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 March 7, 1997 Account 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,628.4 3,682.5 3,674.5 3,693.0 3,718.7 3,743.1 3,770.6 3,806.1 3,832.4 3,840.2 3,850.3 3,843.4 2 Securities in bank credit 989.9 982.1 972.1 968.9 970.3 982.1 992.6 1,006.0 1,020.0 1,024.3 1,027.7 1,018.5 3 U.S. government securities 702.1 707.7 702.2 703.4 703.8 707.9 707.4 706.3 705.8 705.3 700.8 701.3 4 Other securities 287.8 274.5 269.9 265.5 266.5 274.2 285.2 299.7 314.2 319.0 326.9 317.2 5 Loans and leases in bank credit (2) 2,638.4 2,700.3 2,702.4 2,724.1 2,748.4 2,761.0 2,778.0 2,800.1 2,812.5 2,815.9 2,822.7 2,824.8 6 Commercial and industrial 721.8 744.7 746.9 761.0 770.7 776.4 787.0 791.1 795.0 797.3 803.2 804.1 7 Real estate 1,086.0 1,105.2 1,109.4 1,112.2 1,115.9 1,120.6 1,125.8 1,131.7 1,135.5 1,137.6 1,136.9 1,134.9 8 Revolving home equity 79.4 79.9 80.5 81.2 83.2 84.2 85.3 85.8 86.2 86.2 86.4 86.5 9 Other 1,006.5 1,025.3 1,028.9 1,030.9 1,032.7 1,036.5 1,040.5 1,045.9 1,049.3 1,051.4 1,050.5 1,048.4 10 Consumer 497.5 510.7 512.8 515.8 518.2 518.9 519.1 521.1 518.5 518.5 519.8 520.7 11 Security (3) 88.1 78.1 72.3 73.8 76.6 77.4 79.0 82.7 86.4 84.3 81.3 82.7 12 Other loans and leases 245.1 261.6 261.0 261.4 266.9 267.8 267.1 273.6 277.1 278.3 281.5 282.3 13 Interbank loans 203.6 196.9 197.6 205.3 203.9 212.4 204.6 198.2 205.1 201.9 201.7 205.1 14 Cash assets (4) 230.0 220.0 223.3 224.2 226.2 232.9 232.4 232.1 226.9 228.9 239.2 235.9 15 Other assets (5) 230.9 252.6 257.8 260.1 254.5 262.0 271.7 266.4 269.6 276.0 281.7 277.6 16 TOTAL ASSETS (6) 4,236.2 4,294.5 4,295.8 4,323.8 4,338.3 4,385.7 4,414.6 4,438.8 4,470.4 4,483.4 4,508.6 4,505.7 L I A B I L I T I E S 17 Deposits 2,681.2 2,733.3 2,751.0 2,772.2 2,782.2 2,822.7 2,859.1 2,876.5 2,901.9 2,885.8 2,921.3 2,898.9 18 Transaction 780.3 741.7 733.3 725.4 715.3 719.7 719.1 715.2 711.8 696.3 725.5 702.8 19 Nontransaction 1,900.9 1,991.6 2,017.6 2,046.8 2,066.9 2,103.0 2,140.0 2,161.3 2,190.1 2,189.5 2,195.8 2,196.1 20 Large time 421.4 453.1 458.8 471.7 480.1 490.5 509.5 520.1 531.3 533.0 537.8 532.1 21 Other 1,479.5 1,538.5 1,558.8 1,575.1 1,586.8 1,612.5 1,630.5 1,641.2 1,658.7 1,656.5 1,658.0 1,664.0 22 Borrowings 693.4 699.0 701.5 706.3 687.7 708.0 706.7 725.8 738.5 752.6 736.5 737.6 23 From banks in the U.S. 297.8 287.0 290.1 295.5 290.2 303.0 308.2 304.7 314.6 324.7 306.1 296.3 24 From others 395.6 412.1 411.4 410.8 397.5 405.0 398.6 421.1 424.0 428.0 430.4 441.2 25 Net due to related foreign offices 267.7 257.3 247.7 251.0 243.9 237.0 229.4 219.6 218.4 226.0 211.0 204.1 26 Other liabilities 235.2 223.0 222.2 221.8 244.1 253.4 261.2 271.1 282.7 292.0 296.5 286.4 27 TOTAL LIABILITIES 3,877.4 3,912.5 3,922.4 3,951.4 3,957.8 4,021.1 4,056.4 4,093.1 4,141.5 4,156.4 4,165.4 4,126.9 28 Residual (assets less liabilities) (7) 358.8 382.0 373.3 372.5 380.5 364.6 358.2 345.7 328.9 327.0 343.2 378.8 H.8 (510) pg.2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,626.7 3,679.6 3,675.7 3,695.4 3,720.4 3,747.4 3,769.3 3,804.4 3,831.4 3,838.2 3,838.8 3,828.7 2 Securities in bank credit 982.8 980.7 976.5 969.5 970.2 980.7 978.5 997.1 1,016.3 1,023.2 1,022.0 1,012.5 3 U.S. government securities 696.3 705.3 704.5 704.4 704.4 708.3 703.2 700.3 702.9 704.6 699.6 699.5 4 Other securities 286.4 275.4 271.9 265.1 265.8 272.4 275.3 296.8 313.4 318.7 322.4 313.1 5 Loans and leases in bank credit (2) 2,643.9 2,698.9 2,699.2 2,725.8 2,750.2 2,766.7 2,790.8 2,807.2 2,815.1 2,815.0 2,816.8 2,816.2 6 Commercial and industrial 719.7 745.8 743.0 755.9 767.1 774.5 784.0 788.8 794.8 796.8 801.9 804.0 7 Real estate 1,087.6 1,105.3 1,110.9 1,115.2 1,119.1 1,124.9 1,130.7 1,133.7 1,135.0 1,136.7 1,132.7 1,129.6 8 Revolving home equity 79.4 80.0 80.8 81.8 83.7 84.6 85.4 85.8 85.9 86.0 86.0 86.0 9 Other 1,008.2 1,025.3 1,030.1 1,033.4 1,035.3 1,040.3 1,045.3 1,047.9 1,049.1 1,050.8 1,046.7 1,043.6 10 Consumer 502.5 508.7 513.1 517.9 518.4 519.3 523.8 526.7 521.3 520.2 520.5 519.7 11 Security (3) 87.1 76.6 70.8 73.0 76.5 78.8 80.3 81.9 86.5 85.1 82.7 84.3 12 Other loans and leases 247.1 262.5 261.3 263.8 269.2 269.2 272.1 276.2 277.4 276.1 279.0 278.6 13 Interbank loans 213.0 194.5 192.9 199.6 198.7 216.7 213.9 207.9 215.6 208.9 205.3 202.8 14 Cash assets (4) 240.7 216.8 212.3 221.5 227.1 239.9 248.6 242.5 223.6 220.7 252.2 239.5 15 Other assets (5) 231.2 254.2 260.8 262.6 251.9 260.8 271.5 267.0 273.6 275.8 279.9 