calculate the following performance measures:

1. ROE
2. ROA
3. Net interest margin
4. Earnings spread
5. Expense control efficiency

TMK Bank Income Statement Interest and fees on loans Interest and dividends on securities Total interest income $50 6 56 Interest paid on deposits Interest on nondeposit borrowings Total interest expense 40 6 46 Net interest income Provision for loan losses Noninterest income and fees Noninterest expenses: Salaries and employee benefits Overhead expenses Other noninterest expenses Total noninterest expenses Net noninterest income SINUS god of 8 10 5 20 10 5 2 17 -2 Pretax operating income Securities gains (or losses) Pretax net operating income Taxes Net operating income Net extraordinary income Net income 2 8 -1 7 Balance Sheet Assets Cash and deposits due from banks Investment securities Loans $840 50 Liabilities $100 Deposits 160 Borrowings 670 Equity capital 50 Common stock Surplus Retained earnings Net Fixed Assets 20 35 35 Total assets 980 Total liabilities and equity 980 Other information: Total earnings assets 860 Interest-bearing deposits 650