The Stanford Bank Game, Version XI
Bank no. 1 — Period 2.1, Page 1
The Stanford Bank Game Bank — Statements of Financial Condition
Balance Sheet
Income Statement
2.1
359.398
.000
1.4
359.254
.000
167.896
379.560
404.849
952.305
260.000
384.892
406.290
1051.182
3530.633
23.151
3472.557
22.951
27.689
10.261
4857.134
26.921
10.457
4897.419
Liabilities and equities
Demand deposits
Time deposits
Total deposits
1535.712
2890.701
4426.413
1551.705
2951.798
4503.503
Federal funds purchased
Funds borrowed from FRB
Dividend payable
Accrued taxes
Other liabilities
Total liabilities
85.420
.000
3.300
7.333
38.326
4560.792
54.933
.000
3.300
7.791
39.570
4609.097
Resources
Cash and due from banks
Federal funds sold
Investment securities
Treasury bills
U.S. Government notes
State and municipal securities
Total securities
Loans and mortgages
(less provision for loan losses)
Bank premises
less depreciation (27.566 & 26.030)
Other assets
Total resources
Capital notes and equity funds
Capital notes
Common stock ($10.00 par shares,
Issued:3.000 & 3.000 million)
Surplus
Retained Earnings
Total equity *
Total liability & capital
* Total qualifying capital
FRB capital adequacy ratio
37.837
30.000
38.457
30.000
48.519
179.986
48.519
171.346
258.505
249.865
4857.134
4897.419
307.918
299.797
.992
.967
Operating Income
Interest income
Loans and mortgages
Securities
Federal funds sold
Total interest income
2.1
1.4
90.390
16.819
.000
107.209
87.529
18.511
.000
106.040
Service charge income
Fees and other income
Gross operating income
4.553
21.869
133.631
4.619
21.224
131.882
17.029
16.777
58.178
.894
1.833
60.905
56.849
.909
1.147
58.905
7.265
4.155
3.200
22.772
115.326
7.279
4.044
3.100
22.503
112.608
18.305
5.806
19.274
6.268
.363
12.862
.378
13.384
3.300
3.300
9.562
10.084
Net earnings per share
$4.29
$4.46
Adjust to Ret. Earnings
-0.92
-0.49
11.941
12.894
$3.98
$4.30
Operating Expenses
Salaries and benefits
Interest expenses
Interest on deposits
Interest on capital notes
FRB and fed fund borrowing
Total interest paid
Provision for loan losses
Occupancy expense
Business development
Other expenses
Total operating expenses
Income before taxes and securities
Applicable taxes
Gain on securities/loans
(after taxes of .335 & .349)
Net income
Dividend declared
Increase in equity
Adjusted Net Income
Adjusted Net EPS
All figures except Net earnings per share in millions of dollars
The explanatory notes on Pages 2-6 form an integral part of this statement.
10/14/97 10:39:12 AM
The Stanford Bank Game, Version XI
Bank no. 1 — Period 2.1, Page 2
Footnotes to financial statements of The Stanford Bank Game Bank
1. Accounting Policies.
Standard accrual accounting, as set out
in the players manual, has been used in
preparation of these reports.
7. Interest accounts
Time deposit interest
(Public
5.901)
(C.D.'s
18.343)
(Savings
33.934)
2. Demand deposit accounts
Commercial
Regular checking
Public DD'S
Due-to-banks
Total DD'S
FRB Borrowing
Fed Fund purchases
Capital notes interest
Total interest paid
3. Time deposit accounts
Money market savings
Public
C.D.'s (private)
Total TD's
691.803
509.410
196.934
137.566
1535.712
194.164
79.684
85.550
359.398
Provision for loan losses:
Beginning balance
Additions this quarter
Less charge offs
Ending balance
Non-accruing loans—memo
10/14/97 10:39:12 AM
Amount Issued
49.620
2.956
3.185
1.588
4.553
1 Year
rate
amount
8.47
120.
8.45
120.
8.78
105.
9.23
75.
11. Default losses:
Losses due to default were experienced in the following municipals.
Matures in 11.3
0.400 million defaulted
Synd.
