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Blak Weight 0% 0% 20% 20% 50% 100% Royalty. National Bank (RND) (Dollars in Thousands) 2011 Assets Cash $ 13,259 Treasurles 28,400 Agency securities 33,078

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Blak Weight 0% 0% 20% 20% 50% 100% Royalty. National Bank (RND) (Dollars in Thousands) 2011 Assets Cash $ 13,259 Treasurles 28,400 Agency securities 33,078 Federal funds sold 43,100 1-4 dwelling mortgages 437,346 Other mortgages 224,227 Loon loss reserves (66,234) Commercial mortgages, 58,217 Consumer loans 37,018 Fixed assets 32,446 Other real estate owned 28,900 Goodwill 9,030 Intangibles 28.012 TOTAL ASSETS $906,804 Liabilities and Net Worth NOW accounts $ 86,542 Passbook savings accts. 16,847 Money market dep, aocts. 139,129 Time deposits 465,411 Advances-FHLB 98,000 Borrowed from banks 8,700 Reverse repos 12,850 Other borrowings 7,351 Accounts payable 2,717 Other liabilities 4,547 Stockholders' equity 64.710 LIAB. & EQUITY $906,804 100% 100% 100% 100% Calculate the risk-weighted assets, the risk-based capital ratios, and the Tier I leverage ratio for RNB. Be sure to show all your calculations. Loan loss reserves up to the limit of 1.25% of risk-weighted assets are allowed as Tier II capital, Discuss the bank's regulatory capital adequacy for 2011

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