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 April 11, 1997 Account 1996 1996 1996 1996 1996 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,643.5 3,692.8 3,718.0 3,744.3 3,772.3 3,807.4 3,846.4 3,866.8 3,862.0 3,858.7 3,885.8 3,863.7 2 Securities in bank credit 988.5 968.8 969.3 980.1 989.5 1,004.7 1,020.5 1,013.0 1,012.8 1,006.3 1,020.0 1,011.5 3 U.S. government securities 703.3 703.2 703.2 707.0 706.2 706.0 703.1 706.7 701.9 704.5 711.1 712.7 4 Other securities 285.2 265.6 266.1 273.1 283.3 298.8 317.5 306.3 311.0 301.8 308.9 298.8 5 Loans and leases in bank credit (2) 2,655.0 2,724.0 2,748.7 2,764.1 2,782.9 2,802.7 2,825.8 2,853.8 2,849.2 2,852.4 2,865.8 2,852.2 6 Commercial and industrial 724.9 761.1 770.6 774.7 784.1 787.3 797.0 802.7 801.7 802.0 806.5 800.4 7 Real estate 1,096.1 1,112.0 1,115.5 1,121.4 1,127.7 1,134.2 1,140.2 1,153.3 1,152.6 1,152.8 1,154.2 1,156.4 8 Revolving home equity 79.7 81.2 83.3 84.3 85.3 85.8 86.6 87.8 87.6 87.7 87.9 88.4 9 Other 1,016.4 1,030.8 1,032.1 1,037.2 1,042.3 1,048.4 1,053.6 1,065.5 1,065.0 1,065.2 1,066.4 1,068.0 10 Consumer 500.8 515.9 519.4 521.5 522.6 523.2 522.9 521.6 522.2 521.7 523.2 518.7 11 Security (3) 85.3 73.8 76.9 77.9 79.7 83.4 84.7 88.9 87.2 89.4 92.2 85.9 12 Other loans and leases 247.9 261.3 266.4 268.6 268.8 274.6 281.1 287.4 285.5 286.4 289.8 290.7 13 Interbank loans 206.1 205.4 204.6 212.2 204.0 197.7 203.8 219.2 219.0 217.4 225.4 221.2 14 Cash assets (4) 216.8 224.2 226.1 232.7 230.9 231.1 230.9 235.6 240.3 229.9 240.4 230.6 15 Other assets (5) 236.6 260.0 253.4 259.8 269.4 263.4 275.3 286.5 283.9 286.8 284.9 293.2 16 TOTAL ASSETS (6) 4,246.2 4,325.1 4,345.4 4,392.3 4,420.0 4,443.5 4,500.4 4,552.2 4,549.4 4,537.1 4,580.8 4,552.1 L I A B I L I T I E S 17 Deposits 2,697.6 2,771.9 2,774.2 2,804.8 2,832.0 2,846.4 2,872.1 2,904.0 2,900.6 2,884.3 2,909.7 2,913.4 18 Transaction 765.5 725.2 712.7 715.1 712.9 709.6 701.1 697.7 694.1 689.4 714.7 688.5 19 Nontransaction 1,932.1 2,046.7 2,061.5 2,089.7 2,119.1 2,136.7 2,171.0 2,206.3 2,206.5 2,194.9 2,195.0 2,224.9 20 Large time 430.0 471.7 479.6 489.4 507.7 518.7 535.3 542.2 539.6 540.3 542.3 547.8 21 Other 1,502.1 1,575.0 1,581.9 1,600.3 1,611.4 1,618.0 1,635.8 1,664.1 1,666.9 1,654.6 1,652.7 1,677.1 22 Borrowings 695.9 706.8 690.0 709.8 707.8 728.6 744.3 759.6 761.9 769.3 770.4 737.4 23 From banks in the U.S. 297.6 296.1 292.7 304.1 307.9 303.5 308.8 316.6 324.3 317.9 314.1 300.3 24 From others 398.3 410.8 397.3 405.7 399.9 425.1 435.5 443.0 437.6 451.4 456.3 437.0 25 Net due to related foreign offices 256.7 251.0 244.2 238.1 231.4 222.9 218.7 212.3 211.0 219.7 202.1 225.2 26 Other liabilities 227.6 221.4 242.7 253.7 262.7 272.1 289.8 279.0 290.5 277.6 273.4 258.9 27 TOTAL LIABILITIES 3,877.7 3,951.1 3,951.1 4,006.4 4,033.9 4,069.9 4,124.9 4,154.9 4,164.1 4,150.8 4,155.6 4,134.9 28 Residual (assets less liabilities) (7) 368.5 374.0 394.2 385.9 386.1 373.6 375.5 397.2 385.3 386.3 425.2 417.3 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 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,633.6 3,695.2 3,719.7 3,748.5 3,771.3 3,805.7 3,839.2 3,857.4 3,852.4 3,851.8 3,862.1 3,860.5 2 Securities in bank credit 990.2 969.5 969.2 978.8 975.5 995.9 1,017.1 1,015.8 1,017.3 1,011.3 1,015.5 1,016.0 3 U.S. government securities 707.0 704.3 703.8 707.4 702.0 700.0 701.8 711.3 706.6 711.2 714.7 717.4 4 Other securities 283.2 265.2 265.4 271.4 273.5 295.9 315.3 304.5 310.6 300.1 300.7 298.6 5 Loans and leases in bank credit (2) 2,643.5 2,725.8 2,750.5 2,769.7 2,795.8 2,809.9 2,822.1 2,841.6 2,835.1 2,840.5 2,846.7 2,844.5 6 Commercial and industrial 727.3 756.0 767.0 772.8 781.0 785.1 796.6 805.3 801.9 806.1 807.9 806.7 7 Real estate 1,090.5 1,115.0 1,118.6 1,125.7 1,132.6 1,136.2 1,137.1 1,147.3 1,147.4 1,146.1 1,147.3 1,151.2 8 Revolving home equity 79.0 81.8 83.9 84.7 85.5 85.8 86.2 87.0 87.0 86.9 86.9 87.4 9 Other 1,011.5 1,033.2 1,034.7 1,041.0 1,047.1 1,050.4 1,050.9 1,060.3 1,060.4 1,059.2 1,060.4 1,063.8 10 Consumer 496.5 518.0 519.6 522.0 527.4 528.8 523.5 517.0 517.5 516.9 518.0 514.0 11 Security (3) 85.0 73.0 76.7 79.3 81.0 82.6 85.8 88.5 87.2 89.8 90.2 83.3 12 Other loans and leases 244.1 263.6 268.6 270.0 273.8 277.3 279.0 283.5 281.1 281.6 283.2 289.3 13 Interbank loans 203.2 199.7 199.4 216.5 213.3 207.4 208.2 215.7 218.0 212.6 210.7 222.1 14 Cash assets (4) 208.7 221.5 227.1 239.7 246.9 241.5 232.1 226.5 230.0 222.5 223.4 228.3 15 Other assets (5) 232.7 262.5 