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11 terms

Banking

Formulas
STUDY
PLAY
ROE
ROE = ROA * Equity Multiplier
ROA
ROA = Net Income / Total Assets
Equity Multiplier
Equity Multiplier = Total Assets / Equity
Net Interest Margin
Net Interest Margin = (Int. Income - Int. Expense) / Total Assets
Net Non Interest Margin
Net Non Interest Margin = (Non Int. Income - Non Int. Expense) / Total Assets
New Operations Margin
Net Operations Margin = (Total Oper. Rev - Total Oper. Expense - PLLL) / Total Assets
Earnings Per Share
EPS = Net Income / Common Equity Share Outstanding
Earnings Spread
Earnings Spread = (Total int. Income/ Total earning assets) - (total int exp/ total int. bearing liabilities)
Net Profit Margin
Net Profit Margin = net Income / total operating income
Dollar Interest Sensitive Gap
IS Gap = Interest Sens Assets - Int. Sensitive Liab.
Relative Interest Sensitive Gap
Rel. Int. Sensitive = (Dollar int. sens. GAP) / Bank Size