商業(yè)銀行管理課后習(xí)題答案problems4(完整版)
【正文】 oan Loss triples (from $13 to $39).Solution: Net Ine After Taxes = $271 $205 + $23 $40 $39 $5 = $5This is a decrease of $26 ($31 $5) or an % decrease.43. The items requiring calculation and the dollar figures required are:Total Assets = Total Liabilities + Stockholders39。s buildingAllowance for loan lossesUndivided profitsDeposits due to banksCustomer liability on acceptancesLeases of businessRetained earnings equipment to customersThe items normally showing up on a bank39。 Liability on Acceptances Net Loans Trading Account Securities Federal Funds Sold Cash and Due from Banks = $429 $38 $29 $7 $276 $2 $26 $9 = $42Depreciation = Gross Bank Premises Net Bank Premises = $34 $29 = $5Total Deposits = Total Liabilities Nondeposit Borrowings Acceptances Outstanding = $380 $ 7 = $363.The reader should note that the asset item, Customer Liability on Acceptances, should have an equal liability item, Acceptances Outstanding.Alternative Scenario 1:Given: All Assets and all Liabilities double.Solution: Total Equity Capital = Total Assets Total Liabilities = ($429 X 2) ($380 X 2) = $858 $760 = $98Therefore, Total Equity, as expected, would also double.Undivided Profits = Total Equity Capital Capital Reserves Surplus Common Stock – Preferred Stock = $98 $8 $11 $12 $3 = $64This represent
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