Rebirth 79: I opened a bank in the United States

Chapter 135 Bank Price Fifty-Six Thousand

"Hahaha, Goodman! Long time no see!"

"Long time no see, my old friend! Please let me introduce you, this is Little Blake, Carter! Carter, this is Mr. Buckley, the manager of Garden Bank in Fitzgerald. He is our old man. Seniors"

After Carter and Goodman arrived downstairs at the Best Western Hotel in Macon, conversations like this were played over and over again, like photos stuck in a camera.

With his hair combed to look like an adult, Carter, who was wearing a handsome suit, had a sincere smirk on his face, shaking hands and saying hello to these colleagues one by one.Occasionally, when I meet a guy who doesn't know whether it is true enthusiasm or fake enthusiasm, I will give a hug without distraction.

However, there are still very few people in this category. Maybe it's the reserve of bankers?It may also be that the depressed economic environment has made people lose their enthusiasm long ago.Still laughing at this moment, Carter felt that this group of people had achieved success in cultivation.

Of course, in this process, Carter naturally had to meet his "creditors".As the saying goes, look at his face, look at his face, Carter found that creditors like himself generally look not very good.Among them, the old Porter of Portnewt Bank had the strangest expression.

When shaking hands with Carter, he hesitated several times
"Ahem! Gentlemen, female. It's a pity that there are no beautiful flowers to decorate our venue today!"

As the crowd entered the hotel conference room and took their seats, a man also in formal attire walked up to the stage.In a more relaxed tone, the seminar on the bankruptcy and reorganization plan of Forest Bank in Pearson, or the prelude to the auction, was kicked off.

It is interesting to say that it is obviously about the processing meeting of Forest Bank, but the boss of Forest Bank has missed this meeting now.And everyone is also very tacit, no one has ever mentioned him.
The host has no sense of humor, or is completely inappropriate, light-hearted jokes in his ears, and all he sees is a group of so-called bank elites in suits and leather shoes who look like dogs.

Carter suddenly felt a little ironic.reality!Reality.
Carter believed that last year and before this, when these well-dressed people met the boss of Forest Bank, they were as enthusiastic as when they saw themselves today.

"The purpose of inviting everyone here this time should be clear to everyone, so I won't talk nonsense! First, let me introduce myself. Maybe some people here don't know me."

The host who didn't get a response continued to smile and said without changing his face:

"My name is John, John Patterson. I am from the Federal Deposit Insurance Corporation in receivership, also in the city of Pearson, and the leader of the Forest Bank bankruptcy restructuring task force. I am authorized by the FDIC to handle the post-bankruptcy issues related to Forest Bank. "

"Go straight to the point!"

"Pearson City Forest Savings Bank, established in 1923! It has a very long history, even earlier than our "Banking Act" legislation time! In its 57 years of operation, Forest Bank has accumulated a lot We are very surprised and regretful about its bankruptcy. After our careful review, we are sure that Forest Bank is still a very high credit rating.”

Following Patterson's explanation, Carter's face became weirder the more he listened, while the rest of the people had calm expressions.It seems to be listening carefully, but in fact it is all paddling for fish.
This is the meeting of the elites?Shouldn't we seriously discuss the issue of profit distribution, and then discuss how to carve up the Pearson market with a sly smile? !How can the spoils conference held by capital gluttons be held like a product launch event or promotional event? !

"Don't worry! The core content hasn't arrived yet, these words are just clichés, and it's useless to listen to them!"

Noticing that Carter's expression was different, Goodman leaned on his body very intimately, and whispered a reminder in Carter's ear.Back then, when he followed Old Black to this kind of meeting for the first time, his performance was similar to that of Carter.

The scene in front of me is too ruinous!However, more exciting things are yet to come
"Let's talk about the current assets and liabilities of Forest Bank!"

"Snapped"!
Carter's knee was suddenly bumped secretly by Goodman.In fact, Goodman didn't need to remind him at all. Carter also realized that the main event was coming, because at this time, those "veteran" who wandered in the sky gradually woke up.Except for a person who was really not interested and made up his mind to come to accompany him for a run and have a meal by the way, those who had a little bit of mixed thoughts all pricked up their ears at this time.

“首先！森林银行目前的总资产：467万8千4百美元！总负债463万5130美元！”

Accompanied by Patterson's narration, many people took out pens and paper and began to record these key information and data.

"Among them, deposit liabilities: $439; borrowing liabilities: $8430; settlement liabilities: $23!"

After quickly recording these numbers, Carter quickly performed a subtraction operation.Total assets minus total liabilities equals bank capital, which is [-]
The assets of this bank are so low that it is outrageous, no wonder this girl will be forced to go bankrupt and liquidated
Even if this meeting does not know how much risk assets Forest Bank has, but only the [-] capital, compared with its total assets of more than [-] million, you can feel its outrageousness.

"Next, let's take a look at the risk assets of Forest Bank, that is, how much money has been loaned out. The total is 2741250 US dollars! Currently, there are [-] US dollars in depositors' deposits in Forest Bank's account. "

"The number of checking accounts: [-]! The number of checking accounts: [-]; the number of time deposit accounts: [-]!"

"Gentlemen, I have to say that having so many accounts in Pearson, a small city with a population of less than [-], shows that Forest Bank has a good reputation in the local area!"

"However, behind the good reputation and fairly good revenue, risk control is also a link that our bank practitioners, especially savings bank practitioners, cannot ignore! The lessons of Forest Bank, I hope everyone can learn from them, in the future In future business operations, pay attention to risk control!"

Taking advantage of Patterson's nonsense again, Carter did another division.Take Forest Bank's capital of $43860 and divide it by the risky asset of $2741250
The result: 1.6%
Die unjustly!

After seeing the 1.6% calculated on the notebook in front of him, Carter sighed helplessly.

The risk control of banks these days is really not good.But no matter how much you ignore risk control factors, you can't go too far, can you?If you are too lazy to do errands, it is unreasonable for the FDIC not to engage you!
The representatives of the various banks who also calculated the risk ratio of Forest Bank's assets couldn't help but shake their heads after the calculation.As for the hidden dangers, even though Patterson posted a revenue statement later showing good benefits, many people still silently put away their eager eyes.It looks like I'm going to quit, I don't plan to dip into this muddy water again
Everyone's reaction was naturally noticed by Patterson, who knew that it could not be delayed any longer, and if it continued, the Forest Bank would not be easy to sell.So hastily announced the offer:

"Fifty-six thousand dollars! For fifty-six thousand dollars, you get full ownership of the bank!"

(End of this chapter)