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[null,"Home Page / Table of Contents"]
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[null,"Data Entry and Summary Analysis",null,"Non-Interest Items"]
[null,"Current Year Actual and Upcoming Budget Summary Financials",null,"Non-Interest Income"]
[null,"Summary Budget Analysis (Rate Vs. Volume)",null,"Non-Interest Expense"]
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[null,"Balance Growth",null,"Efficiency and Economy of Scale"]
[null,"Loan Balance",null,"Efficiency Ratio"]
[null,"Relationship Deposit Balance",null,"Economy of Scale Ratio"]
[null,"Rate Sensitive Funds Balance"]
[{"$nulls":3},"Asset Quality"]
[null,"Product Mix",null,"Net Charge-Offs"]
[null,"Loans as Percent of Assets",null,"Provision for Loan Loss Expense"]
[null,"Relationship Deposits as Percent of Assets"]
[null,"Non-Interest Income as Percent of Non-Interest Expense",null,"Reserves"]
[{"$nulls":3},"Loan Loss Reserve as Percent of Loans"]
[null,"Interest Rates",null,"Equity plus Loan Loss Reserve as Percent of Loans"]
[null,"Loan Yield",null,"Equity as Percent of Assets"]
[null,"Cash and Surplus Funds Yield"]
[null,"Relationship Deposit Cost",null,"Earnings"]
[null,"Rate Sensitive Funds Cost",null,"Pretax Net Income Excluding Extraordinary Items"]
[null,"Net Interest Margin",null,"Return on Assets"]

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[null,null,"Please enter all values in THOUSANDS of dollars.",null,"Current Year Performance",{"$nulls":13},"Upcoming Budget"]
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[{"$nulls":4},"2021-12-31",{"$f":"EOMONTH(E6,1)","v":"2022-01-31"},{"$f":"EOMONTH(F6,1)","v":"2022-02-28"},"2022-03-31","2022-04-30","2022-05-31","2022-06-30","2022-07-31","2022-08-31","2022-09-30","2022-10-31","2022-11-30","2022-12-31",null,{"$f":"EOMONTH(Q6,1)","v":"2023-01-31"},"2023-02-28","2023-03-31","2023-04-30","2023-05-31","2023-06-30","2023-07-31","2023-08-31","2023-09-30","2023-10-31","2023-11-30","2023-12-31",null,"Prior Avg","Bud Avg","Change","Pct Chg","End Chg","Pct Chg"]
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[null,"B1","Gross Loans",{"$nulls":28},{"$f":"IFERROR(AVERAGE(E8:Q8),0)","v":{"v":0,"d":"0 "}},{"$f":"IFERROR(AVERAGE(Q8,S8:AD8),0)","v":{"v":0,"d":"0 "}},{"$f":"AG8-AF8","v":{"v":0,"d":"0 "}},{"$f":"IFERROR(AH8/AF8,0)","v":{"v":0,"d":"0.0%"}},{"$f":"AD8-Q8","v":{"v":0,"d":"0 "}},{"$f":"IFERROR(AJ8/Q8,0)","v":{"v":0,"d":"0.0%"}}]
[null,"B2","Cash and Surplus Funds",{"$nulls":28},{"$f":"IFERROR(AVERAGE(E9:Q9),0)","v":{"v":0,"d":"0 "}},{"$f":"IFERROR(AVERAGE(Q9,S9:AD9),0)","v":{"v":0,"d":"0 "}},{"$f":"AG9-AF9","v":{"v":0,"d":"0 "}},{"$f":"IFERROR(AH9/AF9,0)","v":{"v":0,"d":"0.0%"}},{"$f":"AD9-Q9","v":{"v":0,"d":"0 "}},{"$f":"IFERROR(AJ9/Q9,0)","v":{"v":0,"d":"0.0%"}}]
[null,"B3","Loan Loss Reserve",{"$nulls":28},{"v":0,"d":"0 "},{"$f":"IFERROR(AVERAGE(Q10,S10:AD10),0)","v":{"v":0,"d":"0 "}},{"$f":"AG10-AF10","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"},{"$f":"AD10-Q10","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"}]
[null,"B4","Fixed and Other Assets",{"$nulls":28},{"v":0,"d":"0 "},{"$f":"IFERROR(AVERAGE(Q11,S11:AD11),0)","v":{"v":0,"d":"0 "}},{"$f":"AG11-AF11","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"},{"$f":"AD11-Q11","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"}]
[null,"B5","Total Assets",null,{"$f":"SUM(E8,E9,E11)-E10","v":{"v":0,"d":"0 "}},{"$f":"SUM(F8,F9,F11)-F10","v":{"v":0,"d":"0 "}},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"$f":"AVERAGE(E12:Q12)","v":{"v":0,"d":"0 "}},{"$f":"AVERAGE(Q12,S12:AD12)","v":{"v":0,"d":"0 "}},{"$f":"AG12-AF12","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"},{"$f":"AD12-Q12","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"}]