276.1 16 TOTAL ASSETS (6) 4,255.1 4,287.9 4,284.2 4,320.0 4,333.2 4,399.8 4,438.6 4,457.9 4,480.5 4,479.9 4,511.7 4,491.0 L I A B I L I T I E S 17 Deposits 2,686.7 2,724.7 2,740.4 2,772.8 2,787.0 2,839.8 2,891.3 2,880.4 2,891.0 2,866.4 2,909.5 2,878.1 18 Transaction 792.7 734.8 720.4 723.9 713.0 729.9 752.2 726.6 708.3 684.1 723.9 691.6 19 Nontransaction 1,893.9 1,990.0 2,020.0 2,048.9 2,074.0 2,109.9 2,139.1 2,153.7 2,182.8 2,182.2 2,185.6 2,186.5 20 Large time 418.8 450.5 459.1 469.8 485.5 495.0 509.6 516.8 528.0 531.3 534.1 531.8 21 Other 1,475.1 1,539.4 1,560.9 1,579.2 1,588.5 1,614.8 1,629.5 1,637.0 1,654.8 1,650.9 1,651.4 1,654.6 22 Borrowings 691.6 712.6 707.2 710.6 680.0 697.8 699.1 720.2 725.4 722.8 724.5 730.3 23 From banks in the U.S. 296.5 296.0 295.4 297.9 283.6 296.8 302.9 298.9 300.6 298.4 297.2 297.2 24 From others 395.2 416.6 411.8 412.6 396.4 401.0 396.2 421.3 424.8 424.5 427.3 433.1 25 Net due to related foreign offices 277.3 251.9 243.4 245.2 245.4 234.2 228.3 230.0 220.8 232.2 225.0 225.0 26 Other liabilities 233.3 221.8 221.6 222.4 243.2 257.2 257.1 268.3 284.0 295.3 297.0 288.6 27 TOTAL LIABILITIES 3,888.9 3,911.0 3,912.6 3,950.9 3,955.6 4,028.9 4,075.7 4,098.8 4,121.3 4,116.6 4,156.0 4,122.0 28 Residual (assets less liabilities) (7) 366.2 376.9 371.6 369.1 377.6 370.9 362.9 359.1 359.2 363.4 355.8 369.0 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- 62.3 65.5 69.5 88.4 99.0 104.7 107.6 100.1 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- 58.3 60.5 64.3 84.2 93.8 100.7 102.9 94.7 H.8 (510) pg.3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,186.1 3,215.9 3,210.0 3,225.4 3,236.8 3,246.1 3,260.3 3,283.8 3,298.9 3,300.1 3,308.9 3,303.8 2 Securities in bank credit 849.1 833.9 824.6 822.4 820.9 822.4 825.2 834.0 842.9 842.8 846.3 840.1 3 U.S. government securities 639.0 627.6 621.3 620.4 620.7 619.8 618.2 623.2 621.3 618.5 614.0 613.7 4 Other securities 210.1 206.2 203.3 201.9 200.1 202.6 207.0 210.8 221.7 224.3 232.2 226.4 5 Loans and leases in bank credit (2) 2,337.0 2,382.0 2,385.5 2,403.1 2,416.0 2,423.7 2,435.1 2,449.7 2,456.0 2,457.4 2,462.6 2,463.7 6 Commercial and industrial 539.0 550.6 552.6 560.3 563.6 565.4 569.6 571.1 574.3 575.1 578.3 580.0 7 Real estate 1,050.8 1,072.2 1,076.4 1,079.4 1,083.1 1,087.9 1,093.3 1,099.1 1,102.6 1,104.7 1,103.9 1,102.0 8 Revolving home equity 79.4 79.9 80.5 81.2 83.2 84.2 85.3 85.8 86.2 86.2 86.4 86.5 9 Other 971.4 992.2 995.8 998.1 999.8 1,003.7 1,008.0 1,013.4 1,016.4 1,018.5 1,017.5 1,015.5 10 Consumer 497.5 510.7 512.8 515.8 518.2 518.9 519.1 521.1 518.5 518.5 519.8 520.7 11 Security (3) 55.0 46.0 42.5 44.7 44.0 42.9 43.6 45.4 46.6 45.1 44.2 44.8 12 Other loans and leases 194.7 202.5 201.3 203.0 207.1 208.6 209.5 212.9 214.0 214.1 216.5 216.2 13 Interbank loans 180.6 177.7 181.2 185.0 183.0 191.5 181.8 174.3 182.8 179.5 180.0 180.4 14 Cash assets (4) 199.4 191.9 194.8 194.7 196.4 201.8 200.9 200.2 194.2 195.4 204.8 201.6 15 Other assets (5) 181.8 209.8 214.1 219.0 220.6 225.5 234.2 227.0 227.6 233.5 238.9 235.2 16 TOTAL ASSETS (6) 3,691.2 3,737.9 3,742.8 3,765.5 3,772.0 3,800.3 3,812.8 3,821.5 3,840.1 3,845.0 3,868.6 3,864.9 L I A B I L I T I E S 17 Deposits 2,514.7 2,553.7 2,570.7 2,586.3 2,584.4 2,617.7 2,637.9 2,645.7 2,662.9 2,643.4 2,673.8 2,650.4 18 Transaction 769.5 731.0 722.9 715.7 704.8 709.2 708.3 704.3 701.7 686.4 714.1 692.8 19 Nontransaction 1,745.2 1,822.7 1,847.9 1,870.6 1,879.6 1,908.6 1,929.6 1,941.4 1,961.2 1,957.0 1,959.7 1,957.6 20 Large time 270.8 287.8 292.2 298.9 295.4 299.6 303.0 303.0 306.1 306.5 308.3 306.7 21 Other 1,474.4 1,535.0 1,555.7 1,571.7 1,584.3 1,608.9 1,626.6 1,638.5 1,655.1 1,650.5 1,651.4 1,650.9 22 Borrowings 579.7 576.0 572.9 583.5 568.9 579.7 581.4 594.4 596.4 611.5 589.1 587.2 23 From banks in the U.S. 268.2 256.2 255.6 261.5 256.8 267.6 272.0 273.4 275.8 289.6 267.1 257.9 24 From others 311.4 319.8 317.3 322.0 312.2 312.2 309.4 321.1 320.6 321.9 322.0 329.2 25 Net due to related foreign offices 91.4 79.1 74.5 74.7 76.6 70.9 68.9 72.0 76.4 85.0 76.2 71.2 26 Other liabilities 156.6 151.1 152.8 153.1 169.3 173.3 177.8 179.8 183.8 184.9 192.5 190.5 27 TOTAL LIABILITIES 3,342.4 3,360.0 3,370.9 3,397.6 3,399.2 3,441.6 3,466.0 3,492.0 3,519.5 3,524.8 3,531.7 3,499.3 28 Residual (assets less liabilities) (7) 348.7 378.0 371.9 367.9 372.8 358.7 346.8 329.5 320.5 320.3 336.8 365.6 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 