Bank Management.docx.docx
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Bank Management.docx.docx
CHAPTER 31.What are the major categories of depository institution assets and their approximate percentage contribution to total resources? What are t Bank Management.docx.docxthe major categories of depository institution liabilities? What are the fundamental differences between them?For a large bank, assets consist approximately of marketable securities (20%), loans (70%), and other assets (10%). Liabilities consist of core deposits (40%-60%), noncore, purchased liabili Bank Management.docx.docxties (20%-40%), and other liabilities (5 %-10%) as a fraction of assets. Small banks typically obtain more funds in the form of core deposits and lessBank Management.docx.docx
in the form of noncore, purchased liabilities. Small banks often invest more in securities as well. Of course, the actual percentages for any bank deCHAPTER 31.What are the major categories of depository institution assets and their approximate percentage contribution to total resources? What are t Bank Management.docx.docxerest income and expense. What are the primary components of each? Define net interest income (NIM) and burden. What does a bank's efficiency ratio measure?A bank's interest income consists of interest earned on loans and securities while noninterest income includes revenues from deposit service cha Bank Management.docx.docxrges, trust department fees, fees from nonbank subsidiaries, etc.-Interest expense consists of interest paid on interest-bearing core deposits and nonBank Management.docx.docx
core liabilities while noninterest expense is comprised of overhead costs, personnel costs, and other costs. A bank's net interest income equals its iCHAPTER 31.What are the major categories of depository institution assets and their approximate percentage contribution to total resources? What are t Bank Management.docx.docx to its pre-tax equivalent.-A bank's burden is defined as its noninterest expense minus noninterest income. This is often quoted as a fraction of total assets.-A bank’s efficiency ratio is calculated as noninterest expense divided by the sum of net interest income and noninterest income. The denomin Bank Management.docx.docxator effectively measures net operating revenue after subtracting interest expense. The efficiency ratio measure the noninterest cost per Slof operatiBank Management.docx.docx
ng revenue generated. Analystsoften interpret the efficiency ratio as a measure of a bank's ability to control overhead relative to its ability to genCHAPTER 31.What are the major categories of depository institution assets and their approximate percentage contribution to total resources? What are t Bank Management.docx.docxuld be affected by the following transactions? Indicate at least two accounts with each transaction.a.Arturo Rojas opens a money market deposit account with $5,000. The funds are lent in the overnight market for one week.b.Just as a real estate developer pays off a strip shopping mall loan, a new re Bank Management.docx.docxsident optometrist takes out a mortgage on a home.c.The bank hires an investment banker to sell shares of stock to the public. It plans to use the proBank Management.docx.docx
ceeds to finance additional commercial loans.a)Aturo Rojas opens a money market deposit account with $5000. The funds are lent in the overnight marketCHAPTER 31.What are the major categories of depository institution assets and their approximate percentage contribution to total resources? What are t Bank Management.docx.docxip shopping mall loan, a new resident optometrist takes out a mortgage on a home.No transaction because both of these are related to real estate loans.c)The bank hires an investment banker to sell shares of stock to the public. It plans to use the proceeds to finance additional commercial loans.No t Bank Management.docx.docxransaction is made4.Arrange the following items into an income statement. Label each item, place it in the appropriate category, and determine the banBank Management.docx.docx
k's bottom-line net income, a. Interest paid on time deposits under $100,000: $78,002b.Interest paid on jumbo CDs: $101,000c.Interest received on U.S.CHAPTER 31.What are the major categories of depository institution assets and their approximate percentage contribution to total resources? What are t Bank Management.docx.docx sharesf.Provisions for loan losses: $18,000 g. Interest and fees on loans: $189,700h. Interest paid on interest checking accounts: $33,500I. Interest received on municipal bonds: $60,000j.Employee salaries and benefits: $145,000k.Purchase of a new computer system: $50,000l.Service charge receipts f Bank Management.docx.docxrom customer accounts: $41,000m.Occupancy expense for bank building: $22,000n.Taxes of 34 percent of taxable income are paido.Trust department incomeBank Management.docx.docx
equals: $15,000Income statementInterest on U.S. Treasury & agency securitiesCHAPTER 31.What are the major categories of depository institution assets and their approximate percentage contribution to total resources? What are tCHAPTER 31.What are the major categories of depository institution assets and their approximate percentage contribution to total resources? What are tGọi ngay
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