Income Statement for Arab Co:

Interest on loans	$50
Interest on securities	6
Total interest income	56
Interest paid on deposits	40
Interest on nondeposit borrowings	6
Total interest expense	46
Provision for loan losses	5
Noninterest income and fees	20
Salaries and employee benefits	10
Overhead expenses	5
Other noninterest expenses	2
Pretax operating income	8
Taxes	2
Net income	6

Balance Sheet for Arab Co:

Assets		Liabilities
Cash and deposits due from banks	$100	Demand deposits	190
Investment securities	150	Savings deposits	180
Federal funds sold	10	Federal funds purchased	80
Net loans	700	Time deposits	470
Net Fixed Assets	50	Equity capital	50
Total assets	970	Total Liabilities and Equity	970

Calculate the following performance measures (12 point)

1. Net interest margin
2. Net noninterest margin
3. Total operating income
4. Overhead Efficiency
5. Spread ratio