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,185.3 3,211.7 3,207.8 3,229.2 3,239.8 3,250.8 3,263.3 3,285.1 3,297.0 3,295.2 3,298.3 3,290.8 2 Securities in bank credit 843.7 832.3 825.8 824.1 820.9 821.4 817.6 829.3 839.2 839.4 840.0 834.6 3 U.S. government securities 631.9 626.3 622.1 622.6 621.8 620.3 616.5 616.2 616.4 615.6 611.0 611.1 4 Other securities 211.8 206.0 203.6 201.6 199.1 201.1 201.1 213.0 222.8 223.9 229.0 223.5 5 Loans and leases in bank credit (2) 2,341.6 2,379.3 2,382.0 2,405.0 2,419.0 2,429.4 2,445.6 2,455.8 2,457.7 2,455.7 2,458.3 2,456.1 6 Commercial and industrial 537.0 550.7 548.6 556.4 561.2 563.7 566.1 569.0 573.9 574.0 577.7 580.0 7 Real estate 1,052.5 1,072.4 1,077.8 1,082.3 1,086.0 1,091.7 1,098.0 1,101.2 1,102.1 1,103.7 1,099.8 1,096.7 8 Revolving home equity 79.4 80.0 80.8 81.8 83.7 84.6 85.4 85.8 85.9 86.0 86.0 86.0 9 Other 973.0 992.4 997.0 1,000.5 1,002.3 1,007.1 1,012.6 1,015.4 1,016.2 1,017.8 1,013.8 1,010.7 10 Consumer 502.5 508.7 513.1 517.9 518.4 519.3 523.8 526.7 521.3 520.2 520.5 519.7 11 Security (3) 54.0 44.6 41.0 43.9 43.8 44.3 44.9 44.6 46.8 45.8 45.5 46.3 12 Other loans and leases 195.7 203.0 201.5 204.4 209.5 210.4 212.7 214.3 213.7 212.0 214.8 213.3 13 Interbank loans 189.9 175.3 176.6 179.3 177.7 195.8 191.1 184.1 193.4 186.5 183.6 178.0 14 Cash assets (4) 209.8 188.6 183.8 192.6 197.0 208.6 216.1 210.1 191.1 187.9 219.1 206.1 15 Other assets (5) 183.0 212.1 216.3 221.1 218.3 224.0 233.3 228.3 231.0 231.9 236.7 232.8 16 TOTAL ASSETS (6) 3,711.5 3,730.6 3,726.9 3,763.2 3,768.2 3,814.3 3,839.1 3,844.0 3,848.8 3,837.9 3,873.6 3,851.7 L I A B I L I T I E S 17 Deposits 2,519.9 2,547.2 2,561.6 2,587.2 2,583.8 2,632.2 2,667.3 2,649.5 2,654.2 2,626.8 2,667.5 2,631.9 18 Transaction 781.9 724.1 710.2 713.7 702.4 719.3 740.7 715.7 697.8 674.0 712.2 681.5 19 Nontransaction 1,738.0 1,823.1 1,851.5 1,873.5 1,881.4 1,912.9 1,926.6 1,933.8 1,956.4 1,952.9 1,955.2 1,950.4 20 Large time 269.4 286.6 292.9 296.6 295.2 300.3 299.7 301.7 308.0 309.9 311.5 309.3 21 Other 1,468.5 1,536.5 1,558.6 1,576.9 1,586.3 1,612.6 1,626.9 1,632.1 1,648.4 1,643.0 1,643.8 1,641.0 22 Borrowings 580.8 582.0 573.6 586.6 564.6 572.9 574.7 591.7 585.7 585.7 586.8 590.0 23 From banks in the U.S. 265.7 263.8 260.3 264.6 252.7 261.2 265.9 266.3 262.0 264.3 262.2 262.8 24 From others 315.1 318.2 313.3 322.0 311.9 311.7 308.8 325.4 323.7 321.4 324.6 327.2 25 Net due to related foreign offices 93.0 76.9 72.2 70.9 78.2 68.4 66.2 73.6 74.7 83.4 78.1 78.1 26 Other liabilities 155.4 151.6 151.8 153.7 170.0 176.4 175.1 177.8 183.0 184.8 191.7 189.7 27 TOTAL LIABILITIES 3,349.1 3,357.7 3,359.3 3,398.5 3,396.6 3,449.9 3,483.3 3,492.6 3,497.6 3,480.7 3,524.1 3,489.7 28 Residual (assets less liabilities) (7) 362.4 372.9 367.7 364.7 371.5 364.4 355.8 351.4 351.2 357.2 349.5 362.0 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- 32.4 33.1 36.2 47.4 53.8 55.4 58.7 54.6 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- 28.9 28.9 31.8 43.9 48.5 50.9 53.8 49.2 31 Mortgage-backed securities (9) -- -- -- -- 236.8 238.8 242.3 245.7 245.9 245.9 242.1 244.4 H.8 (510) pg.5 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars Account 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,823.9 1,801.9 1,788.2 1,797.1 1,806.5 1,809.7 1,817.8 1,831.5 1,846.8 1,847.6 1,853.9 1,849.9 2 Securities in bank credit 442.2 416.4 406.8 405.2 405.8 408.7 411.2 416.5 426.0 426.7 430.0 425.8 3 U.S. government securities 310.6 289.9 283.7 283.4 285.9 286.5 284.9 287.5 285.8 283.6 279.0 280.4 3a Trading account 21.3 20.8 20.2 20.9 21.2 21.5 19.4 17.2 16.6 17.2 15.7 15.1 3b Investment account 289.3 269.0 263.5 262.5 264.7 265.0 265.4 270.3 269.1 266.4 263.3 265.3 4 Other securities 131.6 126.5 123.2 121.8 119.9 122.2 126.3 129.0 140.2 143.1 151.1 145.4 4a Trading account 59.2 58.1 56.9 56.4 55.1 57.8 60.9 64.5 75.5 78.0 85.4 80.1 4b Investment account 72.4 68.5 66.2 65.5 64.8 64.4 65.5 64.5 64.8 65.1 65.7 65.2 4c State and local government 21.6 20.6 20.5 20.3 20.2 20.2 20.3 20.5 21.1 21.1 21.0 20.9 4d Other 50.8 47.9 45.8 45.1 44.5 44.2 45.2 44.1 43.7 44.0 44.7 44.3 5 Loans and leases in bank credit (2) 1,381.7 1,385.5 1,381.4 1,391.9 1,400.7 1,401.0 1,406.6 1,415.0 1,420.8 1,420.9 1,423.8 1,424.1 6 Commercial and industrial 367.9 371.7 372.7 378.9 381.6 381.9 384.5 385.2 387.2 387.5 390.1 391.5 7 Real estate 560.9 556.7 556.6 556.1 558.4 559.2 561.1 561.2 562.4 563.2 561.1 559.2 8 Revolving home equity 