A bank has risk-weighted assets or $409 million and the following sources of regulatory capital (in $ millions): Allowance for Loan Losses $2.83 Common Stock (Par) $1.01 Intermediate-Term Preferred Stock $4.09 Perpetual Preferred Stock $3.7 Subordinated Debt $3.41 Surplus $7.32 Undivided Profit $20.94 What is the bank's ratio of Tier 2 capital to risk-weighted assets?