Buena Vista Savings Bank

BUENA VISTA SAVINGS BANK

To be passed to:

Ms. Lilibeth U. Celesios, CPA

Group 5:

SABUERO,HONEY LUZ ABRAGAN

SALCEDO,SHENNA JANE ANILAO

SALISE,DANICA AVILES

SIOS-E,ADAMS CHRISTOPHER PASA

TAGUD,AIREN JANE ESCABARTE

UBAS,THERESE MAE MACASPAC

VILLANUEVA,ANGELYN OMEGA

WABAN,TANYA ALYKA LOMONGO

YAÑEZ,DOROTHY JOY LANDERO

3-3

a. | | | | |   | 2000 |   |

Ratio |   |   |   |   | Buena Vista |   | Peer Group |

Return on Equity | | | | 13.15% | | 15% |

Return on Asset | | | | 0.10% | | 1.44% |

Equity Multiplier | | | | 13.7x | | 10.4x |

Profit Margin | | | | 12.90% | | 14.80% |

Sales and Benefits / Operating Revenue | | 38.47% | | 27.23% |

Occupancy / Operating Revenue | | 6.95% | | 7.94% |

Miscellaneous expenses / Operating Revenue | 4% | | 3.12% |

Asset Utilization | | | | 11.63% | | 9.70% |

b. ..

c. ..

d. ..

3-4

a. | | | | |   | 2000 |   |

Ratio |   |   |   |   | Buena Vista |   | Peer Group |

Net interest margin (EA) | | | 4.42% | | 5% |

Net interest margin (TA) | | | 4.06% | | 4.80% |

EA/TA | | | | | 1.09 | | 0.92 |

b. ..

c. ..

3-5

a. | | | | |   | 2000 |   |

Ratio |   |   |   |   | Buena Vista |   | Peer Group |

Yield on total assets | | | | 7.41% | | 8% |

Yield on earning assets | | | 8.07% | | 8.88% |

Cost rate on total funds | | | 3.36% | | 3.84% |

Cost rate on interest bearing funds | | 4.39% | | 4.79% |

Spread | | | | | 3.68% | | 5.04% |

Yield on investment securities | | |  30.94% | | 6.01% |

Yield on gross loans and leases | | 11.65% | | 9.10% |

Cost rate on transaction deposits | |  10.64% | | 3.23% |

Cost rate on T&D deposits | | | 6.61% | | 4.42% |

Cost rate on CD>100M | | |  44.49% | | 5.28% |

The Earning assets/Total assets ratio shows how well bank management puts bank assets to work. It tells about the bank management’s efficiency to utilize the assets to get...