02 Jun Question CASE STUDY OF A BANK (State or National Bank)
Question
CASE STUDY OF A BANK
(State or National Bank)
Visit a Bank of your choice and conduct the following interview with an official of the institution. Identify yourself and convey to the official that you are enrolled in a Money and Banking class and this project is part of your course requirements and the information from the interview will be kept confidential. After completing the interview, write a report (4-5 pages minimum typed) based on your interview. The following topics are suggested that should be included in your interview.
1. Name of the bank ________________________________ Date visited: __________________
2. Name of the official _______________________________ Position/Rank_________________
3. Classification of the Bank: National or State; Unit or independent/branch
4. Balance Sheet of the Bank: Assets Liabilities
5. Types of loans: Amount, Distribution, Interest Rates, Federal funds, Loan/Deposit Ratios, Loan/Asset Ratio, Delinquency Rates, SBA Loans, FHA Loans, Inter-bank Loans, Loan Loss Reserves, Capital Requirements.
6. Types of Deposits: Interest Rates, Service Fees, Distribution of Deposits, CD’s, (Checking, Saving, Time).
7. Examinations: Agency (ies) conducting examination, Frequency of examinations, What is examined? Results and consequences of examinations.
8. Compliance: Federal Reserve Requirements, National/State regulations, Dodd-Frank Wall Street Reform & Consumer Protection Act , Community Reinvestment Act (CRA Rating).
9. Securities: Types, proportion/percentage and liquidity. (Treasuries, Municipal)
10. Problems: Competition, local economy, government regulations, employee relations. Asset Management, Liability/Credit Management. Steps to minimize adverse selection and Moral Hazard.
11. Community Development: Type of Involvement, Support, Financial Commitment, Loans
12. General Impressions: Layout, Departments, Functions, Appearance, Attitude, etc. Security (Cyber and Physical).
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