The following information is for Blue Sky National Bank: Interest income $2,200 Interest expense $1,400 Total assets $45,000 Securities losses or gains $21 Earning assets $40,000 Total liabilities $38,000 Taxes paid $16 Shares of Common Stock outstanding 5,000 Noninterest income $800 Noninterest expense $900 Provision for loan losses $100 Calculate the follwoing: 1- ROE 2- Asset management Efficiency 3- Net interest margin 4- Funds management Efficiency 5- Net operating margin