Suppose that a bank does the following: a. Sets a loan rate on a prospective loan with BR 3.53% and = 4.35%. b. Charges a 0.40 percent loan origination fee to the borrower. c. Imposes a 11 percent compensating balance requirement to be held as noninterest-bearing demand deposits. d. Holds reserve requirements of 10 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