The following are statistics from the annual report of McEttrick National Bank:

	2009	2008
Average loans	$16,000,000	$13,200,000
Average total assets	26,000,000	22,000,000
Average total deposits	24,000,000	20,000,000
Average total capital	1,850,000	1,600,000
Interest expenses	1,615,000	1,512,250
Interest income	1,750,000	1,650,000

Required

a. Calculate the total deposits times capital for each year.

b. Calculate the loans to total deposits for each year.

c. Calculate the capital funds to total assets for each year.

d. Calculate the interest margin to average total assets for each year.

e. Comment on any trends found in the calculations of (a) through (d).