What Is the Leverage Implied by the Bank Balance Sheet

What is the leverage implied by the bank balance sheet listed below?
$\begin{array}{c}\begin{array}{lr}\text { Assets }\\\text { Reserves } & \$ 19,000,000 \\\text { Loans Outstanding } & \$ 2,000,000 \\\hline \text { Total } & \$ 21,000,000\\\\\\\end{array}\begin{array}{lll}\text { Liabilities \& Net Worth }\\\text {Checking deposits}& \$ 20,000,000\\\\\text { Net Worth }\\\text {Stockholders' Equity}& \$ 1,000,000\\\hline \text { Total}& \$ 21,000,000 \\\end{array}\end{array}$

A) 10-to-1
B) 12-to-1
C) 20-to-1
D) 21-to-1