FRINK Linked Data Fragments server

Matches in SemOpenAlex for { <https://semopenalex.org/work/W2993223578> ?p ?o ?g. }

• W2993223578 startingPage "46" @default.
• W2993223578 abstract "6 If the banking industry had its own museum, a sort of financial Smithsonian, there would be an exhibit tucked in some corner with a placard reading, Age of the Core Deposit. As you entered you'd see a glass case stuffed with plush toys, some carrying names quaintly reminiscent of banks past. You'd see a Crocker Spaniel, a Hubert the Harris Lion, an old Chase Banker Bear, and all their fellows. Another case would contain china and glassware, the items that would draw in housewives week after week to add to passbook accounts. A glint of light from shiny metal would, of course, draw your attention to a special display of toasters, so ubiquitous an item in the bank marketing arsenal of yore that they inspired jokes. Only the historical-minded likely would ever visit this shrine to the age when Regulation Q still ruled. Though that era was only about 20 years ago, it seems longer gone than that. And while a few deposit premiums can still be found, customers in today's more demanding world mostly want three things: return, return, and return. A widening arsenal for a changing war Bankers are having to adapt to a new world of funding. Deposits are still essential, but banks must frequently be cagier than they once were to get them. This is an age when depositors not only shop their local banks and thrifts, but compare what banks offer to mutual funds and more. It is an age where comparative shopping around the entire nation is as close as any personal computer with a modem, on a web site operated by Bank Rate Monitor (www.bankrate.com, for the curious). Brokered deposits no longer carry the stigma they used to, though many community bankers we talked to still shy away from them. There are advances to be had, for members, from the Federal Home Loan Bank System, though some community bankers tend to regard advances as a fire extinguisher, rather than a prime source. There are cooperative efforts between cash-poor community banks and those community banks with excess cash available for loan participations. The epitaph for the traditional deposit-gathering mindset can be plainly read in statistics quoted by Mike Brosnan, acting senior deputy comptroller for capital markets. Brosnan notes that as recently as 1989, money market funds held $1 trillion in funds, while the banking system held $2.5 trillion in deposits. At the end of 1996, Brosnan notes, money market funds held $3 trillion, while bank deposits came in around the same number. There's been a secular shift in how consumers are apportioning their money, says OCC's Brosnan. The flip side of this, according to Brosnan, is banks' lending activity. In 1985, the loan-to-deposit ratio for all banks was 77%. In 1996, he says, that ratio came in at 89%. And some banks don't even care for the traditional loan-to-deposit ratio as a representative measure of their activity any longer, reflecting the alternative funding methods some have explored. At Park National Bank, Newark, Ohio, for instance, the ratio of choice is the loan-to-assets, according to John W. Kozak, vice-president, investments. Park National frequently uses repurchase agreements--borrowings from companies and local governments secured by items in the bank's investment portfolio--to fund its assets. While the trend has not grown to alarming proportions, indicating instability, some observers worry about the relative growth of loans versus deposits. While total loans increased by 7.1% in the third quarter of 1996 compared to the same period in 1995, according to FDIC statistics, interest-bearing deposits, which account for the majority of bank deposits, rose only 3.9%. Noninterest bearing deposits rose by 12.9% in the same period over 1995's third quarter, but these deposits account for a much smaller portion of banks' liabilities. The chart below shows a four-year trend based on all types of deposits. …" @default.
• W2993223578 created "2019-12-13" @default.
• W2993223578 creator A5018234346 @default.
• W2993223578 date "1997-02-01" @default.
• W2993223578 modified "2023-09-22" @default.
• W2993223578 title "Oh Toaster, Where Are You Now?" @default.
• W2993223578 hasPublicationYear "1997" @default.
• W2993223578 type Work @default.
• W2993223578 sameAs 2993223578 @default.
• W2993223578 citedByCount "0" @default.
• W2993223578 crossrefType "journal-article" @default.
• W2993223578 hasAuthorship W2993223578A5018234346 @default.
• W2993223578 hasConcept C112698675 @default.
• W2993223578 hasConcept C144133560 @default.
• W2993223578 hasConcept C162853370 @default.
• W2993223578 hasConcept C17744445 @default.
• W2993223578 hasConcept C199539241 @default.
• W2993223578 hasConcept C54750564 @default.
• W2993223578 hasConcept C554936623 @default.
• W2993223578 hasConcept C6303427 @default.
• W2993223578 hasConcept C95457728 @default.
• W2993223578 hasConceptScore W2993223578C112698675 @default.
• W2993223578 hasConceptScore W2993223578C144133560 @default.
• W2993223578 hasConceptScore W2993223578C162853370 @default.
• W2993223578 hasConceptScore W2993223578C17744445 @default.
• W2993223578 hasConceptScore W2993223578C199539241 @default.
• W2993223578 hasConceptScore W2993223578C54750564 @default.
• W2993223578 hasConceptScore W2993223578C554936623 @default.
• W2993223578 hasConceptScore W2993223578C6303427 @default.
• W2993223578 hasConceptScore W2993223578C95457728 @default.
• W2993223578 hasIssue "2" @default.
• W2993223578 hasLocation W29932235781 @default.
• W2993223578 hasOpenAccess W2993223578 @default.
• W2993223578 hasPrimaryLocation W29932235781 @default.
• W2993223578 hasRelatedWork W115693293 @default.
• W2993223578 hasRelatedWork W128975664 @default.
• W2993223578 hasRelatedWork W201984416 @default.
• W2993223578 hasRelatedWork W214842636 @default.
• W2993223578 hasRelatedWork W233516789 @default.
• W2993223578 hasRelatedWork W234730119 @default.
• W2993223578 hasRelatedWork W240030235 @default.
• W2993223578 hasRelatedWork W243126824 @default.
• W2993223578 hasRelatedWork W276051946 @default.
• W2993223578 hasRelatedWork W27718186 @default.
• W2993223578 hasRelatedWork W279832619 @default.
• W2993223578 hasRelatedWork W285889768 @default.
• W2993223578 hasRelatedWork W2992651007 @default.
• W2993223578 hasRelatedWork W300866890 @default.
• W2993223578 hasRelatedWork W302140308 @default.
• W2993223578 hasRelatedWork W302465817 @default.
• W2993223578 hasRelatedWork W330224668 @default.
• W2993223578 hasRelatedWork W340473716 @default.
• W2993223578 hasRelatedWork W82190079 @default.
• W2993223578 hasRelatedWork W209041122 @default.
• W2993223578 hasVolume "89" @default.
• W2993223578 isParatext "false" @default.
• W2993223578 isRetracted "false" @default.
• W2993223578 magId "2993223578" @default.
• W2993223578 workType "article" @default.