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

Release Date: January 23, 1998

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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                                                                                                                          January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,770.3   3,922.3   3,957.6   3,971.2   3,996.0   4,030.2   4,075.4   4,110.4       4,125.9   4,134.6   4,151.1   4,151.4

  2     Securities in bank credit                          989.8   1,010.2   1,031.6   1,025.4   1,032.1   1,046.1   1,081.1   1,101.6       1,108.1   1,116.9   1,121.3   1,119.8
  3        U.S. government securities                      705.4     724.9     726.7     715.5     724.4     731.9     745.3     751.5         756.0     769.3     764.5     758.1
  4        Other securities                                284.5     285.3     305.0     309.9     307.6     314.2     335.8     350.1         352.1     347.7     356.8     361.7

  5     Loans and leases in bank credit (2)              2,780.4   2,912.1   2,926.0   2,945.7   2,963.9   2,984.1   2,994.2   3,008.8       3,017.8   3,017.7   3,029.8   3,031.6
  6        Commercial and industrial                       782.2     813.8     817.0     825.6     837.6     844.3     847.2     857.0         860.2     863.0     863.9     864.5
  7        Real estate                                   1,129.0   1,189.4   1,198.2   1,205.5   1,214.0   1,219.3   1,225.8   1,225.9       1,224.9   1,225.6   1,229.7   1,228.0
  8          Revolving home equity                          84.8      91.9      93.2      94.3      95.5      96.4      97.4      98.3          98.6      98.6      98.5      98.6
  9          Other                                       1,044.2   1,097.5   1,105.1   1,111.2   1,118.5   1,122.9   1,128.4   1,127.6       1,126.2   1,127.1   1,131.2   1,129.4
  10       Consumer                                        521.0     517.7     517.6     518.8     515.2     509.2     509.7     509.7         508.8     506.9     506.8     506.7
  11       Security (3)                                     78.5      92.6      93.5      93.3      94.5     104.4      97.6      97.1          98.5     100.1     109.0     111.0
  12       Other loans and leases                          269.8     298.6     299.7     302.6     302.6     306.9     314.0     319.2         325.4     322.1     320.4     321.4

  13  Interbank loans                                      203.5     190.3     184.6     191.5     199.6     202.0     207.5     215.9         215.4     204.2     208.7     199.7

  14  Cash assets (4)                                      231.1     248.0     245.3     262.9     258.9     269.3     279.1     268.9         271.8     259.2     274.2     261.6

  15  Other assets (5)                                     262.2     286.2     282.1     283.9     284.2     293.9     303.8     305.7         306.6     318.7     306.5     301.8

  16  TOTAL ASSETS (6)                                   4,410.6   4,590.1   4,612.8   4,652.6   4,682.0   4,738.7   4,808.8   4,844.0       4,862.9   4,859.7   4,883.6   4,857.6

            L I A B I L I T I E S

  17  Deposits                                           2,858.6   2,969.0   3,005.2   3,029.8   3,045.8   3,060.1   3,105.1   3,115.9       3,138.3   3,108.5   3,119.8   3,110.5
  18    Transaction                                        718.5     693.6     690.1     697.2     683.0     682.3     692.3     687.5         708.4     692.2     669.4     672.7
  19    Nontransaction                                   2,140.0   2,275.4   2,315.0   2,332.6   2,362.8   2,377.8   2,412.8   2,428.3       2,429.9   2,416.2   2,450.4   2,437.9
  20       Large time                                      520.1     577.1     597.5     603.1     618.4     617.0     636.2     646.2         648.1     639.0     646.7     636.3
  21       Other                                         1,619.9   1,698.3   1,717.5   1,729.5   1,744.5   1,760.8   1,776.6   1,782.1       1,781.8   1,777.3   1,803.7   1,801.5

  22  Borrowings                                           705.8     730.1     730.3     744.9     767.2     807.6     828.3     832.3         822.6     833.7     840.0     834.5
  23    From banks in the U.S.                             305.2     270.2     266.1     277.8     285.4     294.9     306.1     313.6         307.6     304.6     304.3     301.4
  24    From others                                        400.5     459.9     464.1     467.1     481.8     512.8     522.2     518.7         515.0     529.1     535.7     533.1

  25  Net due to related foreign offices                   231.1     229.6     216.6     210.5     212.0     193.0     193.7     203.3         204.8     218.3     235.2     229.1

  26  Other liabilities                                    258.8     266.4     278.0     281.7     269.0     285.3     295.6     308.3         308.0     314.7     315.8     318.6

  27  TOTAL LIABILITIES                                  4,054.1   4,195.1   4,230.0   4,266.8   4,294.0   4,346.1   4,422.7   4,459.8       4,473.6   4,475.2   4,510.8   4,492.8

  28  Residual (assets less liabilities) (7)               356.5     395.1     382.8     385.8     388.0     392.6     386.1     384.2         389.3     384.5     372.7     364.8      



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

  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                                                                                                                      January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,769.6   3,926.2   3,953.5   3,972.3   3,997.5   4,031.6   4,078.9   4,105.2       4,114.6   4,137.9   4,152.6   4,153.2

  2     Securities in bank credit                          976.2   1,016.8   1,029.1   1,030.6   1,032.3   1,046.0   1,079.6   1,083.4       1,082.4   1,095.9   1,108.0   1,109.5
  3        U.S. government securities                      701.3     724.9     722.7     718.2     725.6     732.5     745.8     746.2         746.0     755.0     754.3     751.1
  4        Other securities                                274.9     292.0     306.3     312.4     306.7     313.4     333.8     337.2         336.4     340.9     353.7     358.4

  5     Loans and leases in bank credit (2)              2,793.4   2,909.3   2,924.5   2,941.8   2,965.2   2,985.7   2,999.2   3,021.8       3,032.3   3,042.0   3,044.5   3,043.8
  6        Commercial and industrial                       779.1     817.2     818.2     821.4     831.8     840.2     845.0     853.3         858.6     863.5     861.3     861.0
  7        Real estate                                   1,133.9   1,187.7   1,198.3   1,207.2   1,217.3   1,222.7   1,230.2   1,231.2       1,229.1   1,230.4   1,233.7   1,232.6
  8          Revolving home equity                          84.9      91.9      93.2      94.6      96.2      97.0      97.9      98.4          98.6      98.6      98.6      98.8
  9          Other                                       1,049.0   1,095.8   1,105.1   1,112.6   1,121.2   1,125.6   1,132.3   1,132.8       1,130.5   1,131.8   1,135.1   1,133.8
  10       Consumer                                        525.8     514.9     515.2     519.2     517.4     509.3     510.1     514.5         515.8     515.3     514.4     513.3
  11       Security (3)                                     79.7      92.2      92.0      91.4      93.6     104.2      99.6      98.5          99.3      99.6     107.1     110.8
  12       Other loans and leases                          274.9     297.3     300.7     302.6     305.1     309.3     314.4     324.3         329.4     333.2     328.0     326.0

