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 July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,560.3 4,762.9 4,788.1 4,818.8 4,858.5 4,908.3 4,974.0 5,003.5 5,024.6 5,016.3 5,016.3 5,012.7 2 Securities in bank credit 1,214.4 1,263.7 1,267.1 1,267.3 1,276.5 1,284.7 1,302.7 1,297.1 1,299.6 1,296.5 1,293.6 1,293.4 3 U.S. government securities 811.7 804.1 812.1 813.1 812.7 810.9 812.2 813.9 816.3 816.1 820.5 815.5 4 Other securities 402.7 459.6 455.0 454.2 463.8 473.9 490.5 483.1 483.3 480.5 473.0 477.9 5 Loans and leases in bank credit (2) 3,345.9 3,499.2 3,521.0 3,551.5 3,582.0 3,623.6 3,671.3 3,706.4 3,725.0 3,719.8 3,722.8 3,719.4 6 Commercial and industrial 963.8 1,002.1 1,011.8 1,019.1 1,027.6 1,040.9 1,061.4 1,064.4 1,068.7 1,059.3 1,060.3 1,062.6 7 Real estate 1,369.8 1,470.6 1,489.0 1,505.2 1,523.5 1,546.7 1,569.8 1,589.6 1,594.9 1,594.1 1,598.3 1,600.6 8 Revolving home equity 104.3 101.6 103.6 104.7 107.1 112.6 116.0 116.6 116.8 114.9 116.2 115.9 9 Other 1,265.5 1,368.9 1,385.5 1,400.5 1,416.4 1,434.1 1,453.8 1,472.9 1,478.1 1,479.2 1,482.1 1,484.7 10 Consumer 488.9 489.7 496.4 502.6 505.5 505.7 508.4 515.5 519.1 521.3 515.4 513.9 11 Security (3) 130.7 153.1 143.2 142.4 142.6 143.5 144.6 149.5 152.4 156.1 154.3 148.6 12 Other loans and leases 392.7 383.7 380.5 382.2 382.8 386.9 387.0 387.3 389.9 389.0 394.5 393.6 13 Interbank loans 223.2 229.5 225.1 236.1 237.4 238.2 242.6 242.8 246.2 250.4 252.7 252.0 14 Cash assets (4) 261.9 287.5 283.3 281.6 275.1 285.2 277.4 273.0 280.5 265.3 277.6 286.1 15 Other assets (5) 346.9 377.8 382.7 378.3 376.6 378.0 387.5 389.0 390.1 388.8 389.3 376.7 16 TOTAL ASSETS (6) 5,333.5 5,597.9 5,620.1 5,655.9 5,688.4 5,750.1 5,821.3 5,848.2 5,881.4 5,860.2 5,875.3 5,866.2 L I A B I L I T I E S 17 Deposits 3,383.5 3,524.5 3,540.2 3,558.4 3,575.4 3,626.3 3,631.8 3,656.0 3,652.5 3,651.0 3,710.0 3,702.8 18 Transaction 651.1 630.2 626.6 625.2 626.2 625.9 629.2 616.6 627.2 624.0 616.7 621.0 19 Nontransaction 2,732.3 2,894.3 2,913.6 2,933.2 2,949.3 3,000.4 3,002.6 3,039.3 3,025.3 3,027.0 3,093.2 3,081.8 20 Large time 723.1 828.1 840.3 845.8 853.0 874.4 880.5 894.8 896.5 897.2 900.2 896.9 21 Other 2,009.3 2,066.2 2,073.3 2,087.4 2,096.2 2,126.0 2,122.1 2,144.6 2,128.8 2,129.8 2,193.1 2,184.9 22 Borrowings 1,023.3 1,116.6 1,133.6 1,130.0 1,150.8 1,184.5 1,196.5 1,196.6 1,204.9 1,208.3 1,205.5 1,196.5 23 From banks in the U.S. 333.7 346.8 359.7 364.8 372.9 373.9 379.9 371.1 366.8 365.3 385.8 376.2 24 From others 689.6 769.8 773.8 765.2 777.9 810.6 816.6 825.5 838.0 843.1 819.8 820.4 25 Net due to related foreign offices 217.4 221.1 229.7 233.9 233.1 223.9 249.5 259.3 258.5 251.1 260.5 257.8 26 Other liabilities 277.5 302.4 290.4 295.6 289.5 289.5 312.4 303.2 306.5 304.9 293.0 293.1 27 TOTAL LIABILITIES 4,901.6 5,164.6 5,193.9 5,217.8 5,248.9 5,324.3 5,390.2 5,415.1 5,422.4 5,415.3 5,469.0 5,450.3 28 Residual (assets less liabilities) (7) 431.9 433.3 426.2 438.0 439.5 425.8 431.1 433.0 459.0 444.8 406.3 415.9 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,546.9 4,795.3 4,812.3 4,821.8 4,852.7 4,908.9 4,966.0 4,987.5 4,998.0 4,997.5 5,003.3 4,985.2 2 Securities in bank credit 1,206.9 1,273.8 1,275.6 1,271.4 1,277.9 1,286.6 1,300.3 1,286.9 1,284.6 1,283.5 1,279.6 1,276.6 3 U.S. government securities 811.2 806.1 813.9 817.0 819.6 819.5 817.5 813.2 812.6 811.9 815.5 807.9 4 Other securities 395.7 467.7 461.8 454.3 458.3 467.1 482.8 473.7 471.9 471.6 464.1 468.7 5 Loans and leases in bank credit (2) 3,340.0 3,521.4 3,536.6 3,550.4 3,574.8 3,622.3 3,665.8 3,700.7 3,713.4 3,713.9 3,723.6 3,708.6 6 Commercial and industrial 963.2 1,004.1 1,009.3 1,019.8 1,031.6 1,047.9 1,064.3 1,063.8 1,068.3 1,059.0 1,061.8 1,057.6 7 Real estate 1,367.6 1,475.4 1,493.1 