Ratio

Value

Interpretation

Earning Assets Ratio

$95\mathrm{.}26\%$

High proportion of revenue$-$generating assets.

Return on Assets $($ROA$)$

$3\mathrm{.}46\%$

Decent profitability from total assets.

Total Operating Income

$12\mathrm{.}58\%$

Good revenue generation relative to assets.

Asset Utilization

$12\mathrm{.}58\%$

Efficient use of assets to generate income.

Net Interest Margin

$5\mathrm{.}53\%$

Strong interest income after covering interest expenses.

Interest Rate Spread

$1\mathrm{.}93\%$

Moderate gap between earning and paying interest rates.

Overhead Efficiency

$65\mathrm{.}84\%$

Efficient noninterest income coverage of expenses.

Tax Ratio

$20\mathrm{.}00\%$

$20\%$ of income paid in taxes.