Q1. Megalopolis Bank has the following balance sheet and income statement.

Balance Sheet

Assets		Liabilities and Equity
Cash and due from banks	$ 9,000	Demand 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	$155,000
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	$ 9,000
Interest on investment securities	4,000
Interest on repurchase agreements	6,000
Interest on deposits in banks	1,000
Total interest income	$20,000
Interest on deposits	$ 9,000
Interest on debentures	2,000
Total interest expenses	$11,000
Net interest income	$ 9,000
Provision for loan looses	2,000
Noninterest income	2,000
Noninterest expenses	1,000
Income before tease	$ 8,000
Taxes	3,000
Net Income	$ 5,000

For Megalopolis, Calculate,

1. Profit margin
2. Interest expense ration
3. Provision for loan loss ratio
4. Noninterest expense ratio

Instruction:

[1] Please use the provided financial statement and analyze a company financial performance [2] Please provide formula with clear calculation

[3] Please provide a brief explanation with the result of your analysis