My dude you are an alabaster regard.

You need to know that banks don’t only hold bonds, they also hold loans that are paid back monthly etc. seems like you read a few headlines and think you gonna be able to run a bank now. No pun intended.

The fed borrow rate is a yearly rate. It’s not an upfront rate. If they hold it for a month or two they don’t owe the fed 5%. You need to learn how interest on loans work.

Best comment.

This is some hastily ductaped together dd if I’ve ever seen any.

Holding Frc, BAC and KBE, FRC my main focus