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: January 17, 1997

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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                                                                                                         January 17, 1997

               Account                                    1995      1996      1996      1996      1996      1996      1996      1996                 Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        3,610.1   3,680.7   3,685.3   3,675.5   3,690.0   3,717.9   3,745.4   3,767.7   3,760.8    3,780.3    3,779.0    3,804.1

  2     Securities in bank credit                        1,001.9     989.7     983.7     972.3     966.5     968.5     986.5     993.6     989.3      997.5      992.7    1,004.5
  3        U.S. government securities                      710.5     708.5     707.6     701.3     702.2     700.9     705.7     704.3     701.9      705.9      705.6      708.2
  4        Other securities                                291.4     281.3     276.1     271.0     264.3     267.6     280.8     289.3     287.4      291.7      287.0      296.3

  5     Loans and leases in bank credit (2)              2,608.1   2,691.0   2,701.6   2,703.3   2,723.5   2,749.4   2,759.0   2,774.0   2,771.6    2,782.7    2,786.4    2,799.5
  6        Commercial and industrial                       716.4     738.5     743.1     744.5     759.1     770.3     774.9     786.0     785.8      788.4      788.4      787.5
  7        Real estate                                   1,077.5   1,103.3   1,103.8   1,110.0   1,111.8   1,114.2   1,117.6   1,124.7   1,123.9    1,124.9    1,129.6    1,131.8
  8          Revolving home equity                          79.1      79.3      79.9      80.6      81.2      82.4      83.4      85.2      85.1       85.5       85.6       85.5
  9          Other                                         998.4   1,024.1   1,023.9   1,029.5   1,030.6   1,031.8   1,034.2   1,039.6   1,038.8    1,039.4    1,044.0    1,046.3
  10        Consumer                                       493.1     510.0     513.0     514.3     517.9     517.5     518.1     518.7     517.6      520.3      521.2      522.1
  11        Security (3)                                    83.0      81.5      79.1      72.7      73.4      78.6      78.7      76.2      76.3       80.3       77.1       83.0
  12       Other loans and leases                          238.1     257.6     262.6     261.7     261.4     268.8     269.6     268.4     267.8      268.8      270.0      275.1

  13  Interbank loans                                      193.7     208.4     197.3     198.3     205.0     199.7     213.0     199.8     198.7      200.8      196.0      194.2

  14  Cash assets (4)                                      223.6     217.2     219.1     221.8     219.9     222.2     231.3     229.7     228.8      237.2      227.2      246.5

  15  Other assets (5)                                     226.0     240.1     249.6     255.2     258.2     251.0     261.2     269.9     267.4      270.5      269.9      248.0

  16  TOTAL ASSETS (6)                                   4,197.0   4,289.2   4,293.8   4,293.4   4,315.5   4,332.8   4,393.2   4,409.3   4,398.2    4,431.1    4,414.0    4,434.7

         L I A B I L I T I E S

  17  Deposits                                           2,670.8   2,721.1   2,732.2   2,753.2   2,777.6   2,810.6   2,846.8   2,883.6   2,861.2    2,905.3    2,909.6    2,900.8
  18    Transaction                                        775.7     750.0     741.9     734.1     725.6     719.6     723.1     723.9     705.6      741.6      737.9      734.5
  19    Nontransaction                                   1,895.2   1,971.2   1,990.3   2,019.1   2,051.9   2,091.0   2,123.7   2,159.7   2,155.6    2,163.7    2,171.7    2,166.3
  20       Large time                                      421.4     444.2     453.9     460.5     471.5     487.4     493.7     510.4     510.0      514.4      516.7      515.8
  21       Other                                         1,473.7   1,526.9   1,536.4   1,558.7   1,580.4   1,603.7   1,630.0   1,649.3   1,645.6    1,649.3    1,654.9    1,650.5

  22  Borrowings                                           681.7     713.1     704.2     716.1     717.0     681.4     696.3     680.9     693.7      686.3      677.4      693.0
  23    From banks in the U.S.                             280.3     303.2     293.3     298.3     301.8     292.7     295.7     282.6     283.8      293.7      270.5      277.7
  24    From others                                        401.5     409.9     410.9     417.8     415.3     388.7     400.6     398.3     409.9      392.7      406.9      415.3
  25    Net due to related foreign offices                 263.5     257.2     253.6     244.4     248.9     243.8     236.4     229.3     236.7      226.1      224.6      225.3

  26  Other liabilities                                    230.2     226.4     218.7     218.6     218.6     238.3     252.3     252.6     245.5      249.2      250.8      260.8

  27  TOTAL LIABILITIES                                  3,846.3   3,917.8   3,908.8   3,932.3   3,962.1   3,974.1   4,031.8   4,046.5   4,037.2    4,066.9    4,062.4    4,080.0

  28  Residual (assets less liabilities) (7)               350.7     371.4     385.0     361.1     353.3     358.8     361.4     362.8     361.0      364.2      351.5      354.8


 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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        3,617.3   3,677.8   3,678.5   3,674.7   3,694.0   3,716.8   3,744.4   3,768.0   3,765.2    3,774.7    3,785.9    3,797.6

  2     Securities in bank credit                          991.8     991.1     980.7     976.5     969.2     967.8     978.7     976.0     973.2      973.1      972.5      986.0
  3        U.S. government securities                      706.0     708.6     705.4     704.5     703.7     700.2     704.4     699.6     700.2      695.7      695.4      700.0
  4        Other securities                                285.8     282.5     275.3     272.0     265.5     267.6     274.3     276.4     273.1      277.4      277.1      286.0

  5     Loans and leases in bank credit (2)              2,625.5   2,686.7   2,697.9   2,698.2   2,724.8   2,749.0   2,765.8   2,792.0   2,792.0    2,801.6    2,813.3    2,811.6
  6        Commercial and industrial                       714.6     741.5     744.2     741.2     754.1     765.8     773.1     782.4     782.3      786.9      787.3      785.7
  7        Real estate                                   1,082.2   1,101.9   1,103.6   1,109.5   1,113.7   1,117.3   1,123.3   1,129.6   1,129.2    1,128.4    1,132.6    1,133.3
  8          Revolving home equity                          79.2      79.2      80.0      80.8      81.7      83.0      83.9      85.2      85.2       85.3       85.5       85.5
  9          Other                                       1,003.1   1,022.7   1,023.6   1,028.8   1,032.0   1,034.3   1,039.4   1,044.4   1,044.0    1,043.1    1,047.1    1,047.9
  10        Consumer                                       498.9     506.3     510.3     514.5     519.0     518.1     518.9     524.9     523.9      529.0      530.6      529.4
  11        Security (3)                                    86.9      79.5      76.6      70.8      73.1      76.9      79.2      80.7      82.4       83.4       82.0       83.0
  12       Other loans and leases                          242.9     257.5     263.1     262.2     264.9     271.0     271.3     274.4     274.2      273.9      280.9      280.1

  13  Interbank loans                                      206.1     204.5     194.5     192.9     199.5     197.8     215.8     212.7     213.5      207.1      215.1      205.8

  14  Cash assets (4)                                      238.2     215.1     216.8     212.3     220.8     223.0     235.7     244.4     244.0      246.9      273.4      247.4

  15  Other assets (5)                                     225.7     239.8     250.4     257.1     259.4     251.3     259.7     269.0     266.2      268.3      272.5      247.8

