How To Calculate Average Earning Assets

How To Calculate Average Earning Assets
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  • Assume ABC Corp has a return on investment of $1,000,000, an interest expense of $2,000,000 and average earning assets of $10,000,000.(More...)


  • As described above, Method 1 requires that you calculate net profit margin and asset turnover first before you can calculate ROA. In most of your analyses, you will have already calculated these figures by the time you get around to ROA. For illustrative purposes, this example will go through the entire process using Johnson Controls as the sample business.(More...)
  • The Company records TBA derivatives at fair value on its Consolidated Statements of Financial Condition and recognizes periodic changes in fair value as Net gains (losses) on trading assets in the Consolidated Statements of Comprehensive Income (Loss), which includes both unrealized and realized gains and losses on derivatives (excluding interest rate swaps).(More...)



Assume ABC Corp has a return on investment of $1,000,000, an interest expense of $2,000,000 and average earning assets of $10,000,000. [1] Yield on earning assets - total interest, dividend, and fee income earned on loans and investments as a percentage of average earning assets. [2] More precisely, the NIM ratio is comprised of annualized total interest income on a tax equivalent basis, less total interest expense, divided by average earning assets. [3] Cost of funding earning assets - total interest expense paid on deposits and other borrowed money as a percentage of average earning assets. [2]

The key indicator of this source of profitability is the net interest margin (NIM) ratio, defined as net interest income as a percentage of average earning assets. [3] Average earning assets represent items such as loans, securities, and interest-bearing balances at other financial institutions, and exclude non-earning assets such as cash and bank premises. [3] Net interest margin - the difference between interest and dividends earned on interest-bearing assets and interest paid to depositors and other creditors, expressed as a percentage of average earning assets. [2]

If the bank has $1 million in deposits with a 1% annual interest to depositors, and it loans out $900,000 at an interest of 5% with earning assets of $1.2 million, the net interest margin is 2.92%. [1] Earning assets include stocks, bonds, income from rental property, certificates of deposit (CDs) and other interest or dividend earning accounts or instruments. [4] Income from earning assets must be reported in the appropriate tax filings. [4] Earning assets are income-producing investments that are owned, or held, by a business, institution or individual. [4] Earning assets are a reflection of only part of the total assets of an individual or institution. [4] Some earning assets, such as certificates of deposit, require no additional effort once the initial investment is made. [4]

Average yield on interest earning assets (excluding PAA) is calculated using annualized interest income (excluding PAA). [5] Interest income (excluding PAA) represents interest income excluding the effect of the PAA, and serves as the basis for deriving average yield on interest earning assets (excluding PAA), net interest spread (excluding PAA) and net interest margin (excluding PAA), which are discussed below. [5]

Average interest earning assets reflects the average amortized cost of our investments during the period. [5] Average earning asset yields for the period are calculated by dividing interest income, including amortization of premiums and discounts, by the average balance of the amortized cost of the investments. [6] GSE CRT average earning asset yields exclude coupon interest associated with embedded derivatives on securities not accounted for under the fair value option that is recorded as realized and unrealized credit derivative income (loss), net under U.S. GAAP. [6] Lower total interest income reflects a $0.4 billion decrease in average earnings assets that was partially offset by a 4 basis point increase in average earning asset yields from 3.38% to 3.42%. [6] Lower effective interest income was driven by a slight decrease in average earning assets to $17.7 billion from $18.1 billion during the first quarter following repayment of the Company's exchangeable senior notes in March 2018. [6]

Average earning asset yields benefited from higher index rates on floating and adjustable rate non-Agency RMBS and GSE CRT securities and commercial loans. [6]

Earning assets - all loans and other investments that earn interest or dividend income. [2] Average Interest Earning Assets does not include the unpaid principal balance of loans sold through OnDeck Marketplace. [7] Average Interest Earning Assets is calculated as the average of Interest Earning Assets at the beginning of the period and the end of each month in the period. [7] Our use of Net Interest Margin has limitations as an analytical tool, and you should not consider it in isolation or as a substitute for analysis of our results as reported under GAAP. Some of these limitations are: Net Interest Margin is the rate of net return we achieve on our Average Interest Earning Assets outstanding during a period. [7]

Gross Earning Assets Value of Purchase or Renewal is the forecasted net present value we would receive upon or following the expiration of the initial Customer Agreement term (either in the form of cash payments during any applicable renewal period or a system purchase at the end of the initial term), for systems deployed as of the measurement date. [8] Because estimated cash distributions to our cash equity financing partners are deducted from Gross Earning Assets, a proportional share of the corresponding project level debt is deducted from Net Earning Assets. [8] Gross Earning Assets Under Energy Contract represents the net cash flows during the initial (typically 20 year) term of our Customer Agreements (less substantially all value from SRECs prior to July 1, 2015 ), for systems deployed as of the measurement date. [8] Gross Earning Assets represents the net cash flows (discounted at 6%) we expect to receive during the initial 20-year term of our Customer Agreements for systems that have been deployed as of the measurement date, plus a discounted estimate of the value of the Customer Agreement renewal term or solar energy system purchase at the end of the initial term. [8]

Net Earning Assets as of December 31, 2017 were $1.2 billion, up $165 million, reflecting a 16% increase from the prior year. [8] Net Earning Assets represents Gross Earning Assets less both project level debt and Lease Pass-Through Financing Obligation, as of the same measurement date. [8] In calculating Gross Earning Assets, we do not deduct customer payments we are obligated to pass through to investors in lease pass-throughs as these amounts are reflected on our balance sheet as long-term and short-term lease pass-through obligations, similar to the way that debt obligations are presented. [8] In calculating Gross Earning Assets, we deduct estimated cash distributions to our cash equity financing providers. [8] Gross Earning Assets excludes estimated cash distributions to investors in consolidated joint ventures and estimated operating, maintenance and administrative expenses for systems deployed as of the measurement date. [8] Gross Earning Assets as of December 31, 2017 were $2.2 billion, up $404 million, or 22% from the prior year. [8]

Although average loans outstanding increased from the fourth quarter of 2016 to 2017, the higher yielding loans made up a smaller percentage of total average earning assets in the fourth quarter of 2017 compared to the fourth quarter of 2016. [9] Average interest bearing bank balances increased from $35,219,483 in the fourth quarter of 2016 to $42,148,188 in 2017, going from 13.7 percent of interest earning assets in 2016 to 15.7 percent in 2017. [9] Average loans as a percentage of earning assets decreased from 83.4 percent in the fourth quarter of 2016 to 81.5 percent of earning assets in 2017. [9]

To calculate return on average assets for a period, we divide net income generated during that period by average assets recorded during that period. [10]

Overall the net interest margin decreased from 4.54 in the fourth quarter of 2016 to 4.40 percent for the same period in 2017 due to a change in the earning asset mix. [9] Net charge-offs are charged-off loans in the period, net of recoveries. (14) Operating Income Yield represents Operating Income divided by Average Interest Earning Assets, annualized. [11] Average Interest Earnings Assets is calculated as the average of Interest Earnings Assets at the beginning of the period and the end of each month in the period. [11]


