The following information is for Wall Street Holdings, the smallest bank holding company in North Dakota. (Bank holding company ID: 1966215. You can look it up at the FDIC.)

Wall Street Holdings, Hamilton, ND
Report of Condition (x$1,000)			Report of Income (x$1,000)
Item	2012	2011	Item	2012	2011
Cash	10,357	10,489	Interest Income	409	391
Securities	3,329	2,671	Interest Expense	21	28
Fed. Funds Sold	3,800	2,500	PLL	0	0
Net Loans	3,717	3,377	Non-Interest Income	32	44
Loan Loss Allowance	103	115	Non-Interest Expense	339	372
All Other Assets	137	107	Earnings Before Taxes	81	35
Total Assets	21,340	19,144	Taxes	12	5
Deposits	18,753	16,732	NI	69	30
Other Liabilities	75	38	Dividends	0	0
Equity	2,512	2,374	Net Charge Offs	12	-2

Based on this information, answer the following questions about Wall Streets financials.

1. According to asset-based liquidity ratios, Wall Street is: [5 pts]

1. Extremely less liquid than a typical bank.
2. Somewhat less liquid than a typical bank.
3. Somewhat more liquid than a typical bank.
4. Extremely more liquid relative to typical banks.

2. What was Wall Streets Net Overhead Expense Ratio in 2012? [5 pts]

1. $307 (x$1,000).
2. 0.38%.
3. 1.44%.
4. 1.82%.

3. According to the 2012 Retention Ratio and ROE, what is the internal growth rate of Wall Streets equity capital (everything based on end-of-year numbers)? [5 pts]

1. 0.00%
2. 0.32%
3. 2.27%
4. 2.75%