Consider the excel spreadsheet for information about the bank and answer the following questions.

Is this bank considered well capitalized? Why or why not?

How are the banks efforts to maintain adequate capital and allow growth been given their positive (negative) asset growth over the last four years?

What makes Total Bank Equity Capital and Tier 1 (core) & Tier 2 risk-capital different?

How is the bank's standing when the capital is judged by risk-weighted assets on and off the balance sheet?

31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17 1 1 1 288,886 139,713 266,652 0 126,803 0 0 0 47,882 35,488 24,410 28,322 0 0 0 0 0 0 Number of institutions reporting Bank equity capital, balance at previous year-end Restatements from amended reports of income, net Net income Sale, conversion, retirement of capital stock, net Treasury stock transactions, net Changes incidental to business combinations, net Cash dividends declared on preferred stock Cash dividends declared on common stock Other comprehensive income Other transactions with parent holding company Total bank equity capital, balance at end of current period Oo oo 0 0 126,891 0 0 0 12,200 1,022 15,396 -16 14,500 1,246 0 288,886 31,159 -703 7,500 266,652 78 0 325,667 139,713 31-Dec-20 31-Dec-19 31-Dec-18 31-Dec-17 1 1 1 288,886 139,713 266,652 0 126,803 0 0 0 47,882 35,488 24,410 28,322 0 0 0 0 0 0 Number of institutions reporting Bank equity capital, balance at previous year-end Restatements from amended reports of income, net Net income Sale, conversion, retirement of capital stock, net Treasury stock transactions, net Changes incidental to business combinations, net Cash dividends declared on preferred stock Cash dividends declared on common stock Other comprehensive income Other transactions with parent holding company Total bank equity capital, balance at end of current period Oo oo 0 0 126,891 0 0 0 12,200 1,022 15,396 -16 14,500 1,246 0 288,886 31,159 -703 7,500 266,652 78 0 325,667 139,713