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.