If a bank that faces a 10% reserve ratio received a deposit of $50,000 and makes a loan to a customer for $5,000, what is the consequence if the bank then deposits the rest of the funds at the Federal Reserve? A. Excess reserves increase by $50,000. B. Excess reserves increase by $45,000 and required reserves increase by $5,000. C. Excess reserves increase by $5,000 and required reserves increase by $45,000. D. Excess reserves increase by $40,000 and required reserves increase by $5,000. . Reserves are not affected