7Q. MSM Bank has the following balance sheet and income statement Balance sheet for MSM bank (in ,000) Assets Cash and due from banks Investment securities Repurchase agreements Loans Fixed assets Other assets Total a. Return on equity b. Reton assets c. Asset utilization d. Equity multiplier e. Profit margin 9000 23000 42000 90000 15000 4000 Calculate For MSM bank, calculate: 183000 Interest on deposits Interest on debentures Total interest expense Net interest Income Provision for loan losses Non-interest income Non-interest expenses Income before taxes Taxes Net Income f. Interest expense ratio g. Provision for loan loss ratio h. Noninterest expense ratio 1. Tax ratio Liabilities & Equity Income statement MSM bank (in ,000) Interest on fees and loans Interest Investment securities Interest on repurchase agreements Interest on deposit in banks Total interest income Demand deposits NOW accounts Retail CDs Debentures Total liabilities Common stock Paid-in capital surplus Retained earning Total Equity 9000 4000 6000 20000 9000 2000 11000 9000 -2000 2000 -1000 8000 -3000 5000 19000 89000 28000 19000 155000 12000 4000 12000 183000