Hints:

OROA = 2017= 2.90%-1.00%= 1.90%

OROA = 2018 = 3.29%-1.40%= 1.89%

AU 2018= 3.69% + 1.34%= 5.03%

AU 2017= 3.25%+1.5% = 4.75%

NPM 2018: 1.72%/5.03% = .34

NPM 2017 = 1.3%/4.75= .27

2018 3.69 0.40 3.29 1.34 2.74 1.40 0.17 1.72% 2017 3.25 0.35 2.90 1.50 2.50 1.00 0.60 1.30% Total Interest Income (IR%) Total Interest Expense(IE%) Net Interest Income (NIM) Total Non-interest Revenues (NIR%) Total Non-Interest Expense (NIE%) Burden % Provision for Loan Losses (PLL%) Pretax Operating Income (OROA%) Equity to Assets 10.01% 8.00%