Core doposits 目 Core deposits are stable deposits that are not highly interest rate- sensitive. ■ Core deposits are more sensitive to the fees charged,services rendered,and location of the bank. Core deposits include:demand deposits,NOW accounts,MMDAs, and small time deposits. 爸封强的黄香+孝
Core doposits doposits Core deposits are stable deposits that are not highly interest ratesensitive. Core deposits are more sensitive to the fees charged, services rendered, and location of the bank. Core deposits include: demand deposits, NOW accounts, MMDAs, and small time deposits
Borrowings(volatile funds) Large,or volatile,borrowings are liabilities that are highly rate-sensitive. Normally issued in uninsured denominations. Their ability to borrow is sensitive to the markets perception of their asset quality. Volatile liabilities or net non-core liabilities include: large CDs (over 100,000) deposits in foreign offices federal funds purchased repurchase agreements other borrowings with maturities less than one year 制纤行贸易上孝
Borrowings (volatile funds) Borrowings (volatile funds) Large, or volatile, borrowings are liabilities that are highly rate-sensitive. Normally issued in uninsured denominations. Their ability to borrow is sensitive to the markets perception of their asset q u ality. Volatile liabilities or net non-core liabilities include: large CDs (over 100,000) deposits in foreign offices federal funds purchased repurchase agreements other borrowings with maturities less than one year
Capital:Subordinated notes and debentures Notes and bonds with maturities in excess of one year. Long-term uninsured debt. Most meet requirements as bank capital for regulatory purposes. Unlike deposits,the debt is not federally insured and claims of bondholders are subordinated to claims of depositors. 麓封强的黄香+孝
Capital: Subordinated notes and Capital: Subordinated notes and debentures debentures Notes and bonds with maturities in excess of one year. Long-term uninsured debt. Most meet requirements as bank capital for regulatory purposes. Unlike deposits, the debt is not federally insured and claims of bondholders are subordinated to claims of depositors
Capital:Stockholders'equity 目 Ownership interest in the bank. Common and preferred stock are listed at par Surplus account represents the amount of proceeds received by the bank in excess of par when it issued the stock. 蔺卧的资土号
Capital: Stockholders' equity Capital: Stockholders' equity Ownership interest in the bank. Common and preferred stock are listed at par Surplus account represents the amount of proceeds received by the bank in excess of par when it issued t he stock
Income Statement 目 It is a financial statement showing a summary of a firm's financial operations for a specific period,including net profit or loss for the period in question. A bank's income statement reflects the financial nature of banking,as interest on loans and investments comprises the bulk of revenue. Net interest income made up approximately 77 percent of net revenue at a bank in 1981,but only about 58 percent of total net revenue at the end of 2001. 的资5土号
Income Statement Income Statement It is a financial statement showing a summary of a firm’s financial operations for a specific period, including net profit or loss for the period in question. A bank’s income statement reflects the financial nature of banking, as interest on loans and investments comprises the bulk of revenue. Net interest income made up approximately 77 percent of net revenue at a bank in 1981, but only about 58 percent of total net revenue at the end of 2001