The Table Below Shows Data (In Millions) for Sun Trust

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