a. Prepare a horizontal common-size analysis for 2008, 2007, and 2006 for the following items from..

 
   

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a. Prepare a horizontal common-size analysis for 2008, 2007, and 2006 for the following items from the Consolidated Statements of Operations (use 2006 as the base).1. Total interest income2. Total interest expense3. Provision for credit losses4. Total fees an other income5. Total general and administrative6. Total other expenses7. Net (loss)/incomeb. Comment on the trends indicated in (a).c. Using Note 7—Loans, comment on the following:1. Total charge-offs2. Charge-offs, net of recoveries3. Allowance for loan losses balance, end of period4. Total impaired loans5. Allowance for impaired loans6. Total non-accrued loans7. Total loans past due 90 days as to interest or principal and accruing interestd. Compute the following for 2008 and 2007 (use ending balance sheet accounts):1. Earning assets to total assets2. Interest margin to average earning assets (use end of year earning assets)3. Loan loss coverage ratio4. Equity to total assets (use year-end numbers)5. Deposits times capital (use year-end numbers)6. Loans to deposits (use year-end numbers)e. Comment on the trends indicated by the ratios computed in (d).View Solution:
a Prepare a horizontal common size analysis for 2008 2007 and