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 January 3, 1997 Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,598.8 3,674.2 3,681.3 3,687.7 3,678.0 3,692.6 3,720.4 3,747.8 3,752.8 3,764.4 3,762.5 3,783.1 2 Securities in bank credit 999.1 996.6 989.7 983.7 972.3 966.5 968.4 986.2 991.0 996.0 989.3 998.0 3 U.S. government securities 714.1 713.2 708.5 707.6 701.3 702.2 700.8 705.4 703.2 704.3 701.9 706.2 4 Other securities 285.0 283.4 281.3 276.1 271.0 264.3 267.6 280.8 287.8 291.7 287.4 291.8 5 Loans and leases in bank credit (2) 2,599.7 2,677.6 2,691.6 2,704.0 2,705.8 2,726.1 2,752.0 2,761.7 2,761.8 2,768.4 2,773.2 2,785.1 6 Commercial and industrial 713.6 735.3 738.5 743.0 744.4 759.0 770.2 774.8 778.5 785.3 785.5 788.4 7 Real estate 1,077.0 1,100.3 1,103.7 1,105.8 1,112.0 1,113.6 1,115.8 1,119.0 1,122.0 1,121.9 1,122.5 1,124.2 8 Revolving home equity 78.8 79.6 79.3 79.9 80.6 81.2 82.4 83.5 84.7 84.7 84.9 85.0 9 Other 998.2 1,020.6 1,024.5 1,025.9 1,031.4 1,032.4 1,033.4 1,035.5 1,037.2 1,037.2 1,037.6 1,039.2 10 Consumer 490.7 504.7 510.3 513.5 514.9 518.7 518.7 519.6 520.3 520.7 521.1 523.0 11 Security (3) 86.3 82.0 81.5 79.1 72.7 73.4 78.6 78.7 74.7 71.9 76.3 80.4 12 Other loans and leases 232.1 255.3 257.6 262.6 261.7 261.3 268.8 269.6 266.3 268.5 267.8 269.1 13 Interbank loans 193.7 210.7 208.4 197.3 198.3 205.0 199.6 213.0 209.6 197.6 198.5 202.5 14 Cash assets (4) 216.1 219.5 217.2 219.1 221.8 220.0 222.3 231.3 222.0 229.3 229.2 236.4 15 Other assets (5) 220.0 230.6 240.5 250.0 255.6 258.5 251.2 261.7 272.3 271.4 268.2 270.6 16 TOTAL ASSETS (6) 4,172.1 4,278.0 4,290.1 4,296.5 4,296.2 4,318.5 4,335.6 4,396.1 4,399.0 4,405.1 4,400.9 4,434.9 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 2,810.6 2,846.7 2,867.7 2,871.3 2,861.1 2,900.7 18 Transaction 768.7 755.1 750.0 741.9 734.1 725.6 719.6 723.0 710.1 720.2 705.5 737.9 19 Nontransaction 1,879.4 1,957.2 1,971.2 1,990.3 2,019.1 2,051.9 2,091.0 2,123.7 2,157.7 2,151.1 2,155.6 2,162.9 20 Large time 423.2 438.6 444.2 453.9 460.5 471.5 487.3 493.6 501.8 506.4 509.9 509.6 21 Other 1,456.2 1,518.6 1,526.9 1,536.4 1,558.7 1,580.4 1,603.7 1,630.0 1,655.9 1,644.6 1,645.6 1,653.3 22 Borrowings 674.1 722.0 713.4 706.3 718.2 719.2 683.4 697.9 673.2 672.7 695.2 686.3 23 From banks in the U.S. 291.5 307.4 303.5 295.4 300.4 303.9 294.8 298.1 287.2 281.7 285.6 295.3 24 From others 382.6 414.6 409.9 410.9 417.8 415.3 388.7 399.8 386.0 391.0 409.6 390.9 25 Net due to related foreign offices 264.4 256.9 257.2 253.6 244.4 248.9 243.8 236.4 233.1 226.7 236.3 225.7 26 Other liabilities 222.9 219.7 226.4 218.7 218.6 218.6 238.3 252.8 260.6 260.5 246.1 252.5 27 TOTAL LIABILITIES 3,809.5 3,910.8 3,918.1 3,910.8 3,934.4 3,964.3 3,976.2 4,033.8 4,034.7 4,031.1 4,038.7 4,065.1 28 Residual (assets less liabilities) (7) 362.6 367.2 372.1 385.8 361.8 354.2 359.5 362.3 364.2 374.1 362.2 369.8 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 Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,604.9 3,671.8 3,678.4 3,680.9 3,677.1 3,696.5 3,719.3 3,746.9 3,754.9 3,759.8 3,766.9 3,777.6 2 Securities in bank credit 997.8 1,001.7 991.1 980.7 976.5 969.2 967.7 978.4 982.8 980.2 973.2 973.5 3 U.S. government securities 712.4 714.0 708.6 705.4 704.5 703.7 700.1 704.1 704.3 703.2 700.2 696.0 4 Other securities 285.4 287.7 282.5 275.3 272.0 265.5 267.6 274.3 278.5 277.0 273.0 277.5 5 Loans and leases in bank credit (2) 2,607.2 2,670.1 2,687.3 2,700.2 2,700.7 2,727.3 2,751.6 2,768.5 2,772.1 2,779.7 2,793.7 2,804.1 6 Commercial and industrial 711.9 740.8 741.4 744.1 741.1 754.0 765.7 772.9 775.2 777.3 782.0 786.9 7 Real estate 1,082.7 1,097.2 1,102.3 1,105.6 1,111.5 1,115.5 1,118.9 1,124.7 1,127.6 1,128.9 1,127.7 1,127.8 8 Revolving home equity 79.2 79.5 79.2 80.0 80.8 81.7 83.0 84.0 85.0 84.9 85.0 84.9 9 Other 1,003.4 1,017.7 1,023.1 1,025.6 1,030.7 1,033.8 1,035.8 1,040.8 1,042.5 1,044.0 1,042.8 1,042.9 10 Consumer 491.6 503.0 506.6 510.8 515.1 519.9 519.2 520.4 522.6 523.8 527.5 531.7 11 Security (3) 87.7 77.9 79.5 76.6 70.8 73.1 76.9 79.2 75.6 78.1 82.4 83.5 12 Other loans and leases 233.3 251.2 257.5 263.1 262.2 264.9 271.0 271.2 271.2 271.5 274.1 274.1 13 Interbank loans 197.0 204.3 204.5 194.5 192.9 199.5 197.8 215.9 223.7 209.1 213.3 208.9 14 Cash assets (4) 220.1 216.9 215.1 216.8 212.3 220.9 223.1 235.7 229.7 225.4 244.4 246.1 15 