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 8, 1999

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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 8, 1999  


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,073.6   4,249.8   4,262.8   4,282.5   4,344.2   4,400.2   4,496.5   4,533.1       4,570.8   4,565.7   4,549.0   4,530.5

  2     Securities in bank credit                        1,075.1   1,126.1   1,121.6   1,130.2   1,155.5   1,175.4   1,216.5   1,226.2       1,238.8   1,238.3   1,238.8   1,224.8
  3        U.S. government securities                      742.8     772.0     756.9     760.4     770.6     766.4     773.2     789.0         789.9     783.7     792.8     799.0
  4        Other securities                                332.3     354.0     364.7     369.8     384.9     409.1     443.2     437.2         448.9     454.6     446.1     425.8

  5     Loans and leases in bank credit (2)              2,998.5   3,123.7   3,141.3   3,152.3   3,188.7   3,224.8   3,280.0   3,306.9       3,332.0   3,327.3   3,310.2   3,305.7
  6        Commercial and industrial                       845.4     882.6     892.8     898.9     908.3     920.6     942.0     950.2         956.1     953.7     946.8     940.9
  7        Real estate                                   1,226.7   1,271.4   1,270.9   1,272.0   1,280.3   1,281.4   1,286.5   1,307.2       1,326.7   1,315.3   1,314.5   1,320.4
  8          Revolving home equity                          96.8      98.0      97.8      97.5      97.5      97.7      96.8      97.0          97.0      97.2      96.7      96.5
  9          Other                                       1,129.9   1,173.4   1,173.2   1,174.5   1,182.9   1,183.6   1,189.7   1,210.2       1,229.6   1,218.1   1,217.7   1,223.9
  10       Consumer                                        506.9     504.9     501.3     496.4     495.6     498.9     499.3     501.4         502.7     505.6     504.8     508.1
  11       Security (3)                                     99.7     123.2     130.3     132.5     139.1     144.5     159.5     154.4         152.0     154.6     157.7     149.8
  12       Other loans and leases                          319.8     341.7     346.0     352.5     365.3     379.4     392.7     393.6         394.6     398.1     386.4     386.5

  13  Interbank loans                                      200.7     203.1     218.4     214.7     209.3     223.3     222.9     221.9         208.0     217.0     223.8     224.4

  14  Cash assets (4)                                      273.1     250.7     250.3     243.5     251.9     252.8     243.5     250.2         260.7     241.5     259.2     234.2

  15  Other assets (5)                                     295.4     312.4     312.4     309.3     311.6     316.2     311.1     316.3         314.5     322.9     323.5     332.3

  16  TOTAL ASSETS (6)                                   4,786.1   4,958.4   4,986.3   4,992.2   5,059.6   5,134.8   5,215.9   5,263.2       5,295.7   5,288.8   5,297.0   5,262.8

            L I A B I L I T I E S

  17  Deposits                                           3,105.4   3,205.5   3,223.2   3,196.5   3,228.1   3,249.6   3,273.0   3,315.1       3,326.0   3,320.6   3,344.1   3,310.9
  18    Transaction                                        693.6     687.8     683.2     667.3     668.0     677.5     668.4     668.3         651.9     655.2     695.1     669.1
  19    Nontransaction                                   2,411.8   2,517.6   2,540.1   2,529.2   2,560.1   2,572.0   2,604.5   2,646.8       2,674.1   2,665.4   2,649.1   2,641.7
  20       Large time                                      633.3     674.9     685.4     667.2     678.9     684.2     696.4     707.0         706.9     703.6     697.3     697.5
  21       Other                                         1,778.5   1,842.7   1,854.7   1,862.0   1,881.1   1,887.8   1,908.1   1,939.8       1,967.2   1,961.8   1,951.8   1,944.3

  22  Borrowings                                           814.1     861.9     858.3     859.8     864.0     892.3     942.4     981.0         998.2     996.0     982.9     993.6
  23    From banks in the U.S.                             300.7     282.1     287.9     290.0     293.9     303.5     319.5     324.5         326.0     326.1     315.9     321.9
  24    From others                                        513.4     579.8     570.4     569.8     570.0     588.8     622.9     656.5         672.2     669.9     667.1     671.7

  25  Net due to related foreign offices                   185.0     174.4     170.6     186.3     201.4     200.3     223.7     216.9         226.1     213.4     211.5     206.1

  26  Other liabilities                                    280.3     299.1     307.8     317.4     325.7     334.3     348.4     327.3         323.1     333.0     329.1     328.1

  27  TOTAL LIABILITIES                                  4,384.8   4,540.8   4,560.0   4,560.0   4,619.1   4,676.4   4,787.5   4,840.3       4,873.4   4,863.0   4,867.7   4,838.7

  28  Residual (assets less liabilities) (7)               401.3     417.5     426.3     432.2     440.5     458.4     428.4     423.0         422.4     425.8     429.3     424.1      



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

  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 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,081.2   4,244.8   4,264.3   4,276.4   4,330.6   4,387.1   4,500.0   4,541.5       4,568.1   4,575.2   4,555.9   4,557.5

  2     Securities in bank credit                        1,074.6   1,130.8   1,124.5   1,124.6   1,147.0   1,163.4   1,212.8   1,225.9       1,236.4   1,231.5   1,227.4   1,222.7
  3        U.S. government securities                      744.3     776.7     759.4     756.6     765.7     761.2     770.6     790.1         793.0     784.1     788.6     792.6
  4        Other securities                                330.3     354.1     365.1     368.0     381.3     402.1     442.2     435.7         443.5     447.4     438.8     430.1

  5     Loans and leases in bank credit (2)              3,006.6   3,114.0   3,139.8   3,151.8   3,183.6   3,223.7   3,287.2   3,315.6       3,331.7   3,343.7   3,328.5   3,334.8
  6        Commercial and industrial                       844.1     888.1     895.5     898.5     902.3     915.2     939.9     948.8         947.2     949.6     946.9     945.4
  7        Real estate                                   1,232.9   1,265.1   1,268.5   1,274.1   1,283.9   1,286.3   1,293.2   1,313.8       1,332.5   1,319.9   1,316.0   1,322.4
  8          Revolving home equity                          97.5      97.6      97.5      97.5      97.6      98.4      97.6      97.7          97.4      97.5      96.9      96.9
  9          Other                                       1,135.4   1,167.5   1,171.0   1,176.6   1,186.3   1,187.9   1,195.6   1,216.1       1,235.1   1,222.5   1,219.2   1,225.5
  10       Consumer                                        509.4     499.6     498.5     494.4     497.3     501.7     501.1     503.9         505.4     511.2     512.6     517.5
  11       Security (3)                                    100.6     122.6     130.2     130.3     134.5     141.1     160.0     155.7         153.9     160.4     161.2     151.4
  12       Other loans and leases                          319.6     338.5     347.0     354.5     365.6     379.6     392.9     393.4         392.7     402.5     391.8     398.1

