Evaluate Heritage's capital and credit using the ratios provided on the Tables below. Include in your analysis for credit risk the mix of Heritage Bank's loans shown below. Evaluate trends and compare these to the PG3. How does Heritage compare to the PG3 on respectively capital and credit risk? Cite specific ratios in your analysis.
Asset Mix and Loan Mix for Heritage Bank % of average earning assets:
Correct Answer:
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Q2: Examine the trends in the NIM and
Q3: Do a Dupont Analysis where ROA =
Q4: Burden Analysis: Analyze the trends and compare
Q5: Net Interest Margin Analysis: Evaluate rends difference
Q6: Analyze the Liability Mix and Rate
Q8: Analyze the Liquidity Risk of Heritage Bank
Q9: Conclusion: Summarize Heritage's weaknesses and strengths from
Q10: If a bank has an ROA of
Q11: The Board of Directors of the 1st
Q12: Excess reserves held by banks with the
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