Consider the following repricing buckets: Repricing Bucket  Assets Liabilities 1 day $100,000 $240,000 1 day to 3 months $200,000 $140,000 3 to 6 months $200,000 $200,000 6 to 12 months $500,000 $160,000 1 to 5 years $150,000 $260,000 Over 5 years $50,000 $200,000 What is the change in the bank’s future net interest income if the average rate change for assets and liabilities that can be repriced within 12 months is an decrease of 1%?

What amount must be deposited at the bank today to grow to $600 in 4 years, assuming 10% interest compounded semiannually? Please identify which table you used.

The following table is for the present value of $1 at compound interest. Year 1 2 3 4 5 6% Year 1 2 3 4 5 0.943 0.890 0.840 0.792 0.747 The following table is for the present value of an annuity of $1 at compound interest. 6% 0.943 1.833 2.673 10% 0.909 0.826 0.751 0.683 0.621 3.465 4.212 12% 0.893 0.797 0.712 0.636 0.567 10% 0.909 1.736 2.487 3.170 3.791 12% 0.893 1.690 2.402 3.037 3.605 Using these tables, what would be the present value of $15,000 (rounded to the nearest dollar) to be received 3 years from today, assuming an earnings rate of 6%?

Which of the following statements are most likely to be false? 1. The effective annual interest rate will always be greater than the quoted (or annual percentage) interest rate. II. All else being the same, the present value of a five-year, $10,000 annuity due will be higher than the present value of a five-year, $10,000 ordinary annuity. III. If you were depositing funds at a bank, and the quoted interest rate was 4% p.a., you would be better off if the bank used semi-annual compounding rather than quarterly compounding. I and II only. I and III only. II and III only. I, II and III.

What is the value in year 15 of a $260 cash flow made in year 4 if interest rates are 12 percent? (Do not round intermediate calculations. Round your answer to 2 decimal places.)

The duration of the assets to four decimal places:Cash: 0.0000 yearsLoans: 1.7500 yearsTreasuries: 7.0000 years The duration of the liabilities to four decimal places:Time Deposits: 1.7500 yearsCDs: 2.5000 yearsEquity: Not provided If all interest rates decline 90 basis points (ΔR/(1 + R) = -90 basis points), the change in the market value of equity can be calculated as follows:

a. Use the appropriate formula to determine the periodic deposit. b. How much of the financial goal comes from deposits and how much comes from interest? Periodic Deposit $? at the end of each year iClick the icon to view some finance formulas. Rate 3% compounded annually Time 16 years Financial Goal $120,000

3. You deposited $250 in the bank for 5 years at 12%. If interest is added at the end of the year, how much will you have in the bank after one year? Calculate the compounded amount you will have in the bank at the end of year two and continue to calculate all the way to the end of the fifth year.  Year Year Beginning Balance Interest Year End Balance 1 $250.00 ? ? 2 ? ? ? 3 ? ? ? 4 ? ? ? 5 ? ? ? PLEASE NOTE #1: All dollar amounts will be with "$" and commas as needed and rounded to two decimal places (i.e. $12,345.67). Use the future value of $1 table in the Appendix B PV FV Tables Appendix B PV FV Tablesand verify that your answer above is correct. Present Value (PV) PV FV Factor Future Value (FV) ? ? ? PLEASE NOTE #2: All factors from the PV FV Tables are rounded to three decimal places (i.e. 1.234).