Federal Reserve Statistical Release, H.8, Assets and Liabilities of Commercial Banks in the United States; title with eagle logo links to Statistical Release home page

Release Date: December 27, 1996

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 H.8 (510)                                         pg.1
 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)                                                                           For release at 4:15 p.m. Eastern Time  
 Seasonally adjusted, billions of dollars                                                                                                        December 27, 1996

               Account                                    1995      1996      1996      1996      1996      1996      1996      1996                 Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        3,598.9   3,674.8   3,681.9   3,688.2   3,678.4   3,692.6   3,719.6   3,749.4   3,778.9    3,754.0    3,766.2    3,766.7

  2     Securities in bank credit                          999.1     997.3     990.6     984.6     973.2     967.2     968.4     986.4     997.3      990.9      996.0      994.1
  3        U.S. government securities                      714.1     713.2     708.5     707.6     701.3     702.2     700.8     705.7     710.1      703.6      704.8      707.3
  4        Other securities                                285.0     284.0     282.1     277.0     271.9     265.0     267.5     280.6     287.2      287.3      291.2      286.8

  5     Loans and leases in bank credit (2)              2,599.8   2,677.5   2,691.4   2,703.6   2,705.2   2,725.4   2,751.2   2,763.0   2,781.6    2,763.1    2,770.2    2,772.6
  6        Commercial and industrial                       713.6     735.3     738.5     743.0     744.4     759.0     770.2     775.1     780.5      778.9      785.7      785.4
  7        Real estate                                   1,076.8   1,100.0   1,103.4   1,105.5   1,111.7   1,113.4   1,115.7   1,119.3   1,124.2    1,122.3    1,122.4    1,123.2
  8          Revolving home equity                          78.9      79.7      79.4      79.9      80.6      81.2      82.4      83.5      83.9       84.8       84.7       84.8
  9          Other                                         997.9   1,020.3   1,024.1   1,025.6   1,031.1   1,032.2   1,033.3   1,035.8   1,040.2    1,037.6    1,037.7    1,038.4
  10        Consumer                                       491.1     504.9     510.4     513.4     514.7     518.3     518.0     520.2     520.6      520.9      521.6      521.9
  11        Security (3)                                    86.3      82.0      81.5      79.1      72.7      73.4      78.6      78.7      84.3       74.7       71.9       74.5
  12       Other loans and leases                          232.1     255.3     257.6     262.6     261.7     261.3     268.8     269.6     272.1      266.3      268.6      267.6

  13  Interbank loans                                      193.7     210.7     208.4     197.3     198.3     205.0     199.7     213.1     215.5      210.0      197.7      197.9

  14  Cash assets (4)                                      216.1     219.5     217.2     219.1     221.8     220.0     222.3     231.5     235.6      222.3      229.4      226.1

  15  Other assets (5)                                     220.0     230.6     240.5     250.0     255.6     258.5     251.2     260.7     263.1      271.7      270.2      270.3

  16  TOTAL ASSETS (6)                                   4,172.2   4,278.6   4,290.7   4,297.0   4,296.6   4,318.6   4,334.8   4,396.9   4,435.3    4,400.2    4,405.9    4,403.4

         L I A B I L I T I E S

  17  Deposits                                           2,648.1   2,712.3   2,721.1   2,732.2   2,753.2   2,777.5   2,810.7   2,848.3   2,882.3    2,869.7    2,873.1    2,867.8
  18    Transaction                                        768.7     755.1     750.0     741.9     734.1     725.6     719.6     723.6     747.3      711.9      720.8      703.5
  19    Nontransaction                                   1,879.4   1,957.2   1,971.2   1,990.3   2,019.1   2,051.9   2,091.0   2,124.7   2,135.1    2,157.8    2,152.3    2,164.4
  20       Large time                                      423.2     438.6     444.2     453.9     460.5     471.5     487.3     493.6     497.3      501.8      506.3      509.2
  21       Other                                         1,456.2   1,518.6   1,526.9   1,536.4   1,558.7   1,580.4   1,603.7   1,631.1   1,637.7    1,656.0    1,646.0    1,655.1

  22  Borrowings                                           674.0     722.0     713.4     706.2     718.2     719.1     683.7     701.0     716.6      676.9      675.2      699.8
  23    From banks in the U.S.                             291.4     307.4     303.5     295.3     300.4     303.9     294.9     296.7     306.9      286.3      280.4      286.8
  24    From others                                        382.6     414.6     409.9     410.9     417.8     415.3     388.8     404.4     409.8      390.7      394.8      413.0
  25    Net due to related foreign offices                 264.4     256.9     257.2     253.6     244.4     248.9     243.8     236.4     216.4      233.1      226.8      230.8

  26  Other liabilities                                    222.9     219.7     226.4     218.7     218.6     218.6     238.3     252.4     257.1      260.2      260.0      247.3

  27  TOTAL LIABILITIES                                  3,809.4   3,910.8   3,918.1   3,910.7   3,934.4   3,964.2   3,976.5   4,038.2   4,072.5    4,040.0    4,035.1    4,045.8

  28  Residual (assets less liabilities) (7)               362.8     367.8     372.7     386.3     362.2     354.3     358.4     358.7     362.8      360.2      370.9      357.6


 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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    ----  ---    -------
             A S S E T S

  1   Bank credit                                        3,605.0   3,672.3   3,679.0   3,681.4   3,677.6   3,696.7   3,718.5   3,748.6   3,771.6    3,756.4    3,762.1    3,771.5

  2     Securities in bank credit                          997.8   1,002.3     991.9     981.6     977.4     970.1     967.7     978.7     985.5      982.9      980.6      978.4
  3        U.S. government securities                      712.4     714.0     708.6     705.4     704.5     703.7     700.1     704.5     706.5      704.7      703.7      705.6
  4        Other securities                                285.4     288.3     283.2     276.2     272.9     266.4     267.6     274.2     279.0      278.3      276.9      272.8

  5     Loans and leases in bank credit (2)              2,607.3   2,670.0   2,687.1   2,699.8   2,700.2   2,726.7   2,750.8   2,769.8   2,786.2    2,773.5    2,781.5    2,793.1
  6        Commercial and industrial                       711.9     740.8     741.4     744.1     741.1     754.0     765.7     773.2     779.0      775.5      777.7      781.8
  7        Real estate                                   1,082.4   1,096.9   1,102.0   1,105.3   1,111.2   1,115.3   1,118.8   1,125.0   1,129.2    1,127.9    1,129.4    1,128.4
  8          Revolving home equity                          79.3      79.6      79.3      80.0      80.8      81.7      83.0      84.0      84.3       85.0       84.9       84.9
  9          Other                                       1,003.1   1,017.3   1,022.7   1,025.3   1,030.4   1,033.5   1,035.8   1,041.1   1,044.9    1,042.9    1,044.5    1,043.5
  10        Consumer                                       491.9     503.2     506.6     510.6     514.8     519.5     518.5     521.0     521.9      523.2      524.7      528.3
  11        Security (3)                                    87.7      77.9      79.5      76.6      70.8      73.1      76.9      79.2      83.4       75.6       78.1       80.6
  12       Other loans and leases                          233.3     251.2     257.5     263.1     262.2     264.9     270.9     271.3     272.6      271.2      271.6      273.9

  13  Interbank loans                                      197.0     204.3     204.5     194.5     192.9     199.5     197.8     216.0     214.2      224.1      209.2      212.6

