The following information relates to Gold Star National Bank. On-Balance-Sheet Items (Assets) Off-Balance-Sheet Items. Standby letters of credit backing Cash $4 million 20.5 million repayment of commercial paper U.S. Treasury securities 30.6 Long-term unused loan Deposit balances due from other commitments to 4 25.5 million banks corporate customers Loans secured by first liens on residential property Total off-balance-sheet items 46.0 million 1-to-4 family dwellings 66 Tier 1 capital 7.5 million Loans to corporations 105.3 Tier 2 capital 5.8 million Total assets 209.9 million The ratio of total capital to risk weighted assets is: 5.41% 4.35% O3.57% O 7.72% 5 pts