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Question 7 - 10 Points Using the Balance sheet and income statement below calculate ROA or Return on Assets Balance Sheet (SMillions) (SMillions) Assets Beginning Period 1 Ending Period 2 Cash and Equivalents 4 5 Loans 95 107.3 Allowance for loan losses -3 -2.3 Net loans 92 105 Investment securities 14 Premises and fixed assets 3 3 Total 113 130 17 Liabilities and Equity Debt Equity Total Beginning Period 1 108 10 118 Ending Period 2 112 12 124 (SMillions) 7.6 3.6 4 Income Statement Interest Income (Interest Expense) Net Interest Income (Provision for loan loss) Non-interest income (Non-Interest expense (Income Taxes) Net Income 1 3 2.5 0.75 2.75