Evaluating Bank Performance-Problem Two Given the following information for CLA Bank, knowing that this is the overall financial data and any missing data refer to a zero account. Also, all the investments account in the assets section are considered to be short term with maturity less than one year. Answer questions 1 to 4 below: choose the most Accurate choice Balance sheet for CLA Bank (2019) (in thousand USD) Assets Liabillites & Equities Cash due from Banks 21,893 Demand deposits Investments 299,975 Time deposits Fed Funds sold O Fed funds purchased Loans 4,818,837 Fixed Assets 4,749,990 Equity Total Assets 9,890,695 Total Labilites and equities 3,098,445 1,985, 130 368,393 4,438,727 19,890,695 . Tax rate=30% Interest on loans = 10 % Interest on investment =9% Interest on time deposit = 6% Interest on federal funds purchased -5% No interest on demand deposits Overhead expenses =$ 76,200 Average earning assets are equal to 80% of total assets . 1. The net margin(NIM) ratio is approximately equal to: * 4.22% 4.69% 3. Which of the following is most true about CLA Bank* Around 75% of TA are financed with equity. The other 25% are financed with debt Around 44.87% of TA are financed with debt. The other 55.13% are financed with equity Around 75% of TA are financed with debt. The other 25% are financed with equity. Around 44.87% of TA are financed with equity. The other 55.13% are financed with debt. None of the above 4. If CMA Bank, a competitive bank for CLA, has a temporary investment ratio for 5.25 %, then which of the following statement is most true. * The temporary investment ratio for CLA Bank is 3.07% indicating higher liquidity than CMA Bank. The temporary investment ratio for CLA bank is 2.03% indicating lower liquidity than CMA Bank. The temporary investment ratio for CLA O bank is 1.34% indicating similar liquidity as CMA Bank. 1. The net margin(NIM) ratio is approximately equal to: * 4.22% 4.69% 5.21% 5.61% None of the above 2. The return on equity ratio (ROE) is nearest to: * 5.66% O 4.65% 3.58% 1.99% None of the above