this is rhe data that should be use to answer the question
Evaluate the performance of Community National Bank relative to peer banks using the data in Exhibits 3.2, 3.4, 3.7, 3.8, and 3.9. Did the bank perform above or below average in 2013 ? Did it operate with more or less relative risk? a. Conduct a return on equity decomposition analysis for 2013 , identifying where the bank's performance compared favorably and unfavorably with peer banks. b. Compare the bank's risk measures with those of peer banks. What are the implications of any significant differences? c. What recommendations would you make to adjust the bank's risk and return profile to improve its performance? EXHIBIT 3.2 2012-2013 Balance Sheet Information for PNC Bank and Community National RanL EXHIBIT 3.2 (continued) EXHIBIT 3.4 2012-2013 Income Statements of PNC Bank and Community National Bank EXHIBIT 3.4 (continued) EXHIBIT 3.7 Supplemental Operational and Loan Data for PNC Bank and Community National Bank, 2012-2013 EXHIBIT 3.8 Profitability Measures for PNC Bank and Community National Bank, 2012-2013 remeining moturity of one year or less + brokered deports ford equalis the sum of time deposits of more than 5240,000 aith a of one year or less + other botrowed money with deplts asyed in denaminstions of 3250.000 and less wish a remaining mutsify March 31, 2011 the definition uled depovits of $190.000 onder agreement to repurchaie and federal funch purchesed hior as does not include brokered deposits. Often, an analyst must dig decper into the actual credit files, the footnotes to the balance sheet, and any off-balance sheet activities to discover risk not reported on these financials. With this said, the section of this chapter titled "Financial Statement Manipulation" will discuss the analysis of reported financial statements, with the understanding that the analysis is only as accurate as the reported data. Selected risk ratios for PNC and CNB appear in Exhibit 3.9. Additional data used to calculate some of the risk ratios, including loan charge-offs, past-due loans, and noncurrent loans are taken from the supplemental data in Exhibit 3.7 and the UBPR for PNC included in this chapter's appendix. Fxhibit 3.9 lists selected risk measures categorized under the risk types introduced earlier. EXHIBIT 3.9 Risk Measures for PNC Bank and Communitv National Rank 21>3n12 EXHIBIT 3.9 (continued) SearchEngine/Default asp. Evaluate the performance of Community National Bank relative to peer banks using the data in Exhibits 3.2, 3.4, 3.7, 3.8, and 3.9. Did the bank perform above or below average in 2013 ? Did it operate with more or less relative risk? a. Conduct a return on equity decomposition analysis for 2013 , identifying where the bank's performance compared favorably and unfavorably with peer banks. b. Compare the bank's risk measures with those of peer banks. What are the implications of any significant differences? c. What recommendations would you make to adjust the bank's risk and return profile to improve its performance? EXHIBIT 3.2 2012-2013 Balance Sheet Information for PNC Bank and Community National RanL EXHIBIT 3.2 (continued) EXHIBIT 3.4 2012-2013 Income Statements of PNC Bank and Community National Bank EXHIBIT 3.4 (continued) EXHIBIT 3.7 Supplemental Operational and Loan Data for PNC Bank and Community National Bank, 2012-2013 EXHIBIT 3.8 Profitability Measures for PNC Bank and Community National Bank, 2012-2013 remeining moturity of one year or less + brokered deports ford equalis the sum of time deposits of more than 5240,000 aith a of one year or less + other botrowed money with deplts asyed in denaminstions of 3250.000 and less wish a remaining mutsify March 31, 2011 the definition uled depovits of $190.000 onder agreement to repurchaie and federal funch purchesed hior as does not include brokered deposits. Often, an analyst must dig decper into the actual credit files, the footnotes to the balance sheet, and any off-balance sheet activities to discover risk not reported on these financials. With this said, the section of this chapter titled "Financial Statement Manipulation" will discuss the analysis of reported financial statements, with the understanding that the analysis is only as accurate as the reported data. Selected risk ratios for PNC and CNB appear in Exhibit 3.9. Additional data used to calculate some of the risk ratios, including loan charge-offs, past-due loans, and noncurrent loans are taken from the supplemental data in Exhibit 3.7 and the UBPR for PNC included in this chapter's appendix. Fxhibit 3.9 lists selected risk measures categorized under the risk types introduced earlier. EXHIBIT 3.9 Risk Measures for PNC Bank and Communitv National Rank 21>3n12 EXHIBIT 3.9 (continued) SearchEngine/Default asp
