Statement Analysis 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

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