(finance money and banking)

Theta Bank has the following initial balance sheet:

Bank Assets (KD)	Bank Liabilities (KD)
Reserves 20,000	Deposits 100,000
Loans 90,000	Bank capital 20,000
Securities 10,000

Assume the required reserve ratio is equal to 15%. The bank faces a 30,000 KD deposit outflow. Using T-accounts, describe how the bank would use excess reserves and loans from other banks to respond to the deposit outflow