  14  Cash assets (4)                                      220.1     216.9     215.1     216.8     212.3     220.9     223.1     235.9     242.9      229.9      225.5      241.1

  15  Other assets (5)                                     219.4     231.4     240.1     250.8     257.5     259.8     251.5     259.2     260.6      271.0      268.0      269.0

  16  TOTAL ASSETS (6)                                   4,184.8   4,267.8   4,281.4   4,286.3   4,282.7   4,319.0   4,333.2   4,401.7   4,431.4    4,423.4    4,406.7    4,436.3

         L I A B I L I T I E S

  17  Deposits                                           2,664.1   2,702.0   2,717.9   2,725.3   2,740.9   2,776.8   2,808.4   2,863.0   2,887.0    2,896.2    2,886.5    2,895.6
  18    Transaction                                        782.3     742.8     743.5     734.8     720.4     724.7     718.0     735.3     755.7      735.4      729.9      736.4
  19    Nontransaction                                   1,881.8   1,959.3   1,974.4   1,990.5   2,020.5   2,052.1   2,090.4   2,127.7   2,131.3    2,160.8    2,156.7    2,159.1
  20       Large time                                      424.2     444.0     444.1     451.7     459.7     470.2     485.4     495.0     499.5      502.6      508.5      508.4
  21       Other                                         1,457.6   1,515.3   1,530.4   1,538.8   1,560.8   1,581.9   1,605.0   1,632.7   1,631.8    1,658.1    1,648.1    1,650.7

  22  Borrowings                                           681.8     717.4     721.9     714.8     709.4     711.4     674.3     695.1     702.8      690.1      679.6      717.0
  23    From banks in the U.S.                             294.5     303.9     305.5     293.3     289.1     288.5     284.9     296.9     300.6      306.7      302.2      308.8
  24    From others                                        387.4     413.5     416.4     421.5     420.3     423.0     389.4     398.2     402.2      383.4      377.4      408.3
  25    Net due to related foreign offices                 263.3     259.1     249.5     251.8     243.4     245.1     245.2     233.7     229.4      222.1      223.6      223.6

  26  Other liabilities                                    224.9     222.3     227.1     218.2     218.1     218.7     238.3     252.4     257.1      260.2      260.0      247.3

  27  TOTAL LIABILITIES                                  3,834.0   3,900.8   3,916.5   3,910.2   3,911.7   3,952.0   3,966.2   4,044.2   4,076.3    4,068.6    4,049.7    4,083.4

  28  Residual (assets less liabilities) (7)               350.8     367.0     365.0     376.2     371.0     367.0     367.0     357.5     355.1      354.8      357.0      352.8

                       MEMO
  29  Reval. gains on off-bal. sheet items (8)                --        --        --        --        --        --        --      75.1      74.7       76.0       74.3       72.1
  30  Reval. losses on off-bal. sheet items (8)               --        --        --        --        --        --        --      63.7      63.0       65.3       61.5       57.7

 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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        3,159.8   3,214.9   3,215.0   3,221.3   3,212.8   3,228.0   3,236.4   3,245.5   3,260.0    3,248.7    3,254.0    3,258.1

  2     Securities in bank credit                          854.9     845.7     838.1     836.2     823.7     822.5     821.6     822.4     826.6      821.5      825.3      826.4
  3        U.S. government securities                      647.1     635.4     629.4     628.3     620.2     619.9     618.4     617.5     617.8      615.6      617.0      620.1
  4        Other securities                                207.8     210.3     208.7     207.9     203.5     202.6     203.2     205.0     208.8      205.9      208.3      206.3

  5     Loans and leases in bank credit (2)              2,304.9   2,369.2   2,376.9   2,385.1   2,389.2   2,405.6   2,414.8   2,423.1   2,433.5    2,427.2    2,428.7    2,431.7
  6        Commercial and industrial                       534.6     548.2     548.4     550.6     552.7     560.5     563.2     564.6     567.8      566.9      567.4      567.5
  7        Real estate                                   1,040.0   1,066.5   1,070.3   1,072.5   1,078.6   1,080.6   1,082.3   1,085.9   1,090.7    1,089.2    1,089.2    1,090.1
  8          Revolving home equity                          78.9      79.7      79.3      79.9      80.6      81.2      82.3      83.5      83.9       84.7       84.7       84.8
  9          Other                                         961.2     986.8     990.9     992.6     998.0     999.4     999.9   1,002.4   1,006.8    1,004.5    1,004.5    1,005.3
  10        Consumer                                       491.1     504.9     510.4     513.4     514.7     518.3     518.0     520.2     520.6      520.9      521.6      521.9
  11        Security (3)                                    53.6      50.7      46.8      45.9      41.9      44.1      43.8      43.1      43.4       43.3       42.3       43.2
  12       Other loans and leases                          185.6     198.9     201.0     202.8     201.2     202.1     207.5     209.3     211.1      206.8      208.4      209.0

  13  Interbank loans                                      168.8     187.4     184.1     178.0     181.4     185.5     181.1     192.7     199.4      189.3      182.3      174.3

  14  Cash assets (4)                                      185.9     193.2     191.4     191.3     194.0     192.2     193.6     200.8     204.4      189.8      197.4      194.5

  15  Other assets (5)                                     173.7     187.6     200.7     210.9     215.5     220.2     218.2     225.5     227.5      234.5      231.6      235.0

  16  TOTAL ASSETS (6)                                   3,631.7   3,726.3   3,734.1   3,744.1   3,746.2   3,768.3   3,771.5   3,806.9   3,833.7    3,804.7    3,807.9    3,804.6

         L I A B I L I T I E S

  17  Deposits                                           2,479.2   2,539.9   2,549.5   2,552.4   2,572.8   2,591.8   2,605.0   2,641.9   2,672.2    2,653.6    2,655.1    2,643.5
  18    Transaction                                        759.1     744.3     739.3     731.3     723.7     716.1     709.0     712.9     736.9      700.8      710.2      692.6
  19    Nontransaction                                   1,720.1   1,795.6   1,810.2   1,821.1   1,849.0   1,875.7   1,896.1   1,929.0   1,935.4    1,952.9    1,944.9    1,950.9
  20       Large time                                      267.5     279.4     283.2     287.1     292.1     297.6     295.4     300.4     300.6      302.8      303.0      305.2
  21       Other                                         1,452.7   1,516.2   1,527.0   1,534.0   1,557.0   1,578.1   1,600.6   1,628.6   1,634.8    1,650.1    1,641.9    1,645.8

  22  Borrowings                                           566.0     585.7     583.2     581.3     586.5     597.3     568.0     574.7     577.2      554.9      551.0      577.2
  23    From banks in the U.S.                             259.8     270.3     270.7     264.4     264.9     270.3     260.9     259.5     260.2      247.3      241.1      250.8
  24    From others                                        306.2     315.4     312.5     316.9     321.6     327.1     307.1     315.2     317.0      307.5      309.9      326.4
  25    Net due to related foreign offices                  89.8      88.8      80.6      78.0      73.9      74.0      78.7      69.6      65.5       67.8       66.0       68.7

  26  Other liabilities                                    141.3     147.5     157.1     151.4     153.1     153.1     165.8     172.4     174.5      175.8      175.2      169.3

  27  TOTAL LIABILITIES                                  3,276.4   3,361.8   3,370.4   3,363.1   3,386.2   3,416.2   3,417.5   3,458.7   3,489.3    3,452.2    3,447.3    3,458.7

  28  Residual (assets less liabilities) (7)               355.3     364.4     363.7     381.0     360.0     352.1     354.1     348.2     344.4      352.5      360.6      345.9


