The following balance sheet is available for Smith Bank (in millions). Which of the following is true?

Assets	Potential	Potential	Amount	Liabilities	Potential	Potential	Amount
	Rate	Withdrawal	in		Rate	Withdrawal	in
	Change	6-month	millions		Change	6-month	millions
90-day Treasury Bills	0.50%		$25	30-day CDs	0.25%		$50
180-day Treasury Bills	0.75%		$35	90-day CDs	0.35%		$100
1-year Treasury Bills	1.00%		$50	Savings Deposits	0.10%		$50
1-year consumer loans	1.25%	20%	$200	Time-Deposits 180-day	0.60%		$200
5-year Consumer loans	1.50%	20%	$150	Time Deposits -2 years	1.00%	30%	$235
10-year Corporate Loans	1.75%	15%	$250	Stockholder's equity			$75
		Total	$710			Total	$710

		Including potential withdrawals and excluding savings deposits, the six-month earnings at risk is $238,750
		Including potential withdrawals and including savings deposits, the six-month earnings at risk is $188,750
		Including potential withdrawals and including savings deposits, the six-month earnings at risk is $205,500
		Including potential withdrawals and including savings deposits, the six-month earnings at risk is $436,250