874.438
109.725
.275
Prime
635.479
431.720
.985
100.000
864.438
437.591
640.364
545.225
795.058
397.852
574.471
Real
Estate
248.636
2.264
.244
.000
30.708
276.836
.000
.000
.000
.000
.000
435.318
540.184
390.890
(** Assuming competitive rates maintained)
2.413
44.905
6. Loan account activity
Loans refused
Principal payments
next quarter. **
Amount Outstanding
37.837
20.219
15.937
20.992
16.907
6.234
5.771
4.330
3.028
7.582
6.209
.000
107.209
9. Service charge income
Commercial DD's service charge income
Regular DD's service charge income
DD processing costs
Net service charge income
10. CD portfolio
Matures
3 Month
6 Month
rate
amount
rate
amount
in
2.2
8.49
185.
8.38
200.
2.3
8.82
50.
2.4
3.1
4. Reserves and pledging requirements
Required reserves
194.164
(Actual reserves
194.164)
Pledged securities
U.S. governments
549.896
State and municipal
375.750
Beginning balance
Less payments
Less charge offs
Less loans sold
Plus new loans
Ending balance
Syndicated loan interest
Prime loan interest
High loan interest
Medium loan interest
Real estate loan interest
Consumer loan interest
Credit card loan interest
Treasury bills
U.S. Government notes
State and municipal bonds
Fed Fund sales
Total interest income
.000
1.833
.894
60.905
8. Capital notes account
Matures in
Rate
20.1
9.45
1740.220
295.061
855.420
2890.701
5. Cash accounts
Cash and FRB reserves
Float
Due-from-banks
Total cash
58.178
114.713
2.783
.275
.275
2.783
Commercial grades
High
Medium
781.236
560.104
529.473
381.322
1.929
2.164
Consumer
206.713
44.503
.683
Credit
Cards
165.951
202.407
.785
47.440
208.967
207.739
170.498
2.917
1.023
.985
2.955
5.769
1.946
1.929
5.787
6.392
2.263
2.164
6.491
.768
.207
.244
.731
2.055
.678
.683
2.050
2.267
.872
.785
2.355
7.042
12.535
14.151
1.285
4.055
4.309
The Stanford Bank Game, Version XI
Bank no. 1 — Period 2.1, Page 3
Footnotes to financial statements of The Stanford Bank Game Bank
12. Trust activities
Trust assets managed
Trust assets held in TD's
Trust assets held in DD's
Trust fee income
Pledging requirements
Direct trust expenses
18. Fees and other income
1071.531
87.866
130.727
2.069
240.451
1.406
13. Real estate loans
Total real estate loans serviced
Servicing income
Cost of servicing
Loan initiation fees
Cost of loan initiation
113.714
.142
.057
.384
.307
14. Credit card income
Credit card fee income
Credit card processing costs
12.508
12.567
Trust fees
Real estate servicing income
Real estate loan initiation fees
Credit card fees
Financial services fees
Letter of credit fees
Loan commitments fees
Other fee income
Total
2.069
.142
.384
12.508
2.978
.409
2.540
.840
21.869
19. Other expense
Direct trust
Servicing real estate loans
Real estate loan initiation cost
Credit card processing
Direct financial services
Direct letter of credit
Temporary employees & other
Total
1.406
.057
.307
12.567
2.213
.152
6.069
22.772
15. Financial services
20. Effect of branch activity
Fee income
Direct expenses
2.978
2.213
16. Letters of credit
Beginning balance
Less lapsed LOC's
Less new drawdowns
Plus new guarantees
Ending balance
Fee income from letters of credit
Direct letter of credit expenses
LOC's increase to non-accruing loans
657.227
140.750
26.810
164.015
653.682
.409
.152
1.995
Closing a branch
Money market savings/branch lost
Regular DD/branch lost
Commercial DD/branch lost
Premises disposed of/branch
Severance pay expense incurred
(only if more than one branch closed)
Opening a branch
New premises bought/branch
