Question
Please fill in the blanks Part 1: Balance Sheet and Income Statement A) Balance sheet Assets Liabilities and Cash and due from banks $8,000 Demand
Please fill in the blanks | |||
Part 1: Balance Sheet and Income Statement | |||
A) Balance sheet | |||
Assets | Liabilities and | ||
Cash and due from banks | $8,000 | Demand deposits | |
Repurchase agreements | $14,000 | NOW accounts | |
Other investment securities | $34,050 | Retail CDs | |
Loans | $70,500 | Debentures | |
Fixed assets | $9,250 | Total liabilities | |
Other assets | $4,200 | Common stock | |
Total assets | Paid-in capital | ||
Retained earnings | |||
Total liabilities and equity | |||
B) Income Statement | |||
Interest on fees and loans | $7,000 | ||
Interest on repurchase agreements | $150 | ||
Interest on other investment securities | $1,700 | ||
Interest on deposits in banks | $50 | ||
Total interest income | |||
Interest on deposits | $3,000 | ||
Interest on debentures | $1,150 | ||
Total interest expense | |||
Net interest income | |||
Provision for loan losses | $225 | ||
Noninterest income | $975 | ||
Noninterest expenses | $1,700 | ||
Income before taxes | -$950 | ||
Taxes | $1,200 | ||
Net income | |||
Part 2: Statement Analysis | |||
C) Return on equity | |||
Net income | Total equity capital | ROE | |
D) Return on assets | |||
Net income | Total assets | ROA | |
E) Equity multiplier | |||
Total assets | Total equity capital | EM | |
F) Profit margin | |||
Net income | Total operating income | PM | |
G) Asset utilization | |||
Total operating income | Total assets | AU | |
H) Interest expense ratio | |||
Interest expense | Total operating income | Interest expense ratio | |
I) Provision for loan loss ratio | |||
Provision for loan loss | Total operating income | Provision for loan loss ratio | |
J) Noninterest expense ratio | |||
Noninterest expense | Total operating income | Noninterest expense ratio | |
K) Tax ratio | |||
Income taxes | Total operating income | Tax ratio | |
L) Overhead efficiency | |||
Noninterest income | Noninterest expense | Overhead efficiency | |
Part 1: Balance Sheet and Income Statement A) Calculate the Total assets, Total liabilities, and Total liabilities and equity (5 points) B) Calculate the Total interest income, Total interest expense, Net interest income, and Net income (5 points) Part 2: Statement Analysis C) Calculate the return on equity D) Calculate the return on assets E) Calculate the equity multiplier F) Calculate the profit margin G) Calculate the asset utilization H) Calculate the interest expense ratio I) Calculate the provision for loan loss ratio J) Calculate the noninterest expense ratio K) Calculate the tax ratio L) Calculate the overhead efficiency ratio |
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