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: March 24, 2000

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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                                                                                                                            March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 


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

             A S S E T S




  1   Bank credit                                        4,520.0   4,583.3   4,607.7   4,639.5   4,702.8   4,781.4   4,788.5   4,810.1       4,818.5   4,833.5   4,836.2   4,836.9

  2     Securities in bank credit                        1,204.7   1,242.9   1,247.1   1,256.2   1,250.3   1,268.6   1,260.1   1,251.0       1,256.2   1,253.4   1,255.5   1,259.5
  3        U.S. government securities                      793.3     820.2     817.8     813.8     799.0     803.7     805.2     800.7         803.0     805.3     802.8     807.3
  4        Other securities                                411.4     422.7     429.3     442.4     451.3     464.9     454.9     450.3         453.2     448.1     452.7     452.2

  5     Loans and leases in bank credit (2)              3,315.3   3,340.4   3,360.6   3,383.3   3,452.5   3,512.8   3,528.4   3,559.2       3,562.3   3,580.1   3,580.7   3,577.5
  6        Commercial and industrial                       950.6     972.3     980.3     986.0   1,004.1   1,006.9   1,008.9   1,022.3       1,024.9   1,024.4   1,025.1   1,032.7
  7        Real estate                                   1,348.0   1,380.2   1,396.5   1,420.5   1,434.5   1,472.0   1,489.3   1,504.2       1,506.7   1,514.2   1,513.9   1,520.1
  8          Revolving home equity                         102.7      99.6      99.4     100.3     101.8     107.3     110.7     112.6         112.9     113.3     113.4     113.9
  9          Other                                       1,245.2   1,280.6   1,297.1   1,320.2   1,332.6   1,364.7   1,378.6   1,391.6       1,393.7   1,400.9   1,400.5   1,406.2
  10       Consumer                                        498.3     479.3     480.2     478.7     482.2     492.6     499.2     503.9         504.3     505.1     505.2     505.9
  11       Security (3)                                    139.0     122.4     116.2     111.2     134.1     155.6     147.1     144.6         143.5     150.1     152.6     130.7
  12       Other loans and leases                          379.4     386.2     387.5     386.9     397.5     385.7     384.0     384.2         382.9     386.3     383.9     388.0

  13  Interbank loans                                      227.9     215.1     208.2     222.6     219.1     223.7     220.7     235.5         239.6     237.9     235.7     234.3

  14  Cash assets (4)                                      254.6     253.8     264.0     270.1     276.2     290.5     283.3     280.9         285.7     292.4     278.2     272.1

  15  Other assets (5)                                     355.8     343.8     354.0     358.2     366.2     372.3     387.3     395.0         406.0     396.7     404.6     421.8

  16  TOTAL ASSETS (6)                                   5,300.0   5,337.3   5,374.7   5,431.3   5,504.9   5,608.0   5,620.6   5,662.4       5,690.7   5,701.3   5,695.2   5,705.7

            L I A B I L I T I E S

  17  Deposits                                           3,378.7   3,384.4   3,394.3   3,434.8   3,482.2   3,533.3   3,547.2   3,572.9       3,575.3   3,604.5   3,566.0   3,588.6
  18    Transaction                                        655.7     635.9     634.0     630.4     623.3     630.2     621.5     621.2         638.8     628.3     599.7     622.8
  19    Nontransaction                                   2,723.0   2,748.4   2,760.3   2,804.5   2,859.0   2,903.1   2,925.7   2,951.6       2,936.6   2,976.2   2,966.2   2,965.7
  20       Large time                                      732.2     718.0     727.7     766.0     806.3     836.7     847.4     853.4         851.3     857.2     855.8     849.7
  21       Other                                         1,990.8   2,030.5   2,032.5   2,038.4   2,052.6   2,066.5   2,078.2   2,098.2       2,085.3   2,119.0   2,110.4   2,116.0

  22  Borrowings                                           994.6   1,028.0   1,047.1   1,045.2   1,061.6   1,123.6   1,130.5   1,129.5       1,144.6   1,141.4   1,166.2   1,152.7
  23    From banks in the U.S.                             314.1     336.4     340.4     347.6     349.2     346.2     358.6     367.5         369.2     371.7     372.0     384.7
  24    From others                                        680.5     691.6     706.7     697.6     712.3     777.4     771.9     762.0         775.4     769.7     794.1     768.0

  25  Net due to related foreign offices                   206.6     222.5     218.3     219.8     226.2     221.5     227.9     233.0         222.1     240.2     238.6     237.4

  26  Other liabilities                                    294.3     279.0     282.0     291.5     297.1     298.8     284.4     290.3         291.9     279.7     288.0     271.3

  27  TOTAL LIABILITIES                                  4,874.2   4,913.9   4,941.6   4,991.3   5,067.0   5,177.3   5,189.9   5,225.7       5,233.9   5,265.8   5,258.7   5,249.9

  28  Residual (assets less liabilities) (7)               425.9     423.4     433.0     439.9     437.9     430.7     430.6     436.7         456.7     435.6     436.5     455.9



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

  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                                                                                                                        March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,517.5   4,562.3   4,597.8   4,643.9   4,716.8   4,797.7   4,798.7   4,806.2       4,802.3   4,835.6   4,836.2   4,836.1

  2     Securities in bank credit                        1,210.1   1,230.0   1,235.9   1,252.7   1,256.8   1,272.6   1,265.1   1,257.6       1,259.6   1,261.3   1,264.8   1,267.0
  3        U.S. government securities                      797.5     808.4     807.6     808.2     801.2     805.0     806.5     805.9         807.1     811.5     810.2     813.8
  4        Other securities                                412.6     421.6     428.3     444.5     455.6     467.7     458.6     451.6         452.5     449.8     454.6     453.1

  5     Loans and leases in bank credit (2)              3,307.4   3,332.3   3,361.9   3,391.3   3,460.1   3,525.1   3,533.6   3,548.6       3,542.7   3,574.3   3,571.4   3,569.1
  6        Commercial and industrial                       952.1     963.6     976.4     987.0   1,004.2   1,005.9   1,007.0   1,022.4       1,023.6   1,028.4   1,026.2   1,036.2
  7        Real estate                                   1,342.2   1,382.8   1,400.1   1,424.2   1,439.2   1,474.5   1,488.7   1,497.7       1,496.0   1,505.4   1,507.7   1,512.9
  8          Revolving home equity                         102.3      99.8     100.2     101.0     102.7     107.7     110.7     112.0         112.2     112.6     112.6     113.0
  9          Other                                       1,239.9   1,283.0   1,300.0   1,323.2   1,336.5   1,366.8   1,378.0   1,385.7       1,383.8   1,392.9   1,395.0   1,399.8
  10       Consumer                                        498.1     480.4     483.1     479.4     482.5     497.5     505.0     503.5         503.2     502.5     500.7     501.4
  11       Security (3)                                    138.6     118.7     112.8     112.0     135.5     157.8     147.0     143.5         141.5     153.9     156.9     135.2
  12       Other loans and leases                          376.3     386.7     389.4     388.6     398.7     389.4     386.0     381.4         378.4     384.2     380.0     383.4

