Paintbrush Valley State Bank has just submitted its Report of Condition and Report of Income to its principal supervisory agency. The bank reported net income before taxes and securities transactions of $37 million and taxes of $8 million. If its total operating revenues were $950 million, its total assets $2.7 billion, and its equity capital $250 million, determine the following for Paintbrush Valley: Tax management efficiency ratio. Expense control efficiency ratio. Asset management efficiency ratio. Funds management efficiency r

Essentials Of Investments
11th Edition
ISBN:9781260013924
Author:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
Publisher:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
Chapter1: Investments: Background And Issues
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Paintbrush Valley State Bank has just submitted its Report of Condition and Report of Income to its principal supervisory agency. The bank reported net income before taxes and securities transactions of $37 million and taxes of $8 million. If its total operating revenues were $950 million, its total assets $2.7 billion, and its equity capital $250 million, determine the following for Paintbrush Valley:

  1. Tax management efficiency ratio.
  2. Expense control efficiency ratio.
  3. Asset management efficiency ratio.
  4. Funds management efficiency ratio.
  5. ROE.

Alternative Scenarios:

  1. Suppose Paintbrush Valley State Bank experienced a 20 percent rise in net before-tax income, with its tax obligation, operating revenues, assets, and equity unchanged. What would happen to ROE and its components?

 

  1. If total assets climb by 20 percent, what will happen to Paintbrush’s efficiency ratio and ROE?

 

  1. What effect would a 20 percent higher level of equity capital have upon Paintbrush’s ROE and its components?

 

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