Dudley bank has the following balance sheet and income statement.

Balance sheet (in Millions)

Asset Liabilities and Equity

Cash and due from banks..$ 7,500 Demand Deposits$ 15,500

Repurchase Agreement ..$ 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

Retain Earnings$ 6,125

Total Liabilities and Equity$ 137,500

Income Statement

Interest on fees and loans. $ 6,715

Interest on repurchase agreement. $ 143

Interest on other Investment securities$ 1,705

Interest on deposit in bank. $ 60

Total Interest Income. $ 8,623

Interest on Deposit$ 3,018

Interest on Debenture $ 1,140

Total Interest expense$ 4,158

Net Interest Income$ 4,465

Provision for loan losses$ 200

Non-interest Income$ 950

Non-interest expenses. $ 1,720

Income Before taxes..$ 3495

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