A bank has risk-weighted assets or $409 million and the following sources of regulatory capital (in $ millions): Allowance for Loan Loss $3.27 Common Stock (Par) $1.01 Intermediate-Term Preferred Stock $2.47 Perpetual Preferred Stock $2.12 Subordinated Debt $4.35 Surplus $7.93 Undivided Profit $21.1 What is the bank's ratio of Tier 1 capital to risk-weighted assets?