A bank has an allowance for loan loss of $4.5m at the beginning of the year and $4.2m at the end of the year, non performing loans of $6.2m at the beginning of the year and $5.8m at the end of the year, and has net charge offs of $2.7m in bad loans. What was the banks provision for loan loss for the year?

1. a)$2.4 million.
2. b)$3.8 million.
3. c)$4.5 million.
4. d)$9.2 million.