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MBA,MCS,M.phil
Devry University
Jan-2008 - Jan-2011
MBA,MCS,M.Phil
Devry University
Feb-2000 - Jan-2004
Regional Manager
Abercrombie & Fitch.
Mar-2005 - Nov-2010
Regional Manager
Abercrombie & Fitch.
Jan-2005 - Jan-2008
The following are statistics from the annual report of Dover Bank:
|
 |
2009 |
2008 |
2007 |
|
Average earning assets |
$50,000,000 Â |
$45,000,000 Â |
$43,000,000 Â |
|
Average total assets |
58,823,529 Â |
54,216,867 Â |
52,000,000 Â |
|
Income before securities  transactions |
530,000 |
453,000 |
420,000 |
|
Interest margin |
2,550,000 Â |
2,200,000 Â |
2,020,000 Â |
|
Pretax income before securities  transactions |
562,000 |
480,500 |
440,000 |
|
Provision for loan losses |
190,000 |
160,000 |
142,000 |
|
Net charge-offs |
180,000 |
162,000 |
160,000 |
|
Average equity |
4,117,600 Â |
3,524,000 Â |
3,120,000 Â |
|
Average net loans |
32,500,000 Â |
26,000,000 Â |
22,500,000 Â |
|
Average deposits |
52,500,000 Â |
42,500,000 Â |
37,857,000 Â |
Required
a. Calculate the following for 2009, 2008, and 2007:
1. Earning assets to total assets
2. Interest margin to average earning assets
3. Loan loss coverage ratio
4. Equity to total assets
5. Deposits times capital
6. Loans to deposits
b. Comment on trends found in the ratios computed in (a)
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