Consider a bank with the following balance sheet:

Assets		Liabilities
Reserves	$100 million	Deposits	$900 million
Securities	$50 million	Bank capital	$50 million
Loans	$800 million

If the bank has to write off $10 million in loans and customers withdraw $40 million in checkable deposits, how would this affect the banks balance sheet? Would the bank be insolvent? Would the bank be short of reserves if the required reserve ratio is 10%?