Refer to the data above. Suppose there is a deposit outflow of $8, 792. What is the deficiency in reserves or surplus of reserves after the outflow. $4, 065 -$3848 -$217 $19, 783 If a portion of the loans extended by commercial banks is taken as cash rather than as checkable deposits, the maximum money creating potential of the commercial banking system will: be equal to twice the reciprocal of the reserve ratio. be unaffected. increase. decrease. Suppose the reserve requirement is 10%. After a deposit of $197, 270 of new currency into a checking account in the banking system, excess reserves will increase by: $177, 543 $197, 270 $19, 727 $39, 727