answer is 22.89% but i need an explanation on how its 22.89%. Thank you!

Use Table 3. Is Tribank well capitalized based on the capital ratio? Table 3 Assets Liabilities Checkable Reserves 11 64 Deposits Loans 52 Bank Capital T-bills 20 Select one: a. Yes, the capital ratio is 26.39% which is above 5% b. Yes, the capital ratio is 24.64% which is above 8% X c. Yes, the capital ratio is 22.89% which is above 5% d. Yes, the capital ratio is 36.54% which is above 5%