Bank A (Dollars in Millions) Assets Liability and Equity Cash $ 850 Deposits Securities 1,925 Other Borrowing Loans 5,400 Equity Others 975 Total Total $ 9,150 $ 6,475 1,645 1,030 $ 9,150 Income Statement Interest income on loans Interest income on securities Interest expense Noninterest income Nonincome expense Provision for loan loss Taxes NI $ 450 95 246 78 112 35 115 $ 115 The bank's ROA is