  13  Interbank loans                                      212.8     187.7     182.3     187.1     194.1     196.8     212.2     225.3         218.6     214.8     222.4     214.6

  14  Cash assets (4)                                      247.5     244.7     241.7     249.3     255.6     270.2     287.3     287.5         280.6     314.2     284.5     285.0

  15  Other assets (5)                                     262.1     286.4     284.3     287.3     286.7     290.8     302.1     305.8         303.2     325.9     307.1     302.6

  16  TOTAL ASSETS (6)                                   4,435.3   4,588.3   4,605.1   4,639.0   4,677.0   4,732.9   4,823.5   4,866.8       4,860.2   4,935.9   4,910.0   4,898.8

            L I A B I L I T I E S

  17  Deposits                                           2,890.7   2,964.2   2,996.5   3,019.7   3,046.0   3,067.7   3,123.0   3,146.1       3,146.1   3,176.1   3,148.1   3,135.0
  18    Transaction                                        751.6     687.9     683.8     684.7     681.5     680.2     701.8     719.1         725.9     768.0     700.0     700.0
  19    Nontransaction                                   2,139.1   2,276.3   2,312.7   2,335.0   2,364.5   2,387.5   2,421.2   2,427.0       2,420.2   2,408.2   2,448.2   2,435.0
  20       Large time                                      518.8     576.9     593.2     602.2     613.7     624.4     640.7     644.4         645.6     632.6     641.7     634.7
  21       Other                                         1,620.3   1,699.4   1,719.5   1,732.8   1,750.8   1,763.1   1,780.5   1,782.6       1,774.6   1,775.6   1,806.5   1,800.3

  22  Borrowings                                           698.0     750.5     744.7     749.8     770.5     797.7     815.2     822.5         818.5     829.3     824.9     827.2
  23    From banks in the U.S.                             299.9     283.9     274.9     282.6     286.7     287.1     299.3     307.4         301.5     304.3     297.1     294.2
  24    From others                                        398.1     466.6     469.8     467.2     483.7     510.6     515.8     515.0         517.1     525.0     527.9     533.0

  25  Net due to related foreign offices                   229.8     219.9     212.9     206.2     204.3     193.6     188.3     199.8         204.4     229.3     238.1     238.1

  26  Other liabilities                                    254.7     268.7     276.3     280.7     269.5     283.9     299.9     303.3         298.3     307.5     309.3     313.8

  27  TOTAL LIABILITIES                                  4,073.3   4,203.3   4,230.4   4,256.3   4,290.2   4,343.0   4,426.3   4,471.7       4,467.3   4,542.3   4,520.6   4,514.1

  28  Residual (assets less liabilities) (7)               362.1     385.0     374.6     382.6     386.8     389.9     397.2     395.1         392.9     393.6     389.4     384.6

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              69.8      76.5      84.6      86.5      78.7      78.1      83.5      82.2          80.5      83.4      93.4      94.5
  30  Reval. losses on off-bal. sheet items (8)             64.8      80.3      87.9      89.6      81.8      81.5      85.6      85.8          84.3      85.8      97.1      97.5



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

  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                                                                                                                          January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,264.8   3,388.3   3,421.4   3,438.5   3,458.6   3,486.1   3,522.7   3,549.9       3,562.1   3,562.9   3,571.1   3,571.2

  2     Securities in bank credit                          824.9     836.5     851.5     847.5     849.7     864.9     884.8     901.1         905.6     910.1     917.0     919.5
  3        U.S. government securities                      618.6     635.2     636.4     629.8     636.7     645.5     659.2     667.2         669.5     676.2     680.8     680.9
  4        Other securities                                206.3     201.3     215.1     217.7     213.0     219.4     225.6     233.8         236.2     233.9     236.2     238.5

  5     Loans and leases in bank credit (2)              2,439.9   2,551.8   2,569.9   2,591.0   2,608.9   2,621.1   2,637.9   2,648.8       2,656.5   2,652.8   2,654.1   2,651.7
  6        Commercial and industrial                       569.2     595.6     598.9     605.9     615.5     620.7     624.6     632.9         635.4     638.2     637.5     636.1
  7        Real estate                                   1,097.0   1,159.9   1,169.7   1,177.1   1,186.1   1,191.6   1,198.8   1,199.3       1,198.6   1,199.5   1,202.6   1,200.6
  8          Revolving home equity                          84.8      91.9      93.2      94.3      95.5      96.4      97.4      98.3          98.6      98.6      98.5      98.6
  9          Other                                       1,012.2   1,068.0   1,076.6   1,082.9   1,090.7   1,095.2   1,101.4   1,101.0       1,100.0   1,100.9   1,104.1   1,102.0
  10       Consumer                                        521.0     517.7     517.6     518.8     515.2     509.2     509.7     509.7         508.8     506.9     506.8     506.7
  11       Security (3)                                     42.3      47.8      50.0      51.0      51.5      57.8      56.4      52.6          55.8      51.9      55.7      57.9
  12       Other loans and leases                          210.4     230.8     233.7     238.2     240.6     241.9     248.4     254.3         257.9     256.4     251.5     250.4

  13  Interbank loans                                      181.8     171.6     166.0     173.5     181.6     181.9     184.3     185.4         185.6     176.5     172.1     173.1

  14  Cash assets (4)                                      200.0     212.9     211.7     228.5     223.4     234.5     242.9     234.2         237.4     223.5     241.4     228.9

  15  Other assets (5)                                     225.9     245.6     239.6     241.4     242.1     252.7     259.2     264.4         266.7     278.2     267.1     258.1

  16  TOTAL ASSETS (6)                                   3,816.2   3,962.2   3,982.1   4,025.2   4,049.3   4,098.7   4,152.6   4,177.1       4,195.4   4,184.4   4,194.9   4,174.7

            L I A B I L I T I E S

  17  Deposits                                           2,639.0   2,715.6   2,740.6   2,766.4   2,780.3   2,799.2   2,833.0   2,837.9       2,860.3   2,835.6   2,844.2   2,842.1
  18    Transaction                                        708.3     683.0     679.5     686.0     672.2     671.9     681.6     677.0         697.5     681.9     658.3     661.9
  19    Nontransaction                                   1,930.7   2,032.6   2,061.1   2,080.3   2,108.1   2,127.3   2,151.4   2,160.9       2,162.8   2,153.7   2,185.8   2,180.3
  20       Large time                                      313.6     336.9     346.2     353.4     366.1     368.9     377.2     381.3         383.4     378.9     384.6     381.2
  21       Other                                         1,617.1   1,695.7   1,714.9   1,727.0   1,742.0   1,758.4   1,774.2   1,779.7       1,779.4   1,774.8   1,801.2   1,799.1