45.795
13.406
1.821
.729
.448
1.093
Current number of branches
34
17. Loan commitments
Unused lines of credit:
Beginning balance
Less lapsed commitments
Less commitments utilized
Plus new loan commitments
Ending balance
Fee income from commitments
Deposits securing commitments
10/14/97 10:39:12 AM
Total
4023.459
965.630
1380.668
2386.160
4063.321
2.540
60.950
Prime
1320.092
316.822
437.591
767.593
1333.272
High
1582.402
379.776
545.225
942.426
1599.826
Medium
1120.966
269.032
397.852
676.141
1130.222
The Stanford Bank Game, Version XI
Bank no. 1 — Period 2.1, Page 4
Footnotes to financial statements of The Stanford Bank Game Bank
21. Commercial loan payments (projected and actual) and outstandings
Projected to mature in 2.2
from
1.3
1.4
2.1
Total
PRIME
Spread
Amount
0.00%
52.69
0.00%
98.20
0.00%
284.43
435.32
HIGH
Spread
Amount
0.00%
63.27
-0.05%
122.52
-0.05%
354.40
540.18
MEDIUM
Spread
Amount
0.00%
45.94
0.01%
86.35
-0.07%
258.60
390.89
Spread
---%
0.00%
0.00%
Amount
51.51
98.75
281.46
431.72
Spread
---%
0.00%
-0.05%
Amount
61.73
119.28
348.46
529.47
Spread
---%
0.00%
0.01%
Amount
44.96
87.29
249.07
381.32
Spread
0.00%
0.00%
0.00%
Amount
52.69
151.07
437.59
0.99
640.36
Spread
0.00%
-0.05%
-0.05%
Amount
63.27
188.50
545.22
1.93
795.06
Spread
0.00%
0.01%
-0.07%
Amount
45.94
132.85
397.85
2.16
574.47
Actually matured in 2.1
from
1.2
1.3
1.4
Total
Currently outstanding in 2.1
from
1.3
1.4
2.1
Less charge offs
Total
22. Real estate & consumer loans: Selected data
Market Value
277.674
219.350
Total real estate portfolio
Saleable real estate portfolio
Market / Book for saleable real estate loans
Interest from saleable real estate loans
Consumer loan portfolio
Matures
at start
of period
2.3
2.4
3.1
3.2
3.3
3.4
4.1
4.2
Consumer
loan
rate
11.25
12.11
12.11
11.50
11.45
11.45
11.97
11.97
10/14/97 10:39:12 AM
Unpaid
principal
5.843
11.533
20.006
25.343
29.172
33.137
36.493
47.440
Book Value
276.836
220.716
99.38%
5.518
Real estate loan portfolio
Mortgage
rate
10.54
10.46
10.50
10.59
10.37
10.50
10.46
10.33
Unpaid
principal
.033
.063
.125
.158
.188
.215
.292
.335
Syndicated loan portfolio
Interest
Rate
9.15
9.35
9.75
9.20
9.15
9.15
9.35
9.75
Loan
Amount
114.713
109.725
115.000
100.000
110.000
105.000
110.000
100.000
The Stanford Bank Game, Version XI
Bank no. 1 — Period 2.1, Page 5
Static Gap Analysis — The Stanford Bank Game Bank
1-90
91-180
181-270
271-1Yr
1Yr-3Yrs
Over 3Yrs
Total
Rate Sensitive Assets
U.S. governments
State and munis
Fed funds sold
Syndicated loans
Commercial loans
Real estate loans
Consumer loans
Credit card loans
Total RSAs
547.46
404.85
0.00
114.71
2009.89
276.84
44.91
170.50
3569.16
109.72
0.00
0.00
44.91
0.00
154.63
115.00
0.00
0.00
44.91
0.00
159.91
100.00
0.00
0.00
44.91
0.00
144.91
425.00
0.00
0.00
29.33
0.00
454.33
0.00
0.00
0.00
0.00
0.00
547.46
404.85
0.00
864.44
2009.89
276.84
208.97
170.50
4482.95
Rate sensitive liabilities
Money market savings
Public time
Demand deposits
CDs
Fed funds purchased
FRB borrowing
Capital notes
Total RSLs
1740.22
295.06
153.57
505.42
85.42
0.00
0.62
2780.31
0.00
0.00
0.00
170.00
0.00
0.00
0.62
170.62
0.00
0.00
0.00
105.00
0.00
0.00
0.62
105.62
0.00
0.00
0.00
75.00
0.00
0.00
0.62
75.62
0.00
0.00
153.57
0.00
0.00
0.00
4.96
158.53
0.00
0.00
1228.57
0.00
0.00
0.00
30.40
1258.97
1740.22
295.06
1535.71
855.42
85.42
0.00
37.84
4549.67
788.85
15.78
(15.99)
54.29
69.29
295.80
(1258.97)
Balance sheet gap
IRR Cap. requirement
Years
To
Maturity
1
2
3
4
5
6
7
8
