Understanding of a Bank’s financial Statements

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    The overall intent of the Paper is to understand a Banks financial statement, its position in the market place and how the Bank compares to its piers. The Banks total assets should not be more than $2B.

    1. Using Charles Schwab Bank, SSB

    Items that must be covered:
        Identify the type of Bank – Charles Schwab Bank, SSB
        Which regulatory agency governs them
        What is the Banks focus (i.e. Commercial, deposit only ..)
        Calculate and show work by attaching exhibits
    o    ROE
    o    ROA
    o    Net Interest Margin
    o    Net Noninterest Margin
    o    Net Operating Margin
        Show, at a minimum, two competing Banks financial statements for comparisons via exhibit
        Discuss how the Bank compares, two strength and two weaknesses, in relationship to the competing Banks (i.e. Net Interest Margin is a strength due to .)
    Paper will be graded on the following criteria:
        All components completed
        Accuracy of content
        Format was easy to follow
        Analysis competent
    Websites that could help in both your research and bank comparison:
        www.ffiec.gov
        http://research.fdic.gov/bankfind

    See attached PDF “Sample Paper 1” for an example of the formatting.

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