  22  Borrowings                                           584.0     591.7     595.2     607.4     623.9     645.8     663.2     675.0         677.7     676.4     686.7     678.4
  23    From banks in the U.S.                             272.3     239.8     235.9     246.6     249.5     257.2     275.6     285.9         283.6     278.8     281.5     277.5
  24    From others                                        311.7     351.8     359.4     360.8     374.3     388.6     387.7     389.1         394.1     397.6     405.2     400.9

  25  Net due to related foreign offices                    69.0      81.1      85.6      79.8      84.7      74.4      74.3      77.4          66.0      88.1      87.0      81.0

  26  Other liabilities                                    175.8     177.1     182.6     185.7     174.9     191.9     198.5     209.8         211.1     219.3     216.4     217.5

  27  TOTAL LIABILITIES                                  3,467.9   3,565.5   3,604.1   3,639.4   3,663.7   3,711.3   3,769.1   3,800.1       3,815.0   3,819.4   3,834.2   3,819.0

  28  Residual (assets less liabilities) (7)               348.2     396.7     378.0     385.8     385.5     387.4     383.5     377.0         380.3     365.0     360.7     355.7



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

  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                                                                                                                      January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,267.8   3,391.8   3,416.8   3,435.8   3,462.2   3,488.9   3,527.2   3,550.1       3,557.0   3,569.1   3,577.6   3,577.0

  2     Securities in bank credit                          817.4     842.4     849.9     849.1     851.6     864.9     884.0     890.8         890.4     897.8     911.6     914.4
  3        U.S. government securities                      616.9     636.4     635.0     630.9     638.9     647.0     660.2     664.5         663.8     666.4     672.1     672.6
  4        Other securities                                200.5     206.0     214.9     218.2     212.7     217.9     223.8     226.4         226.6     231.3     239.5     241.8

  5     Loans and leases in bank credit (2)              2,450.5   2,549.3   2,566.9   2,586.7   2,610.6   2,624.1   2,643.2   2,659.3       2,666.6   2,671.3   2,666.0   2,662.6
  6        Commercial and industrial                       565.7     598.3     599.0     601.5     611.1     617.9     622.6     628.8         632.0     637.0     634.8     632.7
  7        Real estate                                   1,101.7   1,158.3   1,169.9   1,178.8   1,189.4   1,194.8   1,202.8   1,204.5       1,202.9   1,204.1   1,206.6   1,205.2
  8          Revolving home equity                          84.9      91.9      93.2      94.6      96.2      97.0      97.9      98.4          98.6      98.6      98.6      98.8
  9          Other                                       1,016.8   1,066.4   1,076.7   1,084.2   1,093.2   1,097.8   1,104.9   1,106.1       1,104.2   1,105.5   1,107.9   1,106.4
  10       Consumer                                        525.8     514.9     515.2     519.2     517.4     509.3     510.1     514.5         515.8     515.3     514.4     513.3
  11       Security (3)                                     43.6      47.4      48.5      49.1      50.6      57.6      58.4      54.1          56.6      51.4      53.8      57.7
  12       Other loans and leases                          213.7     230.4     234.2     238.0     242.1     244.5     249.3     257.4         259.3     263.6     256.5     253.6

  13  Interbank loans                                      191.1     169.1     163.8     169.1     176.1     176.8     189.0     194.7         188.9     187.2     185.8     188.0

  14  Cash assets (4)                                      215.3     208.8     207.9     215.0     220.9     235.1     250.7     251.5         244.2     276.5     251.3     251.5

  15  Other assets (5)                                     225.0     245.9     242.5     243.9     244.3     249.9     257.3     263.5         263.5     285.7     267.9     260.2

  16  TOTAL ASSETS (6)                                   3,842.8   3,959.1   3,974.5   4,006.9   4,046.8   4,094.4   4,167.7   4,203.0       4,197.0   4,261.8   4,226.2   4,220.4

            L I A B I L I T I E S

  17  Deposits                                           2,668.4   2,710.4   2,734.9   2,758.5   2,781.4   2,798.9   2,847.3   2,865.1       2,863.4   2,901.2   2,873.1   2,866.3
  18    Transaction                                        740.7     677.4     673.2     673.8     670.3     669.7     691.1     707.9         714.2     756.4     688.7     689.1
  19    Nontransaction                                   1,927.7   2,033.0   2,061.7   2,084.7   2,111.2   2,129.2   2,156.2   2,157.2       2,149.2   2,144.8   2,184.3   2,177.2
  20       Large time                                      310.2     336.2     344.8     354.4     362.8     368.5     378.1     377.1         377.1     371.6     380.3     379.3
  21       Other                                         1,617.5   1,696.8   1,716.9   1,730.3   1,748.3   1,760.6   1,778.1   1,780.1       1,772.1   1,773.1   1,804.0   1,797.8

  22  Borrowings                                           577.5     607.1     600.8     607.1     626.2     640.7     655.4     667.2         674.5     674.5     673.2     673.9
  23    From banks in the U.S.                             266.4     251.9     242.9     250.9     251.8     252.7     268.9     279.2         278.1     277.2     272.6     267.9
  24    From others                                        311.1     355.3     357.9     356.2     374.5     388.0     386.5     388.0         396.3     397.3     400.6     406.0

  25  Net due to related foreign offices                    66.2      79.6      83.2      77.4      80.1      76.0      70.6      73.6          65.0      82.7      81.8      81.8

  26  Other liabilities                                    173.2     178.4     183.1     184.2     175.5     192.5     202.1     206.4         205.3     214.0     212.2     215.0

  27  TOTAL LIABILITIES                                  3,485.3   3,575.6   3,602.0   3,627.3   3,663.3   3,708.1   3,775.3   3,812.2       3,808.1   3,872.3   3,840.2   3,837.0

  28  Residual (assets less liabilities) (7)               357.5     383.5     372.5     379.6     383.4     386.2     392.3     390.8         388.9     389.5     386.0     383.4

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              36.0      38.5      44.3      45.1      37.5      38.2      41.5      41.3          40.8      42.8      49.6      51.4
  30  Reval. losses on off-bal. sheet items (8)             31.8      40.2      45.9      46.5      40.0      41.3      43.6      44.2          43.9      44.7      52.5      54.0
  31  Mortgage-backed securities (9)                       241.5     250.6     254.5     256.2     259.2     265.2     273.7     278.9         279.2     281.7     285.2     287.1



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

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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                                                                                                    January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,942.2   2,008.9   2,027.3   2,029.9   2,041.2   2,066.6   2,087.5   2,103.5       2,114.0   2,113.2   2,120.5   2,122.7

