Federal Reserve Statistical Release, H.8, Assets and Liabilities of Commercial Banks in the United States; title with eagle logo links to Statistical Release home page

Release Date: July 18, 1997

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H.8 (510)
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)                                                                              For use at 4:15 p.m. Eastern Time                         
Seasonally adjusted, billions of dollars                                                                                                                             July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,672.0   3,770.4   3,804.7   3,841.1   3,860.6   3,893.8   3,901.2   3,923.0       3,919.4   3,928.6   3,941.5   3,936.3

  2     Securities in bank credit                          983.2     989.9   1,005.2   1,020.8   1,014.6   1,032.1   1,013.6   1,010.4       1,005.4   1,007.6   1,020.3   1,023.3
  3        U.S. government securities                      707.4     706.7     707.0     704.1     708.5     721.4     721.0     724.1         718.9     721.3     734.2     732.0
  4        Other securities                                275.8     283.2     298.2     316.7     306.1     310.7     292.6     286.3         286.5     286.3     286.1     291.3

  5     Loans and leases in bank credit (2)              2,688.8   2,780.5   2,799.5   2,820.4   2,846.0   2,861.7   2,887.6   2,912.6       2,913.9   2,921.0   2,921.2   2,913.0
  6        Commercial and industrial                       740.2     783.3     785.5     793.8     798.2     805.4     811.2     817.3         817.1     818.5     822.2     818.7
  7        Real estate                                   1,104.1   1,127.7   1,134.4   1,140.0   1,153.5   1,161.9   1,172.2   1,181.1       1,181.5   1,180.7   1,181.4   1,182.2
  8          Revolving home equity                          79.4      85.2      85.7      86.5      87.9      89.0      90.2      91.3          91.5      91.7      90.4      90.7
  9          Other                                       1,024.7   1,042.5   1,048.8   1,053.5   1,065.6   1,072.9   1,082.0   1,089.7       1,090.0   1,089.0   1,091.0   1,091.5
  10       Consumer                                        508.7     521.0     521.8     520.9     518.5     516.0     519.0     521.1         521.4     521.3     518.0     519.9
  11       Security (3)                                     78.8      78.7      82.4      83.9      88.2      89.7      89.1      94.0          94.5      98.2      96.8      93.8
  12       Other loans and leases                          257.1     269.7     275.4     281.9     287.6     288.6     296.2     299.2         299.4     302.4     302.8     298.4

  13  Interbank loans                                      205.0     204.9     198.9     204.7     220.0     215.9     218.6     191.7         190.8     189.9     188.0     178.9

  14  Cash assets (4)                                      219.3     231.0     232.2     233.4     239.9     246.2     243.8     247.9         243.6     260.5     243.4     245.3

  15  Other assets (5)                                     245.2     265.4     257.0     265.7     273.5     277.6     277.8     283.1         278.2     283.4     278.4     274.1

  16  TOTAL ASSETS (6)                                   4,284.7   4,415.2   4,436.6   4,488.9   4,537.9   4,577.0   4,584.9   4,589.0       4,575.2   4,605.7   4,594.0   4,577.4

            L I A B I L I T I E S

  17  Deposits                                           2,731.8   2,859.9   2,871.9   2,892.6   2,916.0   2,943.9   2,930.9   2,964.7       2,952.4   2,989.7   2,986.0   2,976.9
  18    Transaction                                        750.7     719.5     715.1     705.1     699.8     700.6     688.6     692.8         686.9     717.5     683.1     678.8
  19    Nontransaction                                   1,981.1   2,140.4   2,156.8   2,187.6   2,216.2   2,243.3   2,242.3   2,272.0       2,265.5   2,272.2   2,302.9   2,298.1
  20       Large time                                      439.4     519.6     526.5     542.1     548.3     567.3     562.6     579.2         578.1     587.0     594.9     597.3
  21       Other                                         1,541.7   1,620.8   1,630.3   1,645.5   1,667.9   1,676.1   1,679.7   1,692.7       1,687.4   1,685.2   1,708.0   1,700.8

  22  Borrowings                                           703.4     705.5     724.2     735.3     747.9     762.2     765.2     735.2         727.8     726.8     740.9     727.9
  23    From banks in the U.S.                             290.7     304.7     300.9     305.4     313.6     313.2     303.1     271.7         262.4     259.6     272.0     264.8
  24    From others                                        412.8     400.7     423.3     429.9     434.3     448.9     462.1     463.5         465.3     467.2     468.9     463.1

  25  Net due to related foreign offices                   258.5     231.3     222.3     217.7     209.1     211.7     233.7     229.4         236.4     212.8     214.9     219.2

  26  Other liabilities                                    220.1     259.8     269.4     287.0     278.5     271.3     263.4     264.6         263.6     261.5     263.5     275.1

  27  TOTAL LIABILITIES                                  3,913.8   4,056.5   4,087.8   4,132.6   4,151.5   4,189.0   4,193.3   4,194.0       4,180.1   4,190.8   4,205.3   4,199.1

  28  Residual (assets less liabilities) (7)               370.9     358.7     348.8     356.3     386.4     387.9     391.7     395.0         395.1     414.9     388.7     378.3      



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 2
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                         July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,676.3   3,769.6   3,803.3   3,834.0   3,851.1   3,893.3   3,905.9   3,926.7       3,925.7   3,920.3   3,949.7   3,935.8

  2     Securities in bank credit                          989.9     976.2     996.6   1,017.4   1,017.3   1,034.6   1,022.7   1,016.9       1,012.3   1,009.2   1,021.8   1,021.7
  3        U.S. government securities                      708.5     702.6     701.0     702.8     713.1     724.1     723.5     723.8         719.7     719.5     728.0     725.2
  4        Other securities                                281.4     273.6     295.6     314.6     304.1     310.4     299.2     293.0         292.6     289.7     293.8     296.5

  5     Loans and leases in bank credit (2)              2,686.4   2,793.4   2,806.7   2,816.6   2,833.8   2,858.7   2,883.2   2,909.9       2,913.3   2,911.1   2,927.9   2,914.1
  6        Commercial and industrial                       743.4     780.3     783.2     793.4     800.8     812.6     818.0     820.8         821.2     820.7     828.4     822.1
  7        Real estate                                   1,102.7   1,132.6   1,136.4   1,136.9   1,147.6   1,157.5   1,167.8   1,179.4       1,179.7   1,178.8   1,181.6   1,182.9
  8          Revolving home equity                          79.4      85.4      85.7      86.1      87.1      88.3      90.0      91.3          91.5      91.8      90.6      90.7
  9          Other                                       1,023.3   1,047.2   1,050.8   1,050.8   1,060.5   1,069.1   1,077.8   1,088.0       1,088.2   1,087.0   1,091.0   1,092.2
  10       Consumer                                        505.7     525.8     527.4     521.5     513.9     513.6     516.8     518.3         518.2     519.0     515.3     516.0
  11       Security (3)                                     78.5      79.9      81.6      85.0      87.8      90.2      89.5      93.6          96.4      94.8      94.9      91.9
  12       Other loans and leases                          256.1     274.8     278.0     279.8     283.7     284.8     291.1     297.9         297.8     297.8     307.7     301.2

