Daylight Overdrafts of Depository Institutions and Related Fees1

(in millions of dollars)
Reserve
Maintenance
Average Overdrafts3
Period
(million $)
Ending:
Total
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

Funds
4/27/94
19,100
5/11/94
18,983
5/25/94
19,677
6/8/94
18,632
6/22/94
20,339
7/6/94
19,808
7/20/94
20,577
8/3/94
19,517
8/17/94
18,656
8/31/94
18,730
9/14/94
17,380
9/28/94
19,985
10/12/94
20,328
10/26/94
19,607
11/9/94
18,957
11/23/94
21,067
12/7/94
18,964
12/21/94
20,438
1/4/95
21,744
1/18/95
22,893
2/1/95
23,732
2/15/95
23,099
3/1/95
22,229

Aggregate
Fees

Intraday Peak Overdrafts2
(million $)

(dollars)
Book-entry
699,681
19,822
799,911
25,026
871,823
26,719
759,520
26,711
745,570
21,960
718,203
24,095
762,412
22,583
764,542
23,627
750,314
23,788
767,339
24,543
652,983
24,039
655,227
19,397
661,073
22,468
696,804
21,499
680,195
21,491
660,652
22,179
645,067
23,042
715,900
21,970
553,912
19,794
630,555
19,108
716,532
18,698
726,262
19,075
685,962
21,849

Total

Funds

Book-entry

64,234

39,261

53,617

71,069

39,740

65,495

78,689

42,296

70,506

75,772

38,692

71,971

72,397

42,034

66,560

72,143

42,139

66,169

69,086

45,032

64,467

68,477

44,170

63,636

72,889

41,612

67,402

73,181

40,332

69,780

72,359

38,382

69,433

65,659

42,553

60,106

66,703

45,176

60,871

66,946

42,034

63,379

68,574

41,751

66,333

71,137

45,914

67,297

65,546

40,025

60,987

66,675

43,796

61,933

61,999

47,815

53,479

60,822

49,145

54,586

59,699

51,047

52,110

59,281

47,861

55,102

64,789

45,654

57,889

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
45,077
48,779
49,376
45,145
50,983
50,447
46,453
46,638

3/15/95
21,260
3/29/95
19,990
4/12/95
22,043
4/26/95
20,627
5/10/95
20,343
5/24/95
22,170
6/7/95
22,714
6/21/95
21,444
7/5/95
22,265
7/19/95
23,816
8/2/95
23,283
8/16/95
21,759
8/30/95
22,198
9/13/95
21,785
9/27/95
22,986
10/11/95
24,289
10/25/95
22,647
11/8/95
22,177
11/22/95
22,660
12/6/95
22,993
12/20/95
24,784
1/3/96
22,768
1/17/96
25,124
1/31/96
26,014
2/14/96
23,680
2/28/96
27,331
3/13/96
25,414
3/27/96
24,737
4/10/96
25,552

746,700
21,635
640,989
18,898
760,791
22,136
855,770
16,008
981,653
19,879
1,060,085
20,449
1,090,718
24,162
1,079,596
21,643
1,029,200
22,532
1,074,798
20,235
1,089,331
20,888
1,017,343
20,140
985,850
19,131
1,010,447
23,014
1,096,920
21,683
1,090,043
22,658
1,055,544
21,169
1,016,413
20,367
1,096,260
21,950
1,137,280
25,732
1,276,762
24,291
925,686
22,310
1,111,290
23,655
1,268,347
23,362
1,102,168
21,465
1,193,651
23,651
1,313,650
25,033
1,147,785
21,716
1,175,072
21,086