1,502.2 1,518.7 1,542.2 1,567.2 1,586.2 1,587.4 1,589.9 1,594.2 1,597.8 8 Revolving home equity 104.4 102.0 103.8 104.4 106.1 111.7 115.6 116.7 117.2 115.1 116.0 116.0 9 Other 1,263.3 1,373.4 1,389.2 1,397.7 1,412.7 1,430.5 1,451.6 1,469.5 1,470.2 1,474.8 1,478.2 1,481.8 10 Consumer 487.0 495.1 503.5 504.7 503.9 504.6 508.0 514.5 518.0 521.3 515.4 513.9 10a Credit card and related plans -- -- -- -- -- -- -- -- -- 196.1 194.2 193.0 10b Other -- -- -- -- -- -- -- -- -- 325.2 321.2 320.9 11 Security (3) 130.2 157.8 147.3 143.9 141.6 144.0 143.1 149.4 152.2 153.5 151.8 145.5 12 Other loans and leases 392.0 389.0 383.4 379.8 378.9 383.6 383.2 386.9 387.4 390.2 400.5 393.8 13 Interbank loans 222.7 234.9 226.0 237.6 243.2 245.0 242.4 242.2 239.6 245.8 261.4 248.5 14 Cash assets (4) 258.0 307.4 297.4 282.2 266.7 282.3 275.2 269.1 270.3 264.2 290.0 274.4 15 Other assets (5) 349.2 377.8 381.2 380.6 380.0 381.6 390.8 390.8 387.0 391.9 396.9 375.9 16 TOTAL ASSETS (6) 5,317.8 5,655.5 5,658.1 5,663.3 5,683.4 5,758.5 5,814.4 5,829.3 5,834.8 5,838.8 5,890.9 5,822.8 L I A B I L I T I E S 17 Deposits 3,373.6 3,566.8 3,553.5 3,557.3 3,579.3 3,644.3 3,617.1 3,644.0 3,614.7 3,627.4 3,726.2 3,681.0 18 Transaction 649.9 662.9 638.1 618.2 619.1 634.6 619.8 615.6 610.2 625.8 644.9 612.7 19 Nontransaction 2,723.6 2,903.9 2,915.4 2,939.0 2,960.2 3,009.7 2,997.3 3,028.5 3,004.5 3,001.7 3,081.3 3,068.3 20 Large time 715.1 843.1 851.3 858.4 861.5 874.0 876.7 883.9 884.1 881.7 880.4 881.4 21 Other 2,008.5 2,060.8 2,064.1 2,080.6 2,098.7 2,135.8 2,120.6 2,144.6 2,120.4 2,119.9 2,200.8 2,186.9 22 Borrowings 1,025.2 1,125.8 1,152.1 1,133.9 1,145.8 1,182.7 1,206.0 1,200.5 1,231.9 1,224.4 1,197.6 1,182.8 23 From banks in the U.S. 334.0 351.8 363.6 366.4 372.8 375.2 380.6 372.3 373.8 372.5 385.6 373.2 24 From others 691.1 774.0 788.5 767.5 773.0 807.5 825.4 828.2 858.2 851.9 812.0 809.6 25 Net due to related foreign offices 211.0 227.3 233.3 248.3 236.7 213.2 249.9 249.8 247.7 256.4 243.0 243.0 26 Other liabilities 276.1 304.6 291.8 297.9 290.2 288.4 311.0 301.6 304.3 303.3 290.0 290.9 27 TOTAL LIABILITIES 4,885.8 5,224.5 5,230.7 5,237.3 5,252.0 5,328.6 5,384.0 5,395.9 5,398.6 5,411.5 5,456.8 5,397.7 28 Residual (assets less liabilities) (7) 432.0 431.0 427.4 426.0 431.5 430.0 430.4 433.4 436.2 427.3 434.1 425.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,021.6 4,214.6 4,239.8 4,277.9 4,314.3 4,340.1 4,392.3 4,430.0 4,448.0 4,444.7 4,445.2 4,444.1 2 Securities in bank credit 1,015.2 1,061.3 1,066.0 1,075.4 1,081.7 1,083.5 1,095.4 1,095.8 1,096.9 1,098.2 1,096.1 1,096.8 3 U.S. government securities 724.3 723.4 731.1 737.3 734.8 731.6 732.9 735.5 737.5 737.3 740.9 737.9 4 Other securities 290.9 338.0 334.9 338.1 346.8 351.9 362.5 360.4 359.4 361.0 355.2 359.0 5 Loans and leases in bank credit (2) 3,006.4 3,153.2 3,173.8 3,202.5 3,232.6 3,256.6 3,296.9 3,334.2 3,351.1 3,346.4 3,349.1 3,347.3 6 Commercial and industrial 764.8 808.7 816.8 822.4 829.5 839.2 853.9 856.7 859.7 853.6 854.9 857.6 7 Real estate 1,350.8 1,453.6 1,471.6 1,487.5 1,505.4 1,528.2 1,551.0 1,570.5 1,575.7 1,574.9 1,579.3 1,581.8 8 Revolving home equity 104.3 101.6 103.6 104.7 107.1 112.6 116.0 116.6 116.8 114.9 116.2 115.9 9 Other 1,246.4 1,351.9 1,368.0 1,382.7 1,398.3 1,415.6 1,435.0 1,453.9 1,458.9 1,459.9 1,463.1 1,465.9 10 Consumer 488.9 489.7 496.4 502.6 505.5 505.7 508.4 515.5 519.1 521.3 515.4 513.9 11 Security (3) 78.9 86.1 76.5 75.7 76.2 65.7 63.9 68.7 71.8 71.3 70.1 66.2 12 Other loans and leases 323.1 315.3 312.6 314.4 316.1 317.8 319.6 322.7 324.8 325.3 329.4 327.9 13 Interbank loans 198.4 199.9 196.2 203.5 209.0 208.9 210.9 214.4 216.5 218.9 225.4 225.4 14 Cash assets (4) 225.7 234.1 231.0 230.3 226.3 236.3 232.1 227.0 234.2 219.2 