<Tr> <Td> Goodwill and other intangibles </Td> <Td> 3,297 </Td> <Td> Total Equity </Td> <Td> 8,703 </Td> </Tr> <Tr> <Td> Total Assets </Td> <Td> 107,787 </Td> <Td> Total Liabilities plus Net Worth </Td> <Td> 107,787 </Td> </Tr> <P> In this example the cash reserves held by the bank is NZ $3,010 m (NZ $201 m Cash + NZ $2,809 m Balance at Central Bank) and the Demand Deposits (liabilities) of the bank are NZ $25,482 m, for a cash reserve ratio of 11.81% . </P> <P> The key financial ratio used to analyze fractional - reserve banks is the cash reserve ratio, which is the ratio of cash reserves to demand deposits . However, other important financial ratios are also used to analyze the bank's liquidity, financial strength, profitability etc . </P>

In a fractional reserve banking system an increase in reserve requirements