Megalopolis Bank has the following balance sheet and income statement.

Balance Sheet (in millions)
Assets					Liabilities and Equity
Cash and due from banks	$	9,400			Demand deposits	$	23,000
Investment securities		27,000			NOW accounts		93,000
Repurchase agreements		46,000			Retail CDs		32,000
Loans		94,000			Debentures		23,000
Fixed assets		19,000			Total liabilities	$	171,000
Other assets		4,400			Common stock		12,000
					Paid-in capital		4,000
					Retained earnings		12,800
Total assets	$	199,800			Total liabilities and equity	$	199,800

Income Statement
Interest on fees and loans	$	9,400
Interest on investment securities		4,400
Interest on repurchase agreements		6,400
Interest on deposits in banks		1,400
Total interest income	$	21,600
Interest on deposits	$	9,400
Interest on debentures		2,400
Total interest expense	$	11,800
Net interest income	$	9,800
Provision for loan losses		2,400
Noninterest income		2,400
Noninterest expenses		1,400
Income before taxes	$	8,400
Taxes		3,200
Net income	$	5,200

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