Use the following information for the questions below: 1st National Bank Balance Sheet Assets Cash and Due from Banks $ 75 Investments $ 400 Federal Funds 18 Loans 402 Premises $ 105 Average Total Assets $ 1,000 Liabilities & Equity Demand Deposits Time Deposits Federal Funds Equity Average Total Liabilities & Equity $ 150 $ 325 $ 425 $ 100 $ 1,000 Income Statement Interest Income Interest Expense Non-Interest Income Non-Interest Expense Net Income A A A A A 150 110 11 38 13 a. What is the 1st National Bank return on equity? b. What is the 1st National Bank net interest margin? C. What is the 1st National Bank burden? d. What is the 1st National Bank efficiency ratio