Other assets (5) 219.4 231.4 240.1 250.8 257.5 259.8 251.5 260.2 271.6 269.1 267.0 268.5 16 TOTAL ASSETS (6) 4,184.8 4,267.3 4,280.9 4,285.8 4,282.3 4,318.8 4,334.0 4,400.7 4,421.8 4,405.5 4,433.7 4,443.1 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 2,808.3 2,861.4 2,894.1 2,884.7 2,888.9 2,911.0 18 Transaction 782.3 742.8 743.5 734.8 720.4 724.7 717.9 734.7 733.5 729.2 738.5 760.9 19 Nontransaction 1,881.8 1,959.3 1,974.4 1,990.5 2,020.5 2,052.1 2,090.4 2,126.6 2,160.6 2,155.4 2,150.4 2,150.1 20 Large time 424.2 444.0 444.1 451.7 459.7 470.2 485.5 495.1 502.6 508.7 509.2 508.4 21 Other 1,457.6 1,515.3 1,530.4 1,538.8 1,560.8 1,581.9 1,604.9 1,631.6 1,658.0 1,646.7 1,641.2 1,641.7 22 Borrowings 681.9 717.3 721.9 715.0 709.5 711.5 674.1 692.0 686.6 677.2 712.4 692.6 23 From banks in the U.S. 294.6 303.8 305.5 293.5 289.2 288.5 284.8 298.4 307.7 303.6 307.5 304.1 24 From others 387.4 413.5 416.4 421.5 420.3 423.0 389.3 393.6 378.9 373.7 404.9 388.5 25 Net due to related foreign offices 263.3 259.1 249.5 251.8 243.4 245.1 245.2 233.7 222.1 223.5 229.2 229.2 26 Other liabilities 224.9 222.3 227.1 218.2 218.1 218.7 238.3 252.8 260.6 260.5 246.1 252.5 27 TOTAL LIABILITIES 3,834.1 3,900.8 3,916.5 3,910.3 3,911.8 3,952.1 3,965.9 4,039.8 4,063.4 4,045.8 4,076.6 4,085.3 28 Residual (assets less liabilities) (7) 350.6 366.5 364.5 375.5 370.5 366.8 368.1 361.0 358.4 359.6 357.1 357.9 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 76.0 76.0 74.3 72.3 77.9 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 65.3 65.3 61.5 58.5 66.1 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 Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,159.7 3,215.0 3,215.3 3,221.7 3,213.4 3,228.7 3,237.1 3,243.7 3,246.9 3,251.6 3,252.4 3,266.5 2 Securities in bank credit 854.9 845.7 838.1 836.2 823.7 822.5 821.5 822.0 821.1 824.7 820.8 823.8 3 U.S. government securities 647.1 635.4 629.4 628.3 620.2 619.9 618.4 617.1 615.2 616.5 614.5 614.1 4 Other securities 207.8 210.3 208.7 207.9 203.5 202.6 203.2 204.9 205.9 208.2 206.3 209.6 5 Loans and leases in bank credit (2) 2,304.8 2,369.3 2,377.1 2,385.5 2,389.7 2,406.2 2,415.5 2,421.7 2,425.8 2,426.9 2,431.6 2,442.7 6 Commercial and industrial 534.6 548.2 548.4 550.6 552.7 560.5 563.2 564.3 566.6 567.1 567.2 569.7 7 Real estate 1,040.3 1,066.8 1,070.6 1,072.7 1,078.9 1,080.8 1,082.4 1,085.6 1,088.9 1,088.6 1,089.3 1,090.9 8 Revolving home equity 78.8 79.6 79.2 79.8 80.5 81.2 82.3 83.5 84.7 84.7 84.9 85.0 9 Other 961.5 987.2 991.3 992.9 998.4 999.6 1,000.0 1,002.1 1,004.1 1,004.0 1,004.4 1,005.9 10 Consumer 490.7 504.7 510.3 513.5 514.9 518.7 518.7 519.6 520.3 520.7 521.1 523.0 11 Security (3) 53.6 50.7 46.8 45.9 41.9 44.1 43.8 43.1 43.3 42.3 44.9 47.8 12 Other loans and leases 185.6 198.9 201.0 202.8 201.2 202.1 207.5 209.2 206.8 208.2 209.0 211.4 13 Interbank loans 168.8 187.4 184.1 178.0 181.4 185.5 181.1 192.6 188.9 182.2 175.0 183.1 14 Cash assets (4) 185.9 193.2 191.4 191.3 194.0 192.2 193.6 200.6 189.5 197.3 197.5 204.5 15 Other assets (5) 173.7 187.6 200.7 210.9 215.5 220.2 218.2 226.4 235.2 232.8 232.9 234.4 16 TOTAL ASSETS (6) 3,631.6 3,726.4 3,734.4 3,744.5 3,746.8 3,769.0 3,772.3 3,805.8 3,802.9 3,806.5 3,800.4 3,831.0 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 2,640.2 2,651.6 2,653.3 2,639.3 2,679.1 18 Transaction 759.1 744.3 739.3 731.3 723.7 716.1 709.0 712.3 698.9 709.6 694.7 727.0 19 Nontransaction 1,720.1 1,795.6 1,810.2 1,821.1 1,849.0 1,875.7 1,896.0 1,927.9 1,952.7 1,943.7 1,944.6 1,952.1 20 Large time 267.5 279.4 283.2 287.1 292.1 297.6 295.4 300.4 302.8 303.1 304.8 305.7 21 Other 1,452.7 1,516.2 1,527.0 1,534.0 1,557.0 1,578.1 1,600.6 1,627.6 1,649.9 1,640.5 1,639.8 1,646.4 22 Borrowings 566.1 585.7 583.2 581.4 586.5 597.4 567.7 571.6 551.2 548.5 573.9 564.3 23 From banks in the U.S. 259.9 270.3 270.7 264.6 264.9 270.3 260.8 261.0 248.2 242.4 250.0 262.4 24 From others 306.2 315.4 312.5 316.9 321.6 327.1 306.9 310.6 302.9 306.1 323.9 302.0 25 Net due to related foreign offices 89.8 88.8 80.6 78.0 73.9 74.0 78.7 69.6 67.8 66.0 68.3 65.3 26 Other liabilities 141.3 147.5 157.1 151.4 153.1 153.1 165.8 172.8 176.3 175.6 168.1 173.3 27 TOTAL LIABILITIES 3,276.4 3,361.8 3,370.4 3,363.3 3,386.3 3,416.3 3,417.2 3,454.2 3,446.8 3,443.3 3,449.5 3,482.1 28 Residual (assets less liabilities) (7) 355.1 364.5 363.9 381.3 360.5 