250.8 258.6 269.3 264.0 275.0 281.7 278.2 279.8 277.7 291.9 16 TOTAL ASSETS (6) 4,221.5 4,321.3 4,340.3 4,406.6 4,444.2 4,462.7 4,498.7 4,525.4 4,522.7 4,510.8 4,518.2 4,546.5 L I A B I L I T I E S 17 Deposits 2,685.3 2,772.4 2,779.0 2,821.8 2,863.9 2,850.3 2,857.3 2,892.8 2,892.6 2,872.2 2,873.6 2,925.0 18 Transaction 752.4 723.7 710.4 725.2 745.8 721.0 694.2 685.5 682.5 675.4 681.4 697.3 19 Nontransaction 1,932.9 2,048.8 2,068.6 2,096.5 2,118.1 2,129.3 2,163.1 2,207.3 2,210.1 2,196.8 2,192.3 2,227.8 20 Large time 429.9 469.7 485.0 493.9 507.8 515.4 533.1 541.7 540.0 540.6 542.1 545.2 21 Other 1,503.0 1,579.0 1,583.6 1,602.6 1,610.3 1,613.9 1,629.9 1,665.6 1,670.2 1,656.2 1,650.2 1,682.6 22 Borrowings 679.3 711.1 682.4 699.5 700.1 722.9 728.4 739.3 727.9 744.2 752.5 741.8 23 From banks in the U.S. 289.5 298.5 286.1 297.9 302.6 297.7 296.8 304.5 302.5 297.0 307.7 312.5 24 From others 389.8 412.6 396.3 401.7 397.5 425.2 431.6 434.8 425.4 447.2 444.8 429.3 25 Net due to related foreign offices 262.3 245.2 245.8 235.2 230.1 233.3 229.4 221.2 219.2 223.8 226.8 226.8 26 Other liabilities 226.3 222.0 241.8 257.5 258.6 269.3 291.8 277.2 290.7 273.2 268.2 258.1 27 TOTAL LIABILITIES 3,853.3 3,950.6 3,949.0 4,013.9 4,052.6 4,075.7 4,106.9 4,130.4 4,130.5 4,113.4 4,121.2 4,151.8 28 Residual (assets less liabilities) (7) 368.2 370.6 391.3 392.6 391.5 387.0 391.8 395.0 392.2 397.4 397.0 394.7 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- 62.4 65.5 69.6 89.1 102.8 91.6 95.1 89.3 89.6 84.1 30 Reval. losses on off-bal. sheet items (8) -- -- 58.3 60.4 64.3 84.8 98.1 85.9 90.3 83.7 82.1 78.1 H.8 (510) pg.3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,198.3 3,225.4 3,237.5 3,250.5 3,267.3 3,290.5 3,313.7 3,338.7 3,331.5 3,334.2 3,350.6 3,345.7 2 Securities in bank credit 845.0 822.3 820.7 822.3 825.1 834.6 843.9 840.7 841.6 838.3 842.2 838.0 3 U.S. government securities 634.1 620.3 620.6 620.0 618.6 624.2 617.9 623.4 620.2 623.6 627.1 626.1 4 Other securities 210.9 202.0 200.1 202.4 206.5 210.3 226.0 217.3 221.3 214.7 215.1 211.8 5 Loans and leases in bank credit (2) 2,353.3 2,403.0 2,416.8 2,428.2 2,442.2 2,455.9 2,469.8 2,497.9 2,489.9 2,495.9 2,508.5 2,507.7 6 Commercial and industrial 541.2 560.5 564.8 566.6 571.0 572.4 578.8 585.0 582.5 584.1 588.4 587.1 7 Real estate 1,062.6 1,079.2 1,082.7 1,089.0 1,095.7 1,102.2 1,107.8 1,121.3 1,120.5 1,120.8 1,122.3 1,125.0 8 Revolving home equity 79.7 81.2 83.3 84.3 85.3 85.8 86.6 87.8 87.6 87.7 87.9 88.4 9 Other 982.9 998.0 999.4 1,004.7 1,010.3 1,016.4 1,021.2 1,033.5 1,032.9 1,033.1 1,034.4 1,036.6 10 Consumer 500.8 515.9 519.4 521.5 522.6 523.2 522.9 521.6 522.2 521.7 523.2 518.7 11 Security (3) 51.8 44.7 44.0 42.9 43.6 45.3 45.1 49.4 47.2 50.3 51.6 50.6 12 Other loans and leases 196.9 202.8 206.0 208.2 209.4 212.8 215.3 220.7 217.4 219.0 223.1 226.3 13 Interbank loans 185.9 185.1 184.0 192.0 182.3 174.3 181.5 194.3 193.9 192.1 199.3 192.4 14 Cash assets (4) 189.2 194.7 196.4 201.8 199.8 199.9 197.8 202.8 206.3 198.4 208.1 199.7 15 Other assets (5) 189.3 219.0 219.6 223.6 232.4 224.7 233.1 244.4 240.5 245.5 244.5 252.9 16 TOTAL ASSETS (6) 3,706.0 3,766.8 3,781.0 3,811.4 3,825.3 3,833.5 3,870.3 3,924.4 3,916.6 3,914.6 3,947.0 3,934.3 L I A B I L I T I E S 17 Deposits 2,527.4 2,585.9 2,576.8 2,600.9 2,612.5 2,619.4 2,631.2 2,656.8 2,654.2 2,639.9 2,664.1 2,662.4 18 Transaction 755.6 715.5 702.3 704.9 702.7 699.2 691.2 686.9 683.6 678.3 703.9 677.5 19 Nontransaction 1,771.8 1,870.4 1,874.5 1,896.0 1,909.8 1,920.2 1,940.1 1,969.8 1,970.6 1,961.7 1,960.2 1,984.9 20 Large time 272.9 298.9 295.2 299.4 302.6 302.3 306.6 308.8 307.6 308.5 308.9 311.5 21 Other 1,498.9 1,571.6 1,579.3 1,596.6 1,607.2 1,617.9 1,633.5 1,661.0 1,663.0 1,653.1 1,651.3 1,673.4 22 Borrowings 578.6 584.1 572.5 584.1 586.0 597.6 599.8 617.6 622.4 631.2 619.9 603.4 23 From banks in the U.S. 265.4 262.1 260.3 270.8 274.9 275.2 274.5 281.2 292.6 284.7 274.6 267.4 24 From others 313.2 321.9 312.2 313.3 311.1 322.4 325.4 336.4 329.8 346.4 345.2 336.0 25 Net due to related foreign offices 81.1 74.7 76.5 71.0 69.1 72.0 78.2 70.5 65.3 73.3 69.6 78.7 26 Other liabilities 153.0 152.7 168.1 173.8 179.8 182.1 190.3 185.7 193.3 186.1 181.8 171.0 27 TOTAL LIABILITIES 3,340.1 3,397.4 3,393.9 3,429.7 3,447.5 3,471.1 3,499.6 3,530.6 3,535.2 3,530.5 3,535.3 3,515.5 28 Residual (assets less liabilities) (7) 365.8 369.4 387.1 381.6 377.8 362.4 370.7 393.7 381.4 384.1 411.7 418.8 