The financial statements for Bank are shown below (all amounts in $000s). Round all answers to two decimal places (e.g. 4.25%)

Balance Sheet Bank
Assets					Liabilities and Equity
Cash	$	1,650			Brokered deposits	$	9,500
Demand deposits from other FIs		2,000			Small time deposits		15,700
Investments		7,700			Jumbo CDs		2,540
Federal funds sold		750			Federal funds purchased		2,800
Loans		19,250			Equity		3,310
Reserve for loan losses		(2,500	)
Branches and offices		5,000
Total assets	$	33,850			Total liabilities/equity	$	33,850

Income Statement
Interest income	$	6,025
Interest expense		3,495
Provision for loan losses		750
Noninterest income		870
Noninterest expense		1015
Taxes		350

a. What is Banks AU ratio? (3pt)

b. What is Banks Equity Multiplier (EM)? (3pt)

c. What is Banks NIM? (3pt)

d. Discuss Banks ROA and ROE. Which is larger? Is this in line with industry norms? Which metric is more important to shareholders of Banks? (5pt)