Sheila received a $19,000 loan from her bank on January 1. She has to repay the loan in equal, annual installments at the end of each of the next 3 years. With an interest rate of 8.0% compounded annually, the bank has determined the size of each payment to be $7,372.64. At the end of the first year, after making her first payment, what is Sheila's remaining balance on her loan? O $11.777.03 O $14,834.87 $13,147.36 O $12,419.21