= Citizen Bank has the following financial information: a. Net income = $234,000, b. Total operating income = $1,350,000, c. asset utilization = 12%, if the bank's ROE is 25%, what is the equity multiplier of the bank? What are the labilities/total assets ratio? = Citizen Bank has the following financial information: a. Net income = $234,000, b. Total operating income = $1,350,000, c. asset utilization = 12%, if the bank's ROE is 25%, what is the equity multiplier of the bank? What are the labilities/total assets ratio