a.?1. Margin = ($5,292 net income / $37,586 net revenues) = 14.1%

    Turnover = Net revenues / Average total assets = $37,586 / (($55,651 + $50,715) / 2)

                   =0.71

    ROI = (14.1% margin * 0.71 turnover) =10.0%

2. ROE = Net income / Average stockholders' equity

             = $5,292 / (($42,762 + $39,088) / 2) =12.9%

3. Price/earnings ratio = ($14.18 market value per common share / $0.92 diluted

    earnings per common share outstanding) =15.4

4. Dividend yield = ($0.5475 dividends declared per share / $14.18 market value per

    common share) =3.9%

5. Dividend payout ratio = ($0.5475 dividends per common share / $0.92 diluted earnings   

    per common share outstanding) =59.5%

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