Finance Assignment | Professional Writing
December 31, 2019 December 31, 2018 • CALCULATE ALL AND SHOW WORK • (a) Profitability: 721,670 45093 33.927 . (1) Basic Spread (Difference between Average Loan Interest Rates and Average Deposit Interest Rates) 730.268 66,913 55,866 71.884 1,186 • (2) Return on Assets (Net Income over Total Assets) 545.246 5.227 544,191 5,176 • (3) Return on Capital (Net Income over Capital) 22,537 1356 18,190 1,356 • (b) Risk Management: (4) Capitalization Ratio (Capital to Total Assets) 321 670 651.288 622,737 198.663 622.737 79424 27,717 720,269 666.58 635901 S12.062 615,901 72.344 • (5) Gap Analysis-(sensitivity of profits to changes in interest rates) (6) Liquidity Management (Reserves to Total Deposits) 21 819 23,780 • (7) Credit Loss Experience (Charge-Offs as a percentage of Capital) O 6802 70,312 701.312 7,177 63,410 63,410 Assets and Liabilities 1
Total employees (full-time quivalent) 2 Total assets 3 Cxxx de funduntury institutions 4 Ironst-bearing balance 5 Securities 6 Federal funds sold & reverse reparehase agreements 7 Netanses 8 Lun on wllowance 9 Trading count a ts 10 Bank premises and fixed assets 11 Other real estate owned 12 Goodwill w ater intangibles 13 All other 14 Totul liubilities and capital 15 Total liabilities 16 Tocal deposits 17 Interest-scoring deposits 18 Deposits held in domestic officers 19 insured 20 Tederal funds purchased & repurchase agreements 21 Trading liabilities 22 Other horrowed funds 23 Subordinated det 24 All other liabilities 25 Total equity capital 26 Total bank equity capital 27 Perpetual preferred stock 28 Cammon stock 29 Surplus 20 Undivided profits 31 Noncontrolling interests in consolidated subsidiaries Memoranda: 32 Noncurrent loans and leases 33 Nuncurrent loses that are wholly or partially guaranted by the U.S. Bomment 34 Inputs and, not collected us luns 35
Darning assets 36 Long term assets (5+ years) 27 Average Assets, year-to-date 38 Avenape Ana, quarterly 39 talk with us 10 Adjustod average assets for loverage capital purposes 4. Life insurance assets 42 General count life insurance assets 43 Separato account life insurance assets 44 Hybrid life insurance assets 15 Volatile liabilities 46 Insider loans 47 FHL B advances 481.nans and lenses held for sale 49 Unused luan murits SO Tier 1 (pure) rik-based capital 5. Tier 2 risk based capital 52 Totalamused commitments 2.000 1.300 67.12 2,000 1,300 60,110 3,220 2625 2.194 1984 659283 297.392 718.075 723,723 547 2012 732.140 13.961 13,061 1,942 671.958 279,208 675.040 6929.790 $39,180 682,935 13,595 13,595 17.193 39719 16.695 31,412 3,806 23,780 97.192 68 863 5.227 97.192 78,474 61,119 5,176 78.474
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