CALCULATE the level of capital held by Citizens for 2021 and 2020 (SHOW AL.L 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). Net interest income of 54.5 bultion decreased 574 mition, reftecting a 17 basis point decrease in net interest margin given the lower rate and challenging yleld curve environment, partially offset by 5 : average interest-eaming asset growth, improvements in funding mix and deposit pricing and a higher benefit from ppp loan forgiveness. Net interest margin on a FTE basis of 2.72% decreased 17 basis points compared to 2.895 in 2020 . primarily reflecting the impact of tower interest rates and elevated cash balances given strong deposit flows, partially offer by improved funding mix and deposit pricing and the benefit of PPP. forgiveness. Average interestearning asset yields of 2.905 decreased 45 basis points from 3.35z in 2020 , while average interest-bearing IIabitity costs of 0.30% decreased 39 basis points from 0.695 in 2020