Daylight Overdrafts of Depository Institutions and Related Fees

(in millions of dollars)

1

Reserve
Maintenance
Period
Ending:

4/27/94
5/11/94
5/25/94
6/8/94
6/22/94
7/6/94
7/20/94
8/3/94
8/17/94
8/31/94
9/14/94
9/28/94
10/12/94
10/26/94
11/9/94
11/23/94
12/7/94
12/21/94
1/4/95
1/18/95
2/1/95
2/15/95
3/1/95
3/15/95
3/29/95
4/12/95
4/26/95
5/10/95
5/24/95
6/7/95
6/21/95
7/5/95
7/19/95
8/2/95
8/16/95
8/30/95
9/13/95
9/27/95
10/11/95
10/25/95
11/8/95
11/22/95
12/6/95
12/20/95

10/23/2007

Aggregate
Fees
(dollars)

699,681
799,911
871,823
759,520
745,570
718,203
762,412
764,542
750,314
767,339
652,983
655,227
661,073
696,804
680,195
660,652
645,067
715,900
553,912
630,555
716,532
726,262
685,962
746,700
640,989
760,791
855,770
981,653
1,060,085
1,090,718
1,079,596
1,029,200
1,074,798
1,089,331
1,017,343
985,850
1,010,447
1,096,920
1,090,043
1,055,544
1,016,413
1,096,260
1,137,280
1,276,762

Intraday Peak Overdrafts
(million $)

2

Average Overdrafts
(million $)

3

Total

Funds

Book-entry

Total

Funds

Book-entry

64,234
71,069
78,689
75,772
72,397
72,143
69,086
68,477
72,889
73,181
72,359
65,659
66,703
66,946
68,574
71,137
65,546
66,675
61,999
60,822
59,699
59,281
64,789
67,457
62,882
69,180
54,986
62,328
67,885
74,623
72,674
69,979
68,698
68,903
70,194
66,648
72,925
71,770
72,932
66,718
66,950
71,287
77,893
78,013

39,261
39,740
42,296
38,692
42,034
42,139
45,032
44,170
41,612
40,332
38,382
42,553
45,176
42,034
41,751
45,914
40,025
43,796
47,815
49,145
51,047
47,861
45,654
43,958
41,285
45,217
43,605
42,003
45,195
47,001
44,715
47,521
50,652
48,804
44,945
46,735
45,410
48,131
49,572
46,792
45,618
43,967
47,439
49,216

53,617
65,495
70,506
71,971
66,560
66,169
64,467
63,636
67,402
69,780
69,433
60,106
60,871
63,379
66,333
67,297
60,987
61,933
53,479
54,586
52,110
55,102
57,889
62,952
59,166
64,337
49,116
58,704
64,132
69,265
68,537
65,513
64,270
65,260
66,087
62,724
67,452
66,312
66,671
59,736
59,081
64,191
68,313
68,944

38,923
44,009
46,397
45,343
42,299
43,903
43,160
43,144
42,443
43,273
41,419
39,381
42,796
41,106
40,448
43,247
42,006
42,408
41,539
42,001
42,430
42,173
44,079
42,896
38,888
44,178
36,635
40,222
42,619
46,875
43,087
44,797
44,052
44,171
41,899
41,328
44,799
44,669
46,948
43,816
42,544
44,610
48,724
49,075

19,100
18,983
19,677
18,632
20,339
19,808
20,577
19,517
18,656
18,730
17,380
19,985
20,328
19,607
18,957
21,067
18,964
20,438
21,744
22,893
23,732
23,099
22,229
21,260
19,990
22,043
20,627
20,343
22,170
22,714
21,444
22,265
23,816
23,283
21,759
22,198
21,785
22,986
24,289
22,647
22,177
22,660
22,993
24,784

19,822
25,026
26,719
26,711
21,960
24,095
22,583
23,627
23,788
24,543
24,039
19,397
22,468
21,499
21,491
22,179
23,042
21,970
19,794
19,108
18,698
19,075
21,849
21,635
18,898
22,136
16,008
19,879
20,449
24,162
21,643
22,532
20,235
20,888
20,140
19,131
23,014
21,683
22,658
21,169
20,367
21,950
25,732
24,291

Reserve
Maintenance
Period
Ending:

1/3/96
1/17/96
1/31/96
2/14/96
2/28/96
3/13/96
3/27/96
4/10/96
4/24/96
5/8/96
5/22/96
6/5/96
6/19/96
7/3/96
7/17/96
7/31/96
8/14/96
8/28/96
9/11/96
9/25/96
10/9/96
10/23/96
11/6/96
11/20/96
12/4/96
12/18/96
1/1/97
1/15/97
1/29/97
2/12/97
2/26/97
3/12/97
3/26/97
4/9/97
4/23/97
5/7/97
5/21/97
6/4/97
6/18/97
7/2/97
7/16/97
7/30/97
8/13/97
8/27/97
9/10/97
9/24/97

10/23/2007

Aggregate
Fees
(dollars)

925,686
1,111,290
1,268,347
1,102,168
1,193,651
1,313,650
1,147,785
1,175,072
1,154,162
1,069,337
1,001,636
1,035,685
1,041,401
1,115,497
956,733
1,038,354
1,081,207
1,046,820
1,020,329
923,219
1,145,672
917,076
1,072,705
1,048,428
1,126,741
1,142,388
788,095
1,105,379
1,039,098
1,132,590
1,082,960
1,184,133
1,119,461
1,131,710
877,838
997,072
1,023,161
999,464
1,077,778
1,078,945
875,991
1,044,437
1,119,996
1,062,479
990,147
1,093,776

Intraday Peak Overdrafts
(million $)

2

Average Overdrafts 3
(million $)

Total

Funds

Book-entry

Total

Funds

Book-entry

68,744
73,570
74,481
66,984
77,946
78,075
70,779
71,269
67,936
61,982
61,924
68,523
64,059
64,222
63,673
63,035
65,464
66,613
63,783
58,523
66,540
63,123
67,348
71,402
68,926
68,815
63,139
63,660
67,730
67,615
72,460
69,059
66,138
66,920
58,033
63,366
65,562
68,465
66,822
67,905
61,736
69,210
70,295
69,784
68,838
69,095

46,963
49,044
51,507
48,631
52,162
49,289
49,026
48,942
48,563
49,630
48,881
47,599
44,753
52,362
48,478
48,013
46,944
49,215
49,288
49,770
49,244
48,961
46,397
52,581
53,014
49,407
52,705
55,294
54,847
51,114
52,914
51,182
54,316
51,920
50,955
54,394
58,560
56,508
55,883
60,558
54,009
51,649
52,213
54,108
54,679
54,431

61,831
62,586
63,870
61,186
66,875
67,035
58,135
54,784
58,262
51,898
53,795
60,879
54,697
53,891
52,788
50,287
54,448
55,955
52,144
44,036
52,250
50,893
57,279
59,304
52,217
53,151
47,592
46,839
51,520
56,849
59,335
56,190
50,203
51,519
42,609
45,668
45,006
49,838
47,133
46,378
44,847
57,276
59,083
57,631
54,926
53,140

45,077
48,779
49,376
45,145
50,983
50,447
46,453
46,638
45,728
43,983
42,803
46,085
43,229
45,852
45,074
43,830
43,888
43,963
46,252
41,345
46,205
43,649
44,514
47,783
49,802
47,175
43,119
46,548
49,007
47,348
49,966
48,881
47,692
47,085
41,581
44,804
46,335
49,018
47,422
48,499
45,176
46,654
47,773
47,734
48,201
48,332

22,768
25,124
26,014
23,680
27,331
25,414
24,737
25,552
24,767
24,720
24,550
24,438
23,788
26,611
26,003
26,043
25,120
26,408
26,519
27,014
26,492
26,955
24,690
28,119
28,938
27,696
27,457
29,615
30,307
27,758
29,564
28,649
30,660
27,855
27,769
28,680
30,892
30,406
30,570
32,405
29,885
27,884
27,742
30,047
29,365
29,976

22,310
23,655
23,362
21,465
23,651
25,033
21,716
21,086
20,961
19,264
18,254
21,646
19,440
19,240
19,071
17,787
18,768
17,555
19,733
14,331
19,713
16,694
19,823
19,664
20,864
19,479
15,662
16,933
18,700
19,590
20,401
20,232
17,032
19,230
13,812
16,124
15,443
18,612
16,852
16,094
15,291
18,770
20,031
17,687
18,836
18,356

Reserve
Maintenance
Period
Ending:

10/8/97
10/22/97
11/5/97
11/19/97
12/3/97
12/17/97
12/31/97
1/14/98
1/28/98
2/11/98
2/25/98
3/11/98
3/25/98
4/8/98
4/22/98
5/6/98
5/20/98
6/3/98
6/17/98
7/1/98
7/15/98
7/29/98
8/12/98
8/26/98
9/9/98
9/23/98
10/7/98
10/21/98
11/2/98
11/18/98
12/2/98
12/16/98
12/30/98
1/13/99
1/27/99
2/10/99
2/24/99
3/10/99
3/24/99
4/7/99
4/21/99
5/5/99
5/19/99
6/2/99
6/16/99
6/30/99

10/23/2007

Aggregate
Fees
(dollars)

1,228,972
1,049,524
1,324,069
1,120,279
1,117,266
1,103,466
1,043,908
1,031,092
1,161,118
1,258,498
1,089,869
1,411,061
1,388,789
1,432,893
1,291,466
1,346,418
1,227,393
1,125,318
1,307,095
1,436,511
1,227,039
1,225,269
1,189,476
1,230,777
1,327,237
1,373,082
1,424,822
1,220,461
1,266,691
1,238,298
1,171,471
1,269,401
1,087,808
1,096,804
1,024,602
1,158,630
1,022,196
1,203,431
1,112,140
1,140,098
1,088,500
1,048,129
1,060,314
932,212
982,424
973,302

Intraday Peak Overdrafts
(million $)

2

Average Overdrafts 3
(million $)

Total

Funds

Book-entry

Total

Funds

Book-entry

71,794
74,554
80,224
76,180
76,397
70,524
74,097
73,256
76,461
73,518
75,484
80,439
79,663
81,254
77,486
79,345
73,564
72,059
76,209
80,455
70,659
73,329
72,185
74,269
86,179
79,275
81,587
81,338
75,010
78,771
75,606
76,682
74,068
77,125
73,457
72,574
74,641
76,728
75,701
73,230
70,115
68,923
72,625
74,289
72,860
76,598

59,080
57,027
56,186
59,651
58,120
56,052
57,796
59,542
64,301
59,726
63,310
61,385
62,504
61,298
53,462
62,438
60,337
63,278
62,938
67,615
60,261
60,664
59,686
63,361
59,732
63,369
62,973
68,271
64,586
67,877
66,635
63,612
63,263
67,896
67,563
66,603
68,767
63,583
63,295
61,580
58,077
61,230
61,232
67,424
66,440
72,924

56,569
56,836
62,364
56,452
60,130
54,588
55,736
55,303
55,060
57,264
58,682
62,795
62,632
65,486
61,016
59,763
56,083
53,970
57,847
55,412
52,248
59,190
50,669
54,624
67,402
59,669
56,553
56,032
49,001
52,274
52,564
54,537
48,374
45,731
45,634
47,948
46,821
49,628
53,701
45,513
52,445
49,770
51,067
49,666
39,288
34,674

51,371
50,758
53,351
52,504
53,230
32,235
28,346
28,441
30,363
29,071
29,314
31,293
31,304
31,702
29,043
30,973
29,250
30,155
30,760
32,804
28,927
29,210
28,784
30,022
32,400
31,667
32,059
31,986
30,181
31,943
31,339
30,420
28,996
29,668
28,997
29,194
29,410
30,443
29,043
28,353
28,154
27,646
28,288
28,845
28,047
28,173

31,048
31,379
29,987
32,401
31,659
19,907
17,898
17,453
19,611
17,870
18,704
18,007
19,598
18,535
17,112
19,477
19,215
19,078
19,494
21,086
18,303
18,717
18,213
19,072
18,325
20,102
19,906
21,295
20,482
21,847
20,726
20,128
19,936
20,564
20,845
20,057
20,992
19,596
19,089
19,020
18,584
18,786
18,745
19,653
19,707
21,887

20,323
19,379
23,364
20,103
21,571
12,328
10,447
10,989
10,752
11,202
10,610
13,286
11,706
13,167
11,931
11,496
10,036
11,076
11,266
11,719
10,624
10,493
10,571
10,950
14,075
11,565
12,154
10,691
9,699
10,096
10,613
10,293
9,060
9,104
8,152
9,137
8,417
10,847
9,954
9,333
9,570
8,860
9,543
9,191
8,340
6,286

Reserve
Maintenance
Period
Ending:

