. The financial statements for BSW National Bank (BSWNB) are shown below: Earning assets: $13,884Interest-bearing liabilities (Spread) = $9,012Calculate BSWNB’s asset utilization ratio.2. Calculate BSWNB’s net interest margin Balance Sheet BSW National BankAssetsLiabilities and EquityCash and dueDemandfrom banks2$936deposits$ 5,040Small timeInvestments3,100 deposits4,020Federal funds sold1,664Jumbo CDs4,680Federal fundspurchasedLoans (lessreserve for312loan lossesof 2,400)9,120Equity1,548Premises780TotalTotal assets$15,600liabilities/equity$15,600Income Statement BSW National BankInterest income$1,150Interest expense475Provision for loan losses150Noninterest income260Noninterest expense525Таxes60

A financial statement that details the amounts of cash and cash equivalents that enter and leave a…

. The financial statements for BSW National Bank (BSWNB) are shown below: Earning assets: $13,884 Interest-bearing liabilities (Spread) = $9,012 Calculate BSWNB’s asset utilization ratio. 2. Calculate BSWNB’s net interest margin

. The financial statements for BSW National Bank (BSWNB) are shown below: Earning assets: $13,884 Interest-bearing liabilities (Spread) = $9,012 Calculate BSWNB’s asset utilization ratio. 2. Calculate BSWNB’s net interest margin

FINANCIAL ACCOUNTING

10th Edition

ISBN:9781259964947

Author:Libby

Publisher:Libby

Chapter1: Financial Statements And Business Decisions

Section: Chapter Questions

Problem 1Q

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Question

. The financial statements for BSW National Bank (BSWNB) are shown below:

Earning assets: $13,884

Interest-bearing liabilities (Spread) = $9,012

Calculate BSWNB’s asset utilization ratio.

2. Calculate BSWNB’s net interest margin

Balance Sheet BSW National Bank
Assets
Liabilities and Equity
Cash and due
Demand
from banks
2$
936
deposits
$ 5,040
Small time
Investments
3,100 deposits
4,020
Federal funds sold
1,664
Jumbo CDs
4,680
Federal funds
purchased
Loans (less
reserve for
312
loan losses
of 2,400)
9,120
Equity
1,548
Premises
780
Total
Total assets
$15,600
liabilities/equity
$15,600
Income Statement BSW National Bank
Interest income
$1,150
Interest expense
475
Provision for loan losses
150
Noninterest income
260
Noninterest expense
525
Таxes
60

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