67,457

43,958

62,952

62,882

41,285

59,166

69,180

45,217

64,337

54,986

43,605

49,116

62,328

42,003

58,704

67,885

45,195

64,132

74,623

47,001

69,265

72,674

44,715

68,537

69,979

47,521

65,513

68,698

50,652

64,270

68,903

48,804

65,260

70,194

44,945

66,087

66,648

46,735

62,724

72,925

45,410

67,452

71,770

48,131

66,312

72,932

49,572

66,671

66,718

46,792

59,736

66,950

45,618

59,081

71,287

43,967

64,191

77,893

47,439

68,313

78,013

49,216

68,944

68,744

46,963

61,831

73,570

49,044

62,586

74,481

51,507

63,870

66,984

48,631

61,186

77,946

52,162

66,875

78,075

49,289

67,035

70,779

49,026

58,135

71,269

48,942

54,784

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

4/24/96
24,767
5/8/96
24,720
5/22/96
24,550
6/5/96
24,438
6/19/96
23,788
7/3/96
26,611
7/17/96
26,003
7/31/96
26,043
8/14/96
25,120
8/28/96
26,408
9/11/96
26,519
9/25/96
27,014
10/9/96
26,492
10/23/96
26,955
11/6/96
24,690
11/20/96
28,119
12/4/96
28,938
12/18/96
27,696
1/1/97
27,457
1/15/97
29,615
1/29/97
30,307
2/12/97
27,758
2/26/97
29,564
3/12/97
28,649
3/26/97
30,660
4/9/97
27,855
4/23/97
27,769
5/7/97
28,680
5/21/97
30,892

1,154,162
20,961
1,069,337
19,264
1,001,636
18,254
1,035,685
21,646
1,041,401
19,440
1,115,497
19,240
956,733
19,071
1,038,354
17,787
1,081,207
18,768
1,046,820
17,555
1,020,329
19,733
923,219
14,331
1,145,672
19,713
917,076
16,694
1,072,705
19,823
1,048,428
19,664
1,126,741
20,864
1,142,388
19,479
788,095
15,662
1,105,379
16,933
1,039,098
18,700
1,132,590
19,590
1,082,960
20,401
1,184,133
20,232
1,119,461
17,032
1,131,710
19,230
877,838
13,812
997,072
16,124
1,023,161
15,443

67,936

48,563

58,262

61,982

49,630

51,898

61,924

48,881

53,795

68,523

47,599

60,879

64,059

44,753

54,697

64,222

52,362

53,891

63,673

48,478

52,788

63,035

48,013

50,287

65,464

46,944

54,448

66,613

49,215

55,955

63,783

49,288

52,144

58,523

49,770

44,036

66,540

49,244

52,250

63,123

48,961

50,893

67,348

46,397

57,279

71,402

52,581

59,304

68,926

53,014

52,217

68,815

49,407

53,151

63,139

52,705

47,592

63,660

55,294

46,839

67,730

54,847

51,520

67,615

51,114

56,849

72,460

52,914

59,335

69,059

51,182

56,190

66,138

54,316

50,203

66,920

51,920

51,519

58,033

50,955

42,609

63,366

54,394

45,668

65,562

58,560

45,006

49,018
47,422
48,499
45,176
46,654
47,773
47,734
48,201
48,332
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

6/4/97
30,406
6/18/97
30,570
7/2/97
32,405
7/16/97
29,885
7/30/97
27,884
8/13/97
27,742
8/27/97
30,047
9/10/97
29,365
9/24/97
29,976
10/8/97
31,048
10/22/97
31,379
11/5/97
29,987
11/19/97
32,401
12/3/97
31,659
12/17/97
19,907
12/31/97
17,898
1/14/98
17,453
1/28/98
19,611
2/11/98
17,870
2/25/98
18,704
3/11/98
18,007
3/25/98
19,598
4/8/98
18,535
4/22/98
17,112
5/6/98
19,477
5/20/98
19,215
6/3/98
19,078
6/17/98
19,494
7/1/98
21,086

999,464
18,612
1,077,778
16,852
1,078,945
16,094
875,991
15,291
1,044,437
18,770
1,119,996
20,031
1,062,479
17,687
990,147
18,836
1,093,776
18,356
1,228,972
20,323
1,049,524
19,379
1,324,069
23,364
1,120,279
20,103
1,117,266
21,571
1,103,466
12,328
1,043,908
10,447
1,031,092
10,989
1,161,118
10,752
1,258,498
11,202
1,089,869
10,610
1,411,061
13,286
1,388,789
11,706
1,432,893
13,167
1,291,466
11,931
1,346,418
11,496
1,227,393
10,036
1,125,318
11,076
1,307,095
11,266
1,436,511
11,719

