a) Return on equity. b) Return on assets. c) Assets utilization. d) Equity multiplier. e) Prot margin. f) Interest expense ratio. g) Provision for loan losses. h) Noninterest expense ratio.

Problem A bank's balance sheet and income statement is given. Based on the given information, calculate the quantities in a)-h). Assets Cash and due from banks Investment securities Repurchase agreements Loans Fixed assets Other assets Liabilities and Equity 9000 Demand deposits 19000 23000 NOW accounts 89000 42000 Retail CDs 28000 90000 Debentures 19000 15000 Total liabilities 155000 4000 Common stock 12000 Paid-in capital 4000 Retained earnings 12000 183000 Total liabilities/equity 183000 Total assets Income statement Interest on loans Interest on investment securities Interest on REPOs Interest on bank deposits Total interest income Interest on deposits Interest on debentures Total interest expense Net interest income Provision for loan losses Noninterest income Noninterest expenses Income before taxes Taxes Net income 9000 4000 6000 1000 20000 9000 2000 11000 9000 2000 2000 1000 8000 3000 5000