Federal Reserve Statistical Release, H.3, Aggregate Reserves of Depository Institutions and the Monetary Base; title with eagle logo links to Statistical Release home page
Release Date: October 27, 2011
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For release at 
4:30 P.M. EDT 
October 27, 2011 
 
SPECIAL NOTICE 
 
    Data on reserves and the monetary base have been revised to reflect the result 
of annual reviews of seasonal factors and break factors. Revisions to seasonal 
factors start in January 1999, while revisions to break factors begin in January 
2010. Break factors remove discontinuities (or "breaks") associated with regulatory 
changes in reserve requirements, such as the annual indexations of the low-reserve 
tranche and the reserve requirement exemption.1 The maximum revision to total 
reserves, nonborrowed reserves, required reserves, and the monetary base in any 
maintenance period was $2.0 billion; most revisions were less than $700 million. 
 
    A more detailed description of the methods for constructing break factors and 
seasonal factors is available under "Annual review of break and seasonal factors" 
on the Federal Reserve's website (http://www.federalreserve.gov/releases/h3/hist/). 
Historical data, updated each week, are available there as well. 
 
------------------------------------------------------------------------------------ 
     1. The Monetary Control Act of 1980 established a reserve ratio of 3 percent 
against the first $25 million in net transaction deposits (low-reserve tranche) at 
each depository institution.  Since 1982, the low-reserve tranche has been indexed 
each January by 80 percent of the previous year's (June 30 to June 30) growth rate 
of net transaction deposits at all depository institutions.  For all reserve 
maintenance periods ending in 2011, the low-reserve tranche is $58.8 million, 
rising to $71.0 million for maintenance periods ending in 2012. 
     Under the Garn-St Germain Depository Institutions Act of 1982, the first $2 
million of reservable liabilities of each depository institution was exempted from 
reserve requirements.  Since 1983, this exemption amount has been indexed each year 
by 80 percent of the rate of increase of the reservable liabilities at all 
depository institutions over the preceding year (June 30 to June 30). For all 
reserve maintenance periods ending in 2011, the reserve requirement exemption is 
$10.7 million, rising to $11.5 million for maintenance periods ending in 2012.  

   
  
  
  
 FEDERAL RESERVE statistical release
  
 H.3 (502)
 Table 1                                                                                                For release at 4:30 p.m. Eastern Time
 AGGREGATE RESERVES OF DEPOSITORY INSTITUTIONS AND THE MONETARY BASE                                                   October 27, 2011
 Adjusted for changes in reserve requirements(1)                                                                                              
 Seasonally adjusted unless noted otherwise
 Millions of dollars
 -----------------------------------------------------------------------------------------------------------------------------------------------
                                             Reserves of depository institutions                             
                      ---------------------------------------------------------------------------------
                                                                                                                              Total borrowings    
      Date                      Total            Nonborrowed           Required            Excess,            Monetary            from the    
                                 (2)                 (3)                                     NSA                base          Federal Reserve,    
                                                                                             (4)                 (5)                NSA     
------------------------------------------------------------------------------------------------------------------------------------------------
 Month(6)
  2010-Sep.                   1047965              995444               67134              980831             1963094               52521
                                                                                                                                         
       Oct.                   1040098              991525               66577              973521             1962024               48573
       Nov.                   1038829              992140               66834              971995             1967156               46689
       Dec.                   1077351             1031863               70213             1007138             2008050               45488
                                                                                                                                         
  2011-Jan.                   1106539             1074293               69465             1037074             2041484               32246
       Feb.                   1262706             1240773               71410             1191296             2206251               21933
       Mar.                   1436134             1416253               73456             1362678             2389800               19882
                                                                                                                                         
       Apr.                   1526475             1508632               74354             1452121             2490858               17842
       May                    1587572             1572427               74871             1512702             2561972               15146
       June                   1666349             1653106               77541             1588808             2647108               13243
                                                                                                                                         
       July                   1696479             1684084               78292             1618187             2681832               12395
       Aug.                   1666963             1655129               83446             1583517             2658711               11834
       Sep.                   1642728             1631153               91697             1551031             2639178               11575

 Two weeks ending(7)                                                                                                                           
  2011-Aug. 24                1659783             1647951               81982             1577801             2652031               11833
                                                                                                                                         
       Sep.  7                1658435             1646750               89880             1568554             2652758               11685
            21                1640436             1628822               92130             1548306             2637181               11614
                                                                                                                                         
