Question 1 The required reserve ratio is the: actual amount of reserves that banks must hold. excess amount of reserves that a bank must hold. minimum amount of reserves the Fed requires a bank to hold. total amount of reserves that banks hold at all times. Question 2 The discount rate is the interest rate: commercial banks charge their low-risk customers for a loan. savings and loan associations pay for using savings deposit funds. the U.S. Treasury pays individuals who buy Treasury bonds in denominations of $10,000 or more. the Federal Reserve charges banking institutions for borrowing its funds. 1 pts 1 pts