xedit h8.ascii H.8 (510) pg.1 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For immediate release Seasonally adjusted, billions of dollars November 8, 1996 Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,576.5 3,649.7 3,668.4 3,672.0 3,679.4 3,683.5 3,677.8 3,693.3 3,719.3 3,711.2 3,710.9 3,706.5 2 Securities in bank credit 994.5 991.4 990.7 996.6 990.8 985.9 974.8 969.3 974.4 968.2 963.6 969.3 3 U.S. government securities 707.7 704.3 704.5 713.3 708.5 708.2 702.3 703.6 703.1 702.7 697.2 703.3 4 Other securities 286.9 287.1 286.3 283.4 282.2 277.7 272.5 265.7 271.3 265.5 266.4 265.9 5 Loans and leases in bank credit (2) 2,582.0 2,658.3 2,677.6 2,675.4 2,688.6 2,697.5 2,703.0 2,724.0 2,744.9 2,743.1 2,747.3 2,737.2 6 Commercial and industrial 707.6 727.3 733.2 735.6 738.6 742.4 744.0 757.8 764.1 767.0 767.9 766.6 7 Real estate 1,071.9 1,095.2 1,097.0 1,098.7 1,101.9 1,103.0 1,109.8 1,111.5 1,113.3 1,113.2 1,113.9 1,114.4 8 Revolving home equity 78.3 79.9 80.1 79.7 79.3 79.7 80.3 81.0 82.2 81.9 82.4 82.5 9 Other 993.6 1,015.3 1,017.0 1,019.0 1,022.6 1,023.3 1,029.4 1,030.5 1,031.1 1,031.3 1,031.6 1,032.0 10 Consumer 489.5 503.8 507.5 505.0 510.2 512.5 514.0 518.0 517.0 516.7 517.8 517.2 11 Security (3) 86.7 84.9 85.9 82.6 82.1 80.3 76.7 77.0 81.6 79.2 79.2 74.3 12 Other loans and leases 226.3 247.1 254.0 253.6 255.8 259.2 258.6 259.7 269.0 267.0 268.4 264.8 13 Interbank loans 192.2 202.6 208.9 208.7 207.0 199.6 203.3 205.6 198.1 196.9 211.7 195.8 14 Cash assets (4) 214.9 216.4 222.5 219.4 216.7 216.9 219.3 217.9 208.1 235.9 232.9 206.8 15 Other assets (5) 219.9 231.9 233.4 233.7 243.8 254.9 258.4 261.7 255.0 258.7 264.3 250.4 16 Total assets (6) 4,146.8 4,243.7 4,276.0 4,276.9 4,289.6 4,297.0 4,300.9 4,320.5 4,322.2 4,344.3 4,361.4 4,301.3 L I A B I L I T I E S 17 Deposits 2,629.5 2,702.6 2,718.7 2,717.8 2,721.5 2,728.4 2,741.9 2,752.9 2,753.4 2,814.2 2,794.3 2,760.5 18 Transaction 781.1 766.6 770.0 756.3 749.7 742.5 733.3 720.9 683.9 727.3 711.3 683.0 19 Nontransaction 1,848.4 1,936.0 1,948.8 1,961.4 1,971.8 1,985.9 2,008.6 2,032.0 2,069.5 2,086.9 2,083.0 2,077.6 20 Large time 415.6 429.1 433.3 440.0 445.4 448.0 452.7 457.5 458.7 463.5 474.0 473.6 21 Other 1,432.9 1,506.9 1,515.4 1,521.4 1,526.4 1,537.9 1,555.9 1,574.4 1,610.8 1,623.4 1,608.9 1,604.0 22 Borrowings 694.5 691.0 707.9 711.1 703.6 696.6 704.7 713.8 674.7 683.9 699.4 674.9 23 From banks in the U.S. 299.2 293.1 292.7 298.8 295.9 297.8 301.4 309.4 291.7 293.8 313.2 288.9 24 From others 395.4 397.9 415.2 412.4 407.7 398.8 403.3 404.4 383.0 390.1 386.2 386.0 25 Net due to related foreign offices 251.8 261.6 254.4 255.9 255.1 248.9 243.5 244.6 257.4 241.6 246.2 247.3 26 Other liabilities 220.8 222.3 230.0 218.5 227.1 224.5 226.8 230.6 250.3 243.0 246.5 245.9 27 Total liabilities 3,796.6 3,877.5 3,911.0 3,903.4 3,907.2 3,898.5 3,916.8 3,941.9 3,935.8 3,982.7 3,986.4 3,928.6 28 Residual (assets less liabilities) (7) 350.2 366.2 365.0 373.5 382.4 398.5 384.1 378.6 386.4 361.6 375.1 372.7 H.8 (510) pg.2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,581.5 3,644.0 3,669.4 3,669.5 3,676.3 3,676.5 3,676.7 3,697.2 3,711.5 3,714.9 3,702.3 3,713.2 2 Securities in bank credit 997.6 995.8 995.9 1,001.7 992.0 982.8 979.0 972.0 971.1 969.1 961.0 972.0 3 U.S. government securities 709.3 708.6 710.5 714.1 708.7 705.9 705.5 705.0 700.4 703.1 696.6 703.2 4 Other securities 288.3 287.1 285.4 287.6 283.4 276.9 273.5 267.0 270.7 266.0 264.5 268.8 5 Loans and leases in bank credit (2) 2,583.9 2,648.2 2,673.5 2,667.9 2,684.3 2,693.6 2,697.7 2,725.1 2,740.3 2,745.8 2,741.3 2,741.3 6 Commercial and industrial 703.0 731.2 739.1 741.0 741.6 743.5 740.6 752.8 759.6 762.2 762.2 762.9 7 Real estate 1,073.8 1,089.6 1,093.2 1,095.6 1,100.5 1,102.9 1,109.3 1,113.4 1,116.8 1,116.9 1,116.0 1,117.2 8 Revolving home equity 78.9 79.1 79.5 79.6 79.2 79.8 80.6 81.5 82.8 82.5 83.0 83.1 9 Other 995.0 1,010.5 1,013.7 1,016.1 1,021.3 1,023.0 1,028.7 1,031.9 1,034.0 1,034.4 1,033.0 1,034.1 10 Consumer 490.8 499.6 504.7 503.3 506.5 509.8 514.1 519.2 516.8 517.3 518.6 518.1 11 Security (3) 86.3 84.8 86.7 78.4 80.0 77.8 74.7 76.6 76.4 79.1 76.6 75.2 12 Other loans and leases 229.9 243.0 249.8 249.6 255.7 259.7 258.9 263.1 270.8 270.4 267.9 267.8 13 Interbank loans 188.0 200.5 205.9 202.3 203.3 196.8 197.6 199.9 198.0 197.5 203.5 196.2 14 Cash assets (4) 215.8 209.2 217.0 216.7 214.6 214.6 209.8 218.7 213.3 249.4 214.9 211.7 15 Other assets (5) 221.0 230.5 231.2 234.6 243.4 255.7 260.2 263.0 257.0 259.0 258.6 254.3 16 Total assets (6) 4,149.3 4,227.1 4,266.6 4,266.1 4,280.3 4,286.0 4,286.3 4,320.5 4,321.6 4,362.6 4,321.1 4,317.4 L I A B I L I T I E S 17 Deposits 2,628.3 2,688.9 2,715.6 2,707.4 2,718.3 2,721.5 2,729.6 2,752.2 2,766.3 2,825.0 2,756.1 2,762.3 18 Transaction 779.8 751.9 769.0 