Does it makes sense to put $100 Million of the following loans in our portfolio or sell them:

*30 Year Fixed Rate Loans at 3.625%.
*$100 Million of Loans
*Average Life of such Loans is generally 7 years *Fund 90% of loans using Federal Home Loan Bank Borrowings of equivalent term (go to fhlbb.com and check equivalent classic advance rate).
*Assume a one-time "expense" of 0.80% of the total $100 Million to be put in the loan loss reserve, but then in future years no expense needed.
*10% of the funding is from our Capital
*Consider a 40% Tax Rate
*What is the Return on Equity

Question

Does it makes sense to put $100 Million of the following loans in our portfolio or sell them:

*30 Year Fixed Rate Loans at 3.625%.
*$100 Million of Loans
*Average Life of such Loans is generally 7 years *Fund 90% of loans using Federal Home Loan Bank Borrowings of equivalent term (go to fhlbb.com and check equivalent classic advance rate).
*Assume a one-time "expense" of 0.80% of the total $100 Million to be put in the loan loss reserve, but then in future years no expense needed.
*10% of the funding is from our Capital
*Consider a 40% Tax Rate
*What is the Return on Equity