  13  Interbank loans                                      202.9     214.2     208.7     209.1     216.4     214.3     214.2     189.2         189.4     177.0     189.8     181.4

  14  Cash assets (4)                                      216.5     247.0     242.5     234.5     230.8     241.4     241.6     244.6         247.6     239.3     257.5     248.0

  15  Other assets (5)                                     245.3     265.4     257.6     265.6     268.9     275.3     280.2     283.3         277.2     278.3     286.5     277.4

  16  TOTAL ASSETS (6)                                   4,284.1   4,439.6   4,456.3   4,487.3   4,511.1   4,567.8   4,585.1   4,586.9       4,583.0   4,558.0   4,626.5   4,585.7

            L I A B I L I T I E S

  17  Deposits                                           2,726.7   2,892.1   2,875.8   2,877.6   2,904.8   2,941.3   2,922.2   2,960.0       2,954.8   2,936.8   3,005.0   2,984.8
  18    Transaction                                        744.9     752.6     726.5     698.1     687.6     703.8     678.7     687.1         687.9     675.8     709.0     686.3
  19    Nontransaction                                   1,981.8   2,139.5   2,149.2   2,179.5   2,217.2   2,237.6   2,243.5   2,272.9       2,266.8   2,261.0   2,296.0   2,298.5
  20       Large time                                      439.3     518.3     525.2     541.6     548.4     562.9     567.4     579.0         578.9     584.1     584.4     588.8
  21       Other                                         1,542.5   1,621.2   1,624.0   1,637.9   1,668.8   1,674.6   1,676.1   1,693.8       1,687.9   1,677.0   1,711.6   1,709.7

  22  Borrowings                                           719.2     697.8     718.7     719.8     728.4     763.1     774.9     754.3         759.0     759.2     767.3     740.4
  23    From banks in the U.S.                             300.1     299.5     295.1     293.6     301.9     312.0     311.1     284.4         283.6     276.6     288.8     273.3
  24    From others                                        419.2     398.3     423.5     426.3     426.5     451.1     463.8     469.8         475.4     482.5     478.5     467.1

  25  Net due to related foreign offices                   249.8     230.0     232.7     228.6     218.3     210.3     236.7     220.0         219.6     213.4     207.5     207.5

  26  Other liabilities                                    221.6     255.7     266.6     289.0     276.7     271.6     267.1     266.9         264.1     262.9     265.4     271.8

  27  TOTAL LIABILITIES                                  3,917.3   4,075.6   4,093.8   4,115.0   4,128.2   4,186.3   4,200.9   4,201.1       4,197.5   4,172.3   4,245.2   4,204.4

  28  Residual (assets less liabilities) (7)               366.8     364.1     362.5     372.3     382.9     381.5     384.2     385.8         385.5     385.8     381.3     381.3

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)                --      69.5      88.8     101.9      90.5      90.2      81.5      76.3          76.3      73.6      75.5      79.4
  30  Reval. losses on off-bal. sheet items (8)               --      64.5      85.1      98.6      87.0      88.1      85.8      81.0          80.8      78.3      80.9      82.7



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                             July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,213.1   3,265.4   3,288.8   3,310.5   3,335.2   3,360.1   3,361.3   3,380.2       3,379.3   3,386.9   3,393.7   3,389.2

  2     Securities in bank credit                          836.4     825.5     835.0     843.7     841.6     854.0     838.0     832.7         832.2     832.6     837.6     837.8
  3        U.S. government securities                      630.2     619.2     625.2     618.7     624.9     633.6     631.1     631.7         631.3     630.3     636.4     632.5
  4        Other securities                                206.2     206.3     209.8     225.0     216.7     220.5     206.9     201.0         200.9     202.3     201.2     205.3

  5     Loans and leases in bank credit (2)              2,376.7   2,439.9   2,453.8   2,466.7   2,493.6   2,506.1   2,523.3   2,547.5       2,547.2   2,554.3   2,556.1   2,551.4
  6        Commercial and industrial                       549.0     570.3     571.1     576.7     582.1     588.7     591.4     596.8         595.7     598.3     601.6     597.9
  7        Real estate                                   1,070.8   1,095.7   1,102.6   1,108.0   1,122.0   1,130.6   1,141.6   1,151.4       1,151.8   1,151.4   1,152.5   1,153.5
  8          Revolving home equity                          79.4      85.2      85.7      86.5      87.9      89.0      90.2      91.3          91.5      91.7      90.4      90.7
  9          Other                                         991.5   1,010.5   1,016.9   1,021.5   1,034.1   1,041.5   1,051.4   1,060.1       1,060.2   1,059.7   1,062.1   1,062.8
  10       Consumer                                        508.7     521.0     521.8     520.9     518.5     516.0     519.0     521.1         521.4     521.3     518.0     519.9
  11       Security (3)                                     47.1      42.5      44.3      44.1      48.4      46.5      45.6      48.0          47.9      50.6      50.0      49.8
  12       Other loans and leases                          201.1     210.3     214.1     217.1     222.5     224.2     225.7     230.1         230.3     232.7     234.0     230.3

  13  Interbank loans                                      183.1     183.2     176.2     183.8     197.3     197.0     198.0     171.8         170.9     170.7     166.6     160.5

  14  Cash assets (4)                                      191.2     199.8     201.1     200.5     207.6     213.5     209.8     212.3         207.4     223.7     206.7     209.0

  15  Other assets (5)                                     203.3     228.3     218.2     223.9     231.7     237.7     238.3     241.0         237.8     242.0     235.3     228.9

  16  TOTAL ASSETS (6)                                   3,734.0   3,820.5   3,828.5   3,862.9   3,915.9   3,952.0   3,951.1   3,948.7       3,939.0   3,966.8   3,945.3   3,930.7

            L I A B I L I T I E S

  17  Deposits                                           2,556.4   2,640.4   2,646.2   2,654.7   2,673.4   2,686.2   2,678.9   2,706.5       2,693.9   2,726.8   2,717.9   2,704.7
  18    Transaction                                        739.9     709.3     704.8     695.4     689.3     689.8     677.3     681.6         675.2     706.6     671.8     667.6
  19    Nontransaction                                   1,816.5   1,931.1   1,941.4   1,959.3   1,984.0   1,996.4   2,001.6   2,024.9       2,018.7   2,020.2   2,046.2   2,037.1
  20       Large time                                      277.1     313.1     313.3     317.8     319.7     322.8     324.3     334.5         333.7     337.5     340.6     338.8
  21       Other                                         1,539.4   1,618.1   1,628.1   1,641.5   1,664.4   1,673.6   1,677.3   1,690.3       1,685.0   1,682.8   1,705.6   1,698.3