231.4 240.0 15 Other assets (5) 313.1 341.2 344.1 340.0 337.5 338.2 346.6 345.8 345.2 344.8 344.2 335.2 16 TOTAL ASSETS (6) 4,700.3 4,930.3 4,952.2 4,993.1 5,028.2 5,064.3 5,122.3 5,157.4 5,184.1 5,167.2 5,185.9 5,183.8 L I A B I L I T I E S 17 Deposits 3,075.2 3,150.4 3,160.5 3,178.9 3,193.6 3,233.9 3,244.6 3,268.6 3,262.2 3,262.4 3,320.7 3,316.3 18 Transaction 640.3 619.6 615.8 614.2 614.9 614.9 617.7 605.0 615.5 613.5 604.4 609.6 19 Nontransaction 2,434.9 2,530.8 2,544.7 2,564.8 2,578.7 2,619.0 2,626.8 2,663.6 2,646.7 2,648.9 2,716.4 2,706.7 20 Large time 426.8 467.8 473.3 479.0 485.3 496.0 507.3 520.0 518.2 520.3 525.5 524.5 21 Other 2,008.1 2,063.0 2,071.4 2,085.8 2,093.4 2,123.0 2,119.5 2,143.6 2,128.5 2,128.6 2,190.8 2,182.2 22 Borrowings 839.9 935.2 954.1 954.4 973.3 984.2 991.2 990.8 998.9 1,001.1 992.2 992.5 23 From banks in the U.S. 307.4 322.4 340.0 346.6 353.4 353.3 362.2 352.5 347.4 346.9 359.8 356.5 24 From others 532.5 612.7 614.1 607.8 619.8 630.9 629.0 638.4 651.5 654.2 632.4 636.0 25 Net due to related foreign offices 146.2 182.0 194.2 207.1 213.2 208.9 229.4 240.9 241.7 231.6 242.6 241.2 26 Other liabilities 213.8 232.9 220.3 224.1 220.3 218.9 235.2 233.2 234.3 238.4 225.2 226.6 27 TOTAL LIABILITIES 4,275.1 4,500.4 4,529.2 4,564.5 4,600.3 4,645.9 4,700.3 4,733.5 4,737.1 4,733.5 4,780.7 4,776.6 28 Residual (assets less liabilities) (7) 425.1 429.9 423.0 428.6 427.9 418.4 421.9 423.9 447.0 433.7 405.2 407.2 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 4 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,016.0 4,236.9 4,256.2 4,276.7 4,309.8 4,347.0 4,392.8 4,423.5 4,433.2 4,433.9 4,440.7 4,427.9 2 Securities in bank credit 1,012.1 1,067.7 1,070.6 1,078.2 1,086.0 1,089.0 1,096.0 1,091.4 1,089.3 1,090.9 1,088.1 1,087.1 3 U.S. government securities 723.7 724.0 732.2 741.1 742.0 739.5 737.2 734.7 734.4 733.1 735.9 731.5 4 Other securities 288.3 343.7 338.3 337.1 344.0 349.5 358.8 356.7 354.9 357.8 352.2 355.7 5 Loans and leases in bank credit (2) 3,003.9 3,169.2 3,185.6 3,198.4 3,223.8 3,258.0 3,296.8 3,332.2 3,344.0 3,343.1 3,352.6 3,340.8 6 Commercial and industrial 767.0 807.1 812.9 820.6 831.8 848.0 861.1 859.4 862.5 856.0 858.8 855.5 7 Real estate 1,348.7 1,458.5 1,475.4 1,484.1 1,500.5 1,523.9 1,548.5 1,567.3 1,568.3 1,570.9 1,575.4 1,579.1 8 Revolving home equity 104.4 102.0 103.8 104.4 106.1 111.7 115.6 116.7 117.2 115.1 116.0 116.0 9 Other 1,244.4 1,356.4 1,371.6 1,379.7 1,394.4 1,412.2 1,432.9 1,450.6 1,451.1 1,455.9 1,459.3 1,463.1 10 Consumer 487.0 495.1 503.5 504.7 503.9 504.6 508.0 514.5 518.0 521.3 515.4 513.9 10a Credit card and related plans -- -- -- -- -- -- -- -- -- 196.1 194.2 193.0 10d Other -- -- -- -- -- -- -- -- -- 325.2 321.2 320.9 11 Security (3) 78.2 90.3 80.1 77.4 74.9 66.2 62.5 68.3 71.7 67.8 67.6 63.7 12 Other loans and leases 323.0 318.2 313.7 311.6 312.7 315.3 316.7 322.7 323.4 327.0 335.4 328.6 13 Interbank loans 197.9 205.4 197.0 205.0 214.9 215.7 210.7 213.9 209.9 214.3 234.1 221.9 14 Cash assets (4) 222.1 249.7 242.9 231.5 218.9 235.6 231.1 223.9 224.8 218.9 244.9 230.1 15 Other assets (5) 317.0 339.1 341.2 340.5 339.7 342.6 350.6 349.8 345.1 351.0 354.5 336.2 16 TOTAL ASSETS (6) 4,694.5 4,971.4 4,978.7 4,995.0 5,024.4 5,081.9 5,125.5 5,151.1 5,153.2 5,157.8 5,213.9 5,155.3 L I A B I L I T I E S 17 Deposits 3,068.3 3,184.2 3,167.0 3,170.8 3,191.3 3,250.8 3,229.1 3,261.0 3,229.4 3,244.5 3,348.3 3,303.1 18 Transaction 639.4 651.8 627.2 607.3 608.0 623.9 608.9 604.3 598.9 615.1 632.3 601.5 19 Nontransaction 2,428.8 2,532.4 2,539.8 2,563.5 2,583.3 2,626.9 2,620.2 2,656.7 2,630.5 2,629.4 2,716.0 2,701.7 20 Large time 422.6 474.0 478.9 485.6 487.0 493.6 502.0 514.5 512.5 511.8 517.6 517.1 21 Other 2,006.3 2,058.4 2,060.9 2,077.9 2,096.3 