Step-By-Step
Money Supply Chart

Step1.gif (1728 bytes)
1. Government pays $10,000 for
services and the money is
deposited in the First
National Bank.

Step2.gif (1989 bytes)
2. Wendy Wilcox borrows
$8,000.

Step3.gif (1623 bytes)
3. Wendy Wilcox pays $8,000
for a new car. Gonow Auto
deposits the money in the
Second National Bank.

Step4.gif (1856 bytes)
Second National Bank lends
Sports Shop $6,400

Step5.gif (1852 bytes)
5. Eventually $50,000 will be
added to the money supply.

Summary of Transactions

 
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Loaning money to failing banks prevents everyone from withdrawing their money at the same time.

Deposit
Reserves
Loans
Additions to Money Supply
$10,000
$10,000
$2,000
$8,000
$8,000
$1,600