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: April 23, 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                                                                                                                            April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,215.8   4,387.5   4,486.5   4,526.7   4,545.8   4,529.5   4,515.5   4,482.9       4,479.0   4,484.0   4,485.3   4,497.0

  2     Securities in bank credit                        1,125.1   1,172.4   1,214.8   1,218.8   1,222.8   1,214.5   1,204.2   1,185.2       1,185.2   1,187.6   1,184.6   1,188.0
  3        U.S. government securities                      777.1     771.0     776.4     789.6     791.4     792.4     789.6     797.2         801.7     806.9     801.5     801.2
  4        Other securities                                348.0     401.5     438.4     429.2     431.4     422.2     414.7     388.0         383.5     380.8     383.1     386.8

  5     Loans and leases in bank credit (2)              3,090.7   3,215.0   3,271.7   3,307.9   3,323.0   3,315.0   3,311.3   3,297.7       3,293.9   3,296.3   3,300.7   3,309.0
  6        Commercial and industrial                       871.1     915.3     938.2     948.8     946.7     943.7     943.9     947.5         953.1     944.6     947.1     951.9
  7        Real estate                                   1,265.3   1,284.2   1,292.1   1,315.2   1,329.8   1,333.4   1,335.6   1,335.9       1,331.6   1,334.1   1,338.4   1,335.0
  8          Revolving home equity                          98.0      97.7      96.7      96.9      96.7      96.6      96.2      96.3          96.3      96.5      96.5      96.7
  9          Other                                       1,167.3   1,186.5   1,195.4   1,218.2   1,233.1   1,236.8   1,239.4   1,239.7       1,235.3   1,237.6   1,241.9   1,238.3
  10       Consumer                                        500.2     496.0     498.0     501.1     503.0     504.7     504.2     503.1         502.9     503.5     502.3     504.6
  11       Security (3)                                    115.9     142.9     157.6     150.9     151.3     146.8     139.1     119.2         112.7     120.4     121.2     126.2
  12       Other loans and leases                          338.1     376.7     385.8     391.8     392.2     386.3     388.5     392.0         393.6     393.7     391.7     391.4

  13  Interbank loans                                      215.0     217.0     218.8     217.6     217.3     222.4     225.7     219.1         232.9     207.8     216.4     208.1

  14  Cash assets (4)                                      272.1     253.4     247.7     255.0     257.6     264.5     262.3     262.6         265.1     269.9     258.5     259.5

  15  Other assets (5)                                     299.5     326.2     326.9     334.9     336.1     348.7     354.2     353.7         350.9     347.6     345.0     349.6

  16  TOTAL ASSETS (6)                                   4,945.5   5,126.6   5,221.9   5,276.2   5,298.9   5,307.1   5,299.6   5,259.9       5,269.6   5,250.4   5,246.9   5,256.0

            L I A B I L I T I E S

  17  Deposits                                           3,197.4   3,264.2   3,289.7   3,324.9   3,341.0   3,363.9   3,372.4   3,360.6       3,342.3   3,364.7   3,357.4   3,379.9
  18    Transaction                                        689.8     675.2     673.4     670.7     672.3     667.2     662.0     668.7         674.9     694.3     648.1     657.2
  19    Nontransaction                                   2,507.6   2,589.1   2,616.3   2,654.2   2,668.7   2,696.7   2,710.5   2,691.9       2,667.4   2,670.4   2,709.4   2,722.7
  20       Large time                                      687.0     702.0     716.4     727.8     719.4     724.9     728.2     718.1         710.7     710.5     718.7     716.9
  21       Other                                         1,820.6   1,887.1   1,899.9   1,926.4   1,949.4   1,971.7   1,982.3   1,973.8       1,956.6   1,959.9   1,990.7   2,005.8

  22  Borrowings                                           889.9     945.0     983.7   1,017.5   1,023.1   1,004.1     990.0     983.7         983.6     973.9     988.1     972.4
  23    From banks in the U.S.                             306.3     304.9     315.0     323.9     323.2     318.0     315.9     318.0         324.9     312.9     322.1     312.5
  24    From others                                        583.5     640.1     668.6     693.6     699.8     686.2     674.1     665.7         658.8     661.0     666.0     659.8

  25  Net due to related foreign offices                   205.4     206.4     220.9     214.4     213.9     213.5     217.4     217.1         225.8     218.3     226.3     224.0

  26  Other liabilities                                    258.5     296.5     310.9     297.8     301.0     300.7     294.8     271.3         270.2     272.5     272.8     267.0

  27  TOTAL LIABILITIES                                  4,551.2   4,712.2   4,805.2   4,854.7   4,878.9   4,882.1   4,874.7   4,832.7       4,821.9   4,829.3   4,844.6   4,843.2

  28  Residual (assets less liabilities) (7)               394.3     414.4     416.7     421.6     419.9     424.9     425.0     427.3         447.7     421.1     402.2     412.7



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

  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                                                                                                                        April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,213.7   4,379.6   4,491.6   4,540.2   4,561.4   4,538.7   4,513.2   4,481.2       4,469.4   4,486.9   4,489.9   4,505.2

  2     Securities in bank credit                        1,131.7   1,163.1   1,212.7   1,225.0   1,224.5   1,217.1   1,209.7   1,191.9       1,188.2   1,195.0   1,197.3   1,197.7
  3        U.S. government securities                      783.4     762.3     771.7     792.0     792.2     792.7     793.8     803.6         806.3     814.5     812.8     811.8
  4        Other securities                                348.3     400.8     441.0     433.0     432.3     424.5     416.0     388.3         381.9     380.5     384.6     385.8

  5     Loans and leases in bank credit (2)              3,082.0   3,216.5   3,278.9   3,315.2   3,336.9   3,321.6   3,303.5   3,289.3       3,281.2   3,291.8   3,292.6   3,307.6
  6        Commercial and industrial                       873.9     912.1     937.9     948.3     946.7     942.6     945.3     951.0         956.5     950.5     951.5     957.0
  7        Real estate                                   1,259.3   1,287.6   1,295.6   1,319.1   1,331.7   1,332.5   1,329.9   1,329.4       1,323.5   1,328.3   1,334.2   1,332.1
  8          Revolving home equity                          97.2      98.4      97.5      97.7      97.1      96.7      95.9      95.4          95.3      95.5      95.3      95.9
  9          Other                                       1,162.1   1,189.2   1,198.1   1,221.4   1,234.6   1,235.8   1,234.1   1,234.0       1,228.2   1,232.8   1,238.9   1,236.2
  10       Consumer                                        495.3     498.9     498.5     501.5     508.3     511.0     504.0     498.3         497.9     497.8     496.6     500.2
  11       Security (3)                                    119.3     139.0     159.2     153.4     153.5     146.9     138.8     122.5         115.9     122.2     119.9     129.4
  12       Other loans and leases                          334.2     378.8     387.8     392.9     396.7     388.7     385.3     388.1         387.4     393.2     390.3     388.8