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[null,"B6","Relationship Deposits",{"$nulls":28},{"$f":"IFERROR(AVERAGE(E14:Q14),0)","v":{"v":0,"d":"0 "}},{"$f":"IFERROR(AVERAGE(Q14,S14:AD14),0)","v":{"v":0,"d":"0 "}},{"$f":"AG14-AF14","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"},{"$f":"AD14-Q14","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"}]
[null,"B7","Rate Sensitive Funds",{"$nulls":28},{"v":0,"d":"0 "},{"$f":"IFERROR(AVERAGE(Q15,S15:AD15),0)","v":{"v":0,"d":"0 "}},{"$f":"AG15-AF15","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"},{"$f":"AD15-Q15","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"}]
[null,"B8","Other Liabilities",{"$nulls":28},{"v":0,"d":"0 "},{"$f":"IFERROR(AVERAGE(Q16,S16:AD16),0)","v":{"v":0,"d":"0 "}},{"$f":"AG16-AF16","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"},{"$f":"AD16-Q16","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"}]
[null,"B9","Equity",{"$nulls":28},{"v":0,"d":"0 "},{"$f":"IFERROR(AVERAGE(Q17,S17:AD17),0)","v":{"v":0,"d":"0 "}},{"$f":"AG17-AF17","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"},{"$f":"AD17-Q17","v":{"v":0,"d":"0 "}},{"v":0,"d":"0.0%"}]
[null,"B10","Total Liab + Equity",null,{"$f":"SUM(E14:E17)","v":{"v":0,"d":"0 "}},{"$f":"SUM(F14:F17)","v":{"v":0,"d":"0 "}},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "}]
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[null,null,"Balance Test",null,{"$f":"ROUND(E18-E12,0)","v":{"v":0,"d":"0 "}},{"$f":"ROUND(F18-F12,0)","v":{"v":0,"d":"0 "}},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,"Prior Yr","Budget","Change"]
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[null,"I1","Loan Interest",{"$nulls":28},{"$f":"SUM(E22:Q22)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S22:AD22)","v":{"v":0,"d":"0 "}},{"$f":"AG22-AF22","v":{"v":0,"d":"0 "}}]
[null,"I2","Surplus Funds Interest",{"$nulls":28},{"$f":"SUM(E23:Q23)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S23:AD23)","v":{"v":0,"d":"0 "}},{"$f":"AG23-AF23","v":{"v":0,"d":"0 "}}]
[null,"I3","Relationship Deposit Interest",{"$nulls":28},{"$f":"SUM(E24:Q24)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S24:AD24)","v":{"v":0,"d":"0 "}},{"$f":"AG24-AF24","v":{"v":0,"d":"0 "}}]
[null,"I4","Rate Sensitive Funds Interest",{"$nulls":28},{"$f":"SUM(E25:Q25)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S25:AD25)","v":{"v":0,"d":"0 "}},{"$f":"AG25-AF25","v":{"v":0,"d":"0 "}}]
[null,"I5","Net Interest Income",null,null,{"$f":"SUM(F22:F23)-SUM(F24:F25)","v":{"v":0,"d":"0 "}},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"$f":"SUM(E26:Q26)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S26:AD26)","v":{"v":0,"d":"0 "}},{"$f":"AG26-AF26","v":{"v":0,"d":"0 "}}]
[]
[null,"I6","Non-Interest Income",{"$nulls":28},{"$f":"SUM(E28:Q28)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S28:AD28)","v":{"v":0,"d":"0 "}},{"$f":"AG28-AF28","v":{"v":0,"d":"0 "}}]
[null,"I7","Non-Interest Expense",{"$nulls":28},{"$f":"SUM(E29:Q29)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S29:AD29)","v":{"v":0,"d":"0 "}},{"$f":"AG29-AF29","v":{"v":0,"d":"0 "}}]
[]
[null,"I8","Net Charge-Offs",{"$nulls":28},{"$f":"SUM(E31:Q31)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S31:AD31)","v":{"v":0,"d":"0 "}},{"$f":"AG31-AF31","v":{"v":0,"d":"0 "}}]
[null,"I9","Provision for Loan Loss Expense",{"$nulls":28},{"$f":"SUM(E32:Q32)","v":{"v":0,"d":"0 "}},{"$f":"SUM(S32:AD32)","v":{"v":0,"d":"0 "}},{"$f":"AG32-AF32","v":{"v":0,"d":"0 "}}]
