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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,489.8 4,509.5 4,518.8 4,555.0 4,552.4 4,587.6 4,619.0 4,626.6 4,614.3 4,621.4 4,639.6 4,629.9 2 Securities in bank credit 1,218.8 1,196.0 1,195.5 1,213.8 1,231.2 1,248.4 1,259.0 1,247.7 1,250.3 1,244.7 1,248.4 1,228.9 3 U.S. government securities 776.9 801.9 800.1 813.0 814.0 820.0 817.5 809.5 814.4 808.1 807.2 796.8 4 Other securities 441.9 394.1 395.5 400.8 417.2 428.4 441.5 438.2 435.9 436.6 441.2 432.1 5 Loans and leases in bank credit (2) 3,271.0 3,313.5 3,323.3 3,341.2 3,321.2 3,339.2 3,360.0 3,378.9 3,364.0 3,376.7 3,391.2 3,401.0 6 Commercial and industrial 944.4 961.9 957.6 963.7 965.1 973.1 980.7 983.7 979.1 985.6 986.6 989.2 7 Real estate 1,301.2 1,351.0 1,360.3 1,365.9 1,367.3 1,379.7 1,396.7 1,421.1 1,420.6 1,422.1 1,423.2 1,426.0 8 Revolving home equity 102.4 103.0 104.3 103.7 97.9 98.5 106.4 115.1 115.2 115.3 115.2 115.4 9 Other 1,198.9 1,247.9 1,256.0 1,262.2 1,269.4 1,281.2 1,290.3 1,306.0 1,305.5 1,306.8 1,308.0 1,310.6 10 Consumer 493.1 499.5 495.9 491.3 481.9 480.1 481.2 481.3 480.2 481.5 482.7 482.0 11 Security (3) 156.5 122.0 126.7 130.9 122.2 122.4 116.0 107.8 101.8 105.6 113.9 114.5 12 Other loans and leases 375.8 379.1 382.8 389.4 384.6 383.9 385.4 384.9 382.2 382.0 384.8 389.3 13 Interbank loans 219.2 217.4 227.5 224.5 224.0 214.9 207.8 218.4 212.2 217.5 228.0 220.3 14 Cash assets (4) 246.1 257.8 259.9 261.0 258.2 253.5 263.7 271.0 271.4 273.7 276.3 269.3 15 Other assets (5) 329.0 344.8 347.2 348.6 348.7 345.5 348.5 361.7 361.4 362.9 361.6 370.8 16 TOTAL ASSETS (6) 5,226.2 5,270.9 5,294.6 5,330.5 5,325.1 5,342.9 5,379.9 5,418.4 5,400.0 5,416.2 5,445.9 5,430.7 L I A B I L I T I E S 17 Deposits 3,287.6 3,376.4 3,374.9 3,377.2 3,392.0 3,385.5 3,395.7 3,431.8 3,436.2 3,423.5 3,443.5 3,435.1 18 Transaction 673.0 656.6 649.6 655.7 649.3 637.2 635.0 631.4 630.2 630.6 653.1 617.5 19 Nontransaction 2,614.5 2,719.9 2,725.2 2,721.5 2,742.8 2,748.3 2,760.7 2,800.4 2,805.9 2,792.9 2,790.4 2,817.6 20 Large time 714.8 725.7 723.6 718.8 721.9 720.3 728.5 765.4 762.3 766.7 769.7 780.2 21 Other 1,899.8 1,994.2 2,001.7 2,002.7 2,020.9 2,028.0 2,032.2 2,034.9 2,043.6 2,026.2 2,020.7 2,037.5 22 Borrowings 983.4 983.7 997.8 1,020.5 1,018.8 1,025.8 1,038.1 1,041.2 1,032.5 1,048.2 1,046.2 1,047.2 23 From banks in the U.S. 315.5 311.8 324.3 338.4 339.2 338.5 342.6 352.7 347.3 350.6 352.2 363.1 24 From others 667.9 671.9 673.6 682.0 679.6 687.3 695.6 688.5 685.2 697.7 694.0 684.0 25 Net due to related foreign offices 221.0 210.2 203.9 215.1 212.5 222.4 218.3 221.7 218.4 218.4 210.9 230.8 26 Other liabilities 316.5 273.8 271.1 275.5 274.0 279.2 289.2 287.9 282.4 288.8 300.0 281.0 27 TOTAL LIABILITIES 4,808.4 4,844.2 4,847.7 4,888.2 4,897.3 4,912.9 4,941.3 4,982.6 4,969.5 4,979.0 5,000.6 4,994.1 28 Residual (assets less liabilities) (7) 417.8 426.8 447.0 442.3 427.8 430.0 438.6 435.8 430.6 437.2 445.3 436.6 ------------------------------------------------- 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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,494.9 4,517.7 4,521.5 4,548.9 4,536.4 4,566.5 4,609.2 4,631.1 4,616.3 4,624.3 4,641.7 4,654.5 2 Securities in bank credit 1,216.7 1,204.7 1,201.0 1,210.5 1,220.1 1,235.5 1,247.8 1,244.2 1,243.7 1,239.7 1,247.7 1,235.9 3 U.S. government securities 772.1 811.8 808.2 812.5 806.2 808.2 807.3 803.9 805.6 801.8 803.8 798.8 4 Other securities 444.5 392.9 392.8 398.0 413.9 427.3 440.5 440.4 438.1 437.9 443.9 437.1 5 Loans and leases in bank credit (2) 3,278.2 3,313.1 3,320.5 3,338.4 3,316.4 3,331.0 3,361.4 3,386.9 3,372.6 3,384.6 3,393.9 3,418.6 6 Commercial and industrial 944.1 968.6 962.1 963.9 962.7 964.4 976.8 984.8 979.1 986.5 986.3 993.7 7 Real estate 1,304.7 1,347.6 1,359.7 1,366.5 1,368.4 1,382.3 1,400.4 1,424.9 1,425.4 1,425.0 1,425.8 1,431.3 8 Revolving home equity 103.2 102.4 103.9 103.3 97.7 98.7 107.2 116.0 116.0 116.2 116.1 116.4 9 Other 1,201.5 1,245.3 1,255.8 1,263.2 1,270.6 1,283.6 1,293.2 1,308.9 1,309.5 1,308.8 1,309.7 1,315.0 10 Consumer 493.6 496.0 493.4 488.6 479.5 481.2 484.2 482.0 480.5 482.4 484.0 482.6 11 