What does the following data suggest about the bank and what recommendations can be made?

Excess Required reserves Round reserves Loans Deposits $500.00 Loan proceeds held as currency 0.00 Loan proceeds deposited $400.00 1 $100.00 $400.00 $400.00 2 $400.00 $80.00 $320.00 $320.00 0.00 $320.00 3 $320.00 $64.00 $256.00 $256.00 0.00 $256.00 4 $256.00 $51.20 $204.80 $204.80 0.00 $204.80 5 $204.80 $40.96 $163.84 $163.84 0.00 $163.84 6 $163.84 $32.77 $131.07 $131.07 0.00 $131.07 7 $131.07 $26.21 $104.86 $104.86 0.00 $104.86 8 $104.86 $20.97 $83.89 $83.89 0.00 $83.89 9 $83.89 $16.78 $67.11 $67.11 0.00 $67.11 10 $67.11 $13.42 $53.69 0.00 $53.69 $53.69 Totals $2231.56 $446.31 $1785.25 $1785.25 0.00 $1785.25 Excess Required reserves Round reserves Loans Deposits $500.00 Loan proceeds held as currency 0.00 Loan proceeds deposited $400.00 1 $100.00 $400.00 $400.00 2 $400.00 $80.00 $320.00 $320.00 0.00 $320.00 3 $320.00 $64.00 $256.00 $256.00 0.00 $256.00 4 $256.00 $51.20 $204.80 $204.80 0.00 $204.80 5 $204.80 $40.96 $163.84 $163.84 0.00 $163.84 6 $163.84 $32.77 $131.07 $131.07 0.00 $131.07 7 $131.07 $26.21 $104.86 $104.86 0.00 $104.86 8 $104.86 $20.97 $83.89 $83.89 0.00 $83.89 9 $83.89 $16.78 $67.11 $67.11 0.00 $67.11 10 $67.11 $13.42 $53.69 0.00 $53.69 $53.69 Totals $2231.56 $446.31 $1785.25 $1785.25 0.00 $1785.25