  16  TOTAL ASSETS (6)                                   4,230.6   4,280.0   4,283.1   4,279.4   4,315.8   4,331.2   4,397.8   4,436.0   4,430.9    4,439.2    4,488.8    4,441.0

         L I A B I L I T I E S

  17  Deposits                                           2,702.1   2,717.9   2,725.3   2,740.9   2,776.8   2,808.3   2,861.5   2,912.7   2,889.0    2,915.7    2,982.3    2,926.4
  18    Transaction                                        811.0     743.5     734.8     720.4     724.7     717.9     734.8     757.1     738.6      764.6      818.0      760.6
  19    Nontransaction                                   1,891.1   1,974.4   1,990.5   2,020.5   2,052.1   2,090.4   2,126.6   2,155.6   2,150.4    2,151.0    2,164.3    2,165.8
  20       Large time                                      420.4     444.1     451.7     459.7     470.2     485.5     495.1     509.7     509.2      513.4      511.9      509.4
  21       Other                                         1,470.7   1,530.4   1,538.8   1,560.8   1,581.9   1,604.9   1,631.5   1,645.9   1,641.1    1,637.6    1,652.4    1,656.4

  22  Borrowings                                           693.0     721.6     713.0     707.5     709.5     672.2     690.4     691.0     710.8      692.6      688.6      689.1
  23    From banks in the U.S.                             298.4     305.2     291.5     287.2     286.5     282.8     296.0     302.2     305.6      302.4      297.4      293.3
  24    From others                                        394.6     416.4     421.5     420.3     423.0     389.3     394.4     388.8     405.2      390.2      391.2      395.8
  25    Net due to related foreign offices                 264.2     249.5     251.8     243.4     245.1     245.1     233.7     227.6     229.6      229.5      231.1      231.1

  26  Other liabilities                                    225.3     227.1     218.2     218.1     218.7     238.3     252.3     252.6     245.5      249.2      250.8      260.8

  27  TOTAL LIABILITIES                                  3,884.6   3,916.2   3,908.3   3,909.9   3,950.1   3,964.0   4,037.8   4,084.0   4,075.0    4,087.0    4,152.8    4,107.4

  28  Residual (assets less liabilities) (7)               345.9     363.9     374.7     369.6     365.7     367.2     360.0     352.0     356.0      352.2      336.1      333.6

                       MEMO
  29  Reval. gains on off-bal. sheet items (8)                --        --        --        --        --      68.3      71.4      74.9      71.4       77.9       76.5       82.2
  30  Reval. losses on off-bal. sheet items (8)               --        --        --        --        --      58.2      60.4      63.7      58.6       66.1       68.6       71.3

 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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        3,172.0   3,214.7   3,219.3   3,210.9   3,226.1   3,234.6   3,241.2   3,256.6   3,250.7    3,265.2    3,270.2    3,286.1

  2     Securities in bank credit                          855.6     838.1     836.2     823.7     822.5     821.6     822.3     823.3     820.8      823.8      824.6      833.5
  3        U.S. government securities                      643.5     629.4     628.3     620.2     619.9     618.5     617.4     615.6     614.4      614.1      617.3      622.4
  4        Other securities                                212.1     208.7     207.9     203.5     202.6     203.2     204.9     207.7     206.4      209.7      207.3      211.1

  5     Loans and leases in bank credit (2)              2,316.4   2,376.5   2,383.1   2,387.2   2,403.6   2,412.9   2,419.0   2,433.4   2,429.9    2,441.3    2,445.6    2,452.6
  6        Commercial and industrial                       534.8     548.5     550.7     552.8     560.6     563.3     564.4     568.9     567.5      570.3      571.9      569.3
  7        Real estate                                   1,041.5   1,070.1   1,070.7   1,076.9   1,078.9   1,080.7   1,084.1   1,091.6   1,090.8    1,091.6    1,096.8    1,098.5
  8          Revolving home equity                          79.1      79.2      79.8      80.5      81.2      82.3      83.4      85.1      85.1       85.4       85.6       85.5
  9          Other                                         962.4     990.9     990.9     996.4     997.8     998.4   1,000.8   1,006.5   1,005.7    1,006.2    1,011.2    1,013.0
  10        Consumer                                       493.1     510.0     513.0     514.3     517.9     517.5     518.1     518.7     517.6      520.3      521.2      522.1
  11        Security (3)                                    56.4      46.8      45.9      41.9      44.1      43.8      43.1      44.4      44.9       47.7       43.0       48.1
  12       Other loans and leases                          190.6     201.0     202.8     201.2     202.1     207.5     209.2     209.8     209.1      211.3      212.6      214.6

  13  Interbank loans                                      173.6     184.1     178.0     181.4     185.5     181.2     192.6     179.4     175.1      181.5      172.6      174.8

  14  Cash assets (4)                                      193.1     191.4     191.3     194.0     192.1     193.4     200.6     197.9     197.1      205.4      196.0      214.5

  15  Other assets (5)                                     178.8     200.4     210.5     215.1     219.8     218.0     226.0     233.2     232.1      234.2      233.8      211.3

  16  TOTAL ASSETS (6)                                   3,661.1   3,733.4   3,741.8   3,743.9   3,766.0   3,769.4   3,802.9   3,809.6   3,797.7    3,828.7    3,814.7    3,828.8

         L I A B I L I T I E S

  17  Deposits                                           2,503.6   2,549.5   2,552.4   2,572.8   2,591.8   2,605.0   2,640.4   2,662.6   2,639.3    2,680.9    2,686.8    2,672.7
  18    Transaction                                        765.5     739.3     731.3     723.7     716.1     708.9     712.4     712.8     694.8      730.6      726.0      723.5
  19    Nontransaction                                   1,738.1   1,810.2   1,821.1   1,849.0   1,875.7   1,896.0   1,928.0   1,949.8   1,944.5    1,950.3    1,960.9    1,949.1
  20       Large time                                      269.9     283.2     287.1     292.1     297.6     295.4     300.5     305.1     304.9      304.4      309.8      302.7
  21       Other                                         1,468.2   1,527.0   1,534.0   1,557.0   1,578.1   1,600.6   1,627.5   1,644.7   1,639.7    1,645.9    1,651.0    1,646.4

  22  Borrowings                                           571.5     582.9     579.4     584.4     595.2     565.7     570.0     558.5     572.4      562.8      556.7      572.3
  23    From banks in the U.S.                             250.2     270.5     262.5     262.8     268.2     258.7     258.6     246.7     248.2      260.3      237.3      246.9
  24    From others                                        321.3     312.5     316.9     321.6     327.1     306.9     311.4     311.7     324.2      302.6      319.3      325.4
  25    Net due to related foreign offices                  91.4      80.6      78.0      73.9      74.0      78.6      69.6      68.0      68.7       72.2       64.4       63.4

  26  Other liabilities                                    145.4     157.1     151.4     153.1     153.1     165.8     172.3     172.0     167.6      170.0      172.6      179.2

  27  TOTAL LIABILITIES                                  3,311.8   3,370.1   3,361.2   3,384.1   3,414.1   3,415.0   3,452.2   3,461.1   3,448.1    3,485.9    3,480.6    3,487.6

  28  Residual (assets less liabilities) (7)               349.3     363.3     380.5     359.7     351.9     354.4     350.7     348.6     349.6      342.8      334.2      341.2


 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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        3,178.0   3,214.9   3,211.5   3,207.7   3,228.6   3,236.7   3,248.1   3,262.8   3,260.6    3,267.4    3,279.4    3,284.2

