Banks Have an Incentive to Minimize Their Excess Reserves Since

Banks have an incentive to minimize their excess reserves since

A) they earn only a very low interest rate on the reserves they hold at the Fed
B) larger reserves mean less liquidity
C) deposits are bank assets while reserves are not
D) the higher the reserve-deposit ratio, the weaker the bank's financial position
E) it makes banks less vulnerable in case there is a run on banks