(3) Interstate Bank has $100 million of total assets and $8 million of equity capital. The bank has paid 40 percent of net income after taxes as dividends to shareholders in the past, and this is expected to continue in the foreseeable future. (a) What ROA must be achieved to support a 12% growth in assets? (b) If an ROA of only 0.99% seems feasible, what will the dividend payout ratio have to be to support a 12% asset growth