Strategy Lever Calculator

% Assets Rate

Loans

Investments

36.50%
Cost of Funds Calculation

Non-Earning Assets

0.00%
% Funds Rate

Total Assets

100.00%
3.36%

Non-Maturity

69.00%

CDs

Cost of Funds

100.00%
0.60%

Borrowings

Net Worth

Net Interest Margin

2.75%
Cost of Funds Calculation Override

COF Override

Operating Expense

Prov Loan Losses

Fee/Other Income

Net Op Expense

1.96%
Base ROA
ROA
0.79%
ROA—Difference from Base
0.00%

When calculating cost of funds, you can either manually adjust line items or you can choose to override the detailed input with an average rate. Once you arrive at a baseline ROA, click the Set Base ROA button to store it. Then, you can perform what-ifs to see the impact.

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