  13  Interbank loans                                      218.0     213.1     216.7     227.0     225.5     225.3     225.4     222.2         228.5     214.1     229.2     219.7

  14  Cash assets (4)                                      263.8     250.9     248.1     261.8     273.1     277.8     263.4     255.0         246.8     268.6     251.6     261.4

  15  Other assets (5)                                     295.7     328.4     324.7     333.3     336.9     341.4     351.0     349.1         343.6     348.3     347.7     352.9

  16  TOTAL ASSETS (6)                                   4,934.3   5,114.3   5,223.3   5,304.3   5,339.0   5,325.6   5,294.9   5,249.2       5,230.0   5,259.3   5,260.4   5,281.3

            L I A B I L I T I E S

  17  Deposits                                           3,192.0   3,261.9   3,289.2   3,350.7   3,374.8   3,363.2   3,349.5   3,355.2       3,317.7   3,379.7   3,384.8   3,414.0
  18    Transaction                                        682.7     668.8     663.3     681.0     706.5     682.0     657.1     662.2         647.9     702.5     658.7     680.6
  19    Nontransaction                                   2,509.3   2,593.1   2,625.9   2,669.7   2,668.4   2,681.2   2,692.4   2,693.0       2,669.8   2,677.2   2,726.1   2,733.5
  20       Large time                                      688.7     703.7     718.0     732.7     723.9     723.1     728.9     720.1         713.0     711.4     715.1     712.8
  21       Other                                         1,820.6   1,889.4   1,907.9   1,937.0   1,944.4   1,958.1   1,963.5   1,972.9       1,956.8   1,965.8   2,011.0   2,020.7

  22  Borrowings                                           885.3     940.8     985.9   1,023.1   1,025.6   1,020.4     993.1     978.0         982.9     964.8     971.0     959.8
  23    From banks in the U.S.                             306.4     301.7     313.1     327.6     329.2     323.0     316.4     317.9         326.2     313.8     318.6     309.5
  24    From others                                        578.9     639.1     672.7     695.5     696.4     697.4     676.6     660.2         656.7     651.1     652.3     650.3

  25  Net due to related foreign offices                   203.8     203.1     223.4     216.3     219.1     216.4     227.1     215.1         230.5     215.1     204.1     204.1

  26  Other liabilities                                    259.2     295.5     309.4     298.2     301.8     301.6     297.2     272.0         270.3     272.1     272.2     266.5

  27  TOTAL LIABILITIES                                  4,540.2   4,701.3   4,807.9   4,888.2   4,921.3   4,901.6   4,866.8   4,820.3       4,801.4   4,831.8   4,832.0   4,844.5

  28  Residual (assets less liabilities) (7)               394.0     413.0     415.3     416.1     417.7     424.1     428.1     428.8         428.6     427.5     428.4     436.8

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              88.1     109.4     130.7     111.2     113.2     111.9     108.1      86.5          82.1      82.9      87.8      86.4
  30  Reval. losses on off-bal. sheet items (8)             89.7     109.3     128.0     110.1     111.4     108.1     106.6      85.2          82.4      80.7      88.6      86.3



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

  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                                                                                                                            April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,651.8   3,789.4   3,866.8   3,916.1   3,948.0   3,946.4   3,946.7   3,928.5       3,927.6   3,928.1   3,939.4   3,942.2

  2     Securities in bank credit                          927.6     960.6     996.2   1,003.6   1,009.9   1,003.6   1,000.1     986.9         987.1     990.0     988.4     987.6
  3        U.S. government securities                      688.6     687.7     695.6     708.2     709.8     709.0     707.1     713.4         717.5     719.9     714.5     713.5
  4        Other securities                                239.1     272.9     300.5     295.4     300.2     294.5     293.1     273.5         269.6     270.1     273.8     274.1

  5     Loans and leases in bank credit (2)              2,724.2   2,828.8   2,870.6   2,912.5   2,938.1   2,942.9   2,946.5   2,941.7       2,940.6   2,938.1   2,951.1   2,954.6
  6        Commercial and industrial                       651.7     698.5     714.7     724.8     728.5     730.0     731.5     736.7         740.4     737.1     738.9     740.8
  7        Real estate                                   1,239.5   1,260.6   1,268.6   1,292.5   1,308.1   1,311.6   1,314.0   1,314.2       1,309.7   1,312.1   1,316.6   1,313.1
  8          Revolving home equity                          98.0      97.7      96.7      96.9      96.7      96.6      96.2      96.3          96.3      96.5      96.5      96.7
  9          Other                                       1,141.4   1,162.9   1,171.9   1,195.6   1,211.4   1,215.0   1,217.7   1,218.0       1,213.5   1,215.6   1,220.1   1,216.3
  10       Consumer                                        500.2     496.0     498.0     501.1     503.0     504.7     504.2     503.1         502.9     503.5     502.3     504.6
  11       Security (3)                                     65.8      76.2      87.8      86.1      85.6      84.3      80.6      69.3          66.1      65.3      72.5      75.3
  12       Other loans and leases                          267.0     297.6     301.5     308.0     312.9     312.3     316.3     318.3         321.5     320.1     320.8     320.8

  13  Interbank loans                                      191.9     189.7     193.1     190.4     189.3     192.9     193.8     192.8         207.5     179.9     188.9     185.1

  14  Cash assets (4)                                      237.7     219.1     212.0     220.1     221.8     228.1     226.1     225.4         227.1     235.1     221.2     222.4

  15  Other assets (5)                                     263.5     288.8     288.4     298.0     297.7     310.2     316.6     315.9         313.8     310.3     305.7     312.9

  16  TOTAL ASSETS (6)                                   4,288.4   4,429.8   4,502.7   4,566.8   4,599.1   4,619.9   4,625.1   4,604.5       4,617.9   4,594.8   4,597.2   4,604.6

            L I A B I L I T I E S

  17  Deposits                                           2,907.7   2,948.9   2,971.9   3,009.4   3,032.4   3,045.6   3,051.5   3,049.3       3,037.4   3,060.7   3,050.2   3,071.8
  18    Transaction                                        678.1     659.8     658.0     657.9     660.7     654.3     648.0     655.6         662.5     681.5     635.0     644.4
  19    Nontransaction                                   2,229.6   2,289.1   2,313.9   2,351.6   2,371.7   2,391.3   2,403.4   2,393.7       2,374.8   2,379.2   2,415.2   2,427.4
  20       Large time                                      410.3     404.6     415.9     426.9     423.0     420.7     422.3     421.0         418.4     421.4     426.2     422.9
  21       Other                                         1,819.3   1,884.4   1,898.1   1,924.6   1,948.7   1,970.7   1,981.1   1,972.7       1,956.4   1,957.8   1,989.0   2,004.5