  2     Securities in bank credit                          849.1     841.4     832.3     825.8     824.0     819.9     820.7     817.1     815.5      814.2      815.9      825.0
  3        U.S. government securities                      639.7     630.6     626.3     622.1     622.0     618.4     617.2     613.6     614.2      609.7      611.0      614.9
  4        Other securities                                209.4     210.8     206.0     203.6     202.0     201.5     203.5     203.4     201.4      204.5      204.8      210.0

  5     Loans and leases in bank credit (2)              2,328.9   2,373.5   2,379.2   2,381.9   2,404.6   2,416.8   2,427.5   2,445.7   2,445.1    2,453.2    2,463.5    2,459.2
  6        Commercial and industrial                       532.8     551.0     550.7     548.6     556.4     560.9     563.4     565.8     565.0      567.6      570.6      566.4
  7        Real estate                                   1,046.3   1,068.8   1,070.6   1,076.4   1,080.7   1,083.8   1,089.7   1,096.5   1,096.1    1,095.5    1,099.8    1,100.2
  8          Revolving home equity                          79.2      79.2      80.0      80.8      81.7      83.0      83.8      85.2      85.2       85.3       85.5       85.5
  9          Other                                         967.1     989.6     990.7     995.7     999.0   1,000.8   1,005.8   1,011.3   1,011.0    1,010.2    1,014.3    1,014.7
  10        Consumer                                       498.9     506.3     510.3     514.5     519.0     518.1     518.9     524.9     523.9      529.0      530.6      529.4
  11        Security (3)                                    57.0      47.0      44.6      41.0      44.0      44.0      44.5      45.1      47.1       47.5       42.5       45.9
  12        Other loans and leases                          193.9     200.4     203.0     201.5     204.5     210.0     211.0     213.4     213.0      213.6      220.1      217.4

  13  Interbank loans                                      184.6     182.1     175.3     176.5     179.4     178.0     196.0     191.1     189.7      186.7      187.4      185.6

  14  Cash assets (4)                                      208.1     188.6     188.6     183.8     192.1     193.9     205.4     212.9     212.9      214.8      242.0      215.9

  15  Other assets (5)                                     178.2     200.2     211.9     216.0     220.9     218.5     224.0     232.1     230.7      232.6      236.7      210.9

  16  TOTAL ASSETS (6)                                   3,692.1   3,728.6   3,730.1   3,726.5   3,763.2   3,769.5   3,815.9   3,841.1   3,836.1    3,843.8    3,887.6    3,839.1

         L I A B I L I T I E S

  17  Deposits                                           2,534.0   2,544.1   2,547.8   2,562.1   2,591.1   2,604.4   2,653.1   2,688.0   2,663.5    2,685.4    2,756.5    2,700.2
  18    Transaction                                        800.5     733.1     724.1     710.2     714.5     707.1     724.0     745.5     727.0      753.0      804.8      749.6
  19    Nontransaction                                   1,733.5   1,811.0   1,823.6   1,852.0   1,876.6   1,897.3   1,929.1   1,942.6   1,936.5    1,932.4    1,951.7    1,950.5
  20       Large time                                      265.5     283.1     287.2     293.4     296.9     294.9     300.1     299.6     299.3      297.1      301.6      298.6
  21       Other                                         1,467.9   1,528.0   1,536.4   1,558.5   1,579.6   1,602.4   1,629.0   1,642.9   1,637.2    1,635.2    1,650.1    1,651.9

  22  Borrowings                                           583.6     587.1     582.4     573.9     585.9     559.0     567.8     569.0     589.6      569.9      568.2      570.5
  23    From banks in the U.S.                             266.7     270.6     259.3     252.1     253.1     251.1     259.5     264.3     267.4      267.7      261.5      260.9
  24    From others                                        316.9     316.5     323.1     321.8     332.9     308.0     308.3     304.7     322.3      302.2      306.7      309.6
  25    Net due to related foreign offices                  89.3      79.3      76.9      72.2      70.8      77.9      67.9      65.6      65.5       71.9       59.1       59.1

  26  Other liabilities                                    143.5     157.5     151.4     151.7     153.0     165.8     172.3     172.0     167.6      170.0      172.6      179.2

  27  TOTAL LIABILITIES                                  3,350.4   3,368.1   3,358.5   3,360.0   3,400.9   3,407.1   3,461.1   3,494.5   3,486.1    3,497.2    3,556.4    3,509.0

  28  Residual (assets less liabilities) (7)               341.7     360.5     371.7     366.6     362.3     362.5     354.8     346.6     350.0      346.6      331.2      330.2

                        MEMO
  29  Reval. gains on off-bal. sheet items (8)                --        --        --        --        --      32.4      33.1      36.2      33.9       39.3       37.5       41.9
  30  Reval. losses on off-bal. sheet items (8)               --        --        --        --        --      28.9      28.9      31.8      27.5       34.2       36.4       38.3
  31  Mortgage-backed securities (9)                          --        --        --        --        --     236.3     238.4     242.0     242.0      242.5      244.7      243.9

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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        1,829.2   1,820.0   1,814.1   1,796.6   1,804.4   1,807.1   1,808.4   1,815.3   1,809.9    1,823.9    1,821.4    1,833.9

  2     Securities in bank credit                          452.5     426.2     422.0     409.3     407.4     407.1     409.6     409.5     407.3      410.6      409.2      415.6
  3        U.S. government securities                      318.2     297.3     294.1     285.8     284.9     284.8     285.6     283.0     281.8      282.4      284.2      287.2
  3a         Trading account                                23.3      20.9      20.8      19.5      20.6      21.3      21.8      19.2      17.3       17.2       17.2       20.1
  3b         Investment account                            294.9     276.4     273.2     266.4     264.3     263.5     263.8     263.9     264.5      265.2      266.9      267.1
  4        Other securities                                134.3     128.9     128.0     123.5     122.5     122.3     124.0     126.4     125.5      128.2      125.0      128.4
  4a         Trading account                                62.6      58.4      59.6      57.7      57.1      55.7      57.8      58.6      57.5       59.6       57.5       61.4
  4b         Investment account                             71.7      70.5      68.3      65.8      65.4      66.6      66.2      67.8      68.0       68.6       67.5       67.0
  4c         State and local government                     21.8      20.6      20.6      20.5      20.3      20.2      20.2      20.4      20.4       20.4       20.6       20.5
  4d         Other                                          49.8      49.9      47.7      45.3      45.1      46.4      46.0      47.4      47.5       48.2       47.0       46.5
  5     Loans and leases in bank credit (2)              1,376.7   1,393.8   1,392.1   1,387.3   1,396.9   1,400.0   1,398.8   1,405.9   1,402.6    1,413.3    1,412.2    1,418.3
  6        Commercial and industrial                       367.7     373.1     373.7     373.9     379.7     381.2     380.9     383.7     382.6      384.8      384.9      383.7
  7        Real estate                                     558.0     561.6     558.4     559.3     558.1     556.4     556.3     559.4     558.7      559.2      561.9      560.0
  8          Revolving home equity                          52.8      52.7      53.1      53.2      53.4      53.5      54.1      54.9      54.9       55.1       55.0       55.0
  9          Other                                         505.2     508.9     505.3     506.1     504.6     502.9     502.2     504.6     503.9      504.2      506.9      505.0
  10       Consumer                                        272.2     280.4     280.6     280.8     283.1     280.1     279.7     279.7     278.0      281.8      281.0      283.2
  11       Security (3)                                     50.7      41.6      40.9      36.8      38.9      38.8      37.8      39.1      39.7       42.3       37.7       42.9
  12a      State and local government                       11.6      11.1      11.2      11.1      10.8      10.8      11.1      11.3      11.2       11.2       11.2       11.1
  12b      All other                                       116.5     126.1     127.3     125.4     126.4     132.7     133.0     132.7     132.2      133.9      135.4      137.4

