![]() The Mighty website combines this data with other public data to generate a profile of each bank or credit union with an even deeper analysis of each bank’s impact on its communities. There’s a line for “Small Business Loans” click on that to see a breakdown of those loans, some secured by real estate as collateral and some not secured by real estate collateral. There are multiple reasons for the difference, but a lot has to do with a bank’s business model - how much demand is there for loans from the clients the bank attracts? How much in loans does the bank actually want to make? Click on “net loans and leases” and you’ll reveal some basic categories of loans, some of which overlap - real estate loans, loans to individuals that include some real estate loans, breakdowns of commercial real estate loans and real estate loan types. By contrast, Silicon Valley Bank had only $73 billion in loans on its balance sheet, just 35% of its assets. Net loans and leases: As you might expect, this is the biggest bucket for most banks, and that’s the case here, with M&T Bank having $129 billion in loans on its balance sheet, or 64% of its assets. Government Securities - along with $243 million in corporate bonds and $141 million in “equities,” which is the financial term for publicly-traded stocks. You can see here that although M&T’s overall balance sheet is about the same size as the former Silicon Valley Bank, M&T has only $21 billion invested in U.S. Government Securities on its balance sheet. According to the most recent available data, Silicon Valley Bank had $108 billion in U.S. These are what’s in the news because of Silicon Valley Bank’s collapse. Click on that and the breakdown appears between various categories of securities, including U.S. If you click on that item it’ll show you the breakdown between cash at other private banks and cash at the Federal Reserve. The first level that comes up includes the basic big buckets:Ĭash and balances due: That’s cash on deposit at other banks, including at the Federal Reserve, which serves as the main bank for banks. Click on “Total Assets” - turns out, it’s a dropdown tree with multiple levels. With every bank or credit union balance sheet, assets must always equal liabilities. So M&T Bank has a $200 billion balance sheet. You’ll see the dollar amounts on the right - as the interface notes, all dollar amounts are displayed in thousands, so add three zeros to all the dollar amounts you see. In that menu, select “Assets, Liabilities, and Capital.” Then hit the “Generate Report” button below.ĭoing so brings up the top levels of the balance sheet - specifically items 3 and 4, Total Assets and Total Liabilities. On the page that comes up, you’ll see a dropdown menu toward the bottom. Find and click “create financial reports for this institution.” You’ll see a list of the bank’s branches all across the country, the date the bank was established, where the bank is legally headquartered, tabs to bring up more history about the bank, and other info. Click on “view details” to go to the bank’s profile page. Sometimes a bank’s actual name is different from what it goes by - M&T Bank for example is actually “Manufacturers and Traders Trust Company.” You can also search by a bank’s website, which might be more reliable for those who are now accustomed to online banking. Go to the FDIC’s BankFind database, where you can search for your bank by name. We’ll start with banks, then come back to credit unions. ![]() Here’s how to find and download all those balance sheets, some basics about risk levels and resources to understand more about the risk of some assets versus others. They also show how much of the bank’s deposits are actually covered by federal deposit insurance versus uninsured deposits.Ī bank’s balance sheet can’t tell you what the current or ongoing risks are for each type of asset on its balance sheet, but there’s plenty of information sources that can help you assess that. Those balance sheets can give you broad information on how much in loans, treasury bonds and other bonds, stocks, real estate and other assets are in every bank’s or credit union’s portfolio, including aggregated information on the type of loans currently on a bank’s books. Yes, good news, even now with everyone worried about the safety and soundness of their bank - because as it happens, your bank or credit union’s balance sheet is public information, updated quarterly. ![]() If you’ve ever wondered what your bank is invested in, there’s good news for you. ![]()
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