Assume that the month-end balance sheet and income statement for FirstBank looks like below. Using the information in the tables, calculate ROA, ROE and NIM ratios. Assets Liabilities Required Reserves$7 million Checkable Deposits $94 million Excess Reserves $45 million Bank Capital $8 million Loans $50 million Interest income $400,000 Interest expense $3,500 Income tax $100,000 Net income $296,500