Question 11: The following data relates to a bank, Tolland Union. The bank earned $3.130B of in interest revenue and paid $2.171B in interest expense last year. There were also fees and points earned from loans and loan origination, increasing income of $24M. During that year, the bank generated net earnings of $850M. The bank has $23.9B of interest earning assets, AND total assets of $30.5B. The shareholders equity is $5.8B.

1. What is the net interest margin based on interest earning assets?
2. What is the banks return on assets (ROA)?
3. What is the banks return on equity (ROE)?