Totally wrong.  That document is not about loans.  It doesn&#x27;t even mention the word &#x27;loan&#x27;, except in the context of &#x27;savings and loan associations&#x27;.<p>The document is about reserve requirements for <i>deposits</i>.  Roughly speaking, if a bank takes in $100MM of deposits, it has to keep 10% of that ($10MM) in a way that&#x27;s easy to access (either as cash in a vault, or as a deposit at the central bank).  That way, if a depositor wants their money back, the bank will probably be able to give it to them.<p>If a bank has <i>total</i> deposits of less than $14.5MM, then the reserve ratio is 0%, instead of 3% or 10%.