A bank borrows $100,000 from the Bank of Canada, leaving securities worth $100,000 with the Bank of Canada to serve as collateral for the loan. The bank rate that applies to the loan is 4 percent and the desired reserve ratio is 10 percent. How much of the $100,000 borrowed by the bank will it keep as desired reserves? O $4,000 O $100,000 O $0 O $10,000