Interest and Fees on Loans $$50$

Interest Dividends on Securities $$6$

Total Interest Income $$56$

Interest Paid on Deposits $$40$

Interest on Non$-$deposit Borrowings $$6$

Total Interest Expense $$46$

Net Interest Income $$10$

Provision for Loan Losses $$5$

Noninterest Income and Fees $$20$

Noninterest Expenses:

Salaries and Employee Benefits $$10$

Overhead Expenses $$5$

Other Noninterest Expenses $$2$

Total Noninterest Expenses $$17$

Pretax operating income $$8$

Securities Gains $($or Losses$)$ $$2$

Pretax net operating income $$10$

Taxes $$2$

Net Operating Income $$8$

Net Extraordinary items $(-$$$1)$

Net Income $$7$

Report of Condition

Assets Liabilities

Cash and Deposits due from banks $$100$ Demand deposits $$190$

Investment Securities $$150$ Savings deposits $$180$

Federal Funds Sold $$10$ Time deposits $$470$

Net Loans $$700$ Federal funds purchased $$80$

$($Allowance for loan losses $=25)$ Total liabilities $$920$

$($Unearned income on loans $=5)$ Equity Capital

Net Fixed Assets $$50$ Common stock $$20$

Total Assets $$1,010$ Surplus $$35$

Retained earnings $$35$

Total capital $$90$

Total earning assets $$860$ Interest bearing deposits $$650$

Show your work and find below ratios using above information from Income statement and balance sheet:

Ratios

ROE

ROA

Net interest margin

Asset utilization

Equity multiplier

Asset management efficiency

Funds management efficiency