  13  Interbank loans                                      227.7     207.4     204.7     219.2     225.9     230.3     222.1     235.0         234.4     241.5     240.8     238.0

  14  Cash assets (4)                                      255.7     243.4     261.3     270.4     283.5     307.2     296.8     281.5         295.1     291.2     269.0     269.1

  15  Other assets (5)                                     352.5     346.6     356.0     355.6     364.7     373.1     379.2     391.3         400.0     396.3     398.9     412.2

  16  TOTAL ASSETS (6)                                   5,295.2   5,300.7   5,360.3   5,430.0   5,531.4   5,648.5   5,637.8   5,654.9       5,672.8   5,705.3   5,685.5   5,695.9

            L I A B I L I T I E S

  17  Deposits                                           3,355.7   3,370.5   3,392.9   3,437.4   3,508.6   3,565.6   3,544.8   3,548.3       3,541.1   3,590.3   3,562.6   3,582.7
  18    Transaction                                        650.8     619.6     628.2     622.2     632.9     662.7     635.6     615.3         629.7     626.6     595.0     620.2
  19    Nontransaction                                   2,704.9   2,750.8   2,764.7   2,815.2   2,875.7   2,902.9   2,909.3   2,933.0       2,911.5   2,963.7   2,967.6   2,962.5
  20       Large time                                      732.9     715.3     729.2     767.6     811.5     842.5     845.3     854.2         852.2     861.1     859.0     852.6
  21       Other                                         1,972.0   2,035.5   2,035.5   2,047.6   2,064.2   2,060.4   2,064.0   2,078.9       2,059.2   2,102.6   2,108.5   2,109.9

  22  Borrowings                                           997.3   1,004.6   1,042.0   1,048.4   1,068.7   1,125.8   1,147.8   1,130.5       1,142.0   1,136.8   1,147.5   1,145.1
  23    From banks in the U.S.                             314.4     329.3     336.7     345.3     353.5     352.3     363.9     367.7         368.6     371.1     368.3     383.7
  24    From others                                        682.8     675.2     705.3     703.2     715.2     773.5     783.8     762.9         773.3     765.8     779.2     761.3

  25  Net due to related foreign offices                   216.2     217.4     214.3     221.5     227.9     227.2     230.8     245.7         248.4     247.7     234.1     234.1

  26  Other liabilities                                    296.7     278.9     280.9     290.0     297.2     299.6     285.3     293.0         294.4     282.3     289.9     272.3

  27  TOTAL LIABILITIES                                  4,865.9   4,871.4   4,930.1   4,997.3   5,102.5   5,218.2   5,208.7   5,217.5       5,225.9   5,257.2   5,234.0   5,234.2

  28  Residual (assets less liabilities) (7)               429.3     429.3     430.2     432.7     428.9     430.3     429.1     437.5         446.9     448.2     451.5     461.8

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)             107.3      96.5      98.5     100.1      99.9     103.9     100.6     104.1         104.8     101.3     107.5     104.4
  30  Reval. losses on off-bal. sheet items (8)            106.2      98.7      97.2      97.8      98.9     102.3      99.3     104.1         104.9     100.2     105.0     100.9



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

  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                                                                                                                            March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,955.8   4,059.6   4,088.7   4,109.8   4,154.6   4,225.5   4,241.6   4,272.8       4,283.2   4,287.6   4,297.7   4,309.2

  2     Securities in bank credit                        1,002.6   1,052.9   1,057.7   1,060.9   1,051.4   1,062.0   1,061.5   1,064.2       1,070.9   1,064.6   1,067.2   1,080.5
  3        U.S. government securities                      708.5     736.2     736.1     731.4     719.5     722.1     726.1     727.6         731.5     732.1     727.6     735.7
  4        Other securities                                294.0     316.7     321.5     329.5     331.9     339.9     335.4     336.6         339.4     332.5     339.7     344.8

  5     Loans and leases in bank credit (2)              2,953.2   3,006.6   3,031.1   3,048.9   3,103.3   3,163.6   3,180.1   3,208.6       3,212.3   3,223.1   3,230.5   3,228.7
  6        Commercial and industrial                       739.7     776.9     783.2     787.2     804.2     812.3     814.6     825.1         826.7     825.6     826.3     831.9
  7        Real estate                                   1,327.2   1,362.7   1,379.0   1,403.1   1,417.5   1,455.2   1,472.2   1,486.9       1,489.3   1,496.8   1,496.4   1,502.4
  8          Revolving home equity                         102.7      99.6      99.4     100.3     101.8     107.3     110.7     112.6         112.9     113.3     113.4     113.9
  9          Other                                       1,224.4   1,263.1   1,279.6   1,302.8   1,315.7   1,347.9   1,361.6   1,374.4       1,376.4   1,383.5   1,383.0   1,388.5
  10       Consumer                                        498.3     479.3     480.2     478.7     482.2     492.6     499.2     503.9         504.3     505.1     505.2     505.9
  11       Security (3)                                     79.3      67.5      64.8      56.2      68.8      88.6      80.2      77.8          79.1      77.8      87.7      68.4
  12       Other loans and leases                          308.7     320.3     323.9     323.6     330.5     315.0     313.9     314.8         312.9     317.8     314.9     320.1

  13  Interbank loans                                      196.5     189.4     185.3     197.1     193.9     195.4     191.4     202.2         205.6     208.0     207.1     206.8

  14  Cash assets (4)                                      220.0     214.3     221.6     225.2     225.2     235.2     229.5     229.0         232.8     240.6     227.9     222.3

  15  Other assets (5)                                     318.4     314.8     324.7     326.6     331.7     335.1     348.1     356.5         367.2     358.7     366.1     383.0

  16  TOTAL ASSETS (6)                                   4,632.5   4,719.6   4,761.3   4,799.8   4,846.3   4,931.6   4,951.6   5,001.7       5,030.0   5,036.0   5,039.6   5,062.3

            L I A B I L I T I E S

  17  Deposits                                           3,056.3   3,075.4   3,083.5   3,106.0   3,124.0   3,155.4   3,161.1   3,188.7       3,192.0   3,219.9   3,183.4   3,212.0
  18    Transaction                                        643.8     624.9     623.2     619.7     612.7     619.4     611.1     610.6         628.2     617.8     589.7     611.7
  19    Nontransaction                                   2,412.5   2,450.4   2,460.3   2,486.2   2,511.3   2,535.9   2,550.0   2,578.1       2,563.8   2,602.1   2,593.8   2,600.3
  20       Large time                                      423.1     423.9     433.0     449.7     460.6     470.3     473.1     481.3         480.4     484.7     484.5     485.3
  21       Other                                         1,989.4   2,026.5   2,027.4   2,036.6   2,050.7   2,065.6   2,076.9   2,096.8       2,083.4   2,117.3   2,109.3   2,115.0