2,133.4 2,118.2 2,142.2 2,118.0 2,117.5 2,198.4 2,184.5 22 Borrowings 841.8 944.3 972.6 958.3 968.2 982.4 1,000.7 994.7 1,026.0 1,017.2 984.2 978.7 23 From banks in the U.S. 307.8 327.4 343.9 348.1 353.3 354.6 362.9 353.6 354.3 354.1 359.6 353.5 24 From others 534.0 617.0 628.7 610.2 614.9 627.8 637.8 641.1 671.6 663.0 624.6 625.2 25 Net due to related foreign offices 141.4 183.0 195.5 219.1 216.2 202.9 234.0 232.8 231.5 234.9 227.1 227.1 26 Other liabilities 213.6 233.1 220.1 224.4 220.7 219.5 235.2 233.0 233.8 238.0 224.2 225.8 27 TOTAL LIABILITIES 4,265.2 4,544.7 4,555.1 4,572.6 4,596.4 4,655.6 4,699.0 4,721.5 4,720.8 4,734.6 4,783.7 4,734.7 28 Residual (assets less liabilities) (7) 429.3 426.8 423.6 422.3 428.0 426.3 426.5 429.5 432.5 423.2 430.2 420.5 ------------------------------------------------- Footnotes appear on page 14. 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 July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,265.8 2,368.5 2,367.3 2,386.0 2,408.1 2,424.2 2,460.2 2,475.2 2,493.0 2,471.2 2,471.4 2,473.0 2 Securities in bank credit 514.5 551.8 550.4 555.6 563.4 566.1 576.5 575.9 577.2 576.7 571.6 571.0 3 U.S. government securities 355.2 354.7 355.5 356.6 356.2 354.7 356.4 359.3 362.3 359.5 361.6 361.0 3a Trading account 23.4 19.5 20.4 21.5 20.4 21.2 23.4 22.7 22.9 22.7 23.9 22.5 3b Investment account 331.7 335.1 335.1 335.1 335.8 333.4 333.0 336.7 339.4 336.7 337.8 338.5 4 Other securities 159.3 197.2 194.8 199.0 207.2 211.5 220.1 216.6 215.0 217.2 209.9 210.0 4a Trading account 69.0 86.7 81.5 85.9 91.1 92.9 101.2 98.0 96.0 99.7 92.3 91.9 4b Investment account 90.3 110.5 113.3 113.1 116.1 118.6 118.9 118.5 119.0 117.5 117.6 118.1 4c State and local government 23.0 24.1 24.4 24.5 24.7 25.1 25.4 25.7 25.5 26.1 26.1 26.2 4d Other 67.2 86.3 88.9 88.6 91.4 93.4 93.5 92.9 93.5 91.5 91.4 91.9 5 Loans and leases in bank credit (2) 1,751.3 1,816.6 1,816.9 1,830.4 1,844.8 1,858.0 1,883.7 1,899.3 1,915.8 1,894.6 1,899.8 1,902.0 6 Commercial and industrial 526.7 552.1 555.6 557.7 560.4 567.8 579.1 578.2 581.6 571.5 571.1 573.9 6a Bankers acceptances 1.0 1.1 1.0 1.0 1.0 1.0 1.1 1.0 1.0 1.0 1.0 0.9 6b Other 525.7 551.0 554.6 556.8 559.5 566.8 578.1 577.2 580.6 570.5 570.1 573.0 7 Real estate 684.0 737.5 744.9 750.3 759.1 774.9 787.8 797.5 802.5 795.5 801.2 806.6 8 Revolving home equity 69.1 64.2 65.5 66.0 67.6 72.4 75.0 75.4 76.0 73.7 74.8 74.5 9 Other 615.0 673.2 679.4 684.3 691.4 702.5 712.8 722.1 726.5 721.8 726.4 732.1 10 Consumer 226.9 220.2 221.6 226.9 228.9 228.0 228.5 229.6 231.9 228.6 228.3 227.7 11 Security (3) 72.7 79.1 69.8 68.9 69.3 58.6 57.3 61.8 64.9 64.6 62.8 58.9 11a Fed funds and RPs with broker/dealer 55.1 59.9 49.5 46.5 48.2 37.7 38.8 43.8 47.2 45.7 43.8 40.8 11b Other 17.6 19.2 20.3 22.4 21.1 20.9 18.6 18.0 17.7 18.9 18.9 18.1 12a State and local government 11.1 11.7 11.8 11.9 12.1 12.1 12.1 12.2 12.1 12.3 12.3 12.2 12b Agricultural 7.9 9.0 9.1 9.3 9.3 9.4 9.4 9.5 9.5 9.5 9.5 9.4 12c Fed funds and RPs with others 16.1 11.7 11.1 11.2 11.2 11.5 11.6 12.5 12.0 14.2 13.1 12.7 12d All other loans 96.2 76.0 75.3 76.5 76.8 76.7 77.9 75.1 76.8 73.1 77.1 74.3 12e Lease financing receivables 109.7 119.3 117.6 117.7 117.7 119.0 120.1 123.0 124.6 125.3 124.3 126.2 13 Interbank loans 134.5 135.6 132.9 137.9 142.8 136.3 141.3 142.4 142.7 144.9 150.3 146.1 13a Fed funds and RPs with banks 77.7 64.2 59.0 65.5 68.5 65.7 71.4 70.5 68.2 71.3 76.6 71.9 13b Other 56.9 71.4 73.9 72.4 74.3 70.6 69.8 71.9 74.4 73.6 73.8 74.2 14 Cash assets (4) 145.0 146.8 147.2 148.3 145.3 153.9 147.6 144.7 150.6 139.3 147.2 149.2 15 Other assets (5) 222.6 241.1 240.4 236.6 234.5 233.5 237.8 238.0 238.4 239.0 234.8 239.8 16 TOTAL ASSETS (6) 2,732.8 2,856.7 2,853.1 2,874.5 2,896.3 2,913.4 2,952.4 2,966.0 2,990.4 2,960.3 2,969.5 2,973.3 ------------------------------------------------- Footnotes appear on page 14. 