please answer the following questions with given info. show work/explanation and i will upvote. thank you in advance!

B c C D E Year: 2005 Year: 2006 (In million $) 1 Balance Sheet 2 Assets 3 Cash 4 Short term securities with interest purch 5 Investment securities with interests 6 Loans 7 Allowance for loans and lease losses 8 Netloans 9 Premises and Equipment 10 Trading account securities 11 Time deposits placed 12 Intangible assets 13 other assets 14 Total Assets 15 16 17 Liabilities 18 Non-interest deposits 19 Interest bearing deposits 20 Short term debt 21 Other liabilities without interest 22 Short term securities with interest sold 23 Long term debt 24 Total Liabilities 25 36,999 149,785 245,315 573,791 8,045 565,746 7,786 131,707 12,800 51,354 90,311 1,291,803 36,429 135,478 192,846 706,490 9,016 697,474 9,255 153,052 13,952 75,084 146,167 1,459,737 186,736 447,934 116,269 97,828 240,655 100,848 1,190,270 184,808 508,689 141,300 126,141 217,527 146,000 1,324,465 26 101,533 135,272 27 Total Equity 28 29 30 Income Statement 31 Total interest income 32 Total interest expense 33 Total non-interest income 34 Total non-interest expense 35 Provision for loan losses 36 Income Taxes 37 Special items 38 39 Net income from continuing operations 40 Net income from total operations 41 Net Income 42 43 Year: 2005 58,626 27,889 26,438 28,269 4,014 8,015 (412) Year: 2006 78,585 43,994 37,989 34,792 5,010 10,840 (805) 16,465 16,465 16,465 21,133 21,133 21,133 CON For the following balance sheet of BOA from year 2005, 2006. A) Calculate the following ratios for each year. Interest expense ratio, Provision for loan loss ratio, Non-interest expense ratio, Net Interest margin, and bank spread. (Hint; "other liabilities" do not bear interest) B) Give a possible reason for the decrease of "provision for loan loss ratio" in 2006. In general what is the relationship between "provision for loan loss ratio" and the risk of outstanding loans il