Given the following balance sheet and income statement of a Commercial bank

Assets		Liabilities
	Trillion L.L.		Trillion L.L.
1.Cash	4	1.Demand Deposits	20
2.Required Reserves	15	2.Money Market Deposits
3.Interbank Deposits		One week	-
One day	6	30 days	10
One week	4	3.Interbank Borrowing
4.Marketable securities		One day	4
30 days	5	One week	11
60 days	6	4.Time Deposits
90 days	5	30 days	70
5.Business Loans		60 days	30
One year	25	More than one year	40
More than one year	55	5.Bonds
6.Loans to Government		One year	10
More than one year	40	More than one year	30
7.Consumer Loans		6.Equity
30 days	10	Common stocks	18
60 days	20	Retained earnings	7
90 days	35
8.Fixed Assets	20
Total Assets	250	Total Liabilities	250

Income Statement:

	L.L. Trillion
1.Interest Income on Loans	70
2.Interest Income on Investment Securities	10
3.Interest Income on Interbank Deposits	5
4.Interest Paid on Money Market Deposits	6
5.Interest Paid on Interbank Borrowing	4
6.Interest Paid on Time Deposits	35
7.Interest Paid on Bonds	5
8.Provisions for Loan Losses	10
9.Fee Income on LCs	5
10.Fee Income on LGs	2
11.Fee Income on Loan Commitments	3
12.Wages, Board Payments and Other Related Expenses	23
13. IT, Premises, Travel and Other Expenses	5
14.Taxes	6
Net Income

Find (a) Net income, (b) Spread, (c) Total Operating Revenues, d) Total Operating Expenses, (e) Profit Margin and Asset Utilization. Please show the details of your calculations.