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 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,189.8 3,229.1 3,240.5 3,255.2 3,270.3 3,291.8 3,306.0 3,329.3 3,320.8 3,325.1 3,335.1 3,340.9 2 Securities in bank credit 847.3 824.1 820.7 821.3 817.5 829.8 839.5 842.7 843.2 840.4 844.0 841.6 3 U.S. government securities 636.1 622.5 621.6 620.4 616.9 617.3 614.8 625.1 621.5 625.7 629.0 629.6 4 Other securities 211.2 201.7 199.1 200.9 200.6 212.6 224.7 217.7 221.8 214.7 215.0 212.0 5 Loans and leases in bank credit (2) 2,342.5 2,405.0 2,419.8 2,433.9 2,452.7 2,462.0 2,466.5 2,486.6 2,477.6 2,484.7 2,491.1 2,499.3 6 Commercial and industrial 543.9 556.6 562.4 564.9 567.5 570.2 578.5 588.0 583.8 588.0 591.0 592.4 7 Real estate 1,057.1 1,082.1 1,085.7 1,092.8 1,100.4 1,104.2 1,104.8 1,115.3 1,115.1 1,113.8 1,115.6 1,120.1 8 Revolving home equity 79.0 81.8 83.9 84.7 85.5 85.8 86.2 87.0 87.0 86.9 86.9 87.4 9 Other 978.1 1,000.3 1,001.8 1,008.1 1,014.9 1,018.4 1,018.5 1,028.3 1,028.1 1,026.9 1,028.7 1,032.7 10 Consumer 496.5 518.0 519.6 522.0 527.4 528.8 523.5 517.0 517.5 516.9 518.0 514.0 11 Security (3) 51.5 43.9 43.8 44.3 44.8 44.5 46.2 49.0 47.3 50.7 49.6 48.0 12 Other loans and leases 193.5 204.2 208.4 209.9 212.6 214.2 213.5 217.2 213.9 215.3 217.0 224.8 13 Interbank loans 183.0 179.4 178.7 196.3 191.5 184.1 185.8 190.8 193.0 187.3 184.6 193.3 14 Cash assets (4) 181.6 192.6 197.0 208.5 214.7 209.9 199.8 194.3 196.8 191.6 191.2 197.9 15 Other assets (5) 186.0 221.0 217.3 222.1 231.6 226.0 232.0 240.2 234.1 239.8 238.3 253.6 16 TOTAL ASSETS (6) 3,683.6 3,764.6 3,777.2 3,825.6 3,851.6 3,856.1 3,867.9 3,898.9 3,889.1 3,888.1 3,893.8 3,929.7 L I A B I L I T I E S 17 Deposits 2,515.2 2,586.9 2,576.3 2,615.3 2,641.7 2,623.2 2,619.6 2,645.7 2,646.4 2,626.5 2,626.0 2,676.3 18 Transaction 742.7 713.5 700.0 715.1 734.9 710.6 684.0 675.0 672.2 664.7 670.6 686.3 19 Nontransaction 1,772.5 1,873.4 1,876.3 1,900.2 1,906.8 1,912.7 1,935.6 1,970.8 1,974.2 1,961.8 1,955.4 1,989.9 20 Large time 273.1 296.6 295.0 300.0 299.3 301.0 309.5 308.8 308.5 308.0 307.7 310.5 21 Other 1,499.4 1,576.8 1,581.3 1,600.2 1,607.5 1,611.7 1,626.1 1,661.9 1,665.7 1,653.8 1,647.7 1,679.4 22 Borrowings 566.6 587.2 568.2 577.3 579.5 595.1 590.5 603.3 594.0 609.4 614.9 611.0 23 From banks in the U.S. 258.5 265.2 256.1 264.6 269.0 268.4 264.7 270.7 272.4 264.4 273.0 278.3 24 From others 308.1 322.0 312.0 312.8 310.5 326.7 325.9 332.6 321.7 345.0 341.9 332.7 25 Net due to related foreign offices 84.8 70.9 78.2 68.4 66.2 73.6 79.9 74.8 69.0 75.1 80.4 80.4 26 Other liabilities 151.9 153.3 168.8 176.9 177.1 180.2 189.7 184.0 191.9 182.8 178.9 171.4 27 TOTAL LIABILITIES 3,318.5 3,398.3 3,391.4 3,437.9 3,464.4 3,472.2 3,479.8 3,507.8 3,501.3 3,493.8 3,500.2 3,539.0 28 Residual (assets less liabilities) (7) 365.1 366.3 385.8 387.7 387.2 383.9 388.1 391.1 387.8 394.3 393.5 390.6 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- 32.5 33.1 36.2 47.5 55.8 48.6 50.6 46.5 47.6 43.3 30 Reval. losses on off-bal. sheet items (8) -- -- 28.9 28.9 31.8 44.0 50.9 42.9 45.8 40.8 40.2 37.6 31 Mortgage-backed securities (9) -- -- 236.5 238.1 241.3 244.6 243.4 245.4 244.4 244.4 246.5 247.5 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 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,824.2 1,803.8 1,811.4 1,815.7 1,824.5 1,838.4 1,857.1 1,866.9 1,863.9 1,859.8 1,876.3 1,870.3 2 Securities in bank credit 435.3 406.9 407.1 410.1 412.8 418.3 428.6 421.1 423.7 417.8 422.3 416.7 3 U.S. government securities 304.0 285.1 287.2 287.9 286.3 289.0 283.4 286.0 284.4 285.3 289.3 287.9 3a Trading account 22.1 20.9 21.2 21.5 19.4 17.2 16.1 17.6 17.3 17.3 18.7 18.5 3b Investment account 281.9 264.2 265.9 266.4 266.9 271.8 267.3 268.4 267.2 268.0 270.5 269.4 4 Other securities 131.3 121.8 119.9 122.2 126.4 129.3 145.2 135.1 139.3 132.5 133.0 128.7 4a Trading account 60.1 56.4 55.1 57.8 60.9 64.6 79.9 69.0 73.9 66.1 65.9 63.4 4b Investment account 71.2 65.5 64.8 64.4 65.5 64.7 65.3 66.1 65.4 66.3 67.1 65.4 4c State and local government 21.3 20.3 20.2 20.2 20.3 20.5 21.0 20.6 20.6 20.6 20.5 20.4 4d Other 49.9 45.1 44.6 44.2 45.2 44.2 44.3 45.5 44.8 45.8 46.6 45.0 5 Loans and leases in bank credit (2) 1,388.9 1,396.9 1,404.4 1,405.6 1,411.8 1,420.2 1,428.5 1,445.7 1,440.2 1,442.1 1,454.0 1,453.7 6 Commercial and industrial 369.0 379.7 383.1 383.2 385.6 386.2 390.4 394.8 392.8 393.9 397.9 396.2 7 Real estate 567.3 558.1 559.2 560.5 562.8 563.0 563.8 568.9 569.7 567.4 