Suppose the Federal Reserve purchases $10,000 of Treasury bonds from you and that
you deposit the $10,000 into your checking account deposit at Bank Y. Assume that
Bank Y has no excess reserves at the time you make your deposit and that the required
reserve ratio is 20 percent.
a. Use a T-account to show the initial effect of this transaction on Bank Y’s balance
sheet.
b. Suppose that Bank Y makes the maximum loan they can from the funds you
deposited. Use a T-account to show the initial effect on Bank Y’s balance sheet from
granting the loan. Also include in this T-account the transaction from question (a.).
c. Now suppose that whoever took out the loan in question (b) writes a check for this
amount and that the person receiving the check deposits it in Bank Z. Show the effect of
these transactions on the balance sheet of Bank Y and Bank Z, after the check has been
cleared. On the T-account for Bank Y, include the transactions from questions (a) and
(b).
d. What is the maximum increase in checking account deposits that can result from your
$10,000 deposit? What is the maximum increase in the money supply? Explain.