peer deposit pricing and historical growth data 2 comparable market sales data e g numbers of and or prices paid in spin offs divestitures liquidations b wholesale funding markets e g federal home loan bank fed funds market discount window 6 current credit rates e g u s treasury agency municipal and corporate debt rates according to the invention the computer system analyzes the internal and external data as explained here to generate outputs regarding the subject deposit liabilities base these outputs are then incorporated in contractual documents that specify the price the writer will pay during a predetermined term for the subject deposit liabilities base accompanied by a corresponding amount of assets at their own fair market value by way of example these outputs may include 1 local regional national peer rankings of the subject deposit liabilities base versus similar bases 3 adjust annual cost savings for risk and time value of money as follows annual cost savings 1 discount factor yr d formulate potential bid s based on c subject to investment criteria which may include it will be understood that multiple iterations may be performed to further refine analysis conclusions of course it should be understood that various changes and modifications to the preferred embodiments described herein will be apparent to those skilled in the art other changes and modifications constituting insubstantial differences from the present invention such as those expressed here or others left unexpressed but apparent to those of ordinary skill in the art can be made without departing from the spirit and scope of the present invention and without diminishing its attendant advantages it is therefore intended that such changes and modifications.