Ernest received the following distributions from Virginiana Mutual Fund for the calendar year 2022:

Ordinary dividends $320

Capital gain distributions 145

Nontaxable distributions 95

Emma, Ernest's wife, did not own any of the Virginiana Mutual Fund shares, but she did receive $1,475 in interest on a savings account at the Moss National Bank and $175 in interest on California municipal bonds. Ernest and Emma filed a joint income tax return for 2022. What amount is reportable as taxable interest income?

a. 0

b. 175

c. 1650

d. 1475