How can the bank optimize assets and liabilities

Assignment Help Financial Management

Reference no: EM133202022 , Length: 4 Pages

Assignment:

Create a report to describe how the Fed's actions can affect the daily business and the planning outlook of US Bank.

When analyzing a company, it is imperative that you get your hands on the company's balance sheet, which usually means locating a copy of the company's annual report, Form 10-K filing, or Form 10-Q filing.

The annual report is a document prepared by a company for all who are affiliated, including the shareholders, employees, and vendors. It outlines what happened in the business for the year.

The Form 10-K is an annual filing that the publicly traded companies are legally required to send to the Securities and Exchange Commission (SEC). It contains an explanation of company's operations, how it generates revenue, and the markets in which it operates.

The Form 10-Q filing is a smaller version of the Form 10-K filing. It is filed at the end of business quarter with the SEC.

To begin the project, use the Mergent Online database to locate the financial information for US Bank. Review and describe the balance sheet. Describe the types of assets and liabilities it has. What are the forms of income does it generate? Discuss how the bank could optimize its assets and liabilities. Be sure to cover the various performance metrics that the CEO and Board are concerned with, such as net interest margin, ROA, ROE, leverage, and bank leverage. Comment on the various forms of risk the bank faces in its daily operations and suggest methods for mitigating those risks.

To locate the bank's balance sheet:

1. Learn about the Mergent Online database by watching this video

This video introduces you to using the database, and at 2:28 of the video, you will see where to access the reports and filings.

2. Find the 10-K or the Annual Report in the Mergent Online Database by going to its home page. The ticker symbol is USB.

3. Go to either the Reports or Filings page. Practice downloading the filings in Microsoft Excel format so that you can use the spreadsheet to compute the metrics.

Your submission should be 3 to 4 pages.

This paper should be formatted in APA. The cover and reference pages do not count towards your content page requirement. The essay must have two references for each assignment. You can use your book as one reference and any search engine for additional references. Wikipedia is not a credible website and may not be used.

Submit your completed assignment by following the directions linked below. Please check the Course Calendar for specific due dates.

Save your assignment as a Microsoft Word document. (Mac users, please remember to append the ".docx" extension to the filename.) The name of the file should be your first initial and last name, followed by an underscore and the name of the assignment, and an underscore and the date. An example is shown below:

Balance sheet review: Describe US Bank assets and liabilities.

What forms of income does US Bank generate?

How can the bank optimize assets and liabilities?

Discuss US Banks net interest margin, ROA, ROE, leverage, and bank leverage.

What forms of risk does the bank face, and how can it mitigate those risks?

Describe how the Fed's actions affect the daily business and planning outlook of US Bank?

Reference no: EM133202022

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