 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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        3,169.5   3,215.3   3,215.3   3,213.5   3,209.7   3,230.5   3,238.5   3,252.4   3,263.7    3,258.1    3,256.1    3,268.0

  2     Securities in bank credit                          855.7     849.0     841.4     832.3     825.8     824.0     819.8     820.8     822.9      821.1      820.5      821.1
  3        U.S. government securities                      646.1     637.0     630.6     626.3     622.1     622.0     618.3     617.3     616.4      617.5      617.3      619.8
  4        Other securities                                209.6     212.0     210.8     206.0     203.6     202.0     201.5     203.5     206.5      203.6      203.2      201.4

  5     Loans and leases in bank credit (2)              2,313.8   2,366.3   2,373.8   2,381.2   2,383.9   2,406.5   2,418.7   2,431.6   2,440.8    2,436.9    2,435.6    2,446.9
  6        Commercial and industrial                       533.6     553.6     550.9     550.6     548.5     556.3     560.7     563.6     566.4      564.4      561.8      565.0
  7        Real estate                                   1,045.5   1,063.6   1,068.9   1,072.4   1,078.1   1,082.3   1,085.4   1,091.4   1,095.5    1,094.6    1,096.0    1,095.4
  8          Revolving home equity                          79.3      79.6      79.3      80.0      80.8      81.7      83.0      83.9      84.3       85.0       84.9       84.9
  9          Other                                         966.2     984.0     989.6     992.4     997.3   1,000.6   1,002.4   1,007.5   1,011.2    1,009.6    1,011.2    1,010.6
  10        Consumer                                       491.9     503.2     506.6     510.6     514.8     519.5     518.5     521.0     521.9      523.2      524.7      528.3
  11        Security (3)                                    55.5      49.6      47.0      44.6      41.0      44.0      44.0      44.5      45.0       44.2       43.4       45.3
  12        Other loans and leases                          187.3     196.3     200.4     203.0     201.5     204.5     210.1     211.1     212.0      210.6      209.6      212.9

  13  Interbank loans                                      172.8     180.8     182.1     175.3     176.5     179.4     177.9     196.2     197.0      203.2      193.4      188.9

  14  Cash assets (4)                                      190.3     191.0     188.6     188.6     183.8     192.2     194.0     205.6     212.2      198.5      194.4      210.1

  15  Other assets (5)                                     172.4     187.9     200.5     212.2     216.4     221.3     218.7     223.5     224.4      233.2      228.2      233.5

  16  TOTAL ASSETS (6)                                   3,648.4   3,718.1   3,729.3   3,732.5   3,728.9   3,765.6   3,771.6   3,820.0   3,839.5    3,835.0    3,814.2    3,842.7

         L I A B I L I T I E S

  17  Deposits                                           2,494.2   2,528.2   2,544.1   2,547.8   2,562.1   2,591.1   2,604.5   2,654.6   2,674.9    2,678.5    2,665.1    2,667.5
  18    Transaction                                        772.6     732.7     733.1     724.1     710.2     714.5     707.1     724.5     745.2      724.2      719.2      724.7
  19    Nontransaction                                   1,721.6   1,795.5   1,811.0   1,823.6   1,852.0   1,876.6   1,897.4   1,930.1   1,929.7    1,954.3    1,945.9    1,942.9
  20       Large time                                      267.2     282.7     283.1     287.2     293.4     296.9     294.9     300.0     300.1      300.7      300.0      299.6
  21       Other                                         1,454.4   1,512.8   1,528.0   1,536.4   1,558.5   1,579.6   1,602.5   1,630.1   1,629.5    1,653.6    1,645.8    1,643.3

  22  Borrowings                                           576.2     584.2     587.5     584.2     575.8     587.9     561.2     572.6     571.8      566.9      556.5      594.5
  23    From banks in the U.S.                             263.2     268.8     271.0     261.1     254.0     255.0     253.1     260.4     256.0      266.1      261.0      270.1
  24    From others                                        313.0     315.5     316.5     323.1     321.8     332.9     308.1     312.1     315.9      300.8      295.5      324.4
  25    Net due to related foreign offices                  88.4      93.8      79.3      76.9      72.2      70.8      77.9      67.9      68.6       64.3       65.4       65.4

  26  Other liabilities                                    142.9     149.0     157.5     151.4     151.7     153.0     165.8     172.4     174.5      175.8      175.2      169.3

  27  TOTAL LIABILITIES                                  3,301.7   3,355.2   3,368.4   3,360.3   3,361.9   3,402.8   3,409.3   3,467.6   3,489.7    3,485.6    3,462.1    3,496.7

  28  Residual (assets less liabilities) (7)               346.6     362.9     360.9     372.2     367.0     362.8     362.3     352.4     349.8      349.4      352.0      346.0

                        MEMO
  29  Reval. gains on off-bal. sheet items (8)                --        --        --        --        --        --        --      35.0      35.0       35.2       34.8       33.7
  30  Reval. losses on off-bal. sheet items (8)               --        --        --        --        --        --        --      30.9      30.6       31.4       29.8       27.3
  31  Mortgage-backed securities (9)                          --        --        --        --        --        --        --     239.9     239.6      240.7      239.7      241.9

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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        1,818.7   1,824.4   1,814.2   1,808.3   1,790.8   1,798.5   1,801.1   1,802.6   1,812.3    1,805.0    1,805.9    1,807.7

  2     Securities in bank credit                          453.0     434.1     425.4     421.3     408.6     406.7     406.3     408.8     413.3      408.8      410.0      411.2
  3        U.S. government securities                      323.1     303.9     296.5     293.3     285.1     284.2     284.0     284.8     285.4      283.6      282.5      285.9
  3a         Trading account                                21.0      21.5      20.9      20.8      19.5      20.6      21.3      21.8      22.5       22.5       22.8       22.2
  3b         Investment account                            302.2     282.4     275.6     272.5     265.6     263.6     262.7     263.0     262.9      261.0      259.7      263.7
  4        Other securities                                129.9     130.2     128.9     128.0     123.5     122.5     122.3     124.0     127.8      125.2      127.5      125.3
  4a         Trading account                                59.1      59.9      58.4      59.6      57.7      57.1      55.7      57.8      61.0       58.3       60.0       57.4
  4b         Investment account                             70.7      70.3      70.5      68.3      65.8      65.4      66.6      66.2      66.9       66.9       67.5       67.9
  4c         State and local government                     22.0      21.0      20.6      20.6      20.5      20.3      20.2      20.2      20.1       20.2       20.3       20.4
  4d         Other                                          48.7      49.3      49.9      47.7      45.3      45.1      46.4      46.0      46.8       46.7       47.3       47.4
  5     Loans and leases in bank credit (2)              1,365.7   1,390.3   1,388.8   1,387.0   1,382.3   1,391.8   1,394.8   1,393.8   1,399.0    1,396.2    1,395.9    1,396.5
  6        Commercial and industrial                       368.5     374.0     372.7     373.4     373.5     379.3     380.8     380.5     382.8      382.4      382.5      382.2
  7        Real estate                                     555.6     559.1     558.1     554.8     555.7     554.4     552.6     552.4     555.1      554.3      552.9      553.2
  8          Revolving home equity                          51.9      52.2      51.8      52.1      52.3      52.4      52.5      53.2      53.4       54.3       54.3       54.5
  9          Other                                         503.7     506.9     506.3     502.7     503.5     502.0     500.1     499.2     501.6      500.0      498.5      498.7
  10       Consumer                                        269.4     276.0     279.3     279.6     279.8     282.1     279.1     279.0     278.0      280.5      280.8      279.8
  11       Security (3)                                     48.2      45.4      41.5      40.8      36.8      38.9      38.7      37.8      37.9       37.9       37.0       38.0
  12a      State and local government                       11.6      11.2      11.1      11.2      11.1      10.8      10.8      11.1      11.2       11.3       11.5       11.2
  12b      All other                                       112.4     124.6     126.1     127.3     125.4     126.3     132.6     132.9     134.0      129.7      131.3      132.0