  2     Securities in bank credit                          432.2     432.8     445.0     440.2     443.0     458.8     476.2     490.3         493.9     496.5     503.8     508.9
  3        U.S. government securities                      305.4     314.1     313.0     305.2     312.1     321.6     334.9     341.7         343.4     348.2     353.2     355.7
  3a         Trading account                                19.6      22.2      23.7      20.6      23.3      25.2      26.5      29.4          29.8      32.0      31.6      29.1
  3b         Investment account                            285.8     291.9     289.4     284.6     288.8     296.5     308.4     312.3         313.6     316.2     321.6     326.6
  4        Other securities                                126.8     118.7     132.0     135.0     130.9     137.2     141.3     148.6         150.4     148.3     150.6     153.2
  4a         Trading account                                60.7      51.8      64.2      63.7      59.6      65.4      68.8      72.2          73.6      69.9      72.0      76.1
  4b         Investment account                             66.1      66.9      67.8      71.4      71.3      71.8      72.5      76.5          76.8      78.4      78.6      77.1
  4c           State and local government                   20.5      21.9      22.3      22.4      22.2      22.2      22.0      21.8          21.8      22.0      22.3      22.3
  4d           Other                                        45.6      45.0      45.4      48.9      49.0      49.6      50.5      54.6          55.0      56.4      56.3      54.8

  5     Loans and leases in bank credit (2)              1,510.0   1,576.2   1,582.3   1,589.6   1,598.2   1,607.8   1,611.3   1,613.2       1,620.1   1,616.7   1,616.7   1,613.7
  6        Commercial and industrial                       401.3     419.7     420.6     425.5     433.4     437.9     439.4     445.8         448.5     449.8     450.1     448.9
  6a         Bankers acceptances                             2.1       1.6       1.6       1.5       1.5       1.3       1.2       1.3           1.3       1.3       1.4       1.2
  6b         Other                                         399.2     418.0     419.0     424.0     431.9     436.6     438.2     444.5         447.1     448.6     448.8     447.7
  7        Real estate                                     619.7     642.1     641.6     642.1     643.6     643.8     644.5     641.5         640.0     641.3     641.3     638.6
  8          Revolving home equity                          60.1      64.3      65.0      65.6      66.6      67.2      67.6      68.3          68.5      68.4      68.5      68.6
  9          Other                                         559.6     577.8     576.6     576.5     577.0     576.7     576.9     573.2         571.5     572.9     572.8     570.0
  10       Consumer                                        301.7     305.3     306.0     303.8     301.6     298.3     295.9     293.3         292.4     292.0     291.8     292.0
  11       Security (3)                                     37.8      43.3      45.4      46.3      46.6      52.5      51.3      47.3          50.4      46.6      50.7      52.8
  11a        Fed funds and RPs with broker/dealer           21.9      26.4      28.6      30.0      29.7      35.4      35.0      31.1          33.8      30.4      35.0      35.4
  11b        Other                                          15.9      16.9      16.9      16.3      16.9      17.1      16.2      16.2          16.7      16.1      15.7      17.4
  12a      State and local government                       11.9      11.2      11.1      11.2      11.3      11.2      11.0      11.1          11.1      11.1      11.3      11.1
  12b      Agricultural                                      9.0       9.1       9.0       9.0       9.1       9.3       9.5       9.6           9.6       9.6       9.3       9.3
  12c      Fed funds and RPs with others                     5.7       6.5       7.4       6.4       6.6       8.9      10.7      12.4          12.8      14.4       9.6       8.9
  12d      All other loans                                  61.9      66.7      66.5      69.2      68.9      67.9      69.9      71.4          74.1      69.8      70.4      69.7
  12e      Lease financing receivables                      61.0      72.3      74.5      76.3      77.2      78.0      79.1      80.9          81.3      82.0      82.3      82.3

  13  Interbank loans                                      135.7     122.4     116.1     122.0     128.5     125.0     127.5     124.8         123.8     116.4     116.2     116.1
  13a   Fed funds and RPs with banks                        86.0      70.3      70.1      74.4      81.2      78.4      81.8      80.8          80.5      72.7      72.2      74.5
  13b   Other                                               49.7      52.0      46.0      47.6      47.3      46.6      45.7      44.0          43.3      43.7      44.0      41.6

  14  Cash assets (4)                                      139.8     144.5     143.7     157.0     151.4     164.2     170.2     162.9         164.7     153.3     172.3     158.8

  15  Other assets (5)                                     178.7     185.7     178.0     177.7     180.3     188.2     192.5     199.0         199.4     213.5     202.4     194.2

  16  TOTAL ASSETS (6)                                   2,359.0   2,424.5   2,427.9   2,449.7   2,464.9   2,507.4   2,541.2   2,553.7       2,565.6   2,559.7   2,574.8   2,555.3



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

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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)                                                                                        January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,483.0   1,500.1   1,494.8   1,509.0   1,516.9   1,525.5   1,545.8   1,548.5       1,565.5   1,541.9   1,549.2   1,540.0
  18    Transaction                                        412.8     385.1     379.2     383.4     371.9     372.8     379.0     377.4         392.8     377.8     366.5     363.9
  19    Nontransaction                                   1,070.1   1,115.1   1,115.6   1,125.5   1,145.0   1,152.7   1,166.7   1,171.1       1,172.7   1,164.0   1,182.7   1,176.1
  20       Large time                                      165.0     180.0     184.7     190.3     200.5     201.8     208.1     210.2         211.7     206.2     212.0     208.9
  21       Other                                           905.1     935.0     930.9     935.3     944.5     950.9     958.6     960.9         961.0     957.9     970.7     967.2

  22  Borrowings                                           431.6     441.3     440.3     449.4     467.1     491.1     506.4     514.4         517.7     517.3     528.7     522.0
  23    From banks in the U.S.                             187.5     159.3     158.7     168.7     175.5     182.8     200.7     209.7         208.2     203.9     207.8     203.4
  24    From others                                        244.1     282.0     281.6     280.7     291.6     308.3     305.7     304.7         309.5     313.4     321.0     318.6

  25  Net due to related foreign offices                    66.3      77.3      80.8      75.3      79.9      69.2      69.3      73.1          61.6      83.4      82.3      76.3

  26  Other liabilities                                    151.9     150.7     156.7     158.5     146.7     163.9     169.9     180.7         182.3     190.3     188.5     190.5

  27  TOTAL LIABILITIES                                  2,132.8   2,169.4   2,172.6   2,192.2   2,210.6   2,249.7   2,291.4   2,316.7       2,327.1   2,332.9   2,348.8   2,328.9

  28  Residual (assets less liabilities) (7)               226.2     255.1     255.2     257.5     254.2     257.7     249.8     236.9         238.5     226.8     226.0     226.4



