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The first test is always to determine if there are sufficient enough assets that could be sold quickly to cover short-term liquidity needs (anything from 72 hours to 28 days). What is the percentage of charge-offs to total loans (consumer and commercial receivbles)? What is the percentage change of charge-offs from the previous fiscal period? Is created and built up by placing operating income (provisions) in an account on the asset-side of the blanace sheet, and which must be a sufficiently funded amount to cover actual or anticipated losses. Copyright 2017 realtors association of the palm beaches...

 
 
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