The latest report of condition and income and expense statement for Happy Merchants National Bank are as shown in the following tables:

Income and Expense Statement (Report of Income)
Interest and fees on loans	$44
Interest and dividends on securities	6
Total interest income	50
Interest paid on deposits	32
Interest on nondeposit borrowings	6
Total interest expenses	38
Net interest income	12
Provision for loan losses	1
Noninterest income and fees	16
Noninterest expenses:
Salaries and employee benefits	10
Overhead expenses	5
Other noninterest expenses	2
Total noninterest expenses	17
Net noninterest income	-1
Pretax operating income	10
Securities gains (or losses)	2
Pretax net operating income	12
Taxes	2
Net operating income	10
Net extraordinary income	-1
Net income	9

Report of Condition
Assets		Liabilities
Cash & deposits due from banks	$100	Demand deposits	$190
Investment securities	150	Savings deposits	180
Federal funds sold	10	Time deposits	470
Net loans	670	Federal funds purchased	60
(Allowance for loan losses = 25)		Total liabilities	900
(Unearned income on loans = 5)		Equity capital
Plant and equipment	50	Common stock	20
Total assets	980	Surplus	25
		Retained earnings	35
		Total equity capital	80
Total Earnings Assets	830	Interest-bearing deposits	650

Using these statements, calculate the following performance measures:

ROE, ROA, Net interest margin, Net operating margin, Earnings spread, Net profit margin, Asset utilization, and Equity multiplier.