Calculate the bank's ROA (k) for an open-ended, revolving line of credit issued to a firm with the following terms/estimates: Base Rate (BR) = 7% Margin() = 4.7% Upfront fee on Commitment (fi) = 25 bps Back-end fee on Unused Commitment (2) = 45 bps Compensating Balance Requirement (b) = 10% Reserve Requirement (RR) = 10% of deposits Expected (average) takedown rate (td) = 62% 1+k=1+ fi+f2 (1- td) + (BR +)td td - [b(td)(1 - RR)]