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FIN 470 FINAL BANK PROJECT WITH STOCK-TRAK (BANK ANALYSIS)

Generate (or find) the following (find the most up-to-date year-end financials for 3 years):

1. Income Statement (also include their most recent quarterly report)

2. Balance sheet

3. Cash flow statement

4. A pie chart describing the sources and usages of funds.

Identify all of the following for the bank:

1. Loan loss reserve

2. Noninterest Income

3. Noninterest expenses

4. ROA

5. ROE

6. Net interest margin

Answer the following:

1. Discuss the information you found from above.

2. What do you think the bank’s biggest strengths and weaknesses are?

3. Does the bank use any derivatives that we discussed in chapters 13-14? How do they use them? A lot has been said about derivatives hurting bank value, has this been the case for this bank?

4. Compare the bank to some of its competitors and discuss how you feel the bank is doing in terms of its closest competition. Make sure to measure this in financial and numerical terms as well.

5. What ethical issues do you think the bank might have to deal with?

6. Feel free to discuss any other aspects of the bank you feel are interesting.

7. If you were a financial analyst for an investment bank what would you recommendation be on the stock of the bank, buy, sell, or hold?

Important Notes on the project:

*The project findings will be presented in a PowerPoint presentation and included with the final Stock-Trak presentation.

*You must turn in a printed copy with calculations for the project must be done in Excel with a write up of the project completed in Word unless information is given through Power Point slides

*Assume you are a financial analyst and turning in the research to a mutual fund thinking of buying the bank

*Groups must let me know which bank they choose to prevent multiple presentations of the same bank.

_Rubric

Futures*(3)

Options*(3)

Swaps*(3)

RE*(3)

Credit*Conditions*(3)

Bank*Regulations*(3)

Discuss*Portfolio*Performance*(2)

Statements*(2)

Pie*Charts*(2)

Fin*Stats*(4)*

Fin*Info*(2)

SWOT*(2)

Derivatives*(4)

Competition*(5)

Ethical*(2)

Recommendation*(3)

Interesting*Points*