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Bank Financial Statements

Bank Financial Statements. Bank Financial Statements. Gup and Kolari: Chp. 3 Statements End Yr. 1 Qtr. 4. Balance Sheet. Income Statement. FDIC Database of Fin’l Stmts. http://www.fdic.gov/bank/statistical/index.html Click on “Institution Directory” Click on “Find Institution”

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Bank Financial Statements

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  1. Bank FinancialStatements

  2. Bank Financial Statements • Gup and Kolari: Chp. 3 • Statements End Yr. 1 Qtr. 4

  3. Balance Sheet

  4. Income Statement

  5. FDIC Database of Fin’l Stmts. • http://www.fdic.gov/bank/statistical/index.html • Click on “Institution Directory” • Click on “Find Institution” • EDGARSCAN…… http://edgarscan.pwcglobal.com/servlets/edgarscan • Benchmarking Assistant

  6. First off…. • Let’s understand what we’ve been given before we even think about where we’re going….. • Let’s concentrate on the statement in your packet: Yr. 1 Qtr. 4

  7. Income Statement Y1Q4

  8. Income Statement Y1Q4

  9. Income Statement Y1Q4

  10. Balance Sheet

  11. Balance Sheet

  12. Balance Sheet

  13. Balance Sheet

  14. Analysis #1: Spread • Spread = NII / Assets * 4 (Roughly) • NII = 106.040 – 58.905 = 47.135 (Net Interest Income =Total Interest Income – Total Interest Expense) • Spread = 47.135 / 4897.419 * 4 = 3.84%

  15. Observations about Y1Q4 • Interest income up, but expenses up more so overall net was down from Y1Q3. • Quick review shows Fed Fund sales (income) became Fed Fund borrowing (expense), although there was added income from securities investment.

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