Dudley Bank has the following balance sheet and income

statement. $($LG $12-5)$

Balance Sheet $($in millions$)$

Assets Liabilities and Equity

Cash and due

from banks $ $7,500$

Demand

deposits $ $15,500$

Balance Sheet $($in millions$)$

Assets Liabilities and Equity

Repurchase

agreements $13,000$ NOW accounts $35,625$

Other investment

securities $34,050$ Retail CDs $57,000$

Loans $70,500$ Debentures $14,250$

Fixed assets $9,250$ Total liabilities $$122,375$

Other assets $3,200$ Common stock $5,000$

Total assets $$137,500$ Paid$-$in capital $4,000$

Retained earnings $6,125$

Total liabilities

and equity $$137,500$

Income Statement

Interest on fees and loans $$6,715$

Interest on repurchase agreements $143$

Interest on other investment securities $1,705$

Interest on deposits in banks $60$

Total interest income $$8,623$

Interest on deposits $3,018$

Interest on debentures $1,140$

Total interest expense $$4,158$

Net interest income $$4,465$

Provision for loan losses $200$

Noninterest income $950$

Noninterest expenses $1,720$

Income before taxes $$3,495$

Taxes $1,220$

Net income $$2,275$

For Dudley Bank, calculate:

a$.$ Return on equity

b$.$ Return on assets

c$.$ Asset utilization

d$.$ Equity multiplier

e$.$ Profit margin

f$.$ Interest expense ratio

g$.$ Provision for loan loss ratio

h$.$ Noninterest expense ratio

i$.$ Tax ratio

j$.$ Overhead efficiency