As described above, Method 1 requires that you calculate net profit margin and asset turnover first before you can calculate ROA. In most of your analyses, you will have already calculated these figures by the time you get around to ROA. For illustrative purposes, this example will go through the entire process using Johnson Controls as the sample business. [12] When it comes to investing, it is important to learn how to calculate a financial ratio known as return on assets (ROA). [12] ••• Learning to calculate return on assets, or ROA, is a valuable skill for new investors, analysts, business owners, and managers. [12]

Net interest income is the numerator in the equation for net interest margin, but the denominator (total assets) can change in proportions not reflected in the numerator. [13] The gap is lessening, though: In the first quarter of 2015, banks with total bank assets between $50 million and $99 billion had net interest margins between 3.5% and 4.1%. [13]

Divide the total revenue of $18,427,200,000 by the average assets of $9,660,750,000. [12] Simply take the net income of $469,500,000 divided by the average assets for the period of $9,660,750,000. [12]

This allows the investment holder to maintain the assets as a source of earnings or sell the assets for a lump sum based on the inherent value. [4] These assets also have a base value and the ability to produce additional funds beyond this inherent value for the investment holder. [4]

If a company has no debt, the return on assets and return on equity figures will be the same. [12] Whereas asset turnover tells an investor the total sales for each $1 of assets on the balance sheet, ROA tells an investor how much after-tax profit a company generated for each $1 in assets. [12] The lower the profit per dollar of assets, the more asset-intensive a business is. [12] Net interest margin adds another dimension to the net interest spread by basing the ratio over its entire asset base. [1] In finance, the net interest margin measures the difference between interest paid and interest received, adjusted relative to the amount of interest-generating assets. [13]

The formula is "asset yield minus the "cost of funds" (COF) minus the "provision for loan losses." [14] The return on assets figure is also a sure-fire way to gauge the asset intensity of a business. [12] Return on assets is the most stringent test of return to shareholders. [12] If a company has an ROA of 20 percent, it means that the company earned $0.20 for each $1 in assets. [12] Buying on margin is the purchase of an asset by paying the margin. [1]

The markedly low federal funds rate forced the net interest spreads of banking institutions to decrease, and during this recession, the average net interest margin for banks in the U.S. shed nearly a quarter of its value before finally picking up in 2015. [1] The Federal Financial Institutions Examination Council ( FFIEC ) releases an average net interest margin figure for all U.S. banks on a quarterly basis. [1] In the United States, the average net interest margin (NIM) for banks was 3.10% in the first quarter of 2017. [13]

If not, and if you have enough detail on the Income Statement, in its most basic terms you can calculate NIM which is the difference between what the bank received in interest in the period (e.g. the quarter or year) and what it paid to its depositors and other funders. [14] How to calculate the net interest margin (NIM) from a bank financial statement - Quora This page may be out of date. [14] How do banks calculate interest on savings accounts? My bank gives interest once in three months. [14]

Calculate this bank's net interest margin with the following formula: net interest margin ($5.5 million - $2.5 million) / $100 million 0.03, or 3%. [13]

ROA measures a company?s net earnings in relation to all of the resources it had at its disposal--the shareholders? capital plus short and long-term borrowed funds. [12] Earnings per share (EPS) is the portion of a company's profit allocated to each outstanding. [13] All things being equal, the more asset-intensive a business, the more money must be reinvested into it to continue generating earnings. [12]

The net interest rate spread is the difference between the average. [1] You average the $9,911,500,000 total assets from 2001 and $9,428,000,000 total assets from 2000 together and come up with $9,669,750,000 average assets for the one-year period you are studying. [12] Notably, the average NIM figure for the five biggest banks in the country s still well below the average NIM figure for the U.S. banking industry. [13] This is the difference between average cost of lending and the average cost of funds. [14]

To calculate gross profit margin, subtract the cost of goods sold from a company?s revenue; then divide by revenue. [1]

The Company records TBA derivatives at fair value on its Consolidated Statements of Financial Condition and recognizes periodic changes in fair value as Net gains (losses) on trading assets in the Consolidated Statements of Comprehensive Income (Loss), which includes both unrealized and realized gains and losses on derivatives (excluding interest rate swaps). [5]

Unlike return on assets which measures the net earning power, the basic earning power (BEP) ratio calculated the operating earning power i.e. their numerators are different. [15] Find the basic earning power ratio and return on assets and high light how is BEP ratio useful. [15]

All asset and liability figures used in calculating performance ratios represent average amounts for the period (beginning-of-period amount plus end-of-period amount plus any interim periods, divided by the total number of periods). [2] That means they?ll typically have lower debt to asset ratios on average. [16] Check out the chart below to find out the average debt to asset ratio in a few different industries. [16]

For "pooling-of-interest" mergers, the assets of the acquired institution(s) are included in average assets since the year-to-date income includes the results of all merged institutions. [2] An investor will want to reduce her investments in assets that have lower yields in favor of those with higher yields, and the average annual yield gives her a more thorough picture than a simple snapshot of a period of time. [17]

For every dollar of assets the company invests in, it returns 20 cents in net profit per year. [18] TBA dollar roll income is reported as a component of Net gains (losses) on trading assets in the Consolidated Statements of Comprehensive Income (Loss). [5] Your debt to asset ratio (or debt to income ratio) could mean the difference between securing a loan for your business or home, and not getting a single dime from a lender. [16] When you?re a business (i.e. you have your own hustle or side hustle ), your debt to asset ratio represents the total amount of debt you owe compared to your total amount of assets. [16] The way you calculate your debt to asset ratio is simple: Take the amount of debt you owe and divide it by the value of the assets you own. [16] The amount your debt to asset ratio affects your business will vary from industry to industry. [16] These elements are the profit margin, the efficiency with which the firm uses its assets to generate sales (total asset turnover ratio), and the effect of debt on the firm (equity multiplier). [19] For ABC, Inc., the net profit margin and asset turnover, in particular, are weak and are lowering the return on equity. [19] As a result of adopting the ASU on a modified retrospective basis, assets reclassified from OREO to loans should be measured at the carrying value of the real estate at the date of adoption while assets reclassified from loans to OREO should be measured at the lower of the net amount of the loan receivable or the OREO property?s fair value less costs to sell at the time of adoption. [2] At present, Accounting Standards Codification (ASC) Subtopic 835-30, Interest ? Imputation of Interest, requires debt issuance costs to be reported on the balance sheet as an asset (i.e., a deferred charge). [2] All other assets - total cash, balances due from depository institutions, premises, fixed assets, direct investments in real estate, investment in unconsolidated subsidiaries, customers? liability on acceptances outstanding, assets held in trading accounts, federal funds sold, securities purchased with agreements to resell, fair market value of derivatives, prepaid deposit insurance assessments, and other assets. [2] For the community bank subgroup, growth rates will reflect changes over time in the number and identities of institutions designated as community banks, as well as changes in the assets and liabilities, and income and expenses of group members. [2] If you?re an individual, the debt to asset ratio won?t be as relevant to youbut your debt to INCOME ratio will be. [16] Quarterly and full-year data are provided for selected indicators, including aggregate condition and income data, performance ratios, condition ratios, and structural changes, as well as past due, noncurrent, and charge-off information for loans outstanding and other assets. [2] Your debt to asset ratio can mean the difference between securing a loan or being denied. [16]

