Consider a bank with the following balance sheet:

Assets		Liabilities
Required Reserves	$ 8 million	Checkable Deposits	$100 million
Excess Reserves	$ 3 million	Bank Capital	$ 6 million
T-bills	$45 million
Commercial Loans	$50 million

The bank commits to a loan agreement for $10 million to a commercial customer. Calculate the banks capital ratio before and after the agreement. Calculate the banks risk-weighted assets before and after the agreement.