Assume that a bank in North Florida has cash of $12,987, real estate loans of $110,246, agricultural loans of $14,410, loans to individuals of $10,077 and an allowance for loan loss of $1,336. In addition, the bank has $26,693 in intangible assets and $8,079 in buildings. These assets are supported by $125,597 of deposits and $18,950 of common stock. What is the retained earnings for this bank? Assuming that all the equity qualifies as Tier 1 equity, does this bank meet capital adequacy requirements? Assuming that 75 percent of the retained earnings qualifies as Tier 1 does the bank meet the capital adequacy requirements?