What is (are) the function(s) of bank capital? What are the advantages and disadvantages of using financial leverage? Answer the last question from both the banker’s point of view and the bank regulator’s point of view. Calculate and show the three (3) capital ratios for your bank- that is, total risk-based ratio, tier 1 risk –based ratio, and tier 1 leverage ratio. Into which category does your bank fall--- well- capitalized, or ----? Describe what has happening to each of these ratios in your bank over the past two years. Has your bank raised any external capital during the last three year--- like issuing new common stock shares? If so, from what sources?