For this project, you should look up the UBPR for two banks: Town and Country Bank Midwest (Quincy, IL) and State Street Bank and Trust Company (Quincy, IL). You should calculate the following ratios for each bank for 12/31/2020:

• ROE
• ROA
• Equity Multiplier
• Profit Margin
• Asset Utilization
• Net Interest Margin
• Spread
• OH Efficiency
• Interest Expense Ratio
• Provision for Loan Loss Ratio
• Noninterest Expense Ratio
• Tax Ratio
• Interest Income Ratio
• Noninterest Income Ratio