0412-312 – Midterm – Fall 2025

Noninterest inconle and fees Interest and fees on loans Overhead ex ense Income from investment 225 4225 15 58 Salaries and em 10 ee benefit Interest paid on n on-deposit borrowin s De reciation Advertisement and romotion 725 1320 85 15 (CL02, L-4) Analyze the following ratios with appropriate explanatiOllS• a. Return on Equity. c. Net interest Margin. e. Net operating margin. g. Asset utilization. i. Non interest margin. b. Return on Assets, d. Earnings spread. f. Net profit margin h. Equity multiplier, j. Earnings Per Share.