USE THE EXCEL WORKSHEET TO ANSWER THE FOLLOWING QUESTIONS:

Based on this banks financial ratios what can you say about the stability of your bank?

How will Basel III impact your bank?

What does your analysis suggest about leverage ability going forward? dividends?

What do these ratios tell the investor about the profitability, growth and risk in this bank? Where do you expect growth to be coming from or in some cases declining?

ROE ROA ROA EQUITY MULTIPLIER TOTAL OP. EARNINGS PROFIT MARGIN PROFIT MARGIN NI/TOTAL OP. INCOME *INTEREST EXP/TOTAL OP. INCOME *PROVISION FOR LOAN LOSSES/TOTAL OP. INCON *NON INT. EXPENSE/ TOTAL OP. INCOME *INCOME TAXES/TOTAL OP. INCOME 2018 14.16% 0.85% 0.85% 16.68 $53,075 29.14% 36.47% 6.38% 51.93% 8.18% 2.91% 3.98% 3.42% 3.95% 82.46% 6.38% 76.33% 2019 13.32% 0.83% 0.80% 16.14% $59,133 28.46% 43.99% 7.38% 53.62% 6.66% 2.90% 4.18% 3.47% 4.08% 77.81% 7.38% 77.69% ASSET UTILIZATION ASSET UTILIZATION NET INTEREST MARGIN SPREAD OVERHEAD EFFICIENCY LOAN LOSS PROVISION LOAN TO DEPOSIT P/BK P/E BOOK VALUE GROWTH EARNINGS YIELD% ROE ROA TIER 1 CAPITAL RATIO NIM SPREAD 1.62 11.73 11.70% 8.52% 14.64% 0.83% 13.50% 2.96% 4.08%