Oldhat Financial starts its first day of operations with $7 million in capital. A total of $130 million in checkable deposits are received. The bank makes a $25 million commercial loan and another $50 million in mortgages, with the following terms: 200 standard 30-year, fixed-rate mortgages with a nominal annual rate of 5.25%, each for $250,000. Assume that required reserves are 8%. Complete the bank's balance sheet provided below. (Round your responses to the nearest whole number.) The leverage ratio is 3.30%, and the bank is in a dire capital position (Round your response to two decimal places.) One or more of your responses is incorrect. The leverage ratio is the amount of capital divided by the bank's total assets. To be classified as well capitalized, a bank's leverage ratio must exceed 5%