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 (f2) = 45 bps Compensating Balance Requirement (b) = 10% Reserve Requirement (RR) = 10% of deposits Expected (average) takedown rate (td) = 62% 1+k=1+ f, +f, (1-td) + (BR +0)td 2 td - [b(td)(1 - RR)]