CONSOLIDATED BALANCE SHEETS AND CASH FLOWS ANALYSIS

Consolidated balance sheets analysis

The following is a discussion of the significant changes between December $31,2023$ and $2022.$ Refer to pages $155158$ for a discussion of the Critical Accounting Estimates Used by the Firm that affect the Consolidated Balance Sheets.

Selected Consolidated balance sheets data

December $31,($in millions$)20232022$ Change

Assets

Cash and due from banks $ $29,066$ $ $27,6975\%$

Deposits with banks $595,085539,53710$

Federal funds sold and securities purchased under resale agreements

$276,152315,592(12)$

Securities borrowed $200,436185,3698$

Trading assets $540,607453,79919$

Available$-$for$-$sale securities $201,704205,857(2)$

Held$-$to$-$maturity securities $369,848425,305(13)$

Investment securities$,$ net of allowance for credit losses $571,552631,162(9)$

Loans $1,323,7061,135,64717$

Allowance for loan losses $(22,420)(19,726)14$

Loans, net of allowance for loan losses $1,301,2861,115,92117$

Accrued interest and accounts receivable

$107,363125,189(14)$

Premises and equipment $30,15727,7349$

Goodwill, MSRs and other intangible assets $64,38160,8596$

Other assets $159,308182,884(13)$

TSelected Consolidated balance sheets data

December $31,($in millions$)20232022$ Change

Liabilities

Deposits $ $2,400,688$ $ $2,340,1793$

Federal funds purchased and securities loaned or sold under repurchase agreements

$216,535202,6137$

Short$-$term borrowings $44,71244,0272$

Trading liabilities $180,428177,9761$

Accounts payable and other liabilities $290,307300,141(3)$

Beneficial interests issued by consolidated variable interest entities $($VIEs$)$

$23,02012,61083$

Long$-$term debt $391,825295,86532$

Total liabilities $3,547,5153,373,4115$

Stockholders$$ equity $327,878292,33212$

Total liabilities and stockholders$$ equity

$ $3,875,393$ $ $3,665,7436\%$otal assets $ $3,875,393$ $ $3,665,7436\%$

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