Part One- You will expand on what you originally wrote by creating a Narrative and an Avatar for your character. In other words, you’ll be writing a day in the life of this character in the Game.

Sample work: https://sites.google.com/a/scarletmail.rutgers.edu/villanofinalportfolio215/home/gamer-persona

Sample Solution

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1. Based on the information provided below about banks A and B, compute for each bank its return on assets
   (ROA), return on equity (ROE) and leverage ratio.
   a. Bank A has net profit after taxes of $1.8 million and the balance sheet below:
   Bank A
   (in millions)
   Assets Liabilities
   Reserves $5 Deposits $100
   Loans $70 Borrowing $10
   Securities $45 Bank Capital $10
   b. Bank B has net profit after taxes of $0.9 million and the balance sheet below:
   Bank B
   (in millions)
   Assets Liabilities
   Reserves $7.5 Deposits $75.0
   Loans $55.0 Borrowing $3.0
   Securities $23.5 Bank Capital $8.0
2. Explain how a bank uses liability management to respond to a deposit outflow. Why do banks prefer liability
   management to asset management?

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FRED QUESTIONS

1. Are U.S. banks increasing in size? Use FRED to plot since 1984 on a quarterly basis the number of U.S.
   commercial banks (FRED code: USNUM) and, on the right scale, the volume of their deposits (FRED code:
   DPSACBM027SBOG). Download the data and compute the average deposit size of banks in the first quarters
   of 1984 and 2016.
2. What share of U.S. banks fail? Plot since 2000 the fraction (in percent) of bank failures (FRED code:
   BKFTTLA641N) relative to the number of banks (FRED code: USNUM). Comment on the timing and the
   proportion of failures. Were most of the failing banks large or small?

Sample Solution

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