[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Monetary McFly 🪰 [@Monetaryguy589](/creator/twitter/Monetaryguy589) on x 4600 followers Created: 2025-07-24 17:01:03 UTC H.8 Cash Assets reported by the Commercial Banks 🟩 H.4 Reserve Balances reported by the Federal Reserve 🟨 Fungible Liquidity: H.8 Cash - H.4 Reserves 🟥 Fungible Liquidity is the excess Cash Assets of Banks that could be used in transactions with non-Banks outside of the Federal Reserve system. In 1990 Cash Assets of Banks reported at $240B including $34B of Reserve Balances at the Fed - approximately $200B of Fungible Liquidity. The month before Lehman Bros. failed in September 2008, Cash Assets of Banks reported $308B including just $10B of Reserve Balances at the Fed - approximately $300B of Fungible Liquidity. Before 2008, Reserve Balances at the Fed consisted of previously circulating cash deposits that were created in the economy by the Commercial Banks during the process of originating new Loans Post 2008, Reserve Balances at the Fed now consist of a specialized money - useable only by Banks- that was created directly by the Fed during the process of buying Treasury and MBS Securities from the Banks - not from Banks originating new Loans Since 2008, the Reserve requirements have also changed - and with them, the consistency of the Fungible liquidity as well. In 2020 they removed all Reserve Requirements from the Banks The first month we saw the average Fungible Liquidity report seriously negative was March of 2021. Most recently we saw negative monthly prints in March and April of this year with the June average coming in at just $XX Billion Maybe I am naive, but shouldn't the actual spendable and loanable Liquidity in the Banking system be something the Fed tracks?  XXX engagements  **Related Topics** [fed](/topic/fed) [$34b](/topic/$34b) [$240b](/topic/$240b) [federal reserve](/topic/federal-reserve) [Post Link](https://x.com/Monetaryguy589/status/1948428223483969908)
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Monetary McFly 🪰 @Monetaryguy589 on x 4600 followers
Created: 2025-07-24 17:01:03 UTC
H.8 Cash Assets reported by the Commercial Banks 🟩 H.4 Reserve Balances reported by the Federal Reserve 🟨 Fungible Liquidity: H.8 Cash - H.4 Reserves 🟥
Fungible Liquidity is the excess Cash Assets of Banks that could be used in transactions with non-Banks outside of the Federal Reserve system.
In 1990 Cash Assets of Banks reported at $240B including $34B of Reserve Balances at the Fed - approximately $200B of Fungible Liquidity.
The month before Lehman Bros. failed in September 2008, Cash Assets of Banks reported $308B including just $10B of Reserve Balances at the Fed - approximately $300B of Fungible Liquidity.
Before 2008, Reserve Balances at the Fed consisted of previously circulating cash deposits that were created in the economy by the Commercial Banks during the process of originating new Loans
Post 2008, Reserve Balances at the Fed now consist of a specialized money - useable only by Banks- that was created directly by the Fed during the process of buying Treasury and MBS Securities from the Banks - not from Banks originating new Loans
Since 2008, the Reserve requirements have also changed - and with them, the consistency of the Fungible liquidity as well. In 2020 they removed all Reserve Requirements from the Banks
The first month we saw the average Fungible Liquidity report seriously negative was March of 2021. Most recently we saw negative monthly prints in March and April of this year with the June average coming in at just $XX Billion Maybe I am naive, but shouldn't the actual spendable and loanable Liquidity in the Banking system be something the Fed tracks?
XXX engagements
Related Topics fed $34b $240b federal reserve