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On a blank piece of paper, draw a commercial bank balance sheet.    Show the following items on the balance sheet, clearly identifying which are assets and which are liabilities for the bank: Deposits Borrowings from the Fed Required Reserves Loans Securities Excess Reserves Other Borrowings Bank Capital   Upload a hand written balance sheet.  (Write your name on the page). Include this balance sheet on the same piece of paper showing hand written work for previous problems (other than the loan amortization chart you have already submitted.)

Complete the following loan amortization by hand.  Please draw a table like the one below on your blank page and fill in each blank. You will take a picture of this chart and upload your completed chart at the end of the exam. Please show your work. Please do not forget to calculate the total finance (interest) charge for this loan.  You should enter the total interest (finance) charge in the blank prompt for this question.     You are considering purchasing a house for $285,000.  Do a three month loan amortization and calculate total finance charge.  Assume a 20 % down payment.    20 year 5.00% loan with one and a half discount points.   Beginning Balance Payment Principle Interest Ending Balance                                       FILL IN THE BLANK FOR.    Total finance charge:_____________________

Identify the significance and major provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.  Fully explain each provision you identify.

From a bank management perspective, discuss the benefits and drawbacks of bank capital.   What are the benefits or drawbacks from a shareholder’s perspective?

Please take a photo/PDF of your hand-written work and submit it here.  Your work will be graded.  Please write your name at the top of the submission and make sure the problems are clearly labeled.   If you have more than one page, you will likely have to submit one page here and one page on the next “question.” Thank you!

SUPERBANK has a required reserve ratio of 8%.  The bank holds no excess reserves and required reserves are currently $30 million.  If the bank has an outflow of deposits of $7 million dollars, the bank will have a reserve shortage.  Calculate the dollar amount of the reserves shortage: Do your work on a blank piece of paper.  You will upload this work along with a balance sheet as part of the final question of this exam.

SUPERBANK has a required reserve ratio of 8%.  The bank holds no excess reserves and required reserves are currently $32 million.  If the bank has an outflow of deposits of $5 million dollars, the bank will have a reserve shortage.  Calculate the dollar amount of the reserves shortage: Do your work on a blank piece of paper.  You will upload this work along with a balance sheet as part of the final question of this exam.

SUPERBANK has a required reserve ratio of 8%.  The bank holds no excess reserves and required reserves are currently $34 million.  If the bank has an outflow of deposits of $6 million dollars, the bank will have a reserve shortage.    Calculate the dollar amount of the reserves shortage: Do your work on a blank piece of paper.  You will upload this work along with a balance sheet as part of the final question of this exam.

6) Pair production releases a proton and an electron.

13) The following decay scheme is an example of (select all that apply)