Question

the following information for key biscayne national bank: (numbers in 00s)

interest income $2,450

interest expense 1,500

total assets 45,000

security gains/losses 21

total liabilities 38,000

taxes paid 16

shares of common stock outstanding 4,000

non interest income 800

noninterest expense 950

provision for loan losses 250

Calculate:

ROE

ROA

NIM net interest margin

EPS earnings per share

Net non interest margin

Net operating margin

Answer 1

Net Incone Statement. Key Biscayne National particular Interest Income. - Seanity closes and gains + Non. Interest Income. βα μας . Armouw (oo) 2450 21 800 3271 Interest Expenses. 1500 16 Tax paid Non. Interest Expenses. provision for loan losses. 950 250 Net Income. 555 Shareholders Equity 2 Total Assets Total Liability us600 - 38000 7000 2450 800 1500 Net operating Inime. Interest Income + Non. Interest Income. Interest Expenses. Non-Interest Exp. provisim for Joan Lors. Net operating Income. 950 250 550

Calculation ROE (Return on equity ) Net Income Shareholders equity 555 X100 7000 7.92 %. ROA (Return m Assets) 2 Net Income Total Assets. 555 X60 45000 1.23 7. Net Interest margin (Interest Income Interest Expenses) Total Assets. 2450 1500 2 US100 950 ATUD 4500

2.11 % Eps ( fearning per Shore) Net Income Share outstanding of Conman Share 555 to uooo 0.138 Net . Non interest margin Non-Interest Exp. Non. Interest Income Told Assels. 250 800 - 950 usooo uoo atro 43000 0.88 % Net operating margin a Net operating Income Total Assets

550 xlo 45000 1.22 7.