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[null,null,"Operating Net Income",null,null,{"$f":"F26+F28-F29-F32","v":{"v":0,"d":"0 "}},{"$f":"G26+G28-G29-G32","v":{"v":0,"d":"0 "}},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "}]
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[null,"I10","Extraordinary Inc(Exp)"]
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[null,"I11","Pretax Net Income",null,null,{"$f":"SUM(F26,F28,F36)-SUM(F29,F32)","v":{"v":0,"d":"0 "}},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "}]
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[null,"R1","Loan Yield",null,null,{"$f":"IFERROR(F22/F$41*SUM($F$41:$Q$41)/AVERAGE(E8:F8),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(S22/S$41*SUM($S$41:$AD$41)/AVERAGE(Q8,S8),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(T22/T$41*SUM($S$41:$AD$41)/AVERAGE(S8:T8),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(SUMPRODUCT(F43:Q43,F8:Q8)/SUM(F8:Q8),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(SUMPRODUCT(S43:AD43,S8:AD8)/SUM(S8:AD8),0)","v":{"v":0,"d":"0.00%"}},{"$f":"AG43-AF43","v":{"v":0,"d":"0.00%"}}]
[null,"R2","Cash and Surplus Funds Yield",null,null,{"$f":"IFERROR(F23/F$41*SUM($F$41:$Q$41)/AVERAGE(E9:F9),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(S23/S$41*SUM($S$41:$AD$41)/AVERAGE(Q9,S9),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(T23/T$41*SUM($S$41:$AD$41)/AVERAGE(S9:T9),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(SUMPRODUCT(F44:Q44,F9:Q9)/SUM(F9:Q9),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(SUMPRODUCT(S44:AD44,S9:AD9)/SUM(S9:AD9),0)","v":{"v":0,"d":"0.00%"}},{"$f":"AG44-AF44","v":{"v":0,"d":"0.00%"}}]
[null,"R3","Cost of Relationship Deposits",null,null,{"$f":"IFERROR(F24/F$41*SUM($F$41:$Q$41)/AVERAGE(E14:F14),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(S24/S$41*SUM($S$41:$AD$41)/AVERAGE(Q14,S14),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(T24/T$41*SUM($S$41:$AD$41)/AVERAGE(S14:T14),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(SUMPRODUCT(F45:Q45,F14:Q14)/SUM(F14:Q14),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(SUMPRODUCT(S45:AD45,S14:AD14)/SUM(S14:AD14),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"}]
[null,"R4","Cost of Rate Sensitive Funds",null,null,{"$f":"IFERROR(F25/F$41*SUM($F$41:$Q$41)/AVERAGE(E15:F15),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(S25/S$41*SUM($S$41:$AD$41)/AVERAGE(Q15,S15),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(T25/T$41*SUM($S$41:$AD$41)/AVERAGE(S15:T15),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(SUMPRODUCT(F46:Q46,F15:Q15)/SUM(F15:Q15),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(SUMPRODUCT(S46:AD46,S15:AD15)/SUM(S15:AD15),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"}]
[null,"R5","Net Interest Margin",null,null,{"$f":"IFERROR(F26/F$41*SUM($F$41:$Q$41)/AVERAGE(E12:F12),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(S26/S$41*SUM($S$41:$AD$41)/AVERAGE(Q12,S12),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(T26/T$41*SUM($S$41:$AD$41)/AVERAGE(S12:T12),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR(SUMPRODUCT(F47:Q47,F12:Q12)/SUM(F12:Q12),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(SUMPRODUCT(S47:AD47,S12:AD12)/SUM(S12:AD12),0)","v":{"v":0,"d":"0.00%"}},{"$f":"AG47-AF47","v":{"v":0,"d":"0.00%"}}]
[]
[null,"S1","Loan Loss Reserve",null,null,{"$f":"IFERROR(F10/F8,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(G10/G8,0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"}]
