Bank A (Dollars in Millions)				12 Points
Assets				Liabilities and Equity
Cash	$850			Deposits		$6,475
Securities	$1,925			Other Borrowing		$1,645
Loans	$5,400			Equity		$1,030
Other	$975			Total		$9,150
Total	$9,150
Income Statement
Interest income on loans			$450
Interest income on securities			$95
Interest expense			$246
Noninterest income			$78
Noninterest expense			$112
Provision for loan losses			$35
Taxes			$115
Net Income			$115		$ 115 = (450 + 95 + 78 - 246 - 112 - 35 - 115)
For Bank A, calculate:
a.	Return on assets (ROA)
b.	Return on equity (ROE)
c.	The bank's profit margin
d.	The bank's utilization ratio
a.	Return on Assets =		(Net income / Total assets)
	ROA =	$115/$9,150 =
b.	Return on Equity =		Net income / Total equity capital
	ROE =	$115/$1,030 =
c.	Profit margin =		Net income / Total operating income
	Profit margin =		$115/($450 + $95 + $78) =
d.	Asset utilization =		Total operating income / Total assets
	Asset utilization =		($450 + $95 + $78)/$9,150 =