  22  Borrowings                                           718.0     739.7     768.4     802.9     819.3     810.5     809.3     809.5         814.2     797.0     812.8     797.2
  23    From banks in the U.S.                             279.3     276.5     284.5     291.8     296.0     296.5     298.0     293.6         300.4     286.9     299.8     288.3
  24    From others                                        438.7     463.3     484.0     511.2     523.3     514.0     511.4     515.9         513.8     510.1     513.0     508.9

  25  Net due to related foreign offices                    81.7     108.4     115.3     115.2     112.4     111.7     117.3     117.7         126.8     116.0     119.4     120.2

  26  Other liabilities                                    188.2     220.6     231.8     221.7     224.3     226.4     224.4     203.2         203.1     204.5     204.9     200.2

  27  TOTAL LIABILITIES                                  3,895.6   4,017.6   4,087.4   4,149.3   4,188.5   4,194.2   4,202.6   4,179.7       4,181.4   4,178.3   4,187.3   4,189.4

  28  Residual (assets less liabilities) (7)               392.8     412.2     415.3     417.5     410.7     425.6     422.6     424.7         436.5     416.5     409.9     415.2



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

  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                                                                                                                        April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,647.3   3,782.3   3,867.7   3,926.4   3,960.9   3,952.2   3,940.5   3,925.2       3,918.6   3,929.9   3,944.6   3,953.7

  2     Securities in bank credit                          932.8     951.8     991.0   1,006.6   1,013.1   1,005.9   1,003.9     992.4         991.0     997.4     999.8     999.0
  3        U.S. government securities                      693.9     679.8     690.9     710.1     710.4     709.7     710.9     718.9         721.4     727.0     725.8     724.7
  4        Other securities                                238.9     272.0     300.0     296.4     302.6     296.3     293.0     273.5         269.6     270.4     274.0     274.3

  5     Loans and leases in bank credit (2)              2,714.5   2,830.5   2,876.7   2,919.8   2,947.8   2,946.2   2,936.5   2,932.9       2,927.6   2,932.5   2,944.8   2,954.7
  6        Commercial and industrial                       654.1     695.8     713.5     723.0     725.7     727.0     731.1     739.9         743.7     742.2     744.4     747.6
  7        Real estate                                   1,233.4   1,264.0   1,271.8   1,296.3   1,310.0   1,310.4   1,307.9   1,307.7       1,301.7   1,306.6   1,312.7   1,310.4
  8          Revolving home equity                          97.2      98.4      97.5      97.7      97.1      96.7      95.9      95.4          95.3      95.5      95.3      95.9
  9          Other                                       1,136.2   1,165.6   1,174.3   1,198.6   1,212.9   1,213.8   1,212.1   1,212.2       1,206.4   1,211.1   1,217.4   1,214.6
  10       Consumer                                        495.3     498.9     498.5     501.5     508.3     511.0     504.0     498.3         497.9     497.8     496.6     500.2
  11       Security (3)                                     68.1      72.1      89.6      89.1      87.3      84.4      80.6      72.1          68.5      66.2      71.4      78.6
  12       Other loans and leases                          263.6     299.7     303.3     309.9     316.5     313.4     312.9     314.9         315.8     319.7     319.6     317.8

  13  Interbank loans                                      194.9     185.8     191.0     199.8     197.5     195.8     193.5     195.8         203.1     186.2     201.7     196.7

  14  Cash assets (4)                                      230.4     216.9     212.0     226.3     235.8     241.0     227.9     219.0         209.9     234.2     215.9     225.5

  15  Other assets (5)                                     259.2     290.6     286.5     296.2     297.1     302.6     312.2     310.7         306.7     311.7     310.0     317.9

  16  TOTAL ASSETS (6)                                   4,275.3   4,418.1   4,499.5   4,590.9   4,633.5   4,634.2   4,616.2   4,592.6       4,580.2   4,603.7   4,614.4   4,636.0

            L I A B I L I T I E S

  17  Deposits                                           2,899.6   2,946.8   2,971.0   3,035.6   3,062.6   3,047.5   3,029.8   3,040.7       3,007.2   3,071.7   3,079.1   3,107.4
  18    Transaction                                        670.8     652.8     647.9     668.2     694.5     669.0     643.4     649.0         635.3     689.3     645.7     668.0
  19    Nontransaction                                   2,228.8   2,294.0   2,323.1   2,367.4   2,368.1   2,378.5   2,386.4   2,391.8       2,372.0   2,382.4   2,433.4   2,439.5
  20       Large time                                      410.1     404.1     417.6     432.4     425.5     422.3     424.8     420.8         417.1     418.5     424.3     420.8
  21       Other                                         1,818.6   1,889.9   1,905.4   1,935.0   1,942.6   1,956.2   1,961.6   1,971.0       1,954.9   1,963.9   2,009.1   2,018.7

  22  Borrowings                                           713.4     735.5     770.6     808.5     821.9     826.8     812.4     803.9         813.5     787.9     795.6     784.6
  23    From banks in the U.S.                             279.3     273.3     282.6     295.4     302.0     301.6     298.5     293.5         301.7     287.8     296.3     285.2
  24    From others                                        434.1     462.3     488.1     513.0     519.9     525.2     513.9     510.4         511.7     500.2     499.3     499.4

  25  Net due to related foreign offices                    82.1     106.8     115.5     113.7     111.4     112.0     123.4     117.6         129.3     113.7     108.1     108.1

  26  Other liabilities                                    188.7     220.0     231.0     221.1     223.7     227.0     225.2     203.8         203.5     204.9     205.7     201.1

  27  TOTAL LIABILITIES                                  3,883.8   4,009.1   4,088.2   4,178.9   4,219.6   4,213.3   4,190.7   4,165.9       4,153.5   4,178.3   4,188.5   4,201.3

  28  Residual (assets less liabilities) (7)               391.4     409.0     411.4     412.0     413.9     420.9     425.5     426.7         426.8     425.4     425.9     434.8

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              47.2      61.7      78.7      62.7      65.2      66.0      64.5      46.3          43.0      43.6      48.3      47.9
  30  Reval. losses on off-bal. sheet items (8)             49.6      65.1      80.5      65.1      66.8      65.8      65.3      46.0          44.3      42.3      49.0      48.1
  31  Mortgage-backed securities (9)                       299.8     313.2     335.8     346.0     345.4     341.3     339.3     333.3         332.3     334.9     333.3     332.4



