5- Assume that the month-end balance sheet and income statement for FirstBank looks like below. Using the information in the tables, calculate ROA, ROE and NIM ratios. Assets Liabilities Required Reserves $ 7 million Checkable Deposits $ 94 million $8 million Excess Reserves $45 million Bank Capital Loans $50 million Interest income Interest expense Income tax Net income $400,000 $ 3,500 $100,000 $296,500