Bank has total assets of $200bn. Reserves amount to $15bn, securities $55bn with the residual accounted for by loans and loan loss reserves (the latter entered as a $15bn contra-asset on the balance sheet). Debt liabilities comprise deposits of $150bn and other debt totaling $30bn. The coverage ratio is 50%.

3a) What is Banks leverage ratio?

3b) What is Banks reserves ratio?

3c) What is the implied value of Banks NPLs (non-performing loans?)

3d) What is Banks Texas Ratio?

3e) Should we be concerned about Bank? (explain)