Capital is not "deposits, bonds, assets"
A bank's capital is, in simplified terms, the shareholders' funds + long-term bonds. This is the risk finance. This is the money which can be used to take the hit, if the loans go bad.
So let's say that I set up a bank tomorrow with a share capital of €1m.
I can attract deposits of €10m and I make loans of €11m. I need the €1m in capital in case some of the loans go bad.
Now, let's say that I attract deposits of €100m. I am not allowed lend out more than €11m of this as I don't have enough capital to absorb the loans.
So leave out the deposits and most of the bonds from the capital. "assets" in this case have no direct relevance.