A- profitability Ratios:1- Net interest margin: NIM= net interest income/ total interest earning assets

2010 net interest Interest - earning assets NIM 508,774.00

2009 466,585.00

24,927,040.00 22,109,781.00 2.04% 2.110%

Net interest margin is a measure of the difference between the interest income generated by the bank and the amount of interest paid out to its lender relative to the amount if its (interest earning) assets .it examines how successful the bank investment decision and from the above table we can conclude that the bank was more successful in its investment decision in 2009 (2.110%) than in 2010 (2.04%).

2- Return on assets : ROA= net income / total assets 2010 net income total assets ROA 292,199.00 2009 226,086.00

26,457,461.00 23,573,974.00 1.10% 0.96%

From the above table we can notice that the profit the bank generated from each $1 in assets is higher in 2010 ( for each $1 in assets the banks earns $0.011) than in 2009 ( for each $1 in assets the banks earns $ 0.0096). We can also notice that the bank is an assets-intensive business ( which means more money must be reinvested into it to continue generating earnings).

3-Return on Equity : ROE= ROA/1-(debt/assets)

2010 0.0110 23,705,286.00 26,457,461.00 0.104 10.62% 2009 0.0096 20,992,543.00 23,573,974.00 0.110 8.76%

ROA debt assets 1debt/assets ROE

From the above table we can see that the return on equity( which shows how much profit the bank is generating with the money the shareholders have invested) in 2010(10.62%) is higher than 2009( 8.76%). Which means that management in the bank have become more efficient in utilizing its equity base .

B- capital adequacy ratios: 1- shareholder's equity / total assets

2010 stock holder's equity total assets 2,752,175.00

2009 2,581,431.00

26,457,461.00 23,573,974.00 10.40% 10.95%

This ratio shows the ability of capital to support the further growth of assets and the above table show that this ability was better in 2009 than in 2010.

2- total debt / shareholder's equity

2010 total debt shareholder's equity 23,705,286.00 2009 20,992,543.00

2,752,175.00 2,581,431.00 8.61 8.13

This ratio shows the ability to raise additional debt capital and the above table shows that this ability increased from 8.13 in 2009 to 8.61 in 2010. C- Debt utilization ratios: 1- Debt to total assets: =Debt /Total assets
2010 debt (liabilities ) total assets Debt to total assets 23,705,286.00 2009 20,992,543.00

26,457,461.00 23,573,974.00 89.60% 89.05%

This ratio is a metric used to measure a company's financial risk by determining how much of the company's assets have been financed by debt. The above table shows that the amount of debt used to finance the bank's assets increased in 2010 . it also show that the bank depends mostly on debt to finance its assets.