No, you don't understand.
Every company has capital. Eg let's say you and a business partner decide to set up a company to bake cakes and sell cakes.
You contribute $20,000 and he contributes $20,000. So now the company has $40,000. You decide to use some of it to hire employees; buy baking equipment; renovate the shop etc.
And you also decide to set aside some of the capital, for emergency purposes, by placing it on fixed deposit or investing it in a low-risk money market fund. That's "capital reserves".
Would you say that the government printed that money for you? If you insist. All money is printed by the government anyway.