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