The balance sheet of XYZ Bank appears below. All figures in millions of U.S. dollars. 
-Total one-year rate-sensitive liabilities is
Definitions:
Summarized Listing
A condensed version of a list that highlights main points or entries, often used for quick reference.
Fund Balances
The net assets in governmental funds, representing the difference between assets and liabilities.
Operating Fund
A fund used by an organization to manage its day-to-day operational expenses.
Encumbrance System
A legal system concerning real property wherein a claim or lien is placed on the property, affecting its use and transferability.
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