When depositors put money into a bank, what does the bank do with this money?

The bank sends the money to a central bank in Washington, DC.
The bank uses the money to make loans to borrowers and earn interest.
The bank spends the money on new branches to get more depositors and borrowers.
The bank locks the money in a vault and leaves it there until the depositors want it back.

The bank uses the money to make loans to borrowers and earn interest.