Consider two local banks, Bank A has 81 loans outstanding, each for $1.0 million, that it expects will be repaid today. Each loan has a 5% probability of defauit, in which case the bank is not repaid anything. The chance of default is independent across all the loans, Bank B has only one loan of $81 milion outstanding, which it also expects will be repaid today. It also has a 5% probability of not being repaid. Calculate the following a. The expected overall payoff of each bank. b. The standard deviation of the overall payoff of each bank. a. The expected overall payoff of each bank. The expected overall payoff of Bank Ah s million (Round to the nearest integer)