ssets			INCOME STATEMENT DATA
			Interest Income	444,902
Cash	336,500		Non Interest Income	227,550
Fed Funds	72,000		Interest Expenses	280,850
Treasury Securities	1,498,000		Non Interest Expenses	165,000
Muncipal Bonds	248,000		Provision for loan losses	5,950
Corporate Bonds	48,000		TAX RATE	21%
Gross Loans and Leases	4,500,000
Reserve for loan losses	12,000
Net Loans and Leases	4,488,000
Other Assets	34,000
Total Assets	6,724,500
Liabilities
Demand deposits	514,000
Savings Accounts	700,000
NOW Accounts	800,000
Money Market Accounts	300,000
CD (retail < 250,000)	2,580,000
CD (wholesale > 250,000)	1,200,000
REPO's	37,000
Other liabilities	12,700
Total Liabilities	6,143,700
Total Equity	580,800
Total Liabilities & Equity	6,724,500		-

CALCULATE SPREAD

PRESENT YOUR ANSWER AS PERCENTAGE ROUNDED TO ZERO DECIMAL PLACES, DON'T USE THE PERCENTAGE SYMBOL