Determine the amount of Bluebird State Banks current net income after taxes from the figures below (stated in millions of dollars) and the amount of its retained earnings from current income that it will be able to reinvest in the bank. (Be sure to arrange all the figures given in correct sequence to derive the banks Report of Income.) Effective tax rate 28% Interest on loans $90 Employee wages, salaries, and benefits 13 Interest earned on government bonds and notes 9 Provision for loan losses 5 Overhead expenses 3.