a Total loanstotal assets b Total assetsnet worth c Operating expensesoperating

A total loanstotal assets b total assetsnet worth c

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structure ratios, operating ratios, profitability ratios, or spread ratios. a. Total loans/total assets b. Total assets/net worth c. Operating expenses/operating income d. Net interest margin e. Burden/earning assets f. Loans to individuals/total assets g. Interest income/earning assets h. U.S. Treasury bills/total assets 4
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i. Occupancy expenses/total operating expenses j. Large negotiable CD/total liabilities k. Earnings per share l. Interest expense/interest-bearing liabilities m. Noninterest income/Noninterest expense n. Subordinated debenture/total liabilities o. Real estate loans/total assets p. Federal funds and RPs/total assets q. Service charges/total noninterest income r. Net income/total assets 7.Classify each of the following as a source, use or neither of bank funds. a. an increase in transaction deposits b. a decrease in vault cash c. a decrease in premise and equipment d. an increase in Treasury securities e. an increase in federal funds sold f. a decrease in subordinate debenture g. an increase commercial and industrial loans h. a decrease in municipal securities i. an increase in depreciation expense j. an increase in real estate loans k. a decrease in loan commitments 8.Arrange the following items into a proper income statement and determine the bank’s net profit. a. Interest paid on consumer time deposits $100,000. b. Interest paid on jumbo CDs $101,000 c. Interest received on U.S. Treasury and agency securities $44,500 d. Fees received on mortgage originations $23,000 e. Dividends paid to stockholders of $0.50 per share on 5000 shares f. Provision for losses $18,000 g. Interest and fees on loans 189,700 h. Interest paid on checking accounts $33,500 i. Interest received on municipal bonds $60,000 j. Employees’ salaries and benefits $145,000 k. Purchase of new computer system $50,000 l. Service charges receipts from customers $41,000 m.
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