1/ The financial statements for ABC National Bank are shown below:

Balance sheet ABC National Bank

Assets		Liabilities and Equity
Cash and due from depository institutions	$800	Interest-bearing deposits	$4,000
Securities	$1000	Noninterest-bearing deposits	$2,450
Fed funds sold and securities purchased under agreements to resell	$900	Trading liabilities	$350
Net loans and leases	$6,900	Other liabilities	$300
Total assets	$9,600	Total liabilities	$7,100
		Total equity capital	$2,500
		Total liabilities and equity capital	$9,600

Income statement ABC National Bank

Interest income	$2,450
Interest expense	$1,630
Provision for loan losses	$80
Noninterest income	$240
Noninterest expense	$410
Income taxes	$40
Net income	$530

a/ What is the dollar value of Earning assets held by ABC National Bank?

b/ What is the dollar value of Interest-bearing liabilities held by ABC National Bank?

c/ What is the ABC National Banks Net interest income?

d/ What is the ABC National Banks Net interest margin (NIM)?

e/ What is the ABC National Banks Spread?

f/ What are the ABC Banks ROA and ROE?

g/ What is the ABC Banks Total operating income?

h/ What is the ABC Banks Asset utilization?

i/ What is the ABC Banks Profit margin?

j/ What is the ABC Banks Overhead efficiency?

2/ A mutual fund has 1000 shares of AT&T, currently trading at $35; 300 shares of Toro, currently trading at $75; and 2500 shares of General Electric, currently trading at $30. The mutual fund has $12,000 liabilities and 5,000 shares outstanding held by investors.

a/ What is the funds market value of assets?

b/ What is the NAV of the fund?

3/ An investor plans to invest $15,000 in a mutual fund with a 3% front load (one-time fee). The fund charges an expense ratio of 1.25% against the average assets for the year. If the funds one-year gross return is 10%, what is the investors one-year return net of loads and expenses?

4/ An investor plans to invest $15,000 in a mutual fund with a 3% front load (one-time fee). The fund charges an expense ratio of 1.25% against the assets at the end of the year. If the funds one-year gross return is 10%, what is the investors one-year return net of loads and expenses?