The principal amount of a seller?s interest is generally equal to the total principal amount of the pool of assets included in the securitization structure less the principal amount of those assets attributable to investors, i.e., in the form of securities issued to investors. [2] Since its return on assets is 7.84%, we can conclude that 2.11% of the company's revenue is expensed out as interest expense and taxes. [15] Seller?s interest in institution?s own securitizations - the reporting bank?s ownership interest in loans and other assets that have been securitized, except an interest that is a form of recourse or other seller-provided credit enhancement. [2] Goodwill is the excess of the purchase price over the fair market value of the net assets acquired, less subsequent impairment adjustments. [2] Represents a component of Net gains (losses) on trading assets. [5] Thrift Financial Report (TFR) filers also include gains (losses) on the sales of assets held for sale. (TFR filers began filing Call Reports effective with the quarter ending March 31, 2012.) [2] Net worth is a measure of your financial health because it basically says what you would have left over if you sold all of your assets to pay all of your debts. [20] Long-term assets (5+ years) - loans and debt securities with remaining maturities or repricing intervals of over five years. [2] Noncurrent assets - the sum of loans, leases, debt securities, and other assets that are 90 days or more past due, or in nonaccrual status. [2] Liabilities are what you owe on those assets including car loans, your mortgage, and student loan debt. [20]

Once the specialty organizations are removed, the third step involves including organizations that engage in basic banking activities as measured by the total loans-to-assets ratio (greater than 33 percent) and the ratio of core deposits to assets (greater than 50 percent). [2] This ratio indicates how well a company is performing by comparing the profit it's generating to the capital it's invested in assets. [18] Common equity tier 1 capital ratio - ratio of common equity tier 1 capital to risk-weighted assets. [2] You just heard the term "debt to asset ratio" thrown around by that pedantic guy at a cocktail party and now you?re surreptitiously looking up the term on your phone so you don?t look dumb. [16] To help you get a better understanding of it, let?s break down what debt to asset ratio might look like in real life. [16] Like your credit score, your debt to asset ratio is a number. [16] The higher your debt to asset ratio is, the more you owe and the more risk you run by opening up new lines of credit. [16] We significantly increased our hedge ratio and continued to selectively diversify into lower-levered floating rate credit assets, increasing our allocation to credit to 26%. [5] Typically, a true-up liability may result because the recovery period on the loss-share assets (e.g., eight years) is longer than the period during which the FDIC agrees to reimburse the acquiring institution for losses on the loss-share portfolio (e.g., five years). [2] True-Up Liability Under an FDIC Loss-Sharing Agreement An insured depository institution that acquires a failed insured institution may enter into a loss-sharing agreement with the FDIC under which the FDIC agrees to absorb a portion of the losses on a specified pool of the failed institution?s assets during a specified time period. [2] An institution should not continue to report assets covered by loss-sharing agreements after the expiration of the loss-sharing period even if the terms of the loss-sharing agreement require reimbursements from the institution to the FDIC for certain amounts during the recovery period. [2] In general, the measurement period in a business combination is the period after the acquisition date during which the acquirer may adjust provisional amounts reported for identifiable assets acquired, liabilities assumed, and consideration transferred for the acquiree for which the initial accounting for the business combination is incomplete at the end of the reporting period in which the combination occurs. [2] Therefore, a higher return on assets value indicates that a business is more profitable and efficient. [18] The Dupont Model is a valuable tool for business owners to use to analyze their return on investment (ROI) or return on assets (ROA). [19] As a general rule, a return on assets under 5% is considered an asset-intensive business while a return on assets above 20% is considered an asset-light business. [18] Let's walk through an example step by step of how to calculate return on assets using the formula above. [18] Return on assets indicates the amount of money earned per dollar of assets. [18] Bank concentration, which refers to the percentage of assets held by the largest banks, and branches per capita are useful proxies to measure overbanking in a market. [3] While some of these assets will have very specific and obvious values (such as your bank statement), others will require you to make an estimate. [20] Once you have this total, you've got the total value of your assets. [20] Assets include cash and investments, your home and other real estate, cars or anything else of value you own. [20] Such investments can be deposit accounts someone holds with her bank, shares of stock, or assets like commodities or real estate. [17] Consistent with U.S. GAAP and bank guidance for "Offsetting," institutions are permitted to offset assets and liabilities recognized in the Report of Condition when a "right of setoff" exists. [2] Failed/assisted institutions - an institution fails when regulators take control of the institution, placing the assets and liabilities into a bridge bank, conservatorship, receivership, or another healthy institution. [2] Small Business Lending Fund -- The Small Business Lending Fund (SBLF) was enacted into law in September 2010 as part of the Small Business Jobs Act of 2010 to encourage lending to small businesses by providing capital to qualified community institutions with assets of less than $10 billion. [2] If those numbers were flipped (you owe $100,000 in debt and own only $25,000 in assets), your debt to asset number would be 400% -- which is just awful no matter what your business does. [16] In a nutshell, your net worth is really everything you own of significance (your assets) minus what you owe in debts (your liabilities). [20] Every time you make one of those debts smaller or one of those assets grows more valuable, your net worth will increase. [20]