  13  Interbank loans                                      206.0     198.7     215.0     208.3     202.2     217.6     219.0     228.3         218.8     230.7     228.3     233.1

  14  Cash assets (4)                                      283.0     246.3     245.3     239.1     239.6     250.8     247.3     259.5         254.8     263.0     269.6     279.7

  15  Other assets (5)                                     296.5     311.8     310.9     310.5     313.6     317.4     310.3     317.4         314.8     323.1     320.6     334.5

  16  TOTAL ASSETS (6)                                   4,809.9   4,944.1   4,977.8   4,976.6   5,028.3   5,114.9   5,218.5   5,288.3       5,298.1   5,333.5   5,316.0   5,346.5

            L I A B I L I T I E S

  17  Deposits                                           3,123.6   3,189.0   3,215.3   3,189.0   3,217.9   3,253.7   3,276.6   3,333.7       3,339.3   3,358.2   3,356.4   3,373.1
  18    Transaction                                        704.5     676.0     678.2     662.4     654.6     672.8     664.4     679.0         655.1     692.9     716.8     741.8
  19    Nontransaction                                   2,419.1   2,513.0   2,537.1   2,526.6   2,563.3   2,580.9   2,612.3   2,654.6       2,684.1   2,665.3   2,639.6   2,631.3
  20       Large time                                      639.0     675.2     683.1     663.9     678.0     685.9     700.4     713.2         714.4     709.1     702.6     700.6
  21       Other                                         1,780.1   1,837.8   1,854.0   1,862.7   1,885.3   1,895.0   1,911.9   1,941.5       1,969.8   1,956.1   1,937.1   1,930.7

  22  Borrowings                                           811.6     867.5     868.1     864.4     857.0     895.8     938.7     976.9         977.1     993.7     986.8     991.3
  23    From banks in the U.S.                             301.0     283.3     290.9     290.2     290.0     302.4     315.4     324.8         326.1     331.3     323.4     325.6
  24    From others                                        510.6     584.2     577.2     574.1     567.0     593.5     623.3     652.1         651.0     662.4     663.4     665.7

  25  Net due to related foreign offices                   181.7     183.0     176.6     188.3     201.8     200.4     220.5     213.6         219.9     211.0     212.2     212.2

  26  Other liabilities                                    281.9     298.6     307.0     316.7     325.7     334.0     348.2     328.7         324.4     334.0     329.8     329.1

  27  TOTAL LIABILITIES                                  4,398.8   4,538.0   4,567.0   4,558.4   4,602.5   4,683.9   4,784.1   4,852.8       4,860.7   4,896.9   4,885.3   4,905.7

  28  Residual (assets less liabilities) (7)               411.2     406.1     410.8     418.2     425.8     431.0     434.4     435.5         437.4     436.6     430.7     440.8

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              84.2      85.9      92.7      92.7      95.7     110.0     130.1     110.0         118.7     123.2     113.8     105.4
  30  Reval. losses on off-bal. sheet items (8)             85.4      85.0      90.6      90.6      96.5     110.7     128.1     109.4         116.4     120.2     113.4     105.8



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

  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 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,525.8   3,685.7   3,694.7   3,709.5   3,753.8   3,793.5   3,868.2   3,909.1       3,951.3   3,949.2   3,953.5   3,942.7

  2     Securities in bank credit                          883.7     928.9     921.4     929.6     944.2     961.3     996.3   1,003.2       1,017.9   1,021.1   1,024.5   1,011.3
  3        U.S. government securities                      663.3     682.9     668.4     669.8     677.4     685.1     694.5     709.5         710.6     703.4     711.8     717.0
  4        Other securities                                220.5     246.0     253.0     259.8     266.8     276.2     301.8     293.7         307.4     317.8     312.7     294.3

  5     Loans and leases in bank credit (2)              2,642.1   2,756.8   2,773.3   2,779.9   2,809.6   2,832.2   2,871.9   2,905.9       2,933.4   2,928.1   2,929.0   2,931.4
  6        Commercial and industrial                       624.9     671.9     680.9     684.0     692.4     700.6     714.9     723.4         727.2     728.7     730.1     729.6
  7        Real estate                                   1,200.1   1,247.0   1,246.8   1,248.1   1,256.7   1,258.0   1,263.6   1,285.5       1,305.8   1,294.9   1,294.6   1,300.6
  8          Revolving home equity                          96.8      98.0      97.8      97.5      97.5      97.7      96.8      97.0          97.0      97.2      96.7      96.5
  9          Other                                       1,103.3   1,149.1   1,149.0   1,150.7   1,159.2   1,160.3   1,166.8   1,188.5       1,208.8   1,197.7   1,197.8   1,204.0
  10       Consumer                                        506.9     504.9     501.3     496.4     495.6     498.9     499.3     501.4         502.7     505.6     504.8     508.1
  11       Security (3)                                     57.4      62.0      67.7      69.9      73.6      75.4      87.9      87.6          85.7      85.6      88.7      82.7
  12       Other loans and leases                          252.7     271.0     276.6     281.5     291.2     299.3     306.2     308.0         311.9     313.2     310.9     310.5

  13  Interbank loans                                      177.1     181.4     194.4     192.6     186.7     191.9     193.0     190.7         184.9     188.7     185.7     187.0

  14  Cash assets (4)                                      238.2     216.0     215.5     208.5     217.9     218.7     207.8     216.5         226.0     205.9     226.9     200.9

  15  Other assets (5)                                     249.3     278.3     278.6     275.1     275.8     278.2     271.7     279.6         275.9     281.2     283.8     294.0

  16  TOTAL ASSETS (6)                                   4,134.0   4,303.9   4,325.8   4,328.2   4,377.2   4,424.9   4,483.0   4,537.9       4,580.2   4,567.0   4,591.6   4,566.1

            L I A B I L I T I E S

  17  Deposits                                           2,832.6   2,910.2   2,920.1   2,898.4   2,921.1   2,933.8   2,952.4   2,998.0       3,011.0   3,009.0   3,038.2   3,003.0
  18    Transaction                                        683.4     676.3     672.0     653.7     656.0     662.5     653.7     656.3         641.7     644.6     684.1     659.1
  19    Nontransaction                                   2,149.2   2,233.9   2,248.0   2,244.7   2,265.1   2,271.3   2,298.8   2,341.7       2,369.3   2,364.4   2,354.1   2,344.0
  20       Large time                                      374.1     391.7     393.1     384.1     383.6     382.5     394.7     407.2         406.4     406.2     405.2     403.2
  21       Other                                         1,775.1   1,842.2   1,854.9   1,860.6   1,881.5   1,888.8   1,904.0   1,934.4       1,963.0   1,958.2   1,948.9   1,940.8

