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Financial Institutions - Research Paper Example

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Financial Institutions

After reviewing the trend in banking branches, it is determined that there is a huge increase in bank branches then in 1934. Bank branches were very almost nonexistent in the 1930’s and increased as time went on. The increase in branches has shown a steady decrease in institutions. These increases and decreases show an overall increase in facilities. It seems that the public has more access to banking facilities then in 1934. There were 14,146 offices available in 1934 and in 2009 there are over 90,159. The trend shown for banking statistics shows that consolidating is a growing and continuing trend. This can be proven true since, almost every street in modern day America is home to a branch location. Some financial institutions house as many as 50 different financial institutions. This is good in a way that individuals can choose which financial institution to bank with. Despite the regulations that protect banks from failure, some do fail. Go to www2.fdic.gov/hsob/. Select the tab labeled “Bank and Thrift Failures”. How many bank failures occurred in the USA during the most recent calendar year? What were the total assets held by the banks that failed? How many banks failed in 1937? In 2010 name the top three states where bank failures occurred. 2. ...
The difference in bank loss assets differ by millions of dollars. This is proof that there is more money available and out in the American economy compared to the 1930’s. In 2010 there were also many bank failures. The top three states that produced bank failures were Florida, Georgia and Illinois. This was determined by totaling the number of failures in each state. Of the states listed, the most failures were in the given states. Whilst looking at the bank failure data choose one bank in Washington State and provide a two page synopsis of the bank condition (asset size, equity, derivatives book etc) at the time of failure. Also, conduct a media (newspaper/trade journal search) of any news regarding the failed bank you are researching. Did the board of directors consent to the closing? Name the date when Order for Taking Possession took place. Provide the name of the bidder that assumed the deposits of the bank. Was it necessary for the FDIC to create an interim bank to handle deposits for customers? 3. After reviewing bank failures, it is important to examine which banks failed and why the banks failed. The FDIC helps regulate certain banking aspects to try and prevent failure but sometimes it is out of the FDIC’s hands and nothing can be done. There could be many reasons as to why a bank would fail. Banks fail for many different reasons like a poor economy and improper management. Sometimes it has nothing to do with the bank and its employees but rather the amount of loans out. When a bank has many loans out and the borrowers are unable to pay, the banks take a loss. A bank that has failed in 2010 is the North County Bank. The bank is located in Arlington, in the state of Washington. This ...Show more

Summary

Go to www2.fdic.gov/SDI/SOB. Select “Historical Statistics on Banking” then “Commercial Bank Reports”. Finally, choose “Number of institutions, Branches and Total Offices”. Looking at the trend in bank branches, does the public appear to have more or less access to banking facilities?…
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Financial Institutions essay example
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