352.7 355.1 351.5 356.0 363.2 350.9 349.0 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 Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,169.4 3,215.4 3,215.5 3,213.9 3,210.2 3,231.2 3,239.2 3,250.6 3,256.3 3,253.7 3,262.3 3,268.7 2 Securities in bank credit 855.7 849.0 841.4 832.3 825.8 824.0 819.8 820.4 820.7 820.0 815.6 814.1 3 U.S. government securities 646.1 637.0 630.6 626.3 622.1 622.0 618.3 616.9 617.2 616.9 614.2 609.7 4 Other securities 209.6 212.0 210.8 206.0 203.6 202.0 201.5 203.5 203.6 203.1 201.3 204.4 5 Loans and leases in bank credit (2) 2,313.7 2,366.4 2,374.1 2,381.6 2,384.4 2,407.2 2,419.4 2,430.2 2,435.5 2,433.7 2,446.8 2,454.6 6 Commercial and industrial 533.6 553.6 550.9 550.6 548.5 556.3 560.7 563.2 564.0 561.5 564.6 567.0 7 Real estate 1,045.7 1,063.9 1,069.2 1,072.6 1,078.4 1,082.6 1,085.5 1,091.1 1,094.2 1,095.5 1,094.7 1,094.7 8 Revolving home equity 79.2 79.5 79.2 80.0 80.8 81.7 83.0 83.9 85.0 84.8 84.9 84.8 9 Other 966.5 984.4 990.0 992.7 997.6 1,000.9 1,002.5 1,007.2 1,009.2 1,010.7 1,009.7 1,009.9 10 Consumer 491.6 503.0 506.6 510.8 515.1 519.9 519.2 520.4 522.6 523.8 527.5 531.7 11 Security (3) 55.5 49.6 47.0 44.6 41.0 44.0 44.0 44.5 44.2 43.4 47.1 47.5 12 Other loans and leases 187.3 196.3 200.4 203.0 201.5 204.5 210.0 211.0 210.6 209.5 212.9 213.7 13 Interbank loans 172.8 180.8 182.1 175.3 176.5 179.4 177.9 196.1 202.7 193.3 189.5 188.5 14 Cash assets (4) 190.3 191.0 188.6 188.6 183.8 192.2 194.0 205.4 198.2 194.3 213.3 213.9 15 Other assets (5) 172.4 187.9 200.5 212.2 216.4 221.3 218.7 224.5 233.8 229.3 231.5 232.9 16 TOTAL ASSETS (6) 3,648.3 3,718.1 3,729.5 3,732.9 3,729.4 3,766.2 3,772.4 3,818.8 3,833.2 3,812.8 3,838.8 3,846.2 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 2,604.4 2,652.9 2,676.5 2,663.2 2,663.4 2,683.5 18 Transaction 772.6 732.7 733.1 724.1 710.2 714.5 707.1 723.9 722.3 718.6 726.9 749.3 19 Nontransaction 1,721.6 1,795.5 1,811.0 1,823.6 1,852.0 1,876.6 1,897.3 1,929.0 1,954.1 1,944.6 1,936.5 1,934.2 20 Large time 267.2 282.7 283.1 287.2 293.4 296.9 294.9 300.0 300.7 300.2 299.2 298.4 21 Other 1,454.4 1,512.8 1,528.0 1,536.4 1,558.5 1,579.6 1,602.5 1,629.1 1,653.5 1,644.4 1,637.3 1,635.7 22 Borrowings 576.3 584.2 587.4 584.4 575.9 587.9 560.9 569.4 563.3 554.1 591.2 571.5 23 From banks in the U.S. 263.3 268.7 270.9 261.2 254.1 255.0 253.0 261.9 267.1 262.4 269.3 269.9 24 From others 313.0 315.5 316.5 323.1 321.8 332.9 307.9 307.5 296.3 291.8 321.9 301.6 25 Net due to related foreign offices 88.4 93.8 79.3 76.9 72.2 70.8 77.9 67.9 64.3 65.4 65.0 65.0 26 Other liabilities 142.9 149.0 157.5 151.4 151.7 153.0 165.8 172.8 176.3 175.6 168.1 173.3 27 TOTAL LIABILITIES 3,301.8 3,355.1 3,368.4 3,360.4 3,361.9 3,402.8 3,409.1 3,463.1 3,480.4 3,458.3 3,487.7 3,493.2 28 Residual (assets less liabilities) (7) 346.5 363.0 361.2 372.5 367.5 363.4 363.3 355.8 352.8 354.4 351.2 353.0 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 35.2 35.2 34.8 33.9 39.3 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 31.4 31.4 29.8 27.5 34.2 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 240.7 240.7 239.7 241.9 242.4 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 Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,820.3 1,826.1 1,816.1 1,810.3 1,793.0 1,800.8 1,803.5 1,804.9 1,805.8 1,806.7 1,806.4 1,819.1 2 Securities in bank credit 453.0 434.1 425.4 421.3 408.6 406.7 406.3 408.8 408.7 409.9 406.5 409.8 3 U.S. government securities 323.1 303.9 296.5 293.3 285.1 284.2 284.0 284.7 283.5 282.4 281.0 281.6 3a Trading account 21.0 21.5 20.9 20.8 19.5 20.6 21.3 21.8 22.5 22.7 17.3 17.2 3b Investment account 302.2 282.4 275.6 272.5 265.6 263.6 262.7 263.0 261.0 259.7 263.6 264.4 4 Other securities 129.9 130.2 128.9 128.0 123.5 122.5 122.3 124.0 125.2 127.5 125.5 128.2 4a Trading account 59.1 59.9 58.4 59.6 57.7 57.1 55.7 57.8 58.3 60.0 57.5 59.6 4b Investment account 70.7 70.3 70.5 68.3 65.8 65.4 66.6 66.2 66.9 67.5 68.0 68.6 4c State and local government 22.0 21.0 20.6 20.6 20.5 20.3 20.2 20.2 20.2 20.3 20.4 20.4 4d Other 48.7 49.3 49.9 47.7 45.3 45.1 46.4 46.0 46.7 47.3 47.5 48.2 5 Loans and leases in bank credit (2) 1,367.2 1,392.0 1,390.6 1,389.0 1,384.4 1,394.1 1,397.1 1,396.1 1,397.1 1,396.8 1,399.9 1,409.3 6 Commercial and industrial 368.5 374.0 372.7 373.4 373.5 379.3 380.8 380.5 382.4 382.5 382.3 384.1 7 Real