9
10
Total
Current Securities Data (excluding T-Bills & Maturities)
State & Muni
U.S. Securities
Sum of
Duration
Sum of
Duration
Market
Weighted
Duration
Market
Weighted
Value
Value
Factor
Value
Value
22.95
5.48
0.24
117.77
58.11
28.84
13.46
0.47
49.90
40.53
71.98
53.34
0.74
24.77
27.17
11.41
9.47
0.83
49.59
74.53
22.39
22.99
1.03
103.53
213.21
16.43
19.23
1.17
53.26
76.44
1.44
43.25
66.93
1.55
53.75
92.53
1.72
74.94
144.89
1.93
399.17
504.76
345.58
413.55
(66.72)
Duration
Factor
0.49
0.81
1.10
1.50
2.06
Futures Policy Data for Next Quarter
DW Value of securities
DW Value of sales
Duration weighted value of purchases
Total
Quarter
918.31
MV of securities exposed to rates
- ________ Current MV of securities exposed to rates
+ ________
= ________
Adjustment to retained earnings (after tax)
Pre-tax adjustment to retained earnings
Profit/Loss on futures
Speculation capital requirement
10/14/97 10:39:12 AM
1.4
776.18
2.1
786.18
744.75
-0.92
-1.77
1.09
0.00
The Stanford Bank Game, Version XI
Bank no. 1 — Period 2.1, Page 6
Trading and Available for Sale — Securities Portfolio Breakdown
The Stanford Bank Game Bank
Matures
In
2.2
2.3
2.4
3.1
3.2
3.3
3.4
4.1
4.2
4.3
4.4
5.1
5.2
5.3
5.4
6.1
6.2
6.3
6.4
7.1
Totals
Matures
In
2.2
2.3
2.4
3.1
3.2
3.3
3.4
4.1
4.2
4.3
4.4
5.1
5.2
5.3
5.4
6.1
6.2
6.3
6.4
7.1
Totals
State and Muni Bonds
Series A
Par
Coupon
Market
Value
Rate
Value
5.000
5.90
5.000
0.000
5.90
0.000
10.000
7.87
10.054
10.000
6.00
9.944
0.000
6.10
0.000
5.000
6.30
4.972
0.000
6.40
0.000
20.000
6.06
19.769
18.000
6.00
17.744
27.000
6.06
26.605
24.000
6.30
23.744
0.000
6.36
0.000
119.000
117.831
Par
Value
28.000
45.000
40.000
5.000
One Year U.S. Bonds
Coupon
Market
Rate
Value
7.48
28.000
7.56
44.989
7.88
39.997
7.96
4.996
118.000
117.982
Par value of treasury bills held 167.896 (Yield 7.21)
Securities maturing next period 207.563
10/14/97 10:39:12 AM
State and Muni Bonds
Series B
Par
Coupon
Market
Value
Rate
Value
0.667
3.40
0.667
0.833
3.50
0.826
1.333
3.60
1.312
0.833
3.60
0.814
0.833
3.70
0.808
1.250
3.70
1.204
0.833
4.20
0.803
1.333
4.30
1.279
2.083
4.40
1.991
1.250
4.50
1.191
0.750
3.90
0.701
0.000
3.90
0.000
0.417
4.00
0.386
1.250
4.00
1.150
2.500
4.20
2.301
8.333
4.00
7.575
0.000
4.00
0.000
16.667
4.00
14.976
8.333
3.90
7.413
0.000
3.60
0.000
Par
Value
6.000
6.000
7.000
15.000
15.000
15.000
10.000
10.000
5.000
0.000
10.000
10.000
10.000
15.000
5.000
20.000
30.000
40.000
30.000
5.000
264.000
Five Year U.S. Bonds
Coupon
Market
Rate
Value
5.30
6.000
6.20
5.979
7.20
6.976
6.50
14.829
8.20
14.997
8.20
14.978
8.20
9.971
8.20
9.956
7.90
4.943
8.00
0.000
8.30
9.934
8.20
9.896
8.30
9.908
8.60
14.969
8.70
5.001
8.26
19.711
8.18
29.445
8.26
39.312
8.58
29.796
8.66
4.977
261.579
Matures
In
7.2
7.3
7.4
8.1
8.2
8.3
8.4
9.1
9.2
9.3
9.4
10.1
10.2
10.3
10.4
11.1
11.2
11.3
11.4
12.1
State and Muni Bonds
Series B
Par
Coupon
Value
Rate
5.000
4.00
5.000
4.40
3.333
4.70
5.000
4.70
15.000
6.10
15.000
6.10
25.000
6.20
0.000
6.20
15.000
5.90
0.000
6.00
15.000
6.40
14.700
6.30
25.000
6.40
5.000
6.60
0.000
6.70
25.000
6.38
19.600
6.32
30.000
6.38
27.000
6.62
0.000
6.68
299.131
Market
Value
4.417
4.481
3.019
4.511
14.510
14.493
24.259
0.000
14.279
0.000
14.678
14.288
24.436
4.947
0.000
24.363
19.012
29.205
26.719
0.000
287.018
The Stanford Bank Game, Version XI
Bank no. 1 — Period 2.1, Page 7
Economic and Statistical Information — The Stanford Bank Game Bank
Market and competitive conditions
All banks in
economy at
start of qtr.