Security (3) 158.1 123.9 126.5 130.4 120.2 118.7 112.7 108.6 102.5 107.2 114.2 118.1 12 Other loans and leases 377.7 377.0 378.8 389.0 385.6 384.4 387.3 386.6 385.0 383.4 383.6 392.9 13 Interbank loans 217.0 222.4 223.3 221.8 217.7 207.1 204.2 214.9 208.0 210.9 220.9 228.0 14 Cash assets (4) 246.5 255.5 257.6 256.6 250.3 243.1 261.0 271.3 290.3 270.1 266.2 271.7 15 Other assets (5) 326.9 347.8 348.7 354.5 351.4 348.3 350.5 359.2 361.3 356.0 354.7 374.1 16 TOTAL ASSETS (6) 5,227.5 5,285.1 5,292.3 5,322.9 5,297.6 5,306.2 5,365.6 5,417.2 5,416.6 5,402.1 5,424.2 5,468.7 L I A B I L I T I E S 17 Deposits 3,287.1 3,387.2 3,365.5 3,375.2 3,375.7 3,371.6 3,394.3 3,434.3 3,455.3 3,417.7 3,417.5 3,459.9 18 Transaction 662.9 664.2 640.6 650.8 638.5 620.9 629.2 623.2 636.5 616.6 623.7 623.2 19 Nontransaction 2,624.1 2,723.0 2,724.9 2,724.4 2,737.1 2,750.7 2,765.1 2,811.1 2,818.8 2,801.1 2,793.8 2,836.7 20 Large time 716.4 722.6 724.8 716.1 715.2 717.6 730.0 767.0 762.9 766.6 772.8 783.0 21 Other 1,907.7 2,000.3 2,000.1 2,008.3 2,022.0 2,033.1 2,035.2 2,044.1 2,055.9 2,034.6 2,021.0 2,053.8 22 Borrowings 985.6 983.5 1,006.0 1,024.1 1,009.5 1,002.3 1,033.0 1,043.9 1,029.9 1,053.4 1,056.5 1,058.6 23 From banks in the U.S. 313.6 312.4 325.2 338.3 334.6 331.3 338.8 350.4 343.5 348.3 351.6 365.1 24 From others 672.0 671.1 680.8 685.7 674.9 671.0 694.2 693.6 686.4 705.1 704.9 693.5 25 Net due to related foreign offices 223.5 203.1 210.1 209.3 204.7 217.4 214.3 223.4 218.0 221.0 228.9 228.9 26 Other liabilities 315.0 273.4 270.8 274.8 273.2 279.1 288.1 286.4 280.7 287.1 299.0 280.2 27 TOTAL LIABILITIES 4,811.2 4,847.3 4,852.3 4,883.4 4,863.1 4,870.4 4,929.7 4,988.0 4,983.9 4,979.2 5,001.8 5,027.6 28 Residual (assets less liabilities) (7) 416.3 437.8 440.1 439.6 434.6 435.8 435.8 429.2 432.8 422.8 422.3 441.1 MEMO 29 Reval. gains on off-bal. sheet items (8) 134.1 93.2 92.6 92.6 97.8 102.8 111.3 98.8 97.5 96.6 99.6 90.6 30 Reval. losses on off-bal. sheet items (8) 131.2 95.0 94.5 94.7 99.1 105.4 110.4 97.4 95.5 94.5 99.1 91.3 ------------------------------------------------- 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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,871.4 3,959.9 3,979.5 4,023.2 4,032.5 4,064.5 4,100.9 4,108.7 4,098.5 4,104.5 4,120.0 4,110.6 2 Securities in bank credit 1,000.0 995.6 999.5 1,017.7 1,041.5 1,058.3 1,069.6 1,061.1 1,064.0 1,059.2 1,060.6 1,045.2 3 U.S. government securities 695.6 712.3 712.7 724.5 728.0 735.8 735.7 729.7 734.6 729.8 726.6 718.8 4 Other securities 304.4 283.3 286.7 293.2 313.6 322.5 334.0 331.3 329.3 329.5 333.9 326.4 5 Loans and leases in bank credit (2) 2,871.3 2,964.4 2,980.0 3,005.5 2,991.0 3,006.1 3,031.3 3,047.6 3,034.5 3,045.3 3,059.5 3,065.4 6 Commercial and industrial 720.8 752.4 755.5 766.8 772.3 777.6 783.5 784.7 780.2 785.5 787.7 790.7 7 Real estate 1,277.7 1,331.0 1,340.5 1,346.7 1,349.0 1,362.1 1,379.1 1,403.3 1,402.9 1,404.4 1,405.4 1,408.3 8 Revolving home equity 102.4 103.0 104.3 103.7 97.9 98.5 106.4 115.1 115.2 115.3 115.2 115.4 9 Other 1,175.3 1,228.0 1,236.2 1,243.0 1,251.0 1,263.6 1,272.7 1,288.2 1,287.7 1,289.0 1,290.2 1,292.9 10 Consumer 493.1 499.5 495.9 491.3 481.9 480.1 481.2 481.3 480.2 481.5 482.7 482.0 11 Security (3) 86.5 70.1 73.4 79.0 69.6 67.4 64.8 56.1 51.4 54.6 61.9 58.3 12 Other loans and leases 293.3 311.3 314.7 321.7 318.2 318.9 322.7 322.2 319.8 319.4 321.9 326.0 13 Interbank loans 193.6 192.0 200.9 200.0 196.5 189.2 184.9 195.5 191.0 196.1 201.8 195.7 14 Cash assets (4) 210.6 223.2 223.9 227.5 223.1 215.5 222.9 226.9 229.2 230.1 231.7 221.7 15 Other assets (5) 290.6 307.3 311.3 315.1 316.6 316.5 319.2 329.9 329.3 330.8 329.2 338.0 16 TOTAL ASSETS (6) 4,508.5 4,624.2 4,657.1 4,707.4 4,710.9 4,727.3 4,769.1 4,801.9 4,788.9 4,802.5 4,823.5 4,806.7 L I A B I L I T I E S 17 Deposits 2,971.5 3,064.6 3,064.4 3,071.5 3,081.6 3,076.3 3,084.5 3,100.5 3,107.3 3,090.2 3,107.5 3,093.9 18 Transaction 657.7 646.5 639.1 644.8 638.3 626.2 624.1 619.9 618.7 618.7 641.6 606.7 19 Nontransaction 2,313.8 2,418.1 2,425.3 2,426.6 2,443.2 2,450.1 2,460.4 2,480.6 2,488.7 2,471.5 2,465.8 2,487.3 20 Large time 415.3 425.5 425.6 426.2 