  22  Borrowings                                           657.8     698.5     691.2     690.1     694.2     708.2     748.6     787.2         813.5     801.2     794.4     810.1
  23    From banks in the U.S.                             271.7     259.7     258.4     263.4     270.1     271.2     283.9     287.6         295.6     289.0     284.9     296.1
  24    From others                                        386.1     438.8     432.8     426.7     424.1     436.9     464.7     499.6         517.9     512.2     509.5     514.1

  25  Net due to related foreign offices                    67.9      73.3      73.4      79.3      92.8     105.1     117.7     117.6         124.1     114.0     114.1     115.4

  26  Other liabilities                                    184.2     211.7     217.9     224.0     226.6     230.5     241.5     225.2         220.1     227.7     231.4     230.5

  27  TOTAL LIABILITIES                                  3,742.5   3,893.6   3,902.5   3,891.7   3,934.7   3,977.6   4,060.2   4,128.0       4,168.7   4,151.9   4,178.1   4,159.1

  28  Residual (assets less liabilities) (7)               391.5     410.2     423.2     436.5     442.5     447.3     422.8     409.9         411.5     415.1     413.5     407.0



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

  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                                                                                                                       January 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,538.7   3,679.1   3,693.0   3,700.6   3,737.8   3,785.5   3,872.5   3,925.0       3,955.6   3,960.7   3,960.9   3,964.1

  2     Securities in bank credit                          886.9     929.7     921.2     921.2     931.4     952.5     992.3   1,008.2       1,018.9   1,016.9   1,018.7   1,013.4
  3        U.S. government securities                      663.7     687.0     670.8     666.3     671.7     680.0     691.4     709.7         712.6     703.7     709.0     711.8
  4        Other securities                                223.2     242.7     250.4     254.9     259.7     272.5     300.9     298.4         306.3     313.2     309.7     301.6

  5     Loans and leases in bank credit (2)              2,651.8   2,749.4   2,771.9   2,779.4   2,806.4   2,833.0   2,880.2   2,916.9       2,936.6   2,943.8   2,942.2   2,950.7
  6        Commercial and industrial                       623.9     678.0     683.7     683.8     687.5     696.2     713.0     722.3         720.6     725.1     728.1     729.7
  7        Real estate                                   1,206.0   1,240.9   1,244.5   1,250.5   1,260.4   1,263.0   1,270.0   1,291.9       1,311.5   1,299.5   1,296.1   1,302.5
  8          Revolving home equity                          97.5      97.6      97.5      97.5      97.6      98.4      97.6      97.7          97.4      97.5      96.9      96.9
  9          Other                                       1,108.5   1,143.2   1,147.1   1,153.0   1,162.8   1,164.6   1,172.4   1,194.2       1,214.1   1,202.0   1,199.3   1,205.6
  10       Consumer                                        509.4     499.6     498.5     494.4     497.3     501.7     501.1     503.9         505.4     511.2     512.6     517.5
  11       Security (3)                                     58.4      62.0      67.8      68.4      69.9      72.3      88.3      89.1          87.9      90.1      90.6      81.7
  12       Other loans and leases                          254.0     268.8     277.3     282.3     291.3     299.9     307.8     309.7         311.3     317.9     314.9     319.3

  13  Interbank loans                                      182.4     177.0     191.1     186.2     179.6     186.3     189.1     197.1         195.7     202.5     190.2     195.7

  14  Cash assets (4)                                      247.3     211.9     209.5     204.2     205.6     216.5     211.4     224.9         219.1     225.6     235.2     244.6

  15  Other assets (5)                                     249.8     277.3     277.9     276.8     276.9     279.4     271.9     280.2         274.5     280.3     280.9     296.3

  16  TOTAL ASSETS (6)                                   4,161.6   4,288.0   4,314.1   4,310.2   4,342.5   4,410.0   4,486.9   4,569.2       4,586.6   4,610.8   4,609.0   4,642.5

            L I A B I L I T I E S

  17  Deposits                                           2,851.3   2,890.9   2,910.3   2,892.7   2,912.2   2,936.4   2,956.6   3,017.5       3,023.0   3,044.2   3,044.8   3,060.2
  18    Transaction                                        694.2     664.7     667.0     648.7     642.6     657.1     649.6     667.1         645.0     681.6     705.2     730.9
  19    Nontransaction                                   2,157.0   2,226.2   2,243.3   2,244.0   2,269.6   2,279.3   2,307.0   2,350.5       2,378.0   2,362.6   2,339.6   2,329.4
  20       Large time                                      378.5     389.9     390.7     383.0     386.0     385.9     398.1     412.3         410.4     407.7     403.8     400.0
  21       Other                                         1,778.5   1,836.3   1,852.6   1,861.0   1,883.6   1,893.3   1,908.9   1,938.2       1,967.6   1,954.8   1,935.8   1,929.4

  22  Borrowings                                           655.3     704.1     700.9     694.6     687.2     711.7     744.9     783.1         792.4     798.9     798.3     807.9
  23    From banks in the U.S.                             272.0     260.9     261.3     263.6     266.2     270.1     279.9     287.9         295.6     294.2     292.4     299.8
  24    From others                                        383.3     443.2     439.6     431.0     421.0     441.6     465.1     495.2         496.7     504.8     505.9     508.1

  25  Net due to related foreign offices                    64.0      80.9      80.1      84.9      96.7     106.8     115.5     113.7         119.6     108.7     108.9     108.9

  26  Other liabilities                                    184.2     211.7     217.9     224.0     226.6     230.5     241.5     225.2         220.1     227.7     231.4     230.5

  27  TOTAL LIABILITIES                                  3,754.7   3,887.6   3,909.2   3,896.1   3,922.7   3,985.4   4,058.5   4,139.5       4,155.0   4,179.5   4,183.4   4,207.6

  28  Residual (assets less liabilities) (7)               406.9     400.4     404.9     414.1     419.8     424.6     428.4     429.7         431.6     431.3     425.6     434.9

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              41.2      45.6      50.5      51.0      51.9      61.7      78.7      62.7          68.3      73.0      69.5      60.5
  30  Reval. losses on off-bal. sheet items (8)             43.3      46.3      50.1      50.4      54.2      65.1      80.5      65.1          69.1      73.2      71.9      63.5
  31  Mortgage-backed securities (9)                       275.1     298.0     291.2     294.4     301.9     314.0     337.2     346.4         347.7     343.1     343.9     347.4



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

  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                                                                                                     January 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,157.2   2,276.7   2,274.6   2,274.3   2,305.1   2,336.1   2,394.9   2,411.6       2,438.6   2,433.4   2,436.9   2,421.2