Accounting for Loan Participations - Amended ASC Topic 860 (formerly FAS 166) modified the criteria that must be met in order for a transfer of a portion of a financial asset, such as a loan participation, to qualify for sale accounting. [2] Fair Value - the valuation of various assets and liabilities on the balance sheet--including trading assets and liabilities, available-for-sale securities, loans held for sale, assets and liabilities accounted for under the fair value option, and foreclosed assets--involves the use of fair values. [2] Assets securitized and sold - total outstanding principal balance of assets securitized and sold with servicing retained or other seller- provided credit enhancements. [2] Once you've listed every asset you can think of, write TOTAL in big letters over on the left, then add up the numbers. [20] The first company earns a return on assets of 10% and the second one earns an ROA of 67%. [18] The lower the return on assets, the more asset-intensive a company is. [18] It is important to note that return on assets should not be compared across industries. [18] Therefore, these companies would naturally report a lower return on assets when compared to companies that do not require a lot of assets to operate. [18] Therefore, return on assets should only be used to compare with companies within an industry. [18] Thanks for reading CFI's guide to return on assets and the ROA formula. [18] During periods of market stress, the fair values of some financial instruments and nonfinancial assets may decline. [2] For institutions that file a Thrift Financial Report (TFR), the valuation allowance subtracted also includes allowances for other repossessed assets. [2] Such fiduciary assets are not included in the assets of the financial institution. [2] For regulatory capital purposes, an institution may assign a zero-percent risk weight to the amount of its prepaid deposit assessment asset. [2] Some tables are arrayed by groups of FDIC-insured institutions based on predominant types of asset concentration, while other tables aggregate institutions by asset size and geographic region. [2] The number and assets of "problem" institutions are based on FDIC composite ratings. [2] Effective April 1, 2011, risk categories for large institutions (generally those with at least $10 billion in assets) were eliminated. [2] Added into net income is the additional income arising from investments or those that are not directly resulting from primary operations, such as proceeds from the sale of equipment or fixed assets. [18] Imagine two companies one with a net income of $50 million and assets of $500 million, the other with a net income of $10 million and assets of $15 million. [18] This ratio tells you how efficiently you have been using your asset base to generate sales. [19] The hedge ratio does not take into consideration differences in duration between assets and liabilities. [5] Recourse - an arrangement in which a bank retains, in form or in substance, any credit risk directly or indirectly associated with an asset it has sold (in accordance with generally accepted accounting principles) that exceeds a pro rata share of the bank?s claim on the asset. [2] Other Assets from Failed Banks The inventory of other assets for sale -- including office furniture, fixtures, and equipment. [2] If a bank has no claim on an asset it has sold, then the retention of any credit risk is recourse. [2] That metric is really attempting to answer the question, "If I owned this asset, how much cash could I extract from it after taking care of necessary expenses, taxes, and maintenance capital expenditures required to keep unit volume steady without harming the competitive position of the enterprise?". [21] I usually make a list that says ASSETS in big letters at the top. Underneath that, on the left, I list what the asset is and on the far right, I list the value of that asset so that the decimal points of all of the assets line up. [20] Step 1: Make a list of all of your assets and their estimated value. [20] ABC, Inc. earned 3.8 cents for every dollar of sales and turned its assets over 1.5X per year. [19] Next, you want to find out which part of ROI is causing the problem for your business - the profit margin or the asset turnover. [19] ROI is composed of two parts: the company's profit margin and asset turnover or its ability to generate profit and make sales based on its asset base. [19]

After totaling everything up, you find that you owe about $25,000 in debt and own about $100,000 in assets. [16] Some investments may perform better than others, which is true not only among different asset classes but even among the same asset class. [17] Other borrowed funds - federal funds purchased, securities sold with agreements to repurchase, demand notes issued to the U.S. Treasury, FHLB advances, other borrowed money, mortgage indebtedness, obligations under capitalized leases and trading liabilities, less revaluation losses on assets held in trading accounts. [2] Common physical assets held in fiduciary accounts include real estate, equipment, collectibles, and household goods. [2] Risk-weighted assets - assets adjusted for risk-based capital definitions which include on-balance-sheet as well as off-balance-sheet items multiplied by risk-weights that range from zero to 200 percent. [2] Net loans to total assets - loans and lease financing receivables, net of unearned income, allowance and reserves, as a percent of total assets on a consolidated basis. [2] ROI Net Income/Sales X Sales/Total Assets _____% where Net Income/Sales is the net profit margin and comes from the income statement and Sales/Total Assets is the Total Asset Turnover and sales comes from the income statement and total assets comes from the balance sheet. [19]

When you take an owner earnings approach to income statement analysis, you need all three financial statements together - balance sheet, income statement, and cash flow statements - as well as the ability to discount cash flows to come up with a net present value. [21] Core earnings, which is comprised of interest income plus TBA dollar roll income i, less financing and hedging costs ii and general and administrative expenses, and core earnings (excluding PAA), are used by management and, we believe, used by our analysts and investors, to measure progress in achieving the Company's business objectives. [5] Basic earning power (BEP) ratio is a measure that calculates the earning power of a business before the effect of the business' income taxes and its financial leverage. [15] While you already know that financial ratios are important, and you've learned how to calculate many different financial ratios from the income statement by this point in the investing lesson, I wanted to create an easy-to-reference summary sheet for you to keep. [21]

The average annual yield is calculated after adding up all income associated with the investment, including interest and dividends. [17] Average annual yield is the income of an investment divided by the age of the investment. [17]

Return on equity - bank net income (including gains or losses on securities and extraordinary items) as a percentage of average total equity capital. [2] Annualized core return on average equity (excluding PAA), which is calculated by dividing core earnings (excluding PAA) over average stockholders? equity, provides investors with additional detail on the core earnings generated by the Company?s invested equity capital. [5] The average annual yield is calculated by comparing rates of return over two or more years. [17] The return, as as calculated over the course of the investment's lifetime, can be expressed as an average annual yield. [17]

If the ROE for ABC, Inc. is 12.7% and we get the industry average for the small hardware industry and it is 15.0%, ABC, Inc. is performing poorly with regard to ROE as well as ROI. ROE is a measure of the wealth of the shareholders of the company and is the profitability ratio shareholders look at most often. [19] All condition and performance ratios represent weighted averages, i.e., the sum of the individual numerator values divided by the sum of individual denominator values. [2] Because an asset's value may fluctuate, the average annual yield is key when an investor decides to diversify her portfolio. [17]

Assessment base - effective April 1, 2011, the deposit insurance assessment base changed to "average consolidated total assets minus average tangible equity" with an additional adjustment to the assessment base for banker?s banks and custodial banks, as permitted under Dodd-Frank. [2] Dell Inc. earnings before interest and taxes for the financial year ended 2 February 2012 are $4,431 million while its total assets as at 2 February 2012 are $44,533. [15] It is calculated by dividing earnings before interest and taxes (EBIT) by total assets. [15] Basic earning power (BEP) ratio is similar to return on assets ratio as both have the same denominator i.e. total assets. [15]

Percent of institutions with earnings gains - the percent of institutions that increased their net income (or decreased their losses) compared to the same period a year earlier. [2] Last year, the same investment yielded $100, and $250 the year before that, respectively earning 2 percent and 5 percent rates of return. [17] The Company generates net income by earning a net interest spread on its investment portfolio, which is a function of the Company?s interest income from its investment portfolio less financing, hedging and operating costs. [5]

Under the ASU, the acquirer also must recognize in the financial statements for the same reporting period the effect on earnings, if any, resulting from the adjustments to the provisional amounts as if the accounting for the business combination had been completed as of the acquisition date. [2] Retained earnings - net income less cash dividends on common and preferred stock for the reporting period. [2]

Your options include leveraging hidden income, earning more money, or cutting expenses. [16] Under the modified retrospective method, an institution should apply a cumulative-effect adjustment to affected accounts existing as of the beginning of the fiscal year the new standard is adopted and to retained earnings for this change in accounting principle. [2] Reportedly, the expansion strategy has helped Taiwanese banks boost their overall earnings last year, especially from Vietnam and Cambodia. [3]

The Company may calculate its non-GAAP metrics, such as core earnings, or the PAA, differently than its peers making comparative analysis difficult. [5] The ultimate goal is to get to the point you can calculate something known as owner earnings. [21]

