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Questions and Answers of Banking

What factors are often considered in evaluating possible sites for new branch offices?
What changes are occurring in the design of, and the roles played by, branch offices? Please explain why these changes are occurring.
What laws and regulations affect the creation of new bank and thrift branches and the closing of existing branches? What advantages and what problems can the closing of a branch office create?
What new and innovative sites have been selected for new branch offices in recent years? Why have these sites been chosen by some financial firms? Do you have any ideas about other sites that you
What are POS terminals, and where are they usually located?
What services do ATMs provide? What are the principal limitations of ATMs as a service provider? Should ATM carry fees? Why?
What are self-service terminals and what advantages do they have for financial institutions and their customers?
Why do many experts regard the telephone as a key instrument in the delivery of financial services in the future? What advantages does the telephone have over other service-delivery vehicles?
What financial services are currently available on the Internet? What problems have been encountered in trying to offer Internet-delivered services?
Who charters new banks in the United States?
Why do you think the organizers of a new financial firm are usually expected to put together a detailed business plan, including marketing, management, and financial components?
Where are most new banks chartered in the United States?
How can financial firms better promote Internet service options?
A group of businesspeople from Scott Island are considering filing an application with the state banking commission to charter a new bank. Due to a lack of current banking facilities within a 10-mile
Norfolk Savings Bank is considering the establishment of a new branch office at the corner of 49th Street and Hampton Boulevard. The savings association’s economics department projects annual
Forever Savings Bank estimates that building a new branch office in the newly developed Washington town ship will yield an annual expected return of 12 percent with an estimated standard deviation
The following statistics and estimates were compiled by Big Moon Bank regarding a proposed new branch office and the bank itself:Branch office expected return ............ = 15%Standard
Life Is Good Financial Services has provided Good Things to Eat Groceries a proposal for in-store branches in two of its four Davidson locations. Good Things to Eat counter proposed opening one
First National Bank of Conway is considering installing two ATMs in its Southside branch. The new machines are expected to cost $37,000 apiece. Installation costs will amount to about $15,000 per
First State Security Bank is planning to set up its own Web page to advertise its location and services on the Internet and to offer customers selected service options, such as paying recurring
Which accounts are most important and which are least important on the asset side of a bank's balance sheet?
What accounts are most important on the liability side of a balance sheet?
What are the essential differences among demand deposits, savings deposits, and time deposits?
What are primary reserves and secondary reserves, and what are they supposed to do?
Suppose that a bank holds cash in its vault of $1.4 million, short-term government securities of $12.4 million, privately issued money market instruments of $5.2 million, deposits at the Federal
Why are bank accounting practices under attack right now? In what ways could financial institutions improve their accounting methods?
In rank order, what are the most important revenue and expense items on a Report of Income?
What is the relationship between the provision for loan losses on a bank's Report of Income and the allowance for loan losses on its Report of Condition?
Suppose a bank has an allowance for loan losses of $1.25 million at the beginning of the year, charges current income for a $250,000 provision for loan losses, charges off worthless loans of
How do the financial statements of major nonbank financial firms resemble or differ from bank financial statements? Why do these differences or similarities exist?
What major trends are changing the content of the financial statements prepared by financial firms?
What are the key features or characteristics of the financial statements of banks and similar financial firms? What are the consequences of these statement features for managers of financial-service
What are the principal accounts that appear on a bank's balance sheet (Report of Condition)?
What are off-balance-sheet items and why are they important to some financial firms?
What accounts make up the Report of Income (income statement of a bank)?
Who are banking chief competitors in the financial-services marketplace?