7/14/99
7/28/99
8/11/99
8/25/99
9/8/99
9/22/99
10/6/99
10/20/99
11/3/99
11/17/99
12/1/99
12/15/99
12/29/99
1/12/00
1/26/00
2/9/00
2/23/00
3/8/00
3/22/00
4/5/00
4/19/00
5/3/00
5/17/00
5/31/00
6/14/00
6/28/00
7/12/00
7/26/00
8/9/00
8/23/00
9/6/00
9/20/00
10/4/00
10/18/00
11/1/00
11/15/00
11/29/00
12/13/00
12/27/00
1/10/01
1/24/01
2/7/01
2/21/01
3/7/01
3/21/01

10/23/2007

Aggregate
Fees
(dollars)

1,023,028
936,829
889,240
943,155
858,573
953,414
1,084,615
1,012,915
955,668
980,039
933,974
932,991
817,772
824,373
829,986
1,031,693
1,007,314
1,067,703
1,016,304
1,114,310
1,025,014
928,328
926,000
846,627
1,010,374
1,092,975
999,965
1,053,970
925,780
863,437
864,933
1,001,009
957,437
950,418
978,591
945,515
826,076
1,124,366
943,015
1,048,750
1,221,561
1,196,465
1,113,416
1,239,550
1,221,668

Intraday Peak Overdrafts
(million $)

2

Average Overdrafts 3
(million $)

Total

Funds

Book-entry

Total

Funds

Book-entry

76,228
69,086
66,945
75,970
69,660
72,477
77,158
75,489
73,583
82,587
81,774
70,790
66,573
67,619
80,429
78,526
82,086
81,928
86,247
87,329
78,547
84,462
87,093
91,279
94,280
97,772
90,351
86,710
79,830
80,745
82,921
89,194
91,136
94,804
92,521
84,491
91,509
93,789
96,153
95,965
106,172
98,866
98,304
99,421
99,127

65,935
63,681
59,101
68,891
63,461
65,650
69,071
67,757
68,718
76,744
74,018
62,366
60,751
61,172
76,680
72,916
75,867
76,071
81,154
80,863
74,465
78,480
82,174
87,262
87,518
94,286
83,844
83,436
74,152
76,398
76,775
84,797
86,064
88,047
85,145
78,867
85,906
85,045
91,034
88,631
98,476
93,104
92,302
89,915
92,901

46,773
43,004
40,045
42,279
47,952
44,707
42,849
44,849
31,177
33,038
30,340
33,735
24,159
25,579
32,861
35,152
41,105
39,337
33,250
33,967
36,445
27,484
28,886
29,899
31,047
28,633
29,271
34,569
29,927
30,109
28,570
26,846
22,295
24,207
28,186
23,862
26,453
29,047
22,124
24,901
25,968
24,950
26,350
25,892
28,984

29,940
26,936
26,311
28,451
27,441
28,210
29,545
30,124
27,859
30,111
29,864
27,242
24,834
25,309
28,625
29,539
31,110
30,522
30,383
31,358
29,402
27,824
28,782
29,648
29,975
31,179
31,169
30,342
28,471
27,899
29,115
30,336
29,111
31,021
29,625
28,578
29,110
31,240
31,133
31,953
35,321
33,042
34,611
33,972
34,575

19,743
19,187
18,198
20,498
18,489
19,752
21,209
21,116
20,848
22,855
22,798
19,694
19,390
19,478
22,355
22,198
22,348
22,718
23,786
23,923
22,264
22,440
22,894
24,566
23,100
26,110
24,661
24,683
22,498
22,812
22,969
25,087
24,354
25,620
24,563
23,671
25,161
24,802
26,764
25,859
28,736
27,337
28,944
27,303
28,453

10,197
7,748
8,113
7,953
8,951
8,458
8,335
9,008
7,010
7,256
7,066
7,549
5,444
5,830
6,270
7,341
8,761
7,804
6,597
7,435
7,138
5,383
5,888
5,081
6,875
5,068
6,508
5,660
5,974
5,087
6,146
5,249
4,758
5,401
5,062
4,907
3,949
6,438
4,369
6,095
6,585
5,705
5,667
6,669
6,123

Reserve
Maintenance
Period
Ending:

10/23/2007

Aggregate
Fees
(dollars)

Intraday Peak Overdrafts
(million $)

