Can someone please help with these?
High Plains Bank NIM Analysis Page 01 Margin Analysis 3/31/21 Bank 3/31/21 PG 7 3/31/20 Bank 3/31/20 PG 7 % Average Assets Ave Earning Assets Ave Int. Bearing Funds 86.3 61.92 93.74 67.16 95.27 56.44 93.93 69.35 % Net Loans & Leases 76.85 57.5 70.48 65.07 NIM as a % of Earning Assets Interest Income Interest Expense NIM using earning assets 7.18 0.44 6.74 3.98 0.40 3.58 5.46 0.54 4.92 4.64 0.75 3.89 Asset Mix Page 06 3/31/21 Bank 76.73 12.9 3/31/21 PG 7 58.53 2.42 3/31/20 Bank 73.14 2.25 3/31/20 PG 7 65.41 2.25 Net Loans & Leases Cash & Due from Banks Int. Bearing Balance Fed Funds Sold Securities Premises & Fixed Assets Other Real Estate Owned Acceptances & Other Assets Total Non-earning Assets 4.33 0.00 2.22 1.13 0.00 2.12 16.16 9.6 2.28 18.30 1.49 0.06 2.52 6.75 12.16 2.92 5.15 1.38 0.00 2.20 5.83 5.89 1.47 17.33 1.72 0.10 2.84 7.14 Asset/Rate Mix Effects 1. Asset Mix: Looking at differences in asset mix and differences in Loan Mix, explain how these differences help to explain differences in the Bank's IR% versus the PG7 and how it affected changes in the Bank's IR% in 2021. 2. Asset Rates: Looking at differences in loan rates, explain how these differences help to explain why the Bank's IR% is different from the PG7 and how it affected changes in the Bank's 1R% in 2021. 3. Liability Mix: Looking at differences in liability mix, explain how these differences help to explain differences in the Bank's 18% versus the PG7 and how it affected changes in the Bank's 18% in 2021. 4. Liability Rates: Looking at differences in liability rates, explain how these differences help to explain differences in the Bank's IE% versus the PG7 and how it affected changes in the Bank's IE% in 2021. High Plains Bank NIM Analysis Page 01 Margin Analysis 3/31/21 Bank 3/31/21 PG 7 3/31/20 Bank 3/31/20 PG 7 % Average Assets Ave Earning Assets Ave Int. Bearing Funds 86.3 61.92 93.74 67.16 95.27 56.44 93.93 69.35 % Net Loans & Leases 76.85 57.5 70.48 65.07 NIM as a % of Earning Assets Interest Income Interest Expense NIM using earning assets 7.18 0.44 6.74 3.98 0.40 3.58 5.46 0.54 4.92 4.64 0.75 3.89 Asset Mix Page 06 3/31/21 Bank 76.73 12.9 3/31/21 PG 7 58.53 2.42 3/31/20 Bank 73.14 2.25 3/31/20 PG 7 65.41 2.25 Net Loans & Leases Cash & Due from Banks Int. Bearing Balance Fed Funds Sold Securities Premises & Fixed Assets Other Real Estate Owned Acceptances & Other Assets Total Non-earning Assets 4.33 0.00 2.22 1.13 0.00 2.12 16.16 9.6 2.28 18.30 1.49 0.06 2.52 6.75 12.16 2.92 5.15 1.38 0.00 2.20 5.83 5.89 1.47 17.33 1.72 0.10 2.84 7.14 Asset/Rate Mix Effects 1. Asset Mix: Looking at differences in asset mix and differences in Loan Mix, explain how these differences help to explain differences in the Bank's IR% versus the PG7 and how it affected changes in the Bank's IR% in 2021. 2. Asset Rates: Looking at differences in loan rates, explain how these differences help to explain why the Bank's IR% is different from the PG7 and how it affected changes in the Bank's 1R% in 2021. 3. Liability Mix: Looking at differences in liability mix, explain how these differences help to explain differences in the Bank's 18% versus the PG7 and how it affected changes in the Bank's 18% in 2021. 4. Liability Rates: Looking at differences in liability rates, explain how these differences help to explain differences in the Bank's IE% versus the PG7 and how it affected changes in the Bank's IE% in 2021
