Banks are an essential part of the United States economy – in fact, banks are the single most important supplier of credit. Banks come in many varieties, including community, regional and money center banks and holding companies, as well as savings institutions, trust companies and savings banks. There are more than 95,000 bank offices and branches and 400,000 ATMs — that's more locations in the U.S. than movie theaters or shopping malls. With over $14 trillion in assets and more than $1.5 trillion in capital, the banking industry has the capital and level of commitment to support the financial needs of individuals, businesses and all levels of government. Banks make loans to consumers to finance key purchases like a home, an education, a car, or a major appliance. Bank credit helps small businesses get started, and helps all businesses grow and prosper. Banks help state and local governments fund a variety of public improvements like schools, roads, water and sewer and public health facilities. And banks are major players in financing the federal government as both dealers and holders of Treasury and agency debt securities. In each of these roles, banks support the creation of jobs and the growth of our economy.