Discuss the concerns of the bank's manager given the following information regarding each of these five areas of concern (is it a concern or not?) a. Liquidity, b. Compliance, c. Rate-Sensitivity, d. Asset Quality, & e. Capital Adequacy. GIVEN: the reserve requirement is 10% of transaction accounts. Industry averages are 10% for primary liquidity and 15% for secondary liquidity (25% total liquidity). Transaction Accounts and Securities are rate-sensitive, but Loans are not. Risk is perceived to increase beyond acceptable levels if highest quality loans are less than 60% of the Loan Portfolio or money market dependence exceeds 10%; and the capital requirement is 5% on primary capital and 8% inclusive of secondary capital