A bank that has total interest Income of 67 million and total naninterest income of 14 millionThis bank has total interest expenses of $35 million and total noninterest expenses (excluding PLL) of 28 million. Its provision for loan losses is $6 million and its taxes are 5. What is this bank's net income?

a. $32

b. $18

c. None of the above

d. -$14

e. $7