Sheet1Financial Analysis - Soy Capital Bank & Trust Co.2014 Actual2014 incremental changeRecalculatedInvestments127,733Net Loans215,621Earning Assets343,354Total Assets401,175Average Investments966,239Average Loans107,811Average Earning Assets171,677Average Total Assets200,588Deposits283,244Other Liabilities55,051Total Liabilities338,295Equity Capital62,880Toal Liab. & Equity401,175Average Other Liab.27,526Average Deposits141,622Average Equity31,440Net Interest Income10,129Non-Interest Income20,493Non-Interest Expense22,883Provision0Gains/ Losses0Pretax Income7,7392014ROE24.62%Equity Multiplier6.38ROA3.86%Income RatiosSpread5.05%NIM5.90%Earning Asset ratio85.59%Non-interest Income Ratio10.216%Gains0.000%Total ROA Contribution-Income15.27%Expense ratiosNon-Interest Expense Ratio11.41%Provision Ratio0.00%Provision/loans0.00%Average loans/Average assets54%Total ROA Contribution-Expenses11.41%Net ROA3.86%2014Interest Income10,841Interest Expense712Loan Interest9,423Investment Interest1,224Deposit Interest487Other Liab. Interest2252014NIM (Net Interest margin)5.90%Asset Yield6.31%Loan Proportion5.49%Investment Proportion0.71%Liability Cost0.41%Deposit Proportion0.28%Other Lia. Proportion0.13% .