Q1. Megalopolis Bank has the following balance sheet and income statement.

Balance Sheet

Assets		Liabilities and Equity
Cash and due from banks	$ 9,000	Demand deposits	$ 19,000
Investment securities	23,000	NOW accounts	89,000
Repurchase agreements	42,000	Retail CDs	28,000
Loans	90,000	Debentures	19,000
Fixed assets	15,000	Total Liabilities	$155,000
Other assets	4,000	Common stock	12,000
Total assets	183,000	Paid-in capital	4,000
		Retained earnings	12,000
		Total liabilities and equity	$183,000

Income Statement

Interest on fees and loans	$ 9,000
Interest on investment securities	4,000
Interest on repurchase agreements	6,000
Interest on deposits in banks	1,000
Total interest income	$20,000
Interest on deposits	$ 9,000
Interest on debentures	2,000
Total interest expenses	$11,000
Net interest income	$ 9,000
Provision for loan looses	2,000
Noninterest income	2,000
Noninterest expenses	1,000
Income before tease	$ 8,000
Taxes	3,000
Net Income	$ 5,000

For Megalopolis, Calculate,

1. Return on equity
2. Return on assets
3. Asset utilization
4. Equity multiplier
5. Profit margin
6. Interest expense ration
7. Provision for loan loss ratio
8. Noninterest expense ratio

Instruction:

[1] Please use the provided financial statement and analyze a company financial performance [2] Please provide formula with clear calculation

[3] Please provide a brief explanation with the result of your analysis