       Oct.  5                1634078             1622650               92438             1541640             2631723               11429
            19p               1662854             1651537               90959             1571895             2661664               11317
------------------------------------------------------------------------------------------------------------------------------------------------  
 1. Reserves and monetary base figures incorporate adjustments for discontinuities, or "breaks," associated with regulatory changes in reserve 
    requirements. (For more information, refer to table 3.)
 2. Seasonally adjusted, break-adjusted total reserves equal seasonally adjusted, break-adjusted required reserves plus unadjusted excess 
    reserves. (Also, refer to footnote 2 in table 2 and footnote 2 in table 3.)
 3. Seasonally adjusted, break-adjusted nonborrowed reserves equal seasonally adjusted, break-adjusted total reserves less unadjusted total
    borrowings from the Federal Reserve.
 4. Excess reserves NSA equals unadjusted total reserves (table 2, column 1) less unadjusted required reserves (table 2, column 3).
 5. The seasonally adjusted, break-adjusted monetary base consists of (1) seasonally adjusted, break-adjusted total reserves plus (2) the
    seasonally adjusted currency component of the money stock plus (3), for all quarterly reporters on the "Report of Transaction Accounts,
    Other Deposits and Vault Cash" and for all those weekly reporters whose vault cash exceeds their required reserves, the seasonally adjusted,
    break-adjusted difference between current vault cash and the amount applied to satisfy current reserve requirements.  (Also, refer to 
    footnote 3 in table 2 and footnote 4 in table 3.)
 6. Prorated averages of biweekly averages.
 7. Averages of daily figures.
 
 p  preliminary
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 H.3 (502)
 Table 1a                                                                                                
 AGGREGATE RESERVES OF DEPOSITORY INSTITUTIONS AND THE MONETARY BASE                                                          
 Not seasonally adjusted
 Millions of dollars
 -------------------------------------------------------------------------------------------------------------------------------
                                                              Borrowings from the Federal Reserve(1)                                     
                           -----------------------------------------------------------------------------------------------------
      Date                                                                            Credit            Term                             
                                                                                    extended to     Asset-Backed       Other     
                            Total        Primary        Secondary     Seasonal       American        Securities        credit   
                                                                                   International        Loan         extensions 
                                                                                   Group, Inc.,      Facility(3)             
                                                                                      net(2)                      
 -------------------------------------------------------------------------------------------------------------------------------
 Month(4)                                                                                                                                
  2010-Sep.                   52521            32              0             77          19791          32620                 0      
                                                                                                                                     
       Oct.                   48573            37              0             46          19478          29012                 0      
       Nov.                   46689            89              0             23          19912          26665                 0      
       Dec.                   45488            41              3             26          20394          25025                 0      
                                                                                                                                     
  2011-Jan.                   32246            51              0             10           8368          23818                 0      
       Feb.                   21933            28              0              3                         21902                 0      
       Mar.                   19882            11              0              6                         19864                 0      
                                                                                                                                     
       Apr.                   17842            14              0              8                         17820                 0      
       May                    15146            10              1             20                         15115                 0      
       June                   13243            24              0             42                         13178                 0      
                                                                                                                                     
       July                   12395             7              0             73                         12315                 0      
       Aug.                   11834             5              0             92                         11737                 0      
       Sep.                   11575            19              0             81                         11474                 0      
                                                                                                                                     
 Two weeks ending(5)                                                                                                                 
  2011-Aug. 24                11833             4              0             99                         11731                 0      
                                                                                                                                     
       Sep.  7                11685             5              0             87                         11594                 0      
            21                11614            21              0             78                         11515                 0      
                                                                                                                                     