Norfolk National Bank has just submitted its Report of Condition to the FDIC. Please fill in the missing items from its statement shown below (all figures in millions of dollars):Report of
If you know the following figures:Please calculate these items:Net interest income ________Net noninterest income ________Pretax net operating income ________Net income after
If you know the following figures:Please calculate these items:Total assets _______Net loans _______Undivided profits _______Fed funds sold _______Depreciation _______Totaldeposits _______
The Sea Level Bank has Gross Loans of $800 million with an ALL account of $45 million. Two years ago the bank made a loan for $12 million to finance the Sunset Hotel. Two million dollars in principal
Along with the Report of Condition submitted above, Norfolk has also prepared a Report of Income for the FDIC. Please fill in the missing items from its statement shown below (all figures in millions
Art’s Sporting Goods ordered a shipment of soccer equipment from a manufacturer and distributor in Munich. Payment for the shipment (which is valued at $3.5 million U.S.) must be made in Euros that
For each of the following transactions, which items on a bank’s statement of income and expenses (Report of Income) would be affected?a. Office supplies are purchased so the bank will have enough
For each of the transactions described here, which of at least two accounts on a bank’s balance sheet (Report of Condition) would be affected by each transaction?
The John Wayne Bank is developing a list of off-balance-sheet items for its call report. Please fill in the missing items from its statement shown below. Using Table 5–5, describe how John Wayne
See if you can determine the amount of Bluebird State Bank’s current net income after taxes from the figures below (stated in millions of dollars) and the amount of its retained earnings from
Which of these account items or entries would normally occur on a bank’s balance sheet (Report of Condition) and which on a bank’s income and expense statement (Report of Income)?Federal funds
You were informed that a bank’s latest income and expense statement contained the following figures (in $ millions):Net interest income .......... $800 Net noninterest income......... (500)Pretax
Why do the financial statements issued by banks and by nonbank financial-service providers look increasingly similar today? Which nonbank financial firms have balance sheets and income statements
What principal types of assets and funds sources do nonbank thrifts (including savings banks, savings and loans, and credit unions) draw upon? Where does the bulk of their revenue come from, and what
How are the balance sheets and income statements of finance companies, insurers, and securities firms similar to those of banks, and in what ways are they different? What might explain the
Why should banks and other corporate financial firms be concerned about their level of profitability and exposure to risk?
What factors influence the stock price of a financial-service corporation?
Suppose that a bank is expected to pay an annual dividend of $4 per share on its stock in the current period and dividends are expected to grow 5 percent a year every year, and the minimum required
What is return on equity capital, and what aspect of performance is it supposed to measure? Can you see how this performance measure might be useful to the managers of financial firms?
Suppose a bank reports that its net income for the current year is $51 million, its assets total $1,144 million, and its liabilities amount to $926 million. What is its return on equity capital? Is
A bank estimates that its total revenues will amount to $155 million and its total expenses (including taxes) will equal $107 million this year. Its liabilities total $4,960 million while its equity
Why do the managers of financial firms often pay close attention today to the net interest margin and noninterest margin? To the earnings spread?
Suppose a banker tells you that his bank in the year just completed had total interest expenses on all borrowings of $12 million and noninterest expenses of $5 million, while interest income from
What are the principal components of ROE, and what does each of these components measure?
Suppose a bank has an ROA of 0.80 percent and an equity multiplier of 12X. What is its ROE? Suppose this bank's ROA falls to 0.60 percent. What size equity multiplier must it have to hold its ROE
Suppose a bank reports net income of $12, pre-tax net income of $15, operating revenues of $100, assets of $600, and $50 in equity capital. What is the bank's ROE? Tax management efficiency
What are the most important components of ROA, and what aspects of a financial institution’s performance do they reflect?
If a bank has a net interest margin of 2.50%, a noninterest margin of −1.85%, and a ratio of provision for loan losses, taxes, security gains, and extraordinary items of −0.47%, what is itsROA?
To what different kinds of risk are banks and their financial-service competitors subjected today?
What items on a bank's balance sheet and income statement can be used to measure its risk exposure? To what other financial institutions do these risk measures seem to apply?
A bank reports that the total amount of its net loans and leases outstanding is $936 million, its assets total $1,324 million, its equity capital amounts to $110 million, and it holds $1,150 million
What individuals or groups are likely to be interested in these dimensions of performance for a financial institution?
What is the return on assets (ROA), and why is it important? Might the ROA measure be important to banking’s key competitors?
