1. What are Citizens' two largest asset categories? Loans and leases and Net loans and leases. What is its largest liability category? What do these assets and liabilities indicate about the major services offered by Citizens? 2. What are the largest interest income and interest expense categories for Citizens? Is this consistent with your results from the balance sheet (question 1)? EXPI.AIN. 3. a) Calculate the Net Interest Margin (defined here as Net Interest Income/Interest Earning Assets) for Citizens for 2021 and 2020 ? SHOW ALL CALCULATIONS AND INTERPRET. (Hint: Use page 42 to find the inputs). MUST SHOW CALCULATIONS!!! b) Assume that Citizens' assets are more rate sensitive than its liabilities. What will the impact be on Net Interest Margin if interest rates increase? EXPLAIN. 4. What role does capital play for a depository financial institution? Explain CALCULATE the level of capital held by Citizens for 2021 and 2020 (SHOW ALL CALCULATIONS!!!). Was the firm stronger or weaker on this measure in 2021 ? EXPLAIN WHY. (Hint: Compare the level of Capital to Total Assets each year-calculate ratios). 5. The Federal Funds Purchased and Securities sold Under Agreements to Repurchase items may appear under Liabilities for a given bank. Explain the purpose of each of these two financial instruments. Your answer should include a definition of each money market security and an explanation as to how each can be used by Citizens bank, for example