  22  Borrowings                                           811.9     853.5     875.9     868.2     874.8     942.0     948.9     951.9         968.3     958.3     982.8     973.2
  23    From banks in the U.S.                             296.0     312.9     315.3     325.7     323.2     321.7     336.6     347.0         349.3     351.0     348.7     359.2
  24    From others                                        515.9     540.6     560.6     542.5     551.6     620.3     612.3     604.9         619.0     607.3     634.1     614.0

  25  Net due to related foreign offices                   117.3     150.4     152.1     166.3     182.2     182.5     194.4     209.4         202.8     219.0     219.3     219.9

  26  Other liabilities                                    224.2     217.5     217.6     226.1     230.2     228.8     215.1     219.4         221.2     208.1     217.0     203.9

  27  TOTAL LIABILITIES                                  4,209.7   4,296.8   4,329.1   4,366.5   4,411.3   4,508.6   4,519.4   4,569.3       4,584.3   4,605.3   4,602.5   4,609.0

  28  Residual (assets less liabilities) (7)               422.8     422.8     432.2     433.3     435.0     423.0     432.1     432.4         445.7     430.7     437.1     453.3



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

  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                                                                                                                        March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,949.7   4,042.2   4,079.7   4,110.3   4,165.6   4,238.6   4,248.3   4,265.6       4,267.1   4,284.5   4,295.1   4,305.4

  2     Securities in bank credit                        1,006.4   1,041.3   1,047.2   1,054.7   1,054.7   1,066.9   1,065.9   1,069.1       1,074.3   1,069.8   1,073.9   1,085.3
  3        U.S. government securities                      712.4     725.4     726.9     725.8     721.3     723.1     727.6     732.4         735.2     737.5     734.2     740.7
  4        Other securities                                294.0     315.9     320.3     328.9     333.4     343.9     338.3     336.8         339.1     332.3     339.7     344.6

  5     Loans and leases in bank credit (2)              2,943.3   3,000.9   3,032.5   3,055.6   3,110.9   3,171.7   3,182.3   3,196.5       3,192.8   3,214.7   3,221.2   3,220.1
  6        Commercial and industrial                       739.3     770.0     779.6     787.2     803.0     808.6     811.0     823.7         824.2     828.0     827.6     835.1
  7        Real estate                                   1,321.1   1,365.4   1,382.6   1,406.6   1,422.1   1,457.6   1,471.5   1,480.1       1,478.3   1,487.8   1,489.9   1,495.0
  8          Revolving home equity                         102.3      99.8     100.2     101.0     102.7     107.7     110.7     112.0         112.2     112.6     112.6     113.0
  9          Other                                       1,218.7   1,265.6   1,282.5   1,305.6   1,319.4   1,349.9   1,360.8   1,368.1       1,366.1   1,375.2   1,377.3   1,382.0
  10       Consumer                                        498.1     480.4     483.1     479.4     482.5     497.5     505.0     503.5         503.2     502.5     500.7     501.4
  11       Security (3)                                     79.3      63.7      61.2      57.4      71.0      90.3      80.1      77.3          78.1      80.8      91.5      72.1
  12       Other loans and leases                          305.4     321.5     325.9     325.0     332.3     317.7     314.8     311.8         309.0     315.7     311.5     316.5

  13  Interbank loans                                      196.2     181.7     181.7     193.7     200.7     202.1     192.7     201.7         200.5     211.5     212.2     210.5

  14  Cash assets (4)                                      221.7     204.3     219.1     224.9     231.6     249.5     242.3     230.8         243.7     241.0     220.6     220.9

  15  Other assets (5)                                     313.9     317.0     326.3     324.1     330.0     334.5     339.7     351.8         360.6     356.8     358.4     372.3

  16  TOTAL ASSETS (6)                                   4,623.7   4,686.5   4,747.8   4,794.2   4,868.7   4,965.1   4,964.3   4,991.2       5,013.2   5,034.9   5,027.0   5,050.0

            L I A B I L I T I E S

  17  Deposits                                           3,034.6   3,064.1   3,082.5   3,108.5   3,151.0   3,183.4   3,162.0   3,165.4       3,158.2   3,203.8   3,178.6   3,202.4
  18    Transaction                                        639.2     608.7     616.8     611.5     622.5     651.6     625.1     604.8         619.2     616.4     585.1     609.1
  19    Nontransaction                                   2,395.4   2,455.3   2,465.7   2,496.9   2,528.5   2,531.7   2,536.8   2,560.5       2,539.0   2,587.4   2,593.6   2,593.3
  20       Large time                                      425.6     422.1     432.5     451.7     466.6     473.6     475.1     483.9         482.0     487.2     487.3     485.8
  21       Other                                         1,969.8   2,033.2   2,033.2   2,045.3   2,061.9   2,058.1   2,061.7   2,076.6       2,056.9   2,100.3   2,106.2   2,107.6

  22  Borrowings                                           814.5     830.0     870.8     871.5     882.0     944.1     966.1     952.9         965.6     953.7     964.1     965.6
  23    From banks in the U.S.                             296.4     305.8     311.6     323.4     327.6     327.7     341.9     347.2         348.7     350.4     344.9     358.3
  24    From others                                        518.2     524.2     559.2     548.1     554.4     616.4     624.2     605.8         616.9     603.3     619.2     607.3

  25  Net due to related foreign offices                   123.4     147.5     149.8     166.2     181.2     183.0     195.4     219.1         224.1     224.3     219.4     219.4

  26  Other liabilities                                    225.0     217.3     216.9     225.2     229.5     228.1     215.8     220.4         222.2     209.1     218.0     204.6

  27  TOTAL LIABILITIES                                  4,197.6   4,258.9   4,320.0   4,371.3   4,443.7   4,538.6   4,539.3   4,557.8       4,570.1   4,590.9   4,580.0   4,591.9

  28  Residual (assets less liabilities) (7)               426.1     427.7     427.8     422.8     425.0     426.5     425.0     433.4         443.1     444.0     446.9     458.0

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              64.9      58.4      60.1      60.9      59.8      64.5      62.7      64.8          66.3      61.1      66.8      66.7
  30  Reval. losses on off-bal. sheet items (8)             65.4      62.5      59.8      60.0      59.8      63.9      61.8      64.3          66.0      59.8      64.4      63.9
  31  Mortgage-backed securities (9)                       342.1     343.7     346.5     346.6     348.1     347.7     347.7     347.6         349.9     351.2     351.0     354.5



