For the most recent quarter, Mississippi banks had an average return on assets of 80 basis points. The average bank also had loss allowance as a percentage of all loans of 1.29%. Net interest margin had fallen to 3.89% whereas in the previous quarter, it was 4.05%

You assignment is to pick a bank and compare these performance measures to the average listed above. The bank should be a bank headquartered in Mississippi. It can be where you bank, one from your hometown, or any you happen to choose. You will go to www.fdic.gov, then click on the “bankers” link, then “Institution Directory” on the left of the page, then the bar that says “institutions.” This process will take you to http://www2.fdic.gov/idasp/main.asp and from there, you can choose your bank by searching on name, or by town. You should also address if comparing your bank to the average Mississippi bank is the best choice (hint: note the UBPR comparison from Chapter 2 to help form your opinion).

Turn in your results by September 14, 2009 at the start of class. The memo should be in traditional form (to, from, date, etc.) and should be clearly written and concise. You will be graded on proper analysis (e.g., the bank you chose is performing better than the average bank as shown by higher ROA), grammar, and form.

If you have any questions, please email me.

Date	Topic	Instructions
8-15-08	Syllabus	Click here for the syllabus.
8-15-08	Notes	Click here for the first section of notes.
9-10-09	Assignment	For the most recent quarter, Mississippi banks had an average return on assets of 80 basis points. The average bank also had loss allowance as a percentage of all loans of 1.29%. Net interest margin had fallen to 3.89% whereas in the previous quarter, it was 4.05% You assignment is to pick a bank and compare these performance measures to the average listed above. The bank should be a bank headquartered in Mississippi. It can be where you bank, one from your hometown, or any you happen to choose. You will go to www.fdic.gov, then click on the “bankers” link, then “Institution Directory” on the left of the page, then the bar that says “institutions.” This process will take you to http://www2.fdic.gov/idasp/main.asp and from there, you can choose your bank by searching on name, or by town. You should also address if comparing your bank to the average Mississippi bank is the best choice (hint: note the UBPR comparison from Chapter 2 to help form your opinion). Turn in your results by September 14, 2009 at the start of class. The memo should be in traditional form (to, from, date, etc.) and should be clearly written and concise. You will be graded on proper analysis (e.g., the bank you chose is performing better than the average bank as shown by higher ROA), grammar, and form. If you have any questions, please email me.
9-23-09	Job Possibility	I have a banker in Greenville who is looking for someone to interview for a job in the delta. If you are interested, email me your resume.
10-12	Next Section	Here are the notes for the next section.
10-12	Symposium	Go to https://secure.rebelnetwork.olemissalumni.com/olc/pub/MPP/event/showEventForm.jsp?form_id=5188 to sign up for the Symposium. Banking and Finance students can choose "Pay at the Door" to sign up.
10-12	Symposium Brochure	Here is the brochure too. Do not forget about the reception on Thursday night.
10-19	Practice	Here are the practice problems.
10-20	Bond Practice	Here are bond practice problems. You are not responsible for future value in question 1 on this test, but will be on the next one.
11-3	Case 2	Your retirement case assignment is here. You will be graded on the accuracy of your numbers, although I do not want to see formulas in your memo to me. It is due November 16. Make sure I can follow what you did, such as how old you are, the method you used to calculate the numbers, and the numbers for each part.
11-16	TVM	Here is some time value of money practice using both nominal and EAY rates. There is also practice for converting nominal to EAR/EAY and vice-versa.