Collect the financial data for five years on a bank of your choice and conduct the following evaluations using the key banking ratios as follows:

1. Key Profitability Ratios: Return on Equity Return on Assets Net Interest Margin Net Non-Interest Margin Net Operating Margin Earnings per Share

2. Performance Evaluation Ratios: Credit Risk, Nonperforming loans/Total loans and leases, Net charge-offs of loans/ Total loans and leases, Annual provision for loan losses/Total loans and leases or total equity, Allowance for loan losses/total loans and leases or relative to equity capital, Nonperforming loans/Equity capital, Liquidity Risk Purchased funds/Total assets, Cash and due from balances held at other depository institutions/Total assets, Cash assets and government securities/Total Assets, Market Risk Book value of assets/Market value of equity, Market value of bonds and other fixed-income assets/The value of as recorded in the financial institution’s books

3. Explain the following bank risks as they relate to your bank. Interest Rate Risk, Operational Risk, Legal and Compliance Risk, Reputation Risk, Strategic Risk, Capital Risk

4. Include other factors you believe impacted the performance of your bank. Pay attention to the loan loss provisions.