743.9 743.2 735.3 719.6 720.0 691.1 738.8 678.5 687.9 19 Nontransaction 1,848.5 1,937.1 1,946.7 1,963.5 1,975.0 1,986.2 2,010.0 2,032.2 2,075.1 2,086.2 2,077.6 2,074.4 20 Large time 414.6 430.6 433.2 445.4 445.2 445.9 452.0 456.3 457.4 460.6 472.5 472.0 21 Other 1,433.9 1,506.5 1,513.5 1,518.1 1,529.8 1,540.3 1,558.0 1,575.9 1,617.7 1,625.5 1,605.1 1,602.4 22 Borrowings 693.6 680.8 696.7 707.8 712.0 704.9 697.1 707.9 668.1 675.1 680.0 671.4 23 From banks in the U.S. 287.0 285.5 291.2 295.6 297.5 294.2 290.9 295.8 292.1 282.7 289.1 283.6 24 From others 406.5 395.3 405.5 412.2 414.5 410.7 406.2 412.1 376.0 392.4 390.9 387.8 25 Net due to related foreign offices 247.4 262.2 254.6 258.2 247.6 247.5 242.5 241.1 253.9 243.2 252.5 252.5 26 Other liabilities 221.0 223.7 226.3 221.2 227.9 224.0 226.2 230.6 250.3 243.0 246.5 245.9 27 Total liabilities 3,790.2 3,855.6 3,893.3 3,894.7 3,905.8 3,897.9 3,895.4 3,931.8 3,938.5 3,986.3 3,935.1 3,932.0 28 Residual (assets less liabilities) (7) 359.0 371.5 373.3 371.4 374.5 388.0 390.9 388.7 383.1 376.4 386.0 385.4 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- -- 70.5 69.4 68.1 70.0 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- -- 61.0 59.8 58.6 60.0 H.8 (510) pg.3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,139.2 3,198.6 3,212.2 3,214.4 3,213.5 3,214.7 3,206.8 3,223.1 3,235.2 3,232.7 3,229.7 3,227.7 2 Securities in bank credit 852.8 843.3 842.0 845.7 837.9 835.1 822.7 822.1 826.1 821.1 814.7 818.4 3 U.S. government securities 642.0 633.1 632.9 635.3 629.2 627.5 619.5 619.8 618.7 620.8 614.0 618.4 4 Other securities 210.8 210.2 209.1 210.3 208.7 207.6 203.2 202.3 207.5 200.3 200.7 199.9 5 Loans and leases in bank credit (2) 2,286.3 2,355.3 2,370.2 2,368.7 2,375.6 2,379.7 2,384.1 2,401.0 2,409.1 2,411.7 2,415.0 2,409.3 6 Commercial and industrial 528.6 541.8 546.3 548.6 548.7 549.9 552.0 559.8 561.2 563.4 563.9 562.1 7 Real estate 1,034.9 1,062.0 1,063.8 1,065.6 1,069.1 1,069.7 1,076.3 1,078.1 1,080.0 1,079.5 1,080.5 1,080.9 8 Revolving home equity 78.3 79.9 80.1 79.7 79.3 79.7 80.3 81.0 82.2 81.8 82.3 82.4 9 Other 956.6 982.0 983.8 985.9 989.8 990.0 995.9 997.1 997.8 997.6 998.1 998.4 10 Consumer 489.5 503.8 507.5 505.0 510.2 512.5 514.0 518.0 517.0 516.7 517.8 517.2 11 Security (3) 51.7 51.2 52.9 50.7 46.8 46.1 42.1 44.2 44.5 44.1 44.0 42.6 12 Other loans and leases 181.5 196.5 199.8 198.9 200.8 201.4 199.8 200.9 206.4 208.0 208.8 206.6 13 Interbank loans 168.2 181.8 187.8 187.4 184.5 180.4 183.4 186.8 179.0 182.3 190.0 176.0 14 Cash assets (4) 187.9 189.1 196.3 193.2 191.5 191.6 194.2 192.7 179.0 209.0 204.3 179.0 15 Other assets (5) 171.3 186.8 188.6 188.0 201.5 215.1 219.8 223.6 222.4 226.0 230.6 217.8 16 Total assets (6) 3,609.9 3,699.4 3,727.9 3,726.1 3,733.8 3,744.1 3,746.5 3,768.2 3,757.5 3,791.7 3,796.3 3,742.4 L I A B I L I T I E S 17 Deposits 2,458.9 2,534.6 2,549.2 2,545.1 2,549.4 2,553.9 2,567.5 2,579.2 2,572.6 2,630.8 2,601.5 2,568.9 18 Transaction 772.1 756.8 759.4 745.4 738.9 731.8 722.5 711.0 674.6 716.7 700.0 673.5 19 Nontransaction 1,686.8 1,777.8 1,789.8 1,799.8 1,810.5 1,822.0 1,845.0 1,868.2 1,898.0 1,914.1 1,901.5 1,895.4 20 Large time 255.0 273.3 275.6 279.4 283.1 285.5 290.3 296.2 291.8 296.3 296.9 296.1 21 Other 1,431.8 1,504.5 1,514.1 1,520.4 1,527.4 1,536.6 1,554.7 1,572.0 1,606.2 1,617.9 1,604.6 1,599.3 22 Borrowings 576.9 579.2 588.4 586.2 583.5 580.2 584.4 594.8 558.4 566.9 581.3 558.0 23 From banks in the U.S. 280.1 272.6 269.5 275.3 275.6 278.2 280.6 286.9 256.6 259.5 279.0 256.6 24 From others 296.7 306.6 319.0 310.8 308.0 302.0 303.9 307.9 301.9 307.4 302.3 301.4 25 Net due to related foreign offices 92.2 81.3 84.5 88.0 79.7 76.9 72.0 71.6 84.2 76.4 80.8 80.8 26 Other liabilities 141.6 147.1 154.9 146.9 157.9 156.9 160.4 162.2 175.1 171.1 172.5 168.9 27 Total liabilities 3,269.6 3,342.3 3,377.1 3,366.2 3,370.5 3,367.9 3,384.3 3,407.8 3,390.3 3,445.2 3,436.1 3,376.5 28 Residual (assets less liabilities) (7) 340.3 357.2 350.8 359.9 363.3 376.2 362.2 360.4 367.2 346.5 360.2 365.9 H.8 (510) pg.4 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,143.0 3,191.4 3,214.9 3,214.8 3,213.7 3,206.8 3,203.5 3,225.4 3,235.9 3,238.3 3,225.2 3,233.1 2 Securities in bank credit 854.8 846.5 847.0 849.0 841.2 831.1 824.7 823.6 823.5 820.1 811.5 818.1 3 U.S. government securities 644.2 636.2 638.6 637.0 630.4 625.4 621.4 621.8 618.1 621.2 613.7 618.4 4 Other securities 210.6 210.3 208.4 212.0 210.7 205.7 203.3 201.8 205.4 198.9 197.8 199.7 5 Loans and leases in bank credit (2) 2,288.2 2,344.9 2,367.8 2,365.8 2,372.5 2,375.7 2,378.8 2,401.8 2,412.4 2,418.2 2,413.7 2,415.0 6 Commercial and industrial 524.7 544.9 552.2 554.0 551.1 549.9 547.8 555.6 558.6 560.9 560.5 560.4 7 Real estate 1,036.7 1,056.2 1,060.4 1,062.7 1,067.8 1,069.7 1,075.8 1,079.8 