4. Oldhat Financial started its first day of operations with million in capital. million in checkable deposits are received. The bank issues a million commercial loan and another million in mortgages, with the following terms: Mortgages: 200 standard 30-year, fixed-rate with a nominal annual rate of 5.25% each for . Commercial loan: Three-year loan, simple interest paid monthly at 0.75% per month. a. If required reserves are 8%, what does the bank balance sheet look like? Ignore any loan loss reserves. b. How well capitalized is the bank?