The following is an T-account for a local bank: Cash $1M Checkable Deposit $95M Reserves $6M Saving Deposit $95M T-bills $45M Certificate Deposit $100M Inter-bank (US banks) borrowing $50M Borrowing from the Fed $30 Residential Mortgage $100M Corporate Loan $85M Commercial Mortgage $75M Capital $42M Please find the capital ratio for this bank. (5 points) If the bank has $190M in off-balance sheet activities, what is the risk-weighted capital ratio? (15 points) If the interest rate expects to drop by 1% over the next year, what will be the impact on the expected profit? (15 points) If the average maturity for the assets is 5 years, and the average maturity for the liabilities is 2 years. What is expected in the value of the bank's capital if the interest rate drop by 1% over the next year. (15 points)