I could be wrong (I'm not a finance guy) but this isn't my understanding of how fractional reserve banking works.
If Apple deposits $200 billion and the ratio is 1/10, then the bank can loan out $180 billion of that 200; it must keep $20 billion in reserve - 1/10th.
In your scenario, the bank has negative $1.8 trillion in reserve.
If Apple deposits $200 billion and the ratio is 1/10, then the bank can loan out $180 billion of that 200; it must keep $20 billion in reserve - 1/10th.
In your scenario, the bank has negative $1.8 trillion in reserve.