A bank has risk-weighted assets or $409 million and the following sources of regulatory capital (in $ millions): Allowance for Loan Loss $2.67 Common Stock (Par) $1.15 Intermediate-Term Preferred Stock $2.38 Perpetual Preferred Stock $2.98 Subordinated Debt $4.93 Surplus $8.48 Undivided Profit $21.69 What is the bank's ratio of Tier 1 capital to risk-weighted assets?