Consider the following balance sheet of a depository FI and some additional information. (The parentheses have more information about stated interest rates and maturities) Assets (millions) Liabilities and Equity (millions) Cash Assets (0%) Short-term investments (1-year) (2%) 15-Year Mortgage Loans (8%) $15 Demand Deposits (Non-Interest) $25 CDs maturing in less than 1 year (1%) $100 Overnight Federal Funds (0.5%) Equity $140 Total Liabilities and Equity $60 $30 $15 $15 $140 Total Assets Other relevant information: Commitments to Lend $50 Standby LCs and Guarantees $10 a) If everything goes as expected, what's the FI's expected net interest income for the next year? b) But things may not go as expected. Use the information given above (avoid giving too general definitions) and our class discussions to name and explain different types of risk the FI faces. Offer hypothetical scenarios and their effects that create these risks. Consider the following balance sheet of a depository FI and some additional information. (The parentheses have more information about stated interest rates and maturities) Assets (millions) Liabilities and Equity (millions) Cash Assets (0%) Short-term investments (1-year) (2%) 15-Year Mortgage Loans (8%) $15 Demand Deposits (Non-Interest) $25 CDs maturing in less than 1 year (1%) $100 Overnight Federal Funds (0.5%) Equity $140 Total Liabilities and Equity $60 $30 $15 $15 $140 Total Assets Other relevant information: Commitments to Lend $50 Standby LCs and Guarantees $10 a) If everything goes as expected, what's the FI's expected net interest income for the next year? b) But things may not go as expected. Use the information given above (avoid giving too general definitions) and our class discussions to name and explain different types of risk the FI faces. Offer hypothetical scenarios and their effects that create these risks