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

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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                                                                                                January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,942.5   2,011.4   2,022.2   2,027.4   2,040.8   2,066.7   2,090.3   2,100.8       2,104.2   2,115.3   2,126.5   2,128.8

  2     Securities in bank credit                          425.1     436.9     444.2     443.6     444.5     459.7     476.9     480.5         477.4     484.9     500.2     504.8
  3        U.S. government securities                      304.1     313.4     312.5     307.9     313.8     324.1     337.5     339.3         336.7     339.3     346.1     348.2
  3a         Trading account                                18.3      20.8      22.6      21.3      23.4      26.1      28.0      27.0          24.8      26.2      28.0      28.0
  3b         Investment account                            285.9     292.6     289.9     286.7     290.4     298.0     309.5     312.3         311.9     313.1     318.1     320.2
  3c           Mortgage-backed                             180.8     188.8     190.3     189.2     191.1     196.7     205.1     209.9         210.4     212.7     215.8     217.4
  3d           Other                                       105.1     103.8      99.7      97.4      99.3     101.3     104.3     102.5         101.5     100.4     102.2     102.8
  3e             1 year or less                             28.0      28.3      26.6      26.6      27.4      26.1      28.6      27.3          27.6      24.5      24.3      24.8
  3f             Between 1 and 5 years                      63.2      56.1      52.0      49.6      49.4      52.3      53.1      52.9          51.4      53.2      52.4      52.4
  3g             More than 5 years                          13.9      19.4      21.0      21.3      22.5      22.9      22.6      22.3          22.6      22.7      25.5      25.6
  4        Other securities                                121.0     123.5     131.7     135.7     130.7     135.7     139.4     141.2         140.7     145.5     154.2     156.6
  4a         Trading account                                54.2      57.0      64.9      64.8      59.4      63.3      65.9      63.9          63.2      66.7      74.9      78.7
  4b         Investment account                             66.8      66.5      66.9      70.9      71.3      72.3      73.5      77.2          77.5      78.9      79.3      77.9
  4c           State and local government                   20.6      21.9      21.9      22.2      22.2      22.2      22.1      22.0          22.0      22.1      22.3      22.3
  4d           Other                                        46.1      44.6      44.9      48.7      49.1      50.2      51.4      55.3          55.5      56.8      57.0      55.6

  5     Loans and leases in bank credit (2)              1,517.4   1,574.5   1,577.9   1,583.8   1,596.4   1,607.0   1,613.4   1,620.3       1,626.8   1,630.5   1,626.3   1,624.1
  6        Commercial and industrial                       398.3     421.2     420.7     422.2     430.0     435.7     438.1     442.2         445.1     448.4     447.0     445.3
  6a         Bankers acceptances                             2.1       1.6       1.5       1.5       1.5       1.4       1.4       1.3           1.3       1.3       1.3       1.2
  6b         Other                                         396.2     419.6     419.2     420.8     428.5     434.4     436.8     440.9         443.8     447.1     445.7     444.2
  7        Real estate                                     622.5     640.7     641.4     642.6     644.6     644.7     646.2     644.6         642.2     643.7     644.8     643.2
  8          Revolving home equity                          60.2      64.3      65.0      65.8      66.9      67.5      68.0      68.3          68.4      68.5      68.6      68.8
  9a         Other residential                             347.8     358.2     358.3     359.1     358.8     356.9     356.9     354.4         351.5     353.6     356.5     354.9
  9b         Commercial                                    214.5     218.2     218.1     217.6     218.8     220.2     221.3     221.8         222.2     221.6     219.6     219.6
  10       Consumer                                        305.6     304.3     303.8     304.3     303.0     297.8     295.6     297.3         298.2     299.5     298.6     297.8
  11       Security (3)                                     38.8      43.0      44.1      44.4      45.7      52.4      53.0      48.5          51.2      45.9      48.4      52.4
  11a        Fed funds and RPs with broker/dealer           22.0      26.0      27.9      28.5      29.3      35.5      36.5      31.3          32.9      29.0      33.2      34.7
  11b        Other                                          16.9      17.0      16.2      15.9      16.5      16.9      16.5      17.2          18.3      16.9      15.2      17.7
  12a      State and local government                       11.8      11.2      11.2      11.3      11.4      11.2      11.1      11.1          11.1      11.1      11.1      10.9
  12b      Agricultural                                      8.9       9.2       9.3       9.3       9.4       9.4       9.5       9.5           9.5       9.7       9.4       9.2
  12c      Fed funds and RPs with others                     5.1       6.7       7.6       6.2       7.3       8.8       8.7      10.9          10.6      12.8       9.5       8.9
  12d      All other loans                                  65.1      66.2      65.9      68.0      68.5      69.0      72.1      75.1          77.5      76.5      73.8      72.5
  12e      Lease financing receivables                      61.2      72.2      74.0      75.4      76.5      78.0      79.1      81.2          81.4      83.0      83.8      83.7

  13  Interbank loans                                      142.0     122.7     116.4     118.6     124.7     119.6     127.2     130.8         127.8     126.9     123.7     128.0
  13a   Fed funds and RPs with banks                        89.5      71.7      69.5      71.3      78.0      73.3      81.9      84.5          81.2      79.4      76.4      82.8
  13b   Other                                               52.4      51.0      47.0      47.3      46.7      46.4      45.3      46.3          46.6      47.4      47.2      45.3

  14  Cash assets (4)                                      151.3     141.8     140.3     145.8     150.6     163.7     175.3     176.3         170.8     193.6     177.1     177.8

  15  Other assets (5)                                     177.3     187.9     180.9     180.2     182.0     185.7     189.9     197.4         198.3     215.2     200.9     195.8

  16  TOTAL ASSETS (6)                                   2,375.5   2,426.8   2,422.8   2,435.0   2,461.3   2,499.3   2,546.0   2,568.7       2,564.7   2,614.5   2,591.8   2,594.2



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

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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)                                                                                    January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,499.0   1,496.8   1,492.5   1,503.7   1,515.8   1,522.9   1,552.3   1,562.7       1,563.0   1,584.4   1,565.1   1,561.6
  18    Transaction                                        434.0     381.1     375.1     374.4     370.7     370.2     385.2     397.8         403.5     430.4     382.1     383.5
  19    Nontransaction                                   1,065.0   1,115.8   1,117.4   1,129.3   1,145.1   1,152.8   1,167.1   1,164.9       1,159.5   1,154.0   1,183.0   1,178.0
  20       Large time                                      162.6     179.8     184.2     191.6     197.5     201.0     208.6     207.1         206.7     200.9     209.7     209.0
  21       Other                                           902.4     935.9     933.2     937.7     947.6     951.7     958.5     957.9         952.8     953.1     973.3     969.1