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

  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                                                                                                      April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,259.1   2,337.5   2,395.4   2,416.5   2,428.0   2,420.7   2,414.4   2,387.2       2,385.8   2,383.5   2,395.4   2,395.4

  2     Securities in bank credit                          530.1     545.6     573.6     572.0     571.1     562.6     556.5     540.0         539.9     541.6     540.8     539.4
  3        U.S. government securities                      377.8     369.8     373.2     379.1     376.7     375.1     372.4     376.1         380.1     381.1     376.4     374.9
  3a         Trading account                                25.1      22.2      21.0      22.3      23.0      25.1      17.5      22.2          26.0      25.5      28.6      28.6
  3b         Investment account                            352.7     347.6     352.2     356.9     353.7     350.1     354.9     353.8         354.1     355.6     347.8     346.3
  4        Other securities                                152.3     175.8     200.5     192.9     194.4     187.5     184.1     163.9         159.8     160.5     164.4     164.5
  4a         Trading account                                73.1      86.4     108.8      96.8      97.4      90.9      87.5      66.4          62.7      61.6      66.3      65.8
  4b         Investment account                             79.1      89.4      91.7      96.1      97.0      96.6      96.7      97.5          97.1      98.9      98.1      98.7
  4c           State and local government                   22.6      23.4      23.9      24.5      24.8      24.6      24.7      24.9          24.9      24.9      24.5      24.5
  4d           Other                                        56.5      66.0      67.8      71.7      72.2      71.9      72.0      72.7          72.2      74.1      73.6      74.2

  5     Loans and leases in bank credit (2)              1,729.0   1,791.9   1,821.7   1,844.5   1,856.8   1,858.0   1,857.8   1,847.2       1,845.8   1,841.9   1,854.6   1,856.1
  6        Commercial and industrial                       472.6     507.9     521.4     528.5     529.3     529.3     530.5     534.7         538.6     534.6     536.3     538.1
  6a         Bankers acceptances                             1.2       1.3       1.3       1.3       1.3       1.3       1.2       1.1           1.1       1.2       1.2       1.1
  6b         Other                                         471.3     506.6     520.1     527.2     528.0     528.1     529.3     533.6         537.5     533.4     535.2     536.9
  7        Real estate                                     698.1     689.3     689.2     700.4     705.9     704.3     703.5     700.1         695.4     696.2     701.1     697.9
  8          Revolving home equity                          69.7      68.9      68.0      67.8      67.6      67.6      67.5      67.4          67.4      67.5      67.6      67.8
  9          Other                                         628.4     620.4     621.2     632.6     638.3     636.8     636.1     632.7         628.0     628.7     633.5     630.1
  10       Consumer                                        300.2     298.8     300.7     302.0     302.4     305.3     304.3     301.9         301.0     301.3     300.5     300.6
  11       Security (3)                                     59.8      69.9      81.3      79.3      79.2      78.1      74.5      63.2          60.1      59.4      66.2      69.1
  11a        Fed funds and RPs with broker/dealer           42.0      51.5      63.3      61.8      62.5      61.4      57.6      46.1          43.3      42.4      49.2      51.2
  11b        Other                                          17.8      18.5      17.9      17.5      16.7      16.7      16.9      17.1          16.8      17.0      17.0      17.9
  12a      State and local government                       11.6      11.6      11.6      11.9      11.6      11.6      11.5      11.5          11.5      11.6      12.0      11.8
  12b      Agricultural                                     10.0      10.0      10.0      10.1      10.2      10.2      10.2      10.2          10.1      10.2      10.1      10.2
  12c      Fed funds and RPs with others                     7.4      12.4      12.9      12.4      16.2      12.6      12.0      12.0          12.9      13.1      12.3      11.5
  12d      All other loans                                  81.3      92.0      92.9      96.1      95.7      97.7      97.8      97.8          99.7      98.3      98.8      99.2
  12e      Lease financing receivables                      88.0      99.9     101.7     103.8     106.4     108.8     113.4     115.9         116.4     117.2     117.3     117.6

  13  Interbank loans                                      131.6     118.7     120.3     120.6     123.1     125.2     126.7     128.9         142.7     119.0     127.3     122.6
  13a   Fed funds and RPs with banks                        82.1      65.4      74.3      74.6      73.9      78.5      78.6      81.6          93.6      72.5      81.5      76.1
  13b   Other                                               49.5      53.3      46.0      46.0      49.2      46.7      48.0      47.2          49.0      46.5      45.8      46.6

  14  Cash assets (4)                                      174.5     151.0     144.1     149.8     151.2     157.1     155.0     153.5         154.1     159.5     150.8     153.1

  15  Other assets (5)                                     205.9     223.9     220.8     225.8     223.3     232.4     239.0     238.9         236.6     233.9     228.0     227.7

  16  TOTAL ASSETS (6)                                   2,733.4   2,793.5   2,842.5   2,874.7   2,887.6   2,897.3   2,896.8   2,870.1       2,880.8   2,857.1   2,863.4   2,860.8



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

  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)                                                                                          April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,652.6   1,640.5   1,651.0   1,667.0   1,671.6   1,672.6   1,668.1   1,666.5       1,656.3   1,674.6   1,669.3   1,687.9
  18    Transaction                                        394.7     373.7     371.9     369.4     369.4     364.3     357.9     362.0         364.1     375.7     353.9     364.1
  19    Nontransaction                                   1,257.9   1,266.8   1,279.1   1,297.7   1,302.1   1,308.3   1,310.2   1,304.5       1,292.2   1,298.9   1,315.4   1,323.8
  20       Large time                                      229.5     213.8     223.1     229.9     228.2     227.5     226.8     224.2         221.0     223.1     228.1     225.0
  21       Other                                         1,028.4   1,053.0   1,056.0   1,067.8   1,074.0   1,080.7   1,083.4   1,080.3       1,071.3   1,075.8   1,087.3   1,098.8

  22  Borrowings                                           567.0     574.0     596.2     622.4     633.6     627.8     622.9     619.0         621.4     610.9     625.3     608.5
  23    From banks in the U.S.                             209.1     199.2     203.5     207.1     209.0     213.3     213.5     208.2         213.4     204.8     217.5     205.5
  24    From others                                        357.9     374.8     392.7     415.3     424.6     414.5     409.4     410.8         408.1     406.1     407.7     403.0

  25  Net due to related foreign offices                    77.6     104.6     110.6     111.6     108.8     108.7     114.1     113.2         121.6     110.2     114.3     115.1

  26  Other liabilities                                    160.7     191.1     201.5     190.7     193.0     195.4     193.9     172.6         172.5     173.5     174.0     168.6

  27  TOTAL LIABILITIES                                  2,457.9   2,510.2   2,559.3   2,591.8   2,606.9   2,604.5   2,598.9   2,571.4       2,571.9   2,569.2   2,582.8   2,580.1

