Classify the following ratios as liquidity ratios, earning asset ratios, financial structure ratios, operating ratios, profitability ratios, or spread ratios.

Classify the following ratios as liquidity ratios, earning asset ratios, financial structure ratios, operating ratios, profitability ratios, or spread ratios.

Total loans/total assets
Total assets/net worth
Operating expenses/operating income
Net interest margin
Burden/earning assets
Loans to individuals/total assets
Interest income/earning assets
U.S. Treasury bills/total assets
Occupancy expenses/total operating expenses
Large negotiable CD/total liabilities
Earnings per share
Interest expense/interest-bearing liabilities
Noninterest income/Noninterest expense
Subordinated debenture/total liabilities
Real estate loans/total assets
Federal funds and RPs/total assets
Service charges/total noninterest income
Net income/total assets

Classify each of the following as a source, use or neither of bank funds.

an increase in transaction deposits
a decrease in vault cash
a decrease in premise and equipment
an increase in Treasury securities
an increase in federal funds sold
a decrease in subordinate debenture
an increase commercial and industrial loans
a decrease in municipal securities
an increase in depreciation expense
an increase in real estate loans
a decrease in loan commitments

Arrange the following items into a proper income statement and determine the bank’s net profit.

Interest paid on consumer time deposits $100,000.
Interest paid on jumbo CDs $101,000
Interest received on U.S. Treasury and agency securities $44,500
Fees received on mortgage originations $23,000
Dividends paid to stockholders of $0.50 per share on 5000 shares
Provision for losses $18,000
Interest and fees on loans 189,700
Interest paid on checking accounts $33,500
Interest received on municipal bonds $60,000
Employees’ salaries and benefits $145,000
Purchase of new computer system $50,000
Service charges receipts from customers $41,000
Occupancy expense for bank building $22,000
Taxes at 34% of taxable income are paid
Trust department income equals $15,000

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