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Williams National Bank has its home office in New York State; however, it has branches in Nebrask A . The federal banking agencies most recent host state loanto- deposit publication lists the loan-to-deposit ratio for Nebraska as 78 percent. For Williams Bank to pass the loan-to-deposit screen of the Reigle-Neal Act, what must its loan-to-deposit ratio be for Nebraska?
Suggested Answer: C
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28 comments · newest first
AM
Ammie
10 months ago
50 percent sounds way too low for this situation.
FA
Fabiola
10 months ago
Totally agree, that's the requirement!
AV
Avery
10 months ago
It needs to be at least 78 percent.
AL
Alease
10 months ago
Definitely 78 percent, that's the standard for compliance.
SH
Sherita
10 months ago
Wait, are we sure it's not lower? Seems odd.
YO
Yolande
11 months ago
I'm not entirely clear on this one. Could it be that they only need to be above 50 percent? That seems low, though.
AR
Arlette
11 months ago
I practiced a similar question where the bank had to meet or exceed the state's loan-to-deposit ratio. I feel like it has to be at least 78 percent.
LY
Lynette
11 months ago
I remember something about the Reigle-Neal Act, but I'm not completely sure if it requires matching the state's ratio or just being above a certain percentage.
ST
Stephaine
11 months ago
I think the loan-to-deposit ratio for Williams Bank needs to be at least equal to Nebraska's ratio, so maybe it's A?
FI
Filiberto
12 months ago
Wait, I'm not sure. Is the 78 percent the overall state ratio or the minimum the bank needs? I better double-check the details.
EU
Eura
12 months ago
Easy peasy, the answer is A. The bank needs a loan-to-deposit ratio of at least 78 percent for its Nebraska branches to meet the requirement.
DO
Dortha
12 months ago
Okay, I think I got this. The question is asking for the minimum loan-to-deposit ratio the bank needs for its Nebraska branches to pass the Reigle-Neal Act screen.
SH
Shenika
1 year ago
Hmm, I'm a bit confused. Does the question mean the bank's overall ratio or just the ratio for the Nebraska branches?
MA
Maybelle
1 year ago
This question seems straightforward, just need to match the bank's loan-to-deposit ratio to the required ratio for Nebraska.
TA
Tawna
1 year ago
This is a no-brainer! A) At least 78 percent. Unless, of course, the bank wants to be the next Lehman Brothers. Just kidding, but seriously, let's not play fast and loose with the regulations, shall we?
CA
Carin
1 year ago
Hmm, I'm going with D) At least 25 percent. It's a national bank, so why should it be held to the same standards as a local bank?
MI
Micheal
1 year ago
User 3: I'm going with D) At least 25 percent, it seems fair for a national bank.
JO
Jonell
1 year ago
User 2: I agree, national banks should meet the same standards as local banks.
LA
Lashawnda
1 year ago
User 1: I think it should be at least 78 percent.
RE
Rebbecca
1 year ago
Definitely C) At least 39 percent. Who cares about matching the host state's ratio? The bank should be able to set its own targets.
LO
Lon
1 year ago
I think the answer is B) At least 50 percent. That seems like a reasonable threshold for a bank to pass the loan-to-deposit screen.
RO
Rolf
1 year ago
The correct answer is A) At least 78 percent. This is because the Reigle-Neal Act requires banks to have a loan-to-deposit ratio that matches the host state's ratio, which in this case is 78 percent.
MA
Margot
1 year ago
Exactly, it's a requirement of the Reigle-Neal Act.
JO
Johnathon
1 year ago
That makes sense, the bank needs to match the host state's ratio.
NI
Nida
1 year ago
A) At least 78 percent
MA
Maile
1 year ago
I'm not sure, but I think it makes sense that Williams Bank would need to have a loan-to-deposit ratio of at least 78 percent to pass the Reigle-Neal Act.
MA
Marge
1 year ago
I agree with Devorah, because the loan-to-deposit ratio for Nebraska is 78 percent.
DE
Devorah
1 year ago
I think the answer is A) At least 78 percent.