Scenario 1:

Initial Deposit =
Reserve requirement =
Money Multiplier =
How many banks will it take to go through the multiplier process?
What will the Total New Deposits be?
How much in Total Excess Reserves will there when the multiplier process completes?
How much money will be created?
Bank number

New
Deposits

Required
Reserves

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40

5000.00
4500.00
4050.00
3645.00
3280.50
2952.45
2657.21
2391.48
2152.34
1937.10
1743.39
1569.05
1412.15
1270.93
1143.84
1029.46
926.51
833.86
750.47
675.43
607.88
547.09
492.39
443.15
398.83
358.95
323.05
290.75
261.67
235.51
211.96
190.76
171.68
154.52
139.06
125.16
112.64
101.38
91.24
82.12

500.00
450.00
405.00
364.50
328.05
295.25
265.72
239.15
215.23
193.71
174.34
156.91
141.21
127.09
114.38
102.95
92.65
83.39
75.05
67.54
60.79
54.71
49.24
44.31
39.88
35.89
32.31
29.07
26.17
23.55
21.20
19.08
17.17
15.45
13.91
12.52
11.26
10.14
9.12
8.21

Excess
Reserves

4500.00
4050.00
3645.00
3280.50
2952.45
2657.21
2391.48
2152.34
1937.10
1743.39
1569.05
1412.15
1270.93
1143.84
1029.46
926.51
833.86
750.47
675.43
607.88
547.09
492.39
443.15
398.83
358.95
323.05
290.75
261.67
235.51
211.96
190.76
171.68
154.52
139.06
125.16
112.64
101.38
91.24
82.12
73.90

5,000
10
0.1
122
49999.87
44999.88
94999.75

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93

73.90
66.51
59.86
53.88
48.49
43.64
39.28
35.35
31.81
28.63
25.77
23.19
20.87
18.79
16.91
15.22
13.69
12.33
11.09
9.98
8.99
8.09
7.28
6.55
5.90
5.31
4.78
4.30
3.87
3.48
3.13
2.82
2.54
2.28
2.06
1.85
1.66
1.50
1.35
1.21
1.09
0.98
0.88
0.80
0.72
0.65
0.58
0.52
0.47
0.42
0.38
0.34
0.31

7.39
6.65
5.99
5.39
4.85
4.36
3.93
3.53
3.18
2.86
2.58
2.32
2.09
1.88
1.69
1.52
1.37
1.23
1.11
1.00
0.90
0.81
0.73
0.66
0.59
0.53
0.48
0.43
0.39
0.35
0.31
0.28
0.25
0.23
0.21
0.18
0.17
0.15
0.13
0.12
0.11
0.10
0.09
0.08
0.07
0.06
0.06
0.05
0.05
0.04
0.04
0.03
0.03

66.51
59.86
53.88
48.49
43.64
39.28
35.35
31.81
28.63
25.77
23.19
20.87
18.79
16.91
15.22
13.69
12.33
11.09
9.98
8.99
8.09
7.28
6.55
5.90
5.31
4.78
4.30
3.87
3.48
3.13
2.82
2.54
2.28
2.06
1.85
1.66
1.50
1.35
1.21
1.09
0.98
0.88
0.80
0.72
0.65
0.58
0.52
0.47
0.42
0.38
0.34
0.31
0.28

94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122

0.28
0.25
0.22
0.20
0.18
0.16
0.15
0.13
0.12
0.11
0.10
0.09
0.08
0.07
0.06
0.06
0.05
0.05
0.04
0.04
0.03
0.03
0.03
0.02
0.02
0.02
0.02
0.02
0.01

0.03
0.02
0.02
0.02
0.02
0.02
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.25
0.22
0.20
0.18
0.16
0.15
0.13
0.12
0.11
0.10
0.09
0.08
0.07
0.06
0.06
0.05
0.05
0.04
0.04
0.03
0.03
0.03
0.02
0.02
0.02
0.02
0.02
0.01
0.01

Scenario 2:
Initial Deposit =
Reserve requirement =
Money Multiplier =
How many banks will it take to go through the multiplier process?
What will the Total New Deposits be?
How much in Total Excess Reserves will there when the multiplier process completes?
How much money will be created?
Bank number

New
Deposits

Required
Reserves

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28

5000.00
3000.00
1800.00
1080.00
648.00
388.80
233.28
139.97
83.98
50.39
30.23
18.14
10.88
6.53
3.92
2.35
1.41
0.85
0.51
0.30
0.18
0.11
0.07
0.04
0.02
0.01
0.01
0.01

2000.00
1200.00
720.00
432.00
259.20
155.52
93.31
55.99
33.59
20.16
12.09
7.26
4.35
2.61
1.57
0.94
0.56
0.34
0.20
0.12
0.07
0.04
0.03
0.02
0.01
0.01
0.00
0.00

Excess
Reserves

3000.00
1800.00
1080.00
648.00
388.80
233.28
139.97
83.98
50.39
30.23
18.14
10.88
6.53
3.92
2.35
1.41
0.85
0.51
0.30
0.18
0.11
0.07
0.04
0.02
0.01
0.01
0.01
0.00

5,000
40
0.4
28
12499.99
7500.00
19999.99

Consumption Expenditures
Investment Expenditures
Government Expenditures
Net Exports

10362.3
1763.8
2974.7
-499.4

GDP 2012 U.S.

1 Consumption Expenditures

-3%
2 Investment Expenditures
19%
11%

3 Government Expenditures
67%
4

Net Exports

n Expenditures

Expenditures

t Expenditures