  22  Borrowings                                           575.5     583.9     593.9     592.0     607.8     622.2     621.5     593.9         588.0     581.6     594.5     589.3
  23    From banks in the U.S.                             258.3     271.8     272.6     271.0     278.2     279.8     269.2     239.6         230.0     224.8     236.8     235.3
  24    From others                                        317.1     312.1     321.3     321.0     329.5     342.5     352.3     354.4         358.0     356.7     357.7     353.9

  25  Net due to related foreign offices                    81.1      69.1      72.0      78.2      68.0      77.1      85.0      80.6          86.7      79.0      76.6      80.1

  26  Other liabilities                                    152.0     176.5     178.6     186.4     183.7     178.4     173.2     173.0         173.0     173.4     170.6     178.6

  27  TOTAL LIABILITIES                                  3,365.0   3,469.9   3,490.7   3,511.3   3,532.9   3,563.9   3,558.6   3,554.1       3,541.7   3,560.8   3,559.6   3,552.7

  28  Residual (assets less liabilities) (7)               369.1     350.6     337.8     351.6     383.0     388.1     392.4     394.6         397.3     406.0     385.7     378.0



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                         July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,216.9   3,268.4   3,290.2   3,302.7   3,325.9   3,359.5   3,363.3   3,383.5       3,385.7   3,380.2   3,401.3   3,390.4

  2     Securities in bank credit                          842.5     817.9     830.3     839.4     843.6     856.0     842.1     838.5         838.6     835.2     841.4     839.9
  3        U.S. government securities                      631.6     617.4     618.3     615.7     626.6     636.8     633.0     632.8         632.4     630.7     634.4     631.1
  4        Other securities                                210.9     200.5     212.0     223.7     217.0     219.2     209.2     205.7         206.2     204.5     207.0     208.8

  5     Loans and leases in bank credit (2)              2,374.4   2,450.5   2,459.9   2,463.4   2,482.2   2,503.5   2,521.2   2,545.0       2,547.1   2,545.0   2,559.9   2,550.5
  6        Commercial and industrial                       551.5     566.9     568.9     576.4     585.1     595.3     598.0     599.6         599.2     599.6     605.2     599.9
  7        Real estate                                   1,069.6   1,100.4   1,104.6   1,104.9   1,116.0   1,126.5   1,137.5   1,149.9       1,149.9   1,149.6   1,152.9   1,154.2
  8          Revolving home equity                          79.4      85.4      85.7      86.1      87.1      88.3      90.0      91.3          91.5      91.8      90.6      90.7
  9          Other                                         990.2   1,015.1   1,018.9   1,018.8   1,029.0   1,038.2   1,047.5   1,058.5       1,058.4   1,057.8   1,062.3   1,063.5
  10       Consumer                                        505.7     525.8     527.4     521.5     513.9     513.6     516.8     518.3         518.2     519.0     515.3     516.0
  11       Security (3)                                     46.8      43.8      43.5      45.2      48.1      47.0      46.0      47.6          49.8      47.3      48.1      47.9
  12       Other loans and leases                          200.8     213.6     215.5     215.4     219.1     221.0     222.8     229.7         230.0     229.5     238.4     232.5

  13  Interbank loans                                      181.0     192.5     186.1     188.2     193.7     195.4     193.5     169.3         169.5     157.7     168.4     163.0

  14  Cash assets (4)                                      187.9     214.8     211.1     202.4     199.0     209.6     207.6     208.2         210.7     202.1     219.5     211.5

  15  Other assets (5)                                     203.5     227.6     219.6     223.0     227.7     236.8     239.5     241.2         237.0     238.1     244.3     233.6

  16  TOTAL ASSETS (6)                                   3,732.4   3,847.0   3,851.2   3,860.6   3,890.4   3,945.2   3,947.6   3,945.5       3,946.3   3,921.4   3,976.9   3,941.8

            L I A B I L I T I E S

  17  Deposits                                           2,551.0   2,669.9   2,649.9   2,642.8   2,662.3   2,690.0   2,669.7   2,701.3       2,695.6   2,673.5   2,741.9   2,719.7
  18    Transaction                                        734.2     741.7     716.2     688.2     677.3     693.4     668.0     676.0         676.6     664.7     697.0     675.4
  19    Nontransaction                                   1,816.8   1,928.2   1,933.8   1,954.7   1,985.0   1,996.6   2,001.8   2,025.3       2,019.0   2,008.8   2,044.9   2,044.3
  20       Large time                                      276.5     309.7     311.9     320.7     319.7     324.3     328.1     333.8         333.5     334.2     335.7     337.0
  21       Other                                         1,540.2   1,618.5   1,621.8   1,634.0   1,665.2   1,672.2   1,673.7   1,691.4       1,685.5   1,674.6   1,709.2   1,707.3

  22  Borrowings                                           586.9     577.4     591.5     583.1     594.2     620.7     631.4     608.0         612.8     610.7     611.1     591.9
  23    From banks in the U.S.                             266.3     265.8     265.8     261.5     268.1     278.3     277.6     250.6         249.0     242.6     248.5     240.8
  24    From others                                        320.6     311.5     325.6     321.6     326.0     342.3     353.8     357.3         363.8     368.1     362.5     351.1

  25  Net due to related foreign offices                    79.5      66.2      73.6      79.9      72.5      78.8      92.2      79.4          81.8      80.4      72.9      72.9

  26  Other liabilities                                    152.7     173.8     176.7     185.8     182.1     178.9     174.2     174.4         173.9     174.5     173.2     178.6

  27  TOTAL LIABILITIES                                  3,370.1   3,487.2   3,491.8   3,491.7   3,511.0   3,568.4   3,567.5   3,563.1       3,564.0   3,539.1   3,599.0   3,563.1

  28  Residual (assets less liabilities) (7)               362.3     359.7     359.5     368.9     379.4     376.8     380.1     382.4         382.3     382.4     377.9     378.8

               MEMO
  29  Reval. gains on off-bal. sheet items (8)                --      36.0      47.5      55.9      49.0      49.5      42.0      38.5          39.0      37.1      37.5      41.2
  30  Reval. losses on off-bal. sheet items (8)               --      31.8      44.0      50.9      43.2      44.6      43.4      40.2          40.5      38.8      40.1      41.3
  31  Mortgage-backed securities (9)                          --     241.6     244.3     243.6     245.9     249.9     250.1     249.3         248.5     249.0     250.1     250.3



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 5
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                       July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,877.9   1,889.1   1,903.9   1,922.7   1,934.3   1,951.4   1,943.4   1,954.8       1,953.0   1,959.6   1,967.6   1,966.2

