Megalopolis Bank has the following balance sheet and income statement. (LG 12-5) Balance Sheet (in millions) Assets Liabilities and Equity Cash and due Demand from banks Investment securities $ 9,000 deposits 23,000 NOW accounts $ 19,000 89,000 Repurchase agreements 42,000 Retail CDs 28,000 Loans 90,000 Debentures 19,000 Fixed assets 15,000 Total liabilities $155,000 Other assets 4,000 Common stock 12,000 Total assets $183,000 Paid-in capital 4,000 Retained earnings 12,000 Total liabilities and equity Income Statement Interest on fees and loans Interest on investment securities Interest on repurchase agreements Interest on deposits in banks Total interest income $183,000 $ 9,000 4,000 6,000 1,000 $20,000 Interest on deposits Interest on debentures Total interest expense Net interest income Provision for loan losses Noninterest income Noninterest expenses Income before taxes Taxes $ 9,000 2,000 $11,000 $ 9,000 2,000 2,000 Net income For Megalopolis, calculate: 1.000 $ 8,000 3,000 $ 5,000

a. Return on equity

b. Return on assets

c. Asset utilization

d. Equity multiplier

e. Profit margin

f. Interest expense ratio g. Provision for loan loss ratio h. Noninterest expense ratio i. Tax ratio