,急Happy Bank starts with $200 in bank capital.It then takes

,急
Happy Bank starts with $200 in bank capital.It then takes in $800 in deposits.It keeps 12.5 percent (1/8th) of deposits in reserve.It uses the rest of its assets to make bank loans.
a.Show the balance sheet of Happy Bank.
b.What is Happy Bank's leverage ratio?
c.Suppose that 10 percent of the borrowers from Happy Bank default and these bank loans become worthless.Show the bank's new balance sheet.
d.By what percentage do the bank's total assets decline?By what percentage does the bank's capital decline?Which change is larger?Why?
Happy Bank starts with $200 in bank capital.It then takes in $800 in deposits.It keeps 12.5 percent (1/8th) of deposits in reserve.It uses the rest of its assets to make bank loans.
快乐的银行开始与200美元的银行资本.然后,它需要在800美元存款.它使12.5%()的存款准备金.它用它的其他资产,以使银行贷款.
a.Show the balance sheet of Happy Bank.
一.显示的资产负债表快乐银行.
b.What is Happy Bank's leverage ratio?
b.什么是快乐的银行的杠杆比率?
c.Suppose that 10 percent of the borrowers from Happy Bank default and these bank loans become worthless.Show the bank's new balance sheet.
c.假设10%的借款人违约,从快乐银行这些银行贷款变得一文不值.显示银行的新资产负债表.
d.By what percentage do the bank's total assets decline?By what percentage does the bank's capital decline?Which change is larger?Why?
d.通过百分比是做银行的总资产下降?什么是银行的资本比例下降?这变化是大?为什么?