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Questions and Answers of Banking

How does a bank’s choice of market niche affect its financial ratios?
How does a bank’s asset size affect its financial ratios?
The financial statements for First National Bank (FNB) are shown below:a. Calculate the dollar value of FNB€™s earning assets. b. Calculate FNB€™s ROA.c. Calculate
The financial statements for BSW National Bank (BSWNB) are shown below:a. What is the dollar value of earning assets held by BSWNB? b. What is the dollar value of interest-bearing liabilities held
A bank has a balance sheet as shown below. At the beginning of the month, the bank has $ 15,141,000 in its loan portfolio and $ 183,000 in the allowance for loan losses. During the month, management
Megalopolis Bank has the following balance sheet and income statement.For Megalopolis, calculate: a. Return on equity b. Return on assets c. Asset utilization d. Equity multiplier e. Profit margin f.
Dudley Bank has the following balance sheet and income statement.For Dudley Bank, calculate: a. Return on equity b. Return on assets c. Asset utilization d. Equity multiplier e. Profit margin f.
Financial Fitness Bank reported a debt-to-equity ratio of 1.75X at the end of 2015. If the firm’s total assets at year-end were $ 25 million, how much of its assets are financed with debt? How much
A bank is considering two securities: a 30-year Treasury bond yielding 7 percent and a 30-year municipal bond yielding 5 percent. If the bank’s tax rate is 30 percent, which bond offers the higher
The financial statements for MHM Bank (MHM) are shown below:a. Calculate the dollar value of MHM€™s earning assets. b. Calculate the dollar value of MHM€™s interest-bearing
The financial statements for THE Bank are shown below:a. Calculate THE Bank€™s earning assets. b. Calculate THE Bank€™s ROA. c. Calculate THE Bank€™s total operating
Smallville Bank has the following balance sheet, rates earned on its assets, and rates paid on its liabilities.If the bank earns $ 120,000 in noninterest income, incurs $ 80,000 in noninterest
Community Bank has the following balance sheet, rates earned on its assets, and rates paid on its liabilities.If the bank earns $ 159,000 in noninterest income, incurs $ 306,000 in noninterest
Anytown Bank has the following ratios:a. Profit margin: 21%b. Asset utilization: 11%c. Equity multiplier: 12XCalculate Anytown’s ROE and ROA.
Everytown Bank has the following ratios:a. Profit margin: 5%b. Asset utilization: 20%c. Equity multiplier: 7.75XCalculate Everytown’s ROE and ROA.
You have been asked to analyze First Union Bank. You have only the following information on the bank at year-end 2015: Net income is $ 250,000, total debt is $ 2.5 million, and the bank’s debt
What forms of protection and regulation are imposed by regulators of CBs to ensure their safety and soundness?
How has the separation of commercial banking and investment banking activities evolved through time? How does this differ from banking activities in other countries?
A Section 20 subsidiary of a major U.S. bank is planning to underwrite corporate securities and expects to generate $ 5 million in revenues. It currently underwrites U.S. Treasury securities and
What insurance activities are permitted for U.S. commercial bank holding companies?
What are the provisions on interstate banking in the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994?
What changes did the Federal Deposit Insurance Reform Act of 2005 make to the deposit insurance premium calculations?
Why are commercial banks subject to reserve requirements?
What is the difference between Basel I, Basel II, and Basel III?
What is the significance of prompt corrective action as specified by the FDICIA legislation?
Under Basel III, what four capital ratios must DIs calculate and monitor?
How is the leverage ratio for an FI defined under Basel III?
Identify the five zones of capital adequacy and explain the mandatory regulatory actions corresponding to each zone.
What are the definitional differences between Common Equity Tier I, Tier I, and Tier II capital?
How have the International Banking Act of 1978 and the FDICIA of 1991 been detrimental to foreign banks in the United States?
What are some of the main features of the Foreign Bank Supervision Enhancement Act of 1991?
What changes did the Federal Deposit Insurance Reform Act of 2005 make to the deposit insurance assessment scheme for DIs?
Under the Federal Deposit Insurance Reform Act of 2005, how is a Category I deposit insurance premium determined?
Under Basel III, how are residential one-to four-family mortgages assigned to a credit risk class?
Under Basel III, how are risk weights for sovereign exposures determined?
What is the capital conservation buffer? What is the countercyclical capital buffer?
What is the Basel Agreement?
If the reserve computation period extends from May 18 through May 31, what is the corresponding reserve maintenance period? What accounts for the difference?
Two depository institutions have composite CAMELS ratings of 1 or 2 and are â€˜well capitalized.â€™ Thus, each institution falls into the FDIC Risk Category I deposit insurance assessment
Two depository institutions have composite CAMELS ratings of 1 or 2 and are â€œwell capitalized.â€ Thus, each institution falls into the FDIC Risk Category I deposit insurance assessment
City Bank has estimated that its average daily net transaction accounts balance over the recent 14-day computation period was $ 225 million. The average daily balance with the Fed over the 14-day
The average daily net transaction accounts of a local bank during the most recent reserve computation period is $ 325 million. The amount of average daily reserves at the Fed during the reserve
The following net transaction accounts have been documented by a bank for the computation of its reserve requirements (in millions).The average daily reserves at the Fed for the 14-day reserve
National Bank has the following balance sheet (in millions) and has no off-balance-sheet activities.a. What is the CET1 risk-based ratio?b. What is the Tier I risk-based capital ratio? c. What is
What is the capital conservation buffer? How would this buffer affect your answers in Problem 6?
