First Horizon Bank

FFIEC Liquidity and Funds Management Handbook; OCC Comptroller's Handbook, Liquidity booklet

Cash and balances at depositories $1,537M against total assets $81,866M. This is a narrow liquidity proxy (cash + interbank balances only) and excludes the institution's unencumbered securities portfolio, which is its primary liquidity buffer at normal sizing. Levels below 4% combined with weak alternative funding sources merit explicit Contingency Funding Plan review.

Provide a full liquidity position report including unencumbered securities (Treasuries, agency MBS), available FHLB / discount window collateral, and 30-day net cash outflow projections. Demonstrate the Contingency Funding Plan addresses scenarios where cash positions decline and securities cannot be sold without loss.

Interagency Policy Statement on Funding and Liquidity Risk Management (March 2010); FFIEC Liquidity and Funds Management Handbook

Gross loans and leases $63,128M against total deposits $66,433M. A loans/deposits ratio above 100% indicates the institution funds loan growth with non-deposit (wholesale, brokered, or borrowed) funding sources, increasing liquidity and funding-cost sensitivity.

Provide an updated Contingency Funding Plan with specific playbook triggers (deposit-runoff thresholds, asset-sale order). Quantify uninsured-deposit runoff under stress scenarios. Document back-up borrowing capacity at FHLB, the discount window, and any standing facilities; pre-position collateral.