Capital Leases Outstanding: The FDIC has adopted the Financial Accounting Standards Board guidelines for reporting lease transactions as discussed in the Statement of Financial Accounting Standards No. 13, Accounting for Leases. The basic concept expressed by the Statement is that a lease transaction which substantially transfers all of the benefits and risks of property ownership […]
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In contrast to high levels of reach, high levels of frequency can be effectively achieved through advertising in a smaller number of media vehicles to elevate audience duplications within these media vehicles. A commercial that runs three times during a 30-minute television program will result in higher message repetition than the same commercial that runs […]
A media planner’s first media mix decision is to choose between a media concentration approach or a media dispersion approach. The media concentration approach uses fewer media categories and greater spending per category. This lets the media planner create higher frequency and repetition within that one media category. Media planners will choose a concentration approach […]
Whether media planners select media concentration or media dispersion, they still must pick the media category(ies) for the media plan. Different media categories suit different media objectives. Most media options can be classified into three broad categories: mass media, direct response media, and point-of-purchase media. A media planner’s choice will depend on the media objectives. […]
In an effort to establish and/or maintain customer relationships, banks often provide cash management services to corporate accounts. Two of the more common services are remote disbursement services and zero-balance accounts. Remote disbursement is a technique which enables a customer to delay settlement of a financial transaction by taking advantage of the “float” possibilities in […]
Growth of the commercial banking industry accompanied by greater customer demand for services has increased the importance of wire transfer. Wire transfer has evolved from the use of elementary Morse code to sophisticated automated switching operationing the Federal Reserve System with various governmental agencies and commercial banks. Functions of the wire transfer operation include daily […]
Errors and omissions and fraudulent alteration of the amount or account number to which funds are to be deposited could result in a loss to the bank. Costs can include loss of funds, loss of availability of funds, interest charges, and administrative expenses of recovering funds and correcting problems. Banks are exposed to settlement risk […]
Mortgages Payable: Mortgages, liens and other encumbrances on premises, which the bank is legally obligated to pay, are shown in the examination report under Other Borrowed Money. Premises should be carried on the books at its full value net of depreciation. A common method used by banks to carry fixed assets indirectly is to transfer […]
Secured and preferred deposits impose pledging requirements upon banks. Banks must secure U.S. Government deposits, and most states authorize or require the pledge of assets to secure state and municipal deposits. Although several forms of security may be acceptable, U.S. Government securities are the most commonly pledged. Many states also mandate that depositories secure trust […]
With respect to adequately-capitalized institutions, any safety and soundness concerns arising from the acceptance of brokered deposits are ordinarily addressed by the conditions imposed in granting the waiver. In monitoring such conditions, it is incumbent on the examiner not only to verify compliance but also to assess whether any unanticipated problems are being created. The […]
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