Depository institutions $($banks$,$ credit unions, and savings institutions$)$ have which of the following characteristics: $$

The majority of their assets as financial assets.

Deposits as a primary liabilities.

High financial leverage, with a high total liabilities to total asset ratio.

Interest rate, credit, capital, and liquidity risks.

All of the above.

For a depository institutions, a typical before tax operating return on assets $($OROA$)$ includes which of the following: $$

Net Interest Margin qual to Interest Revenue to Assets $-$ Interest Expense to Assets

Burden $\%$ as an expense equal to net noninterest expense to assets less noninterest revenue to assets

Provision for Loan Losses to Assets as an Expense for expected future loan losses

All of the above where OROA before taxes $=$ NIM$\%-$ Burden$\%-$PLL$\%$