Megalopolis Bank has the following balance sheet and income statement.

Balance Sheet (in millions)
Assets Liabilities and Equity Cash and due from banks $ 9,000 Demand deposits $ 19,000 Investment securities 23,000 NOW accounts 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 $183,000 Income Statement Interest on fees and loans $ 9,000 Interest on investment securities 4,000 Interest on repurchase agreements 6,000 Interest on deposits in banks 1,000 Total interest income $20,000 Interest on deposits $ 9,000 Interest on debentures 2,000 Total interest expense $11,000 Net interest income $ 9,000 Provision for loan losses 2,000 Noninterest income 2,000 Noninterest expenses 1,000 Income before taxes $ 8,000 Taxes 3,000 Net income $ 5,000 For Megalopolis, calculate:

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 AppendixLO1