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Homework_assignments - in you analysis You are to give a...

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Finance 653 Fall 2010 Homework assignments You are to analyze and assess the bank’s earnings and liquidity by using the bank’s financial information from the Uniform Bank Performance Report (UBPR) from www.ffiec.gov . Earnings (15% of course grade): Analyze how well Wells Fargo is doing in its most recent quarter. Your analysis should include, but is not limited to, historical trend, peer group comparison, dollar amount(s), ratio comparison. Interest income section – You are required to use the MLR/CVR model to analyze the bank’s interest income, interest expense, and net interest income. You are to identify the major factor(s) “MLR factors” that may have caused changes in the bank’s net interest income. In the non-interest income & expense section, you are to analyze the major sources of income (are they sustainable); you are to identify and analyze the major expenses. You should use at least three to four expense ratios for your analysis. In addition, you must use the EFFICIENT RATIO
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Unformatted text preview: in you analysis. You are to give a letter grade (A, B, C, D, F) to the bank’s earnings performance based on your analysis. Material to be turned in – the MLR model with the appropriate figures and ratios, your written analysis, at least one to one and one-half page long, not including tables, charts, graphs, etc. Any information you deem appropriate (outside sources, graphs, charts, etc.) Liquidity (15% of course grade): Analysis how well Wells Fargo is managing the bank’s liquidity position. Remember that there is a trade-off between liquidity and profitability. Analyze its liquidity position vs. historical trend, dollar amounts, ratios, etc. Ratios and dollar amounts to review should include, but are not limited to, investments, types of loans, core deposits, non core deposit, borrowings, other obligations, etc. You are to give a letter grade to the bank’s liquidity management (not just position) based on you analysis....
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