Construct a balance sheet and Income statement for Davie National Bank with the following information.

Investment Securities $23000

Demand Deposits $19000

Now accounts $89000

Cash and due from banks $9000

Taxes $3000

Interest on fees and loans $9000

Retail CDs $28000

Long term debt $19000

Reverse Repos $42000

Interest on investment securities $4000

Interest on long term debt $2000

Loans $90000

Fixed Assets $15000

Interest on reverse repos $6000

Interest on deposits $9000

Other assets $4000

Paid in capital $4000

Retained earnings $12000

Common stock $12000

Interest on deposits in other banks $1000

Provision for loan losses $2000

Other income $2000

Other expenses $1000

Calculate the following ratios:

Net Interest Margin

Profit Margin

ROE

ROA

Spread Ratio

Asset Utilization Ratio

Equity Multiplier

Provision for loan loss ratio