Assume Bank ABC has 4 assets, all of them are loans, and 3 liabilities, with the following information: Assets Liabilities yield dollar value cost dollar value 3% 1,000 0% 2.000 5% 3,000 5% 3,000 10% 2,000 10% 1,000 15% 1,000 Charge-offs 67 Recoveries 21 We also know the noninterest income is 1,200, the noninterest expense 1,000, the provision for loan losses 50, the realized securities gains and losses 40, and the tax 20. a) What is the net income of Bank ABC? (3 points) b) What's the ratio reflecting credit risk for Bank ABC (keep 2 decimals in %)? (4 points) c) What are the primary sources of risk (identified by Fed) that depository institution managers face? Name ONE financial ratio for three types of risk respectively (up to your choice), and explain how to interpret high versus low values? (5 points)