68,465

56,508

49,838

66,822

55,883

47,133

67,905

60,558

46,378

61,736

54,009

44,847

69,210

51,649

57,276

70,295

52,213

59,083

69,784

54,108

57,631

68,838

54,679

54,926

69,095

54,431

53,140

71,794

59,080

56,569

74,554

57,027

56,836

80,224

56,186

62,364

76,180

59,651

56,452

76,397

58,120

60,130

70,524

56,052

54,588

74,097

57,796

55,736

73,256

59,542

55,303

76,461

64,301

55,060

73,518

59,726

57,264

75,484

63,310

58,682

80,439

61,385

62,795

79,663

62,504

62,632

81,254

61,298

65,486

77,486

53,462

61,016

79,345

62,438

59,763

73,564

60,337

56,083

72,059

63,278

53,970

76,209

62,938

57,847

80,455

67,615

55,412

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
29,940
26,936
26,311

7/15/98
18,303
7/29/98
18,717
8/12/98
18,213
8/26/98
19,072
9/9/98
18,325
9/23/98
20,102
10/7/98
19,906
10/21/98
21,295
11/2/98
20,482
11/18/98
21,847
12/2/98
20,726
12/16/98
20,128
12/30/98
19,936
1/13/99
20,564
1/27/99
20,845
2/10/99
20,057
2/24/99
20,992
3/10/99
19,596
3/24/99
19,089
4/7/99
19,020
4/21/99
18,584
5/5/99
18,786
5/19/99
18,745
6/2/99
19,653
6/16/99
19,707
6/30/99
21,887
7/14/99
19,743
7/28/99
19,187
8/11/99
18,198

1,227,039
10,624
1,225,269
10,493
1,189,476
10,571
1,230,777
10,950
1,327,237
14,075
1,373,082
11,565
1,424,822
12,154
1,220,461
10,691
1,266,691
9,699
1,238,298
10,096
1,171,471
10,613
1,269,401
10,293
1,087,808
9,060
1,096,804
9,104
1,024,602
8,152
1,158,630
9,137
1,022,196
8,417
1,203,431
10,847
1,112,140
9,954
1,140,098
9,333
1,088,500
9,570
1,048,129
8,860
1,060,314
9,543
932,212
9,191
982,424
8,340
973,302
6,286
1,023,028
10,197
936,829
7,748
889,240
8,113

70,659

60,261

52,248

73,329

60,664

59,190

72,185

59,686

50,669

74,269

63,361

54,624

86,179

59,732

67,402

79,275

63,369

59,669

81,587

62,973

56,553

81,338

68,271

56,032

75,010

64,586

49,001

78,771

67,877

52,274

75,606

66,635

52,564

76,682

63,612

54,537

74,068

63,263

48,374

77,125

67,896

45,731

73,457

67,563

45,634

72,574

66,603

47,948

74,641

68,767

46,821

76,728

63,583

49,628

75,701

63,295

53,701

73,230

61,580

45,513

70,115

58,077

52,445

68,923

61,230

49,770

72,625

61,232

51,067

74,289

67,424

49,666

72,860

66,440

39,288

76,598

72,924

34,674

76,228

65,935

46,773

69,086

63,681

43,004

66,945

59,101

40,045

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

8/25/99
20,498
9/8/99
18,489
9/22/99
19,752
10/6/99
21,209
10/20/99
21,116
11/3/99
20,848
11/17/99
22,855
12/1/99
22,798
12/15/99
19,694
12/29/99
19,390
1/12/00
19,478
1/26/00
22,355
2/9/00
22,198
2/23/00
22,348
3/8/00
22,718
3/22/00
23,786
4/5/00
23,923
4/19/00
22,264
5/3/00
22,440
5/17/00
22,894
5/31/00
24,566
6/14/00
23,100
6/28/00
26,110
7/12/00
24,661
7/26/00
24,683
8/9/00
22,498
8/23/00
22,812
9/6/00
22,969
9/20/00
25,087