1,083.4 1,083.3 1,082.5 1,083.5 8 Revolving home equity 78.9 79.1 79.5 79.6 79.2 79.8 80.6 81.5 82.8 82.5 83.0 83.1 9 Other 957.9 977.0 980.9 983.1 988.5 989.8 995.2 998.3 1,000.6 1,000.8 999.6 1,000.4 10 Consumer 490.8 499.6 504.7 503.3 506.5 509.8 514.1 519.2 516.8 517.3 518.6 518.1 11 Security (3) 51.6 51.3 53.9 49.5 47.0 44.8 41.1 44.0 43.9 45.1 43.5 43.5 12 Other loans and leases 184.3 192.9 196.7 196.3 200.2 201.6 200.0 203.2 209.7 211.7 208.5 209.4 13 Interbank loans 163.1 180.5 185.7 180.8 182.6 177.6 178.5 180.6 177.8 181.1 179.4 175.5 14 Cash assets (4) 187.9 182.2 191.4 191.0 188.6 188.9 184.1 192.7 183.7 222.0 186.1 183.5 15 Other assets (5) 172.3 186.1 187.8 188.3 201.3 216.5 220.8 224.7 224.8 226.7 225.3 221.3 16 Total assets (6) 3,609.1 3,683.1 3,723.0 3,717.9 3,728.9 3,732.3 3,728.9 3,765.2 3,764.2 3,810.0 3,758.0 3,755.4 L I A B I L I T I E S 17 Deposits 2,457.9 2,520.6 2,548.4 2,533.4 2,544.0 2,549.3 2,556.9 2,578.4 2,587.1 2,644.0 2,565.1 2,572.4 18 Transaction 770.2 742.2 758.9 733.7 732.7 724.7 708.9 709.4 681.6 728.0 667.3 678.0 19 Nontransaction 1,687.7 1,778.4 1,789.5 1,799.7 1,811.3 1,824.6 1,848.0 1,869.0 1,905.4 1,916.0 1,897.8 1,894.4 20 Large time 254.7 273.8 277.0 282.7 282.9 285.6 291.7 295.5 291.3 295.1 296.7 296.1 21 Other 1,433.0 1,504.6 1,512.5 1,517.1 1,528.4 1,539.0 1,556.3 1,573.5 1,614.1 1,620.9 1,601.1 1,598.3 22 Borrowings 573.4 569.6 576.4 584.7 587.8 583.0 574.9 586.6 555.2 559.1 564.4 558.4 23 From banks in the U.S. 267.8 264.9 268.9 273.8 275.6 273.5 270.2 273.3 259.8 249.7 258.6 252.7 24 From others 305.5 304.7 307.5 310.8 312.2 309.5 304.7 313.3 295.4 309.5 305.8 305.7 25 Net due to related foreign offices 88.7 84.5 84.9 93.1 78.5 75.8 70.4 68.8 78.3 74.0 84.6 84.6 26 Other liabilities 141.7 148.8 153.0 148.4 158.2 156.9 158.9 162.0 175.1 171.1 172.5 168.9 27 Total liabilities 3,261.7 3,323.5 3,362.6 3,359.5 3,368.5 3,365.0 3,361.1 3,395.9 3,395.7 3,448.3 3,386.7 3,384.3 28 Residual (assets less liabilities) (7) 347.5 359.6 360.4 358.4 360.4 367.2 367.8 369.3 368.5 361.8 371.3 371.1 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- -- 34.3 32.0 31.2 31.6 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- -- 31.0 28.2 27.9 27.7 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- -- 238.0 237.2 237.9 240.1 H.8 (510) pg.5 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,794.5 1,805.4 1,810.5 1,809.0 1,798.8 1,793.1 1,775.8 1,783.5 1,790.7 1,788.5 1,782.7 1,779.3 2 Securities in bank credit 449.2 432.3 428.8 430.8 422.2 418.0 405.4 403.7 408.4 404.1 397.7 401.0 3 U.S. government securities 316.6 302.3 299.9 300.6 293.3 290.1 282.0 281.1 281.5 284.3 277.1 281.2 3a Trading account 19.2 24.2 19.4 21.5 20.9 20.8 19.5 20.6 20.3 25.7 18.3 20.9 3b Investment account 297.4 278.1 280.5 279.1 272.4 269.3 262.5 260.5 261.1 258.7 258.8 260.4 4 Other securities 132.7 129.9 129.0 130.2 128.9 127.9 123.4 122.5 127.0 119.8 120.5 119.8 4a Trading account 63.4 58.7 58.4 59.9 58.4 59.6 57.7 57.1 60.7 53.5 53.6 53.2 4b Investment account 69.3 71.3 70.5 70.3 70.5 68.3 65.7 65.4 66.2 66.3 66.9 66.6 4c State and local government 22.6 21.3 21.2 21.0 20.6 20.6 20.4 20.3 20.3 20.3 20.5 20.4 4d Other 46.8 50.0 49.3 49.3 49.9 47.7 45.3 45.1 45.9 46.1 46.4 46.2 5 Loans and leases in bank credit (2) 1,345.2 1,373.2 1,381.6 1,378.2 1,376.7 1,375.0 1,370.4 1,379.8 1,382.3 1,384.4 1,385.0 1,378.3 6 Commercial and industrial 363.5 369.6 372.6 373.0 371.7 372.4 372.5 378.4 379.3 380.8 381.4 379.1 7 Real estate 545.6 554.5 552.7 550.0 549.1 545.9 546.7 545.3 543.9 543.4 542.9 542.3 8 Revolving home equity 51.3 51.7 51.7 51.6 51.2 51.6 51.7 51.9 52.1 51.6 52.0 52.1 9 Other 494.3 502.7 501.0 498.4 497.8 494.3 495.0 493.4 491.8 491.8 490.9 490.2 10 Consumer 270.2 271.1 273.3 274.6 277.8 278.1 278.4 280.6 277.5 277.9 277.5 277.1 11 Security (3) 46.1 45.4 47.3 45.3 41.4 40.7 36.6 38.7 39.3 38.7 38.7 37.4 12a State and local government 11.6 11.3 11.1 11.1 11.0 11.1 11.0 10.7 10.6 10.8 10.8 10.8 12b All other 108.3 121.4 124.6 124.3 125.8 127.0 125.2 126.1 131.6 132.8 133.7 131.6 13 Interbank loans 114.3 119.4 129.8 134.0 130.6 128.6 130.6 132.6 127.8 126.9 136.2 123.3 14 Cash assets (4) 123.7 121.1 127.6 125.7 123.4 125.3 127.0 125.6 115.9 136.0 134.4 114.9 15 Other assets (5) 122.2 136.3 137.3 136.5 148.2 158.0 162.2 165.4 164.8 165.8 168.2 158.4 16 Total assets (6) 2,117.8 2,145.9 2,168.7 2,168.9 2,164.8 2,168.3 2,159.0 2,170.6 2,162.7 2,180.6 2,185.0 2,139.4 L I A B I L I T I E S 17 Deposits 1,278.8 1,311.7 1,324.1 1,320.9 1,321.3 1,325.7 1,329.8 1,334.0 1,328.7 1,360.9 1,348.7 1,323.8 18 Transaction 430.3 413.1 418.7 411.3 404.5 402.6 394.5 385.1 370.6 396.3 387.2 370.1 19 Nontransaction 848.5 898.7 905.4 909.6 916.8 923.1 935.2 948.9 958.1 964.6 961.5 953.7 20 Large time 118.4 125.6 127.0 130.0 