1- GB Bank has ROE of 8%, capitalization ratio 15%, net interest margin 12% and tax rate is 40%. If the total interest income is $125,000 exceeding the total interest expense by $28,846.15. The pretax net operating income is $21,250, security loss $3,100 and extraordinary gain $500. Then how much is the approximate percentage of earning assets from the total assets. *

21.77%

45%

50.83%

100%

None of the above

2- The total interest expense is half the Net Interest Income which is $400,000 which represents 80% from the Adjusted Operating Income. The profit margin is 5% and the asset utilization ratio is 48% and the capitalization ratio is 20%. Then how much does ROE exceed ROA of this Bank if the average earning assets are 70% from the total assets? The answer is nearest to: *

1.5%

2.4%

9.6%

12%

None of the above

3- The provision for loan loss ratio is 10%, the Net Interest Income is $925,000, noninterest Income is $120,000, Non Interest Expenses are $405,000 and the pretax operating income is $310,500, and the reserve for loan losses are $400,000. The Net Interest Margin is 18% and the earning assets are 75% of the total assets. How much is the approximate loan ratio? *

31.1%

38.52%

48.1%

42.25%

None of the above

4- Werho Bank has a total interest expense representing 75% of the total interest income. The pretax net operating income is $1,255,000. The ROA is 26% knowing that 65% of the total assets are earning assets and tax rate is 35%.The Net Interest margin of Werho Bank is 9.5%. Knowing that Werhon Bank has nor extra ordinary losses nor gain. How much is the Net Interest Income for the bank *

$774,963

$581,222

$438,986

$193,741

None of the above