[null,"S2","Equity + Loan Loss Reserve as Percent of Loans",null,null,{"$f":"IFERROR(SUM(F10,F17)/F8,0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM(G10,G17)/G8,0)","v":{"v":0,"d":"0.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},null,{"$f":"IFERROR(SUM(S10,S17)/S8,0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM(T10,T17)/T8,0)","v":{"v":0,"d":"0.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"}]
[null,"S3","Equity as Percent of Assets",null,null,{"$f":"IFERROR(F17/F12,0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(G17/G12,0)","v":{"v":0,"d":"0.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},null,{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"}]
[]
[null,"Y1","Efficiency Ratio",null,null,{"$f":"IFERROR(F29/SUM(F26,F28),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(G29/SUM(G26,G28),0)","v":{"v":0,"d":"0.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},null,{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},null,{"$f":"IFERROR(AF29/SUM(AF26,AF28),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(AG29/SUM(AG26,AG28),0)","v":{"v":0,"d":"0.0%"}},{"$f":"AG53-AF53","v":{"v":0,"d":"0.0%"}}]
[null,"Y2","Economy of Scale Ratio",null,null,{"$f":"IFERROR(((F29-F28)*12)/SUM(F8,F14),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(((G29-G28)*12)/SUM(G8,G14),0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR((AF29-AF28)/SUM(AF8,AF14),0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((AG29-AG28)/SUM(AG8,AG14),0)","v":{"v":0,"d":"0.00%"}},{"$f":"AG54-AF54","v":{"v":0,"d":"0.00%"}}]
[]
[null,"M1","Loans as Percent of Assets",null,null,{"$f":"IFERROR(F8/F$12,0)","v":{"v":0,"d":"0.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},null,{"$f":"IFERROR(S8/S$12,0)","v":{"v":0,"d":"0.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"}]
[null,"M2","Relationship Deposits as Percent of Assets",null,null,{"$f":"IFERROR(F14/F$12,0)","v":{"v":0,"d":"0.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},null,{"$f":"IFERROR(S14/S$12,0)","v":{"v":0,"d":"0.0%"}},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"},{"v":0,"d":"0.0%"}]
[null,"M3","YTD Non-Int Inc as Percent of Non-Int Exp",null,null,{"$f":"IFERROR(SUM($F28:F28)/SUM($F29:F29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:G28)/SUM($F29:G29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:H28)/SUM($F29:H29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:I28)/SUM($F29:I29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:J28)/SUM($F29:J29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:K28)/SUM($F29:K29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:L28)/SUM($F29:L29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:M28)/SUM($F29:M29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:N28)/SUM($F29:N29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:O28)/SUM($F29:O29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:P28)/SUM($F29:P29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($F28:Q28)/SUM($F29:Q29),0)","v":{"v":0,"d":"0.0%"}},null,{"$f":"IFERROR(SUM($S28:S28)/SUM($S29:S29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:T28)/SUM($S29:T29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:U28)/SUM($S29:U29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:V28)/SUM($S29:V29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:W28)/SUM($S29:W29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:X28)/SUM($S29:X29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:Y28)/SUM($S29:Y29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:Z28)/SUM($S29:Z29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:AA28)/SUM($S29:AA29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:AB28)/SUM($S29:AB29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:AC28)/SUM($S29:AC29),0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(SUM($S28:AD28)/SUM($S29:AD29),0)","v":{"v":0,"d":"0.0%"}},null,{"$f":"IFERROR(AF28/AF29,0)","v":{"v":0,"d":"0.0%"}},{"$f":"IFERROR(AG28/AG29,0)","v":{"v":0,"d":"0.0%"}},{"$f":"AG58-AF58","v":{"v":0,"d":"0.0%"}}]