  28  Residual (assets less liabilities) (7)               275.4     283.3     283.2     282.9     280.7     292.8     297.8     298.8         308.8     288.0     280.6     280.7



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

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 7
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                  April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,260.4   2,327.0   2,397.1   2,429.6   2,442.5   2,432.9   2,418.9   2,389.6       2,380.6   2,386.7   2,401.2   2,403.4

  2     Securities in bank credit                          533.9     538.7     571.3     577.3     574.6     565.7     562.6     544.0         541.0     545.4     548.8     546.1
  3        U.S. government securities                      381.7     363.4     371.2     383.4     377.4     376.4     377.8     380.1         381.4     385.2     384.7     382.2
  3a         Trading account                                26.6      22.0      21.9      24.6      23.7      25.2      18.2      23.2          25.8      25.1      30.0      28.9
  3b         Investment account                            355.2     341.4     349.3     358.9     353.7     351.2     359.6     356.9         355.5     360.1     354.7     353.3
  3c           Mortgage-backed                             232.9     236.4     255.3     258.2     253.5     250.1     247.9     241.4         240.1     242.6     240.7     239.1
  3d           Other                                       122.3     105.0      94.0     100.7     100.2     101.1     111.7     115.5         115.4     117.5     114.0     114.1
  3e             1 year or less                             31.8      27.7      26.1      27.2      26.6      27.5      25.6      23.8          24.2      23.8      24.2      23.7
  3f             Between 1 and 5 years                      54.7      44.3      37.2      38.2      38.4      37.6      46.8      52.1          51.3      54.0      52.6      53.1
  3g             More than 5 years                          35.8      33.0      30.6      35.2      35.2      36.0      39.3      39.6          39.9      39.8      37.3      37.4
  4        Other securities                                152.2     175.3     200.1     193.9     197.2     189.3     184.7     163.9         159.6     160.2     164.1     164.0
  4a         Trading account                                73.1      86.4     108.8      96.8      97.4      90.9      87.5      66.4          62.7      61.6      66.3      65.8
  4b         Investment account                             79.0      88.9      91.3      97.1      99.8      98.4      97.3      97.5          96.9      98.7      97.8      98.2
  4c           State and local government                   22.7      23.2      24.0      24.6      25.0      24.8      24.8      24.9          24.9      24.9      24.5      24.6
  4d           Other                                        56.3      65.6      67.4      72.5      74.8      73.6      72.5      72.6          72.0      73.8      73.3      73.6

  5     Loans and leases in bank credit (2)              1,726.5   1,788.3   1,825.9   1,852.3   1,867.9   1,867.2   1,856.3   1,845.7       1,839.7   1,841.3   1,852.4   1,857.3
  6        Commercial and industrial                       474.4     506.3     521.5     528.1     527.4     527.1     530.4     537.3         540.8     538.8     540.8     543.0
  6a         Bankers acceptances                             1.2       1.3       1.3       1.3       1.3       1.3       1.2       1.1           1.1       1.2       1.2       1.1
  6b         Other                                         473.2     505.0     520.2     526.8     526.1     525.8     529.3     536.2         539.7     537.7     539.6     541.9
  7        Real estate                                     695.4     689.6     691.0     703.7     709.5     707.1     702.2     697.1         690.9     692.8     698.8     695.7
  8          Revolving home equity                          69.0      69.3      68.6      68.3      67.8      67.6      67.2      66.8          66.6      66.8      66.6      67.1
  9a         Other residential                             386.4     381.0     382.9     394.1     398.6     394.1     386.7     381.1         374.3     376.0     382.1     378.2
  9b         Commercial                                    240.0     239.2     239.5     241.3     243.0     245.4     248.4     249.3         250.0     250.0     250.1     250.4
  10       Consumer                                        297.5     300.8     300.6     301.6     305.7     310.7     304.7     299.2         298.3     297.8     297.1     298.0
  11       Security (3)                                     62.0      65.9      83.1      82.3      80.9      78.2      74.5      66.0          62.5      60.4      65.1      72.5
  11a        Fed funds and RPs with broker/dealer           44.1      47.6      65.2      65.0      63.7      62.0      58.1      48.7          45.3      42.8      49.3      54.5
  11b        Other                                          17.9      18.3      17.9      17.3      17.1      16.2      16.4      17.3          17.2      17.5      15.8      18.0
  12a      State and local government                       11.6      11.7      11.7      12.0      11.7      11.6      11.5      11.5          11.5      11.5      11.8      11.6
  12b      Agricultural                                      9.6      10.3      10.1      10.1      10.1      10.1       9.9       9.8           9.8       9.9       9.8      10.0
  12c      Fed funds and RPs with others                     7.4      12.4      12.9      12.4      16.2      12.6      12.0      12.0          12.9      13.1      12.3      11.5
  12d      All other loans                                  79.8      92.5      93.8      99.2     100.4      99.3      96.3      96.0          95.8      99.1      98.6      96.8
  12e      Lease financing receivables                      88.7      98.9     101.0     102.8     106.0     110.5     114.7     116.8         117.2     118.0     118.0     118.2

  13  Interbank loans                                      131.5     116.8     116.7     122.0     126.3     128.1     126.5     129.0         138.6     122.7     130.7     128.4
  13a   Fed funds and RPs with banks                        81.9      63.9      71.3      77.3      77.7      82.1      79.2      81.4          89.3      75.7      83.4      80.4
  13b   Other                                               49.6      52.9      45.4      44.7      48.5      46.0      47.3      47.6          49.3      47.0      47.3      48.0

  14  Cash assets (4)                                      168.7     150.0     144.8     153.9     161.7     166.8     155.8     148.6         142.3     159.2     145.3     155.0

  15  Other assets (5)                                     202.7     225.2     218.7     222.7     222.8     227.9     235.9     235.1         231.3     233.7     231.6     232.5

  16  TOTAL ASSETS (6)                                   2,725.6   2,781.1   2,839.3   2,890.1   2,915.4   2,917.9   2,898.9   2,863.9       2,854.6   2,864.0   2,870.9   2,881.5



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

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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)                                                                                      April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,650.2   1,636.0   1,647.4   1,681.0   1,695.7   1,681.8   1,663.8   1,664.9       1,638.2   1,683.9   1,685.8   1,711.0
  18    Transaction                                        389.0     369.7     364.9     376.1     392.4     374.6     354.9     356.7         346.0     381.4     356.5     378.5
  19    Nontransaction                                   1,261.2   1,266.3   1,282.6   1,304.9   1,303.3   1,307.2   1,308.9   1,308.2       1,292.2   1,302.5   1,329.2   1,332.5
  20       Large time                                      229.3     213.3     224.8     235.4     230.7     229.2     229.3     224.0         219.6     220.2     226.3     222.8
  21       Other                                         1,031.9   1,053.0   1,057.7   1,069.6   1,072.6   1,078.1   1,079.6   1,084.2       1,072.5   1,082.3   1,102.9   1,109.7