133.9 135.9 138.9 144.9 149.0 152.9 152.7 151.8 21 Other 730.1 773.1 778.4 779.6 782.9 787.2 796.3 804.0 809.0 811.7 808.8 802.0 22 Borrowings 424.9 420.3 427.9 426.1 418.5 407.7 405.5 416.0 388.9 394.1 405.6 387.9 23 From banks in the U.S. 193.7 185.9 183.7 187.1 184.9 182.0 180.5 186.9 168.9 166.9 183.3 166.5 24 From others 231.2 234.4 244.1 239.1 233.5 225.7 225.0 229.1 219.9 227.2 222.3 221.5 25 Net due to related foreign offices 86.8 76.1 79.6 83.6 74.5 71.4 68.0 65.9 81.0 73.4 77.0 77.2 26 Other liabilities 112.4 118.7 125.9 117.7 129.0 127.4 130.9 133.2 147.2 144.3 144.1 140.5 27 Total liabilities 1,902.9 1,926.8 1,957.5 1,948.3 1,943.3 1,932.2 1,934.2 1,949.1 1,945.8 1,972.7 1,975.4 1,929.4 28 Residual (assets less liabilities) (7) 214.9 219.1 211.2 220.6 221.4 236.1 224.8 221.5 216.9 207.9 209.6 210.0 H.8 (510) pg.6 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,794.9 1,802.4 1,811.8 1,808.0 1,797.2 1,785.4 1,773.6 1,782.7 1,789.4 1,792.4 1,777.6 1,784.9 2 Securities in bank credit 451.5 433.7 430.0 431.8 423.2 414.8 409.0 405.3 407.5 405.1 396.6 403.1 3 U.S. government securities 319.0 303.6 301.8 300.2 292.2 288.5 285.3 283.3 282.5 286.5 278.8 283.7 3a Trading account 19.5 24.6 20.0 21.3 19.6 19.9 20.9 21.0 20.3 26.9 19.2 21.7 3b Investment account 299.5 279.0 281.8 278.9 272.5 268.6 264.4 262.4 262.2 259.7 259.6 262.0 4 Other securities 132.5 130.0 128.2 131.6 131.0 126.3 123.7 122.0 125.0 118.5 117.7 119.4 4a Trading account 62.7 59.1 58.1 61.7 61.1 58.7 57.8 56.2 58.1 51.7 50.4 52.4 4b Investment account 69.7 71.0 70.1 69.9 69.9 67.6 65.8 65.8 66.8 66.8 67.3 67.0 4c State and local government 22.6 21.3 21.3 21.1 20.7 20.2 20.3 20.3 20.3 20.3 20.5 20.4 4d Other 47.1 49.6 48.8 48.8 49.2 47.4 45.6 45.5 46.5 46.5 46.8 46.6 5 Loans and leases in bank credit (2) 1,343.4 1,368.8 1,381.8 1,376.2 1,374.0 1,370.6 1,364.6 1,377.3 1,382.0 1,387.4 1,381.0 1,381.8 6 Commercial and industrial 360.6 371.9 376.8 376.6 372.8 372.2 369.6 375.3 377.4 379.2 378.6 378.4 7 Real estate 545.8 551.3 551.1 547.9 547.8 545.7 546.2 545.5 545.7 545.2 543.2 543.2 8 Revolving home equity 51.6 51.2 51.3 51.5 51.1 51.6 51.9 52.2 52.5 52.1 52.5 52.6 9 Other 494.2 500.1 499.8 496.4 496.7 494.1 494.3 493.3 493.2 493.1 490.7 490.7 10 Consumer 269.9 269.5 271.6 273.3 275.4 275.7 278.1 280.3 277.0 277.9 277.6 277.6 11 Security (3) 46.2 45.4 48.3 44.3 41.7 39.5 35.7 38.7 38.6 39.7 38.3 38.3 12a State and local government 11.7 11.2 11.1 11.1 11.0 11.1 11.1 10.8 10.7 10.8 10.8 10.9 12b All other 109.3 119.4 122.9 122.9 125.3 126.3 124.0 126.8 132.6 134.6 132.5 133.4 13 Interbank loans 110.7 117.6 127.7 130.5 131.7 128.4 126.4 128.1 123.1 125.0 126.8 122.5 14 Cash assets (4) 123.9 116.8 124.6 124.1 122.2 123.0 119.2 125.8 118.1 145.6 120.3 117.7 15 Other assets (5) 122.6 135.4 136.6 137.0 149.2 159.5 162.9 165.8 164.7 165.2 165.9 161.0 16 Total assets (6) 2,114.9 2,135.8 2,164.7 2,163.3 2,164.0 2,159.9 2,145.4 2,165.7 2,159.0 2,191.8 2,154.2 2,149.8 L I A B I L I T I E S 17 Deposits 1,278.6 1,301.9 1,322.0 1,313.0 1,319.5 1,322.3 1,323.1 1,333.9 1,333.6 1,369.6 1,320.6 1,325.6 18 Tranlgdtion 430.2 403.9 418.1 403.4 401.6 397.0 384.8 385.1 371.9 404.4 362.8 373.1 19 Nontranlgdtion 848.4 898.0 903.9 909.6 917.9 925.3 938.3 948.8 961.6 965.2 957.8 952.6 20 Large time 117.9 125.0 127.4 132.4 133.9 136.3 140.4 144.1 148.1 151.5 152.1 151.5 21 Other 730.5 773.0 776.4 777.2 784.0 789.0 797.9 804.7 813.5 813.7 805.7 801.0 22 Borrowings 423.5 414.4 419.2 422.5 421.1 413.5 401.7 411.2 386.6 390.9 393.7 388.2 23 From banks in the U.S. 185.1 181.1 183.2 184.6 184.0 180.7 175.4 178.0 171.9 162.5 169.9 164.0 24 From others 238.4 233.3 236.0 237.9 237.1 232.9 226.3 233.2 214.7 228.5 223.8 224.3 25 Net due to related foreign offices 83.2 79.0 80.1 88.7 73.6 70.5 66.5 63.1 75.4 70.7 80.8 80.8 26 Other liabilities 112.3 119.9 123.9 119.6 129.4 127.7 129.4 132.9 147.2 144.3 144.1 140.5 27 Total liabilities 1,897.6 1,915.2 1,945.1 1,943.8 1,943.6 1,934.0 1,920.7 1,941.1 1,942.8 1,975.5 1,939.1 1,935.2 28 Residual (assets less liabilities) (7) 217.3 220.6 219.5 219.6 220.4 225.8 224.7 224.6 216.2 216.3 215.1 214.6 MEMO 29 Reval. gains on off-bal. sheet itens(8) -- -- -- -- -- -- -- -- 34.3 32.0 31.2 31.6 30 Reval. losses on off-bal. sheet itens (8) -- -- -- -- -- -- -- -- 31.0 28.2 27.9 27.7 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- -- 185.8 185.1 184.9 186.9 H.8 (510) pg 7 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,344.7 1,393.1 1,401.7 1,405.4 1,414.6 1,421.7 1,431.1 1,439.6 1,444.5 1,444.2 1,447.0 1,448.4 2 Securities in bank credit 403.6 411.0 413.1 414.9 415.7 417.0 417.3 418.4 417.7 416.9 417.0 417.4 3 U.S. government securities 325.5 330.8 333.0 334.7 335.9 337.3 337.6 338.7 337.2 336.5 336.9 337.2 4 Other securities 78.1 80.3 80.1 