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Question
Dorchester County has the following five banks in its market area.
| Bank | Total Assets |
| First National Bank, NA | $1,500 million |
| Dorchester County Bank | $750 million |
| First State Bank | $500 million |
| Summerfield Bank | $250 million |
| Charlestown Bank | $250 million |
| All Banks | $3,250 million |
Using this information, what is the market share of the First National Bank?
A) 100.00%
B) 75.00%
C) 46.15%
D) 15.38%
E) None of the above
Answer
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Related questions
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The Harris State Bank has $2000 in total assets (all of which are earning assets), $500 of which will be repriced in the next 90 days. This bank also has $1600 in total liabilities, $1000 of which will be repriced in 90 days. The bank currently earns 9% on its assets and pays 4% on its liabilities. If interest rates on both assets and liabilities fall by 2% in the next 90 days, what would be this banks net interest margin?
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The Harris State Bank has $2000 in total assets (all of which are earning assets), $500 of which will be repriced in the next 90 days. This bank also has $1600 in total liabilities, $1000 of which will be repriced in 90 days. The bank currently earns 9% on its assets and pays 4% on its liabilities. If interest rates on both assets and liabilities rise by 2% in the next 90 days, what should happen to this banks net interest margin?
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Q:
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A) Money the bank has borrowed from the money market
B) Cash in the vault
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A) Flat
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Harrison Bank has the following financial information. ROE
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Net Profit Margin
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$62,500 Total Equity
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Interest Income
$400 Securities Investments
$600
Interest Expenses
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$1200
Non-Interest Income
$50 Net Premises and Equip.
$300
Non-Interest Expenses
($100) Total Assets
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$1100
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$800
Securities Gains (Losses)
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Interest Income
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Interest Expenses
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Non-Interest Income
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$300
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$1100
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$800
Securities Gains (Losses)
($40) Equity Capital
$300
Taxes
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$2200
Net Income
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A) 20.45%
B) 18.33%
C) 12.22%
D) 7.33%
E) 2.5%
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A) Failure of banks computer system
B) Closure of a bank for three months due to flooding from a major hurricane
C) Embezzlement of funds of a bank by a teller of the bank
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B) 1.58 times
C) 1.17 times
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B) Interest on time deposits/ total time deposits
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A bank that has a low profit margin most likely:
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B) Interest sensitive assets/interest sensitive liabilities
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OE for a bank reflects:
A) How well the assets of the bank are managed
B) The bank's use of leverage
C) How well the bank controls expenses
D) All of the above
E) None of the above
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A) Counterparty risk
B) Interest-rate risk
C) Operating risk
D) Credit risk
E) Liquidity risk
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Possible breakdowns in quality control, inefficiencies in producing and delivering financial services, weather damage, aging or faulty computer systems and simple errors in judgment by bank management illustrate what form of risk faced by banks?
A) Credit risk
B) Liquidity risk
C) Interest-rate risk
D) Operational risk
E) None of the above
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The Internal Capital Growth Rate for a bank is a function of which of the following factors?
A) Profit margin.
B) Asset utilization.
C) Equity multiplier.
D) Earnings retention ratio.
E) All of the above.
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is long-term debt capital whose claims legally follow claims of depositors.
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represents funds set aside for contingencies such as legal action against the institution as well as providing a reserve for dividends expected to be paid but not yet declared and a sinking fund to retire stock or debt in the future.