Suppose that a bank does the following:

a$.$ Sets a loan rate on a prospective loan with $BR=8\mathrm{.}73\%$ and $=6\mathrm{.}17\%.$

b$.$ Charges a $0\mathrm{.}12$ percent loan origination fee to the borrower.

c$.$ Imposes a $6$ percent compensating balance requirement to be held as noninterest$-$bearing demand deposits.

d$.$ Holds reserve requirements of $5$ percent imposed by the Federal Reserve on the bank's demand deposits.

Calculate the bank's contractually promised return $($or 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 $3\mathrm{.}4568\%,$ then just enter $3\mathrm{.}46.$