Analyze the Liability Mix and Rate Differences for Heritage Bank

Analyze the Liability Mix and Rate Differences for Heritage Bank and the PG3 to explain differences and trends in IE%.
$$\begin{array} { | l c c c c | } \hline \text { Cost of Funds \% } & \mathbf { 2 0 0 6 } & \text { PG3 } & \mathbf { 2 0 0 5 } & \text { PG3 } \\\hline \text { Total Interest Bearing Deposits } & 3.72 & 3.27 & 2.53 & 2.26 \\\hline \text { Transaction Accounts } & 0.98 & 1.44 & 0.70 & 0.98 \\\hline \text { Other Savings Deposits } & 2.94 & 2.25 & 1.92 & 1.43 \\\hline \text { Time Deps Over } \$ 100 \mathrm { M } & 5.26 & 4.36 & 3.61 & 3.20 \\\hline \text { All Other Time Deposits } & 4.85 & 4.12 & 3.43 & 3.04 \\\hline \text { Federal Funds Purchased \& Repos } & 3.64 & 4.45 & 2.83 & 2.81 \\\hline \text { Other Borrowed Money } & 5.18 & 4.70 & 3.86 & 3.94 \\\hline \text { All Interest-Bearing finds } & 3.85 & 3.40 & 2.77 & 2.41 \\\hline\end{array}$$
Other Liabilities:
$$\begin{array} {| l c c c c | } \hline\text { FFP \& Repos } & 2.08 \% & 1.94 \% & 0.67 \% & 1.95 \% \\\hline \text { FHL Borrowings } & 6.79 \% & 4.51 \% & 12.73 \% & 4.90 \% \\\hline \text { Other Borrowings } & 0.02 \% & 0.06 \% & 0.00 \% & 0.07 \% \\\hline \text { ST Non-Corefund } & 23.56 \% & 17.88 \% & 24.98 \% & 15.20 \% \\\hline \text { Other Liabs. } & 1.17 \% & 0.73 \% & 1.08 \% & 0.66 \% \\\hline \text { Total Liabs. } & 92.33 \% & 90.65 \% & 92.56 \% & 90.68 \% \\\hline \text { Brokered Deps. } & 0.00 \% & 2.79 \% & 0.00 \% & 2.05 \% \\\hline \end{array}$$