The following are statistics from the annual report of McEttrick National Bank:

2001 2000 Average loans $16,000,000 $13,200,000 Average total assets 26,000,000 22,000,000 Average total deposits 24,000,000 20,000,000 Average total capital 1,850,000 1,600,000 Interest expenses 1,615,000 1,512,250 Interest income 1,750,000 1,650,000 Required

a. Calculate the total deposits times capital for each year.

b. Calculate the loans to total deposits for each year.

c. Calculate the capital funds to total assets for each year.

d. Calculate the interest margin to average total assets for each year.

e. Comment on any trends found in the calculations of

(a) through (d).