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What actions could the bank management team take to improve the bank's Tier 1 and Total Capital ratios?
Info related to question is as followed:
| Accounts | Amount | Weight | Risk-Adjusted Assets |
| Cash Assets | $17,000,000 | 0% | $0 |
| Loans Secured By Real Estate | $40,000,000 | 50% | $20,000,000 |
| Commercial Loans | $45,000,000 | 100% | $45,000,000 |
| Government Securities Owned | $16,000,000 | 0% | $0 |
| Goodwill | $5,000,000 | 0% | $0 |
| Bank Fixed Assets | $15,000,000 | 0% | $0 |
| Total Assets | $138,000,000 | Total Risk | $65,000,000 |
| Demand Deposits | 50,000,000 | ||
| Time and Savings Deposits | 66,000,000 | ||
| Federal Funds Purchased | 15,000,000 | ||
| Trust Preferred Securities | 2,000,000 | ||
| Owners Capital | 5,000,000 | ||
| Loan Loss Reserves | 10,000,000 | ||
| Remanding Accounts Total | 148,000,000 | ||
| Total Liabilities and owner Equity | 138,000,000 | ||
| Equity Capital Ratio | 3.62% | ||
| Tier 1 Ratio | 3.08% | ||
| Total Capital Ratio | 18.46% |
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