425.2 426.1 433.4 447.4 447.5 446.4 446.2 450.6 21 Other 1,898.5 1,992.6 1,999.7 2,000.5 2,018.0 2,024.0 2,027.0 2,033.2 2,041.1 2,025.1 2,019.6 2,036.7 22 Borrowings 767.6 811.6 825.1 839.6 846.5 853.6 869.2 871.6 864.5 878.5 876.0 872.0 23 From banks in the U.S. 284.7 290.8 302.9 311.9 314.7 314.9 317.3 330.0 327.4 327.9 329.7 335.5 24 From others 482.9 520.8 522.3 527.7 531.8 538.8 551.9 541.7 537.1 550.6 546.3 536.4 25 Net due to related foreign offices 115.3 115.4 118.7 145.6 145.2 150.5 152.2 167.1 166.1 167.5 160.6 176.0 26 Other liabilities 237.5 206.6 211.1 214.1 210.7 217.5 224.7 225.1 219.9 226.5 236.1 218.4 27 TOTAL LIABILITIES 4,091.9 4,198.2 4,219.4 4,270.7 4,283.9 4,297.9 4,330.6 4,364.3 4,357.9 4,362.7 4,380.2 4,360.3 28 Residual (assets less liabilities) (7) 416.6 425.9 437.8 436.7 427.0 429.3 438.5 437.6 431.1 439.9 443.3 446.4 ------------------------------------------------- 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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,872.2 3,971.0 3,987.4 4,020.1 4,019.7 4,047.1 4,092.0 4,109.2 4,097.0 4,104.0 4,118.0 4,126.8 2 Securities in bank credit 994.8 1,005.8 1,006.6 1,015.3 1,032.0 1,046.7 1,059.2 1,054.9 1,054.7 1,052.0 1,056.1 1,046.8 3 U.S. government securities 691.0 722.6 720.1 723.6 720.6 725.0 726.4 724.2 726.4 723.4 722.8 719.9 4 Other securities 303.9 283.2 286.5 291.7 311.4 321.7 332.7 330.7 328.3 328.6 333.3 326.9 5 Loans and leases in bank credit (2) 2,877.4 2,965.2 2,980.8 3,004.8 2,987.7 3,000.4 3,032.8 3,054.3 3,042.3 3,052.0 3,061.9 3,080.1 6 Commercial and industrial 719.5 760.6 762.6 768.8 770.7 770.6 779.9 784.7 779.7 785.7 786.2 792.8 7 Real estate 1,281.0 1,327.9 1,340.1 1,347.5 1,350.2 1,364.8 1,382.8 1,406.9 1,407.5 1,407.1 1,407.9 1,413.4 8 Revolving home equity 103.2 102.4 103.9 103.3 97.7 98.7 107.2 116.0 116.0 116.2 116.1 116.4 9 Other 1,177.7 1,225.5 1,236.3 1,244.2 1,252.4 1,266.1 1,275.6 1,290.9 1,291.5 1,290.9 1,291.7 1,297.0 10 Consumer 493.6 496.0 493.4 488.6 479.5 481.2 484.2 482.0 480.5 482.4 484.0 482.6 11 Security (3) 88.3 72.1 73.5 78.2 67.9 63.7 61.3 57.2 52.1 56.4 63.3 62.0 12 Other loans and leases 295.0 308.7 311.1 321.8 319.3 320.1 324.7 323.6 322.4 320.2 320.6 329.3 13 Interbank loans 191.5 197.0 196.7 197.3 190.2 181.4 181.4 192.0 186.8 189.5 194.7 203.4 14 Cash assets (4) 210.6 222.0 222.0 222.2 215.4 205.5 220.4 226.6 247.6 225.7 220.5 223.3 15 Other assets (5) 288.6 312.0 313.5 322.1 320.0 318.7 320.9 327.5 329.1 324.1 322.9 341.3 16 TOTAL ASSETS (6) 4,505.3 4,644.0 4,661.2 4,703.2 4,687.4 4,694.1 4,755.5 4,796.2 4,801.6 4,784.3 4,797.0 4,835.5 L I A B I L I T I E S 17 Deposits 2,970.6 3,075.9 3,052.7 3,068.8 3,067.7 3,065.0 3,083.6 3,103.0 3,127.3 3,085.2 3,080.2 3,119.4 18 Transaction 647.6 654.3 630.3 640.1 627.7 609.9 617.8 611.7 624.9 604.7 612.3 612.3 19 Nontransaction 2,323.0 2,421.6 2,422.4 2,428.6 2,440.0 2,455.0 2,465.8 2,491.2 2,502.3 2,480.5 2,467.9 2,507.1 20 Large time 417.1 423.4 424.5 422.6 420.3 424.2 432.9 449.4 448.7 448.2 449.2 455.6 21 Other 1,905.9 1,998.2 1,997.9 2,006.0 2,019.7 2,030.8 2,032.9 2,041.8 2,053.6 2,032.3 2,018.7 2,051.5 22 Borrowings 769.8 811.4 833.3 843.1 837.2 830.2 864.1 874.4 861.9 883.6 886.3 883.4 23 From banks in the U.S. 282.8 291.4 303.8 311.7 310.0 307.7 313.6 327.6 323.6 325.6 329.0 337.5 24 From others 487.0 519.9 529.5 531.4 527.1 522.5 550.6 546.8 538.3 558.0 557.2 545.9 25 Net due to related foreign offices 115.5 114.0 126.7 141.2 139.9 147.5 149.8 167.0 163.3 168.7 173.4 173.4 26 Other liabilities 236.8 207.3 211.3 213.9 210.7 217.3 224.0 224.2 219.0 225.6 235.3 217.7 27 TOTAL LIABILITIES 4,092.7 4,208.6 4,224.1 4,267.0 4,255.5 4,259.9 4,321.5 4,368.5 4,371.5 4,363.2 4,375.1 4,393.8 28 Residual (assets less liabilities) (7) 412.6 435.5 437.1 436.3 431.9 434.2 434.1 427.7 430.1 421.2 421.9 441.6 MEMO 29 Reval. gains on off-bal. sheet items (8) 82.2 55.0 57.3 57.7 60.5 64.7 73.0 62.9 61.2 60.9 63.6 55.6 30 Reval. losses on off-bal. sheet items (8) 83.6 56.4 59.6 60.5 62.8 69.1 73.1 62.2 60.2 59.7 63.1 56.2 31 Mortgage-backed securities (9) 335.9 335.7 335.5 332.1 331.0 335.1 338.2 337.2 339.0 334.9 336.2 336.7 ------------------------------------------------- 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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,428.7 2,430.4 2,438.6 2,466.2 2,461.0 2,478.9 2,501.2 2,487.4 2,478.4 2,483.2 2,496.7 2,487.1 2 Securities in bank credit 584.3 551.5 551.3 562.0 581.9 596.5 606.1 595.3 597.1 593.5 595.7 582.5 3 U.S. government securities 380.0 379.7 377.8 384.0 384.2 391.8 390.0 383.4 386.9 384.0 381.4 375.4 3a Trading account 21.0 25.9 22.3 25.1 22.7 23.3 20.9 20.0 19.3 20.8 19.9 18.8 3b Investment account 359.0 353.8 355.4 358.9 361.4 368.5 369.1 363.4 367.5 363.2 361.6 356.7 4 Other securities 204.4 171.8 173.5 178.0 197.7 204.7 216.1 211.9 210.3 209.5 214.2 207.0 4a Trading account 112.7 72.8 75.0 74.2 79.7 83.7 90.9 83.8 82.8 81.9 84.5 77.5 4b Investment account 91.7 99.0 98.6 103.8 118.0 121.0 125.2 128.2 127.5 127.7 129.8 129.5 4c State and local government 23.9 24.6 24.8 25.3 25.4 25.7 25.7 25.7 25.6 25.4 25.4 27.2 4d Other 67.8 74.4 73.8 78.5 92.6 95.3 99.5 102.5 101.9 102.3 104.3 102.3 5 Loans and leases in bank credit (2) 1,844.3 1,879.0 1,887.3 1,904.3 1,879.1 1,882.4 1,895.1 1,892.0 1,881.3 1,889.7 1,901.1 1,904.6 6 Commercial and industrial 532.3 552.8 552.9 561.4 564.1 567.6 570.6 566.0 562.1 567.0 568.7 569.6 6a Bankers acceptances 1.3 1.1 1.0 1.0 1.0 1.1 1.1 1.1 1.1 1.1 1.1 1.1 6b Other 531.0 551.7 551.9 560.4 563.1 566.5 569.5 564.9 561.0 565.9 567.6 568.5 7 Real estate 708.6 718.9 722.4 721.8 716.7 721.6 733.1 745.6 746.3 746.6 745.6 747.6 8 Revolving home equity 74.2 74.2 75.0 74.1 68.2 68.7 76.6 84.8 84.7 85.2 84.9 85.1 9 Other 634.4 644.7 647.4 647.7 648.5 652.9 656.5 660.7 661.6 661.5 660.7 662.6 10 Consumer 300.9 300.5 297.6 292.8 284.0 280.9 279.1 277.5 276.6 277.3 278.2 279.7 11 Security (3) 80.4 64.6 68.3 73.8 64.3 62.2 59.4 50.8 46.1 49.4 56.7 52.5 11a Fed funds and RPs with broker/dealer 63.6 47.9 51.4 55.6 46.9 45.3 42.1 34.0 29.5 31.8 41.1 36.6 11b Other 16.7 16.7 16.8 18.2 17.4 16.9 17.3 16.8 16.6 17.7 15.6 15.9 12a State and local government 11.4 11.4 11.4 11.4 11.7 11.8 11.9 12.0 12.0 12.0 11.9 11.8 12b Agricultural 8.9 8.9 8.6 8.6 8.5 8.8 8.8 8.9 8.8 8.9 8.9 8.9 12c Fed funds and RPs with others 13.4 11.8 10.7 15.5 4.2 7.7 10.9 9.7 10.3 10.0 7.3 10.9 12d All other loans 87.0 92.3 96.0 99.0 103.9 98.7 96.5 94.1 92.6 92.5 96.0 95.7 12e Lease financing receivables 101.5 117.9 119.3 120.0 121.7 123.1 124.6 127.4 126.3 126.0 127.7 127.9 13 Interbank loans 123.3 131.7 143.3 144.7 139.6 134.6 132.6 145.9 142.3 147.8 151.7 142.3 13a Fed funds and RPs with banks 77.2 81.1 88.0 87.1 89.5 85.9 83.3 90.5 88.2 92.2 95.8 84.3 13b Other 46.1 50.6 55.2 57.6 50.1 48.7 49.4 55.3 54.1 55.6 55.9 58.0 14 Cash assets (4) 144.4 155.3 153.0 156.2 150.5 143.2 149.8 154.3 155.4 158.4 156.4 150.7 15 Other assets (5) 228.9 234.8 237.3 240.6 238.6 236.0 238.6 243.2 246.1 243.1 243.9 239.3 16 TOTAL ASSETS (6) 2,886.9 2,913.7 2,933.6 2,969.2 2,951.5 2,954.5 2,983.6 2,992.2 2,983.6 2,994.0 3,010.0 2,980.7 ------------------------------------------------- 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) November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,677.0 1,699.7 1,694.4 1,694.6 1,692.8 1,679.8 1,685.3 1,684.8 1,691.8 1,676.4 1,684.5 1,679.7 18 Transaction 376.6 364.4 355.4 357.2 351.2 337.7 338.3 334.0 335.0 333.2 345.9 322.7 19 Nontransaction 1,300.3 1,335.3 1,339.0 1,337.4 1,341.6 1,342.0 1,347.0 1,350.8 1,356.9 1,343.2 1,338.7 1,357.0 20 Large time 227.1 229.0 226.0 227.9 228.9 226.9 232.6 242.4 242.9 241.4 240.6 244.6 21 Other 1,073.3 1,106.3 1,113.0 1,109.5 1,112.7 1,115.1 1,114.5 1,108.5 1,114.0 1,101.7 1,098.1 1,112.5 22 Borrowings 600.6 625.9 633.6 643.4 639.5 645.1 655.2 657.2 649.6 660.8 663.3 659.9 23 From banks in the U.S. 205.4 207.1 215.6 220.7 217.5 219.1 221.1 237.1 234.2 233.2 238.5 244.0 24 From others 395.3 418.8 418.0 422.7 422.1 426.0 434.0 420.0 415.4 427.6 424.8 415.9 25 Net due to related foreign offices 110.6 110.5 113.6 141.5 140.9 147.0 148.8 162.7 161.6 163.4 156.0 171.4 26 Other liabilities 209.0 176.3 180.0 182.0 179.4 184.4 190.5 190.3 185.6 192.3 201.4 181.3 27 TOTAL LIABILITIES 2,597.2 2,612.3 