  22  Borrowings                                           425.5     453.0     445.8     450.6     470.1     485.9     500.3     507.2         513.2     513.1     515.6     514.7
  23    From banks in the U.S.                             182.2     168.3     164.2     173.0     177.1     178.9     195.8     203.7         202.6     200.5     199.3     194.6
  24    From others                                        243.4     284.8     281.6     277.6     293.0     307.0     304.5     303.5         310.7     312.6     316.3     320.0

  25  Net due to related foreign offices                    63.4      75.8      78.4      72.9      75.3      70.8      65.6      69.3          60.6      78.0      77.1      77.1

  26  Other liabilities                                    149.7     152.6     157.0     156.9     147.6     164.6     173.6     177.8         177.1     185.8     184.2     187.9

  27  TOTAL LIABILITIES                                  2,137.7   2,178.2   2,173.7   2,184.1   2,208.9   2,244.2   2,291.8   2,317.0       2,314.0   2,361.3   2,342.0   2,341.2

  28  Residual (assets less liabilities) (7)               237.7     248.6     249.1     250.9     252.4     255.0     254.2     251.7         250.7     253.1     249.7     252.9

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              36.0      38.5      44.3      45.1      37.5      38.2      41.5      41.3          40.8      42.8      49.6      51.4
  30  Reval. losses on off-bal. sheet items (8)             31.8      40.2      45.9      46.5      40.0      41.3      43.6      44.2          43.9      44.7      52.5      54.0
  31  Mortgage-backed securities (9)                       204.1     207.9     208.2     207.4     209.3     214.9     223.3     228.1         228.3     230.9     233.8     235.8
  31a   Pass-through                                       136.4     143.2     143.8     142.6     144.1     148.8     153.6     156.7         157.4     158.2     159.2     160.7
  31b   CMO, REMIC, and other                               67.7      64.6      64.4      64.9      65.2      66.2      69.7      71.5          70.9      72.6      74.6      75.2
  32  Net unrealized gains (losses) on                       2.8       2.6       3.1       3.7       3.3       3.9       3.6       3.5           3.3       4.0       3.9       4.0
        available-for-sale securities (10)
  33  Offshore credit to U.S. residents (11)                31.7      33.4      33.7      34.0      34.1      34.2      34.4      34.2          34.6      34.4      35.5      35.5



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

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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                                                                                                    January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,322.6   1,379.4   1,394.1   1,408.7   1,417.4   1,419.5   1,435.2   1,446.4       1,448.2   1,449.7   1,450.5   1,448.5

  2     Securities in bank credit                          392.7     403.7     406.5     407.3     406.7     406.1     408.6     410.8         411.8     413.6     413.2     410.6
  3        U.S. government securities                      313.2     321.2     323.3     324.6     324.6     323.9     324.3     325.6         326.0     328.0     327.5     325.2
  4        Other securities                                 79.5      82.6      83.1      82.7      82.1      82.3      84.3      85.2          85.7      85.6      85.6      85.3

  5     Loans and leases in bank credit (2)                929.9     975.7     987.7   1,001.4   1,010.7   1,013.4   1,026.6   1,035.6       1,036.4   1,036.1   1,037.4   1,038.0
  6        Commercial and industrial                       167.9     176.0     178.3     180.5     182.1     182.8     185.2     187.1         187.0     188.4     187.4     187.2
  7        Real estate                                     477.3     517.8     528.1     535.0     542.6     547.8     554.3     557.8         558.6     558.1     561.3     562.0
  8          Revolving home equity                          24.6      27.6      28.1      28.6      28.9      29.3      29.8      30.0          30.1      30.1      30.0      30.0
  9          Other                                         452.6     490.2     500.0     506.4     513.7     518.5     524.5     527.8         528.5     528.0     531.3     532.0
  10       Consumer                                        219.3     212.4     211.6     215.0     213.6     210.9     213.9     216.4         216.4     214.9     215.0     214.6
  11       Security (3)                                      4.5       4.5       4.6       4.7       4.9       5.3       5.2       5.4           5.4       5.3       5.0       5.1
  12       Other loans and leases                           61.0      65.0      65.1      66.2      67.5      66.7      68.1      69.0          69.1      69.4      68.7      69.0

  13  Interbank loans                                       46.1      49.3      49.9      51.4      53.1      56.9      56.8      60.5          61.8      60.1      55.9      57.0

  14  Cash assets (4)                                       60.1      68.4      68.1      71.5      71.9      70.2      72.7      71.3          72.7      70.2      69.1      70.1

  15  Other assets (5)                                      47.1      59.9      61.6      63.6      61.8      64.4      66.8      65.4          67.2      64.7      64.6      63.9

  16  TOTAL ASSETS (6)                                   1,457.2   1,537.7   1,554.2   1,575.5   1,584.4   1,591.2   1,611.4   1,623.4       1,629.8   1,624.7   1,620.2   1,619.4

            L I A B I L I T I E S

  17  Deposits                                           1,156.0   1,215.5   1,245.8   1,257.4   1,263.4   1,273.7   1,287.3   1,289.4       1,294.8   1,293.7   1,294.9   1,302.1
  18    Transaction                                        295.5     298.0     300.3     302.6     300.3     299.1     302.6     299.6         304.7     304.0     291.9     297.9
  19    Nontransaction                                     860.5     917.5     945.5     954.8     963.1     974.6     984.7     989.8         990.1     989.7   1,003.1   1,004.2
  20       Large time                                      148.6     156.9     161.4     163.1     165.6     167.1     169.1     171.0         171.7     172.7     172.6     172.3
  21       Other                                           712.0     760.7     784.1     791.7     797.5     807.5     815.6     818.8         818.4     817.0     830.5     831.9

  22  Borrowings                                           152.4     150.4     155.0     158.1     156.8     154.7     156.8     160.6         160.1     159.1     158.0     156.4
  23    From banks in the U.S.                              84.8      80.6      77.2      78.0      74.0      74.4      74.9      76.2          75.4      74.9      73.8      74.1
  24    From others                                         67.6      69.9      77.8      80.1      82.8      80.3      82.0      84.4          84.6      84.2      84.2      82.3

  25  Net due to related foreign offices                     2.7       3.8       4.8       4.5       4.8       5.2       5.0       4.3           4.4       4.7       4.7       4.7

  26  Other liabilities                                     23.9      26.4      25.9      27.2      28.2      28.0      28.6      29.1          28.8      29.1      27.9      27.0

  27  TOTAL LIABILITIES                                  1,335.1   1,396.1   1,431.5   1,447.2   1,453.1   1,461.6   1,477.7   1,483.4       1,488.0   1,486.5   1,485.5   1,490.2

  28  Residual (assets less liabilities) (7)               122.1     141.6     122.8     128.3     131.3     129.7     133.7     140.0         141.8     138.2     134.7     129.2



