REAL NUMBERS

FOR REAL BANKS

Continuing Case Assignment for Chapter $2$

THE REGULATORY INFLUENCE ON YOUR BANKING COMPANY

In Chapter $2,$ we focus on the regulations that created and empowered today's regulators and that govern how and where financial institutions may operate and on what those operations may entail. For this segment of your case analysis we will add information to the Excel spreadsheet created in Assignment $1,$ using some of the terminology from the regulations discussed in this chapter and becoming familiar with the FDIC's website.

A$.$ Go to the FDIC's Institution Directory at

www$3.$tdic.gov $/$idasp$/$and search for your BHC using the RSSD number

$($also called the BHC ID #$)$ obtained in Assignment $1.$ Atter clicking the "Find" button you will see data for your BHC$.$ Make sure you utilize the pull$-$down menu to select the most recent year$-$end information. From this Web page collect data on combined total assets and add it to your Excel spreadsheet as illustrated. The information found at the FDIC site when labeled as BHC information is the aggregate of all FDIC$-$insured bank and thrift subsidiaries. The FDIC collects information only for the FDIC$-$insured institutions and does not provide information for the subsidiaries and affiliates that are neither banks nor thrifts. With the information you have collected use your Excel formulafunctions to compute the percentage of your holding company assets held at FDIC$-$insured institutions.

B$.$ After collecting data for the BHC$,$ explore the information provided for bank and thrift subsidiaries. Enter the information identified in the illustrated Excel worksheet. Click on the "Cert" links to find the information about bank charter class and primary federal regulator. Then from the Institution page accessed using the "Cert" link click on the "Current List of Offices" to gather the remaining information. Your collected information should be entered into your Excel spreadsheet

as shown below $($once again, the illustration is for BBET of Winston$-$Salem, North Carolina using December $31,2007$ data$)$:

What have we accomplished? We have begun to organize information and become familiar with the FDIC's website. $($Make sure that you provide an appropriate title for the spreadsheet and label the columns.$)$