2,621.7 2,661.5 2,652.6 2,656.3 2,679.8 2,694.9 2,688.6 2,692.9 2,705.2 2,692.4 28 Residual (assets less liabilities) (7) 289.7 301.3 312.0 307.7 299.0 298.2 303.8 297.3 295.1 301.1 304.8 288.3 ------------------------------------------------- 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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,430.4 2,436.4 2,436.3 2,456.1 2,446.9 2,459.4 2,489.0 2,489.2 2,477.4 2,483.4 2,495.0 2,505.7 2 Securities in bank credit 582.0 556.8 553.1 557.7 574.1 586.5 598.0 592.3 590.8 589.3 593.5 587.2 3 U.S. government securities 378.0 385.7 380.6 381.2 378.3 382.8 382.6 380.8 381.3 380.5 380.1 379.7 3a Trading account 21.9 25.2 20.8 23.5 20.9 22.2 20.7 20.8 19.8 22.0 20.4 20.8 3b Investment account 356.1 360.5 359.9 357.7 357.4 360.6 361.9 360.0 361.5 358.5 359.7 358.9 3c Mortgage-backed 259.4 242.5 239.4 235.1 233.8 237.5 240.6 238.2 239.5 236.1 237.5 238.5 3d Other 96.6 118.0 120.4 122.7 123.6 123.1 121.3 121.8 122.0 122.4 122.2 120.4 3e 1 year or less 26.9 24.9 24.3 25.3 25.3 24.9 24.5 25.3 25.1 25.6 25.5 24.4 3f Between 1 and 5 years 38.3 54.2 55.9 57.7 58.8 59.0 58.2 59.0 59.3 59.4 59.3 58.4 3g More than 5 years 31.5 38.9 40.2 39.7 39.5 39.2 38.6 37.5 37.6 37.4 37.4 37.6 4 Other securities 204.0 171.0 172.5 176.5 195.7 203.7 215.4 211.5 209.5 208.8 213.4 207.5 4a Trading account 112.7 72.8 75.0 74.2 79.7 83.7 90.9 83.8 82.8 81.9 84.5 77.5 4b Investment account 91.3 98.2 97.5 102.3 116.0 120.0 124.5 127.7 126.7 126.9 128.9 130.0 4c State and local government 24.0 24.7 24.9 25.1 25.0 25.4 25.6 25.8 25.6 25.5 25.6 27.3 4d Other 67.4 73.5 72.6 77.2 91.1 94.6 98.9 101.9 101.1 101.4 103.3 102.7 5 Loans and leases in bank credit (2) 1,848.4 1,879.7 1,883.3 1,898.4 1,872.9 1,873.0 1,891.0 1,896.9 1,886.6 1,894.1 1,901.5 1,918.5 6 Commercial and industrial 532.4 558.8 557.4 561.5 562.6 561.8 568.2 567.5 563.2 568.6 568.8 573.1 6a Bankers acceptances 1.3 1.1 1.0 1.0 1.0 1.1 1.1 1.1 1.1 1.1 1.1 1.1 6b Other 531.1 557.8 556.4 560.5 561.7 560.8 567.0 566.4 562.0 567.5 567.7 572.0 7 Real estate 710.4 716.0 719.7 719.8 715.8 722.2 733.4 747.7 749.1 748.0 746.5 751.6 8 Revolving home equity 74.8 73.7 74.7 73.9 68.2 69.0 77.2 85.5 85.3 85.8 85.6 85.8 9a Other residential 395.2 390.6 392.4 393.2 394.1 398.6 400.1 404.0 406.2 403.9 402.1 406.1 9b Commercial 240.4 251.7 252.5 252.8 253.4 254.6 256.1 258.2 257.6 258.2 258.8 259.7 10 Consumer 300.8 298.1 295.4 290.9 282.2 281.4 281.0 277.5 276.5 277.2 278.4 279.7 11 Security (3) 82.2 66.5 68.4 73.0 62.7 58.4 55.9 51.9 46.9 51.3 58.1 56.2 11a Fed funds and RPs with broker/dealer 65.5 49.8 51.2 54.1 45.3 41.8 38.8 35.1 30.3 33.4 42.0 40.1 11b Other 16.7 16.7 17.2 18.9 17.4 16.6 17.1 16.8 16.6 17.9 16.1 16.1 12a State and local government 11.4 11.3 11.3 11.3 11.6 11.9 12.0 12.0 12.1 12.0 11.9 11.9 12b Agricultural 9.0 8.7 8.6 8.7 8.8 9.0 9.0 9.0 9.0 9.0 9.0 9.0 12c Fed funds and RPs with others 13.4 11.8 10.7 15.5 4.2 7.7 10.9 9.7 10.3 10.0 7.3 10.9 12d All other loans 87.9 90.4 92.6 97.5 103.6 97.9 97.1 95.0 93.9 93.0 95.2 99.4 12e Lease financing receivables 100.8 118.1 119.2 120.2 121.3 122.5 123.4 126.5 125.6 124.9 126.3 126.8 13 Interbank loans 119.6 135.7 143.4 145.1 137.4 129.3 130.3 141.3 137.2 141.1 146.0 144.0 13a Fed funds and RPs with banks 74.2 83.8 87.1 86.2 85.9 80.9 81.3 86.7 83.2 86.1 91.6 87.9 13b Other 45.4 52.0 56.3 58.8 51.5 48.4 49.0 54.5 53.9 55.0 54.4 56.0 14 Cash assets (4) 145.1 154.2 151.5 151.9 144.7 136.3 148.6 154.7 170.4 155.9 149.6 151.8 15 Other assets (5) 226.7 239.1 239.6 246.0 240.8 237.6 239.8 240.7 244.2 238.4 239.7 239.5 16 TOTAL ASSETS (6) 2,883.6 2,927.2 2,932.3 2,960.5 2,931.5 2,924.1 2,968.9 2,987.4 2,990.8 2,980.6 2,991.9 3,002.3 ------------------------------------------------- Footnotes appear on page 13. 