Is a bank required to have adequate cash (FRN) on hand to cash out a large check?

[Chex]

If we own a bank, why aren't we collecting interest and dividends? Shadow banking may be in order.

Don't know what you mean by shadow banking?

Follow the rules - 12 U.S. Code § 3105 - Authority of Federal Reserve System

[shikamaru]

Don't know what you mean by shadow banking?

Follow the rules - 12 U.S. Code § 3105 - Authority of Federal Reserve System

That is just the thing ...

Shadow banking is outside the rules and regulations of banking authorities.

Lots of shadow banks are in operation such as payday loan advance shops and private equity firms. You can even create your own if you know how.

Shadow banking can go by many other names as well such as private banking, private equity banking, full reserve banking, and private capital formation.

Banking is an operation. If you know and understand that operation, you can replicate or create it for your own personal gain.

I have, at this point in my life, found my own personal "holy grail" of personal finance and private banking, thus I'm shifting my entire personal economy towards this (private capital formation) as the center.