  13  Interbank loans                                      115.1     132.1     130.0     132.0     134.1     130.3     138.0     124.4     121.0      124.9      117.9      120.7

  14  Cash assets (4)                                      130.3     125.2     127.1     128.8     127.4     127.9     133.7     130.6     130.9      137.3      127.2      137.2

  15  Other assets (5)                                     128.0     150.2     155.2     159.2     162.3     159.7     165.2     172.6     170.7      173.2      176.8      164.8

  16  TOTAL ASSETS (6)                                   2,166.0   2,191.0   2,189.5   2,179.9   2,191.6   2,188.2   2,208.9   2,206.5   2,196.4    2,223.1    2,206.6    2,220.1

         L I A B I L I T I E S

  17  Deposits                                           1,307.2   1,336.6   1,340.9   1,344.8   1,349.1   1,355.0   1,366.1   1,372.3   1,356.2    1,389.7    1,377.4    1,365.7
  18    Transaction                                        430.6     412.0     409.9     401.6     392.1     386.8     386.8     384.9     371.0      400.4      390.3      377.6
  19    Nontransaction                                     876.6     924.6     931.0     943.2     957.0     968.3     979.3     987.5     985.2      989.3      987.0      988.0
  20       Large time                                      125.3     134.5     136.4     139.5     145.5     152.1     154.1     156.6     155.8      156.3      161.7      155.2
  21       Other                                           751.3     790.1     794.5     803.8     811.5     816.2     825.2     830.9     829.5      833.1      825.4      832.8

  22  Borrowings                                           433.1     427.4     417.4     415.7     426.8     402.9     409.2     401.5     413.4      405.9      399.4      411.4
  23    From banks in the U.S.                             176.7     185.5     184.4     182.3     185.9     172.9     176.5     171.0     172.6      181.9      163.1      169.1
  24    From others                                        256.5     241.9     233.0     233.4     240.9     230.0     232.6     230.5     240.8      224.0      236.2      242.4
  25    Net due to related foreign offices                  85.2      75.2      72.2      69.5      68.2      75.4      67.3      65.4      67.2       68.2       61.1       59.7

  26  Other liabilities                                    117.5     129.0     122.5     125.1     126.6     141.2     148.8     149.9     144.9      148.0      153.0      160.0

  27  TOTAL LIABILITIES                                  1,943.0   1,968.2   1,952.9   1,955.1   1,970.8   1,974.5   1,991.4   1,989.1   1,981.7    2,011.9    1,990.8    1,996.8

  28  Residual (assets less liabilities) (7)               223.0     222.9     236.6     224.8     220.8     213.7     217.6     217.4     214.6      211.2      215.8      223.3

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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        1,832.5   1,818.3   1,806.4   1,794.5   1,803.5   1,808.0   1,813.9   1,819.4   1,817.7    1,822.1    1,828.2    1,833.3

  2     Securities in bank credit                          447.3     427.2     418.8     412.9     409.1     407.4     409.8     404.6     403.1      400.8      402.1      409.1
  3        U.S. government securities                      315.7     296.1     292.4     289.1     287.1     286.7     287.3     282.4     282.6      277.8      279.6      281.5
  3a         Trading account                                21.9      19.6      19.9      20.9      21.0      22.0      22.7     18.3      17.3       14.5       14.7       17.7
  3b         Investment account                            293.8     276.5     272.5     268.2     266.2     264.7     264.6     264.0     265.3      263.4      264.9      263.8
  4        Other securities                                131.6     131.0     126.4     123.7     122.0     120.6     122.5     122.3     120.6      123.0      122.5      127.6
  4a         Trading account                                59.8      61.1      58.7      57.8      56.2      53.5      55.4      54.4      52.6       54.5       55.0       60.3
  4b         Investment account                             71.8      69.9      67.7      65.9      65.8      67.1      67.1      67.9      68.0       68.5       67.5       67.3
  4c         State and local government                     21.9      20.7      20.3      20.3      20.3      20.2      20.3      20.4      20.4       20.5       20.6       20.4
  4d         Other                                          49.9      49.2      47.4      45.6      45.5      46.9      46.8      47.5      47.6       48.1       46.9       46.8
  5     Loans and leases in bank credit (2)              1,385.2   1,391.1   1,387.7   1,381.6   1,394.4   1,400.7   1,404.1   1,414.8   1,414.5    1,421.3    1,426.0    1,424.2
  6        Commercial and industrial                       366.2     374.2     373.6     371.0     376.6     379.6     380.7     381.3     380.9      382.5      383.8      380.7
  7        Real estate                                     560.8     560.3     558.2     558.8     558.3     557.6     559.3     562.4     562.3      561.1      563.4      563.0
  8          Revolving home equity                          52.9      52.6      53.1      53.4      53.7      54.0      54.5      54.9      54.9       55.0       55.1       55.0
  9          Other                                         507.9     507.8     505.1     505.5     504.5     503.7     504.8     507.5     507.3      506.1      508.4      507.9
  10       Consumer                                        276.4     277.9     278.3     280.5     282.7     280.1     280.0     284.3     282.8      288.3      288.8      289.1
  11       Security (3)                                     51.1      41.9      39.7      35.9      38.9      38.9      39.0      39.5      41.6       42.0       36.9       40.2
  12a      State and local government                       11.5      11.1      11.2      11.2      10.9      10.9      11.2      11.2      11.2       11.2       11.1       10.9
  12b      All other                                       119.2     125.7     126.7     124.2     127.0     133.6     134.1     135.9     135.9      136.2      142.0      140.4

  13  Interbank loans                                      122.5     133.2     129.9     127.8     129.6     126.2     137.2     133.0     132.7      131.4      131.1      126.0

  14  Cash assets (4)                                      141.0     124.0     124.8     120.9     127.7     127.6     136.2     141.7     143.6      144.9      160.1      135.2

  15  Other assets (5)                                     127.8     151.2     156.6     159.9     162.7     159.7     163.8     172.1     170.8      173.7      175.7      164.1

  16  TOTAL ASSETS (6)                                   2,187.1   2,190.2   2,181.0   2,166.2   2,186.6   2,184.9   2,214.5   2,229.6   2,228.1    2,235.7    2,258.7    2,222.6

         L I A B I L I T I E S

  17  Deposits                                           1,328.2   1,334.7   1,337.5   1,338.2   1,349.1   1,352.4   1,373.4   1,389.7   1,374.3    1,392.8    1,426.7    1,381.3
  18    Tranlgdtion                                        453.4     409.0     404.4     391.9     392.2     384.2     393.9     406.9     394.3      416.2      445.0      390.1
  19    Nontranlgdtion                                     874.8     925.7     933.1     946.3     956.9     968.2     979.5     982.8     979.9      976.6      981.7      991.2
  20       Large time                                      122.6     134.5     136.8     141.0     144.7     151.2     153.7     152.9     151.9      151.1      156.0      153.0
  21       Other                                           752.1     791.3     796.3     805.3     812.2     817.0     825.8     829.9     828.0      825.5      825.7      838.2