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) November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,673.4 1,705.8 1,680.0 1,688.5 1,681.4 1,669.8 1,681.3 1,683.4 1,702.0 1,670.6 1,664.0 1,692.4 18 Transaction 369.6 368.5 349.0 353.6 344.5 328.4 334.9 328.8 339.7 324.7 328.1 325.8 19 Nontransaction 1,303.8 1,337.4 1,331.0 1,335.0 1,337.0 1,341.4 1,346.4 1,354.6 1,362.3 1,345.9 1,336.0 1,366.6 20 Large time 228.8 226.9 224.8 224.3 224.0 225.1 232.1 244.4 244.1 243.3 243.5 249.5 21 Other 1,075.0 1,110.5 1,106.2 1,110.6 1,112.9 1,116.3 1,114.3 1,110.2 1,118.3 1,102.6 1,092.5 1,117.1 22 Borrowings 600.5 628.3 641.4 645.8 630.4 621.6 647.5 657.0 645.6 662.1 667.3 668.8 23 From banks in the U.S. 201.7 209.4 216.7 220.3 213.7 212.6 217.0 232.8 229.3 228.5 234.1 244.1 24 From others 398.7 418.9 424.7 425.5 416.7 409.0 430.5 424.2 416.4 433.6 433.1 424.7 25 Net due to related foreign offices 110.9 109.0 121.7 137.1 135.7 144.0 146.4 162.6 158.7 164.7 168.8 168.8 26 Other liabilities 209.0 176.3 180.0 182.0 179.4 184.4 190.5 190.3 185.6 192.3 201.4 181.3 27 TOTAL LIABILITIES 2,593.7 2,619.4 2,623.1 2,653.4 2,626.9 2,619.9 2,665.6 2,693.3 2,692.0 2,689.6 2,701.5 2,711.3 28 Residual (assets less liabilities) (7) 289.9 307.8 309.1 307.0 304.6 304.3 303.3 294.1 298.9 290.9 290.4 291.0 MEMO 29 Reval. gains on off-bal. sheet items (8) 82.2 55.0 57.3 57.7 60.5 64.7 73.0 62.9 61.2 60.9 63.6 55.6 30 Reval. losses on off-bal. sheet items (8) 83.6 56.4 59.6 60.5 62.8 69.1 73.1 62.2 60.2 59.7 63.1 56.2 31 Mortgage-backed securities (9) 284.5 270.7 266.8 262.2 260.5 265.0 267.6 264.4 265.7 262.4 263.7 264.5 31a Pass-through 193.0 180.7 177.9 174.6 174.2 177.9 176.9 174.7 175.7 172.9 174.3 174.1 31b CMO, REMIC, and other 91.5 90.1 88.8 87.6 86.3 87.1 90.7 89.7 90.1 89.5 89.4 90.3 32 Net unrealized gains (losses) on 4.4 0.9 0.6 0.0 -3.3 -4.2 -4.9 -5.6 -5.7 -5.7 -5.4 -5.7 available-for-sale securities (10) 33 Offshore credit to U.S. residents (11) 38.5 37.9 37.7 37.0 36.3 32.2 27.8 26.9 27.6 27.1 25.8 25.8 ------------------------------------------------- Footnotes appear on page 13. 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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,442.7 1,529.5 1,540.9 1,556.9 1,571.5 1,585.5 1,599.7 1,621.3 1,620.1 1,621.3 1,623.3 1,623.4 2 Securities in bank credit 415.7 444.1 448.2 455.7 459.7 461.8 463.5 465.7 466.8 465.8 464.9 462.7 3 U.S. government securities 315.7 332.7 334.9 340.5 343.8 344.0 345.7 346.3 347.8 345.8 345.2 343.4 4 Other securities 100.0 111.5 113.2 115.2 115.8 117.8 117.8 119.4 119.1 120.0 119.7 119.3 5 Loans and leases in bank credit (2) 1,027.0 1,085.4 1,092.7 1,101.2 1,111.9 1,123.7 1,136.2 1,155.6 1,153.3 1,155.6 1,158.4 1,160.7 6 Commercial and industrial 188.5 199.6 202.6 205.4 208.2 210.0 212.9 218.7 218.1 218.5 218.9 221.1 7 Real estate 569.1 612.1 618.1 624.9 632.3 640.5 646.0 657.8 656.6 657.7 659.8 660.7 8 Revolving home equity 28.2 28.8 29.2 29.5 29.8 29.8 29.8 30.3 30.4 30.2 30.3 30.4 9 Other 540.9 583.3 588.9 595.3 602.5 610.7 616.2 627.5 626.1 627.6 629.6 630.4 10 Consumer 192.2 199.0 198.2 198.5 197.9 199.2 202.1 203.8 203.6 204.2 204.4 202.3 11 Security (3) 6.1 5.5 5.2 5.2 5.3 5.3 5.3 5.3 5.2 5.1 5.2 5.8 12 Other loans and leases 71.1 69.1 68.7 67.2 68.2 68.7 70.0 70.1 69.8 70.1 70.0 70.8 13 Interbank loans 70.3 60.3 57.6 55.3 56.9 54.6 52.3 49.6 48.7 48.3 50.1 53.4 14 Cash assets (4) 66.2 67.9 70.9 71.4 72.6 72.3 73.1 72.6 73.8 71.7 75.3 71.1 15 Other assets (5) 61.7 72.5 74.0 74.5 78.0 80.4 80.7 86.7 83.2 87.7 85.3 98.7 16 TOTAL ASSETS (6) 1,621.6 1,710.5 1,723.5 1,738.2 1,759.4 1,772.8 1,785.5 1,809.7 1,805.3 1,808.5 1,813.5 1,826.0 L I A B I L I T I E S 17 Deposits 1,294.5 1,364.9 1,370.1 1,376.9 1,388.8 1,396.5 1,399.3 1,415.7 1,415.5 1,413.8 1,422.9 1,414.2 18 Transaction 281.0 282.1 283.7 287.6 287.1 288.5 285.8 286.0 283.7 285.5 295.8 284.0 19 Nontransaction 1,013.5 1,082.8 1,086.4 1,089.2 1,101.7 1,108.1 1,113.4 1,129.8 1,131.8 1,128.3 1,127.2 1,130.3 20 Large time 188.3 196.5 199.7 198.3 196.3 199.2 200.9 205.0 204.6 204.9 205.7 206.0 21 Other 825.2 886.2 886.7 891.0 905.4 908.9 912.6 924.7 927.2 923.4 921.5 924.2 22 Borrowings 167.0 185.7 191.5 196.1 206.9 208.6 214.0 214.5 215.0 217.6 212.7 212.1 23 From banks in the U.S. 79.4 83.7 87.3 91.2 97.2 95.8 96.1 92.8 93.2 94.7 91.2 91.5 24 From others 87.6 102.0 104.2 104.9 109.8 112.8 117.9 121.6 121.8 123.0 121.5 120.5 25 Net due to related foreign offices 4.7 4.9 5.0 4.1 4.3 3.5 3.4 4.4 4.6 4.1 4.6 4.6 26 Other