Your question is Leverage and Interest Coverage Ratios. Take a moment with it on the right.
Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).
How do you calculate leverage and interest coverage ratios, and why are they vital for assessing risk in Banner Bank's loan portfolio?
Explain the formulas, identify the relevant financial statement line items, distinguish gross from net leverage, and discuss how the ratios inform credit risk, covenant monitoring, and lending decisions. No borrower-specific financial data are provided, so focus on the calculation framework and interpretation rather than producing a numerical ratio.
