Profitability remains a challenge for banks and thrifts with less than $2 billion of assets. The business problem facing a bank analyst relates to the factors that affect return on assets (ROA), an indicator of how profitable a company is relative to its total assets. Data collected from a sample of 20 community banks include the ROA (%), the efficiency ratio (%), as a measure of bank productivity (the lower the efficiency ratio, the better), and total risk-based capital (%), as a measure of capital adequacy.

ROA	Efficiency Ratio	Total RiskBased Capital
0.86	58.35	15.37
1.14	47.42	17.2
1.58	41.9	17.26
0.54	74.69	15.33
3.63	82.47	11.47
0.88	62.28	20.57
1.4	67.44	18
0.59	81.6	15.08
0.98	60.49	20.27
2.48	69.66	17.66
1.12	62.3	17.88
0.73	61.73	12.5
7.27	81.4	27.77
1.23	53.66	17.66
0.9	67.96	15.37
0.79	68.07	13.38
1.11	69.82	17.5
0.95	74.22	15.75
0.99	71.75	18.13
1.11	76.4	21.06

Predict the mean ROA when the efficiency ratio is 50% and the total risk-based capital is 15%.