What Effect Does a Bank's Decision to Make Fewer Loans

What effect does a bank's decision to make fewer loans and hold more excess reserves have on a bank's balance sheet?

A) Assets would decrease; there would be no change to liabilities.
B) There would be no change to assets; liabilities would decrease.
C) Assets would increase; there would be no change to liabilities.
D) There would be no change to assets or liabilities.
E) Assets and liabilities would both decrease.