  13  Interbank loans                                      114.9     135.2     131.8     129.8     131.8     133.9     130.1     137.8     142.8      133.1      127.7      120.0

  14  Cash assets (4)                                      123.9     127.0     124.7     126.7     128.3     127.1     127.6     133.2     134.7      122.7      129.8      130.2

  15  Other assets (5)                                     123.4     138.9     150.1     155.0     159.1     162.1     159.2     164.7     164.4      172.1      170.1      170.3

  16  TOTAL ASSETS (6)                                   2,144.5   2,189.2   2,184.4   2,182.9   2,173.3   2,184.9   2,181.3   2,202.1   2,218.0    2,196.6    2,197.4    2,192.1

         L I A B I L I T I E S

  17  Deposits                                           1,293.3   1,331.8   1,332.2   1,336.6   1,340.6   1,344.8   1,350.8   1,361.6   1,378.9    1,364.1    1,364.5    1,351.8
  18    Transaction                                        425.9     416.7     409.9     407.9     399.7     390.1     384.9     384.9     399.9      374.6      382.0      368.3
  19    Nontransaction                                     867.5     915.1     922.3     928.7     940.9     954.7     965.9     976.8     978.9      989.5      982.6      983.5
  20       Large time                                      125.4     130.4     134.3     136.3     139.3     145.3     151.9     153.8     153.2      154.4      154.1      155.5
  21       Other                                           742.1     784.7     788.0     792.4     801.6     809.3     814.0     822.9     825.7      835.1      828.5      828.0

  22  Borrowings                                           427.3     434.3     426.3     415.4     413.7     424.8     401.2     407.1     408.7      392.4      390.9      412.8
  23    From banks in the U.S.                             181.7     185.4     184.5     182.6     180.5     184.1     171.3     175.0     174.5      169.6      166.1      174.0
  24    From others                                        245.6     248.9     241.8     232.9     233.2     240.8     229.9     232.1     234.3      222.8      224.8      238.8
  25    Net due to related foreign offices                  84.2      84.0      75.2      72.2      69.5      68.2      75.4      67.3      62.9       66.2       63.6       66.4

  26  Other liabilities                                    112.9     118.3     128.8     122.3     124.9     126.5     141.0     149.2     151.6      153.3      152.3      147.2

  27  TOTAL LIABILITIES                                  1,917.8   1,968.4   1,962.6   1,946.5   1,948.7   1,964.3   1,968.4   1,985.3   2,002.1    1,976.1    1,971.4    1,978.2

  28  Residual (assets less liabilities) (7)               226.8     220.8     221.9     236.4     224.6     220.6     212.9     216.8     215.9      220.5      226.0      213.9

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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        1,827.0   1,823.5   1,812.5   1,800.6   1,788.6   1,797.7   1,802.0   1,808.1   1,814.2    1,813.8    1,807.1    1,815.4

  2     Securities in bank credit                          456.0     435.2     426.4     418.0     412.1     408.4     406.6     409.0     410.7      411.0      407.3      407.0
  3        U.S. government securities                      324.6     303.6     295.4     291.7     288.4     286.4     285.9     286.5     285.6      288.0      284.6      286.6
  3a         Trading account                                22.0      21.3      19.6      19.9      20.9      21.0      22.0     22.8      22.4       24.5       22.9       22.1
  3b         Investment account                            302.6     282.3     275.8     271.8     267.5     265.4     263.9     263.8     263.2      263.4      261.7      264.5
  4        Other securities                                131.4     131.6     131.0     126.4     123.7     122.0     120.6     122.5     125.1      123.0      122.7      120.4
  4a         Trading account                                59.8      61.7      61.1      58.7      57.8      56.2      53.5      55.4      57.3       55.5       54.9       52.5
  4b         Investment account                             71.6      69.9      69.9      67.7      65.9      65.8      67.1      67.1      67.8       67.5       67.7       67.9
  4c         State and local government                     22.2      21.1      20.7      20.3      20.3      20.3      20.2      20.3      20.3       20.3       20.3       20.4
  4d         Other                                          49.5      48.8      49.2      47.4      45.6      45.5      46.9      46.8      47.6       47.2       47.4       47.5
  5     Loans and leases in bank credit (2)              1,371.0   1,388.3   1,386.1   1,382.6   1,376.5   1,389.3   1,395.5   1,399.1   1,403.5    1,402.8    1,399.8    1,408.4
  6        Commercial and industrial                       368.2     377.6     373.8     373.2     370.6     376.2     379.2     380.3     382.2      380.8      378.1      380.5
  7        Real estate                                     558.5     557.0     556.8     554.6     555.2     554.6     553.9     555.4     557.3      557.7      557.5      556.7
  8          Revolving home equity                          52.2      52.1      51.7      52.1      52.4      52.8      52.9      53.5      53.7       54.5       54.4       54.5
  9          Other                                         506.2     504.9     505.2     502.5     502.8     501.9     500.9     501.9     503.6      503.2      503.1      502.2
  10       Consumer                                        269.6     274.8     276.9     277.2     279.5     281.8     279.1     279.3     278.5      281.8      283.0      284.6
  11       Security (3)                                     49.8      44.5      41.8      39.7      35.9      38.8      38.9      38.9      39.5       38.4       37.7       39.8
  12a      State and local government                       11.6      11.2      11.1      11.2      11.2      10.9      10.9      11.1      11.2       11.3       11.4       11.2
  12b      All other                                       113.3     123.2     125.6     126.6     124.2     127.0     133.5     134.0     134.7      132.8      132.1      135.6

  13  Interbank loans                                      114.2     131.7     132.9     129.6     127.6     129.3     126.0     137.0     139.5      139.8      132.3      131.6

  14  Cash assets (4)                                      126.0     125.4     123.6     124.4     120.5     127.3     127.3     135.7     139.6      128.7      127.3      142.9

  15  Other assets (5)                                     122.6     139.4     151.1     156.4     159.7     162.5     159.2     163.4     163.1      171.3      168.9      170.3

  16  TOTAL ASSETS (6)                                   2,153.2   2,183.7   2,183.7   2,174.4   2,159.7   2,180.0   2,178.0   2,207.7   2,220.0    2,217.0    2,199.0    2,223.8

         L I A B I L I T I E S

  17  Deposits                                           1,302.1   1,323.9   1,330.4   1,333.2   1,333.9   1,344.8   1,348.1   1,368.9   1,381.3    1,379.2    1,369.3    1,369.8
  18    Tranlgdtion                                        433.9     408.8     407.0     402.4     389.9     390.2     382.3     391.9     407.1      388.5      385.7      391.6
  19    Nontranlgdtion                                     868.2     915.1     923.5     930.9     944.0     954.6     965.8     977.0     974.2      990.7      983.7      978.2
  20       Large time                                      125.1     132.8     134.3     136.7     140.8     144.6     151.0     153.5     153.0      153.3      152.2      151.7
  21       Other                                           743.1     782.3     789.1     794.2     803.1     810.0     814.8     823.5     821.3      837.4      831.5      826.5