estate 554.8 558.2 557.2 553.9 554.8 553.5 551.6 551.5 554.3 552.8 553.2 553.7 8 Revolving home equity 52.6 52.9 52.5 52.9 53.0 53.2 53.3 53.9 54.3 54.3 54.5 54.4 9 Other 502.2 505.3 504.7 501.1 501.8 500.3 498.3 497.6 500.0 498.4 498.7 499.3 10 Consumer 271.7 278.6 282.0 282.5 282.8 285.3 282.5 282.2 281.4 281.8 281.3 284.0 11 Security (3) 48.2 45.4 41.5 40.8 36.8 38.9 38.7 37.8 37.9 37.0 39.7 42.3 12a State and local government 11.6 11.2 11.1 11.2 11.1 10.8 10.8 11.1 11.3 11.5 11.2 11.2 12b All other 112.4 124.6 126.1 127.3 125.4 126.3 132.6 132.9 129.8 131.3 132.2 134.0 13 Interbank loans 114.9 135.2 131.8 129.8 131.8 133.9 130.1 137.8 132.7 127.6 120.5 125.8 14 Cash assets (4) 123.9 127.0 124.7 126.7 128.3 127.1 127.6 133.2 122.7 130.0 130.7 136.5 15 Other assets (5) 123.4 138.9 150.1 155.0 159.1 162.1 159.2 164.7 172.1 170.1 170.1 172.9 16 TOTAL ASSETS (6) 2,146.1 2,191.0 2,186.3 2,184.9 2,175.4 2,187.2 2,183.6 2,204.3 2,197.0 2,198.3 2,191.7 2,218.1 L I A B I L I T I E S 17 Deposits 1,293.4 1,331.8 1,332.2 1,336.6 1,340.6 1,344.8 1,350.8 1,361.6 1,363.9 1,364.7 1,352.0 1,386.0 18 Transaction 425.9 416.7 409.9 407.9 399.7 390.2 384.9 384.7 373.3 381.9 369.0 398.3 19 Nontransaction 867.5 915.1 922.3 928.7 940.9 954.7 965.9 976.9 990.7 982.8 983.0 987.7 20 Large time 125.4 130.4 134.3 136.3 139.3 145.3 151.9 153.8 154.3 154.2 155.5 156.0 21 Other 742.1 784.7 788.0 792.4 801.6 809.3 814.0 823.0 836.3 828.5 827.5 831.6 22 Borrowings 428.2 435.2 427.3 417.2 415.5 426.7 402.8 408.6 392.2 391.8 413.1 405.7 23 From banks in the U.S. 182.6 186.2 185.5 184.4 182.3 185.9 172.9 176.5 169.4 166.1 172.7 182.2 24 From others 245.6 248.9 241.8 232.9 233.2 240.8 229.9 232.1 222.8 225.7 240.4 223.4 25 Net due to related foreign offices 84.2 84.0 75.2 72.2 69.5 68.2 75.4 67.3 66.2 63.6 66.8 63.9 26 Other liabilities 112.9 118.3 128.8 122.3 124.9 126.5 141.0 149.2 153.3 152.3 145.2 150.5 27 TOTAL LIABILITIES 1,918.6 1,969.3 1,963.6 1,948.3 1,950.5 1,966.2 1,970.0 1,986.7 1,975.7 1,972.5 1,977.0 2,006.1 28 Residual (assets less liabilities) (7) 227.4 221.7 222.7 236.6 224.9 221.0 213.7 217.7 221.3 225.9 214.7 212.1 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 Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,828.5 1,825.2 1,814.4 1,802.6 1,790.8 1,800.0 1,804.4 1,810.4 1,814.6 1,807.9 1,814.2 1,817.4 2 Securities in bank credit 456.0 435.2 426.4 418.0 412.1 408.4 406.6 409.0 410.9 407.2 402.3 400.0 3 U.S. government securities 324.6 303.6 295.4 291.7 288.4 286.4 285.9 286.5 287.9 284.5 281.7 277.0 3a Trading account 22.0 21.3 19.6 19.9 20.9 21.0 22.0 22.7 24.5 22.8 17.3 14.5 3b Investment account 302.6 282.3 275.8 271.8 267.5 265.4 263.9 263.8 263.5 261.7 264.5 262.5 4 Other securities 131.4 131.6 131.0 126.4 123.7 122.0 120.6 122.5 123.0 122.7 120.6 123.0 4a Trading account 59.8 61.7 61.1 58.7 57.8 56.2 53.5 55.4 55.5 54.9 52.6 54.5 4b Investment account 71.6 69.9 69.9 67.7 65.9 65.8 67.1 67.1 67.5 67.7 68.0 68.5 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 20.4 20.5 4d Other 49.5 48.8 49.2 47.4 45.6 45.5 46.9 46.8 47.2 47.4 47.6 48.0 5 Loans and leases in bank credit (2) 1,372.6 1,390.0 1,387.9 1,384.6 1,378.7 1,391.6 1,397.8 1,401.4 1,403.7 1,400.7 1,411.9 1,417.4 6 Commercial and industrial 368.2 377.6 373.8 373.2 370.6 376.2 379.2 380.3 380.8 378.1 380.5 381.8 7 Real estate 557.6 556.1 556.0 553.7 554.4 553.7 552.9 554.5 557.7 557.4 556.7 555.6 8 Revolving home equity 53.0 52.8 52.4 52.9 53.2 53.5 53.8 54.3 54.5 54.4 54.6 54.3 9 Other 504.7 503.3 503.6 500.9 501.2 500.2 499.1 500.2 503.2 503.0 502.1 501.3 10 Consumer 272.0 277.3 279.6 280.1 282.5 284.9 282.5 282.5 282.7 284.0 286.1 290.6 11 Security (3) 49.8 44.5 41.8 39.7 35.9 38.8 38.9 38.9 38.4 37.7 41.6 42.0 12a State and local government 11.6 11.2 11.1 11.2 11.2 10.9 10.9 11.1 11.3 11.4 11.2 11.2 12b All other 113.3 123.2 125.6 126.6 124.2 127.0 133.5 134.0 132.8 132.1 135.8 136.2 13 Interbank loans 114.2 131.7 132.9 129.6 127.6 129.3 126.0 137.0 139.4 132.3 132.2 132.4 14 Cash assets (4) 126.0 125.4 123.6 124.4 120.5 127.3 127.3 135.7 128.7 127.5 143.5 144.1 15 Other assets (5) 122.6 139.4 151.1 156.4 159.7 162.5 159.2 163.4 171.3 168.9 170.1 173.4 16 TOTAL ASSETS (6) 2,154.7 2,185.4 2,185.5 2,176.4 2,161.8 2,182.2 2,180.3 2,209.9 2,217.4 2,200.0 2,223.5 2,230.9 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 