Suppose the required reserve ratio is 15%, and a Japanese bank has the following assets, liabilities, and stockholders' equity: reserves = ¥85 million, checking accounts = ¥500 million, loans = ¥400 million, borrowings from the Bank of Japan = ¥80 million, stockholders' equity = ¥75 million, securities = ¥150 million and other assets = ¥20 million. Given this information, calculate the amount of excess reserves or the reserve deficiency for this bank.