National Bank has the following balance sheet (in millions) and has no off-balance-sheet activities. (LG 13-7) Assets Liabilities and Equity Cash $ 20 Deposits $ 980 Treasury bills 40 Subordinated debentures 40 Residential mortgages 600 Common stock 40 Business loans Retained earnings 30 (BB+ rated) 430 Total liabilities Total assets $1,090 and equity $1,090

a. What is the leverage ratio?

b. What is the Tier I capital ratio?

c. What is the total risk-based capital ratio?

d. In what capital risk category would the bank be placed?