莲 制卧台贸易上兰 银行管理学 10)Employee salaries and benefits $145,000 11)Purchase of a new computer system $50,000 12)Service charge receipts from customer accounts $41,000 13)Occupancy expense for bank building $22,000 14)Taxes of 34 percent of taxable income are paid 15)Trust department income equals $15,000 4.What are the primary sources of risk facing bank managers?Describe how each potentially affects bank performance.Provide one financial ratio to measure each type of risk and explain how to interpret high versus low values. 5.Define each of the following components of the Return on Equity model and discuss their interrelationships: a.ROE b.ROA c.EM d.ER e.AU 6.Explain why profitability ratios at small banks typically differ from those at the largest money center banks. 7.Regulators use the CAMELS system to analyze bank risk.What does CAMELS stand for and what financial ratios might best capture each factor? 8.Rank the following assets from lowest to highest liquidity risk: 1)3-month Treasury bills 2)year construction loan 3)4-year car loan with monthly payments 4)5-year Treasury bond 5)5-year municipal bond 6)year individual loan to speculate in stocks 7)month Treasury bill pledged as collateral 9.In each pair below,indicate which asset exhibits the greatest credit risk.Describe why. a.Commercial loan to a Fortune 500 company or a loan to a corner grocery store b.Commercial loans to two businesses in the same industry;one is collateralized by accounts receivable from sales,while the other is collateralized by inventory as work-in-process C. 5-year Ba-rated municipal bond or a 5-year agency bond from the Federal HomeLoan Mortgage Corp.(Freddie Mac) d.1-year student loan (college)or a 1-year car loan 10.What ratios on common-sized financial statements would indicate a small bank versus a large,multibank holding company?Cite at least five Chapter 3 Managing Noninterest Income and Non-interest Expense 1.When confronted with runaway noninterest expense,management's first impulse 第2页共8页银行管理学 第 2 页 共 8 页 10) Employee salaries and benefits $145,000 11) Purchase of a new computer system $50,000 12) Service charge receipts from customer accounts $41,000 13) Occupancy expense for bank building $22,000 14) Taxes of 34 percent of taxable income are paid 15) Trust department income equals $15,000 4. What are the primary sources of risk facing bank managers? Describe how each potentially affects bank performance. Provide one financial ratio to measure each type of risk and explain how to interpret high versus low values. 5. Define each of the following components of the Return on Equity model and discuss their interrelationships: a. ROE b. ROA c. EM d. ER e. AU 6. Explain why profitability ratios at small banks typically differ from those at the largest money center banks. 7. Regulators use the CAMELS system to analyze bank risk. What does CAMELS stand for and what financial ratios might best capture each factor? 8. Rank the following assets from lowest to highest liquidity risk: 1) 3-month Treasury bills 2) year construction loan 3) 4-year car loan with monthly payments 4) 5-year Treasury bond 5) 5-year municipal bond 6) year individual loan to speculate in stocks 7) month Treasury bill pledged as collateral 9. In each pair below, indicate which asset exhibits the greatest credit risk. Describe why. a. Commercial loan to a Fortune 500 company or a loan to a corner grocery store b. Commercial loans to two businesses in the same industry; one is collateralized by accounts receivable from sales, while the other is collateralized by inventory as work-in-process c. 5-year Ba-rated municipal bond or a 5-year agency bond from the Federal HomeLoan Mortgage Corp. (Freddie Mac) d. 1-year student loan (college) or a 1-year car loan 10. What ratios on common-sized financial statements would indicate a small bank versus a large, multibank holding company? Cite at least five. Chapter 3 Managing Noninterest Income and Non-interest Expense 1. When confronted with runaway noninterest expense, management’s first impulse