80.2 79.8 79.7 79.7 79.7 80.5 80.5 80.1 80.2 5 Loans and leases in bank credit (2) 941.1 982.1 988.6 990.5 998.9 1,004.6 1,013.8 1,021.1 1,026.8 1,027.3 1,030.0 1,031.0 6 Commercial and industrial 165.1 172.2 173.6 175.6 177.0 177.6 179.5 181.4 182.0 182.5 182.5 183.0 7 Real estate 489.4 507.5 511.1 515.6 520.1 523.9 529.6 532.8 536.1 536.1 537.6 538.6 8 Revolving home equity 27.1 28.2 28.3 28.1 28.0 28.2 28.6 29.1 30.1 30.2 30.3 30.3 9 Other 462.3 479.3 482.8 487.6 492.0 495.7 501.0 503.7 505.9 505.9 507.3 508.3 10 Consumer 219.4 232.7 234.2 230.4 232.4 234.5 235.6 237.4 239.5 238.8 240.3 240.1 11 Security (3) 5.5 5.8 5.7 5.4 5.4 5.4 5.4 5.5 5.2 5.4 5.3 5.2 12 Other loans and leases 61.7 63.8 64.0 63.5 64.0 63.3 63.7 64.1 64.1 64.5 64.3 64.2 13 Interbank loans 53.9 62.5 58.1 53.4 54.0 51.8 52.9 54.1 51.2 55.4 53.8 52.7 14 Cash assets (4) 64.2 67.9 68.8 67.6 68.1 66.3 67.2 67.1 63.1 73.0 69.9 64.1 15 Other assets (5) 49.1 50.5 51.3 51.5 53.3 57.1 57.6 58.2 57.7 60.1 62.4 59.4 16 Total assets (6) 1,492.0 1,553.5 1,559.2 1,557.2 1,569.0 1,575.8 1,587.5 1,597.6 1,594.8 1,611.1 1,611.3 1,603.0 L I A B I L I T I E S 17 Deposits 1,180.1 1,222.9 1,225.2 1,224.2 1,228.0 1,228.2 1,237.8 1,245.2 1,243.9 1,269.9 1,252.8 1,245.1 18 Transaction 341.8 343.7 340.8 334.0 334.3 329.3 327.9 325.9 303.9 320.3 312.8 303.4 19 Nontransaction 838.3 879.2 884.4 890.2 893.7 899.0 909.8 919.3 939.9 949.6 940.0 941.7 20 Large time 136.6 147.7 148.7 149.4 149.2 149.6 151.4 151.3 142.8 143.4 144.2 144.3 21 Other 701.7 731.5 735.7 740.8 744.5 749.4 758.4 768.0 797.2 806.2 795.8 797.3 22 Borrowings 152.0 158.9 160.5 160.0 165.1 172.5 178.9 178.8 169.6 172.8 175.8 170.1 23 From banks in the U.S. 86.5 86.7 85.7 88.3 90.6 96.2 100.0 100.0 87.7 92.6 95.7 90.1 24 From others 65.5 72.2 74.8 71.8 74.4 76.3 78.9 78.8 81.9 80.2 80.0 79.9 25 Net due to related foreign offices 5.4 5.2 4.9 4.4 5.1 5.5 4.0 5.7 3.1 3.0 3.7 3.6 26 Other liabilities 29.2 28.4 29.0 29.2 28.9 29.5 29.4 29.0 27.9 26.8 28.4 28.4 27 Total liabilities 1,366.7 1,415.4 1,419.6 1,417.9 1,427.1 1,435.7 1,450.1 1,458.7 1,444.4 1,472.5 1,460.7 1,447.1 28 Residual (assets less liabilities) (7) 125.4 138.1 139.6 139.3 141.9 140.1 137.4 138.9 150.4 138.6 150.6 155.9 H.8 (510) pg.8 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,348.1 1,388.9 1,403.1 1,406.8 1,416.5 1,421.4 1,429.9 1,442.7 1,446.5 1,445.9 1,447.6 1,448.2 2 Securities in bank credit 403.3 412.8 417.0 417.1 418.0 416.3 415.7 418.2 416.0 415.0 414.9 415.0 3 U.S. government securities 325.1 332.6 336.8 336.8 338.3 336.9 336.1 338.5 335.6 334.7 334.8 334.8 4 Other securities 78.2 80.3 80.2 80.4 79.7 79.4 79.6 79.7 80.4 80.3 80.1 80.3 5 Loans and leases in bank credit (2) 944.8 976.1 986.1 989.7 998.5 1,005.1 1,014.2 1,024.5 1,030.4 1,030.9 1,032.6 1,033.2 6 Commercial and industrial 164.1 172.9 175.4 177.4 178.4 177.7 178.2 180.3 181.2 181.7 181.9 182.1 7 Real estate 491.0 504.8 509.3 514.8 519.9 524.0 529.6 534.3 537.8 538.1 539.4 540.3 8 Revolving home equity 27.3 27.9 28.1 28.1 28.1 28.3 28.7 29.3 30.3 30.4 30.5 30.6 9 Other 463.7 476.9 481.1 486.8 491.8 495.7 500.9 505.0 507.4 507.7 508.9 509.7 10 Consumer 220.9 230.1 233.1 229.9 231.1 234.1 236.1 238.9 239.7 239.4 241.0 240.5 11 Security (3) 5.4 5.9 5.6 5.2 5.3 5.3 5.4 5.4 5.4 5.4 5.2 5.2 12 Other loans and leases 63.3 62.3 62.7 62.3 63.8 64.1 65.0 65.6 66.4 66.3 65.2 65.1 13 Interbank loans 52.3 62.9 58.0 50.3 50.9 49.2 52.1 52.5 54.7 56.0 52.6 53.0 14 Cash assets (4) 64.0 65.5 66.9 66.9 66.4 65.8 64.9 66.9 65.6 76.4 65.8 65.8 15 Other assets (5) 49.7 50.7 51.2 51.3 52.0 57.0 57.9 58.9 60.0 61.5 59.4 60.4 16 Total assets (6) 1,494.3 1,547.3 1,558.3 1,554.6 1,564.9 1,572.4 1,583.5 1,599.5 1,605.2 1,618.2 1,603.7 1,605.7 L I A B I L I T I E S 17 Deposits 1,179.4 1,218.7 1,226.5 1,220.3 1,224.5 1,226.9 1,233.8 1,244.5 1,253.5 1,274.4 1,244.5 1,246.8 18 Transaction 340.1 338.3 340.8 330.2 331.1 327.6 324.1 324.3 309.7 323.6 304.6 304.9 19 Nontransaction 839.3 880.4 885.7 890.1 893.4 899.3 909.7 920.2 943.8 950.8 939.9 941.9 20 Large time 136.8 148.8 149.5 150.3 149.0 149.3 151.3 151.4 143.3 143.6 144.6 144.6 21 Other 702.5 731.6 736.1 739.9 744.4 750.0 758.4 768.8 800.6 807.2 795.3 797.3 22 Borrowings 149.8 155.2 157.1 162.2 166.6 169.5 173.2 175.4 168.6 168.2 170.8 170.1 23 From banks in the U.S. 82.7 83.8 85.7 89.2 91.5 92.8 94.7 95.3 88.0 87.2 88.7 88.7 24 From others 67.1 71.4 71.5 72.9 75.1 76.6 78.4 80.1 80.7 81.0 82.0 81.4 25 Net due to related foreign offices 5.5 5.5 4.8 4.4 4.9 5.3 4.0 5.8 2.9 3.3 3.8 3.8 26 Other liabilities 29.4 29.0 29.1 28.8 28.9 29.2 29.5 29.2 27.9 26.8 28.4 28.4 27 Total liabilities 1,364.1 1,408.3 1,417.5 1,415.7 1,424.9 1,431.0 1,440.4 1,454.8 1,452.9 1,472.8 1,447.5 1,449.1 MEMO 28 Residual (assets less liabilities) (7) 130.2 139.0 140.8 138.9 