3. The financial statements for MIB Bank are shown below: Balance Sheet Assets Liabilities and Equity Cash S 400 Demand deposits $ 3,000 Demand deposits from other Fls 700 Small time deposits 5,000 Investments 2,000 Jumbo CDs 1,200 Federal funds sold 1,000 Federal funds purchased 1,000 Loans 6,500 Equity 800 Reserve for loan losses -400 Premises 800 Total Assets 11,000 Total Equity and Liabilities 11,000 Income Statement Interest Income $ 2,500 Interest expense 1,680 Provision for loan losses 100 Noninterest income 200 Noninterest expense 450 Taxes 50 a. Calculate earning assets (2 marks) b. Calculate ROA (2 marks) c. Calculate asset utilization ratio (2 marks) d. Interest expense ratio (2 marks) e. Provision for loan loss ratio (2 marks) f. Calculate spread (2 marks) g. Calculate net interest margin (2 marks) h. Calculate overhead efficiency (2 marks) and write down your comments? i. If UCM bank has spread 3% and overhead efficiency 60%, can you compare with these two banks j. What are the different characteristics between MIB bank and UCM bank and write down your (4 marks) comments? (4 marks)