Using the following financial statement data for Red Dirt State Bank, calculate the banks return on equity (ROE), return on assets (ROA), net interest margin (NIM), net operating margin, profit margin (PM), asset utilization (AU), and equity multiplier (EM).

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Balance Sheet Income Statement Cash Securities Investments Net Loans Net Premises and Equip $400 (S150) $50 $100 Interest Income S600 Interest Expenses $1.200 Non-Interest Income S300 Non-Interest Expenses $60) $140 ($40) (S45) S55 Provision for Loan Losses Total Assets Deposits Non-Deposit Borrowings* Equity Capital $2,200 S1,100 Pre Tax Net Operating Income $800 Securities Gains (Losses) S300 Taxes $2,200 Net Income Total Liabilities and Equity *All Purchased Funds