Excess reserves a. are reserves banks keep above the legal requirement. b. are reserves banks keep to meet the reserve requirement. c. are loans made at above market interest rates. d. are the deposits that banks do not use to make loans. suppose the required reserve ratio is 1313% and a bank has the following balance sheet: assets liabilities reserves $2 comma 0002,000 deposits $10 comma 00010,000 loans $8 comma 0008,000 this bank keeps required reserves of $nothing and excess reserves of $nothing. (enter your responses as integers.)