140.0 141.4 143.1 144.7 152.3 145.5 156.2 156.5 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- -- 52.2 52.1 53.0 53.1 H.8 (510) pg.9 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 437.4 451.1 456.2 457.7 465.9 468.7 471.0 470.2 484.1 478.5 481.2 478.8 2 Securities in bank credit 141.7 148.1 148.8 151.0 152.9 150.9 152.1 147.2 148.2 147.1 148.9 150.9 3 U.S. government securities 65.6 71.2 71.6 77.9 79.3 80.7 82.8 83.8 84.4 81.9 83.2 84.9 4 Other securities 76.1 76.9 77.2 73.0 73.6 70.1 69.3 63.4 63.8 65.2 65.8 66.0 5 Loans and leases in bank credit (2) 295.7 303.1 307.4 306.7 313.0 317.9 318.8 323.0 335.9 331.4 332.3 327.9 6 Commercial and industrial 179.0 185.6 187.0 187.0 189.9 192.5 191.9 198.0 202.9 203.6 204.0 204.4 7 Real estate 37.0 33.3 33.2 33.1 32.8 33.3 33.5 33.4 33.4 33.7 33.5 33.6 11 Security (3) 35.0 33.6 33.0 31.9 35.3 34.3 34.7 32.8 37.0 35.1 35.1 31.7 12 Other loans and leases 44.7 50.6 54.3 54.7 55.0 57.8 58.7 58.8 62.6 59.0 59.7 58.2 13 Interbank loans 24.0 20.8 21.0 21.3 22.4 19.2 19.9 18.8 19.1 14.6 21.7 19.8 14 Cash assets (4) 27.0 27.4 26.2 26.1 25.2 25.3 25.1 25.2 29.0 26.9 28.6 27.8 15 Other assets (5) 48.6 45.0 44.8 45.7 42.3 39.7 38.6 38.1 32.6 32.7 33.8 32.6 16 Total assets (6) 536.9 544.3 548.1 550.8 555.8 552.9 554.5 552.3 564.7 552.6 565.1 558.9 L I A B I L I T I E S 17 Deposits 170.6 168.0 169.5 172.6 172.1 174.5 174.4 173.7 180.8 183.4 192.8 191.7 18 Transaction 9.0 9.8 10.5 11.0 10.8 10.7 10.8 10.0 9.3 10.6 11.3 9.5 19 Nontransaction 161.6 158.1 159.0 161.7 161.3 163.9 163.6 163.7 171.5 172.8 181.5 182.2 20 Large time 160.5 155.8 157.7 160.6 162.3 162.6 162.4 161.3 166.9 167.2 177.1 177.5 21 Other 1.1 2.4 1.3 1.1 -1.0 1.3 1.2 2.4 4.6 5.6 4.3 4.7 22 Borrowings 117.7 111.8 119.4 125.0 120.0 116.5 120.3 119.0 116.2 117.0 118.1 116.9 23 From banks in the U.S. 19.0 20.5 23.2 23.4 20.3 19.6 20.9 22.4 35.1 34.2 34.2 32.4 24 From others 98.6 91.3 96.2 101.5 99.7 96.8 99.4 96.6 81.1 82.8 83.8 84.6 25 Net due to related foreign offices 159.5 180.2 169.9 167.9 175.4 172.0 171.5 173.0 173.3 165.3 165.5 166.5 26 Other liabilities 79.2 75.2 75.1 71.7 69.2 67.6 66.4 68.4 75.2 71.9 74.0 77.0 27 Total liabilities 527.0 535.2 533.9 537.1 536.8 530.6 532.6 534.1 545.5 537.6 550.3 552.1 28 Residual (assets less liabilities) (7) 9.9 9.1 14.2 13.6 19.1 22.3 21.9 18.2 19.2 15.1 14.8 6.8 H.8 (510) pg. 10 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Sep Mar Apr May Jun Jul Aug Sep Oct 9 Oct 16 Oct 23 Oct 30 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 438.5 452.6 454.5 454.8 462.6 469.7 473.2 471.8 475.6 476.6 477.2 480.1 2 Securities in bank credit 142.8 149.3 148.8 152.7 150.9 151.7 154.3 148.5 147.6 149.0 149.5 153.9 3 U.S. government securities 65.2 72.4 71.9 77.1 78.2 80.5 84.1 83.2 82.3 81.8 82.9 84.8 3a Trading account -- -- -- -- -- -- -- -- 18.4 18.1 19.2 19.5 3b Investment account -- -- -- -- -- -- -- -- 63.9 63.7 63.7 65.3 4 Other securities 77.7 76.8 77.0 75.6 72.6 71.2 70.2 65.2 65.4 67.2 66.6 69.1 4a Trading account -- -- -- -- -- -- -- -- 45.2 47.0 46.6 48.5 4b Investment account -- -- -- -- -- -- -- -- 20.2 20.2 20.1 20.6 5 Loans and leases in bank credit (2) 295.7 303.4 305.7 302.0 311.7 317.9 318.9 323.3 327.9 327.6 327.6 326.3 6 Commercial and industrial 178.3 186.4 186.9 187.0 190.4 193.6 192.9 197.3 201.0 201.3 201.6 202.5 7 Real estate 37.1 33.4 32.8 32.9 32.8 33.2 33.5 33.5 33.4 33.6 33.4 33.7 11 Security (3) 34.7 33.5 32.8 28.9 33.0 33.0 33.6 32.6 32.5 34.0 33.1 31.7 12 Other loans and leases 45.5 50.1 53.1 53.3 55.6 58.1 58.9 60.0 61.1 58.7 59.4 58.4 13 Interbank loans 24.9 20.0 20.2 21.5 20.7 19.1 19.1 19.3 20.2 16.4 24.1 20.7 14 Cash assets (4) 28.0 27.0 25.6 25.7 26.0 25.7 25.7 26.1 29.6 27.4 28.8 28.2 15 Other assets (5) 48.8 44.4 43.4 46.3 42.2 39.2 39.4 38.2 32.2 32.4 33.3 33.0 16 Total assets (6) 540.1 544.0 543.6 548.2 551.4 553.7 557.5 555.4 557.4 552.6 563.1 561.9 L I A B I L I T I E S 17 Deposits 170.4 168.4 167.2 174.0 174.3 172.3 172.7 173.7 179.2 181.0 191.0 189.8 18 Transaction 9.5 9.7 10.0 10.3 10.6 10.7 10.7 10.6 9.5 10.8 11.2 9.9 19 Nontransaction 160.8 158.7 157.2 163.8 163.7 161.6 162.1 163.1 169.7 170.2 179.8 179.9 20 Large time 159.9 156.8 156.2 162.8 162.3 160.3 160.3 160.8 166.1 165.5 175.8 175.8 21 Other 0.9 1.9 0.9 1.0 1.4 1.3 1.7 2.4 3.6 4.6 4.0 4.1 22 Borrowings 120.2 111.2 120.3 123.2 124.3 121.9 122.2 121.3 112.9 116.0 115.6 113.0 23 From banks in the U.S. 19.2 20.6 22.3 21.8 21.9 20.7 20.7 22.5 32.3 33.0 30.5 30.9 24 From others 101.0 90.6 98.1 101.4 102.3 101.2 101.5 98.8 80.6 83.0 85.1 82.1 25 Net due to related foreign offices 158.7 177.7 169.8 165.2 169.1 171.7 172.1 172.3 175.6 169.2 167.8 167.8 26 Other liabilities 79.3 74.9 73.4 72.8 69.6 67.1 67.3 68.6 75.2 71.9 74.0 77.0 27 Total liabilities 528.6 532.1 530.7 535.2 