Fifth Bank has the following balance sheet with values stated in millions of dollars. All assets are associated with corporate customers (not governments or sovereigns). Refer to Table 20-8 for associated risk weights. | $550 $80 Deposits $100 Cash Municipal General Obligation Bonds Residential Mortgages 1-4 family (LTV 60% - 30%) Commercial loans 1 Total Assets $220 Long-Term Debt $290 $500 Equity $900 1 $60 $900 In addition, Fifth Bank has off-balance sheet items as follows: (Refer to Tables 20-10 and 20-11) $50 million in commercial letters of credit (LCS). $300 million in 3-year interest rate swaps that are in-the-money by $2 million $50 million in 4-year forward FX contracts that are out-of-the money by $2 million What is the minimum Tier 1 and Total risk-based capital Fifth Bank needs in order to be considered adequately capitalized under Basel Ill capital requirements for both on-balance sheet and off-balance sheet items? O $38.91 million; 551.88 million. O $51.88 million; 564.85 million. O $38.91 million; 550.40 million. O $50.40 million; 567.5 million. O $40.71 million; $63.0 million. Fifth Bank has the following balance sheet with values stated in millions of dollars. All assets are associated with corporate customers (not governments or sovereigns). Refer to Table 20-8 for associated risk weights. | $550 $80 Deposits $100 Cash Municipal General Obligation Bonds Residential Mortgages 1-4 family (LTV 60% - 30%) Commercial loans 1 Total Assets $220 Long-Term Debt $290 $500 Equity $900 1 $60 $900 In addition, Fifth Bank has off-balance sheet items as follows: (Refer to Tables 20-10 and 20-11) $50 million in commercial letters of credit (LCS). $300 million in 3-year interest rate swaps that are in-the-money by $2 million $50 million in 4-year forward FX contracts that are out-of-the money by $2 million What is the minimum Tier 1 and Total risk-based capital Fifth Bank needs in order to be considered adequately capitalized under Basel Ill capital requirements for both on-balance sheet and off-balance sheet items? O $38.91 million; 551.88 million. O $51.88 million; 564.85 million. O $38.91 million; 550.40 million. O $50.40 million; 567.5 million. O $40.71 million; $63.0 million