A commercial bank has mixed up the assets and liablities items as follows: (in $ thousand)

Checkable deposits	80
Deposit with central bank	20
Cash on hand	20
Savings	120
Long-term loan to customer	150
Security (fixed rate)	80
Capital	120
Other assets	35
Borrowing from other bank	80
Time deposits	150
Short-term loan to customer	120
Deposit with other bank	65
Security (floating rate)	60

1. Rearrange the above items into a balance sheet of the bank
2. If the required reserve ratio is 10% for checkable deposit and 5% for saving deposits and time deposits, does the bank hold any exess reserves? If yes, how much are they? What is the meaning of these excess reserves.
3. If customers withdraw 10 from checkable deposits and 20 from saving accounts,
   1. What will the banks balance sheet be? Using T-account
   2. What is the problem of this new balance sheet.
   3. How can the bank do to solve this problem