The WCOB Bank has the following financial information (in millions of dollars):

 Total Assets of 896, 

Total Risk-Weighted Assets (Balance Sheet) of 503, 

Total Off-Balance Sheet Credit Equivalent Assets of 316, 

Total Risk-Weighted Assets (Off-Balance Sheet) of 173, 

CET1 Capital Ratio of 6.00, 

Tier I Capital Ratio of 8.31, and 

Total Capital Ratio of 12.81. 

What is the WCOB Bank's Leverage Ratio? Note: Answer in percent, report two decimal places.

The WCOB has the  information about its balance sheet: 

$680 million in interest bearing deposits with an average interest rate of 1.27%, 

$103 million in demand deposits, 

$717 million in loans and securities with an average interest rate of 3.85%, and 

$33 million in cash. 

What is their net interest income?