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Take the Balance Sheets and Income Statements for the quarters shown for the bank below and compute the ratios in A-H.-- annualize where appropriate.
Take the Balance Sheets and Income Statements for the quarters shown for the bank below and compute the ratios in A-H.-- annualize where appropriate. (With the exception of Net Income and the breakout of Net non-interest expense, none of the items contains or overlaps with any other item.) A. ROE B. ROA C. Asset to Equity ratio D. Net Interest Margin E. Net Non-Interest Margin (NNIM) or Net Burden/EA Net non-interest expense total non interest expense - non interest revenue (also called the "Net Burden" or just the Burden) F. Efficiency Ratio = Non-Interest Expense/(NII + Non-Interest Revenue) G. Loan Loss Provision/Earning Assets H. Non-Earning Assets/Total Assets (hint: the opposite of earning assets is ...?) Income Statements for: Net Interest Income 30 2020 30 2021 13.7 11.7 Net Non-Interest Expense 5.6 5.1 Non-Interest Rev. 10.0 9.0 Non-Interest Exp. 15.6 14.1 Loan Loss Provision 0.6 -0.1 Securities Gains -0.02 -0.04 Taxes 2.13 1.11 Net Income 5.35 5.55 Balance Sheets (as of Sept. 30) Cash 25 18 Securities 500 400 Loans (net) 1324 1162 Building 22 20 Other Assets 129 121 Total Assets 2000 1721 Stockholders' Equity 258 228
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