Strategy Lever Calculator

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%		Set Base ROA
	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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STRATEGY LEVER CALCULATOR

Loans

Investments

Non-Earning Assets

Total Assets

Non-Maturity

CDs

Cost of Funds

Borrowings

Net Worth

Net Interest Margin

COF Override

Operating Expense

Prov Loan Losses

Fee/Other Income

Net Op Expense

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.