[]
[null,"N1","Pretax Operating Net Income",null,null,{"$f":"F26+F28-F29-F32","v":{"v":0,"d":"0 "}},{"$f":"G26+G28-G29-G32","v":{"v":0,"d":"0 "}},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"v":0,"d":"0 "},null,{"v":0,"d":"0 "},{"v":0,"d":"0 "},{"$f":"AG60-AF60","v":{"v":0,"d":"0 "}}]
[null,"N2","Pretax Operating ROA",null,null,{"$f":"IFERROR((F60*12)/F12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((G60*12)/G12,0)","v":{"v":0,"d":"0.00%"}},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},{"v":0,"d":"0.00%"},null,{"$f":"IFERROR((S60*12)/S12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((T60*12)/T12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((U60*12)/U12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((V60*12)/V12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((W60*12)/W12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((X60*12)/X12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((Y60*12)/Y12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((Z60*12)/Z12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((AA60*12)/AA12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((AB60*12)/AB12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((AC60*12)/AC12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR((AD60*12)/AD12,0)","v":{"v":0,"d":"0.00%"}},null,{"$f":"IFERROR(AF60/AF12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"IFERROR(AG60/AG12,0)","v":{"v":0,"d":"0.00%"}},{"$f":"AG61-AF61","v":{"v":0,"d":"0.00%"}}]

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[]
[]
[null,null,{"$f":"_xlfn.CONCAT(TEXT(Data!AD6,\"yyy\"),\" Budget Analysis\")","v":"2023 Budget Analysis"}]
[]
[{"$nulls":4},{"$f":"_xlfn.CONCAT(\"Actual \",TEXT(Data!Q6,\"yyy\"))","v":"Actual 2022"},{"$f":"_xlfn.CONCAT(\"Budget \",TEXT(Data!AD6,\"yyy\"))","v":"Budget 2023"},"Change","Pct Chg","Impact","Impact Chart",null,null,false,"Show Detail"]
[null,null,"Consumption"]
[null,"NIE","Non-Interest Expense",null,{"$f":"VLOOKUP($B7,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B7,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B7,RateVolData!$B:$K,5,FALSE)","v":0},{"$f":"IFERROR(G7/E7,0)","v":{"v":0,"d":"0.0%"}},{"$f":"VLOOKUP($B7,RateVolData!$B:$K,10,FALSE)","v":0},{"$f":"I7","v":0}]
[null,"PLL","Provision for Loan Loss Expense",null,{"$f":"VLOOKUP($B8,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B8,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B8,RateVolData!$B:$K,5,FALSE)","v":0},{"$f":"IFERROR(G8/E8,0)","v":{"v":0,"d":"0.0%"}},{"$f":"VLOOKUP($B8,RateVolData!$B:$K,10,FALSE)","v":0},0]
[{"$nulls":9},0]
[null,null,"Total Consumption",null,{"$f":"SUM(E7:E8)","v":0},{"$f":"SUM(F7:F8)","v":0},{"$f":"SUM(G7:G8)","v":0},{"$f":"IFERROR(G10/E10,0)","v":{"v":0,"d":"0.0%"}},{"$f":"SUM(I7:I8)","v":0},{"$f":"I10","v":0}]
[{"$nulls":9},0]
[null,null,"Growth (Avg Bal & Non-Int Inc)",{"$nulls":6},0]
[null,{"$f":"VLOOKUP($M13,$N$13:$P$20,2,FALSE)","v":"Lns"},{"$f":"VLOOKUP($M13,$N$13:$P$20,3,FALSE)","v":"Loans"},null,{"$f":"VLOOKUP($B13,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B13,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B13,RateVolData!$B:$K,5,FALSE)","v":0},{"$f":"IFERROR(G13/E13,0)","v":{"v":0,"d":"0.0%"}},{"$f":"VLOOKUP($B13,RateVolData!$B:$K,10,FALSE)","v":0},{"$f":"I13","v":0},null,null,1,{"$f":"RANK(Q13,$Q$13:$Q$20)","v":1},"Lns","Loans",{"$f":"VLOOKUP($O13,RateVolData!$B:$K,10,FALSE)+R13","v":{"v":9.6794488135145e-07,"d":"0"}},9.6794488135145e-07]
