calculate:

1. Net non-interest margin

2. Net operating margin

Interest income Interest expense Total assets Securities losses or gains Earning assets Total liabilities Taxes paid $2,150.00 1,500.00 44,000.00 21.00 Shares of common stock outstanding Noninterest income Noninterest expense 40,000.00 38,000.00 16.00 Provision for loan losses 5,000 $800.00 900.00 250.00