Dudley Bank has the following balance sheet and income statement.

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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 2275. For Dudley Bank, calculate:

Return on equity

Return on assets

Asset utilization

Equity multiplier

Profit margin

Interest expense ratio

Provision for loan loss ratio

Noninterest expense ratio

Tax ratio

Overhead efficiency

Balance Sheet (in millions)