1、 Fill in the Blank Questions(1 point for each)
(1) _______________________  is a newer service provided by banks where the bank lends money to individuals for the purchase of durable and other goods. 
(2) margin rateThe loosening of government regulation and control of financial institutions is called ______  .
(3) A bank which now offers all of the available financial services is known as a __________bank. 
(4) A(n)         buys and sells securities on behalf of their customers and for their own accounts.  Examples of this type of financial service provider include Merrill Lynch and Charles Schwab.
(5) One tool that the Federal Reserve uses to control the money supply is ___________.  The Federal Reserve will buy and sell T-bills when they are using this tool of monetary policy. The federal bank regulatory agency which examines the most banks is the _______
_______.
(6) The short term securities of the bank, including T-Bills and commercial paper, are often called __________________________ because they are the second line of defense to meet demands for cash. Answer: 
(7) A(n)__________________________ is a deposit account which pays an interest rate competitive with money market mutual funds and which generally has limited check writing ability.  __________________________        can be held by individuals and nonprofit institutions, bear interest and permit drafts from being written against the account to pay third parties.
(8) The equity multiplier for a bank measures the amount of _____________________  of the bank and is one part of the evaluation of the bank's ROE. 
(9) __________________________ is the risk that the financial institution may not be able to meet the needs of depositors for cash.   
(10) A traditional measure of earnings efficiency is the __________________  or total interest income over total earnings assets less total interest expenses over total interest bearing bank liabilities.  It measures the effectiveness of a firm’s intermediation function in the borrowing and lending of money. 
(11)     The__________________ is the interest rate that equalizes the current market price of a bond with the present value of the future cash flows. 
(12) _________________________ is the difference between interest-sensitive assets and interest-sensitive liabilities.
(13)     A(n)_________________________ allows the holder the right to either sell securities to another investor (put) or buy securities from another investor (call) for a set price before the expiration date. A(n)_________________________ is a contract where two parties exchange interest payments in order to save money and hedge against interest rate risk. 
(14) A(n)_________________________ is where there is both a minimum and a maximum interest rate set on a loan.
(15) A(n) _________________________ is a contingent claim of the bank that issues it.  The issuing bank, in return for a fee, guarantees the repayment of a loan received by its customer or the fulfillment of a contract made by its customer to a third party.
(16) A relatively new type of credit derivative is a CDO which stands for __________________. Answer: collateralized debt obligation
(17) 24.    Lenders can set aside a group of loans on their balance sheet, issue bonds and pledge the loans as collateral against the bonds in  ____________    .  These usually stay on the bank’s balance sheet as liabilities.
(18) Debt instruments issued by cities, states and other political entities and which are exempt from federal taxes are collectively known as _____________________ . 

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