These likewise are numerous, but some of the recurring ones are as follows:

1. An excess of Incoming Clearings - The receipt back from the clearing house of a larger amount than is sent would cause a decrease in the reserve. Suppose $200,000 checks are sent and $215,000 are brought back from the clearing house. The general ledger entries in brief resulting from such a situation would be:

Debit: Due to Depositors (37).....

$215,000

Credit: Reserve at Federal Reserve Bank (10) ...................

$15,000

Credit: Due to Depositors (37)...

176,000

Credit: Checks on Clearing House Banks (12) ..................

24,000

2. A Money Transfer - Suppose a correspondent of the bank directs it to make a payment of $200,000 through the Federal Reserve bank to another bank in some other city. The general ledger entries resulting from that would be:

Debit: Due to Depositors (37)....

$200,000

Credit: Reserve at Federal Reserve Bank (10).............

$200,000

3. A Withdrawal of Funds - To illustrate: A member bank requests $15,000 of currency from the Federal Reserve bank for the day's transactions. The general ledger entries would be:

Debit: Cash (11)..................

$15,000

Credit: Reserve at Federal Reserve Bank (10)....................

$15,000