1. CALCULATE NIM

2. CALCULATE YIELD ON EARNING ASSETS

3. CALCULATE TOTAL RISK BASED CAPITAL RATIO

ASSETS INCOME STATEMENT DATA CASH 336,500 INTEREST INCOME 412,000 FED FUNDS 72,000 NON INTEREST INCOME 229,000 TREASURY SECURITIES 1,498,000 INTEREST EXPENSES 154,000 MUNICIPAL BONDS 248,000 NON INTEREST EXPENSES 104,000 CORPORATE BONDS GROSS LOANS \& LEASES 48,000 PROVISION FOR LOAN LOSSES 6,000 RESERVE FOR LOAN LOSSES 4,600,000 TAX RATE 21% NET LOANS \& LEASES 4,588,000 OTHER ASSETS 31,000 TOTAL ASSETS 6,821,500 LIABILITIES DEMAND DEPOSITS 570,000 SAVINGS ACCOUNTS 700,000 NOW ACCOUNTS 800,000 MONEY MARKETS ACC. 400,000 CD RETAIL 2,580,000 CD WHOLESALE 1,200,000 REPO'S 37,000 OTHER LIABILITIES 32,500 TOTAL LIABILITIES 6,319,500 TOTAL EQUITY 502,000 TOTAL LIABILITIES \& EQUITY 6,821,500