Whitehaven Bank is considering changing its asset mix by moving $$850$ million of commercial loans into Treasury securities$.$ If it does not change its other assets and its capital remains the same, its risk$-$based capital ratio

Select one:

$$ A$.$ will decrease because the earnings rate on Treasuries is less than on loans.

$$ B$.$ will decrease by $18\mathrm{.}67$ percent.

$$ C$.$ will not change because the total assets have not changed.

$$ D$.$ will increase because the assets will have lower risk.

$$ E$.$ will change, but the direction cannot be determined with the information given.