1,368.8 1,379.0 1,369.5 1,370.0 1,389.0 18 Tranlgdtion 433.9 408.8 407.0 402.4 389.9 390.2 382.3 391.7 387.1 385.6 392.3 414.1 19 Nontranlgdtion 868.2 915.1 923.5 930.9 944.0 954.6 965.8 977.1 991.8 983.9 977.7 974.9 20 Large time 125.1 132.8 134.3 136.7 140.8 144.6 151.0 153.5 153.2 152.3 151.7 150.9 21 Other 743.1 782.3 789.1 794.2 803.1 810.0 814.8 823.6 838.6 831.5 826.0 824.0 22 Borrowings 436.3 431.6 430.1 422.8 410.6 420.5 398.3 407.3 401.7 394.7 425.4 408.0 23 From banks in the U.S. 185.6 183.8 184.9 183.7 176.5 175.5 168.2 177.9 183.5 180.6 186.0 185.7 24 From others 250.6 247.7 245.2 239.1 234.1 245.0 230.1 229.4 218.2 214.1 239.4 222.3 25 Net due to related foreign offices 83.0 89.2 74.1 71.2 67.8 65.0 74.5 65.8 63.0 63.0 63.4 63.4 26 Other liabilities 114.6 120.1 129.2 122.5 123.5 126.2 141.0 149.2 153.3 152.3 145.2 150.5 27 TOTAL LIABILITIES 1,936.0 1,964.8 1,963.9 1,949.8 1,935.8 1,956.4 1,962.0 1,991.1 1,997.0 1,979.6 2,004.0 2,010.9 28 Residual (assets less liabilities) (7) 218.8 220.6 221.6 226.6 226.0 225.8 218.4 218.8 220.4 220.4 219.5 220.0 MEMO 29 Reval. gains on off-bal. sheet itens(8) -- -- -- -- -- -- -- 35.2 35.2 34.8 33.9 39.3 30 Reval. losses on off-bal. sheet itens (8) -- -- -- -- -- -- -- 31.4 31.4 29.8 27.5 34.2 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 189.5 189.5 188.3 190.4 190.5 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 Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,339.4 1,388.9 1,399.2 1,411.4 1,420.4 1,427.9 1,433.6 1,438.8 1,441.0 1,444.9 1,446.0 1,447.4 2 Securities in bank credit 401.9 411.6 412.7 415.0 415.1 415.8 415.2 413.2 412.4 414.8 414.4 414.0 3 U.S. government securities 323.9 331.4 332.9 335.0 335.1 335.8 334.3 332.4 331.7 334.1 333.5 332.5 4 Other securities 77.9 80.1 79.8 80.0 80.0 80.0 80.9 80.9 80.7 80.7 80.8 81.5 5 Loans and leases in bank credit (2) 937.6 977.3 986.5 996.4 1,005.3 1,012.1 1,018.4 1,025.6 1,028.6 1,030.1 1,031.6 1,033.4 6 Commercial and industrial 166.1 174.2 175.7 177.2 179.2 181.2 182.3 183.8 184.2 184.6 184.9 185.6 7 Real estate 485.5 508.6 513.3 518.8 524.0 527.3 530.7 534.1 534.6 535.9 536.1 537.1 8 Revolving home equity 26.2 26.7 26.7 27.0 27.5 27.9 29.0 29.6 30.4 30.3 30.4 30.6 9 Other 459.3 481.9 486.6 491.8 496.5 499.4 501.7 504.5 504.2 505.5 505.8 506.6 10 Consumer 219.0 226.1 228.3 231.0 232.1 233.4 236.2 237.3 238.9 238.9 239.8 238.9 11 Security (3) 5.4 5.3 5.3 5.1 5.2 5.2 5.1 5.3 5.4 5.3 5.2 5.5 12 Other loans and leases 61.6 63.2 63.9 64.3 64.8 65.0 64.1 65.1 65.6 65.5 65.6 66.2 13 Interbank loans 53.8 52.2 52.3 48.2 49.7 51.6 51.1 54.8 56.2 54.6 54.4 57.3 14 Cash assets (4) 61.9 66.2 66.7 64.7 65.7 65.1 66.0 67.3 66.9 67.3 66.8 68.0 15 Other assets (5) 50.3 48.7 50.6 55.9 56.4 58.1 59.1 61.7 63.1 62.6 62.8 61.6 16 TOTAL ASSETS (6) 1,485.5 1,535.4 1,548.0 1,559.6 1,571.4 1,581.8 1,588.6 1,601.4 1,605.9 1,608.2 1,608.7 1,612.9 L I A B I L I T I E S 17 Deposits 1,185.8 1,208.1 1,217.2 1,215.8 1,232.2 1,247.0 1,254.2 1,278.6 1,287.7 1,288.6 1,287.3 1,293.1 18 Transaction 333.2 327.6 329.4 323.4 324.1 325.9 324.1 327.6 325.6 327.7 325.7 328.7 19 Nontransaction 852.7 880.5 887.9 892.4 908.1 921.1 930.1 951.1 962.0 960.9 961.6 964.4 20 Large time 142.1 149.0 148.9 150.7 152.8 152.3 143.5 146.6 148.4 148.9 149.3 149.6 21 Other 710.5 731.5 739.0 741.6 755.4 768.8 786.6 804.5 813.6 812.0 812.3 814.8 22 Borrowings 137.9 150.5 155.9 164.2 171.0 170.7 165.0 163.0 158.9 156.6 160.8 158.7 23 From banks in the U.S. 77.3 84.0 85.3 80.2 82.6 84.4 87.9 84.5 78.8 76.2 77.3 80.1 24 From others 60.6 66.5 70.7 84.0 88.4 86.3 77.0 78.5 80.1 80.4 83.5 78.6 25 Net due to related foreign offices 5.6 4.7 5.4 5.8 4.4 5.8 3.3 2.3 1.6 2.4 1.5 1.4 26 Other liabilities 28.5 29.2 28.3 29.1 28.2 26.6 24.7 23.6 23.0 23.3 22.9 22.8 27 TOTAL LIABILITIES 1,357.8 1,392.6 1,406.8 1,414.9 1,435.7 1,450.1 1,447.2 1,467.6 1,471.2 1,470.9 1,472.4 1,476.0 28 Residual (assets less liabilities) (7) 127.7 142.8 141.2 144.7 135.6 131.7 141.4 133.9 134.7 137.3 136.2 136.9 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 Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,340.9 1,390.2 1,401.1 1,411.3 1,419.4 1,431.2 1,434.8 1,440.2 1,441.6 1,445.8 1,448.1 1,451.3 2 Securities in bank credit 399.7 413.8 415.0 414.3 413.6 415.6 413.2 411.4 409.9 412.8 413.2 414.1 3 U.S. government securities 321.5 333.5 335.3 