[Toddsterpatriot]

Lol you’re not a math genius are you.

Compared to you, it's obvious that I am.

http://en.wikipedia.org/wiki/Fractional_reserve_banking#Money_multiplier

If this simple diagram is still too difficult for you to understand, please let me know.

[driftdiver]

If the bank loans money then its deposits go down. The loan is counted as an asset as it has value due to the interest it earns.

Where money is created is much higher in the chain then your local bank.