2

Average Overdrafts 3
(million $)

Total

Funds

Book-entry

Total

Funds

Book-entry
8,720
4,864
5,088
5,367
6,142
7,552
6,052
8,340
7,509
7,251
7,733
6,169

4/4/01
4/18/01
5/2/01
5/16/01
5/30/01
6/13/01
6/27/01
7/11/01
7/25/01
8/8/01
8/22/01
9/5/01

1,338,271
951,604
1,072,799
991,318
902,468
1,082,523
1,124,044
1,161,095
1,145,421
1,064,507
1,124,165
927,524

105,627
90,871
101,303
101,387
100,053
96,245
98,429
104,589
95,369
91,443
92,359
95,235

94,530
85,391
94,676
96,369
92,653
88,043
93,121
95,474
89,285
84,131
84,869
89,282

36,007
23,477
23,502
26,814
27,294
31,804
29,645
35,703
35,311
30,800
33,163
27,373

36,222
30,590
32,742
32,288
32,021
32,785
34,194
36,191
33,931
32,483
33,169
32,099

27,501
25,726
27,654
26,922
25,879
25,233
28,142
27,851
26,422
25,232
25,436
25,930

9/19/01

373,082

4

116,881

102,323

29,442

40,246

32,424

7,822

10/3/01
10/17/01
10/31/01
11/14/01
11/28/01
12/12/01
12/26/01
1/9/02
1/23/02
2/6/02
2/20/02
3/6/02
3/20/02
4/3/02
4/17/02
5/1/02
5/15/02
5/29/02
6/12/02
6/26/02
7/10/02
7/24/02
8/7/02
8/21/02
9/4/02
9/18/02
10/2/02
10/16/02
10/30/02
11/13/02
11/27/02
12/11/02
12/25/02

1,229,4544
1,051,590
998,008
1,181,034
975,592
1,216,434
957,782
792,729
908,119
1,090,452
917,161
981,946
860,271
858,990
846,711
832,921
863,945
813,051
936,867
952,847
976,109
975,579
936,522
1,145,791
822,241
839,145
1,087,634
1,071,575
1,160,188
1,399,391
1,317,495
1,105,406
916,734

115,119
98,335
92,003
101,011
97,937
98,269
92,858
87,882
87,120
90,041
88,183
88,771
87,985
86,981
78,191
83,284
79,401
83,097
85,353
85,193
88,428
86,316
81,866
97,227
87,148
83,035
92,943
92,127
91,563
103,537
100,482
97,167
90,265

105,912
90,285
83,978
90,013
88,619
87,463
86,923
81,058
78,963
78,428
80,943
76,983
80,298
77,633
69,544
75,931
71,970
76,743
76,187
76,950
80,037
76,128
73,836
80,491
78,084
75,811
86,687
85,548
82,335
90,495
91,266
84,833
84,204

41,102
36,212
25,652
34,567
30,204
30,668
27,842
23,634
29,456
28,746
28,179
27,831
25,362
29,741
34,904
31,334
29,796
32,727
27,666
35,273
34,313
34,766
35,444
47,229
36,207
30,061
32,871
33,928
35,893
45,980
39,052
33,833
26,314

40,931
33,039
30,712
34,827
32,487
34,122
32,599
29,618
30,934
31,745
31,655
31,432
30,671
30,077
29,678
30,084
29,835
31,593
31,888
32,425
34,024
32,835
32,361
35,538
32,545
32,339
36,171
37,395
36,129
42,158
38,826
38,106
35,216

30,866
25,630
24,994
26,122
25,480
25,846
27,282
24,737
24,655
24,157
25,353
24,570
25,255
23,348
22,306
23,639
23,390
24,825
25,217
24,843
26,138
24,458
24,452
25,043
24,569
26,030
28,386
29,927
27,659
30,543
30,919
29,536
29,627

10,066
7,409
5,717
8,705
7,008
8,276
5,317
4,881
6,278
7,588
6,302
6,862
5,416
6,729
7,371
6,445
6,445
6,768
6,671
7,582
7,886
8,377
7,909
10,495
7,976
6,309
7,785
7,469
8,470
11,615
7,907
8,570
5,588

Reserve
Maintenance
Period
Ending:

