Calculate the following ratios for each year: Interest expense ratio, Provision for loan loss ratio, Non-interest expense ratio, Net interest margin, and Bank spread. (Hint: "Other liabilities do not bear interest) (In million $) Balance Sheet Year: 2005 Year: 2006 Assets Cash 36,999 36,429 Short term securities with interest purcha 149,785 135,478 Investment securities with interests 245,315 192,846 Loans 573,791 706,490 Allowance for loans and lease losses 8,045 9,016 Net loans 565,746 697,474 Premises and Equipment 7,786 9,255 Trading account securities 131,707 153,052 Time deposits placed 12,800 13,952 Intangible assets 51,354 75,084 other assets 90,311 146,167 Total Assets 1,291,803 1,459,737 Liabilities Non-interest deposits Interest bearing deposits Short term debt Other liabilities without interest Short term securities with interest sold Long term debt Total Liabilities 186,736 447,934 116,269 97,828 240,655 100,848 1,190,270 184,808 508,689 141,300 126,141 217,527 146,000 1,324,465 Total Equity 101,533 135,272 Income Statement Total interest income Total interest expense Total non-interest income Total non-interest expense Provision for loan losses Income Taxes Special items Year: 2005 Year: 2006 58,626 78,585 27,899 43,994 26,438 37,989 28,269 34,792 4,014 5,010 8,015 10,840 (412) (805) Net income from continuing operations Net income from total operations Net Income 16,465 16,465 16,465 21,133 21,133 21.133