  22  Borrowings                                           566.9     567.7     596.0     625.8     634.2     643.6     628.5     618.9         624.8     605.8     615.1     602.8
  23    From banks in the U.S.                             211.0     195.6     199.9     209.0     213.0     217.7     215.2     210.5         216.3     207.3     217.5     206.2
  24    From others                                        355.8     372.1     396.2     416.8     421.2     425.9     413.3     408.4         408.5     398.5     397.6     396.6

  25  Net due to related foreign offices                    78.0     103.0     110.9     110.1     107.8     109.0     120.2     113.0         124.1     107.8     103.0     103.0

  26  Other liabilities                                    160.7     191.1     201.5     190.7     193.0     195.4     193.9     172.6         172.5     173.5     174.0     168.6

  27  TOTAL LIABILITIES                                  2,455.8   2,497.8   2,555.8   2,607.7   2,630.8   2,629.8   2,606.4   2,569.5       2,559.7   2,571.1   2,577.9   2,585.4

  28  Residual (assets less liabilities) (7)               269.8     283.3     283.5     282.4     284.7     288.1     292.5     294.4         294.9     292.9     293.0     296.1

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              47.2      61.7      78.7      62.7      65.2      66.0      64.5      46.3          43.0      43.6      48.3      47.9
  30  Reval. losses on off-bal. sheet items (8)             49.6      65.1      80.5      65.1      66.8      65.8      65.3      46.0          44.3      42.3      49.0      48.1
  31  Mortgage-backed securities (9)                       253.9     260.5     280.7     287.0     284.0     279.6     276.7     269.8         268.6     270.8     269.3     268.0
  31a   Pass-through                                       171.0     167.3     189.5     196.6     194.7     191.9     187.3     180.3         179.7     180.9     179.2     177.6
  31b   CMO, REMIC, and other                               82.9      93.2      91.2      90.4      89.3      87.7      89.4      89.5          88.9      90.0      90.1      90.4
  32  Net unrealized gains (losses) on                       2.9       3.7       4.4       3.1       3.0       3.0       2.4       1.5           1.5       1.6       1.5       0.9
        available-for-sale securities (10)
  33  Offshore credit to U.S. residents (11)                35.2      36.8      38.5      39.1      38.5      38.9      38.9      39.0          39.5      37.6      37.7      37.7



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

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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                                                                                                      April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,392.7   1,451.8   1,471.4   1,499.6   1,520.0   1,525.8   1,532.3   1,541.3       1,541.9   1,544.6   1,544.0   1,546.8

  2     Securities in bank credit                          397.5     414.9     422.5     431.6     438.8     441.0     443.6     446.9         447.1     448.4     447.5     448.3
  3        U.S. government securities                      310.7     317.9     322.5     329.0     333.0     333.9     334.7     337.3         337.4     338.8     338.1     338.7
  4        Other securities                                 86.8      97.0     100.1     102.6     105.8     107.1     108.9     109.5         109.8     109.6     109.4     109.6

  5     Loans and leases in bank credit (2)                995.3   1,036.9   1,048.9   1,068.0   1,081.2   1,084.8   1,088.7   1,094.5       1,094.7   1,096.2   1,096.5   1,098.5
  6        Commercial and industrial                       179.1     190.6     193.3     196.3     199.2     200.7     201.1     202.0         201.8     202.5     202.5     202.8
  7        Real estate                                     541.3     571.3     579.4     592.1     602.2     607.3     610.4     614.1         614.4     615.9     615.5     615.2
  8          Revolving home equity                          28.3      28.8      28.7      29.1      29.1      29.0      28.8      28.8          28.9      29.0      28.9      29.0
  9          Other                                         513.0     542.5     550.7     563.0     573.1     578.2     581.7     585.3         585.5     587.0     586.6     586.2
  10       Consumer                                        200.1     197.2     197.3     199.1     200.6     199.4     199.9     201.2         201.9     202.2     201.8     203.9
  11       Security (3)                                      6.0       6.2       6.5       6.8       6.4       6.2       6.1       6.1           6.0       5.8       6.3       6.2
  12       Other loans and leases                           68.7      71.6      72.4      73.7      72.8      71.4      71.3      71.0          70.8      69.7      70.3      70.5

  13  Interbank loans                                       60.4      71.0      72.8      69.8      66.2      67.7      67.1      63.9          64.9      60.9      61.6      62.4

  14  Cash assets (4)                                       63.2      68.1      67.9      70.3      70.7      71.0      71.1      71.9          73.0      75.5      70.3      69.4

  15  Other assets (5)                                      57.6      64.9      67.6      72.2      74.3      77.8      77.6      77.0          77.2      76.4      77.7      85.2

  16  TOTAL ASSETS (6)                                   1,555.0   1,636.3   1,660.2   1,692.1   1,711.5   1,722.6   1,728.4   1,734.3       1,737.1   1,737.6   1,733.8   1,743.8

            L I A B I L I T I E S

  17  Deposits                                           1,255.0   1,308.4   1,320.9   1,342.4   1,360.9   1,373.0   1,383.4   1,382.8       1,381.0   1,386.1   1,380.9   1,383.9
  18    Transaction                                        283.3     286.1     286.1     288.5     291.3     289.9     290.2     293.6         298.5     305.8     281.1     280.3
  19    Nontransaction                                     971.7   1,022.3   1,034.9   1,053.9   1,069.5   1,083.1   1,093.2   1,089.2       1,082.6   1,080.3   1,099.8   1,103.6
  20       Large time                                      180.8     190.8     192.8     197.0     194.8     193.2     195.5     196.8         197.4     198.3     198.0     197.9
  21       Other                                           790.9     831.5     842.1     856.9     874.7     889.9     897.7     892.4         885.1     882.0     901.8     905.7

  22  Borrowings                                           151.0     165.7     172.2     180.5     185.7     182.7     186.4     190.5         192.8     186.1     187.5     188.7
  23    From banks in the U.S.                              70.2      77.2      81.0      84.7      87.0      83.2      84.4      85.3          87.0      82.1      82.3      82.8
  24    From others                                         80.8      88.5      91.2      95.8      98.8      99.5     102.0     105.1         105.7     104.0     105.2     105.9

  25  Net due to related foreign offices                     4.1       3.7       4.7       3.6       3.6       3.0       3.2       4.5           5.1       5.9       5.1       5.1

  26  Other liabilities                                     27.5      29.5      30.3      30.9      31.3      31.0      30.6      30.6          30.5      31.0      31.0      31.6