  2     Securities in bank credit                          485.9     528.2     519.8     521.8     532.5     547.3     572.8     569.3         578.1     580.3     582.1     567.2
  3        U.S. government securities                      350.2     371.2     357.2     355.7     361.6     368.1     372.0     380.0         377.9     369.2     376.6     380.7
  3a         Trading account                                26.7      23.3      23.4      20.4      21.3      22.0      20.9      23.4          22.6      21.3      25.8      26.8
  3b         Investment account                            323.5     347.9     333.8     335.3     340.3     346.1     351.1     356.6         355.3     348.0     350.8     353.9
  4        Other securities                                135.7     157.0     162.7     166.1     170.9     179.2     200.8     189.3         200.2     211.0     205.5     186.4
  4a         Trading account                                63.4      75.6      79.5      81.1      83.1      89.5     109.1      92.5          99.7     109.4     103.8      84.9
  4b         Investment account                             72.4      81.4      83.2      85.0      87.7      89.8      91.7      96.8         100.6     101.7     101.7     101.5
  4c           State and local government                   22.3      22.8      22.2      22.4      22.6      23.2      23.9      24.6          24.8      25.0      25.0      25.1
  4d           Other                                        50.1      58.6      60.9      62.6      65.1      66.6      67.8      72.2          75.8      76.7      76.8      76.4

  5     Loans and leases in bank credit (2)              1,671.3   1,748.5   1,754.8   1,752.5   1,772.6   1,788.8   1,822.0   1,842.2       1,860.5   1,853.1   1,854.8   1,854.1
  6        Commercial and industrial                       450.2     488.8     495.9     497.4     502.7     508.7     521.2     527.9         530.1     531.4     532.5     531.9
  6a         Bankers acceptances                             1.3       1.3       1.2       1.3       1.3       1.3       1.2       1.2           1.2       1.3       1.3       1.2
  6b         Other                                         448.9     487.6     494.6     496.1     501.5     507.4     520.0     526.7         528.9     530.2     531.2     530.6
  7        Real estate                                     677.4     697.6     691.0     686.2     687.4     685.1     685.8     697.9         712.2     700.6     698.6     702.7
  8          Revolving home equity                          68.8      69.7      69.2      68.7      68.6      68.8      68.0      67.7          67.6      67.7      67.4      67.2
  9          Other                                         608.7     627.9     621.8     617.5     618.8     616.3     617.8     630.2         644.6     632.8     631.1     635.4
  10       Consumer                                        304.9     304.5     300.5     295.1     296.2     299.2     300.2     300.8         301.0     301.4     301.4     303.6
  11       Security (3)                                     52.2      56.3      61.7      63.9      67.4      68.9      81.3      80.8          78.9      79.1      82.5      76.5
  11a        Fed funds and RPs with broker/dealer           35.9      37.7      42.9      44.9      48.0      50.1      63.3      63.5          62.1      63.6      66.5      59.7
  11b        Other                                          16.4      18.6      18.9      19.0      19.4      18.8      18.0      17.3          16.8      15.5      16.0      16.9
  12a      State and local government                       12.0      11.3      11.3      11.1      11.5      11.6      11.6      11.9          11.6      11.6      11.5      11.6
  12b      Agricultural                                     10.0      10.1      10.1       9.9       9.9       9.9       9.9      10.0          10.1      10.1      10.2      10.2
  12c      Fed funds and RPs with others                     9.3       5.8       5.6       8.9       9.9      12.3      12.9      12.3          14.5      17.8      15.2      17.8
  12d      All other loans                                  74.6      79.9      83.6      83.7      88.8      93.0      97.8      97.8          97.9      96.5      96.3      93.1
  12e      Lease financing receivables                      80.7      94.2      95.1      96.3      98.7     100.0     101.4     102.8         104.1     104.7     106.6     106.7

  13  Interbank loans                                      126.1     118.6     128.4     123.6     115.4     117.2     118.5     118.7         118.3     123.4     119.7     122.2
  13a   Fed funds and RPs with banks                        86.6      67.1      76.9      69.8      62.2      63.9      73.2      74.9          73.4      77.4      70.7      71.9
  13b   Other                                               39.6      51.5      51.6      53.8      53.2      53.3      45.3      43.9          44.9      46.0      49.0      50.3

  14  Cash assets (4)                                      169.8     150.4     149.1     143.6     151.0     151.1     140.8     147.8         156.6     138.6     154.8     137.4

  15  Other assets (5)                                     190.9     217.8     214.8     212.3     211.4     210.8     202.1     205.7         200.6     206.1     206.2     210.4

  16  TOTAL ASSETS (6)                                   2,606.6   2,725.3   2,729.0   2,716.0   2,745.5   2,777.8   2,818.4   2,845.9       2,876.5   2,863.8   2,879.8   2,853.2



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

  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)                                                                                         January 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,612.7   1,648.7   1,645.8   1,621.6   1,629.3   1,629.7   1,641.0   1,666.1       1,670.4   1,667.9   1,687.5   1,659.0
  18    Transaction                                        396.4     390.0     383.9     368.4     370.0     373.7     367.2     368.3         357.5     358.4     383.7     371.8
  19    Nontransaction                                   1,216.2   1,258.7   1,261.9   1,253.2   1,259.4   1,256.0   1,273.8   1,297.8       1,312.9   1,309.5   1,303.7   1,287.2
  20       Large time                                      214.0     221.6     223.0     216.6     215.4     210.3     221.3     230.3         230.2     230.8     229.5     227.5
  21       Other                                         1,002.2   1,037.2   1,039.0   1,036.6   1,044.0   1,045.7   1,052.5   1,067.5       1,082.7   1,078.7   1,074.2   1,059.7

  22  Borrowings                                           510.1     541.2     531.7     525.4     530.3     543.1     576.7     609.5         630.5     620.3     613.0     624.8
  23    From banks in the U.S.                             203.6     190.9     188.5     190.2     197.1     198.0     207.0     208.1         212.9     207.4     203.8     213.2
  24    From others                                        306.5     350.3     343.2     335.2     333.2     345.1     369.7     401.4         417.6     412.9     409.2     411.6

  25  Net due to related foreign offices                    62.9      69.4      69.5      75.6      89.1     101.3     113.0     114.0         120.4     110.8     110.3     111.7

  26  Other liabilities                                    156.8     182.3     188.8     194.9     196.8     200.5     210.6     193.6         188.8     196.1     200.1     198.1

  27  TOTAL LIABILITIES                                  2,342.5   2,441.7   2,435.9   2,417.5   2,445.6   2,474.7   2,541.2   2,583.2       2,610.1   2,595.2   2,610.9   2,593.7

  28  Residual (assets less liabilities) (7)               264.1     283.6     293.1     298.4     299.9     303.1     277.1     262.7         266.4     268.6     268.8     259.5



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

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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 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,170.7   2,263.0   2,268.2   2,267.3   2,289.5   2,326.0   2,399.3   2,428.3       2,445.6   2,445.4   2,440.0   2,439.8

