In addition to the bank balance sheet information shown below, the bank also has an Allowance for Loan Losses (ALL) of $10. The preferred stock shown is qualifying noncummulative perpetual preferred stock. Calculate the two required Basel I ratios and also the leverage ratio in order to answer the following: (1) Does this bank comply with Basel I capital requirements (why or why not?)? (2) Under U.S. PCA standards, which exact PCA capitalization class or level does this bank currently possess and why? Show all calculations in order to receive credit.

Assets	Amount		Liabilities and Equity	Amount
Cash	70		Non-interest deposits	150
Securities			NOW checking	150
U.S. Treasuries	200		MMDA	300
Fannie Mae (FNMA) MBS	80		CDs	240
Loans (net)			Fed Funds purchased	100
Home mortgage loans	200		Subordinated debt capital	5
Commercial loans	450		Preferred stock, perpetual	5
Fed funds sold	0		Common equity	50
	$1,000			$1,000