Consider the following balance sheets of two banks. These two banks have equal amounts of assets but are leveraged differently. Assume that there is no regulatory capital requirement.Balance Sheet of Arch BankAssetsLiabilitiesOutstanding Loans:$$100,000$Deposits $($Liabilities$)$:$$80,000$Capital $($Net worth$)$:$$20,000$Total:$$100,000$Total:$$100,000$Balance Sheet of Medes BankAssetsLiabilitiesOutstanding Loans:$$100,000$Deposits $($Liabilities$)$:$$95,000$Capital $($Net worth$)$:$$5,000$Total:$$100,000$Total:$$100,000$Which bank has a lower leverage ratio?Arch BankMedes Bank