please find total operating income too.

10. Megalopolis Bank has the following balance sheet and income statement. (LG 12-5) Balance Sheet (in millions) Assets Liabilities and Equity Cash and due Demand from banks $ 9.000 deposits $ 19,000 Investment securities 23.000 NOW accounts 89.000 Repurchase agreements 42,000 Retail CDs 28,000 Loans 90.000 Debentures 19.000 Fixed assets 15.000 Total liabilities S155.000 Other assets 4,000 Common stock 12.000 Total assets $183.000 Paid-in capital 4,000 Retained earnings 12.000 Total liabilities and equity $183,000 Income Statement Interest on fees and loans Interest on investment securities Interest on repurchase agreements Interest on deposits in banks Total interest income Interest on deposits Interest on debentures Total interest expense Net interest income Provision for loan losses Noninterest income Noninterest expenses Income before taxes Taxes Net income $ 9.000 4.000 6.000 1,000 $20.000 $ 9,000 2.000 $11.000 $ 9,000 2.000 2.000 1.000 $ 8,000 3,000 $ 5.000 For Megalopolis, calculate: a. Return on equity b. Return on assets c. Asset utilization d. Equity multiplier e. Profit margin f. Interest expense ratio g. Provision for loan loss ratio h. Noninterest expense ratio i. Tax ratio ROE = Net income / Total equity capital ROA = Net income/Total assets EM = Total assets/Total equity capital PM = Net income / Total operating income Interest expense ratio = Interest expense / Total operating income Provision for loan loss ratio = Provision for loan losses / Total operating inco Non-interest expense ratio = Non-interest expense / Total operating income Tax ratio = Income taxes / Total operating income AU = Total operating income / Total assets AU = Interest income ratio + Non-interest income ratio Interest income ratio = Interest income / Total assets Non-interest income ratio = Non-interest income / Total assets