  22  Borrowings                                           441.2     430.3     422.9     410.7     420.6     398.4     407.9     407.9     425.7      408.2      405.8      408.0
  23    From banks in the U.S.                             187.7     184.9     183.7     176.5     175.5     168.2     177.9     182.9     185.9      185.4      179.0      178.1
  24    From others                                        253.6     245.3     239.2     234.2     245.2     230.2     230.0     225.0     239.8      222.9      226.9      229.9
  25    Net due to related foreign offices                  83.0      74.1      71.2      67.8      65.0      74.5      65.8      62.8      63.8       67.8       55.3       55.3

  26  Other liabilities                                    115.8     129.4     122.7     123.7     126.3     141.2     148.8     149.9     144.9      148.0      153.0      160.0

  27  TOTAL LIABILITIES                                  1,968.1   1,968.5   1,954.4   1,940.4   1,961.0   1,966.6   1,995.8   2,010.3   2,008.7    2,016.8    2,040.8    2,004.6

  28  Residual (assets less liabilities) (7)               218.9     221.7     226.6     225.9     225.6     218.4     218.7     219.3     219.5      218.9      217.8      218.0

                        MEMO
  29  Reval. gains on off-bal. sheet itens(8)                 --        --        --        --        --      32.4      33.1      36.2      33.9       39.3       37.5       41.9
  30  Reval. losses on off-bal. sheet itens (8)               --        --        --        --        --      28.9      28.9      31.8      27.5       34.2       36.4       38.3
  31  Mortgage-backed securities (9)                          --        --        --        --        --     186.7     188.1     190.7     191.0      191.1      192.4      191.4

 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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        1,342.8   1,394.7   1,405.2   1,414.2   1,421.8   1,427.5   1,432.8   1,441.3   1,440.8    1,441.3    1,448.8    1,452.2

  2     Securities in bank credit                          403.1     412.0     414.2     414.4     415.0     414.5     412.7     413.8     413.5      413.2      415.5      417.9
  3        U.S. government securities                      325.2     332.1     334.3     334.3     335.0     333.6     331.8     332.5     332.6      331.7      333.1      335.2
  4        Other securities                                 77.8      79.8      80.0      80.0      80.0      80.9      80.9      81.2      80.9       81.5       82.3       82.7

  5     Loans and leases in bank credit (2)                939.7     982.7     991.0     999.9   1,006.7   1,013.0   1,020.2   1,027.5   1,027.3    1,028.1    1,033.4    1,034.3
  6        Commercial and industrial                       167.2     175.4     176.9     178.9     180.9     182.1     183.5     185.2     184.9      185.5      187.0      185.5
  7        Real estate                                     483.5     508.6     512.4     517.6     520.9     524.3     527.9     532.2     532.0      532.4      534.8      538.5
  8          Revolving home equity                          26.3      26.5      26.8      27.3      27.7      28.8      29.3      30.3      30.2       30.4       30.6       30.5
  9          Other                                         457.2     482.0     485.6     490.3     493.1     495.5     498.6     501.9     501.8      502.0      504.3      508.0
  10       Consumer                                        220.9     229.7     232.4     233.5     234.8     237.5     238.5     239.1     239.6      238.6      240.2      238.9
  11       Security (3)                                      5.7       5.3       5.0       5.1       5.2       5.1       5.3       5.3       5.2        5.4        5.3        5.2
  12       Other loans and leases                          62.5      63.8      64.2      64.7      64.9      64.0      65.0      65.8      65.6       66.2       66.0       66.1

  13  Interbank loans                                       58.5      52.0      48.0      49.4      51.4      50.9      54.5      55.1      54.1       56.5       54.8       54.1

  14  Cash assets (4)                                       62.8      66.3      64.2      65.2      64.7      65.5      66.9      67.3      66.3       68.1       68.8       77.2

  15  Other assets (5)                                      50.9      50.1      55.4      55.8      57.5      58.4      60.8      60.6      61.4       61.0       57.1       46.4

  16  TOTAL ASSETS (6)                                   1,495.1   1,542.4   1,552.3   1,564.0   1,574.4   1,581.2   1,593.9   1,603.1   1,601.3    1,605.6    1,608.1    1,608.7

         L I A B I L I T I E S

  17  Deposits                                           1,196.4   1,212.9   1,211.5   1,227.9   1,242.7   1,249.9   1,274.2   1,290.3   1,283.1    1,291.2    1,309.5    1,307.0
  18    Transaction                                        334.9     327.3     321.4     322.1     323.9     322.2     325.6     328.0     323.8      330.2      335.6      345.9
  19    Nontransaction                                     861.5     885.6     890.1     905.8     918.7     927.8     948.7     962.3     959.3      960.9      973.8      961.1
  20       Large time                                      144.6     148.8     150.6     152.6     152.1     143.4     146.4     148.5     149.1      148.1      148.2      147.5
  21       Other                                           716.9     736.8     739.5     753.2     766.6     784.4     802.3     813.8     810.2      812.9      825.7      813.6

  22  Borrowings                                           138.3     155.5     162.0     168.7     168.4     162.8     160.8     157.0     159.0      156.9      157.3      160.9
  23    From banks in the U.S.                              73.5      85.0      78.1      80.5      82.2      85.8      82.0      75.7      75.6       78.4       74.2       77.9
  24    From others                                         64.8      70.5      83.9      88.2      86.1      76.9      78.8      81.3      83.4       78.5       83.1       83.0
  25    Net due to related foreign offices                   6.2       5.4       5.8       4.4       5.8       3.3       2.3       2.6       1.5        3.9        3.4        3.7

  26  Other liabilities                                     27.9      28.1      29.0      28.0      26.5      24.6      23.5      22.0      22.7       21.9       19.6       19.2

  27  TOTAL LIABILITIES                                  1,368.8   1,401.9   1,408.3   1,429.1   1,443.4   1,440.5   1,460.8   1,471.9   1,466.3    1,474.0    1,489.7    1,490.7

  28  Residual (assets less liabilities) (7)               126.3     140.4     144.0     135.0     131.1     140.7     133.1     131.2     135.0      131.7      118.4      117.9


 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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                        1,345.5   1,396.6   1,405.1   1,413.2   1,425.0   1,428.7   1,434.2   1,443.4   1,442.9    1,445.2    1,451.2    1,450.9

  2     Securities in bank credit                          401.8     414.3     413.5     412.9     414.9     412.5     410.9     412.4     412.4      413.3      413.7      415.9
  3        U.S. government securities                      324.0     334.5     333.9     333.0     334.8     331.7     329.9     331.3     331.6      331.8      331.4      333.5
  4        Other securities                                 77.8      79.8      79.6      79.9      80.1      80.8      81.0      81.2      80.8       81.5       82.3       82.5

