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PNC is a large depository institution. What balance sheet accounts for PNC would be affected (and how) if just as a real estate developer pays

PNC is a large depository institution. What balance sheet accounts for PNC would be affected (and how) if just as a real estate developer pays off a strip shopping mall loan, a new resident optometrist takes out a mortgage on a home?

Decrease asset (real estate loan) & increase asset (mortgage loan)

Decrease asset (real estate loan) & decrease asset (mortgage loan)

Increase asset (real estate loan) & increase asset (mortgage loan)

Increase asset (real estate loan) & decrease asset (mortgage loan)

There is no effect on the balance sheet.

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