Overall consumer debt in California continued to decline in the third quarter of 2011, consistent with national trends. The average debt per consumer (excluding first mortgages) in California was approximately $19,800 for Q3, which was higher than the national average of roughly $17,200. Average revolving debt per consumer in California, which includes balances related to bank cards, revolving home equity, and retail, was roughly $11,900 for Q3. Nationally, the figure was about $7,800. Total consumer debt and revolving debt have fallen since their peaks in 2009, but debt levels remain well above their levels from the earlier part of the decade.