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Fenster schliessen

Holding all else constant, when a bank receives the funds for a deposited check, 

(a) cash items in process of collection fall by the amount of the check.

(b) bank assets increase by the amount of the check.

(c) bank liabilities decrease by the amount of the check.

(d) all of the above occur.

Fenster schliessen

When you deposit $50 in the First National Bank, 

(a) its liabilities decrease by $50.

(b) its assets increase by $50.

(c) its reserves increase by $50.

(d) only (b) and (c) of the above occur.

Fenster schliessen

A bank 

(a) obtains funds by borrowing and by issuing liabilities.

(b) makes profits by charging an interest rate on their asset holdings of securities and loans that is lower than the interest and other expenses on their liabilities.

(c) does both (a) and (b) of the above.

(d) does neither (a) nor (b) of the above.

Fenster schliessen

Which of the following are not reported as assets on a bank’s balance sheet? 

(a) Cash items in the process of collection

(b) Deposits with other banks

(c) U.S. Treasury securities

(d) Checkable deposits

Fenster schliessen

In general, banks would prefer to meet deposit outflows by ___ rather than ___.

(a) selling loans; selling securities

(b) selling loans; borrowing from the Fed

(c) borrowing from the Fed; selling loans

(d) “calling in” loans; selling securities

Fenster schliessen

A bank’s balance sheet 

(a) shows that total assets equal total liabilities plus equity capital.

(b) lists sources and uses of bank funds.

(c) indicates whether or not the bank is profitable.

(d) does only (a) and (b) of the above.

Fenster schliessen

Which of the following are reported as assets on a bank’s balance sheet? 

Discount loans from the Fed

Loans

Borrowings

Only (a) and (b) of the above