All apps in your multi task bar are recently used apps, they are not running although there are exceptions with some apps, navigation and location based apps being an example of these. IOS will suspend apps within a few seconds when you tap the home button, but they can still be using some memory as to be ready to launch again when you need. When you launch another app which is memory intensive, IOS will kick these apps out of memory to free up more memory for your new app to run. They will still be shown in your multitask bar even though they can be totally inactive and not using memory at all.
Well thats how it is meant to work but some apps do not behave like they should which is why it is a good idea to clear out your multi task bar regularly just so that you don't have a problem with apps crashing because of a memory issue. Hope this helps you.