Suppose that a bank does the following: a. Sets a loan rate on a prospective loan with BR = 3.12% and = 2.54%. b. Charges a 0.25 percent loan origination fee to the borrower. c. Imposes a 8 percent compensating balance requirement to be held as noninterest- bearing demand deposits. d. Holds reserve requirements of 8 percent imposed by the Federal Reserve on the bank's demand deposits. Calculate the bank's ROA on this loan. Note: Convert your answer to percentage format. Enter your answer rounded to 2 decimals, and without any units. So, for example, if your answer is 3.4568%, then just enter 3.46