  2     Securities in bank credit                          434.1     424.4     430.3     440.5     434.7     444.6     428.0     424.3         423.0     424.7     430.8     431.9
  3        U.S. government securities                      308.0     297.7     300.9     295.4     299.3     307.3     304.1     305.6         304.6     304.8     311.1     308.1
  3a         Trading account                                20.9      19.5      17.3      16.2      18.3      20.3      19.4      23.1          21.1      22.6      29.0      25.5
  3b         Investment account                            287.1     278.2     283.6     279.2     281.0     286.9     284.7     282.4         283.4     282.2     282.1     282.6
  4        Other securities                                126.1     126.7     129.4     145.2     135.4     137.3     123.9     118.7         118.4     119.9     119.6     123.8
  4a         Trading account                                55.8      60.7      64.6      79.9      69.3      71.9      58.3      51.7          51.3      52.2      52.2      56.9
  4b         Investment account                             70.4      66.0      64.9      65.3      66.1      65.4      65.6      67.0          67.1      67.6      67.4      66.9
  4c           State and local government                   20.7      20.4      20.5      21.1      20.8      20.7      21.0      21.7          21.8      21.8      21.9      22.2
  4d           Other                                        49.7      45.7      44.3      44.1      45.3      44.7      44.5      45.3          45.3      45.9      45.5      44.7

  5     Loans and leases in bank credit (2)              1,443.8   1,464.7   1,473.6   1,482.1   1,499.7   1,506.8   1,515.3   1,530.5       1,530.0   1,534.9   1,536.9   1,534.3
  6        Commercial and industrial                       380.7     395.5     395.7     399.7     403.7     409.3     410.5     414.6         413.7     415.0     417.5     415.3
  6a         Bankers acceptances                             1.5       2.0       1.9       1.6       1.7       1.6       1.6       1.6           1.6       1.7       1.6       1.5
  6b         Other                                         379.2     393.4     393.8     398.0     402.0     407.7     408.9     413.0         412.1     413.3     415.9     413.8
  7        Real estate                                     588.7     589.9     590.7     591.4     597.2     600.3     606.8     611.4         611.5     610.2     610.6     611.6
  8          Revolving home equity                          56.3      58.6      58.7      59.1      59.9      60.5      61.4      62.3          62.4      62.5      61.5      61.7
  9          Other                                         532.4     531.4     532.0     532.3     537.3     539.8     545.4     549.1         549.1     547.7     549.1     549.9
  10       Consumer                                        292.0     294.4     297.3     299.0     297.7     296.2     297.5     297.8         297.8     297.9     296.1     298.3
  11       Security (3)                                     42.3      37.7      39.5      39.1      43.3      41.6      40.7      43.1          43.0      45.7      45.0      44.8
  11a        Fed funds and RPs with broker/dealer           26.5      21.8      23.6      23.8      26.8      23.6      23.1      26.2          26.6      28.5      28.3      28.1
  11b        Other                                          15.8      15.9      15.9      15.3      16.4      18.1      17.6      16.8          16.5      17.2      16.7      16.7
  12a      State and local government                       11.6      11.7      11.6      11.5      11.4      11.2      11.0      11.1          11.1      11.1      11.1      11.1
  12b      Agricultural                                      9.0       8.5       8.5       8.5       8.6       8.6       8.7       8.6           8.4       8.5       8.6       8.5
  12c      Fed funds and RPs with others                     5.6       5.1       5.6       4.8       5.8       6.8       5.3       5.8           5.1       8.1       6.5       6.6
  12d      All other loans                                  62.8      61.1      61.0      62.5      64.7      63.8      64.5      66.1          67.4      66.3      68.0      64.3
  12e      Lease financing receivables                      51.2      60.7      63.6      65.7      67.3      69.0      70.4      72.0          71.8      72.2      73.5      73.6

  13  Interbank loans                                      136.4     131.1     124.5     129.0     138.3     143.5     144.4     117.6         118.1     116.5     110.0     106.1
  13a   Fed funds and RPs with banks                        89.4      81.3      76.6      79.1      87.1      91.4      88.2      65.9          67.0      64.5      61.2      60.4
  13b   Other                                               47.1      49.8      47.9      49.9      51.2      52.1      56.2      51.7          51.0      52.0      48.8      45.8

  14  Cash assets (4)                                      129.8     135.5     135.2     131.9     137.0     141.6     139.4     139.3         135.8     147.9     134.0     134.5

  15  Other assets (5)                                     156.2     175.2     166.3     169.8     170.8     175.9     177.6     175.8         173.7     174.4     171.4     169.5

  16  TOTAL ASSETS (6)                                   2,262.8   2,294.2   2,293.6   2,317.3   2,344.3   2,375.9   2,368.6   2,351.1       2,344.3   2,362.2   2,346.2   2,339.6



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                           July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,391.5   1,435.7   1,427.6   1,425.5   1,433.3   1,445.4   1,435.2   1,449.3       1,440.4   1,464.6   1,449.9   1,440.9
  18    Transaction                                        428.8     401.9     398.3     388.4     381.6     381.3     371.0     373.8         369.4     392.0     364.7     361.5
  19    Nontransaction                                     962.8   1,033.7   1,029.3   1,037.1   1,051.7   1,064.1   1,064.2   1,075.5       1,071.0   1,072.6   1,085.2   1,079.4
  20       Large time                                      138.3     159.8     158.1     161.1     161.9     166.0     166.1     173.9         173.3     176.3     178.8     177.3
  21       Other                                           824.4     873.9     871.2     876.0     889.9     898.1     898.1     901.6         897.7     896.3     906.4     902.1

  22  Borrowings                                           437.4     425.9     435.9     435.3     448.9     461.6     461.9     433.7         429.7     422.5     435.6     428.9
  23    From banks in the U.S.                             180.4     188.8     188.1     187.4     194.0     195.3     184.2     160.5         153.6     146.9     162.8     161.5
  24    From others                                        257.0     237.2     247.8     247.9     254.9     266.3     277.8     273.2         276.0     275.6     272.8     267.4

  25  Net due to related foreign offices                    75.9      66.3      68.0      74.2      64.1      72.7      80.9      76.9          83.5      75.3      72.8      76.2

  26  Other liabilities                                    126.4     151.2     154.1     161.2     157.1     152.0     146.1     145.5         145.1     146.0     143.5     151.9

  27  TOTAL LIABILITIES                                  2,031.2   2,079.2   2,085.6   2,096.2   2,103.4   2,131.7   2,124.1   2,105.5       2,098.7   2,108.4   2,101.8   2,098.0

  28  Residual (assets less liabilities) (7)               231.6     215.0     208.0     221.1     240.9     244.3     244.5     245.6         245.6     253.8     244.4     241.6



