Northwestern Bank (NB) offers only checking accounts. Customers can write checks and use a network of automated teller machines. NB earns revenue by investing the money deposited; currently, it averages 4.1 percent annually on its investments of those deposits. To compete with larger banks, NB pays depositors 0.3 percent on all deposits. A recent study classified the bank's annual operating costs into four activities. Activity Using ATM Visiting branch Processing transactions Managing functions Total overhead Cost Driver Number of uses Number of visits Cost $ 1,800,000 1,080,000 7,920,000 7,200,000 Number of transactions Total deposits $ 18,000,000 Data on two representative customers follow. Driver Volume 3,000,000 uses 225,000 visits 120,000,000 transactions $ 562,500,000 in deposits ATM uses Branch visits Number of transactions Average deposit Required: Emily Jacob 40 130 5 200 45 520 $ 10,000 $ 10,000 a. Compute the operating profit for Northwestern Bank. b. Compute the profit from Emily and Jacob, assuming that customer costs are based only on deposits. Interest costs = 0.3 percent of deposits; operating costs are 3.2 percent (= $18,000,000/$562,500,000) of deposits. c. Compute the profit from Emily and Jacob, assuming that customer costs are computed using the information in the activity-based costing analysis.