The ABC Commercial Bank has $5,000 in excess reserves and the reserve ratio is 30 percent. The bank must have: $20,000 in checkable deposit liabilities and $10,000 in reserves $90,000 in checkable deposit liabilities and $35,000 in reserves $90,000 in outstanding loans and $35,000 in reserves $90,000 in checkable deposit liabilities and $32,000 in reserves