64,371 Tax rate 31.2% 41.7% 43.6% Net margin 3.7% 3.3% 3.3% Total debt 14,492 15,041 15,041 Total ItatilitieS 34,809 37,634 39,099 Debt 1 Capital (book) 36.9% 37.6% 37.3% Shareholders' Cary 24,765 24,918 25,271 Return on assets (ROA) 4.4% 4.0% 4.1% 8.7% Return on equity (ROE) 10.7