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) July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,584.3 1,593.5 1,589.2 1,596.6 1,601.5 1,623.9 1,629.1 1,622.9 1,620.2 1,601.3 1,639.9 1,628.6 18 Transaction 337.9 320.6 313.7 312.1 311.6 310.0 313.4 305.9 313.7 306.4 305.1 299.6 19 Nontransaction 1,246.4 1,272.9 1,275.6 1,284.5 1,289.9 1,313.8 1,315.8 1,317.0 1,306.5 1,294.9 1,334.8 1,329.0 20 Large time 205.9 227.8 230.2 231.4 234.7 243.1 250.8 257.6 255.4 256.7 262.8 261.9 21 Other 1,040.5 1,045.1 1,045.4 1,053.2 1,055.2 1,070.7 1,065.0 1,059.4 1,051.0 1,038.2 1,072.0 1,067.1 22 Borrowings 562.8 629.0 629.4 627.8 638.7 646.2 645.9 651.4 657.3 665.6 662.8 662.4 23 From banks in the U.S. 164.9 176.8 186.2 190.6 193.2 195.9 200.6 194.8 189.5 188.9 203.4 201.0 24 From others 397.9 452.1 443.2 437.2 445.5 450.2 445.3 456.7 467.8 476.7 459.4 461.4 25 Net due to related foreign offices 142.1 177.5 189.1 201.9 207.8 203.6 223.4 231.7 236.7 214.0 220.9 219.5 26 Other liabilities 161.0 176.8 164.6 166.4 164.7 164.3 177.8 177.4 174.8 188.7 175.5 180.7 27 TOTAL LIABILITIES 2,450.2 2,576.8 2,572.3 2,592.6 2,612.8 2,638.0 2,676.2 2,683.6 2,689.0 2,669.7 2,699.1 2,691.2 28 Residual (assets less liabilities) (7) 282.5 279.9 280.7 281.8 283.6 275.4 276.1 282.4 301.4 290.6 270.4 282.1 ------------------------------------------------- Footnotes appear on page 14. 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 July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,255.0 2,390.4 2,390.0 2,397.4 2,409.8 2,427.7 2,453.9 2,463.2 2,473.1 2,453.8 2,465.6 2,453.9 2 Securities in bank credit 509.2 558.7 556.7 561.7 566.7 567.2 573.3 569.6 567.5 567.8 564.8 561.4 3 U.S. government securities 352.2 355.9 358.3 362.9 362.1 359.3 357.4 356.3 356.6 353.2 357.1 353.9 3a Trading account 22.9 19.4 21.1 22.5 21.4 21.5 22.0 22.5 22.4 20.4 22.7 20.7 3b Investment account 329.3 336.5 337.2 340.4 340.7 337.8 335.5 333.9 334.2 332.7 334.4 333.2 3c Mortgage-backed 213.7 217.3 217.1 221.2 222.1 220.5 217.9 216.5 215.6 215.4 217.0 216.3 3d Other 115.6 119.2 120.0 119.2 118.6 117.3 117.6 117.4 118.6 117.3 117.3 116.9 3e 1 year or less 22.8 22.5 23.3 27.1 28.8 28.6 30.3 30.2 31.4 30.4 30.2 29.4 3f Between 1 and 5 years 54.7 57.6 57.3 54.4 52.6 51.4 51.6 52.3 52.1 52.4 52.4 52.2 3g More than 5 years 38.1 39.2 39.5 37.7 37.3 37.3 35.7 34.9 35.1 34.6 34.7 35.3 4 Other securities 157.0 202.8 198.4 198.8 204.6 207.9 215.9 213.3 210.9 214.7 207.7 207.4 4a Trading account 69.0 86.7 81.5 85.9 91.1 92.9 101.2 98.0 96.0 99.7 92.3 91.9 4b Investment account 88.0 116.1 116.9 112.9 113.5 115.0 114.6 115.2 114.9 115.0 115.4 115.5 4c State and local government 23.0 24.4 24.7 24.7 24.8 25.2 25.3 25.5 25.5 25.8 25.4 25.6 4d Other 65.0 91.7 92.2 88.2 88.7 89.8 89.3 89.7 89.4 89.2 89.9 90.0 5 Loans and leases in bank credit (2) 1,745.8 1,831.7 1,833.4 1,835.8 1,843.1 1,860.5 1,880.6 1,893.6 1,905.6 1,886.0 1,900.8 1,892.5 6 Commercial and industrial 527.2 550.9 552.6 557.0 562.7 574.5 583.6 578.8 582.4 571.8 573.4 571.1 6a Bankers acceptances 1.0 1.1 1.0 1.0 1.0 1.0 1.1 1.0 1.0 1.0 1.0 0.9 6b Other 526.2 549.9 551.5 556.1 561.7 573.4 582.6 577.8 581.4 570.7 572.4 570.1 7 Real estate 680.9 743.0 751.1 751.6 757.4 772.0 784.9 793.2 794.9 789.8 797.7 802.9 8 Revolving home equity 69.2 64.4 65.8 65.9 66.9 71.7 74.6 75.5 76.4 73.8 74.9 74.7 9a Other residential 371.4 416.8 419.4 417.0 420.2 429.3 437.3 442.1 443.0 438.6 445.6 449.9 9b Commercial 240.3 261.8 265.9 268.7 270.3 271.0 273.0 275.6 275.5 277.4 277.2 278.3 10 Consumer 225.4 223.3 228.1 229.9 229.1 227.9 228.0 228.7 230.7 228.6 228.3 227.7 10a