Given the following financial data for Bank XYZ: Balance Sheet XYZ Bank Assets Liabilities and Equity Cash 580 Demand deposits Demand deposits from other Fls 2,000 Small time deposits Investments 4,700 Jumbo CDs Federal funds sold 2,415 Federal funds purchased Loans 16,825 Equity Reserve for loan losses (2,425) Premises 2,335 Total assets $ 26,430 Total liabilities/equity 6,530 10,300 3,850 2,900 2,850 $ 26,430 $ Income Statement XYZ Bank Interest income Interest expense Provision for loan losses Noninterest income Noninterest expense Taxes 3,250 2,100 310 270 550 90 Calculate the bank's net non-interest margin 0223