Loan Interest Rates
Syndicated
9.75
Prime
10.05
High
10.75
Medium
12.07
Real estate
10.40
Consumer
12.55
Credit card 16.50
Bank
number
1
10.05
10.70
12.00
10.10
11.97
Average for
banks playing
SBG XI
10.05
10.70
12.00
10.10
11.97
Economic indices at end of period 2.1
All banks in
economy at
present
10.01
10.31
11.24
12.35
10.65
12.85
16.50
Commit. fee
.50
.50
LOC fee
.25
.25
9.60
9.85
Prime rate
Time deposit rates
MM savings 7.75
CD's—3 mo
CD's—6 mo
CD's—1 yr
Public
8.00
Service charges
Comm C/I
4.50
CR/100
35.0
Reg C/C
6.00
CR/100
17.0
Cr. card fee
3.20
FRB regulations
Rediscount rate
DD reserve rqmt.
7.80
8.49
8.82
9.23
Start of qtr
7.50
14.50
4.50
35.0
6.00
18.0
3.20
Low
2125.
2210.
At present
7.75
14.50
758.
2564.
7.90
128
Syndicated loans available
8.15
4.50
35.0
6.00
18.0
3.20
Medium
2226.
2256.
4.50
35.0
6.00
18.0
3.20
Yield on Government Securities
Maturing
90 days
180 days
1 year
5 years
10 years
State/Muni
10 years
3 years
7.33
7.66
8.08
8.78
9.05
6.77
6.45
Average bank stock P/E ratio in economy
Fed funds rates
Borrowing
Lending
8.65
8.20
Beta
1.08
1.10
WACC
14.33
14.33
Corporate Return
16.69
Return
Net Interest Margin
Profit Margin
Asset Utilization
Return on Assets
Equity Multiplier
Return on Equity
Price / Earnings
7.8
8.52
8.25
1.10
10/14/97 10:39:12 AM
Forecast economic conditions
High
GNP next qtr
2250.
GNP next year
2301.
Fed Funds available
CD's available
7.80
8.49
8.82
9.23
2172.
125.0
110.5
115.9
140.
Gross National Product
Index of industrial production
Index of housing starts
Consumer price index
Net reserves in banks ($ millions)
1.08
CD Rates (this bank)
3 month
8.28
6 month
8.62
1 year
9.03
16.69
Performance Measures — This Bank and Average for All Banks
Avg
Bank 1
0.0415
0.0415
8.94%
8.94%
0.1100
0.1100
0.98%
0.98%
18.79
18.79
18.48% 18.48%
7.2
7.2
Risk
Liquid Assets / Total Assets
Net Volatile Assets / Total Assets
Capital Risk (Tot Equity / Tot Assets)
IRR (1yr RSA / 1yr RSL)
Credit Risk (Loan Reserves / Loans)
Capital notes rates
Economic Average
for bank 1
5 million
10 million
25 million
10.05
10.92
10.92
11.06
Avg
Bank 1
18.67% 18.67%
-3.34% -3.34%
0.0532
0.0532
1.2862
1.2862
0.66%
0.66%
The Stanford Bank Game, Version XI
Information common to all banks — Period 2.1, Page 8
Information on competing banks for The Stanford Bank Game Bank
Prime
Bank
No.
Rate
Diff
Mkt.
Rate
1
2
3
4
5
10.05
10.05
10.05
10.05
10.05
.00
.00
.00
.00
.00
Bank
No.
1
2
3
4
5
Bank
No.
