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PAGE 4 ? Thrift Operations
Thrift Operations ? PAGE 3
? 2010 Cengage Learning. All Rights Reserved. This edition is intended for use outside of the U.S. only, with content that may be different from the U.S. Edition. May not be scanned, copied, duplicated, or posted to a publicly accessible website, in whole or in part.
? 2010 Cengage Learning. All Rights Reserved. This edition is intended for use outside of the U.S. only, with content that may be different from the U.S. Edition. May not be scanned, copied, duplicated, or posted to a publicly accessible website, in whole or in part.
? 2010 Cengage Learning. All Rights Reserved. This edition is intended for use outside of the U.S. only, with content that may be different from the U.S. Edition. May not be scanned, copied, duplicated, or posted to a publicly accessible website, in whole or in part.
Chapter 21
Thrift Operations
1. The insuring agency for SLs is the
A) Securities and Exchange Commission (SEC).
B) Federal Deposit Insurance Corporation (FDIC).
C) U.S. Treasury.
D) Savings Association Insurance Fund (SAIF).
ANSWER: D
2. The _________ savings institutions hold the most assets in aggregate.
A) stock owned
B) mutual
C) closely-held
D) privatized
ANSWER: A
3. Which of the following statements is incorrect?
A) A mutual-to-stock conversion allows savings institutions to obtain additional capital by issuing stock.
B) Because of the difference in owner control, mutual savings institutions are more susceptible to unfriendly takeovers.
C) When a mutual savings institution is involved in an acquisition, it first converts to a stock-owned savings institution.
D) Consolidation and acquisitions have caused the number of mutual and stock savings institutions to decline consistently over the years.
ANSWER: B
4. Savings institutions use most of their funds for ______.? Commercial banks use most of their funds for ______.
A) mortgages; mortgages
B) mortgages; business loans and commerc
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