Suppose a group of investors pooled $150,000 and founded Second Republic Bank in Memphis, TN. Second Republic Bank used $$15,000 of this to purchase shares in the St. Louis Federal Reserve Bank. With the remaining $135,000, the bank manager purchased a building, furniture, and equipment for the bank. Use the preceding information to complete the following table showing Second Republic Bank's balance sheet. Now Frances Malik opens a new checking account at Second Republic Bank and makes an initial deposit of $45,000 in currency. Fill in the following table to show Second Republic Bank's balance sheet just after Frances's deposit. One way in which banks, as financial intermediaries, create value for depositors such as Frances is that they through