Ignore "Is the bank meeting its regulatory capital requirement"

What is its capital deficit/surplus?

United Lending Corp., a depository institution regulated by the Fed, has the below segments in its loan portfolio. Its cost of funding is 2.75%. (All rates are per annum.) It has 25 billion in Tier 1 regulatory capital and must maintain an 8% Tier 1 capital ratio. 400 billion in high grade loans at 20% risk weight (RW), 4.00% interest, and a 0.20% expected loss (EL) . 150 billion in A-rated quality loans at 50% RW, 4.75% interest, and a 0.40% EL - 100 billion in BBB quality loans at 100% RW, 5.50% interest, and a 0.8% EL 75 billion in low credit quality loans at 150% RW, 9.00% interest, and a 4.25% EL is the bank meeting its regulatory capital requirements? United Lending Corp., a depository institution regulated by the Fed, has the below segments in its loan portfolio. Its cost of funding is 2.75%. (All rates are per annum.) It has 25 billion in Tier 1 regulatory capital and must maintain an 8% Tier 1 capital ratio. 400 billion in high grade loans at 20% risk weight (RW), 4.00% interest, and a 0.20% expected loss (EL) . 150 billion in A-rated quality loans at 50% RW, 4.75% interest, and a 0.40% EL - 100 billion in BBB quality loans at 100% RW, 5.50% interest, and a 0.8% EL 75 billion in low credit quality loans at 150% RW, 9.00% interest, and a 4.25% EL is the bank meeting its regulatory capital requirements