Calculate the following using the income statement & balance sheet for 2016 & 2017:
ROA
Net Interest Margin
Non-Interest Income as a percentage of total assets
Non-Interest Expenses
Loan Loss Provision
(Please explain how you got each answer)
2014 Y 2015 Y 2016 Y 017Y 2018 01 YTD Source Document Currency Code (in thousands) 12/31/2015 1231/2016 123/2017332018 3/31/2018 USO USD uSO USD Cash and due from banks (noninterest-beaing) 277 75 327,706 Federal funds sold and securities purchased under reverse repunchase 1,885 250 500 615 112 ecurities available for sale (at tair value) Securities held to matuity Loans held for sale ILHFS Loans held for investment (LHF Less allowance for loan losses. LHF Net LHFI oquired loans 2.374,567 2.345 4222356.682 2238 6352.007 49 170,685 1,187818 1,158 643 1056486 1023 97 80 512 160189 449 469 7.091 385 67 619 132.196 78512138 569 967 85139 1266 76.733 1 235 379 853 70237667,779948 8483 2348432750 Noncovered loans Covered loans Acquired loans Less allowance for loan losses, acquired loans Net acquired loans Net LHFI and acquined loans Premises and equipment, net Morgage servong 525.783 372.711 NA NA 272247 1.397 23,626 17,700 NA 261 517 1.992 4 294 12.059 537.350 917.203 200,781 378.419 57 438 7402 1858.040,7988750 572 543 932 78 584 94 850 79 62779627 95.656 84987 366 156 356.156 dentifiable intangible assets, net Other real estae Covered other real estane FDIC indemnification asse Other asset otal Assets 27 546 39 554 997 738 62.350 77.64 S11.197 12.250 63312 678 896 3.352 333 13797 953 3463 439 2748,635 2.998684 2.973,238 2.978 0743.004 442 949,723 580.5387082,774 7 509 438 771.35 698 358 9588.230 10056.01210 577 512 10 975 801 39 817 769 778 Intorest-bearing otal deposits Foderal funds purchased and securites sold under cepurchase agreements 43,543 41 042 274 833 Short-term bormowings 71 04 42 689 2014 Y 2015 Y 2016 Y 017Y 2018 01 YTD Source Document Currency Code (in thousands) 12/31/2015 1231/2016 123/2017332018 3/31/2018 USO USD uSO USD Cash and due from banks (noninterest-beaing) 277 75 327,706 Federal funds sold and securities purchased under reverse repunchase 1,885 250 500 615 112 ecurities available for sale (at tair value) Securities held to matuity Loans held for sale ILHFS Loans held for investment (LHF Less allowance for loan losses. LHF Net LHFI oquired loans 2.374,567 2.345 4222356.682 2238 6352.007 49 170,685 1,187818 1,158 643 1056486 1023 97 80 512 160189 449 469 7.091 385 67 619 132.196 78512138 569 967 85139 1266 76.733 1 235 379 853 70237667,779948 8483 2348432750 Noncovered loans Covered loans Acquired loans Less allowance for loan losses, acquired loans Net acquired loans Net LHFI and acquined loans Premises and equipment, net Morgage servong 525.783 372.711 NA NA 272247 1.397 23,626 17,700 NA 261 517 1.992 4 294 12.059 537.350 917.203 200,781 378.419 57 438 7402 1858.040,7988750 572 543 932 78 584 94 850 79 62779627 95.656 84987 366 156 356.156 dentifiable intangible assets, net Other real estae Covered other real estane FDIC indemnification asse Other asset otal Assets 27 546 39 554 997 738 62.350 77.64 S11.197 12.250 63312 678 896 3.352 333 13797 953 3463 439 2748,635 2.998684 2.973,238 2.978 0743.004 442 949,723 580.5387082,774 7 509 438 771.35 698 358 9588.230 10056.01210 577 512 10 975 801 39 817 769 778 Intorest-bearing otal deposits Foderal funds purchased and securites sold under cepurchase agreements 43,543 41 042 274 833 Short-term bormowings 71 04 42 689
