150 4. National Bank of Texas has the following balance sheet (in millions) and has no off-balance- sheet activities (ignore Business Indicator Capital Requirements - p. 640). Parts a-g are worth 2 points each and part h is worth 4 points. Assets Liabilities and Equity Cash $40 Demand Deposits $360 Treasury bills and notes 140 MMDAs 400 Residential mortgages CDs 669 (category 1; loan-to-value Subordinated Debt ratio = 70%) 300 Residential mortgages Non-Cumulative perpetual (category 2; loan-to-value preferred stock ratio 90+%) Common Stock Consumer loans 80 Retained Earnings Business loans 830 Premises 30 Reserve for loan losses (8) Total assets S1,562 Total liabilities and equity What is NBTS credit risk adjusted asset amount under BASIL INI? b. What is the CETI risk-based ratio? What is the Tier I risk-based capital ratio? d. What is the total risk-based capital ratio? e. What is the leverage ratio? f. In what capital risk category would the bank be placed? English (United States) $1.562 b. c. d. e. f. 8. What is NBTs credit risk adjusted asset amount under BASIL III? What is the CETI risk-based ratio? What is the Tier I risk-based capital ratio? What is the total risk-based capital ratio? What is the leverage ratio? In what capital risk category would the bank be placed? Based on the Capital Conservations Buffer requirement, what is the maximum Payout Ratio NBT is allowed? h. Assume NBT has historically maintained a dividend payout ratio of 50%. If you were a stockholder and Director of NBT, what would you do as a result of your answers to parts - g? Why