943,155
7,953
858,573
8,951
953,414
8,458
1,084,615
8,335
1,012,915
9,008
955,668
7,010
980,039
7,256
933,974
7,066
932,991
7,549
817,772
5,444
824,373
5,830
829,986
6,270
1,031,693
7,341
1,007,314
8,761
1,067,703
7,804
1,016,304
6,597
1,114,310
7,435
1,025,014
7,138
928,328
5,383
926,000
5,888
846,627
5,081
1,010,374
6,875
1,092,975
5,068
999,965
6,508
1,053,970
5,660
925,780
5,974
863,437
5,087
864,933
6,146
1,001,009
5,249

75,970

68,891

42,279

69,660

63,461

47,952

72,477

65,650

44,707

77,158

69,071

42,849

75,489

67,757

44,849

73,583

68,718

31,177

82,587

76,744

33,038

81,774

74,018

30,340

70,790

62,366

33,735

66,573

60,751

24,159

67,619

61,172

25,579

80,429

76,680

32,861

78,526

72,916

35,152

82,086

75,867

41,105

81,928

76,071

39,337

86,247

81,154

33,250

87,329

80,863

33,967

78,547

74,465

36,445

84,462

78,480

27,484

87,093

82,174

28,886

91,279

87,262

29,899

94,280

87,518

31,047

97,772

94,286

28,633

90,351

83,844

29,271

86,710

83,436

34,569

79,830

74,152

29,927

80,745

76,398

30,109

82,921

76,775

28,570

89,194

84,797

26,846

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
36,222
30,590
32,742
32,288
32,021
32,785
34,194
36,191
33,931
32,483
33,169
32,099
40,246
40,931
33,039
30,712

10/4/00
24,354
10/18/00
25,620
11/1/00
24,563
11/15/00
23,671
11/29/00
25,161
12/13/00
24,802
12/27/00
26,764
1/10/01
25,859
1/24/01
28,736
2/7/01
27,337
2/21/01
28,944
3/7/01
27,303
3/21/01
28,453
4/4/01
27,501
4/18/01
25,726
5/2/01
27,654
5/16/01
26,922
5/30/01
25,879
6/13/01
25,233
6/27/01
28,142
7/11/01
27,851
7/25/01
26,422
8/8/01
25,232
8/22/01
25,436
9/5/01
25,930
9/19/01
32,424
10/3/01
30,866
10/17/01
25,630
10/31/01
24,994

957,437
4,758
950,418
5,401
978,591
5,062
945,515
4,907
826,076
3,949
1,124,366
6,438
943,015
4,369
1,048,750
6,095
1,221,561
6,585
1,196,465
5,705
1,113,416
5,667
1,239,550
6,669
1,221,668
6,123
1,338,271
8,720
951,604
4,864
1,072,799
5,088
991,318
5,367
902,468
6,142
1,082,523
7,552
1,124,044
6,052
1,161,095
8,340
1,145,421
7,509
1,064,507
7,251
1,124,165
7,733
927,524
6,169
373,0824
7,822
1,229,4544
10,066
1,051,590
7,409
998,008
5,717

91,136

86,064

22,295

94,804

88,047

24,207

92,521

85,145

28,186

84,491

78,867

23,862

91,509

85,906

26,453

93,789

85,045

29,047

96,153

91,034

22,124

95,965

88,631

24,901

106,172

98,476

25,968

98,866

93,104

24,950

98,304

92,302

26,350

99,421

89,915

25,892

99,127

92,901

28,984

105,627

94,530

36,007

90,871

85,391

23,477

101,303

94,676

23,502

101,387

96,369

26,814

100,053

92,653

27,294

96,245

88,043

31,804

98,429

93,121

29,645

104,589

95,474

35,703

95,369

89,285

35,311

91,443

84,131

30,800

92,359

84,869

33,163

95,235

89,282

27,373

116,881

102,323

29,442

115,119

105,912

41,102

98,335

90,285

36,212

92,003

83,978

25,652

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

11/14/01
26,122
11/28/01
25,480
12/12/01
25,846
12/26/01
27,282
1/9/02
24,737
1/23/02
24,655
2/6/02
24,157
2/20/02
25,353
3/6/02
24,570
3/20/02
25,255
4/3/02
23,348
4/17/02
22,306
5/1/02
23,639
5/15/02
23,390
5/29/02
24,825
6/12/02
25,217
6/26/02
24,843
7/10/02
26,138
7/24/02
24,458
8/7/02
24,452
8/21/02
25,043
9/4/02
24,569
9/18/02
26,030
10/2/02
28,386
10/16/02
29,927
10/30/02
27,659
11/13/02
30,543
11/27/02
30,919
12/11/02
29,536

