Deposits

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

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



(in millions)	March 31, 2012		December 31, 2011
U.S. offices
Noninterest-bearing	$	343,299	$	346,670
Interest-bearing
Demand^(a)	46,400		47,075
Savings^(b)	384,239		375,051
Time (included $4,192 and $3,861 at fair value)^(c)	90,684		82,738
Total interest-bearing deposits	521,323		504,864
Total deposits in U.S. offices	864,622		851,534
Non-U.S. offices
Noninterest-bearing	16,276		18,790
Interest-bearing
Demand	187,676		188,202
Savings	899		687
Time (included $1,076 and $1,072 at fair value)^(c)	59,039		68,593
Total interest-bearing deposits	247,614		257,482
Total deposits in non-U.S. offices	263,890		276,272
Total deposits	$	1,128,512	$	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.