Summerize how the bank performed compared to the peer group

Assignment Help Financial Management

Reference no: EM131884878

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

Reference no: EM131884878

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