CASE STUDY (PART 1) INSTRUCTIONS

The following articulates the overall basic procedure and presentation details for the FIRST

PART of the case for the semester.

PURPOSE

The purpose behind this study is: (1) help you develop a strong awareness of the financial

structure of depository financial institutions; (2) further your financial analysis skills; and (3)

broaden your understanding of the risks and strengths inherent in a depository institutions in

the United States.

PROCEDURE

There will be a total of three parts to this study. You will be randomly assigned a bank.(UMPQ

UMPQUA HOLDINGS CORP) It is your

task to analyze the financial structure of each company provided. Analysis consists of an Excel

analysis. When submitted, it should contain the following:

ï‚·

Excel Spreadsheet – 3 years of data to be obtained from SEC/Edgar and/or FDIC.gov since these

are the primary sources for financial data. In other words, don’t necessarily trust Yahoo! Finance

or MSN Money. Or, go directly to the source: SEARCH THE BANK’S WEBSITE AND LOOK FOR

ANNUAL REPORTS AND DOWNLOAD. Advantage of SEC: you can download annual data to

excel directly.

o

Calculate the Financial Institution’s:



ROE and ROA



Equity Multiplier



Profit Margin (net income/total operating income), plus these detailed sub-

ratios:

ï‚·

interest income/total operating income,

ï‚·

non-interest expense/total operating income,

ï‚·

provision for loan loss/total operating income, and

ï‚·

income taxes/total operating income



Asset Utilization (total operating income/total assets), plus these sub-ratios:

ï‚·

interest income/total assets and

ï‚·

non-interest income/total assets

You are free to use other ratios and analysis techniques (i.e., DuPont Analysis) but only if you feel they are

important in making a point in either your analysis or conclusions. Don’t add them just to impress me; I

won’t be impressed.

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So 11 formulas in total

and data for last 3 years only (2017-2019).

My bank is UMPQ

UMPQUA HOLDINGS CORP

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