The Company will hold the first quarter 2018 earnings conference call on May 3, 2018 at 10:00 a.m. Eastern Time. [5] Basic earning power ratio tells that Dell has a raw earning power of 9.95%. [15]

Efficiency ratio - Noninterest expense less amortization of intangible assets as a percent of net interest income plus noninterest income. [2] Net income/loss is found at the bottom of the income statement and divided into total assets to arrive at ROA. [18] If the small hardware company industry had a net profit margin of 5.0% and a total asset turnover of 1.8X, ABC, Inc. was low on both counts, particularly the net profit margin. [19] In general, a highly complex institution is an institution (other than a credit card bank) with more than $500 billion in total assets that is controlled by a parent or intermediate parent company with more than $500 billion in total assets or a processing bank or trust company with total fiduciary assets of $500 billion or more. [2] The second step is to exclude any banking organization where more than 50 percent of total assets are held in certain specialty banking charters, including: credit card specialists, consumer nonbank banks, industrial loan companies, trust companies, bankers? banks, and banks holding 10 percent or more of total assets in foreign offices. [2] Return on Assets (ROA) is a type of return on investment (ROI) that measures the profitability of a business in relation to its total assets. [18] The accounting alternative applies when a private company is required to recognize or otherwise consider the fair value of intangible assets as a result of certain transactions, including when applying the acquisition method to a business combination under ASC Topic 805, Business Combinations (formerly FASB Statement No. 141 (revised 2007), "Business Combinations"). [2] Because mortgage servicing rights and core deposit intangibles are regarded as capable of being sold or licensed independently, a private company that elects this accounting alternative must recognize these intangible assets separately from goodwill, initially measure them at fair value, and subsequently measure them in accordance with ASC Topic 350, Intangibles-Goodwill and Other (formerly FASB Statement No. 142, "Goodwill and Other Intangible Assets"). [2] Goodwill Impairment Testing - In September 2011, the FASB issued Accounting Standards Update (ASU) No. 2011-08, "Testing Goodwill for Impairment," to address concerns about the cost and complexity of the existing goodwill impairment test in ASC Topic 350, Intangibles-Goodwill and Other (formerly FASB Statement No. 142, "Goodwill and Other Intangible Assets"). [2]

If a private institution issues U.S. GAAP financial statements and adopts ASU 2014-18, it should apply the ASU?s intangible asset accounting alternative in its Call Report in a manner consistent with its reporting of intangible assets in its financial statements. [2] For additional information on the private company accounting alternative for identifiable intangible assets, institutions should refer to ASU 2014-18, which is available at [2] Accounting by Private Companies for Identifiable Intangible Assets in a Business Combination In December 2014, the FASB issued ASU No. 2014-18, "Accounting for Identifiable Intangible Assets in a Business Combination," which is a consensus of the Private Company Council (PCC). [2]

Core capital - common equity capital plus noncumulative perpetual preferred stock plus minority interest in consolidated subsidiaries, less goodwill and other ineligible intangible assets. [2] Items that are fully deducted from common equity tier 1 capital include goodwill, other intangible assets (excluding mortgage servicing assets) and certain deferred tax assets; items that are subject to limits in common equity tier 1 capital include mortgage servicing assets, eligible deferred tax assets, and certain significant investments. [2] ROE ROI X Total Assets/Common Equity where Total Assets are taken from the balance sheet as is Common Equity. [19] ROI Net Income/Total Assets _____% where net income is taken from the income statement and total assets is taken from the balance sheet. [19] The ASU's provisions should be applied prospectively to any new indemnification assets acquired after the date of adoption and to indemnification assets existing as of the date of adoption arising from an FDIC-assisted acquisition of a financial institution. [2] The acquiring institution typically records an indemnification asset representing its right to receive payments from the FDIC for losses during the specified time period on assets covered under the loss-sharing agreement. [2] Under the ASU, when an institution experiences a change in the cash flows expected to be collected on an FDIC loss-sharing indemnification asset because of a change in the cash flows expected to be collected on the assets covered by the loss-sharing agreement, the institution should account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. [2] Institutions with indemnification assets arising from FDIC loss-sharing agreements are expected to adopt ASU 2012- 06 for Call Report purposes in accordance with the effective date of this standard. [2] Therefore, institutions should report the indemnification asset gross (i.e., without regard to any true-up liability) in Other Assets, and any true-up liability in Other Liabilities. [2] Any amortization of changes in the value of the indemnification asset should be limited to the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets. [2]

This ASU provides an accounting alternative that permits a private company, as defined in U.S. GAAP (and discussed in a later section of these Supplemental Instructions), to simplify the accounting for certain intangible assets. [2] A private company that elects the goodwill accounting alternative in ASU 2014-02 is not required to adopt the accounting alternative for identifiable intangible assets in ASU 2014-18. [2]

The effective date of the private company?s decision to adopt the accounting alternative for identifiable intangible assets depends on the timing of that first transaction. [2] Other intangible assets are recorded at fair value, less subsequent quarterly amortization and impairment adjustments. [2]

Let's say that ABC, Inc., a small hardware firm, generated $113.5 million in sales in 2009 and had total assets of $2,000 million. [19] Domestic deposits to total assets - total domestic office deposits as a percent of total assets on a consolidated basis. [2]

The NIM of banks in larger, more developed Asian economies averaged about 1.50 percent, half of the U.S. average of 3.06 percent in 2016. 3 One possible cause for the tight NIM in these economies is that there are too many banks in their markets leading to intense competition. [3] This doesn't tell you much, but if you look at a source for industry average ratios like, you can compare your ROI with that of your industry. [19] We have determined that the company we are using as an example, ABC, Inc. is performing poorly with regard to their ROI and the industry average. [19] On any multiyear investment, the average annual yield will determine the asset's performance over time. [17] Comparing average annual yields can help the typical investor make smart investment decisions for her portfolio. [17] Get a great average annual yield on a certificate of deposit (CD). [17]

Here are the steps in using the DuPont Model to calculate both return on investment and return on equity. [19] Notional amounts represent the amounts used to calculate contractual cash flows to be exchanged. [2] Now that you know about net worth, how to calculate it, and how it changes, you could use a site like to automatically calculate your net worth in real time and keep track of all of your finances. [20] To get the most out of the numbers, you should really be able to calculate net worth on your own. [20] There are plenty of net worth calculators and software that can help you calculate your net worth. [20] Some people panic when they calculate their net worth and discover that it's negative. [20]

When gathering data to calculate NIM, an attempt has been made to use the same definition to ensure comparability of financial data across different jurisdictions. [3]

Core earnings (excluding PAA) excludes the premium amortization adjustment. [5]

