Bank Performance Simulator

Bank Metrics

Total Deposits ($)

Total Loans ($)

Number of Employees

Average Loan Yield (%)

5.25%

Average Deposit Cost (%)

0.75%

Non-Interest Expenses ($)

Performance Metrics

Net Interest Margin

3.50%

Interest income minus interest expense divided by earning assets

Efficiency Ratio

65.00%

Non-interest expense divided by revenue

Revenue Per Employee

$266,667

Total revenue divided by number of employees

Return on Assets

1.20%

Net income divided by total assets

Net Income

$3,000,000

Total revenue minus total expenses

Scenario Adjustments

Toggle these adjustments to see their impact on your performance metrics.

Increase Loan Yield

Add 25 basis points to all loan yields

25 bps

Reduce Deposit Costs

Reduce deposit costs by 15 basis points

15 bps

Reduce Staff

Reduce staff by 5 employees (6.7%)

5 FTE

Reduce Expenses

Reduce non-interest expenses by 5%

Combined Impact

Applying all adjustments would result in:

Net Income Change: +$0

Scenario Summary

Metric	Current	With Adjustments	Change	Impact
Net Interest Margin	3.50%	3.50%	0.00%	-
Efficiency Ratio	65.00%	65.00%	0.00%	-
Revenue Per Employee	$266,667	$266,667	$0	-
Return on Assets	1.20%	1.20%	0.00%	-
Net Income	$3,000,000	$3,000,000	$0	-