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 7
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                   July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,880.8   1,889.4   1,907.2   1,920.4   1,929.5   1,950.4   1,945.6   1,957.2       1,959.5   1,951.2   1,973.8   1,966.2

  2     Securities in bank credit                          438.4     417.3     427.0     437.8     435.3     443.1     430.4     428.3         427.5     424.5     434.4     434.1
  3        U.S. government securities                      307.4     296.4     295.1     293.7     299.8     307.3     304.5     304.8         303.7     302.3     308.7     306.7
  3a         Trading account                                19.7      18.2      16.4      16.4      19.4      20.5      19.6      21.7          20.5      19.6      25.4      23.5
  3b         Investment account                            287.7     278.2     278.8     277.3     280.5     286.8     284.9     283.2         283.2     282.7     283.3     283.2
  3c           Mortgage-backed                                --     176.4     179.3     180.1     181.9     184.0     184.0     184.3         183.6     183.6     186.4     186.2
  3d           Other                                          --     101.8      99.4      97.2      98.6     102.7     100.9      98.9          99.7      99.1      96.9      97.0
  3e             1 year or less                               --      27.0      27.3      26.0      26.3      28.7      27.2      27.1          27.4      28.3      26.5      25.1
  3f             Between 1 and 5 years                        --      61.0      58.0      55.8      55.9      56.8      56.1      53.9          53.9      53.3      52.5      53.0
  3g             More than 5 years                            --      13.9      14.2      15.3      16.4      17.2      17.6      17.9          18.4      17.6      17.9      18.9
  4        Other securities                                131.0     120.9     131.9     144.1     135.5     135.8     125.9     123.5         123.8     122.2     125.6     127.4
  4a         Trading account                                61.1      54.2      66.5      78.8      69.8      70.7      60.5      56.9          56.9      55.3      59.1      61.5
  4b         Investment account                             69.9      66.7      65.4      65.4      65.7      65.0      65.3      66.6          66.9      66.9      66.6      66.0
  4c           State and local government                   20.7      20.5      20.6      21.1      20.8      20.9      21.2      21.8          21.9      21.9      21.6      21.6
  4d           Other                                        49.2      46.2      44.8      44.2      44.9      44.2      44.2      44.8          44.9      45.0      45.0      44.3

  5     Loans and leases in bank credit (2)              1,442.5   1,472.1   1,480.2   1,482.5   1,494.1   1,507.3   1,515.2   1,528.9       1,532.0   1,526.7   1,539.5   1,532.1
  6        Commercial and industrial                       382.0     392.5     393.5     399.7     406.2     414.7     415.6     416.1         415.9     415.2     420.3     416.6
  6a         Bankers acceptances                             1.4       2.1       1.9       1.6       1.6       1.5       1.5       1.5           1.6       1.6       1.5       1.4
  6b         Other                                         380.5     390.4     391.7     398.0     404.5     413.1     414.1     414.6         414.4     413.7     418.8     415.1
  7        Real estate                                     587.6     592.7     593.1     590.8     594.3     599.0     604.1     610.0         610.2     608.1     610.3     612.2
  8          Revolving home equity                          56.3      58.6      58.7      58.9      59.3      60.0      61.3      62.3          62.5      62.7      61.6      61.7
  9a         Other residential                                --     331.0     328.9     326.0     327.6     333.5     335.5     339.0         338.4     335.7     342.0     343.7
  9b         Commercial                                       --     203.1     205.5     205.9     207.4     205.4     207.3     208.6         209.4     209.8     206.7     206.8
  10       Consumer                                        291.1     298.2     301.9     298.8     294.9     294.1     295.9     296.8         297.0     297.1     294.7     295.5
  11       Security (3)                                     42.1      38.7      38.7      40.1      42.9      42.1      41.3      42.8          45.1      42.8      43.2      42.9
  11a        Fed funds and RPs with broker/dealer           26.1      21.9      22.7      24.0      26.5      24.6      23.9      25.8          27.9      25.1      26.3      26.7
  11b        Other                                          15.9      16.8      15.9      16.1      16.4      17.6      17.4      17.0          17.3      17.7      16.8      16.1
  12a      State and local government                       11.6      11.7      11.4      11.4      11.4      11.1      11.0      11.1          11.1      11.1      11.1      11.1
  12b      Agricultural                                      9.1       8.5       8.5       8.2       8.3       8.4       8.7       8.7           8.5       8.6       8.8       8.7
  12c      Fed funds and RPs with others                     5.8       4.6       5.7       5.6       5.7       6.5       5.3       5.9           5.3       8.1       6.8       6.8
  12d      All other loans                                  62.3      64.3      62.8      61.5      62.8      62.6      63.0      65.6          67.0      63.6      71.0      65.0
  12e      Lease financing receivables                      51.1      60.9      64.6      66.3      67.6      68.8      70.3      71.9          71.7      71.9      73.2      73.4

  13  Interbank loans                                      137.2     137.4     133.1     131.3     134.8     141.5     143.4     117.9         120.5     112.2     115.4     107.2
  13a   Fed funds and RPs with banks                        91.2      84.9      81.6      81.2      85.1      91.5      89.1      67.3          70.2      61.9      67.0      60.9
  13b   Other                                               46.1      52.5      51.5      50.1      49.7      50.0      54.3      50.6          50.3      50.3      48.4      46.3

  14  Cash assets (4)                                      127.9     146.8     143.0     134.6     130.6     139.1     137.4     136.6         140.1     132.7     142.4     134.6

  15  Other assets (5)                                     158.1     173.8     166.6     167.5     167.8     176.0     179.4     178.0         175.7     174.9     177.8     172.9

  16  TOTAL ASSETS (6)                                   2,266.4   2,310.6   2,313.9   2,317.8   2,326.5   2,370.7   2,369.5   2,353.3       2,359.3   2,334.6   2,373.0   2,344.6



      -------------------------------------------------

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H.8 (510)                                                                                                                                                                   Page 8
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                       July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,388.3   1,451.7   1,433.9   1,423.5   1,427.2   1,447.0   1,428.5   1,446.0       1,445.0   1,427.7   1,469.2   1,450.3
  18    Transaction                                        424.9     423.1     405.9     385.0     373.9     384.7     364.9     369.9         372.6     362.5     385.0     364.2
  19    Nontransaction                                     963.4   1,028.6   1,027.9   1,038.4   1,053.3   1,062.3   1,063.6   1,076.2       1,072.5   1,065.3   1,084.2   1,086.2
  20       Large time                                      138.2     157.4     158.0     163.3     161.0     166.5     169.1     173.7         173.5     174.1     175.4     176.6
  21       Other                                           825.2     871.2     869.9     875.2     892.3     895.8     894.6     902.5         899.0     891.2     908.8     909.5