1/8/03
1/22/03
2/5/03
2/19/03
3/5/03
3/19/03
4/2/03
4/16/03
4/30/03
5/14/03
5/28/03
6/11/03
6/25/03
7/9/03
7/23/03
8/6/03
8/20/03
9/3/03
9/17/03
10/1/03
10/15/03
10/29/03
11/12/03
11/26/03
12/10/03
12/24/03
1/7/04
1/21/04
2/4/04
2/18/04
3/3/04
3/17/04
3/31/04
4/14/04
4/28/04
5/12/04
5/26/04
6/9/04
6/23/04
7/7/04
7/21/04
8/4/04
8/18/04
9/1/04
9/15/04
9/29/04
10/13/04

10/23/2007

Aggregate
Fees
(dollars)

945,908
1,126,590
1,098,150
1,110,809
1,377,726
1,355,638
1,289,076
1,163,630
1,083,849
1,462,442
1,219,458
1,408,986
1,457,409
1,557,758
1,169,114
1,351,645
1,454,808
1,003,905
1,301,164
1,207,575
1,129,674
1,293,581
1,145,436
1,219,186
1,091,765
1,183,820
898,233
1,271,501
1,353,003
1,391,870
1,362,283
1,322,512
1,260,123
1,133,455
1,167,529
1,441,358
1,099,559
1,145,516
1,070,909
1,323,491
1,253,245
1,036,270
1,246,933
997,036
1,024,151
1,336,135
1,306,196

Intraday Peak Overdrafts
(million $)

2

Average Overdrafts 3
(million $)

Total

Funds

Book-entry

Total

Funds

Book-entry

95,338
97,490
90,865
97,950
103,196
103,179
98,552
92,821
95,499
104,234
103,455
99,189
109,548
121,048
96,971
103,226
111,122
100,672
104,081
106,007
97,682
99,491
97,431
100,763
99,832
94,726
99,913
101,576
99,199
101,340
100,051
90,306
100,672
89,469
98,049
104,963
93,929
102,194
99,309
114,894
99,629
96,690
107,062
95,728
101,475
112,590
107,667

86,955
90,080
80,430
86,007
92,746
94,925
88,272
81,565
86,831
89,944
90,301
88,879
98,675
106,015
86,489
92,729
102,947
92,880
94,072
97,940
90,285
90,356
87,198
94,581
87,317
86,881
89,823
86,758
89,815
85,159
85,383
82,153
92,740
80,840
87,382
97,422
88,823
85,884
88,365
108,288
93,163
87,690
97,199
89,618
93,187
105,247
98,963

30,340
29,140
39,356
39,746
44,338
38,718
44,633
36,637
29,588
33,161
41,446
46,683
40,797
42,310
39,475
43,733
46,962
41,696
36,839
31,374
40,272
39,019
35,180
34,918
36,728
40,412
29,035
50,321
43,335
48,138
45,715
45,339
42,758
40,425
41,463
43,718
38,120
48,594
38,061
45,516
53,101
45,444
43,463
45,427
54,041
57,544
63,934

35,669
37,086
35,495
38,037
40,228
40,362
39,040
36,940
35,652
41,325
40,164
40,716
41,903
45,829
36,738
40,392
42,992
36,978
40,695
39,223
39,794
39,048
38,738
38,963
37,902
37,879
37,621
41,667
39,988
42,375
39,950
39,176
39,190
35,944
32,388
35,555
33,122
34,206
32,134
37,547
34,223
30,594
33,931
30,819
33,090
36,284
37,275

28,968
30,775
27,157
28,856
29,752
31,516
29,472
28,659
28,983
32,906
30,976
29,997
32,551
34,534
28,052
30,032
33,379
28,758
32,614
32,117
31,088
29,622
30,668
31,360
28,680
30,056
30,796
31,221
30,614
30,910
28,473
29,458
29,934
26,926
25,119
27,532
26,263
24,068
25,020
29,447
25,351
22,768
26,676
23,250
24,369
26,766
26,514

6,701
6,311
8,338
9,181
10,476
8,847
9,568
8,281
6,669
8,419
9,188
10,718
9,352
11,296
8,686
10,360
9,613
8,220
8,081
7,107
8,705
9,426
8,069
7,603
9,221
7,823
6,824
10,446
9,374
11,465
11,477
9,719
9,256
9,018
7,269
8,024
6,859
10,137
7,114
8,099
8,872
7,826
7,255
7,569
8,720
9,518
10,760

Reserve
Maintenance
Period
Ending:

