subnet calculator and how to solve problem - computer network

There are two kinds to calculate
1. No subnet borrowing
Class A: 255 . 0    .  0   . 0   ==>network id=8bit, host id=24bit range from 0-127
Class B: 255 .255 .  0   . 0  ==>network id=16bit, host id=16bit range from 128-191
Class C: 255 .255 .  0   . 0 ==>network id=24bit, host id=8bit range from 192-223

Question: give ip adress, and asked to find subnet id, network address, broadcast address?

Ex: IP: 10.45.200.197
we can define this ip as in group A because 10 is in range 0-127
subnet id: 255 .  0  .  0  .  0
    &        10   . 45 . 200. 197
----------------------------------
               10 . 0. 0. 0 Network address
to find broadcast address, we set 32-8 = 24bit at last to 1s.
so we get   |0000 1010 | 1111 1111|1111 1111 |1111 1111 | = 10.255.255.255 broadcast address
2. Subnet borrowing  nework id | subnet id | host
ex: 10 . 16. 8 . 15 it's in class A
subnet borrow 10 bit ==>| 8 | 10 | 14 |
subnet id: |1111 1111 | 1111 1111 | 1100 0000 | 0000 0000|
   &         0000 1010 |0001 0000| 0000 1000 | 0000 1111|
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                0000 1010|0001 0000| 0000 0000 | 0000 0000| = 10.16.0.0 Network address
to find broadcast address, we set 14 bit at last to 1s of IP
so we get  |0000 1010|0001 0000 |0011 1111|1111 1111| = 10.16.63.255 Broadcast address