Relegated Regulated Credit Corp., a depository institution regulated by the Fed, has the segments below that comprise its loan portfolio. Its cost of funding is 2.00%. (All rates are per annum.) It has 54 billion in Tier 1 regulatory capital and must maintain an 8% Tier 1 capital ratio 500 billion in high grade loans at 20% risk weight (RW), 2.25% interest, and a 0.01% expected loss (EL) 350 billion in A-rated quality loans at 50% RW, 3.25% interest, and a 0.05% EL 225 billion in BBB quality loans at 100% RW, 4.00% interest, and a 0.20% EL 100 billion in low credit quality loans at 150% RW, 8.00% interest, and a 2.75% EL What is the bank's surplus/deficit to its required regulatory capital? 20 billion surplus 2.0 billion deficit Currently meets regulatory capital requirement Not enough information is provided