Then it’s clearly inflationary. $100 with 10% reserves increases the money supply by $90 for a total of $190. When the loan is repaid, the money supply will contract back to $100.
The wiki explanation you provided contradicts what you say. Your own definition of inflation amounts to an increase in the money supply and according to even the wiki article, that’s what is taking place. An increase in the money supply.
No no. The Fed does not need to create a single penny. The bank notes or newly created deposits are used in exchange as money substitutes. We call these fiduciary media and they are part of the money supply. The Fed orchestrates this inflationary credit expansion but it does not need to create money until it wishes to inject more liquidity into the system so that the banks can further pyramid on top of that.