There are two banks, A and B. Bank A has $10 million in reserves, $70 million in loans, $70 million in checkable deposis and $10 million in bank capital. Bank B has $10 million in reserves, $70 million in lona,s $76 million in checkable deposits, and $4 million in bank capital. Suppose that for both banks the return on assets (ROA) is 1 percent. Using the dollar amounts provided, explain the safety-return tradeoff that banks face.