568.8 570.8 8 Revolving home equity 53.6 53.9 54.2 54.7 55.3 55.4 55.8 56.3 56.3 56.2 56.3 56.7 9 Other 513.8 504.2 505.0 505.8 507.5 507.6 508.0 512.6 513.4 511.2 512.5 514.2 10 Consumer 273.5 281.7 281.4 281.1 281.3 284.4 286.2 285.3 285.7 284.5 286.5 283.6 11 Security (3) 45.9 39.5 39.1 37.8 38.5 40.4 39.9 44.0 41.9 44.9 46.1 45.4 12a State and local government 11.4 10.9 10.9 11.2 11.3 11.2 11.1 11.0 11.0 10.9 11.0 10.9 12b All other loans and leases 121.8 127.0 130.6 131.8 132.2 135.1 137.1 141.8 139.1 140.4 143.6 146.7 13 Interbank loans 122.3 134.2 133.1 138.5 127.1 120.1 124.1 132.7 132.1 131.1 136.7 132.5 14 Cash assets (4) 124.4 128.7 128.9 133.1 131.1 130.9 128.0 133.2 135.5 130.8 136.9 131.7 15 Other assets (5) 139.5 161.9 163.3 166.7 173.8 167.5 173.9 178.0 174.5 180.9 177.8 184.5 16 TOTAL ASSETS (6) 2,173.8 2,192.2 2,200.9 2,218.2 2,220.9 2,221.7 2,248.0 2,275.6 2,270.8 2,267.6 2,292.7 2,283.2 L I A B I L I T I E S 17 Deposits 1,323.0 1,350.8 1,359.9 1,371.3 1,378.6 1,371.2 1,369.3 1,376.9 1,371.9 1,365.6 1,384.1 1,384.9 18 Transaction 420.3 394.3 387.8 388.3 387.0 384.0 374.7 368.2 365.8 361.2 379.2 364.4 19 Nontransaction 902.8 956.5 972.1 983.0 991.5 987.2 994.6 1,008.7 1,006.1 1,004.4 1,004.9 1,020.5 20 Large time 126.0 146.8 152.0 153.7 155.4 153.7 156.5 157.5 155.5 156.9 158.3 161.0 21 Other 776.7 809.7 820.1 829.3 836.1 833.5 838.1 851.1 850.6 847.5 846.5 859.5 22 Borrowings 436.8 422.2 407.2 416.3 416.9 427.3 427.9 440.4 443.6 447.8 443.6 433.7 23 From banks in the U.S. 187.9 178.3 173.4 183.2 189.2 188.1 187.2 192.6 201.8 191.5 188.0 186.5 24 From others 248.9 244.0 233.8 233.1 227.7 239.2 240.7 247.8 241.8 256.4 255.6 247.1 25 Net due to related foreign offices 75.3 68.9 73.2 68.8 66.4 68.0 74.3 66.7 61.7 69.8 65.4 74.5 26 Other liabilities 122.0 126.1 139.4 144.8 150.6 154.1 162.3 157.6 165.4 157.4 153.6 142.6 27 TOTAL LIABILITIES 1,957.1 1,968.0 1,979.7 2,001.2 2,012.5 2,020.6 2,033.8 2,041.6 2,042.6 2,040.7 2,046.8 2,035.7 28 Residual (assets less liabilities) (7) 216.6 224.1 221.1 217.0 208.4 201.2 214.1 234.0 228.2 226.8 245.9 247.5 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 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,820.2 1,803.6 1,811.9 1,818.8 1,824.7 1,841.6 1,854.9 1,862.1 1,859.0 1,855.9 1,864.0 1,867.2 2 Securities in bank credit 436.1 408.3 408.2 410.7 405.6 415.0 425.9 421.8 425.1 418.4 420.4 417.6 3 U.S. government securities 304.7 286.7 289.3 290.1 285.1 283.3 281.7 286.6 285.4 286.2 288.0 289.0 3a Trading account 23.3 21.0 22.0 22.7 18.1 16.3 16.3 18.7 19.0 19.3 18.5 18.9 3b Investment account 281.4 265.7 267.3 267.3 266.9 267.0 265.4 267.9 266.5 267.0 269.5 270.1 4 Other securities 131.3 121.6 118.8 120.6 120.6 131.7 144.2 135.2 139.6 132.2 132.4 128.6 4a Trading account 60.4 56.1 53.5 55.4 54.4 66.5 78.8 69.5 74.4 66.4 65.8 63.6 4b Investment account 70.9 65.5 65.3 65.3 66.2 65.2 65.4 65.7 65.3 65.8 66.6 65.1 4c State and local government 21.4 20.3 20.2 20.3 20.4 20.5 21.0 20.6 20.6 20.6 20.6 20.5 4d Other 49.6 45.2 45.1 45.0 45.8 44.7 44.4 45.1 44.6 45.2 45.9 44.6 5 Loans and leases in bank credit (2) 1,384.1 1,395.2 1,403.7 1,408.1 1,419.1 1,426.6 1,429.0 1,440.3 1,433.9 1,437.5 1,443.6 1,449.6 6 Commercial and industrial 371.2 376.8 381.3 382.2 382.6 384.0 390.4 397.3 393.9 397.0 399.6 401.0 7 Real estate 564.7 558.8 559.9 562.1 565.6 565.4 563.3 566.0 567.6 564.0 564.9 568.1 8 Revolving home equity 53.1 54.2 54.5 55.0 55.4 55.5 55.6 55.8 55.8 55.6 55.7 56.0 9 Other 511.6 504.7 505.3 507.1 510.2 509.9 507.7 510.2 511.8 508.3 509.2 512.1 10 Consumer 271.2 282.9 281.0 280.8 285.2 289.0 286.0 282.5 282.9 281.8 283.5 280.4 11 Security (3) 45.6 38.9 39.0 39.0 39.5 39.5 40.9 43.6 41.8 45.5 44.5 42.6 12a State and local government 11.3 11.0 11.0 11.2 11.3 11.0 11.0 11.0 11.0 10.9 11.0 10.9 12b All other loans and leases 120.0 126.8 131.6 132.8 134.9 137.8 137.3 139.9 136.8 138.3 140.0 146.6 13 Interbank loans 119.5 130.2 127.6 137.9 133.3 128.6 126.4 129.2 128.7 128.6 127.9 131.0 14 Cash assets (4) 118.9 128.1 128.4 137.1 142.4 138.8 130.7 126.8 128.2 126.2 124.0 130.0 15 Other assets (5) 137.1 163.5 161.2 164.7 172.4 167.9 171.5 174.8 169.8 177.4 173.7 183.6 16 TOTAL ASSETS (6) 2,159.0 2,188.5 2,193.4 2,222.7 2,237.1 2,241.8 2,248.4 2,257.7 2,250.6 2,252.9 2,254.6 2,276.3 L I A B I L I T I E S 17 Deposits 1,316.1 1,349.7 1,357.1 1,378.2 1,394.6 1,377.4 1,367.3 1,370.7 1,368.5 1,360.4 1,358.5 1,392.1 18 Tranlgdtion 412.1 393.1 