  22  Borrowings                                           446.5     419.9     431.8     427.7     440.7     462.6     467.9     444.1         449.1     443.1     447.1     430.8
  23    From banks in the U.S.                             186.9     183.4     181.6     179.7     187.6     194.7     190.2     168.5         167.2     158.6     171.2     165.5
  24    From others                                        259.7     236.4     250.2     248.0     253.1     267.8     277.7     275.6         281.9     284.5     275.9     265.3

  25  Net due to related foreign offices                    74.3      63.4      69.7      76.0      68.6      74.4      88.1      75.8          78.6      76.8      69.0      69.0

  26  Other liabilities                                    127.7     149.0     152.0     160.2     155.1     152.2     147.4     147.3         146.8     147.4     146.4     151.8

  27  TOTAL LIABILITIES                                  2,036.7   2,084.0   2,087.3   2,087.3   2,091.6   2,136.2   2,131.9   2,113.2       2,119.5   2,095.0   2,131.7   2,102.0

  28  Residual (assets less liabilities) (7)               229.7     226.6     226.6     230.5     234.9     234.6     237.6     240.1         239.8     239.6     241.3     242.5

               MEMO
  29  Reval. gains on off-bal. sheet items (8)                --      36.0      47.5      55.9      49.0      49.5      42.0      38.5          39.0      37.1      37.5      41.2
  30  Reval. losses on off-bal. sheet items (8)               --      31.8      44.0      50.9      43.2      44.6      43.4      40.2          40.5      38.8      40.1      41.3
  31  Mortgage-backed securities (9)                          --     198.0     200.0     199.7     200.9     204.4     204.0     202.1         201.3     201.7     202.2     202.0
  31a   Pass-through                                          --     134.2     136.5     136.7     138.0     140.5     141.0     140.1         139.4     140.0     140.8     140.7
  31b   CMO, REMIC, and other                                 --      63.8      63.5      63.0      62.8      63.9      63.0      62.0          61.9      61.7      61.4      61.3
  32  Net unrealized gains (losses) on                        --       2.8       2.7       2.7       2.7       1.8       2.1       2.6           2.6       2.6       2.8       3.1
        available-for-sale securities (10)
  33  Offshore credit to U.S. residents (11)                28.7      31.7      30.9      32.1      32.9      33.3      33.6      33.4          32.9      32.8      33.6      33.6



      -------------------------------------------------

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H.8 (510)                                                                                                                                                                   Page 9
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                       July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,335.2   1,376.2   1,384.9   1,387.8   1,400.9   1,408.7   1,417.9   1,425.4       1,426.4   1,427.3   1,426.1   1,423.1

  2     Securities in bank credit                          402.3     401.0     404.7     403.2     406.9     409.5     410.0     408.4         409.2     407.9     406.9     405.9
  3        U.S. government securities                      322.2     321.5     324.4     323.3     325.7     326.3     327.0     326.2         326.7     325.5     325.3     324.4
  4        Other securities                                 80.0      79.6      80.4      79.9      81.3      83.2      83.0      82.2          82.5      82.4      81.6      81.5

  5     Loans and leases in bank credit (2)                933.0     975.2     980.2     984.6     994.0     999.2   1,007.9   1,017.0       1,017.2   1,019.4   1,019.2   1,017.2
  6        Commercial and industrial                       168.3     174.8     175.4     177.0     178.4     179.4     181.0     182.2         182.0     183.3     184.1     182.6
  7        Real estate                                     482.2     505.8     511.9     516.6     524.8     530.3     534.8     540.0         540.2     541.1     541.9     541.9
  8          Revolving home equity                          23.1      26.7      27.0      27.4      28.0      28.6      28.8      29.0          29.1      29.1      28.9      29.0
  9          Other                                         459.1     479.1     484.9     489.2     496.8     501.7     506.0     511.0         511.1     512.0     513.0     512.9
  10       Consumer                                        216.6     226.7     224.5     221.9     220.8     219.8     221.4     223.3         223.6     223.4     221.9     221.6
  11       Security (3)                                      4.8       4.8       4.7       4.9       5.2       4.9       4.9       4.9           4.9       4.9       5.0       5.0
  12       Other loans and leases                           61.1      63.1      63.7      64.2      64.7      64.8      65.8      66.5          66.4      66.7      66.4      66.1

  13  Interbank loans                                       46.7      52.1      51.7      54.8      59.0      53.5      53.6      54.2          52.8      54.2      56.6      54.4

  14  Cash assets (4)                                       61.4      64.3      65.9      68.6      70.6      71.9      70.4      73.0          71.6      75.8      72.7      74.5

  15  Other assets (5)                                      47.1      53.2      52.0      54.1      60.9      61.8      60.7      65.2          64.0      67.6      63.9      59.4

  16  TOTAL ASSETS (6)                                   1,471.2   1,526.3   1,534.8   1,545.6   1,571.6   1,576.1   1,582.4   1,597.6       1,594.6   1,604.6   1,599.1   1,591.0

            L I A B I L I T I E S

  17  Deposits                                           1,164.9   1,204.8   1,218.6   1,229.2   1,240.1   1,240.8   1,243.7   1,257.2       1,253.5   1,262.2   1,268.0   1,263.8
  18    Transaction                                        311.2     307.4     306.5     307.0     307.8     308.5     306.4     307.8         305.9     314.6     307.0     306.1
  19    Nontransaction                                     853.7     897.4     912.1     922.2     932.3     932.3     937.4     949.4         947.7     947.7     960.9     957.7
  20       Large time                                      138.8     153.3     155.2     156.7     157.8     156.8     158.2     160.7         160.4     161.2     161.8     161.5
  21       Other                                           714.9     744.1     756.9     765.5     774.5     775.5     779.2     788.7         787.2     786.5     799.2     796.2

  22  Borrowings                                           138.0     158.0     158.0     156.7     158.9     160.6     159.5     160.2         158.4     159.1     158.8     160.3
  23    From banks in the U.S.                              77.9      83.0      84.5      83.6      84.2      84.5      85.0      79.1          76.4      77.9      73.9      73.8
  24    From others                                         60.1      75.0      73.5      73.1      74.6      76.2      74.6      81.1          82.0      81.2      84.9      86.5

  25  Net due to related foreign offices                     5.3       2.7       4.0       4.0       3.9       4.4       4.1       3.7           3.2       3.7       3.9       3.9

  26  Other liabilities                                     25.6      25.3      24.5      25.2      26.6      26.4      27.1      27.5          27.8      27.4      27.2      26.8

  27  TOTAL LIABILITIES                                  1,333.8   1,390.7   1,405.1   1,415.1   1,429.5   1,432.3   1,434.5   1,448.6       1,442.9   1,452.4   1,457.8   1,454.7

  28  Residual (assets less liabilities) (7)               137.4     135.5     129.7     130.5     142.1     143.8     148.0     149.0         151.7     152.2     141.3     136.3