  5     Loans and leases in bank credit (2)                943.6     982.3     991.5   1,000.3   1,010.2   1,016.2   1,023.4   1,031.0   1,030.5    1,031.9    1,037.5    1,035.0
  6        Commercial and industrial                       166.6     176.8     177.0     177.6     179.8     181.3     182.7     184.5     184.1      185.2      186.8      185.7
  7        Real estate                                     485.5     508.4     512.5     517.6     522.4     526.2     530.4     534.1     533.9      534.3      536.3      537.2
  8          Revolving home equity                          26.3      26.6      26.9      27.4      28.0      29.0      29.4      30.2      30.2       30.3       30.4       30.4
  9          Other                                         459.2     481.9     485.6     490.2     494.4     497.2     501.0     503.8     503.6      504.0      505.9      506.8
  10       Consumer                                        222.5     228.4     232.0     234.0     236.3     238.0     239.0     240.6     241.2      240.8      241.8      240.3
  11       Security (3)                                      6.0       5.1       4.9       5.1       5.1       5.1       5.5       5.6       5.5        5.4        5.5        5.6
  12       Other loans and leases                           63.1      63.6      65.1      66.1      66.5      65.6      65.8      66.3      65.9       66.2       67.1       66.1

  13  Interbank loans                                       62.1      48.9      45.5      48.7      49.8      51.8      58.8      58.1      57.0       55.3       56.2       59.6

  14  Cash assets (4)                                       67.0      64.6      63.8      62.9      64.5      66.3      69.2      71.2      69.3       69.9       81.9       80.7

  15  Other assets (5)                                      50.4      48.9      55.3      56.1      58.2      58.9      60.2      60.0      59.9       58.9       61.0       46.7

  16  TOTAL ASSETS (6)                                   1,505.0   1,538.4   1,549.1   1,560.3   1,576.6   1,584.6   1,601.4   1,611.5   1,608.0    1,608.0    1,628.9    1,616.5

         L I A B I L I T I E S

  17  Deposits                                           1,205.8   1,209.4   1,210.2   1,223.9   1,242.0   1,252.0   1,279.7   1,298.4   1,289.2    1,292.6    1,329.8    1,318.9
  18    Transaction                                        347.1     324.1     319.8     318.2     322.4     322.9     330.2     338.6     332.7      336.8      359.8      359.5
  19    Nontransaction                                     858.7     885.3     890.5     905.7     919.7     929.1     949.5     959.8     956.5      955.8      970.0      959.3
  20       Large time                                      142.9     148.6     150.3     152.4     152.2     143.7     146.3     146.8     147.3      146.0      145.6      145.6
  21       Other                                           715.8     736.7     740.1     753.2     767.5     785.4     803.2     813.0     809.2      809.8      824.4      813.7

  22  Borrowings                                           142.4     156.9     159.5     163.2     165.3     160.6     160.0     161.1     164.0      161.6      162.4      162.5
  23    From banks in the U.S.                              79.1      85.7      75.5      75.7      77.6      82.9      81.6      81.4      81.5       82.4       82.5       82.8
  24    From others                                         63.3      71.2      83.9      87.6      87.7      77.7      78.4      79.7      82.5       79.3       79.9       79.7
  25    Net due to related foreign offices                   6.3       5.2       5.7       4.4       5.9       3.4       2.2       2.7       1.6        4.2        3.8        3.8

  26  Other liabilities                                     27.8      28.1      28.7      28.0      26.7      24.6      23.5      22.0      22.7       21.9       19.6       19.2

  27  TOTAL LIABILITIES                                  1,382.3   1,399.6   1,404.1   1,419.6   1,439.9   1,440.5   1,465.3   1,484.2   1,477.5    1,480.3    1,515.6    1,504.4

              MEMO
  28  Residual (assets less liabilities) (7)               122.7     138.8     145.0     140.7     136.7     144.1     136.1     127.3     130.5      127.7      113.3      112.2
  31  Mortgage-backed securities (9)                          --        --        --        --        --      49.7      50.2      51.3      50.9       51.4       52.3       52.5


 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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                          438.1     466.1     466.0     464.7     463.9     483.4     504.2     511.1     510.1      515.1      508.8      518.0

  2     Securities in bank credit                          146.4     151.6     147.4     148.6     144.0     146.9     164.2     170.4     168.5      173.7      168.0      171.1
  3        U.S. government securities                       67.1      79.0      79.3      81.1      82.3      82.5      88.3      88.7      87.4       91.8       88.3       85.9
  4        Other securities                                 79.3      72.5      68.2      67.5      61.7      64.4      75.9      81.6      81.0       81.9       79.7       85.2

  5     Loans and leases in bank credit (2)                291.7     314.5     318.5     316.1     319.9     336.5     340.0     340.7     341.6      341.4      340.8      346.9
  6        Commercial and industrial                       181.6     190.0     192.4     191.7     198.4     207.0     210.5     217.1     218.3      218.1      216.5      218.3
  7        Real estate                                      36.0      33.2      33.1      33.1      32.9      33.5      33.4      33.1      33.2       33.2       32.9       33.3
  11       Security (3)                                     26.7      34.7      33.2      30.8      29.3      34.8      35.6      31.8      31.4       32.6       34.0       34.8
  12       Other loans and leases                           47.5      56.5      59.8      60.5      59.2      61.3      60.4      58.7      58.8       57.5       57.4       60.5

  13  Interbank loans                                       20.1      24.3      19.3      16.9      19.5      18.5      20.4      20.4      23.6       19.4       23.4       19.4

  14  Cash assets (4)                                       30.5      25.7      27.7      27.8      27.8      28.7      30.7      31.8      31.7       31.7       31.2       32.1

  15  Other assets (5)                                      47.2      39.8      39.1      40.2      38.3      33.0      35.2      36.7      35.3       36.3       36.0       36.7

  16  TOTAL ASSETS (6)                                     535.8     555.8     552.0     549.5     549.5     563.4     590.3     599.7     600.5      602.4      599.3      605.9

         L I A B I L I T I E S

  17  Deposits                                             167.2     171.7     179.8     180.5     185.8     205.7     206.4     221.0     221.9      224.4      222.8      228.2
  18    Transaction                                         10.1      10.7      10.6      10.3       9.6      10.7      10.7      11.1      10.8       10.9       12.0       11.0
  19    Nontransaction                                     157.0     161.0     169.2     170.1     176.2     195.0     195.7     209.9     211.1      213.5      210.8      217.1
  20       Large time                                      151.6     161.0     166.8     168.4     173.8     191.9     193.2     205.4     205.1      210.0      206.9      213.1
  21       Other                                             5.5       0.0       2.4       1.7       2.3       3.1       2.5       4.6       5.9        3.4        3.9        4.1

  22  Borrowings                                           110.3     130.2     124.9     131.7     121.8     115.7     126.3     122.4     121.3      123.5      120.8      120.6
  23    From banks in the U.S.                              30.1      32.7      30.8      35.5      33.6      33.9      37.1      35.9      35.6       33.4       33.1       30.8
  24    From others                                         80.2      97.5      94.0      96.2      88.2      81.8      89.2      86.5      85.7       90.1       87.6       89.9
  25    Net due to related foreign offices                 172.2     176.6     175.6     170.5     174.9     165.1     166.8     161.3     168.0      154.0      160.2      162.0

  26  Other liabilities                                     84.8      69.2      67.3      65.5      65.5      72.6      80.1      80.7      77.9       79.2       78.2       81.6

  27  TOTAL LIABILITIES                                    534.4     547.7     547.5     548.2     548.0     559.0     579.6     585.5     589.1      581.1      581.9      592.4

  28  Residual (assets less liabilities) (7)                 1.4       8.1       4.5       1.3       1.5       4.4      10.8      14.3      11.3       21.3       17.4       13.6


 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
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec      Dec 18     Dec 25      Jan 1      Jan 8 
                                                        --------  --------  --------  --------  --------  --------  --------  --------   -------    -------    -------    -------
             A S S E T S