334.6 333.7 335.6 332.4 330.4 329.3 332.3 332.5 332.7 4 Other securities 78.2 80.3 79.8 79.6 79.9 80.1 80.8 81.0 80.6 80.5 80.8 81.4 5 Loans and leases in bank credit (2) 941.1 976.4 986.1 997.0 1,005.8 1,015.6 1,021.6 1,028.8 1,031.8 1,033.0 1,034.9 1,037.2 6 Commercial and industrial 165.4 176.0 177.1 177.3 177.9 180.1 181.6 182.9 183.2 183.3 184.1 185.3 7 Real estate 488.1 507.8 513.2 518.9 524.0 528.8 532.6 536.6 536.5 538.1 538.0 539.1 8 Revolving home equity 26.3 26.7 26.8 27.1 27.6 28.1 29.2 29.7 30.5 30.4 30.4 30.5 9 Other 461.8 481.1 486.4 491.8 496.5 500.7 503.4 507.0 506.0 507.7 507.6 508.6 10 Consumer 219.6 225.7 227.0 230.7 232.6 234.9 236.7 237.8 239.8 239.8 241.4 241.1 11 Security (3) 5.7 5.1 5.2 4.9 5.1 5.1 5.1 5.6 5.8 5.7 5.5 5.5 12 Other loans and leases 62.4 61.9 63.7 65.2 66.1 66.6 65.7 65.8 66.4 66.0 65.9 66.3 13 Interbank loans 58.6 49.1 49.2 45.7 49.0 50.1 52.0 59.1 63.3 61.0 57.3 56.1 14 Cash assets (4) 64.3 65.6 65.0 64.2 63.3 64.9 66.7 69.7 69.6 66.8 69.8 69.8 15 Other assets (5) 49.8 48.5 49.4 55.8 56.7 58.8 59.6 61.1 62.5 60.4 61.4 59.5 16 TOTAL ASSETS (6) 1,493.6 1,532.8 1,544.0 1,556.5 1,567.6 1,584.0 1,592.0 1,608.9 1,615.8 1,612.8 1,615.3 1,615.3 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 1,284.1 1,297.5 1,293.7 1,293.4 1,294.4 18 Transaction 338.6 323.8 326.1 321.8 320.2 324.3 324.8 332.2 335.2 333.0 334.6 335.2 19 Nontransaction 853.5 880.4 887.6 892.8 908.0 922.0 931.5 951.9 962.3 960.7 958.8 959.2 20 Large time 142.2 149.8 148.8 150.5 152.6 152.4 143.8 146.5 147.4 147.9 147.5 147.5 21 Other 711.3 730.5 738.8 742.3 755.4 769.7 787.7 805.4 814.9 812.9 811.3 811.7 22 Borrowings 140.0 152.6 157.3 161.6 165.3 167.4 162.7 162.1 161.6 159.4 165.9 163.5 23 From banks in the U.S. 77.7 84.9 86.0 77.5 77.6 79.6 84.8 84.0 83.5 81.8 83.3 84.2 24 From others 62.3 67.7 71.3 84.0 87.7 87.9 77.8 78.1 78.1 77.6 82.5 79.3 25 Net due to related foreign offices 5.4 4.6 5.2 5.7 4.4 5.9 3.4 2.2 1.3 2.3 1.6 1.6 26 Other liabilities 28.3 28.9 28.3 28.9 28.2 26.8 24.7 23.6 23.0 23.3 22.9 22.8 27 TOTAL LIABILITIES 1,365.9 1,390.3 1,404.5 1,410.6 1,426.1 1,446.4 1,447.1 1,472.0 1,483.4 1,478.7 1,483.7 1,482.3 MEMO 28 Residual (assets less liabilities) (7) 127.7 142.4 139.6 145.8 141.5 137.5 145.0 136.9 132.4 134.1 131.6 133.0 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 51.2 51.2 51.4 51.5 51.9 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 Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 439.1 459.2 466.1 466.0 464.7 463.9 483.3 504.2 505.9 512.8 510.1 516.6 2 Securities in bank credit 144.2 150.9 151.6 147.4 148.6 144.0 146.9 164.2 169.9 171.3 168.5 174.2 3 U.S. government securities 67.1 77.8 79.0 79.3 81.1 82.3 82.5 88.3 88.0 87.8 87.4 92.0 4 Other securities 77.2 73.0 72.5 68.2 67.5 61.7 64.4 75.9 81.9 83.5 81.0 82.2 5 Loans and leases in bank credit (2) 294.9 308.3 314.5 318.5 316.1 319.8 336.4 340.0 336.0 341.5 341.6 342.4 6 Commercial and industrial 179.0 187.2 190.0 192.4 191.7 198.5 207.0 210.5 212.0 218.3 218.3 218.8 7 Real estate 36.7 33.5 33.2 33.1 33.1 32.8 33.4 33.4 33.1 33.3 33.2 33.3 11 Security (3) 32.7 31.3 34.7 33.2 30.8 29.3 34.8 35.6 31.4 29.7 31.4 32.7 12 Other loans and leases 46.5 56.4 56.5 59.8 60.5 59.2 61.2 60.4 59.5 60.3 58.8 57.7 13 Interbank loans 25.0 23.3 24.3 19.3 16.9 19.6 18.5 20.4 20.7 15.4 23.6 19.4 14 Cash assets (4) 30.2 26.3 25.7 27.7 27.8 27.8 28.7 30.7 32.5 32.0 31.7 31.8 15 Other assets (5) 46.2 42.9 39.8 39.1 40.2 38.3 33.0 35.2 37.2 38.6 35.3 36.2 16 TOTAL ASSETS (6) 540.5 551.7 555.8 552.0 549.5 549.5 563.4 590.3 596.1 598.6 600.5 603.9 L I A B I L I T I E S 17 Deposits 168.9 172.4 171.7 179.8 180.5 185.8 205.7 206.5 216.1 218.0 221.8 221.6 18 Transaction 9.7 10.8 10.7 10.6 10.3 9.6 10.7 10.7 11.1 10.6 10.8 10.9 19 Nontransaction 159.3 161.7 161.0 169.2 170.1 176.2 195.0 195.7 205.0 207.4 211.0 210.8 20 Large time 155.7 159.2 161.0 166.8 168.4 173.8 191.9 193.3 199.0 203.3 205.1 203.9 21 Other 3.6 2.5 0.0 2.4 1.7 2.3 3.1 2.5 6.0 4.1 5.9 6.8 22 Borrowings 108.0 136.3 130.2 124.9 131.7 121.8 115.7 126.3 122.1 124.2 121.3 121.9 23 From banks in the U.S. 31.6 37.1 32.7 30.8 35.5 33.6 33.9 37.1 39.0 39.3 35.6 33.0 24 From others 76.4 99.2 97.5 94.0 96.2 88.2 81.8 89.2 83.1 84.9 85.7 88.9 25 Net due to related foreign offices 174.6 168.1 176.6 175.6 170.5 174.9 165.1 166.8 165.3 160.7 168.1 160.4 26 