1
2
3
4
5
Total
CD's
855.42
855.42
855.42
855.42
855.42
Net
Interest
Income
46.304
46.304
46.304
46.304
46.304
10/14/97 10:39:12 AM
High
Total
Comts
Percent
Change
Comts
1333.3
1333.3
1333.3
1333.3
1333.3
1.0
1.0
1.0
1.0
1.0
New
CD's
310.42
310.42
310.42
310.42
310.42
Total
Other
Income
26.422
26.422
26.422
26.422
26.422
Rate
Diff
Mkt.
Rate
10.70
10.70
10.70
10.70
10.70
-.05
-.05
-.05
-.05
-.05
Matured
CD's
404.93
404.93
404.93
404.93
404.93
Total
Nonaccrual
Loans
43.376
43.376
43.376
43.376
43.376
Medium
Total
Comts
Percent
Change
Comts
1599.8
1599.8
1599.8
1599.8
1599.8
1.1
1.1
1.1
1.1
1.1
Additions to
Loan loss
Reserves
7.265
7.265
7.265
7.265
7.265
Rate
Diff
Mkt.
Rate
Total
Comts
12.00
12.00
12.00
12.00
12.00
-.07
-.07
-.07
-.07
-.07
1130.2
1130.2
1130.2
1130.2
1130.2
LOC's
Additions to
Non-accruals
1.995
1.995
1.995
1.995
1.995
Percent
Change
Comts
.8
.8
.8
.8
.8
Total
LOC's
653.68
653.68
653.68
653.68
653.68
Total
Operating
Expense
Net
S/C
Income
Net
C.C.
Income
Net
Trust
Income
Net
F/S
Income
Net
LOC
Income
Net
R.E.
Income
Loan
Fee
Income
47.156
47.156
47.156
47.156
47.156
4.553
4.553
4.553
4.553
4.553
(.059)
(.059)
(.059)
(.059)
(.059)
.663
.663
.663
.663
.663
.764
.764
.764
.764
.764
.256
.256
.256
.256
.256
.162
.162
.162
.162
.162
2.540
2.540
2.540
2.540
2.540
The Stanford Bank Game, Version XI
Information common to all banks — Period 2.1, Page 9
Information on competing banks for The Stanford Bank Game Bank
EPS
Non
Op.
EPS
Adj.
Retained
Earnings
12.86
4.29
.12
-0.31
9.15
24.6%
10.05
18.3%
10.70
22.7%
12.00
16.4%
10.10
7.9%
11.97
6.0%
3.20
4.9%
2
12.86
4.29
.12
-0.31
9.15
24.6%
10.05
18.3%
10.70
22.7%
12.00
16.4%
10.10
7.9%
11.97
6.0%
3.20
4.9%
3
12.86
4.29
.12
-0.31
9.15
24.6%
10.05
18.3%
10.70
22.7%
12.00
16.4%
10.10
7.9%
11.97
6.0%
3.20
4.9%
4
12.86
4.29
.12
-0.31
9.15
24.6%
10.05
18.3%
10.70
22.7%
12.00
16.4%
10.10
7.9%
11.97
6.0%
3.20
4.9%
5
12.86
4.29
.12
-0.31
9.15
24.6%
10.05
18.3%
10.70
22.7%
12.00
16.4%
10.10
7.9%
11.97
6.0%
3.20
4.9%
Bank
No.
Credit
Flag
LOC
Flag
1
0
2
4.5
35. 6.0
18. 17.029
2
0
2
4.5
35. 6.0
3
0
2
4.5
4
0
2
5
0
2
Bank
No.
Earnings
1
10/14/97 10:39:12 AM
Synd.
Service charges
Comm
Reg
C/I CR C/I CR
Prime
Salaries
Flag
Total
Loan interest rates over
Percent of loan portfolio in each class
High
Medium
Real Est.
Div
Per
Share
Consumer
Price
Per
Share
Adv
Expense
Futures
Contracts
0
3.200
-96
1.10
105.7
18. 17.029
0
3.200
-96
1.10
105.7
35. 6.0
18. 17.029
0
3.200
-96
1.10
105.7
4.5
35. 6.0
18. 17.029
0
3.200
-96
1.10
105.7
4.5
35. 6.0
18. 17.029
0
3.200
-96
1.10
105.7
CC Fee
The Stanford Bank Game, Version XI
Information common to all banks — Period 2.1, Page 10
Bank positions at end of period for The Stanford Bank Game Bank
Bank
No.
1
2
3
4
5
Total
Cash
359.4
359.4
359.4
359.4
359.4
Average
359.4
Bank
No.
