Columbia County, Washington. Columbia County is a county located in the U.S. state of Washington. As of the 2010 census, the population was 4,078, making it the third-least populous county in Washington. The county seat and largest city is Dayton. The county was created out of Walla Walla County on November 11, 1875 and is named after the Columbia River.
As interest rates rise, profitability on loans also increases, as there is a greater spread between the federal funds rate and the rate the bank charges its customers. In these conditions, there is a better chance that borrowers will be able to pay back their loans.ncreases in the Federal funds rate directly increase the yield on this cash, and the proceeds go directly to earnings. An analogous situation is when the price of oil rises for oil drillers. The benefit of higher interest rates is most notable for brokerages, commercial banks and regional banks.
Their product just happens to be money. Other businesses sell widgets or services; banks sell money -- in the form of loans, certificates of deposit (CDs) and other financial products. They make money on the interest they charge on loans because that interest is higher than the interest they pay on depositors' accounts.The interest rate a bank charges its borrowers depends on both the number of people who want to borrow and the amount of money the bank has available to lend.herefore, the riskier the loan the higher the interest rate the bank charges. While paying interest may not seem to be a great financial move in some respects, it really is a small price to pay for using someone else's money. Imagine having to save all of the money you needed in order to buy a house.