1. Complete the Bank Financial Analysis Table. (Partially completed already)
2. Summerize how the Bank performed compared to the peer group.
|
Bank
|
Peer Group
|
Bank Compared to Peer Group
(B=Better; W=Worse; S=Same)
|
|
Capital Adequacy
|
|
|
|
|
105-Equity capital to assets
|
12.32%
|
11.58%
|
|
|
106-Tier 1 risk-based capital ratio
|
18.25
|
13.50
|
|
|
107-Total risk-based capital ratio
|
19.51
|
14.50
|
|
|
Asset Quality
|
|
|
|
|
99-Loss allowance to loans
|
2.80
|
1.16
|
|
|
100-Loss allowance to noncurrent loans
|
43.49
|
120.57
|
|
|
102-Noncurrent loans to loans
|
6.43
|
0.96
|
|
|
Management
|
|
|
|
|
96-Efficiency ratio
|
71.58
|
61.68
|
|
|
66/109-Salaries and employee benefits-to-Average assets
|
4.53
|
6.06
|
|
|
Earnings (profitability)
|
|
|
|
|
85-Net interest margin
|
4.76
|
3.61
|
|
|
86-Noninterest income to earnings assets
|
0.58
|
1.22
|
|
|
89-Return on assets
|
0.64
|
1.05
|
|
|
91-Return on equity
|
4.95
|
8.97
|
|
|
Liquidity
|
|
|
|
|
(4+6+7)/17-Liquid assets- to-total deposits
|
82.56
|
79.22
|
|
|
103-Net loans and leases to deposits
|
69.75
|
87.14
|
|
|
104- Net loans and leases to core deposits
|
77.58
|
99.13
|
|
|
Sensitivity to risk
|
|
|
|
|
Price-Earnings1
|
2.82
|
4.74
|