  2     Securities in bank credit                          492.2     524.8     516.5     514.8     520.8     539.3     571.8     577.6         582.5     578.4     576.7     570.2
  3        U.S. government securities                      353.3     372.0     356.9     353.4     356.8     363.4     371.1     383.1         382.4     371.5     374.1     376.6
  3a         Trading account                                28.0      22.5      22.5      19.9      21.2      21.9      21.9      24.6          24.5      21.9      24.2      23.4
  3b         Investment account                            325.3     349.4     334.4     333.6     335.6     341.5     349.2     358.6         357.9     349.5     349.9     353.2
  3c           Mortgage-backed                             212.2     226.3     217.7     219.1     225.9     236.5     255.3     258.0         256.6     250.6     251.4     252.9
  3d           Other                                       113.1     123.1     116.7     114.5     109.7     105.0      93.9     100.5         101.3      98.9      98.5     100.3
  3e             1 year or less                             31.4      31.6      31.6      30.4      29.0      27.7      26.1      27.2          27.0      25.7      26.2      26.9
  3f             Between 1 and 5 years                      57.2      52.5      49.2      52.1      48.9      44.2      37.2      38.2          38.7      38.3      38.4      38.2
  3g             More than 5 years                          24.5      39.0      35.9      31.9      31.8      33.0      30.6      35.2          35.6      34.9      33.8      35.3
  4        Other securities                                138.8     152.8     159.6     161.3     164.0     175.9     200.7     194.5         200.1     207.0     202.6     193.7
  4a         Trading account                                65.6      72.1      76.7      77.0      76.8      86.4     108.8      96.4          98.2     104.3     100.1      91.2
  4b         Investment account                             73.2      80.7      82.9      84.3      87.2      89.4      91.9      98.0         101.9     102.7     102.5     102.4
  4c           State and local government                   22.3      22.7      22.4      22.3      22.7      23.2      24.0      24.6          24.8      25.0      25.0      25.1
  4d           Other                                        50.9      58.0      60.6      62.1      64.6      66.2      67.9      73.4          77.1      77.8      77.5      77.3

  5     Loans and leases in bank credit (2)              1,678.5   1,738.2   1,751.7   1,752.6   1,768.7   1,786.8   1,827.5   1,850.7       1,863.1   1,867.0   1,863.3   1,869.5
  6        Commercial and industrial                       450.3     492.4     497.0     497.5     499.3     505.7     521.0     528.0         524.8     528.8     530.5     531.7
  6a         Bankers acceptances                             1.4       1.2       1.2       1.2       1.3       1.3       1.3       1.3           1.3       1.3       1.3       1.3
  6b         Other                                         448.9     491.2     495.7     496.2     498.1     504.4     519.7     526.7         523.4     527.4     529.1     530.4
  7        Real estate                                     681.4     689.8     688.2     688.5     690.7     688.4     689.8     702.1         716.9     704.1     698.7     703.8
  8          Revolving home equity                          69.4      69.2      69.0      68.9      68.9      69.4      68.6      68.4          68.0      68.1      67.5      67.6
  9a         Other residential                             373.5     382.5     382.2     382.8     384.5     380.6     382.6     393.6         409.7     395.9     390.4     395.0
  9b         Commercial                                    238.5     238.1     237.0     236.8     237.3     238.4     238.6     240.1         239.1     240.1     240.7     241.2
  10       Consumer                                        305.8     300.5     299.3     294.8     297.8     301.2     301.1     301.7         302.3     305.0     305.6     310.5
  11       Security (3)                                     53.2      56.3      61.9      62.3      63.7      65.8      81.7      82.3          81.1      83.6      84.4      75.6
  11a        Fed funds and RPs with broker/dealer           36.7      37.7      42.6      43.9      45.1      47.6      63.7      64.9          64.7      66.5      66.7      57.8
  11b        Other                                          16.5      18.7      19.3      18.5      18.6      18.3      18.0      17.3          16.4      17.0      17.7      17.8
  12a      State and local government                       12.1      11.2      11.2      11.1      11.5      11.6      11.7      12.0          11.8      11.7      11.7      11.7
  12b      Agricultural                                     10.1       9.9      10.1      10.3      10.3      10.2      10.1      10.1          10.0      10.0      10.1      10.4
  12c      Fed funds and RPs with others                     9.3       5.8       5.6       8.9       9.9      12.3      12.9      12.3          14.5      17.8      15.2      17.8
  12d      All other loans                                  75.7      78.7      83.8      83.4      88.1      92.5      98.3      99.3          97.9     101.4     100.5     100.2
  12e      Lease financing receivables                      80.7      93.5      94.7      95.8      97.5      98.9     101.0     102.8         104.0     104.6     106.7     107.9

  13  Interbank loans                                      128.0     118.0     128.9     122.6     112.9     116.0     115.7     120.8         119.4     131.7     122.4     129.8
  13a   Fed funds and RPs with banks                        88.2      66.8      77.2      69.1      60.4      63.4      70.6      76.6          74.1      84.7      71.9      77.3
  13b   Other                                               39.8      51.2      51.7      53.5      52.4      52.7      45.1      44.3          45.3      47.1      50.5      52.6

  14  Cash assets (4)                                      176.5     146.4     144.0     140.0     140.9     149.6     144.4     153.9         151.3     154.8     162.5     171.7

  15  Other assets (5)                                     190.9     217.8     214.8     212.3     211.4     210.8     202.1     205.7         200.6     206.1     206.2     210.4

  16  TOTAL ASSETS (6)                                   2,628.5   2,707.2   2,717.9   2,704.3   2,717.0   2,764.6   2,823.5   2,870.6       2,879.0   2,900.0   2,893.2   2,913.8



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

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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 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,624.8   1,629.0   1,639.5   1,621.6   1,626.9   1,635.8   1,647.2   1,679.3       1,676.9   1,696.1   1,692.3   1,702.4
  18    Transaction                                        403.0     380.6     380.5     366.2     360.8     370.6     364.9     375.0         356.7     385.5     398.8     423.8
  19    Nontransaction                                   1,221.9   1,248.4   1,259.0   1,255.4   1,266.1   1,265.2   1,282.3   1,304.4       1,320.2   1,310.7   1,293.5   1,278.6
  20       Large time                                      218.5     219.8     220.6     215.5     217.8     213.7     224.7     235.4         234.2     232.4     228.1     224.4
  21       Other                                         1,003.4   1,028.6   1,038.4   1,039.9   1,048.4   1,051.5   1,057.6   1,069.0       1,086.0   1,078.3   1,065.4   1,054.2

  22  Borrowings                                           508.0     546.4     541.1     529.9     522.1     543.2     572.4     605.8         612.2     617.2     612.4     621.1
  23    From banks in the U.S.                             204.8     191.5     190.9     190.2     192.4     195.7     203.5     209.5         214.6     212.6     209.5     216.3
  24    From others                                        303.2     355.0     350.1     339.7     329.7     347.5     369.0     396.3         397.6     404.5     402.8     404.8