Core earnings (and by calculation, core earnings per common share), effective interest income (and by calculation, effective yield), effective interest expense (and by calculation, effective cost of funds), effective net interest income (and by calculation, effective interest rate margin), and repurchase agreement debt-to-equity ratio are non-GAAP financial measures. [6] Net interest margin is net interest income divided by average interest-earning assets. [22] Financing assets are assets that generate interest revenue, such as cash and marketable securities; and financing liabilities are amounts that generate interest expense for a company, such as a bank loan. [23] When calculating his net operating assets, he would deduct any assets that relate to financing activities (cash) and add any liabilities relating to financing activities (long-term bank loan). [23] Net equity in unsecured assets includes commercial loans, investments in unconsolidated joint ventures and other. [6] Calculating net operating assets helps Mr. Oak determine the relationship that exists between the company's net operating assets and its operating income. [23] Let's help Mr. Oak calculate the net operating assets for his company. [23] He met with his accountant recently, and she discussed the company's net operating assets and how efficiently his company was using them. [23] Inventory is an operating asset, and accounts payable is an operating liability, and Oak Company would include them in the calculation of net operating assets. [23] A company's net operating assets are those assets that the company uses to generate revenue, which is the money it makes from selling its goods and services. [23] A company has assets - or items of value that it owns - as well as liabilities, which represent debt or amounts that the company owes to others, such as suppliers or the bank. [23] Financing assets are those assets that generate revenue in the form of interest for a company and examples include cash and marketable securities. [23] It will allow Mr. Oak to determine how efficiently his company uses its operating assets to generate earnings from its operations. [23] The Company calculates effective interest income (and by calculation, effective yield) as U.S. GAAP total interest income adjusted for GSE CRT embedded derivative coupon interest that is recorded as realized and unrealized credit derivative income (loss), net. [6]

Average cost of funds is calculated by dividing annualized interest expense excluding amortization of net deferred gain (loss) on de-designated interest rate swaps by the Company's average borrowings. [6] Interest rate swaps average floating receive rate is calculated by dividing annualized contractual swap interest income by the Company's average notional balance of interest rate swaps. [6] It is calculated as our calendar day-adjusted annualized interest income divided by average Loans. [7] Interest rate swaps average fixed pay rate is calculated by dividing annualized contractual swap interest expense by the Company's average notional balance of interest rate swaps. [6] The ratio of annualized total expenses to average equity is calculated as the annualized sum of management fees plus general and administrative expenses divided by average equity. [6] The ratio of annualized total expenses to average equity decreased to 2.22% compared to 2.26% for the first quarter due to lower total expenses. [6]

The Effective Interest Yield was 36.1%, up from 35.6% in the prior quarter and 33.5% in the year-ago quarter, primarily reflecting increases in average loan pricing. [7]

Core earnings decreased in the second quarter primarily due to a $2.5 million increase in effective interest expense and a $1.7 million decrease in effective interest income. [6]

Mr. Oak isn't quite sure what net operating assets are and how they are calculated. [23] "We delivered record net income driven by asset growth and margin expansion, and our investments in risk management continue to pay off as credit metrics remained strong. [7] The following tables show the allocation of the Company's equity to its target assets, the Company's debt-to-equity ratio, and the Company's repurchase agreement debt-to-equity ratio as of June 30, 2018 and March 31, 2018. [6] Cash and cash equivalents is allocated based on a percentage of equity for each asset class. [6] We will show you savings calculations using a strict method which only includes the accumulation of assets, as well as the more typical method which also includes paydowns of debt. [24] They represent assets that a company uses to generate revenue, or the money it makes from selling goods and services to its customers. [23] We'll take you through the asset part first, as principal paydowns are just added to that number to come up with the second rate. [24] 'Savings' is actually a tiny bit controversial, because it may mean just accumulating assets but from an accounting perspective principal paydowns are savings as well. [24]

Net operating assets represent the difference between total assets and total liabilities after adjusting for assets or liabilities that relate to financing activities. [23]

Diluted net earnings per share available to common stockholders was $0.54 per share. [8] Core earnings per share attributable to common stockholders is equal to core earnings divided by the basic weighted average number of common shares outstanding. [6] To find the average millennial earnings, SmartAsset crunched the numbers using data from the Bureau of Labor Statistics. [25]

For full years, it is calculated as our funding cost divided by average funding debt outstanding and for interim periods it is calculated as our annualized funding cost for the period divided by average funding debt outstanding. [7] Average equity is calculated based on the weighted month-end balance of total equity excluding equity attributable to preferred stockholders. [6] Average amounts for each period are based on weighted month-end balances; all percentages are annualized. [6]

That number doesn?t get you very far in some of the country?s biggest cities, where the income needed to pay the average rent can easily reach six figures. [25] Originations of $587 million were consistent with the prior quarter reflecting an increase in the number of loans funded and decrease in the average loan size. [7] The Company decreased its average borrowings by $0.4 billion (2.4%) in the second quarter of 2018 to $15.3 billion compared to average borrowings of $15.7 billion in the first quarter. [6]

Agency RMBS and non-Agency CMBS average borrowings and cost of funds include borrowings under repurchase agreements and secured loans. [6] We found that the average salary of a millennial is $684 per week or $35,592 per year. [25]

Core earnings (and by calculation, core earnings per common share) are non-Generally Accepted Accounting Principles ("GAAP") financial measures. [6] The Company cautions that core earnings should not be considered as an alternative to net income (determined in accordance with U.S. GAAP), or as an indication of the Company's cash flow from operating activities (determined in accordance with U.S. GAAP), a measure of the Company's liquidity, or an indication of amounts available to fund its cash needs, including its ability to make cash distributions. [6] The Company believes the presentation of core earnings provides a consistent measure of operating performance by excluding the impact of gains and losses described above from operating results. [6] The Company believes that providing transparency into core earnings enables its investors to consistently measure, evaluate and compare its operating performance to that of its peers over multiple reporting periods. [6]

During the second quarter of 2018, the Company generated $46.1 million in core earnings, a decrease of $4.3 million or 8.5% from the first quarter of 2018. [6] "We are pleased to announce core earnings of $0.41 per share for the second quarter, an economic return of 1.9% for the quarter, and continued book value stability. [6] While our decline in core earnings was substantially attributable to a higher cost of funds, our disciplined approach to actively maintaining our equity duration target helped mitigate the pressure from headwinds during the second quarter," said John Anzalone, Chief Executive Officer. [6] The presentation of Creation Cost for periods prior to December 31, 2016 reflects changes made to the calculation methodology as further described in our Fourth Quarter 2016 earnings presentation available on our investor relations website. [8]

Regulatory capital includes retained earnings, Class B capital stock, and mandatorily redeemable capital stock (which is classified as a liability), but excludes accumulated other comprehensive income. [22] The quandary many millennials faced is that they knew they needed a degree to boost their earnings but they couldn?t get a degree without taking on massive amounts of debt. [25] Those who have pursued higher education have higher earnings but also tend to have a heavy debt burden. [25]

The Company may add and has added additional reconciling items to its core earnings calculation as appropriate. [6] For the period of 2009-2013, however, full-time workers between 18 and 34 had median earnings of just $33,883. [25]

