Old Settlers State Bank has recorded the following financial data for the past three years (dollars in millions):
| Current Year | Previous Year | Two Years Ago |
Interest revenues | $80 | $82 | $84 |
Interest expenses | 66 | 68 | 70 |
Loans (Excluding nonperforming) | 400 | 405 | 400 |
Investments | 200 | 195 | 200 |
Total deposits | 450 | 425 | 475 |
Money market borrowings | 100 | 125 | 75 |
What has been happening to the bank’s net interest margin? What do you think caused the changes you have observed? Do you have any recommendations for Old Settlers management team?
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