Deposits

At December 31, 2011 and 2010, noninterest-bearing and interest-bearing deposits were as follows.



December 31, (in millions)	2011		2010
U.S. offices
Noninterest-bearing	$	346,670	$	228,555
Interest-bearing
Demand^(a)	47,075		33,368
Savings^(b)	375,051		334,632
Time (included $3,861 and $2,733 at fair value)^(c)	82,738		87,237
Total interest-bearing deposits	504,864		455,237
Total deposits in U.S. offices	851,534		683,792
Non-U.S. offices
Noninterest-bearing	18,790		10,917
Interest-bearing
Demand	188,202		174,417
Savings	687		607
Time (included $1,072 and $1,636 at fair value)^(c)	68,593		60,636
Total interest-bearing deposits	257,482		235,660
Total deposits in non-U.S. offices	276,272		246,577
Total deposits	$	1,127,806	$	930,369


(a)	Includes Negotiable Order of Withdrawal (“NOW”) accounts, and certain trust accounts.


(b)	Includes Money Market Deposit Accounts (“MMDAs”).


(c)	Includes structured notes classified as deposits for which the fair value option has been elected. For further discussion, see Note 4 on pages 198–200 of this Annual Report.

At December 31, 2011 and 2010, time deposits in denominations of $100,000 or more were as follows.

At December 31, 2011, the maturities of interest-bearing time deposits were as follows.