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Select a bank & pull its UBPR from:https://cdr.ffiec.gov/Public/ManageFacsimiles.aspx?ReportType=283Using the data you find in this report calculate and interpret the following 11 ratios -1 ROE2 ROA3 Equity multiplier4 Profit margin5 Asset utilization6 Net interest margin7 Spread8 Overhead efficiency 9 Interest expense ratio10 Provision for loan loss ratio11 Noninterest expense ratioI posted two spreadsheets on canvas in the modules section with the financials & ratios for Bank of America & Heartland Bank, you can find them here -Open either spreadsheet & on the first tab (12.1 – 12.7 exhibits) you will find the financials & the calculated ratios, use this page to help with the calculations you will make. Examine the trend over time for the bank. Feel free to compare your bank to Bank of America or Heartland Bank. Put the ratios in a table & comment on the trends over time — is your bank becoming more or less profitable? Does risk appear to be increasing or decreasing? Are they becoming more or less efficient? Plan on 1/2 page for the ratios & a 1.5 – 2 page summary. Then search for recent articles on your bank & comment on how the pandemic is impacting the financial performance of your bank. Write a page or two on what you find.

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