1,181,034
8,705
975,592
7,008
1,216,434
8,276
957,782
5,317
792,729
4,881
908,119
6,278
1,090,452
7,588
917,161
6,302
981,946
6,862
860,271
5,416
858,990
6,729
846,711
7,371
832,921
6,445
863,945
6,445
813,051
6,768
936,867
6,671
952,847
7,582
976,109
7,886
975,579
8,377
936,522
7,909
1,145,791
10,495
822,241
7,976
839,145
6,309
1,087,634
7,785
1,071,575
7,469
1,160,188
8,470
1,399,391
11,615
1,317,495
7,907
1,105,406
8,570

101,011

90,013

34,567

97,937

88,619

30,204

98,269

87,463

30,668

92,858

86,923

27,842

87,882

81,058

23,634

87,120

78,963

29,456

90,041

78,428

28,746

88,183

80,943

28,179

88,771

76,983

27,831

87,985

80,298

25,362

86,981

77,633

29,741

78,191

69,544

34,904

83,284

75,931

31,334

79,401

71,970

29,796

83,097

76,743

32,727

85,353

76,187

27,666

85,193

76,950

35,273

88,428

80,037

34,313

86,316

76,128

34,766

81,866

73,836

35,444

97,227

80,491

47,229

87,148

78,084

36,207

83,035

75,811

30,061

92,943

86,687

32,871

92,127

85,548

33,928

91,563

82,335

35,893

103,537

90,495

45,980

100,482

91,266

39,052

97,167

84,833

33,833

35,216
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

12/25/02
29,627
1/8/03
28,968
1/22/03
30,775
2/5/03
27,157
2/19/03
28,856
3/5/03
29,752
3/19/03
31,516
4/2/03
29,472
4/16/03
28,659
4/30/03
28,983
5/14/03
32,906
5/28/03
30,976
6/11/03
29,997
6/25/03
32,551
7/9/03
34,534
7/23/03
28,052
8/6/03
30,032
8/20/03
33,379
9/3/03
28,758
9/17/03
32,614
10/1/03
32,117
10/15/03
31,088
10/29/03
29,622
11/12/03
30,668
11/26/03
31,360
12/10/03
28,680
12/24/03
30,056
1/7/04
30,796
1/21/04
31,221

916,734
5,588
945,908
6,701
1,126,590
6,311
1,098,150
8,338
1,110,809
9,181
1,377,726
10,476
1,355,638
8,847
1,289,076
9,568
1,163,630
8,281
1,083,849
6,669
1,462,442
8,419
1,219,458
9,188
1,408,986
10,718
1,457,409
9,352
1,557,758
11,296
1,169,114
8,686
1,351,645
10,360
1,454,808
9,613
1,003,905
8,220
1,301,164
8,081
1,207,575
7,107
1,129,674
8,705
1,293,581
9,426
1,145,436
8,069
1,219,186
7,603
1,091,765
9,221
1,183,820
7,823
898,233
6,824
1,271,501
10,446

90,265

84,204

26,314

95,338

86,955

30,340

97,490

90,080

29,140

90,865

80,430

39,356

97,950

86,007

39,746

103,196

92,746

44,338

103,179

94,925

38,718

98,552

88,272

44,633

92,821

81,565

36,637

95,499

86,831

29,588

104,234

89,944

33,161

103,455

90,301

41,446

99,189

88,879

46,683

109,548

98,675

40,797

121,048

106,015

42,310

96,971

86,489

39,475

103,226

92,729

43,733

111,122

102,947

46,962

100,672

92,880

41,696

104,081

94,072

36,839

106,007

97,940

31,374

97,682

90,285

40,272

99,491

90,356

39,019

97,431

87,198

35,180

100,763

94,581

34,918

99,832

87,317

36,728

94,726

86,881

40,412

99,913

89,823

29,035

101,576

86,758

50,321

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
36,673
37,563
41,052
38,425
40,856
34,247
39,763
39,054
40,925
42,298

