What Contributed MOST to the Collapse of the Freedmen's Bank

What contributed MOST to the collapse of the Freedmen's Bank in 1874?

A) The bank could not secure deposits because not enough blacks made enough money to keep the bank afloat.
B) The federal government refused to take any action to assist the bank when it hit hard times after the Panic of 1873.
C) Rich industrialists manipulated the bank for their own profit,weakening the bank's finances before a general depression brought it down.
D) As president of the bank,Frederick Douglass insisted on loaning out money to freedpeople who had no collateral,quickly exhausting the bank's funds.