liabilities 28.6 30.4 31.1 32.1 31.3 33.1 34.2 34.8 34.3 34.2 34.7 37.1 27 TOTAL LIABILITIES 1,494.7 1,585.9 1,597.7 1,609.2 1,631.3 1,641.7 1,650.8 1,669.4 1,669.3 1,669.7 1,675.0 1,667.9 28 Residual (assets less liabilities) (7) 126.9 124.6 125.8 129.0 128.1 131.2 134.6 140.3 136.0 138.8 138.5 158.1 ------------------------------------------------- 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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,441.8 1,534.6 1,551.0 1,564.0 1,572.8 1,587.7 1,603.0 1,620.1 1,619.6 1,620.6 1,623.0 1,621.1 2 Securities in bank credit 412.8 449.1 453.5 457.6 457.9 460.2 461.2 462.6 463.9 462.7 462.5 459.5 3 U.S. government securities 313.0 336.9 339.5 342.4 342.3 342.3 343.9 343.4 345.0 342.9 342.6 340.1 4 Other securities 99.9 112.2 114.0 115.2 115.6 118.0 117.3 119.3 118.8 119.8 119.9 119.4 5 Loans and leases in bank credit (2) 1,029.0 1,085.6 1,097.5 1,106.5 1,114.9 1,127.4 1,141.8 1,157.4 1,155.7 1,157.9 1,160.4 1,161.6 6 Commercial and industrial 187.1 201.7 205.2 207.3 208.1 208.8 211.7 217.2 216.6 217.1 217.4 219.7 7 Real estate 570.6 611.9 620.5 627.7 634.4 642.6 649.4 659.2 658.4 659.1 661.4 661.9 8 Revolving home equity 28.4 28.7 29.2 29.4 29.5 29.7 30.0 30.5 30.6 30.4 30.5 30.6 9 Other 542.1 583.2 591.3 598.3 604.9 612.9 619.4 628.7 627.7 628.8 630.9 631.3 10 Consumer 192.7 197.9 198.0 197.7 197.3 199.8 203.2 204.4 204.0 205.2 205.6 202.9 11 Security (3) 6.1 5.5 5.2 5.2 5.3 5.3 5.3 5.3 5.2 5.1 5.2 5.8 12 Other loans and leases 72.5 68.5 68.7 68.5 69.8 71.0 72.2 71.3 71.5 71.3 70.8 71.3 13 Interbank loans 71.8 61.2 53.3 52.2 52.8 52.1 51.1 50.7 49.6 48.4 48.7 59.4 14 Cash assets (4) 65.5 67.8 70.5 70.3 70.7 69.1 71.8 71.8 77.2 69.8 70.9 71.4 15 Other assets (5) 61.9 72.9 73.9 76.1 79.2 81.1 81.1 86.8 84.9 85.6 83.2 101.8 16 TOTAL ASSETS (6) 1,621.7 1,716.8 1,728.9 1,742.8 1,755.9 1,769.9 1,786.6 1,808.9 1,810.8 1,803.8 1,805.1 1,833.2 L I A B I L I T I E S 17 Deposits 1,297.2 1,370.1 1,372.7 1,380.2 1,386.2 1,395.2 1,402.3 1,419.6 1,425.3 1,414.6 1,416.1 1,426.9 18 Transaction 278.1 285.8 281.3 286.6 283.2 281.6 282.9 282.9 285.2 280.0 284.2 286.5 19 Nontransaction 1,019.1 1,084.2 1,091.4 1,093.7 1,103.0 1,113.6 1,119.4 1,136.6 1,140.0 1,134.6 1,131.9 1,140.5 20 Large time 188.3 196.5 199.7 198.3 196.3 199.2 200.9 205.0 204.6 204.9 205.7 206.0 21 Other 830.9 887.7 891.7 895.4 906.7 914.4 918.6 931.6 935.4 929.7 926.2 934.4 22 Borrowings 169.4 183.1 191.9 197.3 206.7 208.6 216.7 217.4 216.3 221.5 219.0 214.6 23 From banks in the U.S. 81.1 82.0 87.1 91.4 96.3 95.1 96.6 94.8 94.3 97.2 94.9 93.4 24 From others 88.3 101.1 104.8 105.9 110.4 113.5 120.0 122.6 121.9 124.3 124.1 121.2 25 Net due to related foreign offices 4.7 4.9 5.0 4.1 4.3 3.5 3.4 4.4 4.6 4.1 4.6 4.6 26 Other liabilities 27.8 31.1 31.3 31.9 31.4 32.9 33.5 33.9 33.4 33.3 33.9 36.4 27 TOTAL LIABILITIES 1,499.0 1,589.1 1,600.9 1,613.5 1,628.6 1,640.1 1,655.9 1,675.2 1,679.5 1,673.5 1,673.6 1,682.5 28 Residual (assets less liabilities) (7) 122.7 127.7 128.0 129.2 127.3 129.9 130.7 133.6 131.2 130.3 131.5 150.7 MEMO 31 Mortgage-backed securities (9) 51.4 64.9 68.7 69.9 70.4 70.1 70.6 72.8 73.3 72.5 72.5 72.2 ------------------------------------------------- Footnotes appear on page 13. H.8 (510) Page 11 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 618.4 549.5 539.3 531.8 519.9 523.1 518.1 517.9 515.8 516.9 519.6 519.3 2 Securities in bank credit 218.8 200.4 196.1 196.1 189.7 190.1 189.3 186.7 186.3 185.4 187.8 183.7 3 U.S. government securities 81.2 89.5 87.4 88.5 86.0 84.2 81.8 79.8 79.7 78.3 80.6 78.0 4 Other securities 137.5 110.9 108.7 107.6 103.7 105.9 107.5 106.9 106.6 107.1 107.3 105.7 5 Loans and leases in bank credit (2) 399.7 349.1 343.2 335.8 330.2 333.0 328.8 331.3 329.5 331.5 331.7 335.6 6 Commercial and industrial 223.7 209.5 202.1 196.9 192.8 195.5 197.2 199.0 198.9 200.1 198.9 198.5 7 Real estate 23.5 20.0 19.8 19.2 18.4 17.6 17.6 17.8 17.8 17.8 17.8 17.7 11 Security (3) 70.0 51.9 53.3 51.9 52.6 54.9 51.3 51.7 50.4 51.1 52.0 56.2 12 Other loans and leases 82.5 67.8 68.1 67.8 66.5 65.0 62.7 62.8 62.4 62.6 63.0 63.3 13 Interbank loans 25.6 25.4 26.6 24.5 27.4 25.7 