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

  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                                                                                                      March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,482.9   2,509.8   2,525.6   2,524.6   2,566.1   2,625.8   2,626.4   2,640.7       2,647.0   2,646.0   2,657.3   2,660.5

  2     Securities in bank credit                          571.8     597.9     601.0     601.9     598.0     610.8     607.2     605.8         611.0     603.8     608.6     621.3
  3        U.S. government securities                      387.7     399.4     397.7     391.6     385.6     392.1     391.7     388.5         391.3     390.7     388.3     396.4
  3a         Trading account                                17.9      23.3      20.9      20.0      18.0      19.4      21.4      22.3          23.0      20.8      18.8      20.8
  3b         Investment account                            369.8     376.2     376.8     371.6     367.6     372.7     370.3     366.1         368.3     369.8     369.5     375.6
  4        Other securities                                184.2     198.5     203.3     210.3     212.4     218.7     215.5     217.4         219.7     213.2     220.3     225.0
  4a         Trading account                                87.5      77.5      78.1      81.7      82.4      87.1      81.8      86.2          87.9      82.0      88.9      92.8
  4b         Investment account                             96.7     121.0     125.2     128.5     129.9     131.7     133.7     131.2         131.8     131.2     131.4     132.2
  4c           State and local government                   24.7      25.7      25.7      25.8      26.4      26.4      26.7      26.9          26.8      26.8      27.0      26.9
  4d           Other                                        72.0      95.3      99.5     102.7     103.5     105.3     107.0     104.3         105.0     104.3     104.4     105.3

  5     Loans and leases in bank credit (2)              1,911.1   1,911.9   1,924.6   1,922.7   1,968.1   2,015.0   2,019.2   2,034.9       2,035.9   2,042.2   2,048.8   2,039.2
  6        Commercial and industrial                       548.9     573.4     576.8     574.6     589.5     595.8     595.2     603.3         604.3     602.9     602.1     606.3
  6a         Bankers acceptances                             1.2       1.1       1.2       1.1       1.1       1.1       1.1       1.0           1.0       1.0       1.0       1.0
  6b         Other                                         547.8     572.3     575.6     573.5     588.4     594.7     594.2     602.3         603.3     601.9     601.1     605.3
  7        Real estate                                     739.7     738.4     749.7     760.6     769.1     800.8     811.3     817.0         817.6     822.2     823.1     824.1
  8          Revolving home equity                          74.0      69.4      69.2      69.2      70.6      75.5      78.2      79.5          79.7      80.0      80.2      80.5
  9          Other                                         665.7     669.0     680.6     691.3     698.5     725.3     733.2     737.5         737.9     742.2     742.9     743.6
  10       Consumer                                        308.8     284.8     282.8     281.6     285.5     291.1     294.9     298.8         298.5     298.9     299.1     299.0
  11       Security (3)                                     74.0      62.6      59.8      51.3      63.3      83.2      75.0      72.5          73.9      72.4      82.2      63.1
  11a        Fed funds and RPs with broker/dealer           58.0      45.4      42.2      34.2      45.2      63.4      53.9      49.1          51.0      49.8      59.7      39.7
  11b        Other                                          16.1      17.2      17.6      17.0      18.1      19.8      21.1      23.4          22.9      22.5      22.5      23.4
  12a      State and local government                       11.6      12.2      12.3      12.3      12.2      12.1      12.3      12.4          12.4      12.4      12.5      12.7
  12b      Agricultural                                      9.2       8.9       9.2       9.6       9.6       9.6       9.8      10.1          10.1      10.1      10.0      10.1
  12c      Fed funds and RPs with others                    12.8       7.9      11.2      10.0      12.3      11.8      11.2      11.3          11.6      11.9      12.8      10.9
  12d      All other loans                                  92.5     100.4      98.0      95.6      97.5      80.5      79.3      79.7          78.1      82.2      77.7      82.8
  12e      Lease financing receivables                     113.5     123.4     124.7     127.0     129.2     130.1     130.1     129.8         129.4     129.2     129.2     130.2

  13  Interbank loans                                      135.7     138.4     136.5     149.9     141.6     141.8     138.9     146.8         150.2     152.7     154.3     153.4
  13a   Fed funds and RPs with banks                        84.9      86.7      83.8      92.4      73.8      70.9      66.0      73.2          75.3      81.5      83.1      84.1
  13b   Other                                               50.9      51.7      52.7      57.6      67.8      70.9      72.8      73.6          74.9      71.2      71.2      69.3

  14  Cash assets (4)                                      152.9     143.5     150.2     154.3     153.2     159.8     160.5     160.9         162.7     170.0     160.6     156.3

  15  Other assets (5)                                     248.7     236.5     246.7     244.4     250.3     252.6     261.2     272.2         282.4     273.8     281.0     288.3

  16  TOTAL ASSETS (6)                                   2,981.2   2,989.5   3,020.0   3,034.2   3,072.1   3,140.6   3,148.5   3,182.5       3,204.1   3,204.5   3,215.1   3,220.5



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

  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)                                                                                          March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,725.4   1,709.7   1,715.8   1,716.7   1,724.4   1,738.3   1,734.0   1,744.5       1,741.7   1,766.3   1,740.4   1,761.4
  18    Transaction                                        365.2     342.8     343.7     340.1     335.7     343.5     337.2     335.0         344.6     341.6     320.7     340.6
  19    Nontransaction                                   1,360.2   1,366.9   1,372.0   1,376.6   1,388.7   1,394.9   1,396.8   1,409.6       1,397.1   1,424.7   1,419.7   1,420.8
  20       Large time                                      233.8     227.7     235.5     245.7     252.7     260.4     261.7     265.9         264.3     268.0     266.9     267.6
  21       Other                                         1,126.4   1,139.2   1,136.5   1,131.0   1,136.0   1,134.4   1,135.0   1,143.6       1,132.9   1,156.6   1,152.8   1,153.2

  22  Borrowings                                           640.2     653.8     671.4     667.5     675.5     735.9     735.7     735.6         749.9     735.8     758.9     746.8
  23    From banks in the U.S.                             216.3     220.2     222.3     238.7     238.4     237.6     250.6     260.4         263.5     259.5     257.9     266.4
  24    From others                                        423.9     433.7     449.0     428.8     437.1     498.3     485.1     475.3         486.4     476.3     501.0     480.5

  25  Net due to related foreign offices                   114.1     147.0     148.7     162.0     177.7     178.0     189.3     204.1         197.3     213.7     213.8     214.4

  26  Other liabilities                                    195.5     184.9     183.9     191.1     195.5     193.7     181.5     183.6         184.9     174.0     182.8     168.9

  27  TOTAL LIABILITIES                                  2,675.1   2,695.4   2,719.8   2,737.3   2,773.0   2,845.9   2,840.5   2,867.9       2,873.7   2,889.7   2,895.9   2,891.4