  25  Net due to related foreign offices                    59.0      77.1      76.2      81.2      92.9     103.0     110.9     110.1         116.0     105.5     105.2     105.2

  26  Other liabilities                                    156.8     182.3     188.8     194.9     196.8     200.5     210.6     193.6         188.8     196.1     200.1     198.1

  27  TOTAL LIABILITIES                                  2,348.6   2,434.9   2,445.6   2,427.6   2,438.8   2,482.5   2,541.1   2,588.8       2,593.8   2,614.9   2,610.0   2,626.7

  28  Residual (assets less liabilities) (7)               279.8     272.3     272.3     276.7     278.2     282.1     282.4     281.9         285.2     285.2     283.2     287.1

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              41.2      45.6      50.5      51.0      51.9      61.7      78.7      62.7          68.3      73.0      69.5      60.5
  30  Reval. losses on off-bal. sheet items (8)             43.3      46.3      50.1      50.4      54.2      65.1      80.5      65.1          69.1      73.2      71.9      63.5
  31  Mortgage-backed securities (9)                       230.6     247.9     239.9     242.6     249.3     260.1     280.4     287.1         287.4     281.6     281.9     285.4
  31a   Pass-through                                       155.6     165.6     157.7     157.8     161.1     167.1     189.3     196.6         197.2     193.1     194.2     194.8
  31b   CMO, REMIC, and other                               75.0      82.3      82.2      84.8      88.2      93.0      91.1      90.5          90.2      88.5      87.7      90.5
  32  Net unrealized gains (losses) on                       2.3       2.8       3.2       3.5       3.1       3.7       4.4       3.1           3.1       3.0       3.0       2.9
        available-for-sale securities (10)
  33  Offshore credit to U.S. residents (11)                34.4      36.0      36.1      35.3      35.6      36.8      38.5      39.1          37.3      37.6      39.8      39.8



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

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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 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,368.6   1,409.0   1,420.0   1,435.2   1,448.7   1,457.4   1,473.4   1,497.5       1,512.7   1,515.8   1,516.6   1,521.5

  2     Securities in bank credit                          397.8     400.7     401.6     407.8     411.7     414.0     423.5     433.9         439.8     440.9     442.4     444.1
  3        U.S. government securities                      313.1     311.8     311.2     314.1     315.8     317.0     322.5     329.4         332.7     334.1     335.2     336.3
  4        Other securities                                 84.7      89.0      90.4      93.6      95.9      97.0     101.0     104.4         107.1     106.8     107.2     107.8

  5     Loans and leases in bank credit (2)                970.8   1,008.3   1,018.5   1,027.4   1,037.1   1,043.4   1,049.9   1,063.7       1,072.9   1,074.9   1,074.2   1,077.4
  6        Commercial and industrial                       174.8     183.0     185.0     186.6     189.7     191.9     193.7     195.5         197.1     197.3     197.6     197.8
  7        Real estate                                     522.7     549.4     555.7     562.0     569.3     572.9     577.8     587.6         593.7     594.4     596.0     597.9
  8          Revolving home equity                          28.0      28.3      28.6      28.8      28.9      28.9      28.8      29.3          29.5      29.5      29.3      29.3
  9          Other                                         494.7     521.1     527.2     533.2     540.4     544.0     549.0     558.4         564.2     564.9     566.7     568.6
  10       Consumer                                        202.0     200.4     200.8     201.3     199.4     199.6     199.1     200.7         201.7     204.2     203.3     204.5
  11       Security (3)                                      5.2       5.7       6.0       6.0       6.2       6.4       6.6       6.8           6.8       6.5       6.2       6.1
  12       Other loans and leases                           66.2      69.8      71.0      71.5      72.4      72.4      72.7      73.1          73.6      72.6      71.1      71.1

  13  Interbank loans                                       51.0      62.7      66.0      68.9      71.3      74.7      74.5      72.0          66.7      65.3      66.0      64.8

  14  Cash assets (4)                                       68.4      65.6      66.4      64.9      67.0      67.6      67.0      68.7          69.3      67.3      72.0      63.4

  15  Other assets (5)                                      58.4      60.5      63.7      62.8      64.5      67.4      69.7      73.9          75.3      75.1      77.6      83.6

  16  TOTAL ASSETS (6)                                   1,527.4   1,578.6   1,596.8   1,612.2   1,631.7   1,647.1   1,664.6   1,692.0       1,703.7   1,703.2   1,711.8   1,712.9

            L I A B I L I T I E S

  17  Deposits                                           1,219.9   1,261.4   1,274.2   1,276.7   1,291.8   1,304.1   1,311.5   1,331.8       1,340.7   1,341.0   1,350.7   1,344.0
  18    Transaction                                        286.9     286.3     288.1     285.2     286.1     288.8     286.5     288.0         284.3     286.1     300.3     287.2
  19    Nontransaction                                     933.0     975.2     986.1     991.5   1,005.8   1,015.3   1,025.0   1,043.9       1,056.4   1,054.9   1,050.4   1,056.8
  20       Large time                                      160.1     170.1     170.1     167.5     168.2     172.2     173.4     176.9         176.2     175.4     175.7     175.6
  21       Other                                           772.9     805.0     816.0     824.0     837.6     843.1     851.5     867.0         880.2     879.5     874.7     881.1

  22  Borrowings                                           147.7     157.3     159.4     164.7     163.8     165.1     171.9     177.8         183.0     180.9     181.4     185.3
  23    From banks in the U.S.                              68.2      68.7      69.9      73.2      73.0      73.3      76.9      79.5          82.7      81.6      81.1      82.9
  24    From others                                         79.5      88.6      89.6      91.4      90.8      91.8      95.0      98.3         100.3      99.3     100.3     102.5

  25  Net due to related foreign offices                     5.0       3.8       3.9       3.7       3.7       3.7       4.7       3.6           3.6       3.2       3.7       3.7

  26  Other liabilities                                     27.4      29.3      29.1      29.1      29.7      30.0      30.9      31.6          31.4      31.6      31.3      32.4

  27  TOTAL LIABILITIES                                  1,400.0   1,451.9   1,466.6   1,474.2   1,489.1   1,502.9   1,518.9   1,544.8       1,558.7   1,556.7   1,567.2   1,565.5

  28  Residual (assets less liabilities) (7)               127.4     126.6     130.2     138.0     142.6     144.2     145.7     147.2         145.0     146.5     144.7     147.5



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

  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 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,368.0   1,416.1   1,424.8   1,433.3   1,448.3   1,459.5   1,473.2   1,496.8       1,510.0   1,515.3   1,521.0   1,524.4

