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Blue Ridge Bank has a PM of 12 percent, an interest income to total assets ratio of 5.00 percent, and a noninterest income to assets

Blue Ridge Bank has a PM of 12 percent, an interest income to total assets ratio of 5.00 percent, and a noninterest income to assets ratio of 1.50 percent. Blue Ridge also has $9 in assets per dollar in equity capital. Blue Ridge's ROE is

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