537.3 532.9 534.3 536.0 542.8 538.0 548.4 547.6 28 Residual (assets less liabilities) (7) 11.6 11.9 12.9 13.0 14.1 20.8 23.1 19.4 14.6 14.6 14.6 14.3 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- -- 36.2 37.4 36.8 38.4 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- -- 30.0 31.5 30.7 32.3 H.8 (510) pg.11 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta ASSETS 1 Bank credit 1,784.9 93.2 333.4 95.5 160.8 161.0 212.3 2 Securities in bank credit (14) 403.1 3 U.S. government securities (14) 283.7 3a Trading account (14) 21.7 3b Investment account 262.0 16.0 77.6 5.5 25.2 26.4 27.2 3c Mortgage-backed 155.4 7.2 51.6 2.5 13.0 14.5 15.7 3d Other 106.6 8.8 26.0 2.9 12.2 11.8 11.5 3e 1 year or less 29.1 3.3 4.4 1.5 1.6 3.8 2.6 3f Between 1 and 5 years 56.3 4.8 14.6 1.2 4.6 7.3 7.7 3g More than 5 years 21.2 0.7 7.0 0.2 6.0 0.7 1.1 4 Other securities (14) 119.4 4a Trading account (14) 52.4 4b Investment account 67.0 5.2 19.6 2.3 5.7 4.6 10.6 4c State and local government 20.4 1.8 6.4 0.7 0.9 1.2 2.0 4d Other 46.6 3.3 13.2 1.6 4.7 3.5 8.6 5 Loans and leases in bank credit (2) 1,381.8 72.1 236.3 87.8 129.9 130.1 174.4 6 Commerical and industrial 378.4 26.8 64.3 14.6 38.1 34.6 37.0 6a Bankers accep and commercial paper 1.8 0.1 0.8 0.0 0.0 0.0 0.0 6b Other 376.6 26.7 63.5 14.6 38.0 34.5 37.0 7 Real estate 543.2 21.2 91.7 22.2 47.5 58.1 89.4 8 Revolving home equtiy 52.6 3.2 7.2 2.6 5.5 6.4 5.6 9a Other residential 313.5 10.2 55.5 13.9 30.0 28.8 56.9 9b Commercial 177.2 7.8 28.9 5.8 12.0 22.9 26.9 10 Consumer 277.6 6.9 34.1 44.8 27.4 19.3 36.3 11 Security (3) 38.3 7.8 15.0 0.1 0.9 4.7 1.0 11a Fed funds and RPs with broker/dealer 23.6 7.4 7.4 0.0 0.0 4.5 0.6 11b Other 14.7 0.4 7.6 0.1 0.9 0.3 0.4 12a State and local government 10.9 0.2 1.6 0.7 1.3 2.1 2.1 12b Agricultural 7.7 0.0 0.1 0.1 0.2 0.5 0.5 12c Fed funds and RPs with others 5.1 1.3 1.7 0.0 0.0 1.3 0.0 12d All other loans 62.0 3.3 15.4 1.4 5.9 4.7 3.6 12e Lease financing receivables 58.6 4.5 12.4 3.9 8.5 4.7 4.3 13 Interbank loans 122.5 3.5 47.0 5.4 8.9 14.6 9.6 13a Fed funds and RPs with banks 71.1 1.7 25.3 3.8 5.5 9.2 7.0 13b Other 51.5 1.8 21.8 1.5 3.3 5.4 2.6 14 Cash assets(4) 117.7 7.2 24.9 4.3 8.7 9.0 10.3 15 Other assets (12) 178.6 14.8 100.7 8.5 11.0 31.0 13.8 16 TOTAL ASSETS (6) 2,167.4 117.0 493.3 111.6 186.5 213.4 242.9 H.8 (510) pg.12 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta 17 Deposits 1,325.6 66.1 258.1 65.7 119.5 118.4 169.9 18 Transaction 373.1 21.5 67.9 15.0 29.5 27.8 35.9 19 Nontransaction 952.6 44.6 190.2 50.7 90.0 90.6 134.0 20 Large time 151.5 6.7 39.1 9.6 11.1 12.9 19.0 21 Other 801.0 37.9 151.1 41.1 78.9 77.6 115.0 22 Borrowings 388.2 28.4 73.0 27.4 34.8 53.4 40.5 23 From banks in the US 164.0 7.5 21.2 10.5 14.4 22.7 23.1 24 From others 224.3 20.9 51.8 16.9 20.4 30.7 17.5 26 Other liabilities (13) 239.0 12.2 99.6 7.5 16.8 26.3 12.3 27 TOTAL LIABILITIES 1,952.9 106.7 430.7 100.6 171.1 198.0 222.7 28 Residual (assets less liabilities (13) 214.6 10.3 62.6 11.0 15.4 15.4 20.2 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 31.6 30 Reval. losses on off-bal. sheet items (8,14) 27.7 31 Mortgage-backed securities (9) 186.9 8.5 56.6 3.4 19.7 16.2 21.6 31a Pass-through 127.7 6.4 43.7 1.7 12.4 13.0 13.0 31b CMO, REMIC and other 59.3 2.1 12.9 1.7 7.3 3.2 8.6 32 Net unrealized ganis (losses) 2.2 on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) 31.1 H.8 (510) pg.13 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansac City Dallas San Francisco ASSETS 1 Bank credit 183.8 40.8 40.4 26.1 75.9 287.6 2 Securities in bank credit (14) 3 U.S. government securities (14) 3a Trading account (14) 3b Investment account (14) 26.4 8.1 2.7 6.9 12.5 27.5 3c Mortgage-backed 9.3 5.0 1.9 4.9 10.3 19.4 3d Other 17.0 3.1 0.8 2.1 2.3 8.1 3e 1 year or less 7.9 1.1 0.3 0.4 0.8 1.4 3f Between 1 and 5 years 5.8 1.5 0.3 1.5 1.3 5.8 3g More than 5 years 3.4 0.5 0.2 0.2 0.2 0.8 4 Other securities (14) 4a Trading account (14) 4b Investment accout (14) 6.4 1.7 0.7 1.1 2.1 7.1 4c State and local government 3.5 0.8 0.2 0.6 0.7 1.7 4d Other 2.9 0.9 0.5 0.5 1.5 5.4 5 Loans and leases in bank credit (2) 151.0 31.0 37.0 18.1 61.2 253.1 6 Commerical and industrial 64.0 8.3 8.4 5.0 23.6 53.7 6a Bankers accep and commercial paper 0.2 0.0 0.0 0.0 0.0 0.6 6b Other 63.8 8.3 8.4 5.0 23.6 53.2 7 Real estate 46.6 14.9 7.8 6.6 20.8 116.3 8 Revolving home equtiy 4.7 1.2 0.4 0.4 0.3 14.9 9a Other residential 18.2 10.0 5.2 3.6 15.8 65.4 9b Commercial 23.6 3.7 2.2 2.6 4.7 36.1 10 Consumer 23.4 5.2 16.2 4.2 10.6 49.3 11 Security (3) 3.3 0.3 1.3 0.0 1.4 2.5 11a Fed funds and RPs with broker/dealer 0.6 0.1 0.9 0.0 1.1 1.1 11b Other 2.7 0.3 0.4 0.0 0.3 1.4 12a State and local government 1.1 0.2 0.1 0.1 0.1 1.1 12b Agricultural 0.4 0.1 0.2 0.5 0.1 4.8 12c Fed funds and