se the required reserve ratio is 5%. if a bank has deposits of $100,000 and holds $10,000 as reserves, how much of the $10,000 is excess reserves? explain. if a bank holds no excess reserves and it receives a new deposit of $1,000, how much of that $1,000 can the bank lend out and how much is the bank required to add to its reserves? explain. by how much can an increase in excess reserves of $2,000 change the money supply in a checkable deposits-only system? explain. (4 points)