  22  Borrowings                                           435.4     430.7     429.1     421.0     408.8     418.8     396.8     405.9     403.1      401.9      393.9      425.2
  23    From banks in the U.S.                             184.8     182.9     183.9     181.9     174.7     173.7     166.7     176.5     171.3      183.8      180.6      187.4
  24    From others                                        250.7     247.7     245.2     239.1     234.1     245.0     230.1     229.4     231.7      218.1      213.2      237.8
  25    Net due to related foreign offices                  83.0      89.2      74.1      71.2      67.8      65.0      74.5      65.8      66.3       63.0       63.0       63.0

  26  Other liabilities                                    114.6     120.1     129.2     122.5     123.5     126.2     141.0     149.2     151.6      153.3      152.3      147.2

  27  TOTAL LIABILITIES                                  1,935.1   1,963.9   1,962.8   1,948.0   1,934.1   1,954.7   1,960.5   1,989.7   2,002.3    1,997.4    1,978.5    2,005.2

  28  Residual (assets less liabilities) (7)               218.1     219.8     220.8     226.5     225.6     225.3     217.5     218.0     217.7      219.6      220.5      218.5

                        MEMO
  29  Reval. gains on off-bal. sheet itens(8)                 --        --        --        --        --        --        --      35.0      35.0       35.2       34.8       33.7
  30  Reval. losses on off-bal. sheet itens (8)               --        --        --        --        --        --        --      30.9      30.6       31.4       29.8       27.3
  31  Mortgage-backed securities (9)                          --        --        --        --        --        --        --     188.9     188.6      189.5      188.2      190.4

 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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        1,341.1   1,390.5   1,400.8   1,413.0   1,422.0   1,429.5   1,435.3   1,442.9   1,447.8    1,443.7    1,448.1    1,450.5

  2     Securities in bank credit                          401.9     411.6     412.7     415.0     415.1     415.8     415.2     413.6     413.3      412.7      415.3      415.2
  3        U.S. government securities                      323.9     331.4     332.9     335.0     335.1     335.8     334.4     332.7     332.3      332.0      334.5      334.2
  4        Other securities                                 77.9      80.1      79.8      80.0      80.0      80.0      80.9      80.9      80.9       80.7       80.8       81.0

  5     Loans and leases in bank credit (2)                939.2     978.9     988.1     998.0   1,006.9   1,013.7   1,020.0   1,029.3   1,034.5    1,031.0    1,032.9    1,035.2
  6        Commercial and industrial                       166.1     174.2     175.7     177.2     179.2     181.2     182.4     184.1     184.9      184.6      185.0      185.3
  7        Real estate                                     484.4     507.4     512.2     517.6     522.9     526.1     529.6     533.5     535.6      535.0      536.3      536.9
  8          Revolving home equity                          27.0      27.5      27.5      27.8      28.3      28.7      29.8      30.3      30.5       30.4       30.4       30.3
  9          Other                                         457.4     479.9     484.6     489.9     494.6     497.4     499.8     503.2     505.2      504.5      505.9      506.6
  10       Consumer                                        221.7     228.9     231.1     233.8     234.9     236.2     238.9     241.2     242.6      240.4      240.7      242.1
  11       Security (3)                                      5.4       5.3       5.3       5.1       5.2       5.2       5.1       5.3       5.5        5.4        5.3        5.2
  12       Other loans and leases                          61.6      63.2      63.9      64.3      64.8      65.0      64.1      65.2      65.9       65.7       65.6       65.7

  13  Interbank loans                                       53.8      52.2      52.3      48.2      49.7      51.6      51.1      54.8      56.5       56.2       54.6       54.4

  14  Cash assets (4)                                       61.9      66.2      66.7      64.7      65.7      65.1      66.0      67.5      69.8       67.0       67.6       64.3

  15  Other assets (5)                                      50.3      48.7      50.6      55.9      56.4      58.1      59.0      60.7      63.0       62.4       61.5       64.7

  16  TOTAL ASSETS (6)                                   1,487.1   1,537.0   1,549.7   1,561.2   1,573.0   1,583.4   1,590.2   1,604.8   1,615.7    1,608.1    1,610.5    1,612.4

         L I A B I L I T I E S

  17  Deposits                                           1,185.9   1,208.1   1,217.2   1,215.8   1,232.2   1,247.0   1,254.3   1,280.3   1,293.4    1,289.5    1,290.6    1,291.7
  18    Transaction                                        333.2     327.6     329.4     323.4     324.1     325.9     324.1     328.0     336.9      326.2      328.3      324.2
  19    Nontransaction                                     852.6     880.5     887.9     892.4     908.1     921.1     930.2     952.3     956.5      963.3      962.4      967.4
  20       Large time                                      142.1     149.0     148.9     150.7     152.8     152.3     143.5     146.5     147.3      148.4      148.9      149.7
  21       Other                                           710.5     731.5     739.0     741.6     755.4     768.8     786.6     805.7     809.1      814.9      813.5      817.8

  22  Borrowings                                           138.7     151.4     156.9     165.9     172.8     172.5     166.8     167.6     168.5      162.5      160.1      164.3
  23    From banks in the U.S.                              78.1      84.9      86.3      81.9      84.4      86.2      89.6      84.5      85.7       77.7       74.9       76.8
  24    From others                                         60.6      66.5      70.6      84.0      88.4      86.3      77.2      83.1      82.7       84.7       85.2       87.5
  25    Net due to related foreign offices                   5.6       4.7       5.4       5.8       4.4       5.8       3.3       2.3       2.6        1.6        2.4        2.3

  26  Other liabilities                                     28.5      29.2      28.3      29.1      28.2      26.6      24.7      23.2      22.9       22.5       22.9       22.2

  27  TOTAL LIABILITIES                                  1,358.6   1,393.4   1,407.9   1,416.6   1,437.5   1,451.9   1,449.1   1,473.4   1,487.3    1,476.1    1,475.9    1,480.4

  28  Residual (assets less liabilities) (7)               128.5     143.6     141.8     144.6     135.4     131.5     141.2     131.4     128.5      132.0      134.6      132.0


 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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        1,342.5   1,391.9   1,402.7   1,412.9   1,421.0   1,432.8   1,436.5   1,444.3   1,449.4    1,444.3    1,449.0    1,452.6

  2     Securities in bank credit                          399.7     413.8     415.0     414.3     413.6     415.6     413.3     411.8     412.2      410.1      413.2      414.1
  3        U.S. government securities                      321.5     333.5     335.3     334.6     333.7     335.6     332.4     330.7     330.8      329.6      332.7      333.2
  4        Other securities                                 78.2      80.3      79.8      79.6      79.9      80.1      80.8      81.1      81.4       80.6       80.6       80.9

