91影视

Go to the St. Louis Federal Reserve FRED database, and find data for all commercial banks on total liabilities (TLBACBM027SBOG), total deposits (DPSACBM027SBOG), and residual of assets less liabilities (RALACBM027SBOG).

a. What is the balance sheet interpretation of the residual of assets less liabilities?

b. For the most recent month of data available, use the three indicators listed above to calculate the total amount of borrowings by banks.

Why might a bank be willing to borrow funds from other banks at a higher rate than the rate at which it can borrow from the Fed?

If a bank doubles the amount of its capital and ROA stays constant, what will happen to ROE?

If the president of a bank told you that the bank was so well run that it has never had to call in loans, sell securities, or borrow as a result of a deposit outflow, would you be willing to buy stock in that bank? Why or why not?

鈥淏ecause diversification is a desirable strategy for avoiding risk, it never makes sense for a bank to specialize in making specific types of loans.鈥� Is this statement true, false, or uncertain? Explain your answer

鈥淏ank managers should always seek the highest return possible on their assets.鈥� Is this statement true, false, or uncertain? Explain your answer.

After July $2010$, bank customers using a debit card had to specifically opt-in to the bank鈥檚 overdraft protection plan. Explain the effect of this regulation on a bank鈥檚 noninterest income.

Rank the following bank assets from most to least liquid:

a. Commercial loans

b. Securities

c. Reserves

d. Physical capital

What happens to reserves at the First National Bank if one person withdraws $\backslash (1,100$of cash and another person deposits$\backslash )200$of cash? Use T-accounts to explain your answer.

New Bank started its first day of operations with $\backslash (155$million in capital. A total of $\backslash )92$million in checkable deposits is received. The bank makes a $\backslash (28$ million commercial loan and lends another $\backslash )23$ million in mortgage loans. If required reserves are $5.4\%$, what does the bank balance sheet look like?