  2     Securities in bank credit                          394.7     404.9     404.7     406.4     410.6     413.3     420.5     430.6         436.5     438.5     442.0     443.2
  3        U.S. government securities                      310.3     315.0     313.9     312.8     315.0     316.6     320.2     326.6         330.2     332.3     334.9     335.2
  4        Other securities                                 84.4      89.9      90.8      93.6      95.7      96.7     100.2     104.0         106.2     106.2     107.1     107.9

  5     Loans and leases in bank credit (2)                973.3   1,011.2   1,020.1   1,026.9   1,037.7   1,046.3   1,052.7   1,066.2       1,073.5   1,076.8   1,079.0   1,081.2
  6        Commercial and industrial                       173.6     185.6     186.7     186.4     188.2     190.5     192.0     194.2         195.8     196.4     197.6     198.1
  7        Real estate                                     524.6     551.1     556.4     562.0     569.7     574.6     580.2     589.8         594.6     595.4     597.4     598.7
  8          Revolving home equity                          28.1      28.4      28.5      28.6      28.7      29.0      29.0      29.3          29.4      29.4      29.3      29.3
  9          Other                                         496.5     522.6     527.9     533.4     541.0     545.5     551.2     560.4         565.2     566.1     568.1     569.4
  10       Consumer                                        203.6     199.1     199.2     199.6     199.5     200.5     200.0     202.3         203.2     206.1     206.9     207.0
  11       Security (3)                                      5.2       5.7       6.0       6.0       6.2       6.4       6.6       6.8           6.8       6.5       6.2       6.1
  12       Other loans and leases                           66.2      69.7      71.9      72.8      74.0      74.3      73.8      73.2          73.1      72.3      70.8      71.3

  13  Interbank loans                                       54.4      59.0      62.2      63.6      66.8      70.2      73.5      76.3          76.3      70.7      67.8      65.8

  14  Cash assets (4)                                       70.9      65.5      65.5      64.2      64.7      66.9      66.9      71.0          67.7      70.8      72.7      72.9

  15  Other assets (5)                                      58.9      59.6      63.0      64.5      65.6      68.6      69.8      74.5          73.9      74.3      74.7      85.9

  16  TOTAL ASSETS (6)                                   1,533.2   1,580.8   1,596.2   1,605.9   1,625.5   1,645.3   1,663.4   1,698.5       1,707.6   1,710.8   1,715.8   1,728.6

            L I A B I L I T I E S

  17  Deposits                                           1,226.4   1,261.9   1,270.9   1,271.1   1,285.3   1,300.6   1,309.4   1,338.2       1,346.1   1,348.1   1,352.5   1,357.9
  18    Transaction                                        291.3     284.2     286.6     282.5     281.8     286.6     284.7     292.1         288.3     296.2     306.4     307.1
  19    Nontransaction                                     935.2     977.8     984.3     988.6   1,003.5   1,014.1   1,024.8   1,046.1       1,057.8   1,051.9   1,046.1   1,050.8
  20       Large time                                      160.1     170.1     170.1     167.5     168.2     172.2     173.4     176.9         176.2     175.4     175.7     175.6
  21       Other                                           775.1     807.7     814.2     821.1     835.3     841.8     851.4     869.2         881.6     876.5     870.4     875.1

  22  Borrowings                                           147.3     157.6     159.9     164.7     165.1     168.5     172.5     177.3         180.2     181.8     185.9     186.8
  23    From banks in the U.S.                              67.2      69.4      70.4      73.4      73.8      74.4      76.4      78.4          81.1      81.6      82.9      83.5
  24    From others                                         80.0      88.2      89.5      91.3      91.4      94.2      96.1      98.9          99.1     100.2     103.0     103.3

  25  Net due to related foreign offices                     5.0       3.8       3.9       3.7       3.7       3.7       4.7       3.6           3.6       3.2       3.7       3.7

  26  Other liabilities                                     27.4      29.3      29.1      29.1      29.7      30.0      30.9      31.6          31.4      31.6      31.3      32.4

  27  TOTAL LIABILITIES                                  1,406.1   1,452.7   1,463.7   1,468.6   1,483.9   1,502.9   1,517.5   1,550.7       1,561.2   1,564.6   1,573.4   1,580.8

  28  Residual (assets less liabilities) (7)               127.1     128.1     132.6     137.4     141.7     142.5     146.0     147.8         146.4     146.2     142.4     147.8

               MEMO
  31  Mortgage-backed securities (9)                        44.5      50.1      51.3      51.8      52.6      53.9      56.8      59.3          60.3      61.5      62.0      62.0



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

  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 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          547.7     564.1     568.2     573.0     590.4     606.7     628.2     624.0         619.4     616.4     595.5     587.8

  2     Securities in bank credit                          191.3     197.1     200.2     200.7     211.3     214.1     220.2     223.0         220.8     217.2     214.3     213.5
  3        U.S. government securities                       79.5      89.1      88.5      90.6      93.2      81.3      78.7      79.5          79.3      80.4      80.9      82.0
  4        Other securities                                111.8     108.0     111.6     110.0     118.1     132.8     141.4     143.5         141.5     136.8     133.4     131.6

  5     Loans and leases in bank credit (2)                356.4     366.9     368.0     372.4     379.1     392.6     408.0     401.0         398.6     399.2     381.1     374.3
  6        Commercial and industrial                       220.5     210.7     211.9     214.9     215.9     220.0     227.0     226.8         228.9     225.0     216.7     211.3
  7        Real estate                                      26.6      24.4      24.2      23.8      23.7      23.3      22.9      21.7          20.8      20.4      19.9      19.8
  11       Security (3)                                     42.3      61.2      62.5      62.6      65.5      69.1      71.6      66.8          66.2      69.0      69.0      67.2
  12       Other loans and leases                           67.0      70.7      69.4      71.0      74.0      80.2      86.4      85.6          82.7      84.9      75.5      75.9

  13  Interbank loans                                       23.6      21.8      24.0      22.1      22.6      31.4      29.9      31.2          23.1      28.3      38.1      37.5

  14  Cash assets (4)                                       34.9      34.8      34.8      35.0      33.9      34.2      35.6      33.7          34.7      35.6      32.4      33.3

  15  Other assets (5)                                      46.1      34.1      33.8      34.1      35.8      38.0      39.4      36.7          38.6      41.8      39.7      38.3

  16  TOTAL ASSETS (6)                                     652.1     654.5     660.5     664.1     682.4     710.0     732.9     725.3         715.6     721.8     705.4     696.7

            L I A B I L I T I E S

  17  Deposits                                             272.8     295.3     303.2     298.1     307.0     315.7     320.5     317.1         314.9     311.7     305.9     307.8
  18    Transaction                                         10.3      11.5      11.1      13.6      12.0      15.0      14.8      12.0          10.2      10.7      11.0      10.1
  19    Nontransaction                                     262.6     283.7     292.0     284.5     295.0     300.7     305.8     305.1         304.8     301.0     295.0     297.8

