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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