4. Fill in the missing items on the income statement and expense statement. Using these statements, calculate the following performance measures:

ROE

ROA

Net interest margin

Net noninterest Margin

Earnings spread

Net profit margin

Asset utilization

Equity multipler

Tax management efficiency

Expense control Efficiency

Asset management efficiency

Funds management efficiency

Operating efficiency ratio

Financial Statements and Financial-Firm Peformance Smiling Merchants National Bank Report of Condition Assets Cash and deposits due from banks Investment securities Federal funds sold Net loans (Allowance for loan losses 25) (Unearned income on loans 5) Net Fixed Assets Total assets Liabilities Demand deposits Savings deposits Time deposits Federal funds purchased Total liabilities Equity capital Common stock Surplus Retained earnings Total capital Interest-bearing deposits $100 150 10 700 $190 180 470 80 900 20 35 35 80 650 50 860 Total earning assets Fill in the missing items on the income and expense statement. Using these state ments, caculate the following performance measures ROE ROA Net interest margin Net noninterest margin Net operating margin Earnings spread Net profit margin What strengths and weaknesses are you able to detect in Happy Merchants Asset utilization Equity multiplier Tax management efficiency Expense control efficiency Asset management efficiency Funds management efficiency Operating efficiency ratio ' performance