  28  Residual (assets less liabilities) (7)               306.1     294.1     300.3     296.9     299.0     294.7     307.9     314.6         330.4     314.8     319.2     329.1



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

  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                                                                                                  March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,487.6   2,490.3   2,513.4   2,526.3   2,580.0   2,640.8   2,640.0   2,645.0       2,643.5   2,654.0   2,664.7   2,664.5

  2     Securities in bank credit                          577.9     587.9     592.8     598.8     603.5     615.9     612.1     612.8         616.9     610.9     615.7     625.3
  3        U.S. government securities                      393.1     390.4     390.3     389.0     389.7     393.0     393.7     394.7         396.8     397.6     395.1     400.3
  3a         Trading account                                18.6      22.2      20.7      20.8      19.9      20.0      21.7      23.2          23.5      22.7      21.3      22.5
  3b         Investment account                            374.5     368.3     369.6     368.2     369.7     373.0     372.0     371.6         373.2     374.9     373.8     377.8
  3c           Mortgage-backed                             258.2     243.1     246.3     244.3     244.7     244.5     242.8     243.2         245.7     246.1     245.9     249.7
  3d           Other                                       116.3     125.2     123.3     123.8     125.0     128.5     129.2     128.4         127.6     128.8     128.0     128.1
  3e             1 year or less                             26.6      25.2      24.8      25.6      23.9      25.2      26.1      30.3          30.2      33.0      32.8      32.5
  3f             Between 1 and 5 years                      48.6      59.9      59.1      59.9      60.6      61.6      61.2      58.0          57.6      56.6      56.2      56.4
  3g             More than 5 years                          41.1      40.0      39.4      38.3      40.4      41.7      41.9      40.1          39.8      39.2      39.0      39.2
  4        Other securities                                184.8     197.4     202.6     209.8     213.9     222.9     218.5     218.0         220.1     213.3     220.6     225.0
  4a         Trading account                                87.5      77.5      78.1      81.7      82.4      87.1      81.8      86.2          87.9      82.0      88.9      92.8
  4b         Investment account                             97.3     120.0     124.5     128.1     131.5     135.8     136.7     131.9         132.1     131.3     131.6     132.2
  4c           State and local government                   24.8      25.4      25.6      25.9      26.6      26.6      26.9      27.0          26.9      26.9      27.0      26.9
  4d           Other                                        72.5      94.6      98.9     102.2     104.9     109.2     109.7     104.9         105.2     104.4     104.6     105.4

  5     Loans and leases in bank credit (2)              1,909.7   1,902.5   1,920.6   1,927.5   1,976.5   2,024.9   2,027.8   2,032.2       2,026.6   2,043.1   2,049.1   2,039.2
  6        Commercial and industrial                       548.9     567.6     574.3     576.1     589.8     593.1     592.5     602.3         602.2     605.2     603.3     609.0
  6a         Bankers acceptances                             1.2       1.1       1.2       1.1       1.1       1.1       1.1       1.0           1.0       1.0       1.0       1.0
  6b         Other                                         547.7     566.6     573.2     575.0     588.7     592.0     591.4     601.3         601.2     604.2     602.3     608.0
  7        Real estate                                     738.4     739.0     750.0     762.6     773.2     805.1     814.6     815.4         812.2     818.3     821.4     821.3
  8          Revolving home equity                          73.7      69.7      69.6      69.8      71.2      75.7      78.2      79.1          79.1      79.4      79.5      79.7
  9a         Other residential                             408.8     408.4     413.3     419.7     426.0     450.3     453.5     451.7         448.3     453.3     456.7     455.5
  9b         Commercial                                    255.9     260.9     267.1     273.1     276.1     279.1     282.9     284.6         284.8     285.6     285.2     286.0
  10       Consumer                                        309.2     285.3     284.7     281.6     285.3     294.2     300.0     299.3         298.4     297.9     296.9     296.5
  11       Security (3)                                     74.1      58.8      56.3      52.4      65.5      84.9      74.9      72.0          72.9      75.3      86.0      66.8
  11a        Fed funds and RPs with broker/dealer           58.5      41.9      38.9      35.3      47.5      64.6      54.5      49.6          50.5      52.5      63.8      43.2
  11b        Other                                          15.6      16.9      17.4      17.1      18.0      20.2      20.4      22.5          22.4      22.9      22.2      23.6
  12a      State and local government                       11.7      12.3      12.4      12.4      12.3      12.2      12.3      12.4          12.4      12.4      12.5      12.7
  12b      Agricultural                                      8.8       9.1       9.5       9.8       9.6       9.6       9.8       9.7           9.7       9.7       9.7       9.7
  12c      Fed funds and RPs with others                    12.8       7.9      11.2      10.0      12.3      11.8      11.2      11.3          11.6      11.9      12.8      10.9
  12d      All other loans                                  91.1      99.6      98.6      96.6     100.7      84.5      80.5      78.6          76.4      81.8      76.0      81.1
  12e      Lease financing receivables                     114.8     122.8     123.5     126.1     127.8     129.5     132.1     131.2         130.8     130.5     130.4     131.3

  13  Interbank loans                                      135.5     133.3     134.2     145.4     142.3     144.4     140.3     146.6         147.8     154.3     154.0     154.8
  13a   Fed funds and RPs with banks                        85.5      81.8      81.9      88.6      76.6      74.6      68.9      74.0          73.3      83.7      83.1      84.0
  13b   Other                                               50.1      51.5      52.3      56.7      65.6      69.8      71.3      72.6          74.5      70.6      70.9      70.8

  14  Cash assets (4)                                      153.6     136.7     149.0     154.8     157.4     170.5     170.2     161.5         171.0     169.0     153.9     154.8

  15  Other assets (5)                                     245.6     238.0     248.0     241.8     246.9     252.0     256.3     269.1         276.9     272.9     274.6     282.1

  16  TOTAL ASSETS (6)                                   2,983.4   2,959.3   3,005.3   3,029.4   3,087.4   3,168.4   3,168.7   3,184.2       3,201.4   3,212.2   3,209.0   3,218.1



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

  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)                                                                                      March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,721.2   1,699.8   1,711.8   1,715.4   1,738.7   1,761.7   1,743.1   1,738.7       1,729.5   1,765.2   1,742.6   1,762.5
  18    Transaction                                        362.3     333.5     340.3     334.9     341.8     365.2     347.2     330.9         339.1     339.7     314.6     338.1
  19    Nontransaction                                   1,358.9   1,366.3   1,371.4   1,380.4   1,396.9   1,396.5   1,395.9   1,407.8       1,390.4   1,425.4   1,428.0   1,424.4
  20       Large time                                      236.2     225.9     235.1     247.7     258.7     263.7     263.8     268.5         266.0     270.4     269.7     268.0
  21       Other                                         1,122.7   1,140.4   1,136.4   1,132.7   1,138.1   1,132.8   1,132.2   1,139.3       1,124.4   1,155.0   1,158.2   1,156.4

