Calculate the Following Ratios

Net Interest Margin

Profit Margin

ROE

ROA

Spread Ratio

Asset Utilization Ratio

Equity Multiplier

Provision for loan loss ratio

Boca State Bank Income Statement Month Ending July 31, 2020 Boca State Bank Balance Sheet July 31, 2020 Income Amount($) $9,000 $4,000 Interest on fees and loans Interest on investment securities interest on reverse repos interest on deposits in other banks Total Income Assets Cash and due from banks Investment securities Reverse Repos Loans Fixed asset other asset Total asset Amount $9,000 $23,000 $42,000 $90,000 $15,000 $4,000 Liabilities and equity Demand deposit Now accounts Retai CDs Long Term Debt Total liabilities Amount $19,000 $89,000 $28,000 $19,000 $6,000 $1,000 $155,000 $20,000 $183,000 Expenses Less:Interest on deposits Less:Interest on long term debt Total Interest Expense Net Interest Income ($9,000) ($2,000) Shareholder's Equity Common stock Paid in capital Retained earnings Total equity $12,000 $4,000 $12,000 $28,000 ($11,000) $9,000 Total Equity and Liabilities $183,000 Non-Interest Expenses Less :Provision for loan losses Add :Other income Less:Other expense EBIT Less :Taxes Net income ($2,000) $2,000 ($1,000) $8,000 ($3,000) $5,000