22.9 22.9 21.2 21.4 26.2 24.6 14 Cash assets (4) 35.5 34.6 35.9 33.5 35.0 38.0 40.8 44.1 42.3 43.6 44.6 47.6 15 Other assets (5) 38.5 37.5 35.9 33.4 32.1 29.0 29.3 31.8 32.1 32.1 32.3 32.8 16 TOTAL ASSETS (6) 717.7 646.8 637.5 623.0 614.2 615.6 610.8 616.5 611.1 613.7 622.4 624.0 L I A B I L I T I E S 17 Deposits 316.1 311.9 310.4 305.7 310.5 309.2 311.1 331.3 328.8 333.3 336.0 341.1 18 Transaction 15.4 10.1 10.5 10.9 10.9 11.0 10.9 11.5 11.6 11.9 11.4 10.8 19 Nontransaction 300.7 301.8 299.9 294.8 299.5 298.2 300.3 319.8 317.3 321.4 324.6 330.4 22 Borrowings 215.8 172.1 172.7 180.9 172.3 172.1 168.9 169.6 168.0 169.8 170.2 175.2 23 From banks in the U.S. 30.8 21.0 21.4 26.6 24.5 23.6 25.3 22.8 19.9 22.7 22.5 27.6 24 From others 185.0 151.1 151.3 154.4 147.8 148.6 143.7 146.8 148.1 147.1 147.7 147.6 25 Net due to related foreign offices 105.7 94.8 85.2 69.4 67.3 72.0 66.1 54.7 52.3 50.9 50.4 54.8 26 Other liabilities 79.0 67.2 59.9 61.4 63.4 61.7 64.5 62.8 62.5 62.3 63.8 62.6 27 TOTAL LIABILITIES 716.5 645.9 628.3 617.5 613.5 615.0 610.7 618.3 611.6 616.3 620.4 633.8 28 Residual (assets less liabilities) (7) 1.2 0.8 9.2 5.5 0.8 0.6 0.1 -1.8 -0.5 -2.6 2.0 -9.8 ------------------------------------------------- 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 November 12, 1999 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 13 Oct 20 Oct 27 Nov 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 622.7 546.7 534.1 528.7 516.7 519.4 517.2 521.9 519.3 520.3 523.7 527.7 2 Securities in bank credit 221.9 198.8 194.4 195.2 188.1 188.8 188.7 189.3 189.0 187.6 191.7 189.2 3 U.S. government securities 81.2 89.2 88.1 88.9 85.5 83.2 80.9 79.7 79.3 78.4 81.0 79.0 3a Trading account 17.0 22.6 19.8 21.4 19.9 17.3 15.6 14.8 14.5 14.1 16.8 12.6 3b Investment account 64.2 66.6 68.4 67.4 65.6 65.9 65.3 64.9 64.8 64.3 64.3 66.3 4 Other securities 140.7 109.6 106.3 106.3 102.5 105.6 107.8 109.6 109.7 109.2 110.6 110.2 4a Trading account 91.7 66.5 64.8 63.3 60.9 65.2 70.0 71.8 72.3 70.9 73.0 72.3 4b Investment account 49.0 43.1 41.4 43.0 41.7 40.5 37.8 37.8 37.5 38.4 37.7 37.9 5 Loans and leases in bank credit (2) 400.8 347.8 339.7 333.6 328.7 330.6 328.5 332.5 330.3 332.7 332.0 338.5 6 Commercial and industrial 224.6 208.0 199.4 195.2 192.0 193.8 196.9 200.1 199.3 200.8 200.1 200.9 7 Real estate 23.8 19.7 19.6 19.0 18.2 17.5 17.6 18.0 18.0 17.9 17.9 17.9 11 Security (3) 69.8 51.8 53.0 52.2 52.2 55.0 51.4 51.4 50.4 50.8 51.0 56.1 12 Other loans and leases 82.7 68.3 67.7 67.3 66.3 64.3 62.6 63.1 62.6 63.2 63.0 63.6 13 Interbank loans 25.6 25.4 26.6 24.5 27.4 25.7 22.9 22.9 21.2 21.4 26.2 24.6 14 Cash assets (4) 35.9 33.5 35.6 34.3 34.9 37.7 40.6 44.7 42.7 44.4 45.7 48.4 15 Other assets (5) 38.3 35.7 35.2 32.4 31.4 29.6 29.7 31.7 32.2 31.9 31.8 32.8 16 TOTAL ASSETS (6) 722.2 641.0 631.2 619.7 610.2 612.1 610.0 621.0 615.0 617.7 627.1 633.2 L I A B I L I T I E S 17 Deposits 316.5 311.3 312.8 306.4 308.0 306.6 310.7 331.3 328.0 332.6 337.3 340.5 18 Transaction 15.3 9.9 10.3 10.7 10.8 10.9 11.4 11.5 11.6 11.9 11.4 10.9 19 Nontransaction 301.2 301.4 302.5 295.7 297.2 295.7 299.3 319.8 316.5 320.6 325.9 329.6 22 Borrowings 215.8 172.1 172.7 180.9 172.3 172.1 168.9 169.6 168.0 169.8 170.2 175.2 23 From banks in the U.S. 30.8 21.0 21.4 26.6 24.5 23.6 25.3 22.8 19.9 22.7 22.5 27.6 24 From others 185.0 151.1 151.3 154.4 147.8 148.6 143.7 146.8 148.1 147.1 147.7 147.6 25 Net due to related foreign offices 107.9 89.2 83.4 68.1 64.8 69.8 64.5 56.4 54.7 52.2 55.5 55.5 26 Other liabilities 78.3 66.1 59.4 61.0 62.5 61.8 64.1 62.2 61.7 61.5 63.7 62.5 27 TOTAL LIABILITIES 718.5 638.7 628.2 616.4 607.6 610.4 608.3 619.5 612.4 616.1 626.7 633.7 28 Residual (assets less liabilities) (7) 3.7 2.3 2.9 3.3 2.7 1.7 1.8 1.4 2.7 1.7 0.4 -0.5 MEMO 29 Reval. gains on off-bal. sheet items (8) 51.9 38.2 35.3 34.9 37.3 38.1 38.3 35.9 36.3 35.7 36.1 35.1 30 Reval. losses on off-bal. sheet items (8) 47.5 38.6 34.8 34.1 36.3 36.3 37.3 35.2 35.3 34.8 36.0 35.1 ------------------------------------------------- Footnotes appear on page 13. H.8 (510) Footnotes Page 13 November 12, 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.