Please find attached for Isabella bank. Solution for Ratios and Discussion on what to include section. hoose one of the following banks to analyze their Financial Statements: 1) Chemical Bank-Use 2016 and 2015 Year End 2) Isabella Bank-Use 2016 and 2015 Year End 3) Independent Bank-Use 2016 and 2015 Year End Use the following rations: 1) ROE 2) ROA 3) Equity Multiplier 4) Profit Margin 5) Asset Utilization 6) Net Interest Margin 7) Spread 8) Overhead Efficiency What to include: Show the ratios you calculated for 2016 and 2015(Chemical Bank, Independent Bank, or Isabella Bank .Based on what the ratio analysis is telling you write a few paragraphs on what your assumptions are about the bank you chose and how well it is doing Use the information in Chapter 12 to help you determine how well the bank is doing Also include the change in Net Income and Loan Loss Reserves and comment on your bank's deposit growth. Please find attached for Isabella bank. Solution for Ratios and Discussion on what to include section. hoose one of the following banks to analyze their Financial Statements: 1) Chemical Bank-Use 2016 and 2015 Year End 2) Isabella Bank-Use 2016 and 2015 Year End 3) Independent Bank-Use 2016 and 2015 Year End Use the following rations: 1) ROE 2) ROA 3) Equity Multiplier 4) Profit Margin 5) Asset Utilization 6) Net Interest Margin 7) Spread 8) Overhead Efficiency What to include: Show the ratios you calculated for 2016 and 2015(Chemical Bank, Independent Bank, or Isabella Bank .Based on what the ratio analysis is telling you write a few paragraphs on what your assumptions are about the bank you chose and how well it is doing Use the information in Chapter 12 to help you determine how well the bank is doing Also include the change in Net Income and Loan Loss Reserves and comment on your bank's deposit growth