Derby Bank has total assets of $$350$ million, and the risky portion of the assets consist of $$100$ million of home mortgages and $$200$ million of commercial loans. The bank has an allowance for loan & lease losses or ALL of $3$ million, subordinated debt of $$5$ million, preferred stock of $$5$ million, and common stock of $$25$ million.

Under the new or curent U$.$S$.$ Prompt Corrective Action $($PCA$)$ rules what class of capitalization does this bank possess? Also, what is the ratio of total capital $($tier$1+$ tier $2)$ to risk weighted assets $($RWA$).$

A$.$

Well capitalized; total capital ratio of $14\mathrm{.}0\%$

B$.$

Adequately capitalized; total capital ratio of $10\mathrm{.}8\%$

C$.$

Well capitalized; total capital ratio of $15\mathrm{.}2\%$

D$.$

Well capitalized; total capital ratio of $12\mathrm{.}0\%$

E$.$

Adequately capitalized; total capital ratio of $12\mathrm{.}0\%$