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                  Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                   July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,336.1   1,379.0   1,383.1   1,382.3   1,396.4   1,409.1   1,417.7   1,426.3       1,426.2   1,429.0   1,427.5   1,424.2

  2     Securities in bank credit                          404.2     400.6     403.3     401.5     408.3     412.9     411.8     410.2         411.1     410.7     407.0     405.8
  3        U.S. government securities                      324.2     321.0     323.1     322.0     326.8     329.5     328.5     328.0         328.7     328.4     325.7     324.4
  4        Other securities                                 79.9      79.6      80.2      79.6      81.5      83.5      83.3      82.1          82.4      82.3      81.3      81.4

  5     Loans and leases in bank credit (2)                931.9     978.4     979.8     980.8     988.1     996.2   1,006.0   1,016.1       1,015.2   1,018.3   1,020.5   1,018.4
  6        Commercial and industrial                       169.6     174.4     175.4     176.7     178.9     180.6     182.4     183.4         183.3     184.4     185.0     183.4
  7        Real estate                                     482.0     507.7     511.5     514.0     521.7     527.6     533.3     539.8         539.7     541.5     542.6     542.1
  8          Revolving home equity                          23.1      26.8      26.9      27.2      27.8      28.3      28.7      29.0          29.0      29.1      29.0      29.0
  9          Other                                         458.9     481.0     484.6     486.8     494.0     499.3     504.6     510.9         510.7     512.4     513.6     513.0
  10       Consumer                                        214.7     227.6     225.5     222.7     219.0     219.5     220.9     221.5         221.2     221.8     220.6     220.5
  11       Security (3)                                      4.7       5.0       4.9       5.1       5.2       4.9       4.7       4.8           4.7       4.5       4.9       5.1
  12       Other loans and leases                           61.0      63.7      62.5      62.3      63.2      63.6      64.6      66.5          66.3      66.1      67.4      67.5

  13  Interbank loans                                       43.8      55.1      53.0      56.9      58.9      53.9      50.1      51.4          49.0      45.6      53.0      55.8

  14  Cash assets (4)                                       60.1      68.0      68.1      67.8      68.4      70.5      70.1      71.6          70.7      69.4      77.1      76.9

  15  Other assets (5)                                      45.4      53.8      52.9      55.4      59.9      60.9      60.2      63.2          61.4      63.2      66.6      60.7

  16  TOTAL ASSETS (6)                                   1,466.0   1,536.3   1,537.4   1,542.8   1,563.9   1,574.5   1,578.0   1,592.2       1,587.0   1,586.8   1,603.9   1,597.3

            L I A B I L I T I E S

  17  Deposits                                           1,162.7   1,218.2   1,216.1   1,219.4   1,235.1   1,243.0   1,241.2   1,255.3       1,250.6   1,245.7   1,272.8   1,269.4
  18    Transaction                                        309.3     318.6     310.2     303.2     303.5     308.7     303.1     306.2         304.0     302.2     312.0     311.2
  19    Nontransaction                                     853.4     899.6     905.8     916.2     931.6     934.3     938.1     949.1         946.6     943.5     960.7     958.2
  20       Large time                                      138.3     152.3     153.9     157.4     158.7     157.9     159.0     160.2         160.0     160.1     160.3     160.4
  21       Other                                           715.1     747.3     751.9     758.8     772.9     776.4     779.1     788.9         786.6     783.4     800.4     797.8

  22  Borrowings                                           140.4     157.5     159.7     155.4     153.4     158.1     163.5     163.9         163.7     167.6     164.0     161.1
  23    From banks in the U.S.                              79.4      82.4      84.3      81.8      80.5      83.6      87.4      82.1          81.8      84.0      77.3      75.3
  24    From others                                         60.9      75.1      75.4      73.7      72.9      74.5      76.0      81.8          81.9      83.6      86.7      85.8

  25  Net due to related foreign offices                     5.3       2.7       4.0       4.0       3.9       4.4       4.1       3.7           3.2       3.7       3.9       3.9

  26  Other liabilities                                     25.1      24.8      24.7      25.7      27.0      26.7      26.8      27.1          27.1      27.1      26.8      26.7

  27  TOTAL LIABILITIES                                  1,333.4   1,403.2   1,404.5   1,404.4   1,419.4   1,432.3   1,435.6   1,449.9       1,444.5   1,444.1   1,467.4   1,461.0

  28  Residual (assets less liabilities) (7)               132.6     133.1     132.9     138.4     144.5     142.2     142.4     142.3         142.5     142.7     136.5     136.2

               MEMO
  29  Mortgage-backed securities (9)                          --      43.6      44.3      43.9      45.1      45.5      46.1      47.2          47.2      47.3      47.9      48.2



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                  Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                             July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          458.9     505.0     515.9     530.7     525.4     533.7     539.9     542.8         540.0     541.7     547.8     547.0

  2     Securities in bank credit                          146.8     164.5     170.2     177.0     173.0     178.1     175.6     177.7         173.3     175.0     182.6     185.5
  3        U.S. government securities                       77.2      87.6      81.8      85.4      83.6      87.8      89.9      92.3          87.7      91.0      97.7      99.4
  4        Other securities                                 69.6      76.9      88.4      91.6      89.4      90.2      85.7      85.4          85.6      84.0      84.9      86.0

  5     Loans and leases in bank credit (2)                312.1     340.6     345.7     353.6     352.4     355.6     364.3     365.1         366.8     366.7     365.1     361.6
  6        Commercial and industrial                       191.2     213.0     214.4     217.1     216.1     216.6     219.7     220.5         221.4     220.2     220.6     220.8
  7        Real estate                                      33.2      32.0      31.8      32.0      31.5      31.4      30.6      29.6          29.7      29.3      28.9      28.7
  11       Security (3)                                     31.8      36.2      38.1      39.8      39.7      43.2      43.5      46.0          46.6      47.5      46.8      44.0
  12       Other loans and leases                           55.9      59.3      61.3      64.7      65.1      64.5      70.5      69.0          69.1      69.7      68.8      68.1

  13  Interbank loans                                       21.9      21.7      22.7      20.9      22.7      18.9      20.6      19.9          19.9      19.3      21.4      18.4

  14  Cash assets (4)                                       28.0      31.1      31.1      32.9      32.4      32.7      34.0      35.7          36.1      36.8      36.6      36.3

  15  Other assets (5)                                      41.9      37.0      38.8      41.8      41.8      39.9      39.6      42.2          40.4      41.4      43.2      45.2

  16  TOTAL ASSETS (6)                                     550.7     594.7     608.2     626.0     622.0     625.0     633.9     640.3         636.2     638.9     648.7     646.7