  22  Borrowings                                           645.4     630.3     663.6     667.9     680.4     736.1     752.8     739.8         750.2     736.2     749.5     746.7
  23    From banks in the U.S.                             217.8     213.8     218.2     234.5     240.9     241.6     255.2     261.8         263.9     260.9     257.8     268.3
  24    From others                                        427.6     416.5     445.5     433.4     439.5     494.4     497.6     478.0         486.3     475.3     491.7     478.4

  25  Net due to related foreign offices                   120.2     144.0     146.4     161.9     176.7     178.6     190.4     213.9         218.6     218.9     213.9     213.9

  26  Other liabilities                                    195.5     184.9     183.9     191.1     195.5     193.7     181.5     183.6         184.9     174.0     182.8     168.9

  27  TOTAL LIABILITIES                                  2,682.3   2,659.0   2,705.6   2,736.3   2,791.3   2,870.1   2,867.7   2,876.0       2,883.2   2,894.3   2,888.7   2,891.9

  28  Residual (assets less liabilities) (7)               301.1     300.3     299.7     293.1     296.1     298.4     300.9     308.3         318.2     317.9     320.3     326.2

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              64.9      58.4      60.1      60.9      59.8      64.5      62.7      64.8          66.3      61.1      66.8      66.7
  30  Reval. losses on off-bal. sheet items (8)             65.4      62.5      59.8      60.0      59.8      63.9      61.8      64.3          66.0      59.8      64.4      63.9
  31  Mortgage-backed securities (9)                       286.6     278.6     281.0     279.4     282.1     282.1     279.8     278.4         280.4     280.9     280.6     284.1
  31a   Pass-through                                       191.4     186.8     185.4     184.8     187.9     188.8     187.9     190.3         192.4     192.8     192.6     192.4
  31b   CMO, REMIC, and other                               95.2      91.7      95.6      94.6      94.2      93.2      92.0      88.2          88.0      88.1      88.0      91.6
  32  Net unrealized gains (losses) on                       2.3      -4.2      -4.9      -5.6      -5.8      -6.0      -7.4      -7.8          -7.8      -7.7      -7.4      -7.4
        available-for-sale securities (10)
  33  Offshore credit to U.S. residents (11)                38.9      32.2      27.8      26.7      24.8      24.0      23.2      23.6          23.9      23.5      23.9      23.9



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

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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                                                                                                      March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,472.8   1,549.8   1,563.1   1,585.2   1,588.6   1,599.8   1,615.3   1,632.0       1,636.2   1,641.6   1,640.4   1,648.7

  2     Securities in bank credit                          430.7     455.0     456.7     459.0     453.4     451.2     454.3     458.4         459.9     460.7     458.6     459.1
  3        U.S. government securities                      320.9     336.8     338.5     339.8     333.9     330.0     334.4     339.1         340.2     341.4     339.3     339.3
  4        Other securities                                109.9     118.2     118.2     119.3     119.5     121.2     119.9     119.3         119.7     119.3     119.4     119.8

  5     Loans and leases in bank credit (2)              1,042.1   1,094.7   1,106.4   1,126.2   1,135.2   1,148.6   1,161.0   1,173.7       1,176.4   1,180.9   1,181.7   1,189.6
  6        Commercial and industrial                       190.8     203.6     206.4     212.6     214.7     216.5     219.3     221.8         222.4     222.7     224.3     225.6
  7        Real estate                                     587.5     624.3     629.3     642.5     648.4     654.4     660.9     669.9         671.7     674.6     673.3     678.3
  8          Revolving home equity                          28.7      30.2      30.3      31.0      31.3      31.8      32.5      33.1          33.3      33.3      33.2      33.4
  9          Other                                         558.7     594.1     599.0     611.5     617.2     622.6     628.4     636.9         638.4     641.3     640.0     644.9
  10       Consumer                                        189.5     194.5     197.4     197.2     196.7     201.5     204.3     205.1         205.9     206.2     206.0     206.9
  11       Security (3)                                      5.3       4.9       4.9       5.0       5.5       5.4       5.2       5.3           5.2       5.5       5.5       5.4
  12       Other loans and leases                           69.1      67.4      68.4      69.0      69.8      70.9      71.2      71.5          71.2      72.0      72.7      73.4

  13  Interbank loans                                       60.7      50.9      48.7      47.2      52.3      53.6      52.5      55.4          55.4      55.2      52.8      53.4

  14  Cash assets (4)                                       67.1      70.8      71.4      70.9      72.0      75.4      69.0      68.2          70.1      70.6      67.3      66.0

  15  Other assets (5)                                      69.6      78.3      78.0      82.2      81.4      82.6      86.9      84.2          84.9      84.9      85.0      94.7

  16  TOTAL ASSETS (6)                                   1,651.4   1,730.1   1,741.3   1,765.6   1,774.2   1,791.0   1,803.1   1,819.1       1,825.9   1,831.5   1,824.5   1,841.8

            L I A B I L I T I E S

  17  Deposits                                           1,331.0   1,365.7   1,367.7   1,389.3   1,399.6   1,417.0   1,427.1   1,444.2       1,450.2   1,453.6   1,443.0   1,450.6
  18    Transaction                                        278.7     282.2     279.4     279.7     277.0     276.0     273.9     275.6         283.6     276.2     268.9     271.1
  19    Nontransaction                                   1,052.3   1,083.5   1,088.3   1,109.6   1,122.6   1,141.1   1,153.2   1,168.6       1,166.6   1,177.4   1,174.1   1,179.5
  20       Large time                                      189.3     196.2     197.4     204.0     207.9     209.9     211.4     215.4         216.1     216.7     217.6     217.8
  21       Other                                           863.0     887.3     890.9     905.6     914.7     931.1     941.8     953.2         950.6     960.7     956.5     961.8

  22  Borrowings                                           171.7     199.7     204.5     200.7     199.3     206.1     213.2     216.2         218.4     222.5     223.9     226.4
  23    From banks in the U.S.                              79.7      92.7      93.0      87.0      84.9      84.1      85.9      86.6          85.8      91.6      90.8      92.9
  24    From others                                         92.0     106.9     111.6     113.8     114.4     122.0     127.2     129.6         132.6     130.9     133.1     133.5

  25  Net due to related foreign offices                     3.2       3.5       3.4       4.3       4.5       4.5       5.1       5.2           5.5       5.4       5.5       5.5

  26  Other liabilities                                     28.7      32.6      33.7      35.0      34.7      35.1      33.6      35.8          36.4      34.1      34.1      35.0

  27  TOTAL LIABILITIES                                  1,534.6   1,601.4   1,609.3   1,629.3   1,638.2   1,662.6   1,678.9   1,701.4       1,710.6   1,715.6   1,706.5   1,717.5

