Bank XYZ has the following account information: (1) Total risk-weighted on- and off-balance-sheet assets $354m. (2) The deposits $798m; Subordinated debt (> 5 years) $3m, preferred stocks (cumulative dividend / nonqualifying) $3m and common equity $18m. In the adequately capitalized zone, the minimum adequacy ratio of CET1-risk based capital is 4.5%, Tier I risk-based capital is 6% and total risk-based capital is 8%. How much does the XYZ bank add the Tier I capital and Tier II capital to meet the minimum capital requirement for Tier I capital and Tier II capital?

a.$3.24m; $1.08m

b.$3.24m; $2.16m

c.$2.16m; $1.08m

d.$2.16m; $0.72m

e.$1.08m; $0.36m