WPB and its Peer Group PG have the following risk ratios for its last $2$ years.

Current Yr$.$ Previous Yr$.$

Bank PG Bank PG

Credit Risk Ratios $(\%)$

$\%$ Net Loan Loss to Average Total Loans $2\mathrm{.}520\mathrm{.}021\mathrm{.}830\mathrm{.}03$

$\%$ Earnings Coverage to Net Losses $1\mathrm{.}1465\mathrm{.}101\mathrm{.}6582\mathrm{.}30$

$\%$ Loan Allowance to Net Losses $0\mathrm{.}4248\mathrm{.}241\mathrm{.}0653\mathrm{.}50$

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Liquidity Risk Ratios $(\%)$

Net Loans & Leases to Assets $49\mathrm{.}0951\mathrm{.}4059\mathrm{.}5851\mathrm{.}98$

$\%$ Core Deposits $90\mathrm{.}0489\mathrm{.}9290\mathrm{.}21.82\mathrm{.}79$

Time Deposit above Insurance Limit $4\mathrm{.}353\mathrm{.}744\mathrm{.}403\mathrm{.}85$

Available for Sale Securities $30\mathrm{.}0024\mathrm{.}7531\mathrm{.}1724\mathrm{.}76$

Capital Risk Ratios $(\%)$

Tier $1$ Leverage Ratio $($equity$/$assets$)8\mathrm{.}2411\mathrm{.}668\mathrm{.}0511\mathrm{.}77$

Total Capital to Total Asset Ratio $12\mathrm{.}4820\mathrm{.}8113\mathrm{.}0720\mathrm{.}44$

Evaluate respectively WPB$$s credit risk, liquidity risk, & capital risk compared to

the PG$,$ and discuss potential problems revealed for WPB based on this analysis.