  1   Bank credit                                         439.3     462.9     467.0     467.0     465.4     480.1     496.3     505.2     504.6      507.4      506.5      513.4

  2     Securities in bank credit                         142.7     149.7     148.4     150.7     145.2     147.9     158.0     158.9     157.7      158.9      156.7      161.0
  3        U.S. government securities                      66.2      78.0      79.0      82.4      81.7      81.8      87.2      85.9      86.0       86.1       84.4       85.1
  3a         Trading account                                 --        --        --        --        --      18.6      21.8      20.0      19.3       19.1       19.4       17.3
  3b         Investment account                              --        --        --        --        --      63.2      65.4      65.9      66.6       67.0       65.0       67.7
  4        Other securities                                76.4      71.7      69.3      68.3      63.5      66.1      70.8      73.0      71.7       72.9       72.3       75.9
  4a         Trading account                                 --        --        --        --        --      47.8      51.7      53.8      52.3       53.6       53.3       53.7
  4b         Investment account                              --        --        --        --        --      18.4      19.0      19.2      19.4       19.3       18.9       22.2
  5     Loans and leases in bank credit (2)               296.7     313.2     318.7     316.3     320.2     332.2     338.3     346.3     346.9      348.4      349.8      352.4
  6        Commercial and industrial                      181.8     190.5     193.5     192.6     197.7     204.9     209.7     216.5     217.3      219.2      216.7      219.3
  7        Real estate                                     35.9      33.1      33.0      33.1      33.0      33.5      33.6      33.1      33.1       33.0       32.8       33.2
  11       Security (3)                                    29.8      32.5      32.0      29.8      29.1      32.9      34.7      35.6      35.4       35.9       39.5       37.2
  12       Other loans and leases                          49.0      57.1      60.1      60.7      60.4      60.9      60.3      61.0      61.2       60.3       60.8       62.7

  13  Interbank loans                                      21.5      22.4      19.2      16.4      20.1      19.8      19.8      21.6      23.8       20.4       27.7       20.2

  14  Cash assets (4)                                      30.2      26.6      28.2      28.5      28.7      29.1      30.3      31.4      31.1       32.1       31.4       31.5

  15  Other assets (5)                                     47.5      39.6      38.6      41.1      38.5      32.8      35.7      36.9      35.5       35.7       35.8       36.9

  16  TOTAL ASSETS (6)                                    538.5     551.4     553.0     552.9     552.6     561.6     581.9     594.9     594.8      595.4      601.3      601.8

         L I A B I L I T I E S

  17  Deposits                                            168.1     173.8     177.5     178.8     185.7     203.9     208.4     224.7     225.5      230.3      225.8      226.2
  18    Transaction                                        10.5      10.4      10.6      10.3      10.2      10.8      10.8      11.6      11.6       11.6       13.2       10.9
  19    Nontransaction                                    157.6     163.4     166.9     168.5     175.5     193.1     197.6     213.1     213.9      218.7      212.6      215.3
  20       Large time                                     154.9     161.0     164.5     166.3     173.2     190.6     195.0     210.1     210.0      216.3      210.3      210.8
  21       Other                                            2.7       2.4       2.4       2.3       2.3       2.5       2.5       3.0       3.9        2.4        2.3        4.5

  22  Borrowings                                          109.4     134.4     130.6     133.6     123.6     113.2     122.5     122.1     121.2      122.7      120.4      118.5
  23    From banks in the U.S.                             31.7      34.5      32.2      35.1      33.5      31.8      36.5      37.9      38.2       34.7       35.9       32.4
  24    From others                                        77.8      99.9      98.4      98.5      90.1      81.4      86.1      84.1      83.0       88.1       84.5       86.1
  25    Net due to related foreign offices                174.9     170.2     175.0     171.2     174.3     167.2     165.7     162.0     164.2      157.6      172.0      172.0

  26  Other liabilities                                    81.8      69.7      66.8      66.4      65.7      72.6      80.1      80.7      77.9       79.2       78.2       81.6

  27  TOTAL LIABILITIES                                   534.2     548.1     549.9     549.9     549.2     556.9     576.7     589.5     588.8      589.8      596.4      598.4

  28  Residual (assets less liabilities) (7)                4.2       3.3       3.1       3.0       3.4       4.8       5.2       5.5       6.0        5.6        4.9        3.4

                    MEMO
  29  Reval. gains on off-bal. sheet items (8)               --        --        --        --        --      35.9      38.4      38.7      37.5       38.5       39.0       40.3
  30  Reval. losses on off-bal. sheet items (8)              --        --        --        --        --      29.3      31.5      32.0      31.1       31.8       32.1       33.0



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    January 8, 1997.
                                                                            Federal Reserve Distict
                                                   National ___________________________________________________________
                                                    total         Boston    New York    Philadelphia   Cleveland  Richmond    Atlanta
               ASSETS
  1  Bank credit                                      1,833.3        91.9       346.0       104.3       162.1       180.2       205.8
  2     Securities in bank credit (14)                  409.1                                                                        
  3        U.S. government securities (14)              281.5                                                                        
  3a         Trading account (14)                        17.7                                                                        
  3b         Investment account                         263.8        15.4        79.4         5.1        24.9        28.1        27.3
  3c           Mortgage-backed                          164.3         6.8        55.6         2.1        14.5        15.8        16.3
  3d           Other                                     99.5         8.6        23.8         3.0        10.4        12.3        11.0
  3e             1 year or less                          24.7         3.2         3.8         0.9         1.4         3.6         2.4
  3f             Between 1 and 5 years                   56.4         4.8        14.2         1.7         4.2         7.6         6.8
  3g             More than 5 years                       18.4         0.7         5.8         0.4         4.8         1.2         1.7
  4        Other securities (14)                        127.6                                                                        
  4a         Trading account (14)                        60.3                                                                        
  4b         Investment account                          67.3         5.5        19.6         2.1         5.9         4.6         9.9
  4c           State and local government                20.4         1.9         6.5         0.6         0.8         1.0         2.0
  4d           Other                                     46.8         3.7        13.1         1.5         5.2         3.6         7.8
  5     Loans and leases in bank credit (2)           1,424.2        71.0       247.0        97.2       131.3       147.5       168.7
  6        Commerical and industrial                    380.7        26.0        64.2        15.1        37.6        35.1        37.5
  6a         Bankers accep and commercial paper           1.8         0.1         0.7         0.0         0.0         0.1         0.0
  6b         Other                                      378.8        25.9        63.5        15.1        37.5        35.0        37.5
  7        Real estate                                  563.0        20.0        97.0        27.9        48.4        73.7        82.0
  8          Revolving home equtiy                       55.0         3.2         7.7         3.3         5.7         6.9         5.9
  9a         Other residential                          326.0         8.7        60.3        20.0        30.2        45.6        48.9
  9b         Commercial                                 181.9         8.2        29.0         4.6        12.5        21.2        27.3
  10       Consumer                                     289.1         7.1        34.9        47.4        30.4        19.8        36.9
  11       Security (3)                                  40.2         8.6        15.7         0.1         0.9         4.0         1.1
  11a        Fed funds and RPs with broker/dealer        24.0         8.2         7.2         0.0         0.0         3.8         0.7
  11b        Other                                       16.3         0.4         8.6         0.1         0.9         0.2         0.4
  12a      State and local government                    10.9         0.2         1.5         0.7         1.2         2.1         2.1
  12b      Agricultural                                   7.8         0.0         0.2         0.1         0.2         0.4         0.5
  12c      Fed funds and RPs with others                  6.5         0.6         3.9         0.0         0.0         1.3         0.0
  12d      All other loans                               61.5         3.5        16.4         1.6         3.2         4.9         3.8
  12e      Lease financing receivables                   64.6         4.8        13.1         4.3         9.5         6.1         4.8
  13    Interbank loans                                 126.0         5.7        41.0         3.2         7.8        11.5        15.9
  13a     Fed funds and RPs with banks                   75.3         3.2        20.2         3.1         4.4         7.8        11.0
  13b     Other                                          50.7         2.5        20.8         0.1         3.4         3.7         4.9
  14    Cash assets(4)                                  135.2         7.3        26.4         5.4         8.7        10.4        13.9
  15    Other assets (12)                               195.2        15.4       112.0        12.8        14.1        32.7        15.4
  16    TOTAL ASSETS (6)                              2,253.7       118.7       513.2       123.6       189.8       232.4       248.1

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    January 8, 1997.

