Q.3888 XYZ Bank has the following forecasts for its checkable deposits, time and savings deposits, commercial loans, and consumer loans over the next eight months as follows.

XYZ Bank Forecasts for Deposits and Loans Over the Next Eight Months in US$

Month	Checkable Deposits	Time and Savings Deposits	Commercial Loans	Consumer Loans
January	219	639	729	209
February	216	591	731	267
March	203	593	783	265
April	189	580	785	213
May	210	562	797	211
June	187	589	789	234
July	189	626	791	232
August	209	618	768	230

Employ the sources and uses of funds approach to determine the month, which is likely to have a liquidity surplus.