Onshore bank has $20 million in assets, with risk-adjusted assets of $10 million. Tier 1 capital is $500,000 and Tier II capital is $400,000. If the bank issues $100,000 in common stock and use it to issue mortgage loans (risk-weight 50%), what is the new total capital ratio? Select one: a. The new total capital ratio is 4.98% b. The new total capital ratio is 6% c. The new total capital ratio is 5.97% d. The new total capital ratio is 9.95% e. The new total capital ratio is 10%