757.000 991.000 38000 330.000 1.670.000 796.000 60.000 87000 102 000 USE THIS FINANCIAL DATA TO ANSWER THE FOLLOWING QUESTIONS Assets Liabilities CASH DEPOSITS Vault cash 312,000 Demand deposits Reserve Deposits 273,000 Savings Accounts Cash items in process of collection 265,000 MONEYMARKETS CD (rotal 250,000) Treasury Bonds -Short-term 135,000 BORROWINGS - Long term 277.000 FDFUNDS Revenue Bonds CAPITAL NOTES -Short-term 37.000 SUBOFONATED DEBT - Long term 94,000 Corporate Bonds -Short-term 7.500 - Long term 13,500 EQUITY Common Shock LOANS Preferred Stocks Commercial Loans Retained Eamings - Variable Rate 517,000 - Fixed Rate Short-term 377,000 Long term 1,065,000 Real Estate Loans - Fixed Rate Short-term 95,000 Long term 761,000 NOORESTABE DATA Individual Loans INTEREST INCOME -Variable Rate 53,000 NONNTEREST INCOME - Fixed Rate NTERESTEXNEES Short-term 64,000 NONNIERESTESENSES Long term 413,000 PROVISON FORLOAN LOSSES GROSS LOANSANDLEASES 3,345,000 TAX RATE RESERVEFORLOANSANDLEASES 43,000 NETLOANS ANDLEASES 3,302.000 136.000 84000 135.000 323.000 158.000 138.000 175.000 35.000 20% REQUIRED: 1. PREPARE THE INCOME STATEMENT (6 POINTS) 2. COMPUTE ROA, ROE, YIELD ON EARNING ASSETS, COST INTEREST BEARING LIABILITIES, EQUITY MULTIPLIER ASSETS UTILIZATION, PROFIT MARGIN, NET INTEREST MARGIN, SPREAD AND OVERHEAD EFFICIENCY (3 POINTS EACH ANSWER) 3. COMPUTE INTEREST RATE SENSITIVE ASSETS, INTEREST RATE LIABILITIES, DOLLAR GAP, INTEREST RATE SENSITIVITY RATIO (12 POINTS) 4. COMPUTE Risk Weighted Assets, TIER 1, TIER 2, Common equity Tier 1 RBC ratio, Tier I RBC Ratio, Total RBC ratio and Tier ! leverage ratio (22 POINTS) 5. CLASSIFY THE BANK CAPITAL (2 POINTS)