A Bank with $500 Million in Deposits Holds $35 Million

A bank with $500 million in deposits holds $35 million in vault cash,has $40 million on deposit with the Bank of Canada,and owns $50 million in government securities.If a fall in the desired reserve ratio generates excess reserves of $25 million,and prior to the fall the bank had no excess reserves,then the former desired reserve ratio was ________ and the new desired reserve ratio is ________.

A) 15 percent;10 percent
B) 20 percent;15 percent
C) 20 percent;10 percent
D) 14 percent;10 percent