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	30
2.Required Reserves	10	2.Money Market Deposits
3.Interbank Deposits		One week	-
One day	6	30 days	5
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	20
One year	20	One year	10
More than one year	30	5.Bonds
6.Loans to Government		One year	10
More than one year	60	More than one year	20
7.Consumer Loans		6.Equity
30 days	5	Common stocks	18
60 days	10	Retained earnings	2
90 days	15
8.Fixed Assets	20
Total Assets	200	Total Liabilities	200

Income Statement

	L.L. Trillion
1.Interest Income on Loans	60
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	25
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	39

Find (a) Net income, (b) Net Interest Margin (NIM) and Spread, (c) Total Operating Revenues and Total Operating Expenses, (d) Return on Equity (ROE) and Return on Assets (ROA), (e) Profit Margin. Please show the details of your calculations