Using the following information for Sun-up National Bank, calculate that bank's ratio of total-capital-to-risk-weighted assets under the terms of the Basel I Agreement. Does the bank have sufficient capital? $18.1 million On-Balance-Sheet Items (Assets) Cash $ 3.5 million U.S. Treasury securities 25.6 Deposit balances due from other banks 4.0 Loans secured by first lines on residential property (1- to 4-family dwellings) 19.7 Loans to corporations 105.3 Total assets $158.1 million Of-Balance-Sheet Items Standby letters of credit backing municipals and corporate borrowing Long-term binding commitments to corporate customers Total off-balance- sheet items Total capital 40.2 million $58.3 million $11.8 million