  27  TOTAL LIABILITIES                                  1,437.6   1,507.4   1,528.1   1,557.5   1,581.5   1,589.8   1,603.6   1,608.4       1,609.5   1,609.1   1,604.5   1,609.3

  28  Residual (assets less liabilities) (7)               117.4     128.9     132.0     134.6     130.0     132.8     124.8     126.0         127.6     128.5     129.4     134.4



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

  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                                                                                                  April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,386.9   1,455.3   1,470.5   1,496.8   1,518.3   1,519.3   1,521.6   1,535.6       1,537.9   1,543.2   1,543.4   1,550.3

  2     Securities in bank credit                          398.9     413.1     419.7     429.3     438.4     440.2     441.4     448.4         450.0     452.0     451.0     452.9
  3        U.S. government securities                      312.1     316.4     319.7     326.7     333.0     333.3     333.1     338.9         340.1     341.9     341.1     342.5
  4        Other securities                                 86.8      96.7      99.9     102.6     105.5     106.9     108.3     109.6         110.0     110.1     109.9     110.3

  5     Loans and leases in bank credit (2)                988.0   1,042.2   1,050.8   1,067.5   1,079.9   1,079.0   1,080.2   1,087.2       1,087.9   1,091.2   1,092.4   1,097.4
  6        Commercial and industrial                       179.7     189.5     191.9     194.9     198.3     199.9     200.7     202.6         202.8     203.4     203.6     204.6
  7        Real estate                                     538.0     574.4     580.8     592.6     600.5     603.4     605.7     610.5         610.8     613.8     613.8     614.8
  8          Revolving home equity                          28.2      29.1      28.9      29.3      29.3      29.0      28.7      28.7          28.7      28.7      28.7      28.8
  9          Other                                         509.8     545.4     551.9     563.2     571.2     574.3     577.0     581.9         582.1     585.1     585.1     586.0
  10       Consumer                                        197.8     198.1     197.9     199.9     202.6     200.3     199.3     199.1         199.7     199.9     199.5     202.2
  11       Security (3)                                      6.0       6.2       6.5       6.8       6.4       6.2       6.1       6.1           6.0       5.8       6.3       6.2
  12       Other loans and leases                           66.5      73.9      73.7      73.4      72.0      69.3      68.5      68.9          68.6      68.2      69.1      69.7

  13  Interbank loans                                       63.4      69.0      74.3      77.8      71.2      67.7      67.0      66.9          64.4      63.5      71.0      68.3

  14  Cash assets (4)                                       61.7      66.9      67.2      72.4      74.1      74.2      72.1      70.4          67.6      74.9      70.6      70.5

  15  Other assets (5)                                      56.6      65.3      67.8      73.5      74.2      74.7      76.3      75.6          75.4      78.0      78.3      85.4

  16  TOTAL ASSETS (6)                                   1,549.7   1,637.0   1,660.2   1,700.8   1,718.1   1,716.2   1,717.3   1,728.7       1,725.6   1,739.7   1,743.5   1,754.5

            L I A B I L I T I E S

  17  Deposits                                           1,249.4   1,310.8   1,323.6   1,354.6   1,366.9   1,365.7   1,366.0   1,375.8       1,369.1   1,387.7   1,393.3   1,396.5
  18    Transaction                                        281.8     283.2     283.1     292.2     302.1     294.4     288.4     292.3         289.3     307.9     289.1     289.5
  19    Nontransaction                                     967.5   1,027.6   1,040.5   1,062.5   1,064.8   1,071.3   1,077.5   1,083.5       1,079.8   1,079.9   1,104.2   1,107.0
  20       Large time                                      180.8     190.8     192.8     197.0     194.8     193.2     195.5     196.8         197.4     198.3     198.0     197.9
  21       Other                                           786.7     836.8     847.7     865.4     870.0     878.1     882.0     886.7         882.4     881.6     906.1     909.0

  22  Borrowings                                           146.6     167.8     174.6     182.6     187.7     183.1     183.8     184.9         188.6     182.1     180.5     181.9
  23    From banks in the U.S.                              68.3      77.6      82.7      86.4      89.0      83.9      83.3      83.0          85.4      80.4      78.8      79.1
  24    From others                                         78.3      90.2      91.9      96.2      98.7      99.2     100.6     101.9         103.3     101.7     101.6     102.8

  25  Net due to related foreign offices                     4.1       3.7       4.7       3.6       3.6       3.0       3.2       4.5           5.1       5.9       5.1       5.1

  26  Other liabilities                                     28.0      28.9      29.6      30.3      30.7      31.7      31.4      31.1          31.0      31.4      31.8      32.4

  27  TOTAL LIABILITIES                                  1,428.1   1,511.3   1,532.4   1,571.2   1,588.9   1,583.5   1,584.4   1,596.5       1,593.8   1,607.1   1,610.7   1,615.9

  28  Residual (assets less liabilities) (7)               121.6     125.7     127.8     129.6     129.2     132.7     133.0     132.3         131.9     132.6     132.9     138.6

               MEMO
  31  Mortgage-backed securities (9)                        45.9      52.7      55.2      59.0      61.4      61.7      62.6      63.5          63.6      64.1      64.0      64.4



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

  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                                                                                                                            April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          564.0     598.1     619.7     610.6     597.7     583.1     568.9     554.4         551.4     555.8     545.9     554.8

  2     Securities in bank credit                          197.5     211.9     218.6     215.2     212.8     211.0     204.1     198.4         198.1     197.6     196.2     200.3
  3        U.S. government securities                       88.6      83.3      80.8      81.4      81.6      83.3      82.5      83.8          84.2      87.0      86.9      87.6
  4        Other securities                                109.0     128.6     137.8     133.8     131.2     127.6     121.6     114.5         113.9     110.6     109.3     112.7

  5     Loans and leases in bank credit (2)                366.4     386.2     401.1     395.4     384.9     372.1     364.8     356.0         353.3     358.2     349.7     354.4
  6        Commercial and industrial                       219.4     216.8     223.5     224.1     218.2     213.7     212.4     210.8         212.7     207.5     208.2     211.0
  7        Real estate                                      25.9      23.6      23.5      22.6      21.7      21.8      21.6      21.7          21.8      21.9      21.8      21.9
  11       Security (3)                                     50.1      66.7      69.8      64.9      65.7      62.6      58.5      49.9          46.6      55.1      48.8      50.9
  12       Other loans and leases                           71.1      79.1      84.3      83.8      79.4      74.0      72.3      73.7          72.1      73.6      70.9      70.6

  13  Interbank loans                                       23.1      27.3      25.7      27.2      28.0      29.5      31.9      26.4          25.4      27.9      27.4      23.0

