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BE 304 Final
-Monmouth University -Professor Lifson -FA2017
Terms in this set (44)
What compromises the single largest asset category for a bank?
T or F: Majority of banks are nationally chartered by the FDIC
F (it is the OCC)
T or F: Banks have an average total debt ratio of 90%
T or F: Small banks control 70% of banking assets
The 3 types of banks are:
super regional, money sender, community
Banks have _________ maturities and _________ liquidities than bank maturities.
In terms of profitability, a well run bank has a return on assets ratio of?
Most changes in the banking industry in recent years is due to?
mergers and acquisitions
What percent of of federal insured banks are nationally charted?
What percent of federally insured banks are members of the fed?
Do state chartered banks have to be members of the fed?
Do nationally charted banks have to be members of the fed?
Largest loan category on a banks balance sheet?
Primary regulator for bank holding activities?
Banks differentiate from other institutions because?
they have more diverse assets, more funds from different sources, an and average bank is larger
If the fed wants to raise interest rates to 1.5% can the president veto it?
No, the fed is an independent agency granted by congress.
What is the term for the board of governors?
14 years, nonrenewable
How many people form the board of governors?
Primary policy tool of the fed to enact its policy
open market operations by the fomc
The _______________ is a nationwide network jointly operated by the Fed and private institutions that electronically process credit and debit transfers of funds.
ACH (automated clearing house)
What is the major asset of the federal reserve?
The rate the banks charge each other for reserves.
fed funds rate
The rate the Fed charges the banks for reserves?
Does the federal reserve conduct monetary policy?
yes through the fomc
Does the federal reserve supervise and regulate banks?
Does the Fed operate check clearing?
Does the fed insure deposits?
A proxy allows:
a representative to vote in a meeting with you
when you want to buy a stock a a specific or lower price
Why does a company split stock?
stocks are most attractive when they are between $60 and $80 dollars a share
Would a long term investor in a higher marginal tax bracket rather get capital gain or yield?
T or F: If you own a stock in a firm that goes out of business, a janitor must be paid in full first before you can collect.
T or F: the largest category of mortgages by dollar value is commercial mortgages
T or F: subprime mortgages are for people who have below credit rating
T or F: federal insured mortgages are called conventional mortgages
T or F: If a firm wants to raise cash they will do so in the secondary market
In terms of trading volume and market value the largest US stock market is?
In terms of number of firms traded the largest US stock market is?
The largest holder of common stock is?
in 2007 NYSE merged with?
when a company wants to sell stocks and preegisters with the SEC
age group that holds the most stock?
Computerized markets are called?
Actual government agency dealing with mortgages?
Sets with similar terms
Chapter 13: The Federal Reserve System
Economics (FED Unit)
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