  5     Loans and leases in bank credit (2)                942.7     978.0     987.7     998.6   1,007.4   1,017.2   1,023.2   1,032.5   1,037.2    1,034.2    1,035.7    1,038.5
  6        Commercial and industrial                       165.4     176.0     177.1     177.3     177.9     180.1     181.6     183.3     184.1      183.5      183.7      184.5
  7        Real estate                                     487.0     506.6     512.1     517.8     522.9     527.7     531.5     536.0     538.2      536.9      538.5      538.7
  8          Revolving home equity                          27.1      27.5      27.6      27.9      28.4      29.0      30.0      30.4      30.5       30.5       30.4       30.3
  9          Other                                         459.9     479.1     484.5     489.9     494.5     498.7     501.5     505.6     507.7      506.4      508.1      508.4
  10       Consumer                                        222.3     228.4     229.7     233.4     235.3     237.7     239.4     241.7     243.4      241.4      241.7      243.7
  11       Security (3)                                      5.7       5.1       5.2       4.9       5.1       5.1       5.1       5.6       5.5        5.8        5.7        5.5
  12       Other loans and leases                           62.4      61.9      63.7      65.2      66.1      66.6      65.7      65.9      66.0       66.5       66.1       66.1

  13  Interbank loans                                       58.6      49.1      49.2      45.7      49.0      50.1      52.0      59.2      57.5       63.4       61.1       57.3

  14  Cash assets (4)                                       64.3      65.6      65.0      64.2      63.3      64.9      66.7      69.9      72.6       69.7       67.1       67.2

  15  Other assets (5)                                      49.8      48.5      49.4      55.8      56.7      58.8      59.5      60.1      61.3       61.9       59.3       63.2

  16  TOTAL ASSETS (6)                                   1,495.2   1,534.4   1,545.6   1,558.0   1,569.2   1,585.6   1,593.6   1,612.3   1,619.5    1,618.0    1,615.2    1,619.0

         L I A B I L I T I E S

  17  Deposits                                           1,192.1   1,204.2   1,213.7   1,214.5   1,228.2   1,246.3   1,256.3   1,285.8   1,293.6    1,299.3    1,295.7    1,297.7
  18    Transaction                                        338.6     323.8     326.1     321.8     320.2     324.3     324.8     332.6     338.1      335.7      333.6      333.1
  19    Nontransaction                                     853.5     880.4     887.6     892.8     908.0     922.0     931.5     953.1     955.4      963.6      962.2      964.6
  20       Large time                                      142.2     149.8     148.8     150.5     152.6     152.4     143.8     146.5     147.2      147.4      147.9      147.9
  21       Other                                           711.3     730.5     738.8     742.3     755.4     769.7     787.7     806.6     808.3      816.2      814.3      816.8

  22  Borrowings                                           140.8     153.6     158.4     163.2     167.0     169.1     164.4     166.6     168.8      165.0      162.6      169.3
  23    From banks in the U.S.                              78.4      85.8      87.1      79.2      79.3      81.2      86.4      84.0      84.6       82.4       80.3       82.7
  24    From others                                         62.3      67.7      71.3      84.0      87.7      87.8      78.0      82.7      84.1       82.7       82.3       86.5
  25    Net due to related foreign offices                   5.4       4.6       5.2       5.7       4.4       5.9       3.4       2.2       2.2        1.3        2.3        2.3

  26  Other liabilities                                     28.3      28.9      28.3      28.9      28.2      26.8      24.7      23.2      22.9       22.5       22.9       22.2

  27  TOTAL LIABILITIES                                  1,366.6   1,391.3   1,405.6   1,412.3   1,427.8   1,448.1   1,448.8   1,477.8   1,487.4    1,488.2    1,483.6    1,491.5

              MEMO
  28  Residual (assets less liabilities) (7)               128.5     143.1     140.1     145.8     141.5     137.5     144.8     134.4     132.1      129.8      131.6      127.4
  31  Mortgage-backed securities (9)                          --        --        --        --        --        --        --      51.0      51.0       51.2       51.4       51.5


 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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                          439.1     459.9     466.9     466.9     465.6     464.6     483.2     503.9     518.9      505.4      512.2      508.6

  2     Securities in bank credit                          144.2     151.6     152.4     148.4     149.5     144.8     146.8     163.9     170.8      169.4      170.7      167.7
  3        U.S. government securities                       67.1      77.8      79.0      79.3      81.1      82.3      82.5      88.3      92.4       88.0       87.8       87.3
  4        Other securities                                 77.2      73.7      73.4      69.1      68.4      62.5      64.4      75.7      78.4       81.4       82.9       80.4

  5     Loans and leases in bank credit (2)                294.9     308.3     314.5     318.5     316.1     319.8     336.4     339.9     348.1      336.0      341.5      340.9
  6        Commercial and industrial                       179.0     187.2     190.0     192.4     191.7     198.5     207.0     210.5     212.7      212.0      218.3      217.9
  7        Real estate                                      36.7      33.5      33.2      33.1      33.1      32.8      33.4      33.4      33.5       33.1       33.3       33.1
  11       Security (3)                                     32.7      31.3      34.7      33.2      30.8      29.3      34.8      35.6      40.9       31.4       29.7       31.3
  12       Other loans and leases                           46.5      56.4      56.5      59.8      60.5      59.2      61.2      60.4      61.0       59.5       60.3       58.6

  13  Interbank loans                                       25.0      23.3      24.3      19.3      16.9      19.6      18.5      20.4      16.1       20.7       15.4       23.5

  14  Cash assets (4)                                       30.2      26.3      25.7      27.7      27.8      27.8      28.7      30.7      31.2       32.5       32.0       31.6

  15  Other assets (5)                                      46.2      42.9      39.8      39.1      40.2      38.3      33.0      35.2      35.6       37.2       38.6       35.3

  16  TOTAL ASSETS (6)                                     540.5     552.3     556.6     552.9     550.4     550.2     563.3     590.0     601.6      595.5      598.1      598.8

         L I A B I L I T I E S

  17  Deposits                                             168.9     172.4     171.7     179.8     180.5     185.8     205.6     206.4     210.1      216.1      217.9      224.3
  18    Transaction                                          9.7      10.8      10.7      10.6      10.3       9.6      10.7      10.7      10.4       11.1       10.6       10.9
  19    Nontransaction                                     159.3     161.7     161.0     169.2     170.1     176.2     195.0     195.7     199.7      205.0      207.4      213.4
  20       Large time                                      155.7     159.2     161.0     166.8     168.4     173.8     191.9     193.2     196.8      199.0      203.3      204.0
  21       Other                                             3.6       2.5       0.0       2.4       1.7       2.3       3.1       2.5       2.9        5.9        4.1        9.4

  22  Borrowings                                           108.0     136.3     130.2     124.9     131.7     121.8     115.7     126.3     139.4      122.1      124.2      122.6
  23    From banks in the U.S.                              31.6      37.1      32.7      30.8      35.5      33.6      33.9      37.1      46.7       39.0       39.3       36.0
  24    From others                                         76.4      99.2      97.5      94.0      96.2      88.2      81.7      89.2      92.8       83.1       84.9       86.7
  25    Net due to related foreign offices                 174.6     168.1     176.6     175.6     170.5     174.9     165.1     166.8     151.0      165.3      160.8      162.2

  26  Other liabilities                                     81.5      72.2      69.2      67.3      65.5      65.5      72.6      80.0      82.7       84.4       84.8       78.0

  27  TOTAL LIABILITIES                                    533.0     549.0     547.7     547.5     548.2     548.0     559.0     579.5     583.2      587.9      587.8      587.2

  28  Residual (assets less liabilities) (7)                 7.5       3.4       9.0       5.4       2.2       2.2       4.3      10.5      18.5        7.7       10.3       11.7


 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
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov      Nov 27      Dec 4     Dec 11     Dec 18
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                         435.5     457.0     463.7     467.9     467.9     466.2     480.0     496.1     508.0      498.3      506.0      503.5

