Marsed,
$135K for qtr ending 6/30/07. Annualize x 4 (there are 4 quarters in a year)= $540,000. I will use your average of $3,000,000. $540,000/$3,000,000 =18 %. You don't need to be an accountant, you just have to know how to use a calculator.
My best,
Zdog