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

  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                                                                                                January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,325.3   1,380.3   1,394.6   1,408.4   1,421.3   1,422.2   1,436.9   1,449.3       1,452.8   1,453.8   1,451.1   1,448.2

  2     Securities in bank credit                          392.2     405.5     405.7     405.5     407.1     405.2     407.1     410.4         413.0     412.9     411.3     409.7
  3        U.S. government securities                      312.8     323.1     322.5     323.0     325.1     322.9     322.7     325.2         327.1     327.1     326.0     324.5
  4        Other securities                                 79.5      82.5      83.1      82.5      82.0      82.3      84.4      85.2          85.9      85.8      85.3      85.2

  5     Loans and leases in bank credit (2)                933.1     974.8     988.9   1,002.9   1,014.2   1,017.1   1,029.8   1,039.0       1,039.8   1,040.9   1,039.8   1,038.5
  6        Commercial and industrial                       167.4     177.2     178.3     179.3     181.1     182.2     184.4     186.6         186.8     188.6     187.7     187.3
  7        Real estate                                     479.2     517.6     528.5     536.2     544.8     550.1     556.6     560.0         560.7     560.5     561.8     562.0
  8          Revolving home equity                          24.7      27.6      28.2      28.7      29.2      29.5      29.9      30.1          30.2      30.1      30.0      30.0
  9          Other                                         454.5     490.0     500.4     507.5     515.6     520.7     526.7     529.8         530.5     530.3     531.8     532.0
  10       Consumer                                        220.2     210.6     211.4     214.9     214.4     211.5     214.5     217.2         217.6     215.8     215.8     215.5
  11       Security (3)                                      4.7       4.4       4.4       4.7       4.8       5.2       5.4       5.6           5.4       5.5       5.4       5.3
  12       Other loans and leases                           61.6      64.9      66.2      67.8      69.1      68.1      68.8      69.6          69.2      70.5      69.0      68.4

  13  Interbank loans                                       49.1      46.4      47.4      50.5      51.4      57.1      61.8      63.9          61.0      60.3      62.2      60.0

  14  Cash assets (4)                                       64.0      67.0      67.6      69.1      70.3      71.4      75.5      75.1          73.5      82.9      74.2      73.6

  15  Other assets (5)                                      47.7      58.0      61.6      63.7      62.3      64.1      67.4      66.1          65.2      70.5      67.0      64.4

  16  TOTAL ASSETS (6)                                   1,467.3   1,532.3   1,551.7   1,571.9   1,585.5   1,595.1   1,621.6   1,634.3       1,632.3   1,647.3   1,634.4   1,626.2

            L I A B I L I T I E S

  17  Deposits                                           1,169.4   1,213.6   1,242.4   1,254.8   1,265.6   1,276.0   1,295.0   1,302.4       1,300.3   1,316.7   1,308.0   1,304.7
  18    Transaction                                        306.6     296.3     298.1     299.4     299.6     299.6     305.9     310.1         310.6     326.0     306.6     305.6
  19    Nontransaction                                     862.8     917.3     944.3     955.4     966.1     976.4     989.1     992.3         989.7     990.7   1,001.4     999.1
  20       Large time                                      147.6     156.3     160.6     162.8     165.3     167.5     169.5     170.0         170.4     170.7     170.6     170.3
  21       Other                                           715.1     760.9     783.7     792.6     800.8     808.9     819.5     822.2         819.3     820.0     830.8     828.8

  22  Borrowings                                           151.9     154.1     155.0     156.6     156.1     154.8     155.1     160.0         161.2     161.4     157.5     159.2
  23    From banks in the U.S.                              84.2      83.6      78.7      77.9      74.6      73.7      73.0      75.5          75.6      76.7      73.3      73.3
  24    From others                                         67.7      70.5      76.2      78.7      81.5      81.0      82.0      84.5          85.7      84.7      84.3      86.0

  25  Net due to related foreign offices                     2.7       3.8       4.8       4.5       4.8       5.2       5.0       4.3           4.4       4.7       4.7       4.7

  26  Other liabilities                                     23.5      25.9      26.1      27.3      27.9      28.0      28.5      28.6          28.2      28.1      27.9      27.1

  27  TOTAL LIABILITIES                                  1,347.5   1,397.4   1,428.3   1,443.2   1,454.4   1,463.9   1,483.5   1,495.2       1,494.1   1,511.0   1,498.2   1,495.7

  28  Residual (assets less liabilities) (7)               119.8     134.9     123.4     128.7     131.0     131.2     138.1     139.1         138.2     136.3     136.3     130.4

               MEMO
  29  Mortgage-backed securities (9)                        37.5      42.7      46.3      48.7      49.9      50.3      50.4      50.8          50.9      50.8      51.4      51.2



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

  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                                                                                                                          January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          505.5     533.9     536.2     532.6     537.5     544.1     552.6     560.5         563.7     571.7     580.0     580.2

  2     Securities in bank credit                          164.9     173.7     180.2     177.9     182.4     181.2     196.3     200.5         202.5     206.8     204.3     200.3
  3        U.S. government securities                       86.7      89.7      90.3      85.8      87.8      86.4      86.1      84.3          86.5      93.1      83.7      77.2
  4        Other securities                                 78.2      84.0      89.9      92.1      94.6      94.8     110.2     116.2         115.9     113.8     120.6     123.1

  5     Loans and leases in bank credit (2)                340.6     360.3     356.1     354.7     355.0     362.9     356.3     360.0         361.3     364.9     375.7     379.9
  6        Commercial and industrial                       213.0     218.1     218.0     219.7     222.2     223.6     222.6     224.1         224.8     224.8     226.4     228.4
  7        Real estate                                      32.0      29.5      28.5      28.3      27.9      27.7      27.0      26.5          26.3      26.2      27.1      27.4
  11       Security (3)                                     36.2      44.8      43.5      42.2      43.0      46.6      41.1      44.4          42.7      48.2      53.3      53.1
  12       Other loans and leases                           59.3      67.8      66.0      64.4      62.0      65.0      65.6      64.9          67.5      65.7      68.9      71.0

  13  Interbank loans                                       21.7      18.6      18.5      18.0      18.0      20.0      23.1      30.6          29.7      27.7      36.6      26.6

  14  Cash assets (4)                                       31.1      35.1      33.6      34.4      35.5      34.8      36.2      34.7          34.4      35.6      32.8      32.7

  15  Other assets (5)                                      36.4      40.6      42.5      42.6      42.0      41.3      44.5      41.4          39.9      40.5      39.5      43.6

  16  TOTAL ASSETS (6)                                     594.5     628.0     630.6     627.4     632.8     640.0     656.2     666.9         667.5     675.3     688.6     682.9

