CIBC has the following hypothetical balance sheet as December 31, 2020: Reserves $90m, loans $140m, and Deposits $180m. The desired reserve ratio is 15% and the net profit of the bank is $4m a) List the above information in a T account b) Calculate the desired reserve and the excess reserve, if any. c) Calculate the return on assets, return on equity, and the equity multiplier. d) 45m of the loans became worthless. Reflect that in the Taccount and comment generally on the health of the bank