RPs with others 0.4 0.0 0.0 0.0 0.2 0.0 12d All other loans 7.9 1.1 1.9 1.3 3.7 11.8 12e Lease financing receivables 4.0 0.9 0.9 0.3 0.6 13.5 13 Interbank loans 8.1 1.6 4.2 1.3 2.8 15.7 13a Fed funds and RPs with banks 7.3 1.5 3.9 1.0 1.5 3.3 13b Other 0.7 0.1 0.3 0.3 1.3 12.5 14 Cash assets(4) 15.3 2.6 2.1 2.0 8.4 22.9 15 Other assets (12) 20.0 2.9 3.0 1.2 6.3 39.4 16 TOTAL ASSETS 224.3 47.4 48.9 30.2 92.6 359.3 H.8 (510) pg.14 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansas City Dallas San Francisco 17 Deposits 135.3 30.2 21.9 23.3 65.6 251.8 18 Transaction 41.6 7.1 7.5 7.2 20.1 91.9 19 Nontransaction 93.7 23.0 14.4 16.0 45.4 159.9 20 Large time 18.2 3.1 1.3 1.3 4.6 24.6 21 Other 75.5 19.9 13.2 14.7 40.8 135.3 22 Borrowings 42.9 11.6 18.4 3.9 12.8 41.3 23 From banks in the US 16.8 8.3 14.4 2.4 3.4 19.4 24 From others 26.0 3.4 4.0 1.5 9.4 21.8 26 Other liabilities (13) 25.0 2.0 4.3 0.9 5.8 26.2 27 TOTAL LIABILITIES 203.2 43.8 44.6 28.1 84.2 319.3 28 Residual (assets less liabilities (13) 21.2 3.5 4.3 2.2 8.4 40.1 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 30 Reval. losses on off-bal. sheet items (8,14) 31 Mortgage-backed securities (9) 13.3 5.9 2.0 5.5 11.0 23.3 31a Pass-through 6.8 2.6 1.8 4.1 9.0 13.2 31b CMO, REMIC and other 6.6 3.3 0.2 1.4 2.0 10.1 32 Net unrealized ganis (losses) on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) H.8 (510) Footnotes Note: This release is available on the Federal Reserve Board's web site: http://www.bog.frb.fed.us/. Current and historical data are available on the Commerce Department's economic bulletin board. For information call 202-482-1986. 1. Covers the following types of institutions in the fifty states and the District of Columbia: domestically chartered commercial banks that submit a weekly report of condition (large domestic); other domestically chartered commercial banks (small domestic); branches and agencies of foreign banks, and Edge Act and Agreement corporations (foreign-related institutions). Excludes International Banking Facilities. Data are Wednesday values or pro rata averages of Wednesday values. Large domestic banks constitute a universe; data for small domestic banks and foreign-related institutions are estimates based on weekly samples and on quarter-end condition reports. Data are adjusted for breaks caused by reclassifications of assets and liabilities. The data for large and small domestic banks presented on pages 5 to 8 are adjusted to remove the estimated effects of mergers between these two groups. The adjustment for mergers changes past levels to make them comparable with current levels. Estimated quantities of balance sheet items acquired in mergers are removed from past data for the bank group that contained the acquired bank and put into past data for the group containing the acquiring bank. Balance sheet data for acquired banks are obtained from call reports, and a ratio procedure is used to adjust past levels. 2. Excludes federal funds sold to, reverse RPs with, and loans made to commercial banks in the United States, all of which are included in line 13. 3. Consists of reverse RPs with brokers and dealers and loans to purchase and carry securities. 4. Includes vault cash, cash items in process of collection, balances due from depository institutions, and balances due from Federal Reserve Banks. 5. Excludes the due-from position with related foreign offices, which is included in line 25. 6. Excludes unearned income, reserves for losses on loans and leases, and reserves for transfer risk. Loans are reported gross of these items. 7. This balancing item is not intended as a measure of equity capital for use in capital adequacy analysis. On a seasonally adjusted basis this item reflects any differences in the seasonal patterns estimated for total assets and total liabilities. 8. Fair value of derivative contracts (interest rate, foreign exchange rate, other commodity and equity contracts) in a gain/loss position, as determined under FASB Interpretation No. 39. 9. Includes mortgage-backed securities issued by U.S. government agencies, U.S. government-sponsored enterprises, and private entities. 10. Difference between fair value and historical cost for securities classified as available-for-sale under FASB Statement No. 115. Data are reported net of tax effects. Data shown are restated to include an estimate of these tax effects. 11. Mainly commercial and industrial loans, but also includes an unknown amount of credit extended to other than non-financial businesses. 12. Includes the due-from position with related foreign offices. 13. Includes the due-to position with related foreign offices. 14. Disaggregation by District not available. The trading account components of securities (lines 3a and 4a) are included in line 15.