Other liabilities 81.5 72.2 69.2 67.3 65.5 65.5 72.6 80.0 84.4 84.8 78.0 79.1 27 TOTAL LIABILITIES 533.0 549.0 547.7 547.5 548.2 548.0 559.0 579.6 587.9 587.8 589.2 583.0 28 Residual (assets less liabilities) (7) 7.5 2.7 8.1 4.5 1.3 1.4 4.4 10.8 8.2 10.9 11.3 20.9 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 Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 435.5 456.4 462.9 467.0 467.0 465.4 480.0 496.3 498.6 506.1 504.6 508.8 2 Securities in bank credit 142.1 152.7 149.7 148.4 150.7 145.2 147.9 158.0 162.1 160.2 157.7 159.4 3 U.S. government securities 66.3 77.0 78.0 79.0 82.4 81.7 81.8 87.2 87.1 86.4 86.0 86.3 3a Trading account -- -- -- -- -- -- 18.6 21.8 22.5 20.7 19.3 19.1 3b Investment account -- -- -- -- -- -- 63.2 65.4 64.7 65.6 66.6 67.2 4 Other securities 75.8 75.7 71.7 69.3 68.3 63.5 66.1 70.8 74.9 73.8 71.7 73.1 4a Trading account -- -- -- -- -- -- 47.8 51.7 55.9 54.6 52.3 53.8 4b Investment account -- -- -- -- -- -- 18.4 19.1 19.0 19.2 19.4 19.3 5 Loans and leases in bank credit (2) 293.5 303.7 313.2 318.7 316.3 320.2 332.1 338.3 336.6 346.0 346.9 349.4 6 Commercial and industrial 178.4 187.1 190.5 193.5 192.6 197.7 204.9 209.7 211.2 215.9 217.3 219.9 7 Real estate 36.9 33.3 33.1 33.0 33.1 33.0 33.4 33.6 33.4 33.4 33.1 33.1 11 Security (3) 32.2 28.3 32.5 32.0 29.8 29.1 32.9 34.7 31.4 34.7 35.4 36.0 12 Other loans and leases 46.0 54.9 57.1 60.1 60.7 60.4 60.9 60.3 60.6 62.0 61.2 60.4 13 Interbank loans 24.2 23.4 22.4 19.2 16.4 20.2 19.8 19.8 20.9 15.8 23.8 20.5 14 Cash assets (4) 29.8 25.9 26.6 28.2 28.5 28.7 29.1 30.3 31.5 31.1 31.1 32.2 15 Other assets (5) 47.0 43.5 39.6 38.6 41.1 38.5 32.8 35.7 37.8 39.8 35.5 35.6 16 TOTAL ASSETS (6) 536.5 549.2 551.4 553.0 552.9 552.6 561.6 581.9 588.6 592.7 594.9 596.9 L I A B I L I T I E S 17 Deposits 169.9 173.9 173.8 177.5 178.8 185.7 203.9 208.4 217.7 221.5 225.5 227.5 18 Transaction 9.7 10.1 10.4 10.6 10.3 10.2 10.8 10.8 11.2 10.6 11.6 11.6 19 Nontransaction 160.2 163.8 163.4 166.9 168.5 175.5 193.0 197.6 206.5 210.8 213.9 215.9 20 Large time 156.9 161.3 161.0 164.5 166.3 173.2 190.6 195.1 202.0 208.5 210.0 210.0 21 Other 3.2 2.4 2.4 2.4 2.3 2.3 2.5 2.5 4.5 2.3 3.9 5.9 22 Borrowings 105.6 133.2 134.4 130.6 133.6 123.6 113.2 122.6 123.2 123.1 121.2 121.2 23 From banks in the U.S. 31.3 35.1 34.5 32.2 35.1 33.5 31.8 36.5 40.6 41.2 38.2 34.2 24 From others 74.4 98.1 99.9 98.4 98.5 90.1 81.4 86.1 82.6 81.9 82.9 87.0 25 Net due to related foreign offices 174.8 165.3 170.2 175.0 171.2 174.3 167.2 165.7 157.8 158.1 164.2 164.2 26 Other liabilities 81.9 73.3 69.7 66.8 66.4 65.7 72.6 80.0 84.4 84.8 78.0 79.1 27 TOTAL LIABILITIES 532.3 545.7 548.1 549.9 549.9 549.2 556.9 576.7 583.0 587.5 588.9 592.0 28 Residual (assets less liabilities) (7) 4.2 3.5 3.3 3.1 3.0 3.4 4.7 5.2 5.6 5.2 6.0 4.9 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 40.8 40.8 39.5 38.5 38.5 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 33.9 33.9 31.7 31.0 31.8 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 25, 1996. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta ASSETS 1 Bank credit 1,817.4 91.3 345.6 102.9 162.8 179.4 205.7 2 Securities in bank credit (14) 400.0 3 U.S. government securities (14) 277.0 3a Trading account (14) 14.5 3b Investment account 262.5 15.3 80.1 5.1 25.5 27.5 26.2 3c Mortgage-backed 162.7 6.2 55.5 2.1 14.4 15.0 16.1 3d Other 99.9 9.2 24.5 3.0 11.0 12.5 10.1 3e 1 year or less 25.0 3.4 3.9 1.0 1.4 3.7 2.1 3f Between 1 and 5 years 57.8 5.1 14.9 1.7 4.8 7.6 7.1 3g More than 5 years 17.1 0.7 5.7 0.4 4.8 1.2 0.8 4 Other securities (14) 123.0 4a Trading account (14) 54.5 4b Investment account 68.5 5.2 19.9 2.1 6.0 4.7 10.8 4c State and local government 20.5 1.9 6.5 0.7 0.8 1.0 2.0 4d Other 48.0 3.4 13.4 1.5 5.2 3.7 8.8 5 Loans and leases in bank credit (2) 1,417.4 70.8 245.6 95.7 131.2 147.2 168.7 6 Commerical and industrial 381.8 25.8 64.8 14.9 39.1 34.3 37.3 6a Bankers accep and commercial paper 1.9 0.1 0.7 0.0 0.0 0.1 0.0 6b Other 379.8 25.7 64.0 14.9 39.1 34.2 37.3 7 Real estate 555.6 20.2 96.0 25.0 48.3 74.5 82.1 8 Revolving home equtiy 54.3 2.9 7.7 3.1 5.7 6.8 5.8 9a Other residential 322.3 8.9 60.5 17.3 30.3 46.9 49.3 9b Commercial 179.0 8.4 27.8 4.6 12.3 20.8 27.0 10 Consumer 290.6 7.1 34.1 49.3 29.6 20.3 36.7 11 Security (3) 42.0 8.7 16.5 0.1 1.1 4.5 1.5 11a Fed funds and RPs with broker/dealer 24.6 