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

  17  Deposits                                        1,381.3        68.6       275.4        68.5       121.5       125.2       176.4
  18   Transaction                                      390.1        24.0        75.0        15.3        29.5        29.3        37.7
  19   Nontransaction                                   991.2        44.6       200.4        53.2        91.9        95.9       138.7
  20      Large time                                    153.0         7.3        40.2        11.0        10.3        13.3        19.9
  21      Other                                         838.2        37.4       160.3        42.2        81.6        82.6       118.8
  22  Borrowings                                        408.0        25.7        79.9        34.3        39.9        57.8        37.0
  23      From banks in the US                          178.1         6.7        24.0        16.1        15.2        25.9        21.6
  24      From others                                   229.9        19.0        56.0        18.2        24.7        31.9        15.4
  26  Other liabilities (13)                            246.4        14.3        92.4         9.3        14.5        33.5        14.2
  27  TOTAL LIABILITIES                               2,035.7       108.5       447.8       112.1       175.9       216.5       227.6

  28  Residual (assets less liabilities (13)            218.0        10.2        65.4        11.5        13.9        16.0        20.5

                        MEMO
  29  Reval. gains on off-bal. sheet items (8,14)        41.9                                                                        
  30  Reval. losses on off-bal. sheet items (8,14)       38.3                                                                        
  31  Mortgage-backed securities (9)                    191.4         7.6        60.4         3.3        19.8        17.4        22.2
  31a   Pass-through                                    132.2         5.6        47.4         1.7        12.2        14.1        13.8
  31b   CMO, REMIC and other                             59.2         2.0        13.0         1.5         7.6         3.3         8.4
  32  Net unrealized ganis (losses)                       2.7                                                                        
         on available-for-sale securities (10,14)
  33  Offshore credit to  U.S. residents (11,14)         30.9                                                                        

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    January 8, 1997.

                                                                            Federal Reserve Distict
                                                   ______________________________________________________________________
                                                       Chicago   St.Louis  Minneapolis   Kansac City    Dallas     San Francisco
               ASSETS
  1  Bank credit                                        188.4        41.5         40.7         26.3         69.2        298.7
  2     Securities in bank credit (14)                                                                                       
  3        U.S. government securities (14)                                                                                   
  3a         Trading account (14)                                                                                            
  3b         Investment account (14)                     25.4         7.8          2.7          6.6         12.3         28.9
  3c           Mortgage-backed                           12.1         4.7          1.8          4.3         10.2         20.2
  3d           Other                                     13.3         3.1          0.9          2.2          2.1          8.8
  3e             1 year or less                           6.2         0.8          0.1          0.4          0.2          1.7
  3f             Between 1 and 5 years                    5.7         1.8          0.5          1.5          1.7          5.9
  3g             More than 5 years                        1.4         0.5          0.2          0.3          0.3          1.1
  4        Other securities (14)                                                                                             
  4a         Trading account (14)                                                                                            
  4b         Investment accout (14)                       6.8         1.7          0.6          1.0          2.0          7.4
  4c           State and local government                 3.7         0.7          0.2          0.5          0.7          1.7
  4d           Other                                      3.1         1.0          0.4          0.5          1.3          5.7
  5     Loans and leases in bank credit (2)             156.2        32.0         37.3         18.7         54.9        262.4
  6        Commerical and industrial                     64.6         8.3          8.0          5.1         24.5         54.6
  6a         Bankers accep and commercial paper           0.2         0.0          0.0          0.1          0.0          0.6
  6b         Other                                       64.4         8.3          8.0          5.0         24.5         54.1
  7        Real estate                                   48.6        15.2          9.1          6.8         14.8        119.4
  8          Revolving home equtiy                        4.9         1.3          0.4          0.4          0.3         15.1
  9a         Other residential                           19.3        10.2          6.4          3.7         10.1         62.7
  9b         Commercial                                  24.4         3.7          2.2          2.6          4.5         41.6
  10       Consumer                                      24.0         5.2         15.9          4.7          9.6         53.2
  11       Security (3)                                   4.8         1.0          1.4          0.1          0.9          1.6
  11a        Fed funds and RPs with broker/dealer         1.1         0.7          1.0          0.0          0.6          0.6
  11b        Other                                        3.7         0.3          0.4          0.1          0.2          1.0
  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          4.9
  12c      Fed funds and RPs with others                  0.4         0.0          0.0          0.0          0.1          0.1
  12d      All other loans                                7.8         1.0          1.6          1.2          4.0         12.5
  12e      Lease financing receivables                    4.3         1.0          0.9          0.3          0.8         14.7
  13    Interbank loans                                   7.4         1.7          4.6          0.9          7.5         18.9
  13a     Fed funds and RPs with banks                    6.7         1.7          4.3          0.6          6.2          6.3
  13b     Other                                           0.7         0.1          0.3          0.3          1.3         12.6
  14    Cash assets(4)                                   15.4         3.1          2.2          2.7         11.2         28.3
  15    Other assets (12)                                19.4         3.3          2.8          1.3          6.5         37.7
  16    TOTAL ASSETS                                    227.7        49.1         49.5         30.9         93.6        377.2

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    January 8, 1997.

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

  17  Deposits                                          138.5        30.0         23.0         24.5         69.0        260.8
  18   Transaction                                       40.0         7.2          7.4          6.6         21.6         96.6
  19   Nontransaction                                    98.5        22.8         15.6         17.8         47.4        164.2
  20      Large time                                     17.2         2.2          1.4          1.5          4.6         24.1
  21      Other                                          81.3        20.6         14.2         16.3         42.9        140.1
  22  Borrowings                                         41.0        13.1         18.9          3.5         11.1         45.8
  23      From banks in the US                           17.1         9.0         15.4          2.1          3.2         21.7
  24      From others                                    23.9         4.1          3.5          1.4          7.9         24.1
  26  Other liabilities (13)                             26.7         2.5          3.6          0.8          5.5         29.3

  27  TOTAL LIABILITIES                                 206.2        45.6         45.5         28.7         85.6        335.9

  28  Residual (assets less liabilities (13)             21.5         3.5          4.0          2.2          8.0         41.3

                     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         5.4          1.9          5.0         10.8         23.6
  31a   Pass-through                                      7.4         2.3          1.7          3.6          9.1         13.4
  31b   CMO, REMIC and other                              6.7         3.2          0.3          1.3          1.7         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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