53.1 53.1 53.2 53.5 53.7 54.2 54.9 55.0 55.1 55.2 55.4 55.4 9 Other 507.9 503.7 503.4 502.6 504.7 505.0 506.2 506.3 507.3 508.0 505.7 503.9 10 Consumer 272.1 277.6 277.9 279.4 279.2 278.8 279.1 282.1 283.8 284.1 284.8 284.6 11 Security (3) 49.3 41.0 37.3 39.5 39.0 37.8 38.5 40.3 41.3 39.9 38.8 39.5 12a State and local government 11.4 11.2 11.1 10.8 10.9 11.1 11.3 11.1 11.0 11.0 11.1 11.0 12b All other 120.0 127.3 125.7 127.1 131.6 132.1 132.1 135.0 135.1 135.2 137.9 138.3 13 Interbank loans 119.7 130.1 131.9 133.8 132.0 137.9 126.8 119.9 125.8 123.1 121.8 122.9 14 Cash assets (4) 134.7 127.6 129.4 128.1 128.2 132.4 130.5 130.5 124.8 126.1 131.0 127.1 15 Other assets (5) 132.8 154.3 158.0 161.6 163.5 167.6 175.5 168.7 168.4 172.6 178.0 178.3 16 TOTAL ASSETS (6) 2,174.5 2,177.1 2,170.9 2,182.9 2,186.1 2,204.0 2,207.2 2,207.9 2,223.6 2,227.2 2,241.6 2,243.3 L I A B I L I T I E S 17 Deposits 1,322.9 1,335.0 1,339.1 1,345.6 1,355.1 1,366.5 1,373.6 1,366.1 1,371.8 1,355.7 1,373.3 1,354.9 18 Transaction 435.2 408.0 400.3 392.7 387.0 387.3 385.6 382.5 379.6 367.2 386.2 363.4 19 Nontransaction 887.7 926.9 938.8 952.9 968.1 979.1 987.9 983.6 992.2 988.5 987.1 991.5 20 Large time 125.0 136.9 139.8 146.5 151.8 153.4 155.1 153.4 155.6 156.0 157.3 156.0 21 Other 762.7 790.0 799.0 806.4 816.3 825.7 832.8 830.2 836.6 832.6 829.8 835.5 22 Borrowings 442.2 420.6 411.9 420.5 404.3 414.4 415.8 426.1 427.0 439.2 419.4 422.7 23 From banks in the U.S. 192.4 177.0 172.9 177.7 170.7 181.5 188.2 187.1 188.6 199.6 180.2 176.0 24 From others 249.8 243.6 239.0 242.7 233.6 232.9 227.6 239.0 238.4 239.5 239.2 246.8 25 Net due to related foreign offices 85.4 73.4 70.1 68.9 73.2 68.7 66.1 68.0 72.2 80.9 72.6 67.6 26 Other liabilities 124.9 123.4 125.7 126.3 141.2 146.2 151.9 155.5 160.1 160.5 169.0 166.8 27 TOTAL LIABILITIES 1,975.2 1,952.3 1,946.8 1,961.2 1,973.8 1,995.8 2,007.5 2,015.7 2,031.0 2,036.3 2,034.3 2,012.1 28 Residual (assets less liabilities) (7) 199.2 224.7 224.1 221.6 212.3 208.2 199.7 192.2 192.6 190.9 207.4 231.2 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 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,825.2 1,797.2 1,786.4 1,796.8 1,806.9 1,812.9 1,818.0 1,834.7 1,849.6 1,847.3 1,849.7 1,842.7 2 Securities in bank credit 438.3 415.6 409.9 406.7 406.9 409.3 404.1 413.2 424.6 424.5 425.9 421.5 3 U.S. government securities 304.8 289.3 286.2 285.0 288.1 288.7 283.6 281.8 282.8 281.5 277.7 278.9 3a Trading account 20.2 19.9 20.9 21.0 22.0 22.7 18.1 16.3 16.1 17.3 16.4 15.0 3b Investment account 284.7 269.4 265.3 264.1 266.1 266.0 265.5 265.5 266.7 264.2 261.3 263.9 4 Other securities 133.5 126.3 123.7 121.6 118.8 120.6 120.5 131.4 141.8 143.0 148.2 142.6 4a Trading account 60.6 58.7 57.8 56.1 53.5 55.4 54.4 66.4 76.7 77.8 82.5 77.4 4b Investment account 72.9 67.6 65.9 65.5 65.3 65.3 66.1 65.0 65.2 65.3 65.7 65.2 4c State and local government 21.6 20.2 20.3 20.3 20.2 20.3 20.4 20.5 21.0 21.1 21.0 20.9 4d Other 51.3 47.4 45.6 45.2 45.0 44.9 45.7 44.6 44.1 44.2 44.7 44.3 5 Loans and leases in bank credit (2) 1,386.9 1,381.5 1,376.4 1,390.2 1,400.1 1,403.5 1,413.9 1,421.5 1,425.0 1,422.8 1,423.8 1,421.2 6 Commercial and industrial 365.9 371.7 369.9 376.0 379.8 380.9 381.6 383.0 387.1 386.9 389.9 391.7 7 Real estate 563.0 556.5 556.9 556.9 559.1 560.8 563.9 563.6 563.8 564.6 559.9 556.6 8 Revolving home equity 53.1 53.1 53.4 53.7 54.0 54.5 54.9 55.1 55.1 55.1 55.2 55.1 9 Other 509.9 503.4 503.5 503.1 505.0 506.3 508.9 508.6 508.7 509.5 504.7 501.5 10 Consumer 276.2 275.7 278.3 280.6 278.7 278.6 283.0 286.8 285.3 284.4 284.6 283.4 11 Security (3) 48.1 39.7 35.9 38.9 38.9 39.0 39.5 39.4 41.3 40.4 40.1 41.1 12a State and local government 11.3 11.2 11.2 10.9 10.9 11.2 11.2 11.0 10.9 10.9 11.1 11.0 12b All other 122.3 126.7 124.3 126.9 132.6 133.1 134.8 137.7 136.7 135.6 138.3 137.4 13 Interbank loans 127.6 130.3 128.2 129.8 126.4 137.4 133.0 128.3 132.0 127.0 124.5 121.1 14 Cash assets (4) 142.7 124.6 120.8 127.5 127.7 136.5 141.8 138.3 122.9 121.9 143.9 131.5 15 Other assets (5) 133.0 156.7 160.0 163.1 161.4 165.5 174.1 169.1 168.8 170.4 174.1 174.9 16 TOTAL ASSETS (6) 2,192.1 2,172.3 2,158.6 2,179.2 2,178.6 2,208.4 2,223.4 2,227.9 2,230.7 2,224.2 2,249.1 2,235.3 L I A B I L I T I E S 17 Deposits 1,329.8 1,331.8 1,332.9 1,344.5 1,352.2 1,373.3 1,389.6 1,372.3 1,368.9 1,352.2 1,376.9 1,348.1 18 Tranlgdtion 443.4 403.4 391.1 391.5 384.1 393.9 406.9 390.1 375.3 360.3 388.3 358.5 19 