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ROE = ROA * Equity Multiplier


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

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