10/27/04
11/10/04
11/24/04
12/8/04
12/22/04
1/5/05
1/19/05
2/2/05
2/16/05
3/2/05
3/16/05
3/30/05
4/13/05
4/27/05
5/11/05
5/25/05
6/8/05
6/22/05
7/6/05
7/20/05
8/3/05
8/17/05
8/31/05
9/14/05
9/28/05
10/12/05
10/26/05
11/9/05
11/23/05
12/7/05
12/21/05
1/4/06
1/18/06
2/1/06
2/15/06
3/1/06
3/15/06
3/29/06
4/12/06
4/26/06
5/10/06
5/24/06
6/7/06
6/21/06
7/5/06
7/19/06
8/2/06
8/16/06
8/30/06

10/23/2007

Aggregate
Fees
(dollars)

1,438,955
1,460,346
1,509,333
1,396,485
1,681,529
1,216,991
1,447,799
1,625,214
1,736,304
1,658,455
1,659,791
1,519,720
1,640,737
1,354,915
1,576,542
1,429,203
1,280,590
1,742,989
1,709,597
1,499,417
1,625,616
1,871,783
1,706,536
1,813,975
1,907,266
1,615,052
1,771,684
1,620,132
1,497,039
1,528,624
1,876,203
1,397,148
1,548,219
1,815,950
1,825,447
1,556,852
1,761,521
1,760,205
1,747,521
1,753,303
1,937,070
1,963,636
1,676,447
2,047,858
2,184,233
1,926,362
2,586,252
2,645,535
2,492,641

Intraday Peak Overdrafts
(million $)

2

Average Overdrafts 3
(million $)

Total

Funds

Book-entry

Total

Funds

Book-entry

104,635
107,674
122,242
112,332
117,241
107,738
118,421
112,017
114,738
120,244
110,497
114,716
113,279
108,623
118,339
114,134
107,669
122,106
135,218
113,118
117,742
123,157
120,900
122,267
135,560
128,868
130,380
124,930
126,907
123,167
127,787
132,149
124,364
125,759
111,821
142,243
125,934
121,199
122,329
124,944
131,761
136,729
132,392
130,538
144,278
133,844
159,532
152,157
152,738

89,325
99,596
108,607
104,884
108,138
99,678
101,048
102,794
98,040
107,971
97,088
104,194
96,221
94,896
109,973
99,663
93,346
99,686
127,757
102,955
109,404
111,931
105,685
107,677
130,192
119,193
122,662
116,023
114,304
114,378
116,477
123,274
115,844
113,160
99,591
130,057
100,530
108,440
107,830
113,274
118,239
111,169
115,858
114,945
133,635
107,653
116,636
117,883
122,448

65,023
61,919
63,816
60,010
65,175
50,679
74,860
68,888
72,888
72,604
74,001
63,462
69,882
62,079
51,260
48,316
57,176
61,350
58,486
54,619
58,693
61,002
64,200
69,153
47,358
60,151
51,813
47,248
53,740
47,230
46,139
41,003
55,667
52,751
56,756
59,858
67,541
52,988
59,149
45,096
61,924
64,692
59,545
59,107
53,804
67,343
89,288
86,423
85,246

36,673
37,563
41,052
38,425
40,856
34,247
39,763
39,054
40,925
42,298
39,954
39,000
40,377
37,803
40,251
38,154
37,741
42,359
45,067
39,718
41,017
42,801
42,052
44,713
44,594
42,892
43,160
41,601
43,212
43,080
45,085
43,693
43,862
44,007
42,533
46,115
43,169
44,435
44,229
45,077
48,203
48,821
48,058
49,220
54,364
48,407
56,619
56,385
55,831

25,517
26,730
29,104
28,438
30,188
26,155
27,322
27,796
27,622
29,500
26,816
27,492
27,186
27,677
30,865
28,943
26,964
30,344
34,965
30,525
30,933
31,323
30,446
31,397
36,269
32,444
34,435
33,101
33,429
33,920
36,292
35,795
33,326
33,948
32,200
34,408
31,515
34,418
33,247
36,789
37,117
36,441
36,671
38,669
44,291
36,033
40,716
40,691
41,347

