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(a) Whoever, being an officer, agent, collector, teller, or clerk of any bank or foreign bank doing business in the United States Virgin Islands, receives any deposit knowing that such bank or foreign bank is insolvent—\n(1) if the amount or value of such deposit is less than $25, shall be fined not more than $100 or imprisoned not more than six months, or both; or\n(2) if the amount or value of such deposit is $25 or more, shall be fined not more than $3,000 or imprisoned not more than five years, or both.\n(b) Any bank or foreign bank shall be deemed insolvent, for the purposes of this title, when upon an examination made by the Banking Board, or by any of its authorized representatives, it is found that such bank or foreign bank has lost its entire reserve and one-third part or more of its capital stock.