  2     Securities in bank credit                         142.1     153.3     150.4     149.2     151.7     146.0     147.9     157.9     162.6      161.8      160.0      157.3
  3        U.S. government securities                      66.3      77.0      78.0      79.0      82.4      81.7      81.8      87.2      90.1       87.1       86.4       85.8
  3a         Trading account                                 --        --        --        --        --        --      18.6      21.8      24.3       22.5       20.7       19.3
  3b         Investment account                              --        --        --        --        --        --      63.2      65.4      65.8       64.7       65.6       66.5
  4        Other securities                                75.8      76.3      72.5      70.2      69.3      64.3      66.1      70.7      72.5       74.7       73.7       71.5
  4a         Trading account                                 --        --        --        --        --        --      46.1      49.7      51.6       53.7       52.3       50.0
  4b         Investment account                              --        --        --        --        --        --      20.0      21.0      20.9       21.0       21.3       21.5
  5     Loans and leases in bank credit (2)               293.5     303.7     313.2     318.7     316.3     320.2     332.1     338.2     345.4      336.5      346.0      346.2
  6        Commercial and industrial                      178.4     187.1     190.5     193.5     192.6     197.7     204.9     209.7     212.6      211.2      215.9      216.9
  7        Real estate                                     36.9      33.3      33.1      33.0      33.1      33.0      33.4      33.6      33.7       33.4       33.4       33.0
  11       Security (3)                                    32.2      28.3      32.5      32.0      29.8      29.1      32.9      34.7      38.4       31.4       34.7       35.3
  12       Other loans and leases                          46.0      54.9      57.1      60.1      60.7      60.4      60.9      60.2      60.7       60.6       62.0       61.1

  13  Interbank loans                                      24.2      23.4      22.4      19.2      16.4      20.2      19.8      19.8      17.3       20.9       15.8       23.7

  14  Cash assets (4)                                      29.8      25.9      26.6      28.2      28.5      28.7      29.1      30.3      30.6       31.5       31.1       31.0

  15  Other assets (5)                                     47.0      43.5      39.6      38.6      41.1      38.5      32.8      35.7      36.2       37.8       39.8       35.5

  16  TOTAL ASSETS (6)                                    536.5     549.8     552.1     553.8     553.9     553.5     561.6     581.7     591.9      588.3      592.6      593.6

         L I A B I L I T I E S

  17  Deposits                                            169.9     173.9     173.8     177.5     178.8     185.7     203.9     208.4     212.1      217.6      221.4      228.0
  18    Transaction                                         9.7      10.1      10.4      10.6      10.3      10.2      10.8      10.8      10.5       11.2       10.6       11.7
  19    Nontransaction                                    160.2     163.8     163.4     166.9     168.5     175.5     193.0     197.6     201.6      206.5      210.8      216.3
  20       Large time                                     156.9     161.3     161.0     164.5     166.3     173.2     190.6     195.1     199.3      202.0      208.5      208.9
  21       Other                                            3.2       2.4       2.4       2.4       2.3       2.3       2.5       2.5       2.3        4.5        2.3        7.4

  22  Borrowings                                          105.6     133.2     134.4     130.6     133.6     123.6     113.2     122.6     130.9      123.2      123.1      122.5
  23    From banks in the U.S.                             31.3      35.1      34.5      32.2      35.1      33.5      31.8      36.5      44.6       40.6       41.2       38.6
  24    From others                                        74.4      98.1      99.9      98.4      98.5      90.1      81.4      86.1      86.3       82.6       81.9       83.9
  25    Net due to related foreign offices                174.8     165.3     170.2     175.0     171.2     174.3     167.2     165.7     160.9      157.8      158.2      158.2

  26  Other liabilities                                    81.9      73.3      69.7      66.8      66.4      65.7      72.6      80.0      82.7       84.4       84.8       78.0

  27  TOTAL LIABILITIES                                   532.3     545.7     548.1     549.9     549.9     549.2     556.8     576.6     586.5      583.0      587.5      586.7

  28  Residual (assets less liabilities) (7)                4.2       4.1       4.1       4.0       4.0       4.2       4.7       5.1       5.4        5.3        5.0        6.9

                    MEMO
  29  Reval. gains on off-bal. sheet items (8)               --        --        --        --        --        --        --      40.1      39.7       40.8       39.5       38.5
  30  Reval. losses on off-bal. sheet items (8)              --        --        --        --        --        --        --      32.8      32.4       33.9       31.7       30.4



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.  Data are as of  December 18, 1996.
                                                                            Federal Reserve Distict
                                                   National ___________________________________________________________
                                                    total         Boston    New York    Philadelphia   Cleveland  Richmond    Atlanta
               ASSETS
  1  Bank credit                                      1,815.4        89.4       346.3       102.0       161.1       177.3       205.1
  2     Securities in bank credit (14)                  407.0
  3        U.S. government securities (14)              286.6
  3a         Trading account (14)                        22.1
  3b         Investment account                         264.5        15.7        80.8         5.1        25.7        27.4        26.1
  3c           Mortgage-backed                          162.5         6.7        55.1         2.1        14.6        15.1        15.6
  3d           Other                                    102.0         9.0        25.6         3.0        11.0        12.3        10.5
  3e             1 year or less                          26.9         3.4         4.1         1.6         1.3         3.7         2.6
  3f             Between 1 and 5 years                   57.1         4.9        15.3         1.1         4.8         7.4         6.8
  3g             More than 5 years                       18.0         0.7         6.2         0.3         5.0         1.2         1.2
  4        Other securities (14)                        120.4
  4a         Trading account (14)                        52.5
  4b         Investment account                          67.9         5.2        19.8         2.1         5.9         4.5        10.7
  4c           State and local government                20.4         1.8         6.6         0.6         0.8         1.0         2.0
  4d           Other                                     47.5         3.4        13.2         1.5         5.1         3.5         8.6
  5     Loans and leases in bank credit (2)           1,408.4        68.5       245.8        94.8       129.5       145.4       168.4
  6        Commerical and industrial                    380.5        25.7        64.6        14.9        39.0        34.0        36.9
  6a         Bankers accep and commercial paper           1.9         0.1         0.7         0.0         0.0         0.1         0.0
  6b         Other                                      378.5        25.6        63.9        14.9        38.9        34.0        36.9
  7        Real estate                                  556.7        20.6        96.1        25.3        48.4        74.0        82.2
  8          Revolving home equtiy                       54.5         3.2         7.7         3.1         5.7         6.8         5.8
  9a         Other residential                          322.9         9.0        60.4        17.6        30.4        46.5        49.3
  9b         Commercial                                 179.3         8.4        28.1         4.6        12.3        20.7        27.2
  10       Consumer                                     284.6         7.1        34.0        48.0        27.6        19.8        36.4
  11       Security (3)                                  39.8         6.0        17.6         0.1         1.1         4.2         1.5
  11a        Fed funds and RPs with broker/dealer        22.3         5.5         8.0         0.0         0.1         4.0         1.1
  11b        Other                                       17.5         0.5         9.7         0.1         1.1         0.2         0.4
  12a      State and local government                    11.2         0.2         1.6         0.7         1.3         2.2         2.1
  12b      Agricultural                                   7.5         0.0         0.2         0.1         0.2         0.5         0.5
  12c      Fed funds and RPs with others                  4.5         0.4         1.7         0.0         0.0         1.1         0.4
  12d      All other loans                               63.0         3.9        17.1         1.5         3.3         4.8         3.7
  12e      Lease financing receivables                   60.6         4.6        12.8         4.0         8.6         4.8         4.6
  13    Interbank loans                                 131.6         5.0        49.6         3.2         9.4        11.0        13.1
  13a     Fed funds and RPs with banks                   79.5         2.1        29.5         3.0         5.0         7.5         7.8
  13b     Other                                          52.1         2.9        20.1         0.1         4.4         3.6         5.3
  14    Cash assets(4)                                  142.9         7.4        32.5         5.6         8.9        10.6        14.0
  15    Other assets (12)                               199.5        16.6       108.9        13.4        13.4        30.0        15.6
  16    TOTAL ASSETS (6)                              2,252.9       116.8       524.5       122.0       190.0       226.7       244.9

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.  Data are as of  December 18, 1996.

