The other three key ratios to examine are, Net Interest Margin, Spread, and Overhead ratio. Net Interest Margin measures the return on a banks earning assets and the higher the better in most cases. Spread is the difference between the average yield on earning assets and the average cost of interest bearing liabilities.
High spreads mean high profits.
This means that Harris is not getting a good return on its earning assets, however, Harris has closed the gap significantly over the three year period. These numbers mean that Harris is paying out more than it is earning on its assets. The most troubling part is that the numbers get worse in each successive year. This is a definite area to concentrate on improving for Harris in the future. The large change can be attributed to large increase in non-interest income and a slight drop in expenses.