NEW YORK – The Republican National Committee raised more than $100 million in 2005, exceeding that figure for only the second time ever in a non-election year, and has five times as much cash on hand as the Democrats, new reports show.

The Democratic National Committee, in its first year under the chairmanship of Howard Dean, a former Vermont governor, raised $56 million, according to reports filed with the Federal Election Commission. That’s second only to the $58 million the party took in during 2001, also a year before congressional elections.

“The system is so awash in money that I don’t think there’s any danger that any side will be going in unilaterally disarmed,” a political consultant, Charles Cook, said today at a National Press Club forum, referring to the November elections.

Still, the Republicans, who control the White House and Congress, enter the 2006 campaigns with $34 million in the bank, compared with $5.9 million for the Democrats. Four years ago, going into the last off-year congressional races, the Republicans had $40 million in the bank and the Democrats had $10 million.

The Republican National Committee reported collecting $105 million in 2005. The party raised $115 million in 2001, when it could still accept socalled “soft money,” or unlimited contributions from corporations, unions and individuals.

The Democratic National Committee reported giving $9.8 million to state parties, including $250,000 in November to Virginia Democrats to help elect Timothy Kaine as governor. Mr. Kaine tonight is to give the Democratic rebuttal to President Bush’s State of the Union address.

The Republicans gave $3.2 million to the state parties.

“As for Howard Dean, when he first came into office, we told him we thought the most important thing he could do was building up the state parties,” the chairman of the Senate Democrats’ fund-raising committee, Senator Schumer of New York, told reporters on a conference call yesterday. “He may not have as much money in the bank as we would like, but he has raised a good amount and he has spent it well on the state parties.”

A Democratic spokeswoman, Karen Finney, said the party is spending money hiring political organizers in every state in preparation for the November elections.

“Governor Dean is investing in rebuilding the infrastructure of the Democratic Party, and we’re starting now,” Ms. Finney said. “The governor is confident we will have the resources we need to win in 2006 and beyond.”

Senator Clinton, a Democrat of New York, up for election in 2006, reported a bank account balance of $17 million at the end of the 2005, according to the FEC filing released by her office. She raised $33 million last year.

A Republican who had announced her candidacy against Mrs. Clinton on August 8, Westchester County District Attorney Jeanine Pirro, withdrew from the race on December 21.