Chapter 3 summary - CHAPTER 3 ANALYZING BANK PERFORMANCE I II III Commercial bank financial statements a Bank assets i Loans real estate commercial

Chapter 3 summary - CHAPTER 3 ANALYZING BANK PERFORMANCE I...

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CHAPTER 3 ANALYZING BANK PERFORMANCE I. Commercial bank financial statements a. Bank assets i. Loans – real estate, commercial, individual, agricultural, other loans in domestic offices, loans and leases in foreign offices ii. investment securities – short term securities (one year or less held to meet liquidity needs) and long term securities (more than one year- generate non- taxable interest), held to maturity sec, trading account sec, available for sale sec iii. noninterest cash – vault cash, deposits held at federal reserve, balances at other financial institutions, cash items in process of collection iv. due from banks, other assets - - OREA – substantial for problem banks – collateral on unpaid loans b. Liabilities and stockholders’ equity i. Transaction accounts ii. Savings and time deposits iii. Other borrowings iv. Core deposits, volatile (noncore) liabilities c. The income statement i. Interest income (II), Interest expense (IE), ii.
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