            L I A B I L I T I E S

  17  Deposits                                             219.6     253.3     264.6     263.4     265.6     260.9     272.1     278.0         278.0     272.9     275.6     268.4
  18    Transaction                                         10.2      10.6      10.6      11.2      10.8      10.4      10.7      10.5          11.0      10.4      11.1      10.8
  19    Nontransaction                                     209.3     242.8     253.9     252.2     254.8     250.5     261.4     267.4         267.0     262.5     264.6     257.6
  20       Large time                                      206.5     240.2     251.4     249.7     252.3     248.1     259.0     265.0         264.6     260.1     262.1     255.1
  21       Other                                             2.8       2.5       2.6       2.5       2.5       2.4       2.4       2.4           2.4       2.4       2.5       2.4

  22  Borrowings                                           121.7     138.4     135.0     137.4     143.3     161.8     165.1     157.3         144.8     157.3     153.3     156.1
  23    From banks in the U.S.                              32.9      30.4      30.3      31.2      35.9      37.7      30.5      27.7          24.0      25.8      22.7      23.9
  24    From others                                         88.8     108.1     104.7     106.3     107.4     124.2     134.5     129.6         120.8     131.6     130.6     132.2

  25  Net due to related foreign offices                   162.0     148.5     130.9     130.6     127.3     118.6     119.4     125.9         138.8     130.2     148.2     148.1

  26  Other liabilities                                     82.9      89.3      95.3      96.0      94.1      93.4      97.1      98.5          96.9      95.4      99.4     101.0

  27  TOTAL LIABILITIES                                    586.2     629.6     625.9     627.4     630.3     634.8     653.6     659.7         658.5     655.8     676.6     673.7

  28  Residual (assets less liabilities) (7)                 8.2      -1.6       4.8      -0.0       2.5       5.2       2.6       7.2           9.0      19.5      12.1       9.2



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

  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                                                                                                                      January 23, 1998


               Account                                    1996      1997      1997      1997      1997      1997      1997      1997                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 24    Dec 31     Jan 7    Jan 14 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          501.7     534.4     536.8     536.5     535.4     542.7     551.7     555.1         557.6     568.8     575.0     576.2

  2     Securities in bank credit                          158.8     174.4     179.1     181.5     180.7     181.1     195.6     192.6         191.9     198.1     196.5     195.0
  3        U.S. government securities                       84.4      88.4      87.7      87.3      86.7      85.6      85.7      81.7          82.2      88.6      82.3      78.4
  3a         Trading account                                19.1      17.8      17.0      18.3      17.2      15.1      17.6      16.0          17.5      21.1      16.2      11.2
  3b         Investment account                             65.3      70.6      70.7      68.9      69.5      70.5      68.1      65.7          64.6      67.5      66.0      67.2
  4        Other securities                                 74.4      86.0      91.4      94.2      94.0      95.5     110.0     110.9         109.8     109.5     114.2     116.6
  4a         Trading account                                51.1      57.7      60.3      61.4      61.4      62.7      69.8      70.2          69.5      70.7      73.9      73.4
  4b         Investment account                             23.3      28.2      31.1      32.8      32.6      32.8      40.1      40.6          40.3      38.9      40.3      43.2

  5     Loans and leases in bank credit (2)                342.9     360.0     357.6     355.1     354.6     361.6     356.1     362.6         365.7     370.6     378.5     381.2
  6        Commercial and industrial                       213.4     218.9     219.2     219.9     220.7     222.2     222.4     224.5         226.7     226.5     226.5     228.3
  7        Real estate                                      32.2      29.3      28.4      28.4      28.0      27.9      27.4      26.7          26.3      26.3      27.2      27.4
  11       Security (3)                                     36.2      44.8      43.5      42.2      43.0      46.6      41.1      44.4          42.7      48.2      53.3      53.1
  12       Other loans and leases                           61.2      67.0      66.5      64.6      63.0      64.9      65.1      66.9          70.1      69.7      71.5      72.4

  13  Interbank loans                                       21.7      18.6      18.5      18.0      18.0      20.0      23.1      30.6          29.7      27.7      36.6      26.6

  14  Cash assets (4)                                       32.2      35.9      33.8      34.3      34.7      35.2      36.5      36.0          36.3      37.7      33.2      33.5

  15  Other assets (5)                                      37.1      40.5      41.7      43.4      42.4      40.9      44.8      42.3          39.8      40.3      39.2      42.4

  16  TOTAL ASSETS (6)                                     592.5     629.1     630.6     632.1     630.2     638.6     655.9     663.8         663.3     674.1     683.8     678.4

            L I A B I L I T I E S

  17  Deposits                                             222.3     253.8     261.6     261.2     264.6     268.8     275.7     281.0         282.7     275.0     275.1     268.7
  18    Transaction                                         10.9      10.5      10.6      10.9      11.2      10.5      10.7      11.2          11.7      11.6      11.2      10.8
  19    Nontransaction                                     211.4     243.3     251.0     250.3     253.3     258.3     265.0     269.8         271.0     263.4     263.8     257.8
  20       Large time                                      208.5     240.7     248.5     247.8     250.9     255.9     262.6     267.3         268.6     260.9     261.4     255.4
  21       Other                                             2.8       2.5       2.5       2.5       2.5       2.5       2.5       2.5           2.4       2.5       2.5       2.4

  22  Borrowings                                           120.6     143.3     143.9     142.6     144.2     157.1     159.8     155.2         144.1     154.8     151.8     153.3
  23    From banks in the U.S.                              33.5      32.0      31.9      31.7      34.9      34.5      30.5      28.2          23.3      27.1      24.5      26.3
  24    From others                                         87.0     111.3     112.0     110.9     109.3     122.6     129.3     127.0         120.7     127.7     127.3     127.0

  25  Net due to related foreign offices                   163.6     140.3     129.7     128.7     124.1     117.6     117.6     126.3         139.5     146.7     156.4     156.4

  26  Other liabilities                                     81.6      90.3      93.2      96.4      94.0      91.4      97.9      97.0          92.9      93.5      97.2      98.8

  27  TOTAL LIABILITIES                                    588.0     627.7     628.4     629.0     626.9     634.9     651.0     659.5         659.2     670.0     680.4     677.1

  28  Residual (assets less liabilities) (7)                 4.5       1.5       2.2       3.0       3.4       3.7       4.9       4.3           4.0       4.1       3.4       1.2

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              33.8      38.0      40.3      41.5      41.2      39.9      42.0      40.9          39.7      40.5      43.8      43.1
  30  Reval. losses on off-bal. sheet items (8)             33.0      40.1      42.1      43.1      41.8      40.2      42.0      41.6          40.4      41.1      44.6      43.5



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

  Footnotes appear on page 13.




  H.8 (510)       Footnotes                                                                                                                                                Page 13
                                                                                                                                                                  January 23, 1998

  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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