An investor holds the stock of Last-But-Not-Least Financials and expects to receive a dividend of $4.75 per share at the end of the year. Stock analysts recently predicted that the bank’s dividends
Suppose that stockbrokers have projected that Jamestown Savings will pay a dividend of $2.50 per share on its common stock at the end of the year; a dividend of $3.25 per share is expected for the
Oriole Savings Association has a ratio of equity capital to total assets of 9 percent. In contrast, Cardinal Savings reports an equity-capital-to-asset ratio of 7 percent. What is the value of the
The latest report of condition and income and expense statement for Smiling Merchants National Bank are as shown in the following tables: Input Area:Income and Expense Statement ItemsInterest
The following information is for Rainbow National Bank:Input Area:OriginalInterest income2,250Interest Expense1,500Total assets45,000Security losses or gains21Earnings assets40,000Total
Zebra Group holds total assets of $25 billion and equity capital of $2 billion and has just posted an ROA of 0.95 percent. What is the financial firm’s ROE? Input
OK State Bank reports total operating revenues of $150 million, with total operating expenses of $125 million, and owes taxes of $5 million. It has total assets of $1.00 billion and total liabilities
Suppose a stockholder-owned thrift institution is projected to achieve a 0.90 percent ROA during the coming year. What must its ratio of total assets to equity capital be if it is to achieve its
Conway County National Bank presents us with these figures for the year just concluded. Please determine the net profit margin, equity multiplier, asset utilization ratio, and ROE.Net
Runnals National Bank has experienced the following trends over the past five years (all figures in millions of dollars): Input Area:12345Net Income (after tax)2.652.753.253.654.00Total
Paintbrush Valley State Bank has just submitted its Report of Condition and Report of Income to its principal supervisory agency. The bank reported net income before taxes and securities transactions
Using this information for Eagle Bank and Trust Company (all figures in millions), calculate the bank's net interest margin, noninterest margin, and ROA.Interest income........... $ 75Interest
Mountain Savings reported these figures (in millions) on its income statement for the past five years. Calculate the institution€™s ROA in each year. Are there any adverse trends? Any
An analysis of the BHCPR reports on BB&T is presented in this chapter’s appendix. We examined a wide variety of profitability measures for that bank, including ROA, ROE, net profit margin, net
What do the following terms mean: Asset management? Liability management? Funds management?
What factors have motivated financial institutions to develop funds management techniques in recent years?
What forces cause interest rates to change? What kinds of risk do financial firms face when interest rates change?
What makes it so difficult to correctly forecast interest rate changes?
What is the yield curve, and why is it important to know about its shape or slope?
First National Bank of Bannerville has posted interest revenues of $63 million and interest costs from all of its borrowings of $42 million. If this bank possesses $700 million in total earning
Can you explain the concept of gap management?
Commerce National Bank reports interest-sensitive assets of $870 million and interest-sensitive liabilities of $625 million during the coming month. Is the bank asset sensitive or liability
Peoples’ Savings Bank has a cumulative gap for the coming year of + $135 million, and interest rates are expected to fall by two and a half percentage points. Can you calculate the expected change
How do you measure the dollar interest-sensitive gap? The relative interest-sensitive gap? What is the interest sensitivity ratio?
Suppose Carroll Bank and Trust reports interest-sensitive assets of $570 million and interest-sensitive liabilities of $685 million. What is the bank’s dollar interest-sensitive gap? Its relative
Explain the concept of weighted interest-sensitive gap. How can this concept aid management in measuring a financial institution’s real interest-sensitive gap risk exposure?
What are the advantages of using duration as an asset-liability management tool as opposed to interest-sensitive gap analysis?
What are the principal limitations of duration gap analysis? Can you think of some way of reducing the impact of these limitations?
Suppose that a savings institution has an average asset duration of 2.5 years and an average liability duration of 3.0 years. If the savings institution holds total assets of $560 million and total
Stilwater Bank and Trust Company has an average asset duration of 3.25 years and an average liability duration of 1.75 years. Its liabilities amount to $485 million, while its assets total $512
What is it that a lending institution wishes to protect from adverse movements in interest rates?

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