| 1st | National | Bank | |
| assets | liabilities | ||
| reserves | $100 | deposits | $100 |
| 1st | National | Bank | |
| assets | liabilities | ||
| reserves | $10.00 | deposits | $100.00 |
| loans | 90.00 | ||
| 2nd | National | Bank | |
| assets | liabilities | ||
| reserves | $9.00 | deposits | $90.00 |
| loans | 81.00 | ||
| 3rd | National | Bank | |
| assets | liabilities | ||
| reserves | $8.10 | deposits | $81 |
| loans | 72.90 | ||