Nontranlgdtion 886.5 928.4 941.8 953.0 968.1 979.5 982.8 982.2 993.6 991.9 988.6 989.5 20 Large time 124.9 136.5 140.7 144.5 151.2 153.7 152.7 153.4 157.4 158.8 159.8 157.6 21 Other 761.5 791.9 801.1 808.5 816.9 825.7 830.0 828.8 836.2 833.2 828.9 831.9 22 Borrowings 441.0 427.0 414.5 424.0 399.9 409.0 409.6 421.7 419.4 418.7 416.2 421.9 23 From banks in the U.S. 189.3 183.2 177.8 180.1 167.1 176.9 182.6 180.3 178.1 180.0 175.8 177.9 24 From others 251.6 243.9 236.7 243.9 232.8 232.2 227.0 241.4 241.4 238.7 240.4 244.0 25 Net due to related foreign offices 86.9 71.2 67.8 65.0 74.8 66.2 63.4 69.7 70.5 79.3 74.5 74.5 26 Other liabilities 123.3 123.6 124.6 127.2 141.9 149.5 149.7 153.3 158.8 159.8 167.9 165.7 27 TOTAL LIABILITIES 1,981.0 1,953.7 1,939.8 1,960.7 1,968.8 1,998.1 2,012.4 2,016.9 2,017.6 2,010.0 2,035.5 2,010.2 28 Residual (assets less liabilities) (7) 211.1 218.6 218.8 218.6 209.8 210.3 211.0 211.0 213.2 214.2 213.6 225.1 MEMO 29 Reval. gains on off-bal. sheet itens(8) -- -- -- -- 32.4 33.1 36.2 47.4 53.8 55.4 58.7 54.6 30 Reval. losses on off-bal. sheet itens (8) -- -- -- -- 28.9 28.9 31.8 43.9 48.5 50.9 53.8 49.2 31 Mortgage-backed securities (9) -- -- -- -- 187.1 188.5 190.9 192.7 193.3 193.2 189.4 192.3 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 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,362.2 1,414.0 1,421.8 1,428.3 1,430.4 1,436.3 1,442.5 1,452.3 1,452.1 1,452.5 1,455.0 1,453.9 2 Securities in bank credit 406.9 417.5 417.7 417.1 415.1 413.7 414.0 417.5 416.9 416.0 416.2 414.3 3 U.S. government securities 328.4 337.8 337.6 337.0 334.8 333.3 333.4 335.7 335.5 334.9 335.1 333.3 4 Other securities 78.5 79.7 80.1 80.1 80.3 80.4 80.6 81.8 81.4 81.2 81.2 81.0 5 Loans and leases in bank credit (2) 955.3 996.5 1,004.1 1,011.2 1,015.3 1,022.6 1,028.5 1,034.7 1,035.2 1,036.5 1,038.8 1,039.5 6 Commercial and industrial 171.1 178.9 179.9 181.4 182.0 183.5 185.1 185.9 187.1 187.6 188.2 188.5 7 Real estate 489.9 515.4 519.8 523.3 524.7 528.7 532.2 537.9 540.3 541.4 542.9 542.8 8 Revolving home equity 26.4 26.9 27.3 27.8 29.5 29.9 30.4 30.8 31.1 31.0 31.0 31.2 9 Other 463.5 488.5 492.5 495.5 495.2 498.7 501.8 507.1 509.2 510.5 511.8 511.6 10 Consumer 225.4 233.2 234.8 236.3 239.0 240.0 240.0 239.0 234.7 234.4 235.0 236.1 11 Security (3) 5.7 5.1 5.1 5.2 5.0 5.1 5.2 5.1 5.3 5.2 5.3 5.3 12 Other loans and leases 63.3 64.0 64.5 65.0 64.6 65.4 66.1 66.8 67.8 67.8 67.4 66.8 13 Interbank loans 60.9 47.7 49.4 51.2 51.0 53.6 55.0 54.5 57.0 56.3 58.2 57.4 14 Cash assets (4) 64.7 64.4 65.4 66.6 68.2 69.4 70.4 69.6 69.3 69.3 73.8 74.5 15 Other assets (5) 49.0 55.5 56.2 57.4 57.1 57.9 58.7 58.3 59.2 60.9 61.0 56.9 16 TOTAL ASSETS (6) 1,516.7 1,560.9 1,571.9 1,582.6 1,585.9 1,596.3 1,605.6 1,613.6 1,616.5 1,617.9 1,626.9 1,621.6 L I A B I L I T I E S 17 Deposits 1,191.8 1,218.8 1,231.6 1,240.6 1,229.3 1,251.2 1,264.3 1,279.7 1,291.2 1,287.6 1,300.5 1,295.5 18 Transaction 334.3 323.0 322.5 322.9 317.7 321.8 322.7 321.8 322.1 319.2 328.0 329.4 19 Nontransaction 857.5 895.8 909.1 917.7 911.6 929.4 941.6 957.8 969.0 968.5 972.6 966.1 20 Large time 145.8 150.9 152.4 152.3 143.6 146.2 147.9 149.6 150.5 150.5 151.0 150.7 21 Other 711.7 744.9 756.7 765.4 768.0 783.2 793.8 808.3 818.6 818.0 821.5 815.4 22 Borrowings 137.5 155.4 161.0 163.0 164.6 165.4 165.5 168.3 169.4 172.3 169.8 164.4 23 From banks in the U.S. 75.9 79.2 82.7 83.7 86.1 86.1 83.8 86.2 87.2 90.0 86.9 82.0 24 From others 61.6 76.2 78.3 79.3 78.5 79.3 81.7 82.0 82.1 82.3 82.8 82.5 25 Net due to related foreign offices 6.1 5.7 4.4 5.9 3.4 2.2 2.7 4.0 4.3 4.1 3.6 3.6 26 Other liabilities 31.8 27.8 27.1 26.8 28.1 27.1 25.9 24.3 23.7 24.4 23.5 23.7 27 TOTAL LIABILITIES 1,367.2 1,407.6 1,424.1 1,436.4 1,425.4 1,445.8 1,458.5 1,476.3 1,488.5 1,488.5 1,497.5 1,487.3 28 Residual (assets less liabilities) (7) 149.5 153.3 147.8 146.3 160.5 150.5 147.1 137.3 127.9 129.4 129.5 134.4 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 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,360.1 1,414.5 1,421.4 1,432.3 1,432.9 1,437.9 1,445.2 1,450.4 1,447.4 1,447.8 1,448.6 1,448.1 2 Securities in bank credit 405.3 416.7 415.8 417.5 414.0 412.1 413.5 416.1 414.6 414.9 414.1 413.1 3 U.S. government securities 327.1 337.0 335.9 337.5 333.7 331.6 332.9 334.5 333.6 334.1 333.2 332.3 4 Other securities 78.3 79.7 79.9 80.0 80.3 80.4 80.6 81.6 81.0 80.8 80.9 80.8 5 Loans and leases in bank credit (2) 954.7 997.8 1,005.6 1,014.9 