3. The following information is for Blue Sky National Banki Interest income $2,200 Interest expense - $1,400 Total assets $45,000 Earning assets $40,000 Interest bearing liabilities $37,000 Noninterest income $850 Noninterest expense --- $900 Provision for loan losses $100 1) Earnings Spread 2). Net noninterest margin 3) Operating Efficiency (Hint: Total Operating Revenue = interest Income + Noninterest Income + Realized Security Gains or Losses)) 4) EFF (Efficiency ratio)