                                                                            Federal Reserve Distict
                                                   National ___________________________________________________________
                                                    total         Boston    New York   Philadelphia  Cleveland  Richmond    Atlanta

  17  Deposits                                        1,369.8        67.3       276.4        68.1       121.0       124.1       174.2
  18   Transaction                                      391.6        22.8        78.7        15.4        30.3        29.3        37.7
  19   Nontransaction                                   978.2        44.5       197.7        52.7        90.7        94.8       136.4
  20      Large time                                    151.7         7.2        39.8        11.0        10.6        12.6        19.7
  21      Other                                         826.5        37.3       158.0        41.7        80.1        82.2       116.8
  22  Borrowings                                        425.2        25.8        81.7        33.7        41.5        58.8        37.4
  23      From banks in the US                          187.4         8.1        26.6        17.3        15.8        29.0        21.4
  24      From others                                   237.8        17.7        55.1        16.5        25.7        29.8        16.1
  26  Other liabilities (13)                            239.3        13.4       101.2         8.5        11.7        27.6        12.9
  27  TOTAL LIABILITIES                               2,034.4       106.5       459.3       110.3       174.2       210.5       224.6

  28  Residual (assets less liabilities (13)            218.5        10.3        65.2        11.6        15.8        16.1        20.4

                        MEMO
  29  Reval. gains on off-bal. sheet items (8,14)        33.7
  30  Reval. losses on off-bal. sheet items (8,14)       27.3
  31  Mortgage-backed securities (9)                    190.4         8.0        60.1         3.2        20.1        16.7        21.6
  31a   Pass-through                                    131.3         6.0        47.2         1.7        12.7        13.4        13.2
  31b   CMO, REMIC and other                             59.1         1.9        12.9         1.5         7.5         3.3         8.4
  32  Net unrealized ganis (losses)                       2.8
         on available-for-sale securities (10,14)
  33  Offshore credit to  U.S. residents (11,14)         31.2

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.  Data are as of  December 18, 1996.

                                                                            Federal Reserve Distict
                                                   ______________________________________________________________________
                                                       Chicago   St.Louis  Minneapolis   Kansac City    Dallas     San Francisco
               ASSETS
  1  Bank credit                                        188.1        41.1         39.3         26.5         71.2        293.4
  2     Securities in bank credit (14)
  3        U.S. government securities (14)
  3a         Trading account (14)
  3b         Investment account (14)                     26.2         7.9          2.5          6.6         12.4         28.1
  3c           Mortgage-backed                           11.9         4.8          1.8          4.4         10.6         19.6
  3d           Other                                     14.3         3.1          0.7          2.2          1.9          8.5
  3e             1 year or less                           7.1         0.9          0.1          0.3          0.2          1.8
  3f             Between 1 and 5 years                    5.7         1.8          0.3          1.6          1.4          5.9
  3g             More than 5 years                        1.4         0.5          0.2          0.3          0.2          0.8
  4        Other securities (14)
  4a         Trading account (14)
  4b         Investment accout (14)                       6.8         1.7          0.7          1.0          2.1          7.4
  4c           State and local government                 3.7         0.8          0.2          0.5          0.7          1.7
  4d           Other                                      3.1         1.0          0.4          0.5          1.4          5.7
  5     Loans and leases in bank credit (2)             155.1        31.4         36.2         18.8         56.7        257.8
  6        Commerical and industrial                     65.3         8.2          8.3          5.1         24.1         54.3
  6a         Bankers accep and commercial paper           0.2         0.0          0.0          0.1          0.0          0.6
  6b         Other                                       65.1         8.2          8.3          5.0         24.1         53.6
  7        Real estate                                   48.5        15.2          8.2          6.7         14.8        116.5
  8          Revolving home equtiy                        4.9         1.2          0.4          0.4          0.3         15.0
  9a         Other residential                           19.2        10.2          5.5          3.7         10.0         61.3
  9b         Commercial                                  24.5         3.8          2.3          2.6          4.5         40.3
  10       Consumer                                      24.0         5.3         15.2          4.8         10.9         51.4
  11       Security (3)                                   3.2         0.4          1.2          0.0          1.1          3.4
  11a        Fed funds and RPs with broker/dealer         0.4         0.1          0.7          0.0          0.9          1.5
  11b        Other                                        2.8         0.3          0.5          0.0          0.2          1.8
  12a      State and local government                     1.2         0.2          0.1          0.1          0.1          1.2
  12b      Agricultural                                   0.5         0.1          0.2          0.5          0.2          4.6
  12c      Fed funds and RPs with others                  0.5         0.0          0.0          0.0          0.0          0.3
  12d      All other loans                                7.7         1.1          2.0          1.3          4.7         11.8
  12e      Lease financing receivables                    4.2         0.9          0.9          0.3          0.7         14.2
  13    Interbank loans                                   7.5         1.6          5.0          0.9          8.1         17.2
  13a     Fed funds and RPs with banks                    6.8         1.5          4.7          0.7          6.8          4.0
  13b     Other                                           0.7         0.1          0.3          0.3          1.2         13.2
  14    Cash assets(4)                                   16.4         3.4          2.7          2.6         11.8         26.9
  15    Other assets (12)                                21.3         3.2          2.6          1.3          6.8         41.1
  16    TOTAL ASSETS                                    230.2        48.8         48.8         31.0         97.1        372.3

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.  Data are as of  December 18, 1996.

                                                                            Federal Reserve Distict
                                                   ______________________________________________________________________
                                                   Chicago      St.Louis    Minneapolis  Kansas City   Dallas    San Francisco

  17  Deposits                                          140.0        29.8         23.0         23.6         68.3        254.0
  18   Transaction                                       41.8         7.2          7.7          6.5         21.7         92.4
  19   Nontransaction                                    98.2        22.6         15.3         17.1         46.6        161.6
  20      Large time                                     17.1         2.5          1.4          1.3          4.5         24.1
  21      Other                                          81.0        20.1         13.9         15.8         42.1        137.4
  22  Borrowings                                         43.7        13.1         18.3          4.2         15.7         51.2
  23      From banks in the US                           13.2         8.6         14.5          2.8          3.8         26.4
  24      From others                                    30.5         4.4          3.8          1.4         11.9         24.8
  26  Other liabilities (13)                             24.9         2.2          3.4          1.0          5.1         27.4

  27  TOTAL LIABILITIES                                 208.6        45.1         44.7         28.8         89.2        332.6

  28  Residual (assets less liabilities (13)             21.6         3.7          4.1          2.2          7.9         39.6

                     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)                     13.9         5.6          1.9          5.1         11.2         23.0
  31a   Pass-through                                      7.2         2.4          1.6          3.7          9.3         12.8
  31b   CMO, REMIC and other                              6.7         3.2          0.3          1.4          1.9         10.2
  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.



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