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
• Burden Ratio
• Tax Ratio