The purpose of this discussion is to analyze the profitability of using various sources of deposit and non-deposit funds .. in the acquisition of loans and investments by a commercial bank. First, alternative non-deposit funds sources are identified and described. Then an analytical model that can be used to determine the optimal use of deposit and non-deposit funds in the acquisition of alternative loan and Investment assets is presented. Finally, the results of applying the model to a case bank are described to illustrate the utilization and profitability of non-deposit funds sources.