某商業銀行經營評價管理規劃（英文版）(ppt 69頁)

某商業銀行經營評價管理規劃（英文版）內容提要：
Short-term investmentsInterest-bearing bank balances (deposits due from other banks)federal funds soldsecurities purchased under agreement to resell (RPs)Treasury bills municipal tax warrantsLong-term investment: notes and bonds Treasury securitiesObligations of federal agenciesMortgage-backed, foreign, and corporateIt consists of vault cash,deposits held at Federal Reserve Banksdeposits held at other financial institutionscash items in the process of collectionThese assets are held tomeet customer withdrawal needs meet legal reserve requirementsassist in check clearing and wire transfers effect the purchase and sale of Treasury securities。
Other assets are residual assets of relatively small magnitudes such as
bankers acceptances premises and equipmentother real estate owned and other smaller amountsThe characteristics of various debt instruments differ in terms of check-writing capabilities interest paid maturity whether they carry FDIC insurance
whether they can be traded in the secondary market.
Demand deposits transactions accounts that pay no interestNegotiable orders of withdrawal (NOWs) and automatic transfers from savings (ATS) accounts pay interest set by each bank without federal restrictionsMoney market deposit accounts (MMDAs)
pay market rates, but a customer is limited to no more than six checks or automatic transfers each month Two general time deposits categories exist:Time deposits in excess of $100,000, labeled jumbo certificates of deposit (CDs).Small CDs, considered core deposits which tend to be stable deposits that are typically not withdrawn over short periods of time.Deposits held in foreign offices balances issued by a bank subsidiary located outside the U.S.

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