       Oct.  5                11429            28              0             83                         11318                 0      
            19p               11317            21              1             52                         11244                 0      
--------------------------------------------------------------------------------------------------------------------------------  
 1. The Federal Reserve Bank of New York (FRBNY) has extended credit to Maiden Lane LLC, Maiden Lane II LLC, and
    Maiden Lane III LLC, as discussed in the notes to the Board's H.4.1 statistical release, "Factors Affecting Reserve Balances
    of Depository Institutions and Condition Statement of Federal Reserve Banks."  Consistent with generally accepted accounting
    principles, the assets and liabilities of these LLCs have been consolidated with the assets and liabilities of the FRBNY
    because the FRBNY is the primary beneficiary of the LLCs.  As a consequence of this consolidation, the extensions of credit
    from the FRBNY to these LLCs are eliminated from the Federal Reserve's balance sheet, and, thus, the loans are not included
    in borrowed reserves.
 2. As a result of the closing of the American International Group, Inc. (AIG) recapitalization plan on January 14, 2011, the
    credit extended to AIG was fully repaid and the Federal Reserve's commitment to lend any further funds was terminated.
    Before the closing of the AIG recapitalization plan, this borrowing category included outstanding principal and capitalized
    interest under the revolving credit facility net of unamortized deferred commitment fees and allowance for loan restructuring,
    and it excluded credit extended to consolidated LLCs as described in footnote 1 above.
 3. Includes credit extended by the Federal Reserve Bank of New York to eligible borrowers through the Term Asset-Backed Securities
    Loan Facility.
 4. Prorated averages of biweekly averages.
 5. Averages of daily figures.

 p  preliminary
1        
   
   
   
 H.3 (502)
 Table 2
 AGGREGATE RESERVES OF DEPOSITORY INSTITUTIONS AND THE MONETARY BASE
 Not adjusted for changes in reserve requirements(1) 
 Not seasonally adjusted
 Millions of dollars
 -------------------------------------------------------------------------------------------------------------------------------------------
                        Reserves of depository institutions                                         Vault cash(5)
                      --------------------------------------                             ------------------------------------
                                                                             Reserve                    Used to                      Net
      Date                Total     Nonborrowed   Required     Monetary      balances       Total       satisfy      Surplus      carryover
                           (2)                                   base       with F.R.                  required        (7)        of reserve
                                                                 (3)          Banks                    reserves                    balances
                                                                               (4)                        (6)                         (8)  
 -------------------------------------------------------------------------------------------------------------------------------------------
 Month(9)                                                                                
  2010-Sep.             1047860       995339         67028      1960414      1006743        53072        41117         11955
                                                                                                                            
       Oct.             1039673       991100         66151      1961337       998509        53648        41164         12485
       Nov.             1038637       991948         66643      1970691       997744        53389        40893         12496
       Dec.             1078000      1032511         70862      2016284      1035080        56127        42920         13207
                                                                                                                            
  2011-Jan.             1110353      1078106         73279      2047854      1066218        56093        44135         11959
       Feb.             1263700      1241767         72404      2210870      1219258        56618        44442         12176
       Mar.             1434880      1414998         72202      2394705      1391362        55365        43518         11847
                                                                                                                            
       Apr.             1527982      1510140         75861      2496500      1484154        55378        43828         11550
       May              1589826      1574680         77124      2566394      1546515        54784        43311         11473
       June             1665942      1652699         77134      2647993      1622467        55293        43475         11818
                                                                                                                            
       July             1696691      1684296         78504      2683808      1652348        56052        44343         11708
       Aug.             1666710      1654875         83193      2656922      1621212        56783        45497         11286
       Sep.             1643602      1632027         92571      2637048      1597078        56920        46523         10397

 Two weeks ending(10)                                                                                                                    
  2011-Aug. 24          1658670      1646838         80869      2648808      1613530        56406        45141         11265         2586
                                                                                                                                         
       Sep.  7          1660264      1648579         91709      2652539      1613756        56731        46508         10223         2844
            21          1638849      1627235         90542      2633282      1592879        56834        45970         10864         3297
                                                                                                                                         
