5. Assume that a bank $10,000 deposit. The reserve ratio is 10% and the bank already had $100,000 in deposits and holds no excess reserves. Draw the bank's T account both before and after the deposit. 6. Assume that a bank $20,000 deposit. The reserve ratio is 20% and the bank already had $500,000 in deposits and holds no excess reserves. Draw the bank's T account both before and after the deposit.