Assets	$M	Liabilities & Equity	$M
Cash and cash equivalents	15000	Checking accounts	95000
Treasury Securities	35000	NOW accounts	33000
Repurchase Agreements	62000	Retail CD instruments	38000
Consumer Loans	110000	Debt instruments	25000
Buildings and premises	7500	Total Liabilities	191000
Other assets	5000	Common stock	19000
Total Assets	234500	Paid in capital	5000
		Retained earnings	19500
		Total Liabilities and Equity	234500

Income Statement	$M
Interest on loans and fees	8500
Interest on Treasury securities	3200
Interest on repurchase agreements	7600
Interest on deposits in banks	2500
Total Interest Income	21800
Interest on deposits	9200
Interest on debt instruments	3500
Total Interest Expense	12700
Operating Income	13700
Provision for loan losses	3500
Other income	4000
Other expenses	2300
Income before taxes		Need to compute
Taxes	5000
Net Income		Need to compute

a. Return on Equity

b. Return on Assets

c. Asset Utilization

d. Equity Multiplier