The following information for key biscayne national bank: (numbers in 00s)

interest income $2,450

interest expense 1,500

total assets 45,000

security gains/losses 21

total liabilities 38,000

taxes paid 16

shares of common stock outstanding 4,000

non interest income 800

noninterest expense 950

provision for loan losses 250

Calculate:

ROE

ROA

NIM net interest margin

EPS earnings per share

Net non interest margin

Net operating margin