4. Oldhat Financial starts its first day of operations with $11 million in capital. A total of $120 million in checkable deposits are received. The bank makes a $30 million commercial loan and another $40 million in mortgages with the following terms: 200 standard, 30-year, fixed- rate mortgages with a nominal annual rate of 5.25%, each for $200,000. Assume that required reserves are 8%. a. What does the bank balance sheet look like? b. How well capitalized is the bank? c. Calculate the risk-weighted assets and risk-weighted capital ratio after Oldhat's first day