Balance Sheet
Assets			Liabilities and Equity
Cash and due from banks	9000		Demand deposits	19000
Investments	23000		NOW accounts	89000
Repurchase agreements	42000		Retail CDs	28000
Net loans	90000		Debentures	19000
Fixed assets	15000		Common stock	12000
Other assets	4000		Paid-in capital	4000
			Retained earnings	12000
Total assets	183000		Total liabilities/equity	183000

Income Statement
Interest on fees and loans	9000
Interest on investment securities	4000
Interest on repurchase agreements	6000
Interest on deposits in banks	1000
Total interest income	20000
Interest on deposits	9000
Interest on debentures	2000
Total interest expense	11000
Net interest income	?
Provision for loan losses	2000
Noninterest income	2000
Noninterest expense	1000
Income before taxes	8000
Taxes	3000
Net income	?

1-What is MB's net interest margin?

2-What is MB's spread?

3- What is MB's overhead efficiency?