       Oct.  5          1638037      1626609         96397      2630860      1590640        57202        47397          9804         3227
            19p         1658331      1647014         86436      2659392      1612335        58879        45996         12883         3511
--------------------------------------------------------------------------------------------------------------------------------------------   
 1. Reflects actual required reserves, with no adjustments to eliminate the effects of discontinuities, or "breaks," associated with 
    regulatory changes in reserve requirements.
 2. Reserve balances with Federal Reserve Banks plus vault cash used to satisfy reserve requirements.
 3. The monetary base, not break-adjusted and not seasonally adjusted, consists of (1) total reserves plus (2) required clearing balances
    and adjustments to compensate for float at Federal Reserve Banks plus (3) the currency component of the money stock plus (4), for all 
    quarterly reporters on the "Report of Transaction Accounts, Other Deposits and Vault Cash" and for all those weekly reporters whose 
    vault cash exceeds their required reserves, the difference between current vault cash and the amount applied to satisfy current reserve 
    requirements. Currency and vault cash figures are measured over computation periods ending on Mondays.
 4. Excludes required clearing balances and adjustments to compensate for float and includes other off-balance-sheet "as-of" adjustments.
 5. Vault cash eligible to satisfy reserve requirements. It includes only vault cash held by those banks and thrifts that are not exempt
    from reserve requirements. Dates refer to the maintenance periods in which the vault cash can be used to satisfy reserve requirements.
 6. All vault cash held during the lagged computation period by "bound" institutions (i.e., those whose required reserves exceed their vault 
    cash) plus the amount of vault cash applied during the maintenance period by "nonbound" institutions (i.e., those whose vault cash 
    exceeds their required reserves) to satisfy current reserve requirements.
 7. Total vault cash eligible to satisfy reserve requirements, held by depository institutions not exempt from reserve requirements, minus the
    amount used to satisfy reserve requirements.
 8. Consists of carryover only at depository institutions maintaining reserves on the basis of two-week maintenance periods. Reflects excess (+) 
    or deficit (-) reserves eligible to be carried forward into the two-week reserve maintenance period ending on the date shown.
 9. Prorated averages of biweekly averages.
10. Averages of daily figures.

 p  preliminary
1
  
  
  
 H.3 (502)
 Table 3
 AGGREGATE RESERVES OF DEPOSITORY INSTITUTIONS AND THE MONETARY BASE
 Adjusted for changes in reserve requirements(1)
 Not seasonally adjusted
 Millions of dollars
 ----------------------------------------------------------------------------------------------------------
                                       Reserves of depository institutions
                         ----------------------------------------------------------------
      Date                           Total             Nonborrowed            Required            Monetary
                                      (2)                                        (3)                base
                                                                                                    (4) 
 ----------------------------------------------------------------------------------------------------------
 Month(5)
  2010-Sep.                        1047558               995037                66727              1957773
                                                                                                         
       Oct.                        1039350               990777                65829              1958708
       Nov.                        1038275               991586                66281              1968068
       Dec.                        1077624              1032136                70486              2013663
                                                                                                         
  2011-Jan.                        1110273              1078027                73199              2045422
       Feb.                        1263570              1241637                72274              2208453
       Mar.                        1434653              1414771                71975              2392149
                                                                                                         
       Apr.                        1527598              1509756                75477              2493691
       May                         1589294              1574148                76592              2563469
       June                        1665317              1652074                76509              2645019
                                                                                                         
       July                        1695931              1683536                77744              2680753
       Aug.                        1665787              1653953                82270              2653789
       Sep.                        1642554              1630979                91523              2633811

 Two weeks ending(6)                                                       
  2011-Aug. 24                     1657753              1645921                79952              2645680
                                                                                                         
       Sep.  7                     1659258              1647573                90704              2649356
            21                     1637829              1626215                89523              2630064
                                                                                                         
       Oct.  5                     1636911              1625483                95271              2627550
            19p                    1657245              1645928                85350              2656132
 ----------------------------------------------------------------------------------------------------------
 Note: Current and historical H.3 data are available each week on the Federal Reserve Board's website
       (http://www.federalreserve.gov/). Monthly data are available back to January 1959, and weekly data 
       are available back to January 1975 for most series. For information about individual copies or
       subscriptions, contact Publications Services at the Federal Reserve Board (phone 202-452-3245, 
       fax 202-728-5886).

 1. Figures reflect adjustments for discontinuities, or "breaks," associated with regulatory changes in
    reserve requirements.
 2. Break-adjusted total reserves equal break-adjusted required reserves (table 3, column 3) plus excess
    reserves NSA (table 1, column 4).
 3. To adjust required reserves for discontinuities due to regulatory changes in reserve requirements, a
    multiplicative procedure is used to estimate what required reserves would have been in past periods
    had current reserve requirements been in effect. Break-adjusted required reserves are equal to 
    break-adjusted required reserves against transactions deposits.
 4. The break-adjusted monetary base equals (1) break-adjusted total reserves plus (2) the (unadjusted)
    currency component of the money stock plus (3), for all quarterly reporters on the "Report of 
    Transaction Accounts, Other Deposits and Vault Cash" and for all those weekly reporters whose vault
    cash exceeds their required reserves, the break-adjusted difference between current vault cash and 
    the amount applied to satisfy current reserve requirements.
 5. Prorated averages of biweekly averages.
 6. Averages of daily figures.

 p  preliminary     


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