Independent Bank – Use 2016 and 2015 Year End (the financial statement is on the Yahoo Finance)
Use the following rations:
ROE
ROA
Equity Multiplier
Profit Margin
Asset Utilization
Net Interest Margin
Spread
Overhead Efficiency
What to include:
Show the ratios you calculated for 2016 and 2015 Chemical Bank
Based on what the ratio analysis is telling you write a few paragraphs on what your assumptions are about the bank you chose and how well it is doing
determine how well the bank is doing
Also include the change in Net Income and Loan Loss Reserves and comment on your bank’s deposit growth.