Megalopolis Bank has the following balance sheet and income statement.

Balance Sheet (in millions)
Assets					Liabilities and Equity
Cash and due from banks	$	10,800			Demand deposits	$	37,000
Investment securities		41,000			NOW accounts		107,000
Repurchase agreements		60,000			Retail CDs		46,000
Loans		108,000			Debentures		37,000
Fixed assets		33,000			Total liabilities	$	227,000
Other assets		5,800			Common stock		12,000
					Paid-in capital		4,000
					Retained earnings		15,600
Total assets	$	258,600			Total liabilities and equity	$	258,600

Income Statement
Interest on fees and loans	$	10,800
Interest on investment securities		5,800
Interest on repurchase agreements		7,800
Interest on deposits in banks		2,800
Total interest income	$	27,200
Interest on deposits	$	10,800
Interest on debentures		3,800
Total interest expense	$	14,600
Net interest income	$	12,600
Provision for loan losses		3,500
Noninterest income		3,800
Noninterest expenses		2,800
Income before taxes	$	10,100
Taxes		4,200
Net income	$	5,900

For Megalopolis, calculate (Round your answers to 2 decimal places. (e.g., 32.16)):

a.	Return on equity		%
b.	Return on assets		%
c.	Asset utilization		%
d.	Equity multiplier		X
e.	Profit margin		%
f.	Interest expense ratio		%
g.	Provision for loan loss ratio		%
h.	Noninterest expense ratio		%
i.	Tax ratio		%