Onshore Bank has $24 million in assets, with risk-weighted assets of $14 million. Core Equity Tier 1 (CET1) capital is $750,000, additional Tier I capital is $130,000, and Tier II capital is $408,000. The current value of the CET1 ratio is 5.36 percent, the Tier I ratio is 6.29 percent, and the total capital ratio is 9.2 percent.

1. The bank issues $2.4 million of CDs and uses the proceeds to issue category 1 mortgage loans with a loan-to-value ratio of 80 percent.

a. CET1 ratio = %

b. Tier I ratio = %

c. total capital ratio= %

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