3. What factors caused the decrease in loan volume relative to other assets on the;balance sheets of commercial banks? How has each of these factors been related;to the change and development of the financial services industry during the;1990s and 2000s? What strategic changes have banks implemented to deal with;changes in the financial services environment?;5. What are the major sources of funds for commercial banks in the United States?;How is the landscape for these funds changing and why?;6. What are the three major segments of deposit funding? How are these segments;changing over time? Why? What strategic impact do these changes have on the;profitable operation of a bank?;7. How does the liability maturity structure of a bank?s balance sheet compare;with the maturity structure of the asset portfolio? What risks are created or;intensified by these differences?;11. For each of the following banking organizations, identify which regulatory;agencies (OCC, FRB, FDIC, or state banking commission) may have some reg-;ulatory supervision responsibility;a. State-chartered, nonmember non?holding company bank.;b. State-chartered, nonmember holding company bank.;c. State-chartered member bank.;d. Nationally chartered non?holding company bank.;e. Nationally chartered holding company bank.;12. What are the main features of the Riegle-Neal Interstate Banking and Branch-;ing Efficiency Act of 1994? What major impact on commercial banking activity;occured from this legislation?;13. What factors normally are given credit for the revitalization of the banking;industry during the 1990s? How is Internet banking expected to provide ben-;efits in the future?;26. Megalopolis Bank has the following balance sheet and income statement.;Balance Sheet (in millions);Assets Liabilities and Equity;Cash and due from banks $ 9,000 Demand deposits $ 19,000;Investment securities 23,000 NOW accounts 89,000;Repurchase agreements 42,000 Retail CDs 28,000;Loans 90,000 Debentures 19,000;Fixed Assets 15,000 Total liabilities $155,000;Other assets 4,000 Common stock 12,000;Total assets $183,000 Paid in capital 4,000;Retained earnings 12,000;Total liabilities and equity $183,000;Income Statement;Interest on fees and loans $ 9,000;Interest on investment securities 4,000;Interest on repurchase agreements 6,000;Interest on deposits in banks 1,000;Total interest income $20,000;Interest on deposits 9,000;Interest on debentures 2,000;Total interest expense $11,000;Operating income $ 9,000;Provision for loan losses 2,000;Other income 2,000;Other expenses 1,000;Income before taxes $ 8,000;Taxes 3,000;Net income $ 5,000;For Megalopolis, calculate;a. Return on equity;b. Return on assets;c. Asset utilization;d. Equity multiplier;e. Profit margin;f. Interest expense ratio;g. Provision for loan loss ratio;h. Noninterest expense ratio;i. Tax ratio;27. Go to the FDIC website at www.fdic.gov and find the most recent break-;down of U.S. bank asset concentrations using the following steps. Click on;?Analysts.? From there click On ?FDIC Quarterly Banking Profile? and then;click on ?Quarterly Banking Profile.? Click on ?Commercial Bank Section.?;Then click on ?TABLE III-A. Full Year (or First XXX Quarters) 20XX, FDIC-;Insured Commercial Banks.? This will bring the files up on your computer;that contain the relevant data. How have the number and dollar value of;assets held by commercial banks changed since 2012?;1. What is the primary function of finance companies? How do finance compa-;nies differ from depository institution?;2. What are the three major types of finance companies? To which market seg-;ments do each of these types of companies provide service?;3. What have been the major changes in the accounts receivable balances of;finance companies over the 35-year period 1977?2012?;4. What are the major types of consumer loans? Why are the rates charged by;consumer finance companies typically higher than those charged by commer-;cial banks?
Paper#30724 | Written in 18-Jul-2015Price : $27