2/4/04
30,614
2/18/04
30,910
3/3/04
28,473
3/17/04
29,458
3/31/04
29,934
4/14/04
26,926
4/28/04
25,119
5/12/04
27,532
5/26/04
26,263
6/9/04
24,068
6/23/04
25,020
7/7/04
29,447
7/21/04
25,351
8/4/04
22,768
8/18/04
26,676
9/1/04
23,250
9/15/04
24,369
9/29/04
26,766
10/13/04
26,514
10/27/04
25,517
11/10/04
26,730
11/24/04
29,104
12/8/04
28,438
12/22/04
30,188
1/5/05
26,155
1/19/05
27,322
2/2/05
27,796
2/16/05
27,622
3/2/05
29,500

1,353,003
9,374
1,391,870
11,465
1,362,283
11,477
1,322,512
9,719
1,260,123
9,256
1,133,455
9,018
1,167,529
7,269
1,441,358
8,024
1,099,559
6,859
1,145,516
10,137
1,070,909
7,114
1,323,491
8,099
1,253,245
8,872
1,036,270
7,826
1,246,933
7,255
997,036
7,569
1,024,151
8,720
1,336,135
9,518
1,306,196
10,760
1,438,955
11,156
1,460,346
10,833
1,509,333
11,948
1,396,485
9,987
1,681,529
10,668
1,216,991
8,091
1,447,799
12,441
1,625,214
11,258
1,736,304
13,304
1,658,455
12,798

99,199

89,815

43,335

101,340

85,159

48,138

100,051

85,383

45,715

90,306

82,153

45,339

100,672

92,740

42,758

89,469

80,840

40,425

98,049

87,382

41,463

104,963

97,422

43,718

93,929

88,823

38,120

102,194

85,884

48,594

99,309

88,365

38,061

114,894

108,288

45,516

99,629

93,163

53,101

96,690

87,690

45,444

107,062

97,199

43,463

95,728

89,618

45,427

101,475

93,187

54,041

112,590

105,247

57,544

107,667

98,963

63,934

104,635

89,325

65,023

107,674

99,596

61,919

122,242

108,607

63,816

112,332

104,884

60,010

117,241

108,138

65,175

107,738

99,678

50,679

118,421

101,048

74,860

112,017

102,794

68,888

114,738

98,040

72,888

120,244

107,971

72,604

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

3/16/05
26,816
3/30/05
27,492
4/13/05
27,186
4/27/05
27,677
5/11/05
30,865
5/25/05
28,943
6/8/05
26,964
6/22/05
30,344
7/6/05
34,965
7/20/05
30,525
8/3/05
30,933
8/17/05
31,323
8/31/05
30,446
9/14/05
31,397
9/28/05
36,269
10/12/05
32,444
10/26/05
34,435
11/9/05
33,101
11/23/05
33,429
12/7/05
33,920
12/21/05
36,292
1/4/06
35,795
1/18/06
33,326
2/1/06
33,948
2/15/06
32,200
3/1/06
34,408
3/15/06
31,515
3/29/06
34,418
4/12/06
33,247

1,659,791
13,138
1,519,720
11,508
1,640,737
13,191
1,354,915
10,126
1,576,542
9,385
1,429,203
9,210
1,280,590
10,777
1,742,989
12,015
1,709,597
10,102
1,499,417
9,194
1,625,616
10,083
1,871,783
11,479
1,706,536
11,606
1,813,975
13,316
1,907,266
8,325
1,615,052
10,448
1,771,684
8,724
1,620,132
8,501
1,497,039
9,783
1,528,624
9,161
1,876,203
8,793
1,397,148
7,898
1,548,219
10,536
1,815,950
10,059
1,825,447
10,333
1,556,852
11,708
1,761,521
11,654
1,760,205
10,017
1,747,521
10,981

