Report of Income

Total interest income 300

Total interest expense 120

Net interest income 180

Provision for loan and lease losses ????

Total noninterest income 100

Service charges on deposit accounts 75

Trading account gains and fees ?????

Total noninterest expense 125

Salaries and employee benefits ????

Premises and equipment expense 10

Additional noninterest expense 20

Pretax net operating income 18

Applicable income taxes 4

Income before extraordinary items ?????

Extraordinary gainsnet 5

Net income ????

Use the information below and find the provision for loan and lease losses.