REQUIRED:

1. PREPARE THE INCOME STATEMENT
2. COMPUTE ROA, ROE, EQUITY MULTIPLIER, ASSETS UTILIZATION, PROFIT MARGIN, NET INTEREST MARGIN, SPREAD AND OVERHEAD EFFICIENCY
3. COMPUTE DOLLAR GAP, INTEREST RATE SENSITIVITY RATIO
4. COMPUTE Common equity Tier I RBC ratio, Tier I RBC Ratio, Total RBC ratio and Tier I leverage ratio
5. CLASSIFY THE BANK CAPITAL

247,000 273,000 290,000 810,000 200,000 1,010,000 Liabilities (thousands) DEPOSITS Demand deposits 627,000 Savings Accounts 751,000 NOW Accounts 987,000 CD (retail 250,000) 743,000 TOTAL DEPOSITS 5,118,000 BORROWINGS REPO's 50,000 CAPITAL NOTES* 86,000 SUBORDINATED DEBT* 94,000 TOTAL BORROWINGS 230,000 TOTAL LIABILITIES 5,348,000 120,000 270,000 25,000 90,000 Assets(thousands) CASH Vault cash Reserve Deposits Cash items in process of collection TOTAL CASH INVESTMENTS Fed Funds Treasury Bills Treasury Bonds - Short-term - Long term Revenue Bonds - Short-term - Long term Corporate Bonds -Short-term - Long term TOTAL INVESTMENTS LOANS Commercial Loans - Variable Rate - Fixed Rate Short-term Long term Real Estate Loans - Fixed Rate Short-term Long term Individual Loans - Variable Rate - Fixed Rate Short-term Long term GROSS LOANS AND LEASES RESERVE FOR LOANS AND LEASES NET LOANS AND LEASES 5,000 13,000 1,733,000 EQUITY Common Stock Preferred Stocks Retained Earnings TOTAL EQUITY 97,000 72,000 83,000 252,000 478,000 TOTAL LIABILITIES & EQUITY 5,600,000 367,000 1,050,000 *these liabilities are not interest rate sensitive liabilities *these liabilities are interest bearing liabilities 89,000 755,000 41,000 INCOME STATEMENT DATA INTEREST INCOME NON INTEREST INCOME INTEREST EXPENSES NON INTEREST EXPENSES PROVISION FOR LOAN LOSSES 310,000 152,000 132,000 168,000 45,000 20% 63,000 399,000 3,242,000 185,000 3,057,000 TAX RATE TOTAL ASSETS 5,600,000 247,000 273,000 290,000 810,000 200,000 1,010,000 Liabilities (thousands) DEPOSITS Demand deposits 627,000 Savings Accounts 751,000 NOW Accounts 987,000 CD (retail 250,000) 743,000 TOTAL DEPOSITS 5,118,000 BORROWINGS REPO's 50,000 CAPITAL NOTES* 86,000 SUBORDINATED DEBT* 94,000 TOTAL BORROWINGS 230,000 TOTAL LIABILITIES 5,348,000 120,000 270,000 25,000 90,000 Assets(thousands) CASH Vault cash Reserve Deposits Cash items in process of collection TOTAL CASH INVESTMENTS Fed Funds Treasury Bills Treasury Bonds - Short-term - Long term Revenue Bonds - Short-term - Long term Corporate Bonds -Short-term - Long term TOTAL INVESTMENTS LOANS Commercial Loans - Variable Rate - Fixed Rate Short-term Long term Real Estate Loans - Fixed Rate Short-term Long term Individual Loans - Variable Rate - Fixed Rate Short-term Long term GROSS LOANS AND LEASES RESERVE FOR LOANS AND LEASES NET LOANS AND LEASES 5,000 13,000 1,733,000 EQUITY Common Stock Preferred Stocks Retained Earnings TOTAL EQUITY 97,000 72,000 83,000 252,000 478,000 TOTAL LIABILITIES & EQUITY 5,600,000 367,000 1,050,000 *these liabilities are not interest rate sensitive liabilities *these liabilities are interest bearing liabilities 89,000 755,000 41,000 INCOME STATEMENT DATA INTEREST INCOME NON INTEREST INCOME INTEREST EXPENSES NON INTEREST EXPENSES PROVISION FOR LOAN LOSSES 310,000 152,000 132,000 168,000 45,000 20% 63,000 399,000 3,242,000 185,000 3,057,000 TAX RATE TOTAL ASSETS 5,600,000