If Chartered Banks Have More Reserves Than They Wish to Have

If chartered banks have more reserves than they wish to have, the impact on the money supply will be:

A) an increase in the money supply when banks lend out reserves.
B) a decrease, since the reserves came from people paying back loans.
C) a decrease in the money supply because interest rates will fall.
D) zero because the banks will pay back loans to the Bank of Canada.