384.9 394.9 408.3 391.6 371.4 360.5 357.3 354.2 357.3 371.3 19 Nontranlgdtion 904.0 956.6 972.2 983.3 986.4 985.8 995.9 1,010.2 1,011.3 1,006.2 1,001.2 1,020.8 20 Large time 125.4 144.7 151.4 153.9 153.0 153.6 158.7 156.7 155.6 155.7 156.0 158.8 21 Other 778.6 811.8 820.7 829.3 833.4 832.2 837.3 853.5 855.6 850.5 845.2 862.0 22 Borrowings 429.3 425.8 402.8 411.0 410.9 423.1 420.1 431.9 425.2 437.4 440.5 437.3 23 From banks in the U.S. 183.8 180.6 169.8 178.7 183.9 181.5 179.4 186.1 188.7 179.5 186.9 192.7 24 From others 245.6 245.2 232.9 232.3 227.0 241.6 240.6 245.8 236.4 257.9 253.5 244.6 25 Net due to related foreign offices 79.0 65.0 74.8 66.2 63.4 69.7 76.0 71.0 65.3 71.6 76.2 76.2 26 Other liabilities 120.5 127.0 140.1 148.0 148.4 152.0 161.3 155.5 163.6 154.0 150.0 142.9 27 TOTAL LIABILITIES 1,944.9 1,967.5 1,974.7 2,003.5 2,017.3 2,022.1 2,024.7 2,029.1 2,022.6 2,023.3 2,025.2 2,048.5 28 Residual (assets less liabilities) (7) 214.0 221.1 218.6 219.3 219.8 219.7 223.7 228.5 228.0 229.6 229.4 227.8 MEMO 29 Reval. gains on off-bal. sheet itens(8) -- -- 32.5 33.1 36.2 47.5 55.8 48.6 50.6 46.5 47.6 43.3 30 Reval. losses on off-bal. sheet itens (8) -- -- 28.9 28.9 31.8 44.0 50.9 42.9 45.8 40.8 40.2 37.6 31 Mortgage-backed securities (9) -- -- 188.1 189.5 192.0 193.7 193.0 193.4 193.0 192.4 194.2 194.8 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 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,374.2 1,421.5 1,426.1 1,434.8 1,442.8 1,452.1 1,456.6 1,471.8 1,467.6 1,474.4 1,474.3 1,475.3 2 Securities in bank credit 409.7 415.4 413.6 412.2 412.3 416.3 415.3 419.6 417.9 420.5 419.9 421.3 3 U.S. government securities 330.1 335.2 333.4 332.1 332.3 335.2 334.5 337.4 335.8 338.3 337.8 338.2 4 Other securities 79.6 80.2 80.2 80.2 80.0 81.1 80.8 82.2 82.1 82.2 82.0 83.1 5 Loans and leases in bank credit (2) 964.4 1,006.1 1,012.4 1,022.5 1,030.5 1,035.8 1,041.3 1,052.2 1,049.7 1,053.8 1,054.5 1,054.0 6 Commercial and industrial 172.2 180.8 181.6 183.4 185.4 186.3 188.4 190.2 189.7 190.2 190.5 190.9 7 Real estate 495.3 521.1 523.5 528.5 532.8 539.2 544.0 552.4 550.8 553.4 553.4 554.2 8 Revolving home equity 26.2 27.3 29.1 29.6 30.0 30.3 30.8 31.5 31.4 31.5 31.6 31.8 9 Other 469.1 493.8 494.4 498.9 502.8 508.8 513.2 520.9 519.4 521.9 521.9 522.4 10 Consumer 227.3 234.1 237.9 240.4 241.3 238.8 236.7 236.4 236.6 237.2 236.6 235.1 11 Security (3) 5.9 5.2 4.9 5.0 5.1 5.0 5.2 5.4 5.4 5.3 5.5 5.2 12 Other loans and leases 63.7 64.9 64.4 65.2 65.9 66.6 67.1 67.9 67.3 67.7 68.4 68.6 13 Interbank loans 63.6 50.9 50.8 53.6 55.2 54.2 57.4 61.6 61.8 61.0 62.6 60.0 14 Cash assets (4) 64.8 66.0 67.5 68.7 68.6 69.0 69.8 69.6 70.9 67.6 71.3 68.0 15 Other assets (5) 49.8 57.1 56.3 56.9 58.5 57.1 59.2 66.3 66.0 64.6 66.8 68.4 16 TOTAL ASSETS (6) 1,532.2 1,574.7 1,580.1 1,593.2 1,604.4 1,611.8 1,622.3 1,648.8 1,645.8 1,647.0 1,654.4 1,651.1 L I A B I L I T I E S 17 Deposits 1,204.4 1,235.1 1,216.9 1,229.6 1,233.9 1,248.2 1,261.9 1,279.9 1,282.3 1,274.3 1,280.0 1,277.4 18 Transaction 335.4 321.1 314.5 316.6 315.6 315.2 316.4 318.7 317.8 317.0 324.7 313.1 19 Nontransaction 869.0 913.9 902.4 913.0 918.3 933.0 945.5 961.2 964.5 957.3 955.4 964.4 20 Large time 146.9 152.1 143.2 145.7 147.2 148.7 150.2 151.3 152.2 151.7 150.6 150.5 21 Other 722.1 761.9 759.2 767.3 771.1 784.3 795.3 809.9 812.4 805.6 804.8 813.8 22 Borrowings 141.8 161.9 165.3 167.8 169.1 170.3 171.9 177.2 178.8 183.3 176.2 169.8 23 From banks in the U.S. 77.6 83.9 86.9 87.7 85.7 87.1 87.2 88.6 90.8 93.3 86.6 80.9 24 From others 64.3 78.0 78.4 80.2 83.4 83.2 84.7 88.6 88.0 90.0 89.6 88.9 25 Net due to related foreign offices 5.8 5.9 3.4 2.2 2.7 4.0 4.0 3.8 3.6 3.5 4.2 4.2 26 Other liabilities 31.0 26.6 28.7 29.0 29.3 28.0 28.0 28.2 27.9 28.6 28.2 28.4 27 TOTAL LIABILITIES 1,383.0 1,429.4 1,414.2 1,428.6 1,435.0 1,450.6 1,465.8 1,489.1 1,492.6 1,489.8 1,488.6 1,479.8 28 Residual (assets less liabilities) (7) 149.2 145.3 165.9 164.6 169.4 161.2 156.6 159.7 153.2 157.3 165.8 171.3 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 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,369.6 1,425.5 1,428.6 1,436.3 1,445.5 1,450.2 1,451.1 1,467.3 1,461.8 1,469.2 1,471.1 1,473.6 2 Securities in bank credit 411.2 415.8 412.6 410.6 411.9 414.9 413.6 420.9 418.2 421.9 423.5 424.0 3 U.S. government securities 331.4 335.7 332.3 330.4 331.8 334.0 333.1 338.5 336.0 339.5 340.9 340.6 4 Other securities 79.9 80.0 80.2 80.2 80.1 80.9 80.5 82.5 82.1 82.5 82.6 