Blog

Answer the following questions.   a. Explain why a rating system for banks is necessary.   b. Explain how the CAMELS rating system works.   c. Choose two of the letters from AMELS (C is not an option) and explain the general intent of each category and        provide two specific measurement items or concerns from each category.   d. Explain one of the other two areas that are now part of the CAMELS+ examination (the +)   e. In this era of disclosure and open access to information, CAMELS ratings are still not available to the general        public. Explain why this has always been the case and if it is likely the right thing to do in the modern era.

Evaluate the capital adequacy of the bank below. Illustrate using the format from the problems worked in class.Balance Sheet for Mayville State Bank ($000,000 of dollars)Assets                                                                                                                      Liabilities and Capital               Reserves                                               88                                        Demand deposits                             634               Government Agency Securities        44                                        NOW accounts                                   210               State of SC Bonds                             322                                        Savings                                              1106               Richland County Bonds                     96                                        Other non-transactions dep.         1258            City of Columbia Bonds                     64                                        Borrowing                                           350               Treasury Notes                                    38                                        Subordinated debt                              40               Treasury Bonds                                   24                                        Other liabilities                                   450               Treasury Bills                                       56                                        Equity capital                                      132               Deposits with other banks             156                                                       Residential Mortgages                  1450               Consumer loans                              230               Agricultural loans                          1110               Business loans                                 444               Loan loss reserve                             -96               Fixed assets                                      154                                                                                                                       Total                                              $4,180                                       Total                                                     $4,180

Select 5 (of the 10 listed for AS 1) different channels that banks use to deliver services. For each, explain how the channel works describe the characteristics of the customers who will likely be users of services in that channel.

Based on the image above, what is the minimum amount of UV light exposure required to best limit the growth of bacteria?

What is the total magnification of a specimen using the 4X objective?

Why are discs soaked in sterile water used in disc diffusion methods for analysis of antiseptics, disinfectants, and antibiotics?

Which of the following helps best determine the oxygen requirements of an organism?

The following is the pseudocode for which type of algorithm? Set first to 0 Set last to the last subscript in the array Set found to false Set position to -1 While found is not true and first is less than or equal to last Set middle to the subscript halfway between array[first] and array[last] If array[middle] equals the desired value Set found to true Set position to middle Else If array[middle] is greater than the desired value Set last to middle – 1 Else Set first to middle + 1 End If End While Return position

Which of the following staining techniques would be most appropriate to use in the identification of Clostridium and Bacillus spp.?

What does the following statement do? double *num2;