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Measuring and Evaluating Financial Performance

Subject: Customer Relationship Management

Paper Model: APA

Paper Type: Assignment

Total Words: 847

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Document Outline

ii.    Balance Sheet:
•    Loans and Leases
•    Securities
•    Total deposits
•    Total time deposits


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Question:

  1. Examine the quality and quantity of financial condition and financial performance by examining the balance sheet, income statement and selected financial ratios.

Answer:

The financial condition of the bank can be determined by examining the financial statements of the bank. These financial statements are taken for five years from 2010-2014. The financial statements along with the financial ratios can determine the financial health of the bank. The following is an analysis of the financial statements and the items in these financial statements are discussed to understand their influence on the overall financial health of the bank.

  • ii. Balance Sheet:

The balance sheet comprises of the assets, liabilities and shareholders’ equity. The total assets for the Bank of America has increased over time. There are several items constitute the overall change in the total assets of the bank. The following items on balance sheet play a major part in the changes of total assets.

  • Loans and Leases

Total loans and leases have increased over time, increasing the loan loss allowance. In addition to that, the real estate loans have a diminishing trend over the years and it reduced over time. Loan to individuals include the credit cards, automobile loans and other revolving credit plans. Loans to individual has increased substantially over time.

  • Securities

Securities include all kind of securities like mortgage etc., the securities account of bank of America has increased implying an increment in the total assets of the bank.

The total liabilities of the bank of America would identify the debts of every nature. The liabilities of the bank of America has several items on it, which constitute toward total liability.

  • Total deposits

The total deposits have increased over time and it includes the deposits held in domestic offices, individual, partnership and corporations. Transaction accounts and demand deposits have also increased.


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