4. Calculate the following performance measures listed in the image below.

Part Two Financial Statements and Financial-Firm Peformance Smiling Merchants National Bank Report of Condition Assets Cash and deposits due from banks Investment securities Federal funds sold Net loans (Allowance for loan losses-25) (Unearned income on loans = 5) Net Fixed Assets Total assets Liabilities Demand deposits Savings deposits Time deposits Federal funds purchased Total liabilities Equity capital Common stock Surplus Retained earnings Total capital Interest-bearing deposits $190 180 470 80 900 $100 150 700 50 980 20 35 Total earning assets 860 650 Fill in the missing items on the income and ex ments, calculate the following performance measures: ROE ROA Net interest margin Net noninterest margin Net operating margin Earnings spread Net profit margin What strengths and weaknesses are you able to detect in Happy Merchants' performance Using these state- Asset utilization Equity multiplier Tax management efficiency Expense control efficiency Asset management efficiency Funds management efficiency Operating efficiency ratic Part Two Financial Statements and Financial-Firm Peformance Smiling Merchants National Bank Report of Condition Assets Cash and deposits due from banks Investment securities Federal funds sold Net loans (Allowance for loan losses-25) (Unearned income on loans = 5) Net Fixed Assets Total assets Liabilities Demand deposits Savings deposits Time deposits Federal funds purchased Total liabilities Equity capital Common stock Surplus Retained earnings Total capital Interest-bearing deposits $190 180 470 80 900 $100 150 700 50 980 20 35 Total earning assets 860 650 Fill in the missing items on the income and ex ments, calculate the following performance measures: ROE ROA Net interest margin Net noninterest margin Net operating margin Earnings spread Net profit margin What strengths and weaknesses are you able to detect in Happy Merchants' performance Using these state- Asset utilization Equity multiplier Tax management efficiency Expense control efficiency Asset management efficiency Funds management efficiency Operating efficiency ratic