Money, banking, and the federal reserve system work it out: question 1 of 3 show the changes to the t-accounts for the federal reserve and for commercial banks when the federal reserve buys $50 million in u. s. treasury bills. if the public holds a fixed amount of currency (so that all loans create an equal amount of deposits in the banking system), the minimum reserve ratio is 10%, and banks hold no excess reserves. show the initial change in the balance sheet for the federal reserve (use + to indicate an increase and – to indicate a decrease). assets change by million . liabilities change by million.