1,018.9 1,025.8 1,031.7 1,034.3 1,032.8 1,032.9 1,034.5 1,035.0 6 Commercial and industrial 171.1 179.0 178.6 180.4 181.4 182.8 184.6 186.0 186.8 187.1 187.8 188.4 7 Real estate 489.4 515.9 520.9 525.4 526.9 530.9 534.1 537.5 538.3 539.1 539.9 540.1 8 Revolving home equity 26.3 26.9 27.4 28.1 29.7 30.1 30.4 30.7 30.8 30.8 30.8 30.9 9 Other 463.1 488.9 493.5 497.3 497.2 500.8 503.7 506.8 507.4 508.3 509.1 509.2 10 Consumer 226.3 233.0 234.9 237.3 239.7 240.7 240.9 239.9 236.0 235.8 235.9 236.4 11 Security (3) 5.8 4.9 5.1 5.1 4.9 5.3 5.4 5.2 5.5 5.4 5.4 5.2 12 Other loans and leases 62.1 65.1 66.0 66.6 66.0 66.1 66.7 65.6 66.1 65.5 65.5 64.9 13 Interbank loans 62.3 45.0 48.4 49.5 51.3 58.4 58.0 55.8 61.4 59.4 59.1 57.0 14 Cash assets (4) 67.1 64.0 63.1 65.1 69.3 72.1 74.3 71.8 68.2 66.0 75.2 74.6 15 Other assets (5) 49.9 55.4 56.3 57.9 56.9 58.4 59.2 59.2 62.1 61.5 62.7 57.8 16 TOTAL ASSETS (6) 1,519.4 1,558.3 1,568.3 1,584.0 1,589.6 1,606.0 1,615.8 1,616.1 1,618.1 1,613.7 1,624.5 1,616.4 L I A B I L I T I E S 17 Deposits 1,190.1 1,215.4 1,228.8 1,242.8 1,231.6 1,258.9 1,277.7 1,277.2 1,285.2 1,274.6 1,290.6 1,283.8 18 Transaction 338.6 320.7 319.1 322.2 318.3 325.5 333.9 325.6 322.5 313.7 323.9 323.0 19 Nontransaction 851.5 894.7 909.6 920.5 913.3 933.4 943.9 951.6 962.7 960.9 966.6 960.8 20 Large time 144.5 150.1 152.2 152.1 144.0 146.6 147.0 148.3 150.6 151.1 151.7 151.7 21 Other 707.0 744.6 757.5 768.4 769.4 786.8 796.9 803.3 812.2 809.8 814.9 809.1 22 Borrowings 139.8 155.0 159.1 162.6 164.8 163.9 165.1 170.0 166.3 167.0 170.6 168.1 23 From banks in the U.S. 76.4 80.6 82.5 84.5 85.6 84.4 83.3 86.0 84.0 84.3 86.4 84.9 24 From others 63.5 74.4 76.6 78.1 79.2 79.5 81.8 84.0 82.3 82.7 84.2 83.2 25 Net due to related foreign offices 6.1 5.7 4.4 5.9 3.4 2.2 2.7 4.0 4.3 4.1 3.6 3.6 26 Other liabilities 32.1 28.0 27.2 26.6 28.1 26.9 25.5 24.6 24.2 25.0 23.8 24.0 27 TOTAL LIABILITIES 1,368.1 1,404.0 1,419.5 1,437.8 1,427.8 1,451.8 1,471.0 1,475.7 1,480.0 1,470.8 1,488.6 1,479.5 MEMO 28 Residual (assets less liabilities) (7) 151.4 154.3 148.9 146.2 161.7 154.1 144.8 140.4 138.1 142.9 136.0 136.9 31 Mortgage-backed securities (9) -- -- -- -- 49.7 50.3 51.4 53.1 52.6 52.7 52.7 52.1 H.8 (510) pg.9 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 442.3 466.6 464.4 467.6 481.9 497.1 510.3 522.3 533.5 540.0 541.4 539.6 2 Securities in bank credit 140.8 148.2 147.5 146.5 149.4 159.7 167.4 172.0 177.1 181.5 181.4 178.4 3 U.S. government securities 63.2 80.0 80.9 82.9 83.1 88.0 89.2 83.1 84.5 86.9 86.8 87.5 4 Other securities 77.7 68.2 66.6 63.6 66.3 71.7 78.2 88.8 92.5 94.7 94.7 90.9 5 Loans and leases in bank credit (2) 301.5 318.3 316.9 321.0 332.4 337.4 342.9 350.4 356.4 358.5 360.0 361.2 6 Commercial and industrial 182.7 194.2 194.3 200.7 207.1 211.0 217.4 219.9 220.7 222.2 224.9 224.1 7 Real estate 35.2 33.1 33.1 32.8 32.9 32.8 32.5 32.5 32.9 32.9 32.9 32.9 11 Security (3) 33.1 32.0 29.8 29.1 32.7 34.5 35.4 37.2 39.7 39.3 37.1 37.9 12 Other loans and leases 50.5 59.1 59.7 58.4 59.8 59.2 57.6 60.7 63.1 64.2 65.1 66.2 13 Interbank loans 23.1 19.2 16.4 20.3 20.9 20.9 22.8 23.8 22.2 22.4 21.7 24.8 14 Cash assets (4) 30.6 28.1 28.5 29.5 29.8 31.1 31.4 31.9 32.7 33.6 34.3 34.2 15 Other assets (5) 49.1 42.8 43.7 41.1 33.9 36.5 37.4 39.4 42.0 42.5 42.7 42.4 16 TOTAL ASSETS (6) 545.0 556.6 553.0 558.3 566.3 585.4 601.8 617.3 630.3 638.4 640.0 640.8 L I A B I L I T I E S 17 Deposits 166.5 179.5 180.3 186.0 197.8 205.0 221.2 230.8 238.9 242.5 247.4 248.5 18 Transaction 10.8 10.6 10.5 9.7 10.5 10.6 10.8 10.9 10.1 10.0 11.3 10.0 19 Nontransaction 155.7 168.9 169.8 176.2 187.3 194.4 210.4 219.9 228.8 232.5 236.1 238.5 20 Large time 150.6 165.3 166.7 172.9 184.7 190.9 206.5 217.1 225.2 226.6 229.5 225.5 21 Other 5.2 3.6 3.1 3.4 2.6 3.6 4.0 2.7 3.6 5.9 6.6 13.1 22 Borrowings 113.7 123.0 128.6 122.8 118.7 128.3 125.4 131.4 142.2 141.2 147.4 150.4 23 From banks in the U.S. 29.6 30.8 34.6 34.0 33.4 35.5 36.2 31.3 38.8 35.1 39.0 38.4 24 From others 84.1 92.2 94.1 88.8 85.3 92.8 89.2 100.1 103.4 106.1 108.4 112.0 25 Net due to related foreign offices 176.2 178.2 173.2 176.3 167.3 166.1 160.5 147.6 141.9 141.0 134.8 132.9 26 Other liabilities 78.5 71.8 69.4 68.7 74.8 80.1 83.4 91.3 98.9 107.1 104.0 95.9 27 TOTAL LIABILITIES 534.9 552.6 551.5 553.8 558.6 579.5 590.4 601.1 621.9 631.7 633.6 627.6 28 Residual (assets less liabilities) (7) 10.1 4.0 1.5 4.6 7.6 5.9 11.4 16.2 8.4 6.7 6.3 13.2 H.8 (510) pg.10 