Here are some references to my main assertion that reserve requirements don't limit a bank's ability to loan, instead capital requirements are the limiting factor.

Another good source from digi_owl: http://www.bankofengland.co.uk/publications/Documents/quarte...

Also this: https://www.newyorkfed.org/medialibrary/media/research/epr/0...

and this: http://www.economonitor.com/lrwray/2013/08/15/banks-dont-len...

and finally this: http://www.forbes.com/sites/francescoppola/2014/01/21/banks-...