Based one the table above, calculate ratio :

10 5 2 50 Salaries and Employee Benefits @ Overhead Expenses 40 Other Noninterest Expenses Securities Gains for Losses) Taxes 1 Net Extraordinary items 18 Income and Expense Statement Items Interest and Fees on Loans Interest Dividends on Securities Interest Paid on Deposits Interest Paid on Non deposit Borrowings Provision for Loan Losses Noninterest Income and Fees Report of Condition items Assets Cash and Deposits due from banks Investment Securities Federal Funds Sold Net Loans Plant and Equipment Liabilities & Equity Capital 100 Demand deposits 150 Savings deposits 10 Time deposits 670 Federal funds purchased 50 Common stock Surplus Retained earnings 100 180 470 60 20 35 Based on the table above, calculate Ratio Formula (Calculation ROE ROA Net interest margin Net noninterest margin Net operating margin Earnings spread Net profit margin Asset utilization Equity multiplier Tax management efficiency Expense control efficiency Operating efficiency ratio