The money creation process Suppose Southeast Mutual Bank, Walls Fergo Bank, and PJMorton Bank all have zero excess reserves. The required reserve ratio is presently set at 5 % . ?Yakov, a Southeast Mutual Bank customer, deposits $ 200 , 000 ?into his checking account at the local branch. Complete the following table to reflect any changes in Southeast Mutual Bank's T - account ( before the bank makes any new loans