In September 2007, Regions Bank Held $3 Million in Reserves

In September 2007, Regions Bank held $3 million in reserves against M1 deposits and made $83 million in loans. Between September 2007 and September 2008, deposits decreased from $114 million to $95 million. If Regions Bank wants to maintain its desired reserve ratio in 2008, it will

A) definitely make more loans.
B) cannot make more loans.
C) decrease its reserves.
D) increase its reserves.