Q1- Using the following information for ABC bank for December 2022: Salaries and wages

Securities gains (losses)

Taxes

Interest on loans

Interest on securities and investments

Interest expense

Service charges and fees

Other operating income Total Loans

Total Liability

$500,000 $1,00,000 $500,000 $1,000,000 $230,000

$700,000 $550,000

$220,000 $2,000,000 $750,000

A- Prepare the income

B- What is the net interest margin? What does this ratio refer to?

C- Calculate the total Return on asset (ROA) and return on liability (ROE). What do these

ratios indicate?