Credit card and related plans -- -- -- -- -- -- -- -- -- 72.0 73.2 72.6 10f Other -- -- -- -- -- -- -- -- -- 156.6 155.2 155.1 11 Security (3) 72.0 83.3 73.5 70.6 68.0 59.1 55.9 61.4 64.8 61.0 60.3 56.4 11a Fed funds and RPs with broker/dealer 53.6 63.9 53.9 49.0 46.6 37.7 36.7 42.5 45.6 40.6 40.8 38.2 11b Other 18.5 19.4 19.6 21.6 21.4 21.3 19.2 18.9 19.2 20.4 19.5 18.2 12a State and local government 10.9 11.8 11.8 11.8 12.0 12.0 12.0 12.0 11.9 12.1 12.2 12.2 12b Agricultural 7.9 9.0 9.1 9.1 9.0 9.1 9.3 9.4 9.5 9.6 9.6 9.6 12c Fed funds and RPs with others 16.1 11.7 11.1 11.2 11.2 11.5 11.6 12.5 12.0 14.2 13.1 12.7 12d All other loans 95.7 79.8 76.2 74.8 74.5 74.7 75.1 74.8 75.2 73.9 81.9 74.2 12e Lease financing receivables 109.6 118.9 119.8 119.6 119.2 119.7 120.1 122.8 124.2 125.0 124.2 125.7 13 Interbank loans 137.3 136.7 133.5 138.2 145.6 141.5 145.1 145.5 143.6 149.5 158.3 145.9 13a Fed funds and RPs with banks 78.3 65.8 60.5 65.2 70.5 68.4 72.1 71.0 67.0 74.3 82.1 70.7 13b Other 58.9 70.9 73.0 73.0 75.0 73.1 73.0 74.5 76.6 75.2 76.2 75.2 14 Cash assets (4) 142.2 158.1 157.8 150.0 139.9 153.8 146.9 142.2 144.1 139.0 154.5 141.4 15 Other assets (5) 226.8 239.5 239.5 237.9 236.8 237.0 242.6 242.1 240.3 243.5 239.2 239.9 16 TOTAL ASSETS (6) 2,726.0 2,889.2 2,886.5 2,889.3 2,897.7 2,925.8 2,953.8 2,958.5 2,966.5 2,951.8 2,983.4 2,946.5 ------------------------------------------------- Footnotes appear on page 14. 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) July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,579.5 1,618.5 1,600.6 1,597.0 1,601.2 1,633.6 1,614.3 1,618.0 1,599.0 1,593.1 1,658.3 1,619.7 18 Transaction 336.7 341.9 323.4 308.6 307.0 317.2 307.0 304.7 302.5 309.2 322.6 294.1 19 Nontransaction 1,242.8 1,276.5 1,277.2 1,288.4 1,294.3 1,316.4 1,307.4 1,313.3 1,296.6 1,283.9 1,335.7 1,325.7 20 Large time 201.6 234.0 235.8 238.0 236.4 240.6 245.5 252.1 249.7 248.3 254.9 254.5 21 Other 1,041.2 1,042.5 1,041.4 1,050.4 1,057.9 1,075.8 1,061.9 1,061.2 1,046.9 1,035.7 1,080.8 1,071.1 22 Borrowings 563.7 635.6 649.5 635.9 639.7 648.0 654.0 653.5 678.8 671.5 653.6 647.9 23 From banks in the U.S. 164.4 180.3 190.6 194.7 196.6 199.6 201.9 194.3 193.5 189.7 201.1 196.4 24 From others 399.3 455.3 458.9 441.2 443.2 448.4 452.1 459.2 485.3 481.8 452.5 451.5 25 Net due to related foreign offices 137.3 178.6 190.4 213.9 210.8 197.6 228.0 223.6 226.4 217.3 205.4 205.4 26 Other liabilities 161.0 176.8 164.6 166.4 164.7 164.3 177.8 177.4 174.8 188.7 175.5 180.7 27 TOTAL LIABILITIES 2,441.5 2,609.5 2,605.1 2,613.2 2,616.5 2,643.5 2,674.2 2,672.7 2,679.1 2,670.7 2,692.8 2,653.7 28 Residual (assets less liabilities) (7) 284.4 279.8 281.4 276.1 281.2 282.3 279.6 285.8 287.5 281.1 290.6 292.9 ------------------------------------------------- Footnotes appear on page 14. 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 July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,755.8 1,846.1 1,872.5 1,891.9 1,906.2 1,915.9 1,932.1 1,954.8 1,954.9 1,973.4 1,973.9 1,971.1 2 Securities in bank credit 500.7 509.5 515.6 519.8 518.3 517.4 518.9 519.9 519.7 521.6 524.5 525.9 3 U.S. government securities 369.1 368.7 375.5 380.7 378.6 377.0 376.5 376.1 375.2 377.8 379.3 376.9 4 Other securities 131.6 140.8 140.1 139.1 139.7 140.4 142.4 143.8 144.5 143.8 145.3 149.0 5 Loans and leases in bank credit (2) 1,255.0 1,336.6 1,356.9 1,372.1 1,387.9 1,398.6 1,413.2 1,434.8 1,435.3 1,451.9 1,449.3 1,445.2 6 Commercial and industrial 238.1 256.5 261.2 264.7 269.0 271.4 274.8 278.6 278.2 282.1 283.8 283.6 7 Real estate 666.7 716.1 726.7 737.1 746.3 753.3 763.3 773.0 773.2 779.4 778.1 775.2 8 Revolving home equity 35.3 37.4 38.0 38.7 39.5 40.2 41.0 41.2 40.9 41.3 41.4 41.4 9 Other 631.5 678.7 688.6 698.4 