  14  Cash assets (4)                                       34.4      34.3      35.7      34.9      35.8      36.4      36.2      37.2          38.1      34.9      37.3      37.1

  15  Other assets (5)                                      36.0      37.3      38.5      36.9      38.4      38.5      37.7      37.8          37.1      37.3      39.2      36.7

  16  TOTAL ASSETS (6)                                     657.1     696.7     719.3     709.4     699.7     687.2     674.5     655.5         651.7     655.6     649.6     651.4

            L I A B I L I T I E S

  17  Deposits                                             289.7     315.3     317.8     315.4     308.6     318.3     321.0     311.2         305.0     304.0     307.2     308.1
  18    Transaction                                         11.8      15.3      15.4      12.8      11.5      12.9      13.9      13.1          12.4      12.7      13.1      12.8
  19    Nontransaction                                     278.0     300.0     302.4     302.6     297.1     305.3     307.0     298.1         292.6     291.2     294.2     295.3

  22  Borrowings                                           171.9     205.3     215.3     214.6     203.7     193.6     180.7     174.2         169.4     176.9     175.4     175.2
  23    From banks in the U.S.                              27.1      28.4      30.6      32.1      27.2      21.5      18.0      24.4          24.5      26.0      22.3      24.3
  24    From others                                        144.8     176.8     184.7     182.5     176.5     172.2     162.7     149.8         145.0     150.9     153.0     150.9

  25  Net due to related foreign offices                   123.7      98.1     105.6      99.2     101.5     101.7     100.1      99.4          99.0     102.2     106.9     103.8

  26  Other liabilities                                     70.3      75.9      79.1      76.2      76.7      74.3      70.4      68.1          67.1      67.9      67.9      66.7

  27  TOTAL LIABILITIES                                    655.6     694.6     717.8     705.4     690.5     687.9     672.1     652.9         640.5     651.0     657.3     653.8

  28  Residual (assets less liabilities) (7)                 1.4       2.1       1.5       4.0       9.2      -0.7       2.4       2.5          11.2       4.6      -7.7      -2.4



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

  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                                                                                                                        April 23, 1999


               Account                                    1998      1998      1998      1998      1998      1999      1999      1999                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 24    Mar 31     Apr 7    Apr 14
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          566.4     597.3     623.9     613.8     600.6     586.5     572.7     556.0         550.8     557.0     545.4     551.5

  2     Securities in bank credit                          198.9     211.3     221.7     218.4     211.4     211.2     205.8     199.5         197.2     197.6     197.6     198.7
  3        U.S. government securities                       89.5      82.5      80.7      81.8      81.8      83.0      82.9      84.7          84.9      87.5      87.0      87.2
  3a         Trading account                                17.5      20.7      16.6      14.1      15.2      17.5      18.5      19.9          19.9      21.5      21.2      21.1
  3b         Investment account                             72.1      61.8      64.2      67.7      66.6      65.5      64.4      64.8          65.0      66.0      65.8      66.1
  4        Other securities                                109.3     128.8     141.0     136.6     129.6     128.2     122.9     114.8         112.3     110.2     110.6     111.5
  4a         Trading account                                66.0      84.2      91.6      84.8      78.9      79.1      75.4      71.8          69.9      70.1      69.6      69.5
  4b         Investment account                             43.3      44.6      49.3      51.8      50.8      49.1      47.5      43.1          42.4      40.0      40.9      42.0

  5     Loans and leases in bank credit (2)                367.5     386.0     402.2     395.4     389.1     375.3     366.9     356.5         353.6     359.4     347.8     352.8
  6        Commercial and industrial                       219.8     216.3     224.4     225.3     221.0     215.5     214.2     211.1         212.9     208.3     207.1     209.4
  7        Real estate                                      25.9      23.6      23.7      22.9      21.8      22.0      22.0      21.8          21.8      21.7      21.6      21.6
  11       Security (3)                                     51.2      66.8      69.6      64.3      66.2      62.5      58.2      50.5          47.4      56.0      48.5      50.8
  12       Other loans and leases                           70.6      79.2      84.5      83.0      80.3      75.3      72.5      73.1          71.5      73.5      70.6      71.1

  13  Interbank loans                                       23.1      27.3      25.7      27.2      28.0      29.5      31.9      26.4          25.4      27.9      27.4      23.0

  14  Cash assets (4)                                       33.4      34.1      36.1      35.5      37.3      36.9      35.5      36.1          36.9      34.4      35.7      36.0

  15  Other assets (5)                                      36.4      37.8      38.3      37.1      39.9      38.8      38.8      38.4          36.9      36.6      37.7      35.0

  16  TOTAL ASSETS (6)                                     659.0     696.2     723.7     713.4     705.5     691.4     678.7     656.5         649.7     655.6     646.0     645.3

            L I A B I L I T I E S

  17  Deposits                                             292.4     315.1     318.2     315.0     312.2     315.7     319.7     314.5         310.5     308.0     305.7     306.6
  18    Transaction                                         11.9      16.0      15.4      12.7      11.9      13.0      13.7      13.2          12.6      13.3      13.0      12.6
  19    Nontransaction                                     280.5     299.1     302.8     302.3     300.3     302.7     306.0     301.3         297.9     294.8     292.7     294.0

  22  Borrowings                                           171.9     205.3     215.3     214.6     203.7     193.6     180.7     174.2         169.4     176.9     175.4     175.2
  23    From banks in the U.S.                              27.1      28.4      30.6      32.1      27.2      21.5      18.0      24.4          24.5      26.0      22.3      24.3
  24    From others                                        144.8     176.8     184.7     182.5     176.5     172.2     162.7     149.8         145.0     150.9     153.0     150.9

  25  Net due to related foreign offices                   121.7      96.3     107.8     102.6     107.7     104.4     103.7      97.6         101.3     101.4      95.9      95.9

  26  Other liabilities                                     70.4      75.5      78.4      77.1      78.1      74.5      71.9      68.2          66.8      67.2      66.5      65.5

  27  TOTAL LIABILITIES                                    656.4     692.2     719.7     709.4     701.7     688.2     676.0     654.4         648.0     653.6     643.5     643.2

  28  Residual (assets less liabilities) (7)                 2.6       4.0       4.0       4.0       3.8       3.2       2.6       2.1           1.8       2.1       2.5       2.1

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              40.9      47.7      52.0      48.6      48.1      45.9      43.6      40.3          39.1      39.3      39.5      38.5
  30  Reval. losses on off-bal. sheet items (8)             40.2      44.2      47.5      44.9      44.5      42.2      41.3      39.1          38.2      38.4      39.7      38.2



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

  Footnotes appear on page 13.




  H.8 (510)       Footnotes                                                                                                                                                Page 13
                                                                                                                                                                    April 23, 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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