  28  Residual (assets less liabilities) (7)               116.8     128.7     132.0     136.4     136.0     128.3     124.2     117.7         115.3     115.9     118.0     124.2



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

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                  Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                  March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,462.1   1,551.9   1,566.3   1,584.0   1,585.5   1,597.8   1,608.3   1,620.6       1,623.6   1,630.5   1,630.4   1,640.9

  2     Securities in bank credit                          428.5     453.4     454.3     455.9     451.2     451.0     453.8     456.3         457.4     458.9     458.2     460.0
  3        U.S. government securities                      319.3     335.0     336.6     336.8     331.6     330.1     334.0     337.6         338.5     340.0     339.1     340.4
  4        Other securities                                109.2     118.4     117.7     119.1     119.6     120.9     119.8     118.7         119.0     118.9     119.1     119.6

  5     Loans and leases in bank credit (2)              1,033.6   1,098.5   1,112.0   1,128.1   1,134.4   1,146.8   1,154.5   1,164.3       1,166.2   1,171.6   1,172.1   1,180.9
  6        Commercial and industrial                       190.4     202.3     205.3     211.1     213.2     215.5     218.5     221.4         222.0     222.8     224.3     226.1
  7        Real estate                                     582.7     626.4     632.7     644.0     648.9     652.6     656.8     664.8         666.1     669.5     668.5     673.7
  8          Revolving home equity                          28.6      30.1      30.5      31.2      31.6      32.0      32.5      33.0          33.1      33.2      33.2      33.3
  9          Other                                         554.0     596.3     602.1     612.7     617.4     620.5     624.4     631.8         633.0     636.3     635.4     640.4
  10       Consumer                                        188.9     195.1     198.5     197.8     197.2     203.2     205.0     204.2         204.8     204.6     203.7     204.9
  11       Security (3)                                      5.3       4.9       4.9       5.0       5.5       5.4       5.2       5.3           5.2       5.5       5.5       5.4
  12       Other loans and leases                           66.3      69.7      70.6      70.2      69.6      70.1      69.0      68.6          68.1      69.3      70.1      70.8

  13  Interbank loans                                       60.7      48.4      47.5      48.3      58.4      57.7      52.4      55.1          52.6      57.2      58.1      55.7

  14  Cash assets (4)                                       68.1      67.6      70.1      70.1      74.2      79.0      72.1      69.2          72.6      72.0      66.7      66.1

  15  Other assets (5)                                      68.4      79.0      78.4      82.2      83.1      82.5      83.4      82.7          83.7      83.9      83.7      90.2

  16  TOTAL ASSETS (6)                                   1,640.3   1,727.2   1,742.4   1,764.8   1,781.3   1,796.7   1,795.6   1,807.0       1,811.8   1,822.7   1,818.0   1,831.8

            L I A B I L I T I E S

  17  Deposits                                           1,313.4   1,364.3   1,370.8   1,393.1   1,412.3   1,421.6   1,418.9   1,426.6       1,428.7   1,438.6   1,436.1   1,439.9
  18    Transaction                                        276.9     275.3     276.5     276.6     280.7     286.4     277.9     274.0         280.1     276.6     270.5     271.0
  19    Nontransaction                                   1,036.5   1,089.0   1,094.3   1,116.5   1,131.6   1,135.2   1,140.9   1,152.7       1,148.6   1,162.0   1,165.6   1,168.9
  20       Large time                                      189.3     196.2     197.4     204.0     207.9     209.9     211.4     215.4         216.1     216.7     217.6     217.8
  21       Other                                           847.2     892.8     896.8     912.5     923.7     925.3     929.6     937.3         932.5     945.3     948.0     951.1

  22  Borrowings                                           169.1     199.7     207.2     203.6     201.6     208.0     213.4     213.2         215.4     217.5     214.6     218.9
  23    From banks in the U.S.                              78.5      92.0      93.4      88.9      86.6      86.1      86.7      85.4          84.8      89.5      87.1      90.0
  24    From others                                         90.6     107.7     113.7     114.7     115.0     121.9     126.7     127.8         130.7     128.0     127.5     128.9

  25  Net due to related foreign offices                     3.2       3.5       3.4       4.3       4.5       4.5       5.1       5.2           5.5       5.4       5.5       5.5

  26  Other liabilities                                     29.5      32.4      33.0      34.1      34.0      34.4      34.2      36.8          37.3      35.1      35.2      35.7

  27  TOTAL LIABILITIES                                  1,515.3   1,599.8   1,614.4   1,635.0   1,652.4   1,668.6   1,671.5   1,681.8       1,686.9   1,696.6   1,691.3   1,700.0

  28  Residual (assets less liabilities) (7)               125.0     127.4     128.1     129.7     128.9     128.1     124.1     125.2         124.9     126.1     126.6     131.8

               MEMO
  31  Mortgage-backed securities (9)                        55.6      65.1      65.5      67.3      66.0      65.6      67.8      69.2          69.4      70.3      70.4      70.4



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

  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                                                                                                                            March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          564.2     523.8     519.0     529.7     548.2     555.9     546.9     537.4         535.3     545.9     538.5     527.7

  2     Securities in bank credit                          202.1     190.0     189.4     195.3     198.9     206.6     198.6     186.8         185.3     188.9     188.3     179.0
  3        U.S. government securities                       84.7      84.0      81.6      82.4      79.5      81.6      79.2      73.1          71.5      73.3      75.2      71.6
  4        Other securities                                117.4     106.0     107.8     112.8     119.4     125.0     119.5     113.7         113.8     115.6     113.0     107.4

  5     Loans and leases in bank credit (2)                362.1     333.8     329.6     334.4     349.2     349.2     348.3     350.6         350.0     357.0     350.2     348.8
  6        Commercial and industrial                       210.9     195.3     197.1     198.8     199.9     194.6     194.3     197.1         198.2     198.8     198.7     200.9
  7        Real estate                                      20.8      17.5      17.5      17.4      17.0      16.9      17.0      17.3          17.3      17.4      17.5      17.7
  11       Security (3)                                     59.6      55.0      51.4      54.9      65.3      67.0      66.9      66.7          64.4      72.3      65.0      62.3
  12       Other loans and leases                           70.7      66.0      63.6      63.3      67.0      70.7      70.0      69.5          70.1      68.5      69.0      67.9

  13  Interbank loans                                       31.5      25.7      22.9      25.5      25.2      28.3      29.4      33.3          33.9      30.0      28.6      27.5

  14  Cash assets (4)                                       34.7      39.5      42.4      44.9      51.1      55.4      53.8      51.8          53.0      51.7      50.3      49.8

  15  Other assets (5)                                      37.4      29.0      29.3      31.6      34.5      37.2      39.2      38.5          38.8      38.0      38.5      38.7