  22  Borrowings                                           156.3     163.4     167.2     169.8     169.8     184.1     193.8     193.8         184.7     194.7     188.5     183.5
  23    From banks in the U.S.                              29.0      22.4      29.6      26.6      23.8      32.3      35.5      36.9          30.4      37.1      31.0      25.8
  24    From others                                        127.3     141.0     137.6     143.2     146.0     151.8     158.2     156.9         154.3     157.7     157.5     157.6

  25  Net due to related foreign offices                   117.1     101.1      97.2     107.0     108.5      95.2     106.0      99.2         102.0      99.4      97.4      90.7

  26  Other liabilities                                     96.1      87.4      89.9      93.4      99.1     103.8     107.0     102.1         103.0     105.3      97.7      97.5

  27  TOTAL LIABILITIES                                    642.3     647.2     657.5     668.3     684.5     698.8     727.3     712.3         704.7     711.1     689.6     679.5

  28  Residual (assets less liabilities) (7)                 9.8       7.3       3.0      -4.2      -2.0      11.1       5.5      13.0          10.9      10.7      15.8      17.1



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

  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 8, 1999


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 9    Dec 16    Dec 23    Dec 30 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          542.5     565.7     571.2     575.8     592.8     601.6     627.6     616.4         612.5     614.5     595.0     593.4

  2     Securities in bank credit                          187.7     201.1     203.3     203.4     215.6     210.8     220.5     217.7         217.5     214.6     208.7     209.3
  3        U.S. government securities                       80.6      89.7      88.6      90.3      94.0      81.2      79.3      80.4          80.3      80.3      79.6      80.8
  3a         Trading account                                16.0      20.8      20.0      25.1      30.7      20.2      16.0      13.8          13.8      14.9      15.0      16.2
  3b         Investment account                             64.6      68.9      68.6      65.2      63.3      61.1      63.3      66.6          66.5      65.4      64.6      64.6
  4        Other securities                                107.1     111.4     114.8     113.1     121.6     129.6     141.3     137.3         137.2     134.2     129.1     128.5
  4a         Trading account                                62.6      66.7      70.1      70.1      75.3      83.4      89.6      82.3          81.9      78.7      74.5      74.8
  4b         Investment account                             44.4      44.7      44.6      43.0      46.3      46.2      51.7      55.0          55.3      55.5      54.6      53.8

  5     Loans and leases in bank credit (2)                354.8     364.6     367.9     372.4     377.3     390.7     407.0     398.7         395.0     399.9     386.3     384.1
  6        Commercial and industrial                       220.2     210.1     211.8     214.7     214.8     218.9     226.9     226.5         226.6     224.5     218.8     215.7
  7        Real estate                                      26.9      24.3      24.0      23.6      23.5      23.3      23.2      21.9          21.0      20.4      19.9      19.9
  11       Security (3)                                     42.2      60.6      62.4      61.9      64.6      68.8      71.8      66.6          66.0      70.4      70.6      69.6
  12       Other loans and leases                           65.5      69.6      69.7      72.2      74.3      79.7      85.2      83.7          81.4      84.7      76.9      78.9

  13  Interbank loans                                       23.6      21.8      24.0      22.1      22.6      31.4      29.9      31.2          23.1      28.3      38.1      37.5

  14  Cash assets (4)                                       35.7      34.4      35.7      34.9      34.0      34.3      35.9      34.6          35.8      37.4      34.4      35.2

  15  Other assets (5)                                      46.8      34.5      33.0      33.7      36.6      38.0      38.4      37.2          40.3      42.8      39.7      38.2

  16  TOTAL ASSETS (6)                                     648.3     656.1     663.7     666.4     685.8     704.9     731.5     719.1         711.5     722.7     707.0     704.0

            L I A B I L I T I E S

  17  Deposits                                             272.3     298.0     304.9     296.3     305.7     317.3     320.0     316.1         316.3     314.0     311.6     312.9
  18    Transaction                                         10.2      11.2      11.2      13.7      12.0      15.7      14.8      11.9          10.2      11.3      11.6      10.9
  19    Nontransaction                                     262.1     286.8     293.8     282.6     293.7     301.6     305.2     304.2         306.2     302.7     300.1     301.9
  
  22  Borrowings                                           156.3     163.4     167.2     169.8     169.8     184.1     193.8     193.8         184.7     194.7     188.5     183.5
  23    From banks in the U.S.                              29.0      22.4      29.6      26.6      23.8      32.3      35.5      36.9          30.4      37.1      31.0      25.8
  24    From others                                        127.3     141.0     137.6     143.2     146.0     151.8     158.2     156.9         154.3     157.7     157.5     157.6

  25  Net due to related foreign offices                   117.7     102.1      96.5     103.5     105.2      93.6     105.0      99.9         100.3     102.4     103.3     103.3

  26  Other liabilities                                     97.7      86.9      89.1      92.7      99.1     103.5     106.7     103.5         104.3     106.2      98.3      98.5

  27  TOTAL LIABILITIES                                    644.1     650.4     657.7     662.2     679.8     698.5     725.5     713.3         705.6     717.4     701.8     698.2

  28  Residual (assets less liabilities) (7)                 4.2       5.7       5.9       4.1       6.0       6.4       6.0       5.8           5.8       5.3       5.1       5.8

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              43.0      40.3      42.2      41.7      43.8      48.3      51.4      47.3          50.4      50.2      44.3      44.9
  30  Reval. losses on off-bal. sheet items (8)             42.1      38.7      40.6      40.2      42.3      45.5      47.7      44.3          47.3      47.0      41.5      42.3



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

  Footnotes appear on page 13.




  H.8 (510)       Footnotes                                                                                                                                                Page 13
                                                                                                                                                                   January 8, 1999

  Current and historical H.8 data are available on the Federal Reserve Board's web site (http://www.federalreserve.gov).  For information about individual copies or subscriptions,
  contact Publications Services at the Federal Reserve Board (phone 202-452-3244, fax 202-728-5886).  For paid electronic access to current and historical data, call STAT-USA at
  1-800-782-8872 or 202-482-1986.
  

  1.  Covers the following types of institutions in the fifty states and the District of Columbia: domestically chartered commercial banks that submit a weekly report of
      condition (large domestic); other domestically chartered commercial banks (small domestic); branches and agencies of foreign banks, and Edge Act and Agreement corporations
      (foreign-related institutions). Excludes International Banking Facilities. Data are Wednesday values or pro rata averages of Wednesday values. Large domestic banks
      constitute a universe; data for small domestic banks and foreign-related institutions are estimates based on weekly samples and on quarter-end condition reports. Data are
      adjusted for breaks caused by reclassifications of assets and liabilities.
      The data for large and small domestic banks presented on pages 5 to 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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