calculate the ROE for all 3 years. 

1. Balance Sheet Cash 2018 2019 2020 150 140 165 500 450 500 Marketable securities Equipment and buildings 600 600 600 Net Loan 1200 1300 1250 Total Assets 2450 2490 2515 Deposit 1000 900 1000 Non-deposit 300 200 300 Equity 1150 1390 1215 |Total Liabilities and equity 2450 2490 2515 Income Statement Interest revenue Interest expense Non interest revenue Operating expense Provision for loan loss 2018 2019 2020 500 450 500 100 150 150 100 150 150 50 50 60 30 30 30 Pre tax net operating income 420 370 410 Securities gains/loss Tax Net Income 30 40 40 80 70 80 370 340 370