07 May WHAT DOES THE ASSETS/EQUITY RATIO OF A BANK INDICATE?
Interest Income. How can gross interest income rise while the net interest margin remains somewhat stable for a particular bank?
Bank Leverage. What does the assets/equity ratio of a bank indicate?
Loan Loss Provisions. Explain why loss provisions of most banks could increase in a particular period.
Bank Income Statement. Assume that SUNY Bank plans to liquidate Treasury security holdings and use the process for small business loans. Explain how this strategy will affect the different income statement items. Also identify any income statement items for which the effect of this strategy are more difficult to estimate.
Problem:
Assessing Bank Performance. Select a bank whose income statement data are available. Using recent income statement information about the commercial bank, assess its performance. How does the performance of this bank compare to the performance of other banks? What is the main reason why its ROE is different from the norm? (Is it due to its interest expense? Its noninterest income?)
SI Sources and Uses of Funds. Explain in general terms how savings institutions differ from commercial banks with respect to their sources of funds and uses of funds. Discuss each source of funds for Sis. Identify and discuss the main uses of funds for Sis.
Liquidity and Credit Risk. Describe the liquidity and credit risk of savings institutions, and discuss how each is managed.
What is an adjustable-rate mortgage (ARM)? Discuss potential advantages such mortgages offer a savings institutions.
Use of Interest Rate Swaps. Explain how savings institutions could use interest rate swaps to reduce interest rate. Will Sis that use swaps performs better or worse than those that were unhedged during a period of declining interest rate? Explain.
Impact of the Credit Crisis. Explain how the Credit crisis in the 2008-2009 period affected some saving institutions. Compare the causes of the credit crisis to the causes of the SI crisis in the late 1980s.
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