1
2
3
4
5
Commercial
Demand
Deposits
691.8
691.8
691.8
691.8
691.8
Average
10/14/97 10:39:12 AM
691.8
Government
Bills and
Notes
548.4
548.4
548.4
548.4
548.4
548.4
State
and
Local
404.8
404.8
404.8
404.8
404.8
404.8
Reg.
DD's
509.4
509.4
509.4
509.4
509.4
Other
DD's
334.5
334.5
334.5
334.5
334.5
509.4
334.5
M.M.
Time
Deposits
1740.2
1740.2
1740.2
1740.2
1740.2
1740.2
Commercial
Loans
2009.9
2009.9
2009.9
2009.9
2009.9
2009.9
Other
Loans
1497.6
1497.6
1497.6
1497.6
1497.6
Net
Premises
27.7
27.7
27.7
27.7
27.7
Total
Assets
4857.1
4857.1
4857.1
4857.1
4857.1
1497.6
27.7
4857.1
Rate
on
MM's
7.80
7.80
7.80
7.80
7.80
Next
6 Mo
CD
Rate
8.62
8.62
8.62
8.62
8.62
Other
TD's
1150.5
1150.5
1150.5
1150.5
1150.5
Fed
Funds
Bought
85.4
85.4
85.4
85.4
85.4
FRB
Borrowing
0.0
0.0
0.0
0.0
0.0
Capital
Notes
37.8
37.8
37.8
37.8
37.8
Total
Equity
258.5
258.5
258.5
258.5
258.5
7.80
8.62
1150.5
85.4
0.0
37.8
258.5
The Stanford Bank Game, Version XI
Bank no. 1 — Period 2.1, Page 11
Decision Data for The Stanford Bank Game Bank
Commercial Loan Interest Rates
Prime Loans Interest Rate
High Loans Interest Rate
Medium Loans Interest Rate
Consumer Loan Interest Rate
10.05
10.70
12.00
11.97
Real Estate Loans
Interest Rate
Sell Old Loans
Sell Current Loans
10.10
0
0
Loan Policies
General Credit Policy
Letter of Credit Policy
Service Charges, Fees and Credits
Credit Card Fee
Commercial Checking
Charge per Item
Credit each $100 average balance
Regular Checking
Charge per Item
Credit each $100 minimum balance
Certificates of Deposit
90 Day CD's
180 Day CD's
One Year CD's
Expenses and Allocations
Money Market Savings Rate
Business Development Budget
Branches
Close
Open
Salary Policy
Percent Effort New Business
Allocation of Officer Effort
Trust
Financial Services
Commercial Deposits
Regular Deposits
Public DDA's
Due to Banks
Public Time Deposits
CD's
Savings
Prime
High
Medium
Real Estate
Consumer Loans
Credit Card Outstanding
0
2
3.20
4.5
35.0
6.0
18.0
100
50
75
7.8
3.200
0
0
0
50
2
2
15
8
3
3
6
4
9
14
12
8
10
2
2
Syndicated Loans
Bought
100
Futures Contracts
Bought
Sold
0
96
10/14/97 10:39:12 AM
Capital Structure
Per Share Dividend
Stock
Flag
Amount
Notes
Flag
Amount
Securities Purchases
U.S. Government
90 Day
1 Year
5 Year
Municipals
3 Year, Series 'A'
10 Year, Series 'B'
Maximum Limits
Liabilities
Maximum FRB Borrowing
Maximum Fed Funds Purchased
Maximum New Public TD's
Loans
Maximum New Prime Loans
Maximum New High Loans
Maximum New Medium Loans
Securities Sales
Sale 1
Maturity Year and Quarter
Amount
Type
Sale 2
Maturity Year and Quarter
Amount
Type
Sale 3
Maturity Year and Quarter
Amount
Type
Sale 4
Maturity Year and Quarter
Amount
Type
Sale 5
Maturity Year and Quarter
Amount
Type
Sale 6
Maturity Year and Quarter
Amount
Type
Sale 7
Maturity Year and Quarter
Amount
Type
Sale 8
Maturity Year and Quarter
Amount
Type
1.10
0
0
0
0
0
5
5
0
0
999
999
999
999
999
999
0.0
0
0
0.0
0
0
0.0
0
0
0.0
0
0
0.0
0
0
0.0
0
0
0.0
0
0
0.0
0
0