Dudley Bank has the following balance sheet and income statement.

For Dudley Bank, calculate:

a. (5.0 pts) Return on equity

b. (5.0 pts) Return on assets 3

c. (5.0 pts) Asset utilization

d. (5.0 pts) Equity multiplier

e. (5.0 pts) Profit margin

f. (5.0 pts) Interest expense ratio

g. (5.0 pts) Provision for loan loss ratio

h. (5.0 pts) Noninterest expense ratio

i. (5.0 pts) Tax ratio

j. (5.0 pts) Overhead efficiency

l. (5.0 pts) Total operating income

m. (5.0 pts) Spread

Assets Liabilities and Equity Income Statement