83.4 5 Loans and leases in bank credit (2) 958.4 1,009.8 1,016.0 1,025.7 1,033.6 1,035.3 1,037.5 1,046.3 1,043.6 1,047.2 1,047.6 1,049.7 6 Commercial and industrial 172.7 179.8 181.0 182.7 184.9 186.3 188.1 190.7 189.9 191.1 191.3 191.4 7 Real estate 492.3 523.3 525.8 530.7 534.8 538.8 541.5 549.3 547.5 549.8 550.7 552.0 8 Revolving home equity 25.9 27.7 29.3 29.7 30.1 30.2 30.6 31.2 31.1 31.3 31.2 31.4 9 Other 466.4 495.6 496.5 501.0 504.7 508.5 510.8 518.1 516.3 518.6 519.5 520.6 10 Consumer 225.3 235.1 238.6 241.1 242.2 239.8 237.5 234.5 234.6 235.1 234.5 233.6 11 Security (3) 5.9 5.1 4.8 5.3 5.3 5.1 5.3 5.4 5.5 5.2 5.1 5.4 12 Other loans and leases 62.2 66.4 65.8 66.0 66.5 65.4 65.2 66.4 66.1 66.1 65.9 67.3 13 Interbank loans 63.5 49.2 51.1 58.4 58.2 55.5 59.4 61.6 64.3 58.7 56.7 62.4 14 Cash assets (4) 62.7 64.5 68.6 71.4 72.3 71.1 69.1 67.5 68.6 65.4 67.2 67.9 15 Other assets (5) 49.0 57.6 56.1 57.4 59.2 58.1 60.5 65.4 64.3 62.5 64.7 70.1 16 TOTAL ASSETS (6) 1,524.7 1,576.0 1,583.8 1,602.9 1,614.5 1,614.3 1,619.5 1,641.2 1,638.5 1,635.2 1,639.2 1,653.4 L I A B I L I T I E S 17 Deposits 1,199.1 1,237.2 1,219.2 1,237.1 1,247.1 1,245.8 1,252.3 1,275.0 1,277.9 1,266.2 1,267.5 1,284.1 18 Transaction 330.6 320.4 315.0 320.2 326.6 318.9 312.6 314.4 315.0 310.6 313.3 315.1 19 Nontransaction 868.5 916.8 904.1 916.9 920.4 926.9 939.6 960.5 962.9 955.6 954.2 969.1 20 Large time 147.7 151.9 143.6 146.1 146.3 147.4 150.8 152.1 152.8 152.3 151.7 151.7 21 Other 720.8 764.9 760.5 770.9 774.1 779.5 788.8 808.4 810.1 803.3 802.5 817.4 22 Borrowings 137.3 161.5 165.4 166.3 168.5 172.0 170.5 171.4 168.8 172.0 174.4 173.7 23 From banks in the U.S. 74.8 84.6 86.3 85.8 85.1 86.8 85.2 84.6 83.6 84.8 86.0 85.5 24 From others 62.5 76.8 79.1 80.5 83.4 85.2 85.2 86.8 85.2 87.1 88.4 88.2 25 Net due to related foreign offices 5.8 5.9 3.4 2.2 2.7 4.0 4.0 3.8 3.6 3.5 4.2 4.2 26 Other liabilities 31.4 26.3 28.7 28.9 28.8 28.2 28.4 28.6 28.3 28.8 28.9 28.5 27 TOTAL LIABILITIES 1,373.6 1,430.8 1,416.6 1,434.4 1,447.1 1,450.1 1,455.1 1,478.7 1,478.7 1,470.5 1,475.0 1,490.5 MEMO 28 Residual (assets less liabilities) (7) 151.1 145.2 167.2 168.4 167.4 164.2 164.4 162.5 159.9 164.8 164.1 162.9 31 Mortgage-backed securities (9) -- -- 48.4 48.6 49.3 50.8 50.5 51.9 51.4 52.0 52.3 52.7 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 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 445.2 467.5 480.5 493.8 505.1 516.9 532.7 528.2 530.6 524.5 535.2 518.1 2 Securities in bank credit 143.5 146.5 148.6 157.8 164.4 170.2 176.7 172.3 171.3 168.0 177.8 173.6 3 U.S. government securities 69.2 82.9 82.6 87.0 87.6 81.7 85.2 83.3 81.6 80.9 84.0 86.6 4 Other securities 74.3 63.6 65.9 70.8 76.9 88.4 91.5 89.0 89.6 87.1 93.8 87.0 5 Loans and leases in bank credit (2) 301.7 321.0 331.9 336.0 340.7 346.8 356.0 355.9 359.3 356.5 357.3 344.5 6 Commercial and industrial 183.7 200.6 205.9 208.1 213.1 214.9 218.2 217.7 219.1 217.9 218.0 213.4 7 Real estate 33.5 32.8 32.7 32.4 32.0 32.0 32.3 32.0 32.1 32.1 32.0 31.4 11 Security (3) 33.5 29.1 32.9 35.0 36.2 38.0 39.6 39.5 40.0 39.2 40.6 35.3 12 Other loans and leases 51.0 58.5 60.4 60.4 59.4 61.8 65.8 66.7 68.1 67.3 66.7 64.5 13 Interbank loans 20.2 20.3 20.6 20.2 21.8 23.4 22.3 24.9 25.0 25.3 26.1 28.8 14 Cash assets (4) 27.6 29.5 29.7 30.9 31.1 31.2 33.1 32.8 34.0 31.5 32.3 30.9 15 Other assets (5) 47.3 41.0 33.7 36.2 37.0 38.8 42.2 42.2 43.4 41.4 40.4 40.3 16 TOTAL ASSETS (6) 540.3 558.2 564.4 580.9 594.7 610.0 630.1 627.8 632.8 622.5 633.7 617.8 L I A B I L I T I E S 17 Deposits 170.2 186.0 197.4 203.9 219.5 226.9 240.9 247.3 246.5 244.3 245.6 251.1 18 Transaction 9.9 9.7 10.4 10.2 10.2 10.4 9.9 10.8 10.6 11.1 10.8 11.0 19 Nontransaction 160.3 176.2 187.0 193.7 209.3 216.5 230.9 236.5 235.9 233.2 234.8 240.0 20 Large time 157.1 172.8 184.4 190.0 205.1 216.4 228.6 233.4 232.0 231.8 233.4 236.3 21 Other 3.2 3.4 2.6 3.7 4.2 0.1 2.3 3.1 3.9 1.4 1.4 3.7 22 Borrowings 117.2 122.8 117.5 125.7 121.7 131.0 144.5 141.9 139.5 138.1 150.6 133.9 23 From banks in the U.S. 32.2 34.0 32.4 33.2 32.9 28.3 34.4 35.4 31.7 33.1 39.5 32.9 24 From others 85.1 88.8 85.1 92.4 88.8 102.7 110.1 106.5 107.8 105.0 111.1 101.0 25 Net due to related foreign offices 175.6 176.3 167.7 167.1 162.3 150.9 140.4 141.8 145.7 146.4 132.5 146.5 26 Other liabilities 74.5 68.7 74.6 80.0 82.8 89.9 99.6 93.3 97.2 91.5 91.6 87.9 27 TOTAL LIABILITIES 537.6 553.7 557.2 576.7 586.4 598.8 625.3 624.3 628.9 620.3 620.2 619.4 28 Residual (assets less liabilities) (7) 2.7 4.5 7.2 4.2 8.3 11.3 4.8 3.5 3.9 2.2 13.5 -1.5 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 1997 1997 1997 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 12 Mar 19 Mar 26 Apr 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 443.9 466.2 479.2 493.4 501.1 513.9 533.3 528.1 531.6 526.7 527.1 519.6 2 Securities in bank credit 142.9 145.4 148.5 157.5 158.0 166.0 177.6 173.0 174.0 170.9 171.5 174.4 3 U.S. government securities 70.9 81.8 82.1 87.0 85.1 82.7 87.0 86.2 85.2 85.5 85.8 87.8 3a Trading account -- -- 18.7 21.8 19.9 17.0 21.4 19.9 20.2 19.0 18.8 21.1 3b Investment account -- -- 63.4 65.2 65.3 65.7 65.6 66.3 65.0 66.4 67.0 66.7 4 Other securities 72.0 63.5 66.3 70.5 72.9 83.3 90.7 86.8 88.9 85.4 85.8 86.6 4a Trading account -- -- 47.9 51.6 54.0 61.4 67.9 63.1 65.5 62.3 62.1 60.7 4b Investment account -- -- 18.4 18.9 18.9 22.0 22.7 23.7 23.4 23.1 23.6 25.9 5 Loans and leases in bank credit (2) 301.0 320.8 330.7 335.9 343.0 347.9 355.7 355.0 357.6 355.8 355.5 345.2 6 Commercial and industrial 183.4 199.4 204.7 207.9 213.5 214.8 218.2 217.3 218.1 218.0 217.0 214.3 7 Real estate 33.5 32.9 32.9 32.9 32.2 32.0 32.4 32.0 32.3 32.3 31.8 31.1 11 Security (3) 33.5 29.1 32.9 35.0 36.2 38.0 39.6 39.5 40.0 39.2 40.6 35.3 12 Other loans and leases 50.6 59.4 60.2 60.1 61.2 63.1 65.5 66.2 67.3 66.3 66.3 64.5 13 Interbank loans 20.2 20.3 20.6 20.2 21.8 23.4 22.3 24.9 25.0 25.3 26.1 28.8 14 Cash assets (4) 27.2 28.8 30.1 31.1 32.2 31.6 32.4 32.2 33.2 31.0 32.1 30.4 15 Other assets (5) 46.6 41.5 33.4 36.5 37.7 38.0 43.0 41.6 44.0 40.0 39.4 38.2 16 TOTAL ASSETS (6) 537.8 556.7 563.1 581.0 592.6 606.7 630.8 626.5 633.6 622.7 624.4 616.8 L I A B I L I T I E S 17 Deposits 170.1 185.5 202.7 206.5 222.2 227.1 237.7 247.1 246.2 245.7 247.6 248.8 18 Transaction 9.6 10.1 10.4 10.2 10.9 10.4 10.1 10.6 10.3 10.7 10.8 10.9 19 Nontransaction 160.4 175.4 192.3 196.3 211.3 216.6 227.5 236.5 236.0 235.0 236.8 237.8 20 Large time 156.8 173.1 190.0 193.9 208.5 214.4 223.7 232.9 231.5 232.6 234.4 234.7 21 Other 3.6 2.3 2.3 2.4 2.8 2.2 3.8 3.7 4.4 2.4 2.4 3.2 22 Borrowings 112.7 123.9 114.2 122.2 120.6 127.8 137.9 136.0 133.9 134.9 137.6 130.8 23 From banks in the U.S. 31.0 33.3 29.9 33.3 33.6 29.3 32.2 33.8 30.2 32.7 34.8 34.3 24 From others 81.7 90.6 84.3 88.9 87.0 98.5 105.7 102.2 103.7 102.2 102.8 96.5 25 Net due to related foreign offices 177.5 174.3 167.6 166.8 163.9 159.6 149.5 146.4 150.3 148.7 146.4 146.4 26 Other liabilities 74.4 68.6 73.1 80.6 81.5 89.1 102.0 93.1 98.8 90.4 89.3 86.8 27 TOTAL LIABILITIES 534.7 552.3 557.6 576.0 588.2 603.6 627.1 622.6 629.2 619.7 620.9 612.7 28 Residual (assets less liabilities) (7) 3.1 4.4 5.5 4.9 4.3 3.1 3.7 3.9 4.4 3.0 3.5 4.1 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- 29.9 32.4 33.4 41.6 47.0 43.0 44.5 42.7 42.0 40.9 30 Reval. losses on off-bal. sheet items (8) -- -- 29.3 31.5 32.5 40.8 47.2 43.0 44.5 42.9 42.0 40.5 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 April 2, 1997. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta ASSETS 1 Bank credit 1,867.2 96.2 358.6 99.5 164.3 190.4 209.4 2 Securities in bank credit (14) 417.6 3 U.S. government securities (14) 289.0 3a Trading account (14) 18.9 3b Investment account 270.1 17.1 81.2 4.9 22.9 32.2 29.4 3c Mortgage-backed 175.7 7.4 57.9 1.9 17.9 19.7 19.3 3d Other 94.4 9.7 23.3 3.0 5.0 12.5 10.1 3e 1 year or less 24.8 3.6 3.4 0.9 0.5 3.7 2.7 3f Between 1 and 5 years 53.2 5.4 13.8 1.7 3.3 7.4 6.2 3g More than 5 years 16.4 0.7 6.1 0.4 1.2 1.4 1.2 4 Other securities (14) 128.6 4a Trading account (14) 63.6 4b Investment account 65.1 5.8 19.1 1.9 6.4 5.6 7.9 4c State and local government 20.5 2.0 7.2 0.5 0.6 1.0 2.0 4d Other 44.6 3.9 11.9 1.4 5.9 4.6 5.9 5 Loans and leases in bank credit (2) 1,449.6 73.3 258.2 92.7 135.0 152.7 172.1 6 Commerical and industrial 401.0 27.1 67.7 15.7 40.4 36.3 40.4 6a Bankers acceptances 1.5 0.1 0.7 0.0 0.0 0.1 0.0 6b Other 399.5 27.1 67.1 15.7 40.4 36.2 40.3 7 Real estate 568.1 21.1 101.8 28.0 49.0 75.9 82.1 8 Revolving home equtiy 56.0 3.1 7.9 3.3 5.7 7.3 6.0 9a Other residential 330.4 10.1 65.8 20.1 29.1 46.2 47.8 9b Commercial 181.7 7.9 28.1 4.5 14.1 22.5 28.2 10 Consumer 280.4 6.1 36.1 42.2 30.2 19.6 37.0 11 Security (3) 42.6 6.8 17.8 0.1 1.0 5.1 1.1 11a Fed funds and RPs with broker/dealer 26.2 6.3 9.2 0.0 0.1 4.8 0.7 11b Other 16.4 0.5 8.6 0.1 0.9 0.2 0.5 12a State and local government 10.9 0.2 1.5 0.8 1.2 2.1 2.1 12b Agricultural 7.6 0.0 0.1 0.1 0.2 0.6 0.5 12c Fed funds and RPs with others 5.9 1.2 2.3 0.0 0.3 1.3 0.0 12d All other loans 65.8 6.0 17.9 1.4 2.9 5.5 3.5 12e Lease financing receivables 67.4 4.8 13.0 4.5 9.9 6.3 5.4 13 Interbank loans 131.0 6.5 44.3 3.1 8.0 11.1 12.8 13a Fed funds and RPs with banks 84.3 3.4 25.3 3.1 4.7 7.9 10.6 13b Other 46.7 3.1 18.9 0.1 3.3 3.2 2.1 14 Cash assets(4) 130.0 7.3 26.2 4.8 9.0 10.6 13.4 15 Other assets (12) 209.9 15.3 117.0 14.5 13.5 30.5 15.3 16 TOTAL ASSETS (6) 2,302.6 123.8 534.6 119.7 192.0 240.3 247.8 H.8 (510) pg.12 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars. Data are as of April 2, 1997. