First Bank started its first day of operations with 5 million KD in capital. A total of 100 million KD in checkable deposits is received. The bank makes a 30 million KD commercial loan and another 30 million KD in securities. The required reserve ratio is equal to 10%.

What does the bank balance sheet look like? Use a T-account. b. If the bank suffers a deposit outflow of 60 million KD, what actions could First Bank take? At what cost if any? Use T-accounts in your answer.