10 NAME--PROJINF 20 30 DESCRIPTION--INSTRUCTIONS FOR BANKPROJ*** 40 50 SOURCE--GAGE, PAGE, AND POWELL 60 160 BANKPROJ*** PROJECTS EIGHT BALANCE SHEET AND INCOME 170 STATEMENT ENTRIES TEN YEARS INTO THE FUTURE. A LEAST 180 SQUARES METHOD COMPUTES THE PROJECTIONS FROM 5 YEARS OF 190 PREVIOUS DATA WHICH YOU TYPE INTO THE PROGRAM. FOR EACH ONE 200 OF THE TEN YEARS THE PROGRAM PROVIDES: 210 1. A BREAKDOWN OF EARNING ASSETS 220 2. EARNING ASSETS MATURING DURING THE YEAR 230 3. CASH AND LIQUIDITY FOR THE YEAR 240 4. EARNINGS FOR THE YEAR AND THE LOAN-DEPOSIT 250 AND DEPOSIT-CAPITAL RATIOS 260 270 FOR THE LAST YEAR THAT YOU WANT TO MAKE PROJECTIONS, THE 280 PROGRAM WILL PRINT OUT A STATEMENT OF EARNINGS, A FLOW OF 290 FUNDS STATEMENT, AND A STATEMENT OF CONDITION FOR THE BANK. 300 310 FOR EACH YEAR THAT THE EIGHT ENTRIES ARE PROJECTED, 320 YOU HAVE THE OPTION TO MAKE SOME CHANGES. 330 THE PROGRAM WILL ASK YOU IF YOU WANT TO MAKE A CERTAIN 340 CHANGE AND YOU RESPOND IN THE INDICATED MANNER. THE OPTIONS 350 AVAILABLE EACH YEAR ARE: 360 1. YOU CAN CHANGE THE TRENDS OF ANY OF THE EIGHT 370 BALANCE SHEET AND INCOME STATEMENT ENTRIES. 380 2. YOU ENTER AN ESTIMATE OF CHANGES IN CD'S 390 SOLD (IN 000'S) AND OF THE AVERAGE RATE PAID 400 DURING THE YEAR ON CD'S. 410 3. YOU CAN CHANGE THE INVESTMENT PORTFOLIO (IN 000'S). 420 4. YOU CAN CHANGE THE DIVIDEND (IN 000'S). 430 5. YOU CAN HAVE THE PROGRAM PRINT OUT THE NEXT 440 YEAR OF PROJECTIONS. IF YOU DO SO, THE PROGRAM 450 PRINTS OUT AN EARNING ASSETS BREAKDOWN AND 460 CONTINUES TO THE NEXT YEAR. IF YOU CHOOSE 470 NOT TO HAVE THE PROGRAM CONTINUE TO THE NEXT 480 YEAR, THE PROGRAM PRINTS OUT A STATEMENT OF 490 EARNINGS, A FLOW OF FUNDS STATEMENT, AND A 500 STATEMENT OF CONDITION. THE PROGRAM THEN STOPS. 510 520 THE EIGHT BALANCE SHEET AND INCOME STATEMENT ENTRIES 530 ARE: 540 1. DEMAND DEPOSITS 550 2. TIME DEPOSITS 560 3. COMMERCIAL LOANS 570 4. REAL ESTATE LOANS 580 5. CONSUMER LOANS 590 6. COSTS EXCLUDING INTEREST 600 7. INCOME EXCLUDING INTEREST 610 8. DEPRECIATION CLAIMED 620 YOU MUST TYPE INTO THE PROGRAM THE PREVIOUS 5 YEARS OF 630 DATA FOR EACH ENTRY. YOU TYPE DATA INTO THE PROGRAM BY 640 FIRST TYPING THE LINE NUMBER FOLLOWED BY THE WORD "DATA". 650 AFTER THE WORD "DATA", TYPE IN THE INFORMATION. EACH PIECE 660 OF INFORMATION MUST BE SEPARATED BY A COMMA. 670 THE PREVIOUS 5 YEARS DATA GOES INTO THE PROGRAM AS 680 FOLLOWS (MAKE SURE THAT YOU TYPE IN OLDEST INFORMATION FIRST): 690 LINE NO. DATA TO BE ENTERED (IN 000'S) 700 -------- ----------------------------- 710 720 1000 DEMAND DEPOSITS 730 1001 TIME DEPOSITS 740 1002 COMMERCIAL LOANS 750 1003 REAL ESTATE LOANS 760 1004 CONSUMER LOANS 770 1005 COSTS EXCLUDING INTEREST 780 1006 INCOME EXCLUDING INTEREST 790 1007 DEPRECIATION CLAIMED 800 810 AT THE END OF THE YEAR PRIOR TO THE FORECAST, ENTER THIS 820 ADDITIONAL INFORMATION AS FOLLOWS (ENTER DOLLAR AMOUNTS 825 IN 000'S): 830 840 1008 CASH AND DUE FROM BANKS, C.D.S 850 860 1009 TOTAL ASSETS NOT INCLUDING CASH & DUE FROM 870 BANKS, LOANS & INVESTMENTS 880 890 1010 LOAN RESERVES, OTHER RESERVES 900 910 1011 CAPITAL NOT INCLUDING RESERVES 920 930 1012 ABOVE DATA IS FOR THE YEAR OF 940 950 1013 SHARES OUTSTANDING, CASH DIVIDEND 960 970 1014 LIQUIDITY LOANS, RATE ON LOANS 980 990 FOR THE FOLLOWING INVESTMENTS, ENTER THE OUTSTANDING AMOUNT AT 1000 THE END OF THE PRIOR YEAR (IN 000'S), THE AVERAGE RATE OF 1010 INTEREST EARNED AND THE EXPECTED MATURITIES FOR EACH YEAR FOR 1015 THE NEXT TEN YEARS (IN 000'S). 1020 1030 1016 U.S. GOVERNMENT OBLIGATIONS 1040 1050 1017 STATE AND POLITICAL OBLIGATIONS 1060 1070 1018 OTHER INVESTMENT ASSETS 1080 1090 FOR EACH OF THE NEXT TEN YEARS, ENTER THE AMOUNTS FOR 1095 (ENTER DOLLAR AMOUNTS IN 000'S): 1100 1110 1019 PLANNED CAPITAL EXPENDITURES 1120 1130 1020 RATE OF INTEREST TO BE PAID ON TIME DEP. 1140 1150 1021 ANNUAL INCREASES IN RESERVE FOR SECURITY 1160 LOSSES (ENTER ZEROS IF EQUAL TO MARKET GAIN 1170 OR LOSS FOR YEAR) 1180 1190 1022 ANNUAL INCREASE IN OTHER RESERVES 1200 1210 ENTER YOUR BEST ESTIMATES OF THE RATES AVAILABLE ON THE FOLLOWING 1220 FOR EACH OF THE NEXT TEN YEARS: 1230 1240 1024 COMMERCIAL LOANS 1250 1260 1025 REAL ESTATE LOANS 1270 1280 1026 CONSUMER LOANS