Input data for your bank and peer group (blue values):

From UBPR - Summary Ratios (Page 3)

Interest Income (TE)
Interest Expense
Noninterest income
Noninterest expense
Provision: Loan & lease losses
Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Income
Avg Earning Assets to Avg Assets
Avg Int-Bearing Funds to Avg Assets
From UBPR - Non Int Inc, Exp, Yields (Page 3)
Personnel Expense
Occupancy Expense
Other Oper Exp (Incl Intangibles)

From UBPR - Balance Sheet % (Page 6)

Total Bank Capital & Min Int

Bank Data
Peer Group Data
2009
2010
2010
2009
2.82%
2.82%
2.82%
2.82%
0.50%
0.50%
0.50%
0.50%
1.73%
1.73%
1.73%
1.73%
2.46%
2.46%
2.46%
2.46%
0.88%
0.88%
0.88%
0.88%
0.11%
0.11%
0.11%
0.11%
0.82%
0.82%
0.82%
0.82%
0.59%
0.59%
0.59%
0.59%
85.80% 85.80% 85.80% 85.80%
77.21% 77.21% 77.21% 77.21%

1.17%
0.32%
0.97%

1.17%
0.32%
0.97%

1.17%
0.32%
0.97%

1.17%
0.32%
0.97%

11.47%

11.47%

11.47%

11.47%

Ratios Needed for Project (calculated for you)

Return on Equity
Equity Multiplier
Return on Assets
Asset Utilization
Profit Margin
Total Expense Ratio

2009
5.14%
8.718
0.59%
4.66%
12.66%
4.07%

2010
5.14%
8.718
0.59%
4.66%
12.66%
4.07%

2010
5.14%
8.718
0.59%
4.66%
12.66%
4.07%

2009
5.14%
8.718
0.59%
4.66%
12.66%
4.07%

Interest Income to Total Assets

Yield on Earning Assets
Earning Assets to Total Assets

2.82%
3.29%
85.80%

2.82%
3.29%
85.80%

2.82%
3.29%
85.80%

2.82%
3.29%
85.80%

1.73%
0.11%

1.73%
0.11%

1.73%
0.11%

1.73%
0.11%

0.50%
0.65%
77.21%

0.50%
0.65%
77.21%

0.50%
0.65%
77.21%

0.50%
0.65%
77.21%

2.46%

2.46%

2.46%

2.46%

Non Interest Income to Total Assets

Gains/Losses on Secs to Total Assets
Interest Expense to Total Assets
Cost Rate on Interest Bearning Liabilities
Int Bearing Liab to Total Assets
Non Interest Expense

Personnel Expense
Occupancy Expense
Other Non-Interest Expense

1.17%
0.32%
0.97%

1.17%
0.32%
0.97%

1.17%
0.32%
0.97%

1.17%
0.32%
0.97%

Provision for Loan Losses

Taxes

0.88%
0.23%

0.88%
0.23%

0.88%
0.23%

0.88%
0.23%

Net Interest Margin

Interest Income to Earning Assets
Interest Expense to Earning Assets

2.70%
3.29%
0.58%

2.70%
3.29%
0.58%

2.70%
3.29%
0.58%

2.70%
3.29%
0.58%

Burden to TA
Non Int Exp to TA
Non Int Inc to TA

0.73%
2.46%
1.73%

0.73%
2.46%
1.73%

0.73%
2.46%
1.73%

0.73%
2.46%
1.73%