DEPOSITS

For further discussion of deposits, see Note 19 on pages 263–264 in JPMorgan Chase’s 2010 Annual Report.

At June 30, 2011, and December 31, 2010, noninterest-bearing and interest-bearing deposits were as follows.



(in millions)	June 30, 2011		December 31, 2010
U.S. offices
Noninterest-bearing	$	287,654	$	228,555
Interest-bearing
Demand^(a)	34,889		33,368
Savings^(b)	350,216		334,632
Time (included $3,555 and $2,733 at fair value)^(c)	84,513		87,237
Total interest-bearing deposits	469,618		455,237
Total deposits in U.S. offices	757,272		683,792
Non-U.S. offices
Noninterest-bearing	13,422		10,917
Interest-bearing
Demand	204,351		174,417
Savings	721		607
Time (included $1,233 and $1,636 at fair value)^(c)	72,919		60,636
Total interest-bearing deposits	277,991		235,660
Total deposits in non-U.S. offices	291,413		246,577
Total deposits	$	1,048,685	$	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 187–189 of JPMorgan Chase’s 2010 Annual Report.