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1996 1996 1997 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 5 Feb 12 Feb 19 Feb 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 441.4 468.0 467.9 466.2 480.5 496.7 506.1 519.3 534.4 543.0 540.5 537.9 2 Securities in bank credit 139.1 148.4 150.7 145.4 149.3 159.4 160.9 167.8 177.1 183.8 182.0 177.9 3 U.S. government securities 64.4 79.0 82.4 81.9 82.6 88.0 86.7 84.1 86.5 89.0 88.6 88.3 3a Trading account -- -- -- -- 18.8 22.0 20.2 17.0 19.8 21.9 21.4 21.8 3b Investment account -- -- -- -- 63.7 66.0 66.5 67.1 66.7 67.1 67.2 66.6 4 Other securities 74.7 69.3 68.3 63.5 66.7 71.4 74.2 83.8 90.6 94.8 93.4 89.6 4a Trading account -- -- -- -- 48.2 52.3 55.0 61.4 67.7 71.4 70.5 66.7 4b Investment account -- -- -- -- 18.5 19.1 19.2 22.4 22.9 23.3 22.9 22.9 5 Loans and leases in bank credit (2) 302.3 319.6 317.2 320.8 331.3 337.3 345.2 351.5 357.3 359.3 358.4 360.0 6 Commercial and industrial 182.7 195.2 194.4 199.5 205.9 210.8 217.8 219.8 220.9 222.8 224.2 224.0 7 Real estate 35.2 32.9 33.1 32.9 33.1 33.2 32.7 32.5 33.0 33.0 32.9 32.8 11 Security (3) 33.1 32.0 29.8 29.1 32.7 34.5 35.4 37.2 39.7 39.3 37.1 37.9 12 Other loans and leases 51.4 59.5 59.8 59.3 59.7 58.8 59.3 61.9 63.7 64.1 64.2 65.3 13 Interbank loans 23.1 19.2 16.4 20.3 20.9 20.9 22.8 23.8 22.2 22.4 21.7 24.8 14 Cash assets (4) 30.9 28.2 28.5 28.8 30.1 31.3 32.5 32.3 32.6 32.9 33.1 33.5 15 Other assets (5) 48.2 42.0 44.5 41.5 33.6 36.8 38.2 38.7 42.7 43.9 43.1 43.3 16 TOTAL ASSETS (6) 543.6 557.3 557.3 556.8 565.0 585.5 599.4 613.9 631.7 642.1 638.1 639.3 L I A B I L I T I E S 17 Deposits 166.8 177.5 178.8 185.6 203.2 207.6 223.9 230.9 236.9 239.5 242.0 246.2 18 Transaction 10.8 10.6 10.3 10.1 10.6 10.6 11.5 11.0 10.5 10.2 11.7 10.1 19 Nontransaction 156.0 166.9 168.5 175.4 192.6 197.0 212.5 219.9 226.4 229.4 230.3 236.1 20 Large time 149.4 163.9 166.2 173.2 190.4 194.8 209.9 215.1 220.0 221.4 222.7 222.5 21 Other 6.6 3.0 2.3 2.3 2.2 2.3 2.6 4.9 6.4 8.0 7.7 13.6 22 Borrowings 110.9 130.6 133.6 123.9 115.3 124.9 124.4 128.5 139.7 137.1 137.7 140.3 23 From banks in the U.S. 30.8 32.2 35.1 33.3 30.9 35.6 37.0 32.6 38.6 34.0 35.0 34.4 24 From others 80.1 98.3 98.5 90.6 84.4 89.3 87.4 95.9 101.1 103.0 102.6 105.9 25 Net due to related foreign offices 184.3 175.0 171.2 174.3 167.3 165.8 162.1 156.3 146.1 148.8 146.9 146.9 26 Other liabilities 77.9 70.2 69.8 68.6 73.2 80.8 82.0 90.4 101.0 110.5 105.3 98.9 27 TOTAL LIABILITIES 539.8 553.3 553.3 552.4 559.0 579.0 592.4 606.2 623.7 635.9 631.9 632.3 28 Residual (assets less liabilities) (7) 3.8 4.0 3.9 4.4 6.0 6.5 7.1 7.7 8.0 6.2 6.3 7.0 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- 29.9 32.4 33.4 41.1 45.1 49.3 48.9 45.5 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- 29.4 31.6 32.6 40.3 45.3 49.8 49.1 45.5 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 February 26, 1997. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta ASSETS 1 Bank credit 1,842.7 90.7 342.1 100.2 164.3 182.4 208.1 2 Securities in bank credit (14) 421.5 3 U.S. government securities (14) 278.9 3a Trading account (14) 15.0 3b Investment account 263.9 16.5 77.0 5.0 23.4 30.5 29.4 3c Mortgage-backed 172.6 7.2 55.6 2.0 18.1 18.8 18.4 3d Other 91.2 9.3 21.3 3.0 5.3 11.7 11.0 3e 1 year or less 24.1 3.5 3.5 0.9 0.8 3.2 2.4 3f Between 1 and 5 years 51.2 5.2 11.9 1.7 3.5 7.6 5.8 3g More than 5 years 16.0 0.7 5.9 0.4 1.0 0.9 2.7 4 Other securities (14) 142.6 4a Trading account (14) 77.4 4b Investment account 65.2 5.5 20.2 2.1 6.3 4.5 8.1 4c State and local government 20.9 1.9 7.3 0.6 0.7 1.0 2.0 4d Other 44.3 3.6 12.9 1.6 5.6 3.5 6.1 5 Loans and leases in bank credit (2) 1,421.2 68.7 245.0 93.1 134.6 147.4 170.6 6 Commerical and industrial 391.7 26.8 66.1 15.0 40.4 35.1 38.9 6a Bankers accep and commercial paper 1.5 0.1 0.7 0.0 0.0 0.0 0.0 6b Other 390.2 26.7 65.5 15.0 40.4 35.0 38.8 7 Real estate 556.6 19.8 94.7 28.1 48.3 74.7 81.3 8 Revolving home equtiy 55.1 3.1 7.7 3.3 5.7 6.9 6.0 9a Other residential 320.6 8.6 59.4 20.3 28.1 46.0 46.9 9b Commercial 180.9 8.1 27.7 4.6 14.5 21.8 28.4 10 Consumer 283.4 7.0 35.2 43.2 30.9 19.1 38.0 11 Security (3) 41.1 6.4 17.7 0.1 0.9 3.7 1.1 11a Fed funds and RPs with broker/dealer 24.1 6.0 8.0 0.0 0.0 3.5 0.8 11b Other 16.9 0.4 9.7 0.1 0.9 0.2 0.4 12a State and local government 11.0 0.2 1.5 0.7 1.2 2.0 2.1 12b Agricultural 7.4 0.0 0.1 0.1 0.2 0.6 0.5 12c Fed funds and RPs with others 5.2 0.2 2.3 0.0 0.2 1.2 0.4 12d All other loans 58.9 3.4 14.6 1.3 2.6 4.9 3.3 12e Lease financing receivables 65.9 4.8 12.6 4.4 9.8 6.1 5.1 13 Interbank loans 121.1 4.9 43.5 3.0 6.8 11.3 12.2 13a Fed funds and RPs with banks 73.6 1.6 23.9 2.9 4.1 8.3 9.4 13b Other 47.5 3.2 19.6 0.1 2.7 3.0 2.8 14 Cash assets(4) 131.5 7.9 30.6 4.9 7.8 10.8 12.8 15 Other assets (12) 202.6 15.6 125.3 14.2 14.3 32.0 14.8 16 TOTAL ASSETS (6) 2,263.0 117.5 530.2 120.2 190.3 234.3 244.9 H.8 (510) pg.12 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars. Data are as of February 26, 1997. