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Current Texas Ratios for all US Banks and Credit Unions; Current Texas Ratios for US Banks Updated May 21st 2010 by Amateur Investors; Complete list of US banks and their Texas ratios as published in December of 2008 and an updated listing published in October of 2009; the original blog entry includes notes how the tables were created (that the ratio was multiplied by 100 for easier ...
Liquidity is a prime concern in a banking environment and a shortage of liquidity has often been a trigger for bank failures. Holding assets in a highly liquid form tends to reduce the income from that asset (cash, for example, is the most liquid asset of all but pays no interest) so banks will try to reduce liquid assets as far as possible.
Management does not demonstrate an acceptable capacity to measure and manage interest-rate risk, or the credit union has an unacceptable liquidity position. Analyses under modeling scenarios indicate that a significant deterioration in performance is very likely for credit unions rated 4 and inevitable for credit unions rated 5.
I originally started writing this post with the intention of reporting on a top ten list of "most troubled banks." A group called Research Associates of America prepared this list, using a ...
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Reserve requirement, a bank regulation that sets the minimum reserves each bank must hold. Quick ratio (also known as an acid test) or current ratio, accounting ratios used to determine the liquidity of a business entity; In accounting, the liquidity ratio expresses a company's ability to repay short-term creditors out of its total cash. It is ...
The purpose of minimum reserve ratios is liquidity rather than safety. An example of a country with a contemporary minimum reserve ratio is Hong Kong, where banks are required to maintain 25% of their liabilities that are due on demand or within 1 month as qualifying liquefiable assets.
[5] [6] When the bank liquidity problem exceeds the central bank’s desire to continue as "lender of last resort", as happened during the global financial crisis of 2007-2008, the government may try to restore confidence in the banking system, for example, by providing government guarantees.