706.9 713.1 722.3 731.8 732.4 738.1 736.7 733.8 10 Consumer 262.0 269.5 274.8 275.7 276.6 277.7 279.9 285.9 287.2 292.7 287.1 286.2 11 Security (3) 6.2 7.0 6.6 6.8 6.9 7.1 6.6 6.9 6.8 6.8 7.3 7.3 12 Other loans and leases 82.1 87.5 87.6 87.8 89.0 89.1 88.6 90.4 89.9 90.9 93.0 92.9 13 Interbank loans 63.8 64.3 63.3 65.6 66.2 72.6 69.6 72.1 73.8 74.0 75.1 79.3 14 Cash assets (4) 80.7 87.3 83.7 81.9 81.1 82.4 84.5 82.3 83.6 80.0 84.2 90.9 15 Other assets (5) 90.6 100.1 103.7 103.5 103.0 104.7 108.8 107.8 106.8 105.8 109.4 95.4 16 TOTAL ASSETS (6) 1,967.5 2,073.7 2,099.1 2,118.6 2,131.9 2,150.9 2,169.9 2,191.4 2,193.7 2,206.9 2,216.4 2,210.5 L I A B I L I T I E S 17 Deposits 1,490.8 1,556.9 1,571.3 1,582.4 1,592.0 1,610.0 1,615.5 1,645.6 1,642.1 1,661.1 1,680.8 1,687.7 18 Transaction 302.3 299.0 302.2 302.1 303.3 304.8 304.4 299.0 301.8 307.1 299.2 310.0 19 Nontransaction 1,188.5 1,257.9 1,269.1 1,280.2 1,288.7 1,305.2 1,311.1 1,346.6 1,340.2 1,354.0 1,381.6 1,377.7 20 Large time 220.9 240.0 243.1 247.6 250.5 252.9 256.6 262.4 262.8 263.6 262.7 262.6 21 Other 967.6 1,017.9 1,026.0 1,032.6 1,038.2 1,052.3 1,054.5 1,084.2 1,077.5 1,090.4 1,118.9 1,115.1 22 Borrowings 277.1 306.2 324.7 326.6 334.6 338.0 345.3 339.4 341.6 335.5 329.4 330.1 23 From banks in the U.S. 142.5 145.6 153.9 156.0 160.2 157.4 161.6 157.7 157.9 158.0 156.4 155.6 24 From others 134.6 160.6 170.8 170.6 174.3 180.7 183.7 181.7 183.7 177.5 172.9 174.5 25 Net due to related foreign offices 4.1 4.5 5.1 5.3 5.4 5.3 6.0 9.1 5.1 17.6 21.7 21.7 26 Other liabilities 52.8 56.1 55.8 57.6 55.6 54.5 57.4 55.8 59.4 49.6 49.7 46.0 27 TOTAL LIABILITIES 1,824.9 1,923.7 1,956.8 1,971.8 1,987.6 2,007.9 2,024.1 2,049.9 2,048.2 2,063.8 2,081.5 2,085.4 28 Residual (assets less liabilities) (7) 142.6 150.0 142.3 146.7 144.3 143.0 145.8 141.5 145.6 143.1 134.9 125.1 ------------------------------------------------- Footnotes appear on page 14. 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 July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,761.0 1,846.5 1,866.1 1,879.2 1,900.0 1,919.3 1,938.9 1,960.4 1,960.2 1,980.1 1,975.2 1,974.0 2 Securities in bank credit 502.8 509.0 513.9 516.5 519.3 521.8 522.7 521.8 521.8 523.0 523.3 525.7 3 U.S. government securities 371.5 368.1 374.0 378.2 379.9 380.2 379.8 378.4 377.8 379.9 378.9 377.5 4 Other securities 131.3 140.9 139.9 138.3 139.4 141.6 142.9 143.5 144.0 143.1 144.5 148.2 5 Loans and leases in bank credit (2) 1,258.2 1,337.5 1,352.2 1,362.7 1,380.7 1,397.5 1,416.2 1,438.6 1,438.4 1,457.1 1,451.8 1,448.3 6 Commercial and industrial 239.8 256.1 260.3 263.6 269.1 273.6 277.4 280.6 280.1 284.2 285.4 284.5 7 Real estate 667.8 715.5 724.3 732.5 743.1 751.9 763.6 774.1 773.4 781.1 777.6 776.2 8 Revolving home equity 35.2 37.6 38.0 38.5 39.2 40.0 40.9 41.2 40.8 41.2 41.2 41.3 9 Other 632.6 677.9 686.3 694.0 703.9 711.8 722.6 732.9 732.6 739.9 736.5 734.9 10 Consumer 261.5 271.8 275.4 274.7 274.8 276.7 280.0 285.8 287.3 292.7 287.1 286.2 10a Credit card and related plans -- -- -- -- -- -- -- -- -- 124.1 121.1 120.4 10h Other -- -- -- -- -- -- -- -- -- 168.6 166.0 165.8 11 Security (3) 6.2 7.0 6.6 6.8 6.9 7.1 6.6 6.9 6.8 6.8 7.3 7.3 12 Other loans and leases 82.9 87.1 85.6 85.1 86.8 88.2 88.6 91.2 90.6 92.2 94.4 94.1 13 Interbank loans 60.7 68.7 63.5 66.8 69.3 74.2 65.7 68.4 66.4 64.8 75.8 75.9 14 Cash assets (4) 79.9 91.6 85.1 81.5 79.0 81.8 84.3 81.7 80.8 79.9 90.4 88.7 15 Other assets (5) 90.3 99.6 101.7 102.5 102.9 105.6 108.0 107.7 104.8 107.4 115.3 96.3 16 TOTAL ASSETS (6) 1,968.5 2,082.2 2,092.3 2,105.7 2,126.7 2,156.1 2,171.7 2,192.6 2,186.7 2,206.0 2,230.5 2,208.7 L I A B I L I T I E S 17 Deposits 1,488.7 1,565.7 1,566.3 1,573.8 1,590.1 1,617.2 1,614.7 1,643.0 1,630.4 1,651.4 1,690.0 