[null,{"$f":"VLOOKUP($M14,$N$13:$P$20,2,FALSE)","v":"Rel Bal"},{"$f":"VLOOKUP($M14,$N$13:$P$20,3,FALSE)","v":"Relationship Deposits"},null,{"$f":"VLOOKUP($B14,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B14,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B14,RateVolData!$B:$K,5,FALSE)","v":0},{"v":0,"d":"0.0%"},{"$f":"VLOOKUP($B14,RateVolData!$B:$K,10,FALSE)","v":0},0,null,null,2,{"$f":"RANK(Q14,$Q$13:$Q$20)","v":3},"LLR","Loan Loss Reserve",{"$f":"VLOOKUP($O14,RateVolData!$B:$K,10,FALSE)+R14","v":{"v":8.74617000279224e-07,"d":"0"}},8.74617000279224e-07]
[null,"LLR","Loan Loss Reserve",null,{"$f":"VLOOKUP($B15,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B15,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B15,RateVolData!$B:$K,5,FALSE)","v":0},{"v":0,"d":"0.0%"},{"$f":"VLOOKUP($B15,RateVolData!$B:$K,10,FALSE)","v":0},0,null,null,3,5,"NEA","Non-Earning Assets",{"$f":"VLOOKUP($O15,RateVolData!$B:$K,10,FALSE)+R15","v":{"v":6.26066783917462e-07,"d":"0"}},6.26066783917462e-07]
[null,"NII","Non-Interest Income",null,{"$f":"VLOOKUP($B16,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B16,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B16,RateVolData!$B:$K,5,FALSE)","v":0},{"v":0,"d":"0.0%"},{"$f":"VLOOKUP($B16,RateVolData!$B:$K,10,FALSE)","v":0},0,null,null,4,2,"Rel Bal","Relationship Deposits",{"$f":"VLOOKUP($O16,RateVolData!$B:$K,10,FALSE)+R16","v":{"v":9.0481324163271e-07,"d":"0"}},9.0481324163271e-07]
[null,"NEA","Non-Earning Assets",null,{"$f":"VLOOKUP($B17,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B17,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B17,RateVolData!$B:$K,5,FALSE)","v":0},{"v":0,"d":"0.0%"},{"$f":"VLOOKUP($B17,RateVolData!$B:$K,10,FALSE)","v":0},0,null,null,5,8,"RS Bal","Rate Sensitive Funds",{"$f":"VLOOKUP($O17,RateVolData!$B:$K,10,FALSE)+R17","v":{"v":8.1397422404659e-08,"d":"0"}},8.1397422404659e-08]
[null,"Other","Other Liabilities",null,{"$f":"VLOOKUP($B18,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B18,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B18,RateVolData!$B:$K,5,FALSE)","v":0},{"v":0,"d":"0.0%"},{"$f":"VLOOKUP($B18,RateVolData!$B:$K,10,FALSE)","v":0},0,null,null,6,6,"Other","Other Liabilities",{"$f":"VLOOKUP($O18,RateVolData!$B:$K,10,FALSE)+R18","v":{"v":4.87313509261465e-07,"d":"0"}},4.87313509261465e-07]
[null,"Cap","Equity",null,{"$f":"VLOOKUP($B19,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B19,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B19,RateVolData!$B:$K,5,FALSE)","v":0},{"v":0,"d":"0.0%"},{"$f":"VLOOKUP($B19,RateVolData!$B:$K,10,FALSE)","v":0},0,null,null,7,7,"Cap","Equity",{"$f":"VLOOKUP($O19,RateVolData!$B:$K,10,FALSE)+R19","v":{"v":3.21330126654e-07,"d":"0"}},3.21330126654e-07]
[null,"RS Bal","Rate Sensitive Funds",null,{"$f":"VLOOKUP($B20,RateVolData!$B:$K,2,FALSE)","v":0},{"$f":"VLOOKUP($B20,RateVolData!$B:$K,3,FALSE)","v":0},{"$f":"VLOOKUP($B20,RateVolData!$B:$K,5,FALSE)","v":0},{"v":0,"d":"0.0%"},{"$f":"VLOOKUP($B20,RateVolData!$B:$K,10,FALSE)","v":0},0,null,null,8,4,"NII","Non-Interest Income",{"$f":"VLOOKUP($O20,RateVolData!$B:$K,10,FALSE)+R20","v":{"v":7.19292094762064e-07,"d":"0"}},7.19292094762064e-07]
[{"$nulls":9},0]
[null,null,"Subtotal Growth",{"$nulls":5},{"$f":"SUM(I13:I21)","v":0},{"$f":"I22","v":0}]
[{"$nulls":9},0]
[null,null,"Pricing",{"$nulls":6},0]
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