            L I A B I L I T I E S

  17  Deposits                                             175.4     219.5     225.7     238.0     242.7     257.7     252.0     258.2         258.5     262.9     268.0     272.2
  18    Transaction                                         10.8      10.2      10.3       9.7      10.4      10.8      11.2      11.1          11.7      10.9      11.3      11.1
  19    Nontransaction                                     164.6     209.3     215.4     228.2     232.2     246.9     240.8     247.1         246.8     252.0     256.7     261.0
  20       Large time                                      162.3     206.5     213.2     224.3     228.7     244.5     238.4     244.7         244.4     249.6     254.3     258.5
  21       Other                                             2.3       2.8       2.2       4.0       3.6       2.5       2.4       2.4           2.4       2.4       2.5       2.5

  22  Borrowings                                           128.0     121.6     130.3     143.3     140.1     139.9     143.7     141.3         139.7     145.2     146.5     138.6
  23    From banks in the U.S.                              32.3      33.0      28.3      34.4      35.3      33.5      33.9      32.1          32.4      34.7      35.3      29.4
  24    From others                                         95.6      88.6     102.1     108.9     104.8     106.5     109.8     109.2         107.3     110.4     111.2     109.2

  25  Net due to related foreign offices                   177.4     162.2     150.3     139.4     141.1     134.6     148.7     148.8         149.6     133.8     138.3     139.1

  26  Other liabilities                                     68.1      83.3      90.8     100.6      94.8      92.9      90.2      91.6          90.6      88.1      92.9      96.5

  27  TOTAL LIABILITIES                                    548.9     586.5     597.1     621.3     618.6     625.1     634.7     639.9         638.4     630.0     645.7     646.4

  28  Residual (assets less liabilities) (7)                 1.8       8.1      11.1       4.7       3.4      -0.1      -0.8       0.4          -2.2       8.9       3.0       0.3



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                  Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                         July 18, 1997


               Account                                    1996      1996      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Jun       Dec       Jan       Feb       Mar       Apr       May       Jun         Jun 18    Jun 25     Jul 2     Jul 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          459.4     501.2     513.1     531.3     525.2     533.7     542.6     543.2         540.0     540.1     548.3     545.3

  2     Securities in bank credit                          147.4     158.2     166.3     178.0     173.7     178.5     180.5     178.4         173.8     174.0     180.4     181.8
  3        U.S. government securities                       76.9      85.1      82.8      87.2      86.6      87.3      90.5      91.0          87.3      88.8      93.6      94.1
  3a         Trading account                                  --      19.9      17.0      21.4      20.0      18.6      18.8      18.8          15.7      16.6      19.7      19.6
  3b         Investment account                               --      65.3      65.8      65.8      66.6      68.7      71.6      72.2          71.6      72.2      73.9      74.5
  4        Other securities                                 70.5      73.1      83.6      90.8      87.1      91.2      90.1      87.4          86.4      85.2      86.8      87.7
  4a         Trading account                                  --      51.3      58.6      65.2      60.4      61.4      60.0      58.6          57.7      56.8      58.6      58.6
  4b         Investment account                               --      21.8      24.9      25.7      26.7      29.8      30.1      28.8          28.7      28.4      28.2      29.1

  5     Loans and leases in bank credit (2)                312.0     343.0     346.8     353.3     351.6     355.2     362.0     364.9         366.2     366.1     367.9     363.5
  6        Commercial and industrial                       191.8     213.4     214.3     217.1     215.7     217.3     220.0     221.3         222.0     221.1     223.2     222.1
  7        Real estate                                      33.1      32.2      31.8      32.1      31.5      30.9      30.3      29.5          29.8      29.2      28.7      28.7
  11       Security (3)                                     31.8      36.2      38.1      39.8      39.7      43.2      43.5      46.0          46.6      47.5      46.8      44.0
  12       Other loans and leases                           55.3      61.2      62.6      64.4      64.6      63.8      68.3      68.2          67.8      68.3      69.3      68.7

  13  Interbank loans                                       21.9      21.7      22.7      20.9      22.7      18.9      20.6      19.9          19.9      19.3      21.4      18.4

  14  Cash assets (4)                                       28.6      32.2      31.5      32.1      31.8      31.8      34.0      36.4          36.8      37.3      38.0      36.6

  15  Other assets (5)                                      41.8      37.8      38.0      42.7      41.2      38.4      40.6      42.1          40.2      40.2      42.1      43.9

  16  TOTAL ASSETS (6)                                     551.6     592.7     605.0     626.7     620.6     622.7     637.6     641.4         636.7     636.6     649.6     643.9

            L I A B I L I T I E S

  17  Deposits                                             175.7     222.2     225.8     234.8     242.5     251.3     252.5     258.6         259.1     263.3     263.1     265.1
  18    Transaction                                         10.7      10.9      10.4       9.9      10.2      10.4      10.7      11.1          11.3      11.1      12.0      10.9
  19    Nontransaction                                     165.0     211.3     215.5     224.9     232.3     241.0     241.8     247.6         247.8     252.3     251.1     254.2
  20       Large time                                      162.8     208.5     213.2     221.0     228.7     238.6     239.4     245.2         245.4     249.9     248.7     251.8
  21       Other                                             2.3       2.8       2.2       3.9       3.5       2.4       2.4       2.4           2.4       2.4       2.4       2.4

  22  Borrowings                                           132.3     120.4     127.2     136.7     134.2     142.4     143.5     146.3         146.2     148.4     156.2     148.5
  23    From banks in the U.S.                              33.8      33.6      29.3      32.1      33.7      33.7      33.5      33.8          34.6      34.0      40.2      32.4
  24    From others                                         98.6      86.8      97.9     104.6     100.5     108.8     110.1     112.5         111.6     114.4     116.0     116.0

  25  Net due to related foreign offices                   170.2     163.8     159.1     148.6     145.8     131.5     144.5     140.6         137.8     133.0     134.6     134.6

  26  Other liabilities                                     68.8      81.9      89.9     103.1      94.7      92.7      92.9      92.6          90.3      88.4      92.3      93.2

  27  TOTAL LIABILITIES                                    547.1     588.3     602.0     623.3     617.2     617.9     633.4     638.0         633.4     633.2     646.2     641.4

  28  Residual (assets less liabilities) (7)                 4.5       4.4       3.0       3.4       3.5       4.7       4.2       3.4           3.2       3.4       3.4       2.6

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)                --      33.6      41.3      46.1      41.5      40.7      39.5      37.9          37.3      36.6      38.0      38.2
  30  Reval. losses on off-bal. sheet items (8)               --      32.7      41.1      47.7      43.8      43.5      42.4      40.8          40.2      39.5      40.9      41.5



      -------------------------------------------------

  Footnotes appear on page 13.




  H.8 (510)       Footnotes                                                                                                                                                Page 13
                                                                                                                                                                     July 18, 1997

  Note: This release and historical data are available on the Federal Reserve Board's web site: http://www.bog.frb.fed.us/. 
  

  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 10 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 nonfinancial businesses.


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