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Complete the yellow shaded portions and upload by the deadline Name FIN330 Homework 40 Points Fall 2020 Bank Assets Risk Weight Bank Liabilities Cash $
Complete the yellow shaded portions and upload by the deadline
Name FIN330 Homework 40 Points Fall 2020 Bank Assets Risk Weight Bank Liabilities Cash $ 1,000 0% Deposits $ 8,000 Treasury Securities $ 1,700 0% Hot Money $ 6,000 Municipal Bonds $ 1,500 20% Single Family Home Mortgages $ 2,700 50% Common Stock $ 600 Retail/Consumer Loans $ 2,300 50% Retained Earnings $ 400 Commercial Loans $ 1,500 100% Surplus $ 300 Agricultural Loans $ 2,100 100% Past due consumer loans $ 500 150% Bank Buildings $ 2,000 100% Total $ 15,300 $ 15,300 Short Term Loan Commitments 50% Bank Assets Risk Weight Risk-Adjusted Assets Cash $ 1,000 0% Treasury Securities $ 1,700 0% Municipal Bonds $ 1,500 20% Single Family Home Mortgages $ 2,700 50% Retail/Consumer Loans $ 2,300 50% Commercial Loans $ 1,500 100% Agricultural Loans $ 2,100 100% Past due consumer loans $ 500 150% Bank Buildings $ 2,000 100% Total $ 15,300 Short Term Loan Commitments 50% Tier 1 capital ratio Risk-weighted capital ratio RWC if add short-term Commitments totalling 1,000 and a 50% risk weighting Explore the Uniform Bank Performance Report (UBPR) for State Bank & Trust (cert 15651) FFIEC UBPR Reports hint: page 2 and page 7 For the calender Year 2019: How much was the provision from the income statement? What was the depth of the pool at the beginning of the year? How much in loans were charged-off against the pool? Value of previously charged-off loans recovered? What was the depth of the pool at the end of the year? What % of loans is represented by the pool Name FIN330 Homework 40 Points Fall 2020 Bank Assets Risk Weight Bank Liabilities Cash $ 1,000 0% Deposits $ 8,000 Treasury Securities $ 1,700 0% Hot Money $ 6,000 Municipal Bonds $ 1,500 20% Single Family Home Mortgages $ 2,700 50% Common Stock $ 600 Retail/Consumer Loans $ 2,300 50% Retained Earnings $ 400 Commercial Loans $ 1,500 100% Surplus $ 300 Agricultural Loans $ 2,100 100% Past due consumer loans $ 500 150% Bank Buildings $ 2,000 100% Total $ 15,300 $ 15,300 Short Term Loan Commitments 50% Bank Assets Risk Weight Risk-Adjusted Assets Cash $ 1,000 0% Treasury Securities $ 1,700 0% Municipal Bonds $ 1,500 20% Single Family Home Mortgages $ 2,700 50% Retail/Consumer Loans $ 2,300 50% Commercial Loans $ 1,500 100% Agricultural Loans $ 2,100 100% Past due consumer loans $ 500 150% Bank Buildings $ 2,000 100% Total $ 15,300 Short Term Loan Commitments 50% Tier 1 capital ratio Risk-weighted capital ratio RWC if add short-term Commitments totalling 1,000 and a 50% risk weighting Explore the Uniform Bank Performance Report (UBPR) for State Bank & Trust (cert 15651) FFIEC UBPR Reports hint: page 2 and page 7 For the calender Year 2019: How much was the provision from the income statement? What was the depth of the pool at the beginning of the year? How much in loans were charged-off against the pool? Value of previously charged-off loans recovered? What was the depth of the pool at the end of the year? What % of loans is represented by the pool
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