XYZ Bank has total assets of $ 4.75 billion, of which 3.56% is non earning. XYZ calculates Net Interest Margin (NIM) by using Earning Assets in the denominator (vs. total assets). The NIM is equal to .015 (1,5%). If the average interest rate paid by XYZ is 3% on its earning assets, calculate its Interest Expense (IE). Given this, also calculate XYZ's Interest Income (I)