The balance sheet for First Capital Bank is shown below in millions.

Assets	Liabilities & Equity
Cash 170	Deposits 435
Mortgages 227	Repos 253
Consumer Loans 124	Commercial Paper 36
C&I Loans 139	Qualified Cumulative Perpetual Preferred Stock 3
Residential Property 45	Retained Earnings 10
Securities 55	Common stock 23
TOTAL ASSETS: 760	TOTAL LIABILITY & EQUITY: 760

a) Use the balance sheet to find the total annual premium the FDIC will charge First Capital Bank to insure its deposits. Assume that the bank was classified as supervisory concerned in its last FDIC review. Further, assume deposits are all insured and their tier I and total risk-based capital ratios are: 5.2% and 11% respectively.

b) Suppose First Capital Bank has a tier I risk-based capital ratio, total risk-based capital ratio and leverage ratio of: 4.37% 9.87% and 4.2% respectively. They were classified as substantially supervisory concerned by FDIC evaluators. How much will they have to pay for FIDC insurance over the coming year? (assume deposits remain constant)