock Preferred stock Additional paid-in capital Retained earnings Unearned employee stock option shares Accumulated other comprehensive income Total Equity Total Liabilities and Equity Statement of Cash Flow Operating Activities Net income
Adjustments to reconcile net earnings to cash provided by operating activities
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$500,000 500,000 $1,000,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$100,000 0 0 0 0 $100,000
$800,000 0 0 310,000 0 0 $1,110,000 $2,210,000
$800,000 0 0 620,000 0 0 $1,420,000 $2,520,000
$800,000 0 0 930,000 0 0 $1,730,000 $2,830,000
$800,000 0 0 1,240,000 0 0 $2,040,000 $3,140,000
$800,000 0 0 1,550,000 0 0 $2,350,000 $3,450,000
$800,000 0 0 1,860,000 0 0 $2,660,000 $3,760,000
$800,000 0 0 2,170,000 0 0 $2,970,000 $4,070,000
$800,000 0 0 2,480,000 0 0 $3,280,000 $4,380,000
$800,000 0 0 2,790,000 0 0 $3,590,000 $4,690,000
$800,000 0 0 3,100,000 0 0 $3,900,000 $5,000,000
$800,000 0 0 3,410,000 0 0 $4,210,000 $5,310,000
$800,000 0 0 3,720,000 0 0 $4,520,000 $5,620,000
$800,000 0 0 3,720,000 0 0 $4,520,000 $5,620,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$310,000
$3,720,000
Provision for credit losses Depreciation and amortization Gain on sale of securities Increase in accrued interest payable Increase in unearned fees Increase in income taxes payable Increase in accounts payable and accrued Write-down of other real estate owned Gain on sale of other real estate owned Gain on sale of assets Increase in surrender value of life insurance Total Operating Activities Investing Activities Purchase of available-for-sale securities Redemption of other stock Maturities and calls of available-for-sale securities Maturities and calls of held-to-maturity securities Proceeds from sales of available-for-sale securities Net increase in loans Proceeds from sales of other real estate owned Capital expenditures for other real estate owned Capital expenditures for premises and equipment Proceeds from sales of premises and equipment Total Investing Activities Financing Activities Increase in demand and savings accounts Increase in certificates of deposit Increase in federal funds purchased Increase in repurchase agreements Employee stock options exercised Repurchase of common stock Payment of dividends Total Financing Activities Cumulative Cash Flows Beginning Cash Balance
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $310,000
0 0 0 0 0 0 0 0 0 0 0 $3,720,000
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 0 0 0 $0
$0 0 0 0 0 0 0 $0 $310,000 $0 $310,000
$0 0 0 0 0 0 0 $0 $310,000 $310,000 $620,000
$0 0 0 0 0 0 0 $0 $310,000 $620,000 $930,000
$0 0 0 0 0 0 0 $0 $310,000 $930,000 $1,240,000
$0 0 0 0 0 0 0 $0 $310,000 $1,240,000 $1,550,000
$0 0 0 0 0 0 0 $0 $310,000 $1,550,000 $1,860,000
$0 0 0 0 0 0 0 $0 $310,000 $1,860,000 $2,170,000
$0 0 0 0 0 0 0 $0 $310,000 $2,170,000 $2,480,000
$0 0 0 0 0 0 0 $0 $310,000 $2,480,000 $2,790,000
$0 0 0 0 0 0 0 $0 $310,000 $2,790,000 $3,100,000
$0 0 0 0 0 0 0 $0 $310,000 $3,100,000 $3,410,000
$0 0 0 0 0 0 0 $0 $310,000 $3,410,000 $3,720,000
$0 0 0 0 0 0 0 $0 $3,720,000
Ending Cash Balance