题目
题目

Homework:Chapter 10 Homework

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Part 1Oldhat Financial starts its first day of operations with ​$99 million in capital. A total of ​$125125 million in checkable deposits are received. The bank makes a ​$3030 million commercial loan and another ​$6060 million in​ mortgages, with the following​ terms: 200200 standard 3030​-year, ​fixed-rate mortgages with a nominal annual rate of​ 5.25%, each for ​$300,000300,000. Assume that required reserves are 88​%.Complete the​ bank's balance sheet provided below. ​(Round your responses to the nearest whole​ number.)[table] Assets | Liabilities Required reserves | ​$enter your response here | million | Checkable deposits | ​$enter your response here | million Excess reserves | ​$enter your response here | million | Bank capital | ​$enter your response here | million Loans | ​$enter your response here | million | | | [/table]

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The problem asks us to complete a balance sheet for Oldhat Financial given capital, deposits, and loan activity, with a specified reserve requirement and loan totals. To proceed, I will map out the logical steps and then address each field. First, identify the key totals from the scenario: - Bank capital: 99 million - Checkable deposits received: 125 million - Loans made: 30 million in commercial loans + 60 million in mortgages = 90 million - Reserve requirement: 8% of checkable deposits = 0.08 × 125 = 10 million Now, lay out the balance sheet structure (Assets = Liabilities): - Assets typically include Reserves and Loans (and possibly other assets, but here we only have these). - Liabilities include Checkable deposits and Bank capital. Compute total assets and the resulting reserve......Login to view full explanation

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Part 1Which of the following is not an asset LOADING... on a​ bank's balance​ sheet? Part 2 A. Loans. B. Reserves. C. Government securities. D. Checkable deposits.

Part 1Oldhat Financial starts its first day of operations with ​$1212 million in capital. A total of ​$120120 million in checkable deposits are received. The bank makes a ​$2525 million commercial loan and another ​$6060 million in​ mortgages, with the following​ terms: 200200 standard 3030​-year, ​fixed-rate mortgages with a nominal annual rate of​ 5.25%, each for ​$300,000300,000. Assume that required reserves are 88​%.Complete the​ bank's balance sheet provided below. ​(Round your responses to the nearest whole​ number.)[table] Assets | Liabilities Required reserves | ​$enter your response here | million | Checkable deposits | ​$enter your response here | million Excess reserves | ​$enter your response here | million | Bank capital | ​$enter your response here | million Loans | ​$enter your response here | million | | | [/table]

Part 1Consider a bank with the following balance​ sheet:[table] Assets | Liabilities Required reserves | ​$1010 | million | Checkable deposits | ​$120120 | million Excess reserves | ​$2222 | million | Bank capital | negative $ 18−$18 | million Loans | ​$7070 | million | | | [/table]Assume that required reserves are 88​%. In order to avoid​ insolvency, regulators decide to provide the bank with ​$2727 million in bank capital. Assume that bad news about mortgages is featured in the local​ newspaper, causing a bank run. As a​ result, ​$3030 million in deposits is withdrawn.Show the effects of the capital injection and bank run on the balance sheet. ​(Round your responses to the nearest whole​ number.)[table] Assets | Liabilities Required reserves | ​$enter your response here | million | Checkable deposits | ​$enter your response here | million Excess reserves | ​$enter your response here | million | Bank capital | ​$enter your response here | million Loans | ​$enter your response here | million | | | [/table]

Derby Bank has the following balance sheet. [table] Assets ($ million) | Liabilities and equity ($ million) Treasury notes | 100 | Deposits | 175 Loans | 200 | Overnight purchased funds | 120 Non-earning assets | 50 | Equity | 55 Total assets | 350 | Total liabilities and equity | 350 [/table] Derby Bank’s largest customer decides to exercise a $25 million loan commitment, and the bank adopts an asset liquidity management approach by liquidating Treasury notes to fund this loan commitment. Which of the following statements is CORRECT?[Fill in the blank]

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