Onshore Bank has $ 20 million in assets, with risk-adjusted assets of $ 10 million. CET1 capital is $ 500,000, additional Tier I capital is $ 50,000, and Tier II capital is $ 400,000. How will each
Third Bank has the following balance sheet (in millions), with the risk weights in parentheses.The cumulative preferred stock is qualifying and perpetual. In addition, the bank has $ 30 million
Third Fifth Bank has the following balance sheet (in millions), with the risk weights in parentheses.In addition, the bank has $ 20 million in commercial direct-credit substitute standby letters of
What is the contribution to the asset base of the following items under the Basel III requirements?a. $ 10 million cash reserves.b. $ 50 million 91-day U. S. Treasury bills.c. $ 25 million cash items
What is the bank's risk-adjusted asset base?Sovereign CounterpartyA bank's balance sheet information is shown below (in $000).
Disregarding the capital conservation buffer, what is the bank’s capital adequacy level (under Basel III) if the par value of its equity is $ 225,000, surplus value of equity is $ 200,000,
To be adequately capitalized, what are the bank’s CET1, Tier I, and total risk–based capital requirements under Basel III?
Using the leverage-ratio requirement, what is the bank’s minimum regulatory capital requirement to keep it in the adequately capitalized zone?
Does the bank have enough capital to meet the Basel requirements, including the capital conservation buffer requirement?
How do the balance sheets of savings institutions differ from those of commercial banks? How do their sizes compare?
What were the reasons for the crisis of the savings institutions industry in the mid- 1980s?
What two major pieces of legislation were adopted in the late 1980s and early 1990s to ameliorate the thrift crisis? Explain.
What are the main assets and liabilities held by savings institutions?
How has the savings institution industry performed over the last 20 years?
How and why is credit union membership limited?
Why were credit unions less affected by the sharp increase in interest rates in the late 1970s and early 1980s than the savings institution industry?
Describe the three tier system that makes up the credit union industry.
How does the size of the credit union industry compare to the commercial banking industry?
What are the main assets and liabilities held by credit unions?
Who are the regulators of credit unions?
Why did commercial banks pursue legal action against the credit union industry in the late 1990s? What was the result of this legal action?
What was Bank Transfer Day?
How have local credit unions performed over the last 20 years?
How did the corporate credit unions perform during the financial crisis?
What are the three types of finance companies and how do they differ from commercial banks?
How does the amount of equity as a percentage of assets compare for finance companies and commercial banks? What accounts for the difference?
What are the major assets and liabilities held by finance companies?
Why was the reported rate on motor vehicle loans historically higher for a finance company than a commercial bank? Why did this change in 1997?
What advantages do finance companies have over banks in offering services to small- business customers?
Why have finance companies begun to offer more mortgage and home equity loans?
How does the primary function of an insurance company compare with that of a depository institution?
What is the adverse selection problem? How does adverse selection affect the profitable management of an insurance company?
Contrast the balance sheets of depository institutions with those of life insurance firms.
How has the composition of the assets of U.S. life insurance companies changed over time?
What are the similarities and differences among the four basic lines of life insurance products?
Explain how annuities represent the reverse of life insurance activities.
If an insurance company decides to offer a corporate customer a private pension fund, how would this change the balance sheet of the insurance company?
How does the regulation of insurance companies compare with that of depository institutions?
How do state guarantee funds for life insurance companies compare with deposit insurance for depository institutions?
How do life insurance companies earn profits?
What are the two major lines of property–casualty (P&C) insurance firms?
What are the three sources of underwriting risk in the P&C industry?
Identify the four characteristics or features of the perils insured against by property- casualty insurance. Rank the features in terms of actuarial predictability and total loss potential.
How do increases in unexpected inflation affect P&C insurers?
Which of the insurance lines listed below will be charged a higher premium by insurance companies and why? a. Low-severity, high-frequency lines versus high-severity, low-frequency lines. b.
Contrast the balance sheet of a property–casualty insurance company with the balance sheet of a commercial bank. Explain the balance sheet differences in terms of the differences in the primary
What does the loss ratio measure? What has been the long-term trend of the loss ratio? Why?
What is the investment yield on premiums earned? Why has this ratio become so important to property–casualty insurers?
How can life insurance and annuity products be used to create a steady stream of cash disbursements and payments so as to avoid either the payment or receipt of a single lump sum cash amount?
How have P&C industry product lines based on net premiums written by insurance companies changed over time?
What does the expense ratio measure? Identify and explain the two major sources of expense risk to a property–casualty insurer. Why has the long- term trend in this ratio been decreasing?
How is the combined ratio defined? What does it measure?
Calculate the following: a. Calculate the annual cash flows (annuity payments) from a fixed-payment annuity if the present value of the 20-year annuity is $ 1 million and the annuity earns a
Calculate the following: a. Calculate the annual cash flows from a $ 2.5 million, 20-year fixed-payment annuity earning a guaranteed return of 7 percent per year if payments are to begin at the end
You deposit $ 10,000 annually into a life insurance fund for the next 10 years, at which time you plan to retire. Instead of a lump sum, you wish to receive annuities for the next 20 years. What is

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