deposits in transit

Examples of deposits in transit in the following topics:

• Solid to Gas Phase Transition

  • Sublimation is the phase transition from the solid to the gaseous phase, without passing through an intermediate liquid phase.
  • It is an endothermic phase transition that occurs at temperatures and pressures below a substance's triple point (the temperature and pressure at which all three phases coexist) in its phase diagram.
  • In these cases, the transition from the solid to the gaseous state requires an intermediate liquid state.
  • But at temperatures below that of the triple point, a decrease in pressure will result in a phase transition directly from the solid to the gaseous.
  • The reverse process of sublimation is deposition (i.e., gas to solid).

• Example Transactions Showing How a Bank Can Create Money

  • Each has $10,000 in deposits and no excess reserves, so each has $9,000 in loans outstanding, and $10,000 in deposit balances held by customers.
  • Suppose a customer now deposits $1,000 in Anderson Bank.
  • There are now $11,000 in deposits in Anderson with $9,900 in loans outstanding.
  • The deposit multiplier is the ratio of the maximum possible change in deposits to the change in reserves.
  • In the above example the deposit multiplier is 1/0.1, or 10.

• Other Measurements of the Money Supply

  • In addition to the commonly used M1 and M2 aggregates, several other measures of the money supply are used as well.
  • MB is the total of all physical currency plus Federal Reserve Deposits (special deposits that only banks can have at the Fed).
  • M3: M2 + all other certificates of deposit (large time deposits, institutional money market mutual fund balances), deposits of eurodollars and repurchase agreements.
  • Whenever a bank gives out a loan in a fractional-reserve banking system, a new sum of money is created.
  • This new type of money is what makes up the non-M0 components in the M1-M3 statistics.

• The Money Supply Multipliers

  • Currency-deposit ratio would increase if people evaded taxes or participated in illegal activities.
  • We define the money supply (M1) as the currency in circulation (C) plus checkable deposits (D), written as M1 = C + D.
  • We substitute these numbers into the currency deposit ratio and total reserves-deposit ratio in Equations 13 and 14.
  • For example, the currency in circulation equals $240 billion; checkable deposits equal $600 billion; total bank reserves equal $60 billion, and total time deposits equal $800 billion.
  • Subsequently, we calculate the ratios for currency-deposit, reserves-deposit, and time checkable-deposit in Equations 19, 20, and 21.

• Evolution of Land Plants

  • The geologic periods of the Paleozoic are marked by changes in the plant life that inhabited the earth.
  • The oldest-known vascular plants have been identified in deposits from the Devonian.
  • One of the richest sources of information is the Rhynie chert, a sedimentary rock deposit found in Rhynie, Scotland, where embedded fossils of some of the earliest vascular plants have been identified .
  • This field seeks to find transitional species that bridge gaps in the path to the development of modern organisms.
  • Paleobotanists collect fossil specimens in the field and place them in the context of the geological sediments and other fossilized organisms surrounding them.

• Changes in the Monetary Base

  • First, we list the Fed's total assets in Equation 2 and total liabilities in Equation 3.
  • Treasury deposits + Foreign and other deposits + DACI (3)
  • Next, we substitute the monetary base formula into Equation 3 because the monetary base equals deposits held by depository institutions plus currency in circulation, or B = D + C.
  • Treasury deposits + Foreign and other deposits + DACI + Capital (4)
  • Treasury deposits – Foreign and other deposits – Capital (6)

• Multiple Deposit Expansion and Contraction

  • Construction company receives a check for $8,100 and deposits this check in its bank.
  • We show reserve changes in Equation 4 and deposit changes in Equation 5.
  • We solve Equation 6 for change in deposits, yielding the money supply equation in Equation 7.
  • Consequently, your deposit becomes $9,800, and the bank must hold $980 in required reserves.
  • Bank calls in loans, causing other banks to lose deposits.

• The Federal Deposit Insurance Corporation (FDIC)

  • The Federal Deposit Insurance Corporation is an independent agency whose mandate is to maintain stability and public confidence in financial system.
  • The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system by insuring deposits, examining and supervising financial institutions for safety and soundness and consumer protection, and managing receiverships.
  • The FDIC receives no Congressional appropriations; it is funded by premiums that banks and thrift institutions pay for deposit insurance coverage and from earnings on investments in U.S.
  • The FDIC insures more than $7 trillion of deposits in U.S. banks and thrifts—deposits in virtually every bank and thrift in the country .
  • The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system.

• The Reserve Ratio

  • The reserve ratio is the percentage of deposits that a bank is required to hold in reserves, or funds that are not allowed to be loaned.
  • The ratio is a set percentage of customer deposits that a bank is required to hold in reserves, or funds that are not allowed to be loaned.
  • Required reserves are normally in the form of cash stored physically in a bank vault (vault cash) or deposits made with a central bank.
  • For example, a reserve ratio of 20% will result in 80% of any given initial deposit being loaned out and if the process of loaning is assumed to continue, the maximum increase in money expansion specific to an initial deposit at a 20% reserve ratio will be equal to the reserve multiplier 1/(reserve ratio) x the initial deposit.
  • This then signifies that any initial deposit will contribute to an expansion in money supply up to 5 times its original value.

• Physical Properties and Atomic Size

  • Color in transition-series metal compounds is generally due to electronic transitions of two principal types: charge-transfer transitions and d-d transitions.
  • In a d-d transition, an electron jumps from one d-orbital to another.
  • In regards to atomic size of transition metals, there is little variation.
  • In the transition elements, the number of electrons are increasing but in a particular way.
  • Recognize the significance of atomic size and electronic transitions in transition metals.