A) compute Frem's net profit margin for 2019 and 2018 (show you work)

B)Compute frem's return on assets (ROA) for 2019 and 2018, using year-end and not average assets (show your work)

C) Compute Frem's return on common equity (ROE) for 2019 and 2018, using year-end and not average equity (show your work)

D) based on your answers from A,B, and C in the prior three problems, discuss the trend in Frem's profitablity and identify at keast one specific cause for the trend.

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