Broker Check
Rising rates hurt banks by



  • Fed lowered interest rates to nearly 0% -
  • Fed increased money supply -
  • Fed purchased assets from nonbank entities which created bank deposits -
  • U.S. bank deposits to increase greatly from 2020 to 2022 -
  • Money flowed into bank accounts of the most wealthy Americans -
  • Federal Reserve Requirements reduced to 0% in 2020 -
  • Inflation to increase in 2021 to its highest level since 1980 -
  • Fed raised interest rates at the fastest pace in U.S. history to help fight inflation -
  • Caused U.S. banks to incur net unrealized losses -
  • Money supply fell for the first time in U.S. history -
  • Depositors reinvested bank deposits into U.S. Treasuries -
  • Bank deposits fell for the first time in U.S. history -

Summary of bank failures


Silicon Valley Bank failure



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