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta 17 Deposits 1,348.1 64.0 272.3 67.3 118.4 123.4 172.0 18 Transaction 358.5 21.4 71.3 14.5 25.7 26.8 36.3 19 Nontransaction 989.5 42.7 201.0 52.9 92.6 96.6 135.8 20 Large time 157.6 6.4 41.8 12.0 10.2 15.3 19.2 21 Other 831.9 36.3 159.2 40.9 82.4 81.3 116.6 22 Borrowings 421.9 28.2 86.6 31.2 44.2 58.3 38.6 23 From banks in the U.S. 177.9 9.6 23.4 14.9 17.3 26.8 21.3 24 From others 244.0 18.6 63.2 16.3 27.0 31.5 17.3 26 Other liabilities (13) 267.9 14.8 105.4 9.1 13.4 36.4 13.4 27 TOTAL LIABILITIES 2,037.9 107.1 464.2 107.6 176.0 218.1 224.1 28 Residual (assets less liabilities (13) 225.1 10.4 66.0 12.5 14.3 16.2 20.8 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 54.6 30 Reval. losses on off-bal. sheet items (8,14) 49.2 31 Mortgage-backed securities (9) 192.3 7.8 60.2 3.2 19.7 20.0 22.4 31a Pass-through 135.2 5.7 47.3 1.7 12.6 16.8 14.2 31b CMO, REMIC and other 57.1 2.1 12.8 1.5 7.0 3.1 8.2 32 Net unrealized ganis (losses) 2.7 on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) 32.1 H.8 (510) pg.13 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars. Data are as of February 26, 1997. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansac City Dallas San Francisco ASSETS 1 Bank credit 190.5 40.7 38.5 24.7 71.1 296.8 2 Securities in bank credit (14) 3 U.S. government securities (14) 3a Trading account (14) 3b Investment account (14) 26.8 5.9 3.3 5.3 13.0 27.8 3c Mortgage-backed 12.6 3.4 2.1 3.9 11.0 19.6 3d Other 14.2 2.6 1.3 1.5 2.0 8.2 3e 1 year or less 6.9 0.5 0.1 0.3 0.2 1.7 3f Between 1 and 5 years 5.7 1.7 0.2 1.1 1.6 5.2 3g More than 5 years 1.5 0.4 1.0 0.0 0.2 1.2 4 Other securities (14) 4a Trading account (14) 4b Investment accout (14) 6.4 1.1 0.6 0.8 2.2 7.5 4c State and local government 3.6 0.7 0.2 0.5 0.6 1.7 4d Other 2.8 0.4 0.4 0.2 1.5 5.7 5 Loans and leases in bank credit (2) 157.4 33.7 34.6 18.6 56.0 261.6 6 Commerical and industrial 67.1 8.5 8.5 5.1 24.9 55.2 6a Bankers accep and commercial paper 0.2 0.0 0.0 0.0 0.0 0.4 6b Other 66.9 8.5 8.5 5.1 24.9 54.9 7 Real estate 48.1 14.9 7.0 6.8 14.2 118.5 8 Revolving home equtiy 4.9 1.3 0.4 0.4 0.3 15.1 9a Other residential 21.9 9.9 4.3 3.5 9.4 62.4 9b Commercial 21.4 3.8 2.3 2.9 4.6 41.0 10 Consumer 23.6 5.2 15.1 4.6 9.8 51.7 11 Security (3) 4.0 2.9 1.2 0.0 0.6 2.5 11a Fed funds and RPs with broker/dealer 0.9 2.6 0.7 0.0 0.3 1.3 11b Other 3.1 0.3 0.5 0.0 0.3 1.2 12a State and local government 1.2 0.2 0.1 0.1 0.1 1.4 12b Agricultural 0.4 0.1 0.2 0.5 0.2 4.5 12c Fed funds and RPs with others 0.5 0.0 0.0 0.0 0.2 0.2 12d All other loans 8.1 0.9 1.5 1.2 4.7 12.4 12e Lease financing receivables 4.4 1.0 0.9 0.3 1.3 15.0 13 Interbank loans 7.9 3.8 3.8 2.1 5.2 16.6 13a Fed funds and RPs with banks 7.4 3.7 3.6 1.8 2.0 4.9 13b Other 0.5 0.1 0.3 0.3 3.2 11.7 14 Cash assets(4) 15.8 2.9 2.8 2.9 10.6 21.7 15 Other assets (12) 21.4 4.9 2.9 2.7 6.7 40.4 16 TOTAL ASSETS 232.6 51.7 47.2 32.1 92.8 369.1 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 February 26, 1997. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansas City Dallas San Francisco 17 Deposits 137.3 29.2 21.6 23.7 66.0 252.8 18 Transaction 39.2 6.7 6.9 6.7 19.8 83.4 19 Nontransaction 98.1 22.5 14.7 17.0 46.2 169.5 20 Large time 18.3 2.6 1.3 1.4 4.6 24.5 21 Other 79.8 19.9 13.5 15.6 41.6 144.9 22 Borrowings 45.7 14.8 16.4 3.6 12.6 41.6 23 From banks in the U.S. 16.8 10.8 12.1 2.1 4.3 18.7 24 From others 28.8 4.1 4.4 1.6 8.3 22.9 26 Other liabilities (13) 27.9 2.5 4.9 1.0 6.1 33.0 27 TOTAL LIABILITIES 210.9 46.5 42.9 28.4 84.7 327.3 28 Residual (assets less liabilities (13) 21.7 5.2 4.3 3.7 8.1 41.8 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) 14.6 3.5 2.2 3.9 11.8 23.0 31a Pass-through 7.5 1.4 1.9 2.9 9.9 13.0 31b CMO, REMIC and other 7.0 2.1 0.3 1.0 2.0 10.0 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.