(4) Cajun Bank currently has the following 4 balance sheet accounts:

$US-denominated mortgages $150,000,000 at a 6% annual rate

$US-denominated commercial loans $100,000,000 at a 5% annual rate

$US-denominated savings accounts $100,000,000 at a 4% annual rate

$US-denominated certificates of deposit $125,000,000 at a 3% annual rate

These accounts, plus Shareholders Equity, comprise the entire Balance Sheet. All of Cajun Banks Revenue and Expenses are associated with these 4 accounts. Cajun Banks tax rate is 35%. In addition to the above Balance Sheet accounts, Cajun also entered into a 1-year interest rate swap out of concern for interest rate volatility. The notional value of the swap was $140,000,000. Cajun agreed to pay a fixed 5.50% rate and receive a variable payment based on the 10-year Treasury Note, plus 2.00%. At the end of the year, when it was time to make the payment, the 10-year Treasury Note was yielding 3.75%.

Based on the above, please calculate Cajun Banks Return on Assets (ROA), Return on Equity (ROE) and Equity Multiplier (EM) for the current year?