Suppose a group of investors pooled $200, 000 and founded Second Republic Bank in San Antonio, TX. Second Republic Bank used $20, 000 of this to purchase shares in the Dallas Federal Reserve Bank. With the remaining $180, 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 Rina Ivanov opens a new checking account at Second Republic Bank and makes an initial deposit of $60, 000 in currency. Fill in the following table to show Second Republic Bank's balance sheet just after Rina's deposit. One way in which banks, as financial intermediaries, create value for depositors such as Rina is that they through