megalopolis bank has the following balance sheet and income statement. balance sheet (in millions) 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 expense $11,000 net interest income $ 9,000 provision for loan losses 2,000 noninterest income 2,000 noninterest expenses 1,000 income before taxes $ 8,000 taxes 3,000 net income $ 5,000 calculate: the marginal profit margin net interest margin the spread overhead efficiency