These non-GAAP measures should not be considered in isolation or as an alternative to any measures of financial performance calculated and presented in accordance with GAAP. Other companies may calculate these or similarly titled non-GAAP measures differently than we do. [7] This article will detail how to calculate your savings rate and emulate our method of calculating our own. [24]

This ratio is calculated as regulatory capital divided by total assets. [22] The decrease in quarterly earnings results from an increase in the provision for income taxes as a result of a reduction in the value of net deferred tax assets of approximately $628,000. [9]

Factors that could cause a difference include, among others: changes in the national and local economies or market conditions; changes in interest rates, deposit levels, loan demand and asset quality, including real estate and other collateral values; changes in banking regulations and accounting principles, policies or guidelines; and the impact of competition from traditional or new sources. [9] At December 31, 2017, the allowance for loan loss reserves equals 147.9 percent of impaired and non-performing assets, net of government guarantees compared to 105.4 percent at the end of 2016. [9] At December 31, 2017, the Company reported assets of $49.1 billion, loans of $38.4 billion, deposits of $29.1 billion, stockholders? equity of $6.8 billion, and a market cap of $6.4 billion. [10]

Returns on average tangible assets and average tangible stockholders? equity are among the profitability measures considered by current and prospective investors, both independent of, and in comparison with, the Company?s peers. 3. [10] The overall growth in these assets has helped boost average retirement income. [26]

This easy to use system can instantly tell you how your retirement income, expenses, assets, debt and net worth compare to other people in your own zip code. [26] We then used this data to calculate net worth, or liabilities (debt) subtracted from assets (cash, investments, and other equity). [27] Tangible book value per share and the ratio of tangible stockholders? equity to tangible assets are among the capital measures considered by current and prospective investors, both independent of, and in comparison with, its peers. [10] Depreciation takes into account the diminishing value of your tangible assets, so every accounting year a little bit of the cost of that car would be added into your accounting statements. [28] Aside from that, it?s pretty much the same as depreciation: a little bit of the cost of the asset will be added to your accounting statements for as long as that asset continues to be useable. [28]

This decrease was attributable to the aforementioned revaluation of net deferred tax assets due to the new tax law enacted in December 2017. [9] Non-performing non-covered assets increased 6% to $90.1 million, or 0.18%, of total non-covered assets at December 31, 2017 as compared to $84.7 million, or 0.17%, at September 30, 2017, and $68.1 million or 0.14% of total non-covered assets at December 31, 2016. [10] For the four quarters ended December 31, 2017, the Company?s total consolidated assets averaged $48.7 billion, below the current SIFI threshold of $50.0 billion. [10] Non-performing non-covered assets represented $90.1 million, or 0.18%, of total non-covered assets. [10] Which should mean that retirees have more assets to turn into retirement income. [26] The Pension Rights Center estimates that a full 65% of retirees will rely on assets for at least some of their retirement income. [26] The following discussion pertains only to the Company's portfolio of non-covered loans held for investment (excluding purchased credit-impaired, or "PCI," loans) and non-covered repossessed assets. [10] Over time, any tangible assets will depreciate in quality, meaning that they lose value. (A car that?s ten years old is usually worth less than a car that?s only two years old, for example.) [28] Excluding goodwill of $2.4 billion, tangible common stockholders? equity totaled $3.9 billion, representing 8.26% of tangible assets, compared to 8.30% at September 30, 2017 and 7.93% at December 31, 2016. [10] Non-covered repossessed assets rose 4% to $16.4 million compared to the trailing quarter and 41% from year-end 2016. [10] Asset yields decreased from 4.90 percent in 2016 to 4.73 percent in 2017. [9] Your home is most likely your most valuable financial asset. [26] When looking at a balance sheet, the left side of the balance sheet lists assets. [29]

While stockholders? equity, total assets, and book value per share are financial measures that are recorded in accordance with U.S. generally accepted accounting principles ("GAAP"), tangible stockholders? equity, tangible assets, and tangible book value per share are not. [10]

The highest income bracket, earning more than $150,000 per year, takes a hit to their net worth by accruing significantly more debt than lower income groups. [27] Compounding interest in retirement and investment accounts help bigger balances grow faster than smaller balances, creating a fast-widening gap between earning groups. [27] Putting all of these together, EBITDA is a way to measure your earnings without taking the costs of interest, tax, depreciation, or amortization into account. [28]

With this information, you can calculate the net income of the company from the retained earnings values. [29] Net profit: To calculate net profit for a venture (such as a company, division, or project), subtract all costs, including a fair share of total corporate overheads, from the gross revenues or turnover. [30] To calculate return on average common stockholders? equity for a period, we divide net income available to common shareholders generated during that period by average common stockholders? equity recorded during that period. [10] Net charge-offs for the current fourth quarter dropped 91% to $3.8 million or 0.01% of average loans compared to $40.4 million or 0.11% of average loans at September 30, 2017. [10] Applicants in income groups under $90,000 have credit card debt ranging from $1,000 to $2,000 on average, and student and personal loan debt averaging between $17,000-$21,000. [27] The highest income group averages double that--with $41,000 on average--in student and personal loans, potentially from securing an advanced degree or starting a business or private practice. [27] Overall, average retirement income has increased in the past year, likely due to gains in the stock market and rising home prices. [26] Mean or average income is calculated by totaling each household?s income and then dividing by the number of households. [26] On average, people in every income bracket have 1-2 months of monthly salary in cash. [27] While men and women have similar average debt and cash balances, the big difference comes in the form of investment balances. [27] The average is a ratio of around 2, according to Accounting Explained, but higher is better: a higher ratio means that you have more money and less debt. [28]

Interestingly, applicants earning between $120-$150,000 have larger retirement accounts on average than those making more than $150,000. [27] MOUNT AIRY, N.C., Feb. 22, 2018 (GLOBE NEWSWIRE) -- Surrey Bancorp (the "Company") (Pink Sheets:SRYB), the holding company for Surrey Bank & Trust, today reported earnings for the fourth quarter of 2017 and the full year. [9] Earnings : You?ve probably got this one! It refers to the amount of profit you make in a specific period of time--usually a quarter or a full year. [28] Retained earnings is a number that shows an accumulation of profits for a company from year to year. [29] If a company had $10,000 in retained earnings last year and shows $19,000 in retained earnings this year with $7,000 in dividends paid, the net income is $16,000: $19,000 - $10,000 + $7,000. [29] This represents a 15.9 percent decrease in profitability from year-end 2016, when the Company reported earnings of $3,596,628, or $0.86 per fully diluted common share. [9] The Company reported diluted earnings per common share of $0.26 for the three months ended December 31, 2017, up 24% compared to the $0.21 per diluted common share for the three months ended September 30, 2017. [10] For the twelve months ended December 31, 2017, the Company reported diluted earnings per common share of $0.90, as compared to diluted earnings per common share of $1.01 for the twelve months ended December 31, 2016, a decrease of 11%. [10]

