+ Page view | A Read aloud V Draw Highlight What's in Financial Statements? - Exercise Instructions Ratio Benchmark What is Anywhere Bank's net loan-to-deposit ratio? Use the provided Statement of Condition and Profit and Loss Statement to learn more about the financial status of Anywhere Bank. Complete the ratio calculations in the worksheet and respond to the (Net Loans / Total Deposits) x 100 question based on the provided statements Ratio Benchmark 1. What is Anywhere Bank's return on assets (ROA)? Refer to the Industry Performance Ratio Benchmarks chart and identify the benchmark for each of (Net Income / Total Assets) x 100 the above ratios. Write them for each ratio in the Benchmark column of this worksheet. 8. You learned that financial statements are useful for understanding bank performance. However, the bottom line doesn't tell the whole story and performance ratios help to round out that picture. 2. What is Anywhere Bank's return on equity (ROE)? With the financial information as presented for Anywhere Bank, what thoughts do you have regarding Anywhere Bank's performance ratios as compared to the industry benchmarks that you Return on Equity: (Net Income / Total Equity) x 100. have identified? (Write your response in the space below.) 3. What is Anywhere Bank's capital ratio? (Note that the word "Capital" is the same as saying "Total Stockholder Equity) (Capital / Total Assets) x 100 4. What is Anywhere Bank's net interest income? (Note, this is measured in dollars) (Total Interest Income less Total Interest Expense). N/A 5. What is Anywhere Bank's net interest margin (NIM)? (Note, NIM is expressed as a percentage. Average assets are calculated by taking the Total Assets for the start of the period then adding it to the Total Assets at the end of the period and dividing by two to get the "Average Assets" to be used in the calculation.) (Total Interest Income less Total Interest Expense then divide by Average Assets) worksheet is continued on next page 91% 70'F Sunny ch O Ei