You have been asked to analyze First Union Bank. You have only the following information on the bank at year$-$end $2021$: Net income is $$390,000,$ total debt is $$3\mathrm{.}9$ million, and the bank$$s debt ratio is $60$ percent. What is First Union Bank$$s ROE for $2021?($Do not round intermediate calculations. Round your percentage answer to $2$ decimal places. $($e$.$g$.,32\mathrm{.}16))$