Reflecting our earnings and our capital position, the Board of Directors last night declared a quarterly cash dividend on the Company?s common stock of $0.17 per share. [10] This translates into diluted earnings per common share of $0.26 as compared to $0.21 per diluted common share for September 30, 2017, a 24% increase. [10] Net income can be distributed among holders of common stock as a dividend or held by the firm as an addition to retained earnings. [30] As profit and earnings are used synonymously for income (also depending on UK and U.S. usage), net earnings and net profit are commonly found as synonyms for net income. [30]

Retained earnings actually include the current year's earnings held over by the company plus the previous years. [29] Retained earnings help the company look at growth from year to year, with the inclusion of dividends paid to shareholders. [29]

One explanation may be that earning an MBA typically only typically only takes two years and degree-holders are not out of the workforce for long. [27] Fast forward 30 years and that same gap, invested in a fund earning 5% annually and no further contributions), that gap will more than quadruple to $32,161. [27]

To isolate net income, subtract beginning retained earning and add dividends to both sides. [29]

We calculate our efficiency ratio by dividing our operating expenses by the sum of our net interest income and non-interest income. [10] If you calculate that additional benefit over a 30 year time period, then waiting would mean $108,000 in additional retirement income. [26] If you?re keeping your business records and financial statements up to date, you can calculate your EBITDA coverage ratio on your own. [28] Comparison of our efficiency ratio with those of other companies may not be possible, because other companies may calculate the efficiency ratio differently. [9]

Find out how to compare your income to averages in your own zip code. [26] Applicants in the lower income levels struggle to save more than they owe, resulting in negative average net worth for those making less than $60,000. [27] Personal Captial will give you a complete picture of your net worth, compare yourself to others average net worth in your age or income bracket and track progress towards your goals. [31] The national retirement income averages might be interesting, but not useful to you. [26] The best data about average retirement income comes from the U.S. Census Bureau. [26] The average Social Security income for all retired workers in 2018 will be $1,404. [26] Let?s take a look at why average retirement income 2018 is remaining relatively static. [26] Knowing about everyone?s average retirement income is interesting and one way to benchmark your future security. [26]

On average, men have higher net worth than women, primarily due to larger investment account balances. [27] On average, women have investment account balances totaling $19,541 compared to the male average of $26,717. [27]

Those making more than $150,000 per year have the highest average balances in their checking, savings and banking accounts. [27] The average debt balance for those with a median age 35 jumps up to $32,125. [27] Women have slightly less debt, on average than men: $23,511 versus $24,095. [27]

The cost of funds decreased slightly from 0.40 percent in the fourth quarter of 2016 to 0.37 percent in the fourth quarter of 2017 as certificates of deposit made up a lower percentage of average deposits. [9] This decrease was offset by loan growth as average loans outstanding increased 3.4 percent from $211,972,499 in 2016 to $219,285,285 in 2017. [9]

Average Net Worth By Age: How Do You Stack Up? meta name"description" content"Net worth is a useful tool to gauge your overall financial picture. [31] Applicants with Doctor of Osteopathic Medicine (D.O.M.) and Doctor of Dental Surgery (D.D.S.) degrees have the lowest net worth, while applicants with Masters of Business Administration (M.B.A.) degrees have the highest average net worth, on average. [27] On average, young professional men and women both have positive net worth. [27] Men have more than double the net worth of women, averaging $12,188 compared to the female average of $5,541. [27] The average net worth for people living in the United States under age 35 is just $6,676. [31] The youngest applicants, under age 25, have an average of $6,799 in investment accounts, and only $3,529 in their retirement accounts. [27] The youngest applicants have about $6,000 in cash, while those around age 35 have an average of $13,347 in cash. [27] In just the last year, the average home price increase was 5.92% according to the Case-Shiller U.S. National Home Price Index. [26]

Reflecting this quarter?s growth, common stockholders? equity represented 12.81% of total assets at December 31, 2017 compared to 12.91% at September 30, 2017 and 12.52% at December 31, 2016. [10] Total assets at December 31, 2017 were $49.1 billion, up 1.4% (5.5% annualized) compared to the balance at September 30, 2017 and up 0.4% compared to December 31, 2016. [10] Total assets were $300,509,941 as of December 31, 2017, an increase of 8.4 percent from $277,102,385 reported as of December 31, 2016. [9] Non-performing assets were 0.16 percent of total assets at December 31, 2017, compared to 0.54 percent on that date in 2016. [9]

"Although it is theoretically possible to calculate profits for any sub-(venture), such as a product or region, often the calculations are rendered suspect by the need to allocate overhead costs." [30]

RANKED SELECTED SOURCES(31 source documents arranged by frequency of occurrence in the above report)

1. (73) FDIC: Quarterly Banking Profile

2. (29) Invesco Mortgage Capital Inc. Reports Second Quarter 2018 Financial Results - MarketWatch

3. (21) How Age, Income, Degree, and Gender Affect Your Net Worth | Earnest

4. (20) New York Community Bancorp, Inc. - New York Community Bancorp, Inc. Reports Fourth Quarter 2017 Diluted Earnings Per Common Share of $0.26 and Full Year 2017 Diluted Earnings Per Common Share of $0.90

5. (16) Return on Assets - ROA Formula, Calculation, and Examples

6. (16) Use the Dupont Model for ROI Analysis

7. (16) Surrey Bancorp Reports 2017 Earnings of $3,026,907

8. (15) How to calculate your debt to asset ratio

9. (15) Average Retirement Income 2018: How Do You Compare? | NewRetirement

10. (14) How to Calculate Return on Assets (ROA)

11. (14) How to Calculate Net Worth - The Simple Dollar

12. (14) Annaly Capital Management, Inc. Reports 1st Quarter 2018 Results - Annaly

13. (13) Net Operating Assets: Definition & Calculation - Video & Lesson Transcript |

14. (12) Average annual yield Definition |

15. (12) Sunrun Reports Fourth Quarter and Full Year 2017 Financial Results | Sunrun Inc

16. (9) OnDeck Reports Second Quarter 2018 Financial Results - OnDeck

17. (8) Net Interest Margin

18. (8) Basic Earning Power (BEP) Ratio | Formula | Example

19. (7) What net interest margin is typical for a bank? | Investopedia

20. (7) The Easiest Way to Calculate Your EBITDA Coverage Ratio

21. (7) How to Find Net Income Using the Retained Earnings |

22. (7) Banking | Asian Banks Search for Yield Overseas

23. (7) Earning Assets

24. (6) The Average Salary of a Millennial - SmartAsset

25. (5) How to calculate the net interest margin (NIM) from a bank financial statement - Quora

26. (4) Formulas and Financial Ratios for the Income Statement

27. (4) How to Calculate Your Savings Rate - DQYDJ

28. (4) Net income - Wikipedia

29. (3) Financial Highlights

30. (3) Average Net Worth By Age: How Do You Stack Up?

31. (2) OnDeck Reports Fourth Quarter and Full Year 2017 Financial Results

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