11,156
10,833
11,948
9,987
10,668
8,091
12,441
11,258
13,304
12,798
13,138
11,508
13,191
10,126
9,385
9,210
10,777
12,015
10,102
9,194
10,083
11,479
11,606
13,316
8,325
10,448
8,724
8,501
9,783
9,161
8,793
7,898
10,536
10,059
10,333
11,708
11,654
10,017
10,981
8,289
11,087
12,380
11,387
10,552
10,074
12,374
15,903
15,694
14,484

Reserve
Maintenance
Period
Ending:

Aggregate
Fees
(dollars)

9/13/06
9/27/06
10/11/06
10/25/06
11/8/06
11/22/06
12/6/06
12/20/06
1/3/07
1/17/07
1/31/07
2/14/07
2/28/07
3/14/07
3/28/07
4/11/07
4/25/07
5/9/07
5/23/07
6/6/07
6/20/07
7/4/07
7/18/07
8/1/07
8/15/07
8/29/07
9/12/07
9/26/07

2,396,784
2,636,902
2,471,468
2,498,472
2,547,600
2,389,038
2,316,636
2,636,707
1,899,242
2,075,377
2,505,838
2,439,565
2,397,128
2,620,850
2,354,910
2,221,197
2,337,434
2,231,610
2,364,103
2,330,680
2,262,597
2,418,859
2,390,022
2,382,920
2,706,985
2,701,495
2,804,329
2,548,682

Intraday Peak Overdrafts
(million $)

2

Average Overdrafts 3
(million $)

Total

Funds

Book-entry

Total

Funds

Book-entry

152,966
163,278
157,535
154,081
148,653
150,418
153,033
159,037
153,959
144,577
155,164
147,440
159,799
156,599
152,605
139,428
149,971
148,107
154,521
153,946
147,216
160,441
153,042
154,017
160,425
163,166
171,296
162,504

113,806
127,490
123,491
112,317
114,816
119,214
126,465
126,675
130,258
113,884
123,628
118,326
133,305
117,188
126,206
119,000
125,453
128,035
136,787
137,199
125,041
148,515
129,738
134,761
131,956
141,126
151,431
137,226

97,475
82,087
79,341
79,723
84,277
74,773
75,551
65,483
62,966
70,796
73,281
76,146
82,204
87,960
71,804
66,881
73,041
76,975
81,311
80,179
68,079
75,207
78,232
83,185
86,882
81,985
91,290
74,129

56,609
58,386
59,078
55,179
54,623
54,866
56,965
57,675
55,595
54,152
56,953
54,767
60,052
57,612
56,567
53,820
56,803
55,805
57,500
59,954
56,639
62,692
58,859
58,454
60,620
62,960
66,867
61,032

38,997
44,561
44,103
40,738
38,763
41,535
42,750
45,215
44,290
41,896
44,388
40,997
46,784
41,031
44,626
42,230
44,465
42,112
45,177
45,692
44,838
49,092
45,493
44,146
43,856
47,004
48,037
46,667

17,612
13,825
14,974
14,442
15,860
13,331
14,215
12,460
11,305
12,256
12,565
13,769
13,267
16,582
11,941
11,590
12,338
13,693
12,323
14,262
11,801
13,600
13,365
14,309
16,764
15,956
18,830
14,365

1/ Data are updated quarterly
2/ The peak daylight overdraft for a given day is the greatest value reached by the sum of the daylight overdrafts
for all institutions at the end of each operating minute of the day.
3/ The average per-minute daylight overdraft for a given day is the sum of the average per-minute daylight
overdrafts for all institutions on that day.
4/ As a result of the September 11, 2001 terrorist attacks, some institutions experienced significant
processing problems and difficulty funding their Federal Reserve accounts. The Federal Reserve took
many steps to alleviate liquidity concerns during this time period, including waiving daylight overdraft fees
for all institutions from September 11 to September 21. From September 11 to September 19, the amount
of daylight overdraft fees waived totaled $1,278,419 and on September 20 and September 21, the amount
of fees waived totaled $414,609.
Note1: Beginning with December 8, 1997, average overdrafts are calculated based on an 18-hour Fedwire operating day.
Based on a 10-hour Fedwire operating day, average overdrafts are as follows:
17-Dec-97: 49,747(total), 31,319(funds), 18,428(book-entry)
31-Dec-97: 50,985(total), 32,193(funds), 18,791(book-entry)
Note2: Beginning with May 17, 2004, average overdrafts are calculated based on an 21.5-hour Fedwire operating day.

10/23/2007