8.2 7.0 0.0 0.1 4.3 1.1 11b Other 17.5 0.4 9.5 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 0.1 0.1 0.2 0.5 0.5 12c Fed funds and RPs with others 4.3 0.4 1.9 0.0 0.0 1.1 0.0 12d All other loans 63.4 3.8 17.7 1.5 2.8 4.9 3.9 12e Lease financing receivables 61.0 4.6 12.8 4.0 8.7 4.9 4.6 13 Interbank loans 132.4 6.7 46.6 2.9 9.5 11.4 14.5 13a Fed funds and RPs with banks 79.7 3.7 26.2 2.8 5.1 7.8 9.3 13b Other 52.7 3.0 20.4 0.1 4.4 3.6 5.2 14 Cash assets(4) 144.1 8.4 28.4 5.9 10.0 11.7 14.0 15 Other assets (12) 203.3 16.3 110.2 12.6 14.1 25.4 15.5 16 TOTAL ASSETS (6) 2,260.8 121.1 518.0 122.2 193.6 225.6 246.8 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 25, 1996. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta 17 Deposits 1,389.0 69.4 279.4 68.8 122.5 125.2 174.7 18 Transaction 414.1 25.1 82.1 16.0 31.6 30.7 38.3 19 Nontransaction 974.9 44.3 197.3 52.8 90.9 94.5 136.4 20 Large time 150.9 7.4 39.4 10.9 10.4 12.7 19.6 21 Other 824.0 36.9 157.9 41.9 80.6 81.8 116.8 22 Borrowings 408.0 27.0 73.9 33.2 41.0 58.2 38.2 23 From banks in the US 185.7 8.2 24.3 15.8 16.9 28.8 23.0 24 From others 222.3 18.8 49.6 17.4 24.1 29.4 15.3 26 Other liabilities (13) 243.8 14.3 99.4 8.5 12.7 26.1 13.4 27 TOTAL LIABILITIES 2,040.8 110.7 452.7 110.4 176.2 209.4 226.3 28 Residual (assets less liabilities (13) 220.0 10.4 65.3 11.8 17.4 16.2 20.4 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 39.3 30 Reval. losses on off-bal. sheet items (8,14) 34.2 31 Mortgage-backed securities (9) 190.5 7.4 60.5 3.3 19.8 16.7 22.0 31a Pass-through 131.7 5.5 47.8 1.7 12.4 13.4 13.6 31b CMO, REMIC and other 58.8 2.0 12.7 1.5 7.4 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) 32.2 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 25, 1996. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansac City Dallas San Francisco ASSETS 1 Bank credit 189.1 40.9 40.5 26.4 70.1 293.8 2 Securities in bank credit (14) 3 U.S. government securities (14) 3a Trading account (14) 3b Investment account (14) 25.5 7.8 2.5 6.6 12.2 28.3 3c Mortgage-backed 12.1 4.7 1.8 4.4 10.4 19.9 3d Other 13.3 3.1 0.7 2.2 1.9 8.5 3e 1 year or less 6.1 0.9 0.1 0.4 0.2 1.8 3f Between 1 and 5 years 5.7 1.8 0.3 1.6 1.4 5.8 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 0.6 1.0 2.1 7.4 4c State and local government 3.7 0.8 0.2 0.6 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) 156.9 31.3 37.3 18.8 55.9 258.1 6 Commerical and industrial 65.4 8.4 8.2 5.1 24.2 54.2 6a Bankers accep and commercial paper 0.3 0.0 0.0 0.1 0.0 0.6 6b Other 65.1 8.3 8.2 5.0 24.2 53.6 7 Real estate 48.6 15.1 7.9 6.8 14.4 116.6 8 Revolving home equtiy 4.9 1.2 0.4 0.4 0.3 15.0 9a Other residential 19.1 10.1 5.2 3.7 9.6 61.3 9b Commercial 24.6 3.8 2.3 2.7 4.5 40.4 10 Consumer 24.0 5.2 16.5 4.8 10.9 52.1 11 Security (3) 3.9 0.4 1.3 0.0 1.2 2.7 11a Fed funds and RPs with broker/dealer 0.6 0.1 0.8 0.0 1.0 1.3 11b Other 3.3 0.3 0.5 0.0 0.2 1.4 12a State and local government 1.3 0.2 0.1 0.1 0.1 1.2 12b Agricultural 0.5 0.1 0.2 0.5 0.2 4.7 12c Fed funds and RPs with others 0.6 0.0 0.0 0.0 0.2 0.2 12d All other loans 8.5 1.0 2.1 1.2 3.9 11.9 12e Lease financing receivables 4.2 0.9 0.9 0.3 0.7 14.3 13 Interbank loans 6.9 1.6 4.5 1.1 8.1 18.7 13a Fed funds and RPs with banks 6.1 1.5 4.0 0.8 6.8 5.4 13b Other 0.8 0.1 0.4 0.3 1.2 13.3 14 Cash assets(4) 17.8 3.7 3.0 2.8 11.1 27.3 15 Other assets (12) 21.2 3.3 2.7 1.5 7.2 42.1 16 TOTAL ASSETS 232.0 48.9 49.8 31.4 95.8 375.7 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 25, 1996. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansas City Dallas San Francisco 17 Deposits 142.3 30.2 24.2 24.3 69.5 258.6 18 Transaction 44.7 8.0 9.1 7.3 22.8 98.5 19 Nontransaction 97.6 22.3 15.1 17.0 46.7 160.1 20 Large time 17.2 2.4 1.3 1.4 4.5 23.8 21 Other 80.4 19.9 13.9 15.6 42.2 136.2 22 Borrowings 41.4 12.5 18.4 3.8 12.9 47.5 23 From banks in the US 15.9 8.3 14.8 2.4 4.0 23.4 24 From others 25.5 4.2 3.5 1.4 9.0 24.1 26 Other liabilities (13) 27.0 2.5 3.0 1.1 5.4 30.5 27 TOTAL LIABILITIES 210.6 45.2 45.6 29.2 87.8 336.6 28 Residual (assets less liabilities (13) 21.4 3.7 4.2 2.2 8.0 39.2 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) 14.1 5.5 1.9 5.0 11.0 23.2 31a Pass-through 7.5 2.3 1.6 3.7 9.2 13.1 31b CMO, REMIC and other 6.6 3.2 0.3 1.3 1.8 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.