Please estimate PBC's Net Interest Margin. Round the answer to the second decimal place

Please estimate PBC's ROE (in %, rounding to second decimal place)

Please estimate PBC's Equity Multiplier ( round it to the second decimal place)

Please estimate PBC's Asset Utilization ratio ( round it to the second decimal place)

Please estimate PBC's overhead efficiency ratio ( round it to the second decimal place)

\begin{tabular}{|c|c|c|c|} \hline \multicolumn{4}{|c|}{ Plumber's Bank Corporation (form 10K, US\$ million) } \\ \hline \multicolumn{2}{|l|}{ Assets } & \multicolumn{2}{|l|}{ Liability and Equity } \\ \hline Cash & 850 & Deposits & $6,475 \\ \hline Securities & 1,925 & Other Borrowing & 1,645 \\ \hline Loans & 5,400 & Equity & 1,030 \\ \hline Others & 975 & Total & $9,150 \\ \hline Total & $9,150 & & \\ \hline \multicolumn{4}{|c|}{ Income Statement } \\ \hline \multicolumn{3}{|c|}{ Interest income on loans } & $450 \\ \hline \multicolumn{3}{|c|}{ Interest income on securities } & 95 \\ \hline \multicolumn{3}{|c|}{ Interest expense } & 246 \\ \hline \multicolumn{3}{|c|}{ Non-interest income } & 78 \\ \hline \multicolumn{3}{|c|}{ Non-interest expense } & 112 \\ \hline \multicolumn{3}{|c|}{ Provision for loan loss } & 35 \\ \hline \multicolumn{3}{|l|}{ Taxes } & 115 \\ \hline \multicolumn{3}{|l|}{ Net Income } & $115 \\ \hline \end{tabular}