Using the formulas and explanations in the text book Financial Markets and Institutions by Anthony Saunders 7th edition, especially found in Chapters 11 and 12, select a commercial bank of your choosing and prepare a performance analysis using the following ratios.

For each ratio,

(1) state the ratio,

(2) what is the ratio intended to measure,

(3) report the banks ratio, and

(4) state whether it is a strong (positive) ratio for the bank or is it below peer or below their target level

(5) state what actions or decisions the bank could make to improve each of the ratios

THE RATIOS

Return of Assets

Return on Equity

Net Interest Margin

Overhead Efficiency Ratio

Net chargeoffs to total loans

Non current loans to total loans

Non -interest income as a % of total incomeN.B. Sources for information are the banks web site investor relations section, the banks Annual Report and proxy, the banks SEC filings of 10ks, and 10Qs, investment analyst reports, and periodic press releases.