$121 The following entries are from the actual balance sheet of a U.S. bank: Cash, including cash items in the process of collection Non-interest-bearing deposits Deposits with the Federal Reserve 275 190 Commercial loans 253 Long-term bonds (issued by the bank) 439 Real estate loans 1550 Commercial paper and other short-term borrowing 70 Consumer loans 950 1800 Interest-bearing deposits Buildings and equipment Other liabilities 16 491 Note: Values are in billions of dollars. 2. Using the entries above, what is this bank's leverage ratio? Given that US regulators require a minimum Tier 1 ratio of 5% is this bank undercapitalized or overcapitalized