Royal Bank of New York, a U.S. national bank, has $25 million in capital and surpluses and $36 million in total time and savings deposits. Average revenue for the bank in the last three years is $8.5 million and a net interest income of $2.1 million. What is the maximum volume of real estate loans that the bank can make? $25.2 million $29.4 million $8.4 million $25.9 million $2.1 million