This is an example of simple thinking and posting as if you are some kind of authority when clearly you are not. This is normally the case with Riverwind as has been shown repeatedly. I don't tolerate this kind of thing and when you post something you should understand what you are talking about or else get called on it.
Lets start with the $2100.00
The bank lends out 1990.00 and that gets deposited in the bank as another asset. The banks assets then become 2100 + 1990, of which 90 % of the additional $1990 can be lent out. The net owed to the banks becomes
$2100 + $1990 + $1791 + $1611 + $1450....+ = $21,000. This is the mechanism for which banks create money and how a $ 2100.00 deposit becomes $21,000.00. Almost $19,000.00 has been created from thin air.
Of course the lent money may be deposited in another bank by (for example) a car dealership, but that all works both ways. This bank gets deposits when someone borrows from another bank to buy a swimming pool. The swimming pool dealer may put his money in this bank.
All the money that isn't in cash is held in a bank somewhere.