Reference no: EM132218916
Consider the following balance sheet for MMC bancorp (in millions of dollars):
Assets: 1. Cash and due from $6.25
2. Short-term consumer loans (1-year maturity) 62.50
3. Long-term currency loans (2-year maturity) 31.25
4. 3-month T-Bills 37.50
5. 6-month T-Bills 43.75
6. 3-year T-Bonds 75.00
7. 10 year, fixed rate mortgages 25
8. 30-year, floating rate mortgages 50
9. Premises 6.25
Total $337.50
Liabilities
1. Equity capital (fixed) $25
2. Demand Deposits 50
3. Passbook savings 37.50
4. 3-month CDs 50.00
5. 3-month Bankers' Acceptances 25.00
6. 6-month commerical paper 75.00
7. 1-year time deposits 25.00
8. 2-year time deposits 50.00
Total: $337.50
a) Calculate the value of MMC's rate-sensitive assets, rate-sensitive liabilties, and repricing gap over the next year.
b) Calculate the expected change in the net interest income for the bank if interest rates rise by 1 percent on both RSAs and RSLs. If interest rates fall by 1 percent on both RSAs and RSLs.
c) Calculate the expected change in the net interest income for the bank if interest rates rise by 1.2 percent on RSAs and by 1 percent on RSLs. If interest rates fall by 1.2 percent on RSAs and by 1 percent on RSLs.
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