Determine whether the following statements are true, false, or uncertain. Please correct the false statements.
a. Having a high level of excess reserves is important to a banker because excess reserves reflect good bank management.
b. Excess reserves are important to a banker because they indicate the profits that can be divided among the bank's owners.
c. Excess reserves are important to a banker because, if they are not maintained, banking regulators may fine or shut down the bank.