oints) The Fed, the FDIC, and the Comptroller of the Currency all use a rating system known by CAMEL. Explain what CAMEL stands for. (b) (9 points) Indicate which areas in the CAMEL system the following financial ratios try to measure. Financial Ratios Areas Purchased Liabilities/Total Assets Net Loans / Deposits Allowance for loan losses / Total assets Operating income / Total assets Net income / Loan loss provision Cash and short-term securities/ Total assets Noninterest income / Operating income Net Income / Operating Income Net interest margin 4. (6 points) A 5-year bond has a duration of 4.25 years. What will be the percentage change in bond price using the duration model if the annual interest rate increases from 5% to 6%