Deposits

For further discussion on deposits, see Note 19 on page 272 of JPMorgan Chase’s 2011 Annual Report.

At September 30, 2012, and December 31, 2011, noninterest-bearing and interest-bearing deposits were as follows.



(in millions)	September 30, 2012		December 31, 2011
U.S. offices
Noninterest-bearing	$	363,388	$	346,670
Interest-bearing:
Demand^(a)	41,634		47,075
Savings^(b)	386,472		375,051
Time (included $4,686 and $3,861 at fair value)^(c)	81,301		82,738
Total interest-bearing deposits	509,407		504,864
Total deposits in U.S. offices	872,795		851,534
Non-U.S. offices
Noninterest-bearing	16,192		18,790
Interest-bearing:
Demand	196,303		188,202
Savings	933		687
Time (included $764 and $1,072 at fair value)^(c)	53,388		68,593
Total interest-bearing deposits	250,624		257,482
Total deposits in non-U.S. offices	266,816		276,272
Total deposits	$	1,139,611	$	1,127,806


(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 JPMorgan Chase’s 2011 Annual Report.