  16  TOTAL ASSETS (6)                                     667.5     617.7     613.4     631.4     658.7     676.4     669.0     660.7         660.7     665.3     655.6     643.5

            L I A B I L I T I E S

  17  Deposits                                             322.4     309.0     310.8     328.9     358.2     377.9     386.1     384.2         383.4     384.6     382.5     376.5
  18    Transaction                                         11.8      11.0      10.8      10.6      10.5      10.7      10.4      10.7          10.6      10.5      10.0      11.1
  19    Nontransaction                                     310.5     298.0     299.9     318.2     347.7     367.2     375.7     373.5         372.8     374.1     372.5     365.4

  22  Borrowings                                           182.7     174.6     171.2     176.9     186.8     181.7     181.6     177.6         176.4     183.1     183.4     179.4
  23    From banks in the U.S.                              18.1      23.5      25.1      21.9      26.0      24.5      22.1      20.5          19.9      20.7      23.3      25.4
  24    From others                                        164.6     151.0     146.1     155.1     160.8     157.2     159.6     157.1         156.4     162.5     160.0     154.0

  25  Net due to related foreign offices                    89.3      72.0      66.1      53.5      44.0      39.0      33.5      23.7          19.4      21.2      19.3      17.5

  26  Other liabilities                                     70.1      61.5      64.4      65.5      66.8      70.1      69.3      71.0          70.6      71.5      71.1      67.4

  27  TOTAL LIABILITIES                                    664.5     617.1     612.5     624.8     655.8     668.7     670.5     656.4         649.7     660.4     656.2     640.9

  28  Residual (assets less liabilities) (7)                 3.0       0.6       0.8       6.6       2.9       7.7      -1.5       4.3          11.0       4.9      -0.6       2.6



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

  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                                                                                                                        March 24, 2000


               Account                                    1999      1999      1999      1999      1999      1999      2000      2000                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 23     Mar 1     Mar 8    Mar 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          567.8     520.0     518.1     533.6     551.3     559.1     550.4     540.5         535.2     551.1     541.1     530.7

  2     Securities in bank credit                          203.7     188.7     188.7     197.9     202.0     205.7     199.1     188.4         185.3     191.5     190.9     181.6
  3        U.S. government securities                       85.1      83.0      80.7      82.4      79.9      81.9      78.9      73.5          71.9      74.0      76.0      73.1
  3a         Trading account                                20.0      16.5      14.9      14.3       8.5       6.7       7.5       7.3           6.6       7.9       9.5       7.2
  3b         Investment account                             65.1      66.5      65.9      68.0      71.5      75.2      71.4      66.3          65.3      66.0      66.5      66.0
  4        Other securities                                118.6     105.7     108.0     115.6     122.1     123.8     120.3     114.9         113.4     117.5     114.9     108.5
  4a         Trading account                                70.8      64.9      69.3      69.3      80.7      80.6      76.0      73.1          72.1      75.8      74.7      67.2
  4b         Investment account                             47.8      40.9      38.7      46.2      41.5      43.2      44.3      41.8          41.3      41.6      40.2      41.3

  5     Loans and leases in bank credit (2)                364.1     331.3     329.4     335.7     349.2     353.3     351.3     352.1         349.9     359.6     350.2     349.0
  6        Commercial and industrial                       212.8     193.6     196.7     199.9     201.2     197.3     196.0     198.7         199.4     200.4     198.6     201.1
  7        Real estate                                      21.2      17.4      17.5      17.6      17.1      16.9      17.2      17.6          17.7      17.7      17.7      17.9
  11       Security (3)                                     59.3      55.0      51.6      54.6      64.5      67.5      66.9      66.2          63.4      73.1      65.4      63.1
  12       Other loans and leases                           70.9      65.2      63.6      63.6      66.4      71.6      71.2      69.6          69.4      68.5      68.4      66.9

  13  Interbank loans                                       31.5      25.7      22.9      25.5      25.2      28.3      29.4      33.3          33.9      30.0      28.6      27.5

  14  Cash assets (4)                                       34.0      39.1      42.1      45.5      51.8      57.7      54.5      50.7          51.4      50.2      48.5      48.2

  15  Other assets (5)                                      38.5      29.6      29.7      31.5      34.6      38.7      39.5      39.5          39.4      39.5      40.6      39.9

  16  TOTAL ASSETS (6)                                     671.5     614.2     612.6     635.8     662.7     683.4     673.5     663.7         659.6     670.5     658.5     646.0

            L I A B I L I T I E S

  17  Deposits                                             321.1     306.4     310.3     328.9     357.7     382.3     382.9     383.0         383.0     386.5     383.9     380.3
  18    Transaction                                         11.6      10.9      11.3      10.6      10.4      11.1      10.4      10.5          10.5      10.3       9.9      11.1
  19    Nontransaction                                     309.5     295.5     299.0     318.3     347.2     371.2     372.4     372.5         372.5     376.2     374.0     369.2

  22  Borrowings                                           182.7     174.6     171.2     176.9     186.8     181.7     181.6     177.6         176.4     183.1     183.4     179.4
  23    From banks in the U.S.                              18.1      23.5      25.1      21.9      26.0      24.5      22.1      20.5          19.9      20.7      23.3      25.4
  24    From others                                        164.6     151.0     146.1     155.1     160.8     157.2     159.6     157.1         156.4     162.5     160.0     154.0

  25  Net due to related foreign offices                    92.8      69.9      64.6      55.3      46.7      44.2      35.3      26.5          24.3      23.5      14.7      14.7

  26  Other liabilities                                     71.7      61.7      64.0      64.8      67.7      71.5      69.5      72.6          72.2      73.2      71.9      67.7

  27  TOTAL LIABILITIES                                    668.4     612.5     610.1     626.0     658.8     679.6     669.4     659.7         655.8     666.3     654.0     642.2

  28  Residual (assets less liabilities) (7)                 3.2       1.7       2.4       9.8       3.9       3.8       4.1       4.0           3.9       4.2       4.5       3.7

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              42.4      38.1      38.4      39.2      40.1      39.4      38.0      39.4          38.5      40.2      40.7      37.7
  30  Reval. losses on off-bal. sheet items (8)             40.7      36.3      37.4      37.8      39.1      38.4      37.5      39.8          38.9      40.4      40.6      37.0



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

  Footnotes appear on page 13.




  H.8 (510)       Footnotes                                                                                                                                                Page 13
                                                                                                                                                                    March 24, 2000

  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.

  
     
  NOTE: Domestically chartered commercial banks acquired $1.7 billion in assets and liabilities of nonbank institutions in the week ending March 15, 2000.  The major asset items 
  affected were (in billions): other securities, $0.2;  and real estate loans, other, $1.6.  The major liability item was nontransaction deposits, other, $1.7. 

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