the bank has 10.5m in consumer loans, real estate loans 30.75m. pension fund contribution 2.5m , commercial loans 17.25m .international loans 45.25m.and leases 33.75m.the average interest earning is 4.5% 7.5% 1% 9% 5.5% and 2.5% respectively. cost of furniture 16m. recoveries 15m. miscellaneous fees and charges stemming from other services sold to costumers 40m . interest on federal fund sold 33m. bank premises 26m . security gain or lose (15) m. rent 31m. charge off loans 79m . cash in the vault 34m. interest on repurchase agreements 24m . net loans 400m. interest on issuing commercial paper 7m.other interest income 111m. wages and salaries 21m. employee benefits 15m. other expenses 77m. trust departing income 10m. provision for loans losses 47m. financial planning interest 33m. taxes 30% . interest on check book 4m . interest on deposits 239m. what is the net income after tax?