Use the following information from table 2 to answer questions 3, 4, and 5.

Table 2:

Balance Sheet Account	Year 1 ending balance	Year 2 ending balance
Stock Issued	$50	$50
Cash and Reserves	$80	$89
Allowance for Loan Losses	($20)	($21)
Federal Funds - as lender	$70	$65
Demand Deposits	$650	$685
Treasury Bills Purchased	$230	$220
Retained Earnings	$70	$75
Bank Bonds issued	$130	$130
Commercial Loans made	$500	$550
Now Accounts	$100	$125
Net Building/Equipment	$140	$162

Question 3: Table 2 list various accounts from a bank's balance sheet ($'s in millions). In year 2 the bank's total net income was $5 million. What was the bank's Return on Assets (ROA) in year 2? Show you answer as a percentage to two decimal places in the following format x.xx%

Question 4: Using the same information in table 2 and keeping constant the assumption that the bank made $5 million of net income in year 2, what was the bank's Return on Equity (ROE) in year 2? Show you answer as a percentage to two decimal places in the following format x.xx%

Question 5: Using the data from table 2 and the following four new pieces of information:

1. Assume that the interest rate that the bank charges on its Commercial Loans is 7.5%,
2. Assume the bank receives interest income of 2.5% on all of its financial security holdings.
3. Assume that the bank pays an average interest rate of 2% on all of its customer deposit accounts
4. And also assume that the bank pays 5% interest rate on the bonds that it has issued.

Calculate the bank's Net Interest Margin (NIM). Show you answer as a percentage to two decimal places in the following format x.xx%