Bank Ratio Analysis The financial statements for Midterm Exam Bank are shown below (all amounts in $000s). Round all answers to two decimal places (e.g. 4.25%) $ 9,500 15,700 Balance Sheet Midterm Exam Bank Assets Liabilities and Equity Cash S 1,650 Brokered deposits Demand deposits from other Fls 2,000 Small time deposits Investments 7,700 Jumbo CDs Federal funds sold 750 Federal funds purchased Loans 19,250 Equity Reserve for loan losses (2,500) Branches and offices 5,000 2,540 2,800 3,310 Total assets $ 33,850 Total liabilities/equity $33,850 Income Statement Midterm Exam Bank Interest income $ 6,025 Interest expense 3,495 Provision for loan losses 750 Noninterest income 870 Noninterest expense 1015 Taxes 350 a. What is MEB's AU ratio? (3pt) b. What is MEB's Equity Multiplier (EM)? (3pt) c. What is MEB's NIM? (3pt) d. Discuss MEB's ROA and ROE. Which is larger? Is this in line with industry norms? Which metric is more important to shareholders of MEB? (5pt) Bank Ratio Analysis The financial statements for Midterm Exam Bank are shown below (all amounts in $000s). Round all answers to two decimal places (e.g. 4.25%) $ 9,500 15,700 Balance Sheet Midterm Exam Bank Assets Liabilities and Equity Cash S 1,650 Brokered deposits Demand deposits from other Fls 2,000 Small time deposits Investments 7,700 Jumbo CDs Federal funds sold 750 Federal funds purchased Loans 19,250 Equity Reserve for loan losses (2,500) Branches and offices 5,000 2,540 2,800 3,310 Total assets $ 33,850 Total liabilities/equity $33,850 Income Statement Midterm Exam Bank Interest income $ 6,025 Interest expense 3,495 Provision for loan losses 750 Noninterest income 870 Noninterest expense 1015 Taxes 350 a. What is MEB's AU ratio? (3pt) b. What is MEB's Equity Multiplier (EM)? (3pt) c. What is MEB's NIM? (3pt) d. Discuss MEB's ROA and ROE. Which is larger? Is this in line with industry norms? Which metric is more important to shareholders of MEB? (5pt)