110,497

97,088

74,001

114,716

104,194

63,462

113,279

96,221

69,882

108,623

94,896

62,079

118,339

109,973

51,260

114,134

99,663

48,316

107,669

93,346

57,176

122,106

99,686

61,350

135,218

127,757

58,486

113,118

102,955

54,619

117,742

109,404

58,693

123,157

111,931

61,002

120,900

105,685

64,200

122,267

107,677

69,153

135,560

130,192

47,358

128,868

119,193

60,151

130,380

122,662

51,813

124,930

116,023

47,248

126,907

114,304

53,740

123,167

114,378

47,230

127,787

116,477

46,139

132,149

123,274

41,003

124,364

115,844

55,667

125,759

113,160

52,751

111,821

99,591

56,756

142,243

130,057

59,858

125,934

100,530

67,541

121,199

108,440

52,988

122,329

107,830

59,149

45,077
48,203
48,821
48,058
49,220
54,364
48,407
56,619
56,385
55,831
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

4/26/06
36,789
5/10/06
37,117
5/24/06
36,441
6/7/06
36,671
6/21/06
38,669
7/5/06
44,291
7/19/06
36,033
8/2/06
40,716
8/16/06
40,691
8/30/06
41,347
9/13/06
38,997
9/27/06
44,561
10/11/06
44,103
10/25/06
40,738
11/8/06
38,763
11/22/06
41,535
12/6/06
42,750
12/20/06
45,215
1/3/07
44,290
1/17/07
41,896
1/31/07
44,388
2/14/07
40,997
2/28/07
46,784
3/14/07
41,031
3/28/07
44,626
4/11/07
42,230
4/25/07
44,465
5/9/07
42,112
5/23/07
45,177

1,753,303
8,289
1,937,070
11,087
1,963,636
12,380
1,676,447
11,387
2,047,858
10,552
2,184,233
10,074
1,926,362
12,374
2,586,252
15,903
2,645,535
15,694
2,492,641
14,484
2,396,784
17,612
2,636,902
13,825
2,471,468
14,974
2,498,472
14,442
2,547,600
15,860
2,389,038
13,331
2,316,636
14,215
2,636,707
12,460
1,899,242
11,305
2,075,377
12,256
2,505,838
12,565
2,439,565
13,769
2,397,128
13,267
2,620,850
16,582
2,354,910
11,941
2,221,197
11,590
2,337,434
12,338
2,231,610
13,693
2,364,103
12,323

124,944

113,274

45,096

131,761

118,239

61,924

136,729

111,169

64,692

132,392

115,858

59,545

130,538

114,945

59,107

144,278

133,635

53,804

133,844

107,653

67,343

159,532

116,636

89,288

152,157

117,883

86,423

152,738

122,448

85,246

152,966

113,806

97,475

163,278

127,490

82,087

157,535

123,491

79,341

154,081

112,317

79,723

148,653

114,816

84,277

150,418

119,214

74,773

153,033

126,465

75,551

159,037

126,675

65,483

153,959

130,258

62,966

144,577

113,884

70,796

155,164

123,628

73,281

147,440

118,326

76,146

159,799

133,305

82,204

156,599

117,188

87,960

152,605

126,206

71,804

139,428

119,000

66,881

149,971

125,453

73,041

148,107

128,035

76,975

154,521

136,787

81,311

59,954
56,639
62,692
58,859
58,454
60,620
62,960
66,867
61,032

6/6/07
45,692
6/20/07
44,838
7/4/07
49,092
7/18/07
45,493
8/1/07
44,146
8/15/07
43,856
8/29/07
47,004
9/12/07
48,037
9/26/07
46,667

2,330,680
14,262
2,262,597
11,801
2,418,859
13,600
2,390,022
13,365
2,382,920
14,309
2,706,985
16,764
2,701,495
15,956
2,804,329
18,830
2,548,682
14,365

153,946

137,199

80,179

147,216

125,041

68,079

160,441

148,515

75,207

153,042

129,738

78,232

154,017

134,761

83,185

160,425

131,956

86,882

163,166

141,126

81,985

171,296

151,431

91,290

162,504

137,226

74,129

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.