1. The following is a balance sheet of the Gamma bank (in 4 millions of dollars). K Assets Liabilities Required reserves (8) Checkable Deposits (80) Excess reserves (17) CB loans (13) Treasury bills (30) Common Stock (5) Commercial Loans (37) Bad debt provision (2) Mortgage (8) Tc) The bank makes a loan commitment of 15 million to a commercial customer and discovers 1 million bad loans that should write off the balance sheet. Calculate the bank's Tier 1 capital ratio before and after the agreement. (10 points) Note: Show all the details of balance sheet analysis! (d) In what capitalization (capital risk) category would the bank be placed before and after operation and why? (5 points)