The Table Below Shows Data in Millions) for Sun Trust

Multiple Choice

The table below shows data in millions) for Sun Trust Banks in September 2007 and September 2008.
$$\begin{array} { | c | c | c | } \hline & 2007 & 2008 \\\hline \text { Loans } & \$ 83 & \$ 78 \\\hline \text { Reserves } & \$ 4 & \$ 5 \\\hline \text { Deposits } & \$ 114 & \$ 95 \\\hline\end{array}$$
The data show that Sun Trust

A) has fewer excess reserves in 2008.
B) increased its reserve ratio to 6.4 percent over the 12 months.
C) faced a higher currency drain ratio in 2008.
D) increased its reserve ratio to 5.3 percent over the 12 months.