4) Smart Financial starts its first day of operations with $15 million in capital. A total of $130 million in checkable deposits is received. The bank makes a $25 million commercial loan and another $50 million in mortgages with the following terms: 200 standard, 30-year, fixed rate mortgages with a nominal annual rate of 5.25%, each for Page 1 of 2 $250,000. Assume that required reserves are 11%. a. What does the bank balance sheet look like? b. How well capitalized is the bank? Show the calculation. c. Calculate the risk-weighted assets and risk-weighted capital ratio after Smart Financial's first day