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta 17 Deposits 1,392.1 68.7 285.9 67.9 119.3 126.1 175.3 18 Transaction 371.3 25.6 69.8 15.3 27.1 27.6 36.2 19 Nontransaction 1,020.8 43.1 216.1 52.6 92.2 98.5 139.1 20 Large time 158.8 6.1 47.4 10.8 9.3 13.1 19.7 21 Other 862.0 36.9 168.7 41.8 82.9 85.4 119.4 22 Borrowings 437.3 29.4 91.3 30.2 45.7 66.0 38.4 23 From banks in the U.S. 192.7 10.8 29.5 14.6 18.8 30.0 21.4 24 From others 244.6 18.6 61.8 15.6 27.0 36.0 17.0 26 Other liabilities (13) 245.5 15.1 91.0 9.8 12.3 31.3 13.0 27 TOTAL LIABILITIES 2,074.9 113.1 468.2 107.8 177.4 223.3 226.6 28 Residual (assets less liabilities (13) 227.8 10.7 66.4 11.9 14.7 17.0 21.2 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 43.3 30 Reval. losses on off-bal. sheet items (8,14) 37.6 31 Mortgage-backed securities (9) 194.8 8.0 62.1 3.3 19.8 21.5 22.0 31a Pass-through 136.6 5.8 48.7 1.8 12.4 17.9 13.7 31b CMO, REMIC and other 58.2 2.3 13.3 1.5 7.4 3.6 8.3 32 Net unrealized ganis (losses) 2.4 on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) 32.9 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 April 2, 1997. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansac City Dallas San Francisco ASSETS 1 Bank credit 195.7 40.3 40.5 24.5 70.3 294.9 2 Securities in bank credit (14) 3 U.S. government securities (14) 3a Trading account (14) 3b Investment account (14) 27.5 6.2 3.7 5.0 12.3 27.6 3c Mortgage-backed 13.2 3.5 2.0 3.7 10.2 19.1 3d Other 14.4 2.6 1.7 1.4 2.2 8.5 3e 1 year or less 6.8 0.4 0.0 0.3 0.3 2.1 3f Between 1 and 5 years 5.9 1.7 0.1 1.0 1.6 5.1 3g More than 5 years 1.7 0.4 1.6 0.0 0.3 1.3 4 Other securities (14) 4a Trading account (14) 4b Investment accout (14) 6.5 1.0 0.6 0.7 2.1 7.4 4c State and local government 3.5 0.7 0.2 0.5 0.6 1.7 4d Other 3.0 0.3 0.4 0.2 1.5 5.6 5 Loans and leases in bank credit (2) 161.7 33.1 36.3 18.8 55.9 259.9 6 Commerical and industrial 68.9 8.6 8.9 5.2 25.4 56.4 6a Bankers acceptances 0.3 0.0 0.0 0.0 0.0 0.3 6b Other 68.6 8.6 8.9 5.2 25.4 56.1 7 Real estate 49.6 14.7 7.9 6.7 14.4 117.0 8 Revolving home equtiy 5.1 1.3 0.4 0.4 0.3 15.2 9a Other residential 22.7 9.6 5.2 3.4 9.6 60.8 9b Commercial 21.8 3.8 2.3 2.9 4.5 41.0 10 Consumer 24.0 5.2 15.3 4.7 10.1 50.0 11 Security (3) 4.2 2.4 1.0 0.1 0.7 2.4 11a Fed funds and RPs with broker/dealer 1.3 2.0 0.5 0.0 0.5 0.8 11b Other 2.9 0.3 0.5 0.1 0.2 1.6 12a State and local government 1.2 0.2 0.1 0.1 0.1 1.3 12b Agricultural 0.5 0.1 0.2 0.5 0.2 4.5 12c Fed funds and RPs with others 0.6 0.0 0.0 0.0 0.0 0.2 12d All other loans 8.2 1.0 1.9 1.2 3.6 12.6 12e Lease financing receivables 4.6 1.0 0.9 0.2 1.3 15.4 13 Interbank loans 6.8 6.6 3.3 2.3 7.6 18.5 13a Fed funds and RPs with banks 6.3 6.5 3.0 2.0 4.4 6.9 13b Other 0.5 0.1 0.3 0.3 3.2 11.6 14 Cash assets(4) 16.2 3.1 2.3 3.0 10.5 23.7 15 Other assets (12) 22.5 5.0 3.5 3.6 7.2 44.5 16 TOTAL ASSETS 238.2 54.6 48.8 33.0 94.7 375.0 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 April 2, 1997. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansas City Dallas San Francisco 17 Deposits 142.1 30.2 22.9 24.8 67.7 261.5 18 Transaction 40.3 6.8 7.4 6.7 20.7 87.8 19 Nontransaction 101.8 23.4 15.5 18.0 47.0 173.7 20 Large time 18.7 2.7 1.2 1.5 4.6 23.8 21 Other 83.1 20.7 14.3 16.6 42.4 149.8 22 Borrowings 45.9 16.5 15.8 3.5 12.8 41.8 23 From banks in the U.S. 15.1 13.0 12.1 2.4 4.0 21.0 24 From others 30.8 3.5 3.7 1.0 8.8 20.8 26 Other liabilities (13) 28.3 2.7 5.8 1.0 5.7 29.5 27 TOTAL LIABILITIES 216.3 49.4 44.5 29.3 86.2 332.8 28 Residual (assets less liabilities (13) 22.0 5.3 4.3 3.8 8.5 42.1 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) 15.2 3.7 2.1 3.8 11.0 22.3 31a Pass-through 7.8 2.0 1.9 2.8 9.1 12.7 31b CMO, REMIC and other 7.4 1.7 0.2 1.0 1.9 9.7 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.