Chapter Seventeen The Near Banks Copyright © 2004 Pearson Education Canada Inc. Slide 17–3 Near Banks Trust Companies Mortgage Loan Companies Credit.

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Presentation transcript:

Chapter Seventeen The Near Banks

Copyright © 2004 Pearson Education Canada Inc. Slide 17–3 Near Banks Trust Companies Mortgage Loan Companies Credit Unions

Copyright © 2004 Pearson Education Canada Inc. Slide 17–4 Trust Companies History and organization Corporate trustees

Copyright © 2004 Pearson Education Canada Inc. Slide 17–5 Mortgage Loan Companies –History and Organization –Regulation –Deposit Insurance –The Balance Sheet

Copyright © 2004 Pearson Education Canada Inc. Slide 17–6

Copyright © 2004 Pearson Education Canada Inc. Slide 17–7 Credit Unions –Mutual Ownership –Common Bond Membership –Nonprofit, Tax-Exempt Status –Central Credit Unions –Organizational Structure –Deposit Insurance –Credit Unions across Canada –Credit Union Size –The Balance Sheet

Copyright © 2004 Pearson Education Canada Inc. Slide 17–8

Copyright © 2004 Pearson Education Canada Inc. Slide 17–9

Copyright © 2004 Pearson Education Canada Inc. Slide 17–10

Copyright © 2004 Pearson Education Canada Inc. Slide 17–11

Copyright © 2004 Pearson Education Canada Inc. Slide 17–12 Savings and Loan Industry in the U.S. Will Review –Number of institutions –Types of loans –S&L size –S&L assets –S&L liabilities and net worth –Capital

Copyright © 2004 Pearson Education Canada Inc. Slide 17–13

Copyright © 2004 Pearson Education Canada Inc. Slide 17–14 Decline in Number of Savings and Loan Associations in the U.S. FDIC statistics on banking industry

Copyright © 2004 Pearson Education Canada Inc. Slide 17–15 Total Assets of Savings and Loan Associations, 1979–2001

Copyright © 2004 Pearson Education Canada Inc. Slide 17–16 Savings and Loan Assets, 2001

Copyright © 2004 Pearson Education Canada Inc. Slide 17–17 Average Assets per Savings and Loan Association, 1984–2001

Copyright © 2004 Pearson Education Canada Inc. Slide 17–18 The Future of the S&L Industry (Net Income)

Copyright © 2004 Pearson Education Canada Inc. Slide 17–19 Savings and Loan’s Return on Equity

Copyright © 2004 Pearson Education Canada Inc. Slide 17–20 Number of Credit Unions in the U.S., 1933–2001

Copyright © 2004 Pearson Education Canada Inc. Slide 17–21 Types of U.S. Credit Union Loans

Copyright © 2004 Pearson Education Canada Inc. Slide 17–22 Advantages and Disadvantages of Credit Unions Advantages –Employer support –Tax advantage –Strong trade associations Disadvantages –Common bond requirement

Copyright © 2004 Pearson Education Canada Inc. Slide 17–23 Credit Union Membership in the U.S., 1933–2002

Copyright © 2004 Pearson Education Canada Inc. Slide 17–24 Future of Credit Unions in the U.S.