Growth: The bank sought to keep pace with the regions strong economic growth by rapidly expanding the loan portfolio. Many new credit opportunities were opening up due to the banks ability to offer a wider menu of financial services to customers. There was some evidence that loan concentrations had increased, especially with respect to certain local industries that had been particularly successful and, subsequently, had increased their credit lines with the bank. Bank management had become more risk tolerant in light period of good economic times.

What recommendation or assumptions can be made to grow capital