1,683.4 18 Transaction 302.7 309.9 303.8 298.7 301.1 306.7 301.9 299.6 296.4 305.9 309.7 307.4 19 Nontransaction 1,186.0 1,255.9 1,262.5 1,275.1 1,289.0 1,310.5 1,312.8 1,343.4 1,334.0 1,345.5 1,380.3 1,376.0 20 Large time 220.9 240.0 243.1 247.6 250.5 252.9 256.6 262.4 262.8 263.6 262.7 262.6 21 Other 965.1 1,015.9 1,019.4 1,027.5 1,038.4 1,057.6 1,056.3 1,081.0 1,071.2 1,081.9 1,117.6 1,113.4 22 Borrowings 278.2 308.7 323.1 322.4 328.5 334.4 346.7 341.2 347.2 345.6 330.6 330.8 23 From banks in the U.S. 143.4 147.1 153.3 153.4 156.7 155.0 161.0 159.4 160.8 164.4 158.5 157.1 24 From others 134.8 161.6 169.8 169.0 171.8 179.4 185.7 181.8 186.4 181.2 172.1 173.7 25 Net due to related foreign offices 4.1 4.5 5.1 5.3 5.4 5.3 6.0 9.1 5.1 17.6 21.7 21.7 26 Other liabilities 52.6 56.2 55.5 58.0 56.0 55.2 57.4 55.5 59.0 49.3 48.7 45.1 27 TOTAL LIABILITIES 1,823.6 1,935.2 1,950.0 1,959.5 1,979.9 2,012.1 2,024.8 2,048.9 2,041.7 2,063.9 2,090.9 2,081.1 28 Residual (assets less liabilities) (7) 144.9 147.0 142.2 146.2 146.8 144.0 146.9 143.7 145.0 142.1 139.6 127.7 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 11 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 538.7 548.3 548.3 540.9 544.2 568.2 581.6 573.5 576.7 571.7 571.1 568.7 2 Securities in bank credit 199.2 202.4 201.1 191.9 194.8 201.2 207.3 201.3 202.7 198.3 197.4 196.6 3 U.S. government securities 87.4 80.7 81.0 75.8 77.8 79.2 79.3 78.5 78.8 78.8 79.6 77.6 4 Other securities 111.8 121.6 120.1 116.1 117.0 121.9 128.0 122.8 123.9 119.5 117.8 118.9 5 Loans and leases in bank credit (2) 339.6 346.0 347.2 349.0 349.4 367.0 374.4 372.2 374.0 373.4 373.7 372.1 6 Commercial and industrial 199.1 193.4 195.0 196.7 198.2 201.7 207.5 207.7 209.0 205.7 205.5 205.0 7 Real estate 19.0 17.0 17.4 17.8 18.1 18.5 18.7 19.0 19.2 19.3 19.0 18.9 11 Security (3) 51.8 67.1 66.8 66.7 66.4 77.7 80.7 80.8 80.6 84.8 84.1 82.5 12 Other loans and leases 69.6 68.5 68.0 67.8 66.7 69.1 67.4 64.7 65.1 63.7 65.0 65.8 13 Interbank loans 24.8 29.5 28.9 32.6 28.4 29.3 31.7 28.4 29.7 31.5 27.3 26.6 14 Cash assets (4) 36.3 53.4 52.4 51.4 48.8 48.9 45.3 46.0 46.3 46.0 46.2 46.1 15 Other assets (5) 33.7 36.6 38.6 38.2 39.1 39.8 40.8 43.2 44.9 44.0 45.1 41.5 16 TOTAL ASSETS (6) 633.3 667.6 667.9 662.8 660.2 685.8 699.1 690.8 697.3 692.9 689.4 682.4 L I A B I L I T I E S 17 Deposits 308.3 374.1 379.7 379.4 381.9 392.4 387.2 387.4 390.3 388.6 389.2 386.6 18 Transaction 10.8 10.5 10.8 11.1 11.3 11.1 11.4 11.7 11.7 10.5 12.4 11.5 19 Nontransaction 297.5 363.6 368.9 368.4 370.6 381.3 375.8 375.7 378.6 378.1 376.8 375.1 22 Borrowings 183.3 181.5 179.5 175.6 177.5 200.3 205.3 205.8 206.0 207.2 213.4 204.0 23 From banks in the U.S. 26.3 24.4 19.7 18.3 19.5 20.6 17.7 18.7 19.4 18.4 26.0 19.6 24 From others 157.1 157.1 159.8 157.4 158.1 179.7 187.7 187.1 186.5 188.9 187.4 184.4 25 Net due to related foreign offices 71.2 39.1 35.6 26.8 19.9 15.0 20.1 18.5 16.8 19.5 17.9 16.6 26 Other liabilities 63.7 69.4 70.0 71.5 69.2 70.7 77.2 70.0 72.2 66.6 67.8 66.5 27 TOTAL LIABILITIES 626.5 664.1 664.7 653.4 648.6 678.4 689.9 681.7 685.2 681.8 688.3 673.7 28 Residual (assets less liabilities) (7) 6.7 3.5 3.2 9.4 11.6 7.4 9.2 9.1 12.0 11.1 1.1 8.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 12 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 530.9 558.4 556.1 545.1 542.8 561.9 573.2 564.0 564.7 563.5 562.5 557.3 2 Securities in bank credit 194.8 206.1 205.0 193.2 191.9 197.6 204.3 195.5 195.3 192.6 191.5 189.4 3 U.S. government securities 87.5 82.1 81.6 75.9 77.7 80.0 80.3 78.5 78.2 78.9 79.5 76.4 3a Trading account 21.1 6.7 7.9 7.4 9.5 12.0 12.5 12.0 11.3 12.6 13.1 10.1 3b Investment account 66.4 75.4 73.7 68.5 68.2 67.9 67.7 66.5 66.9 66.2 66.4 66.3 4 Other securities 107.4 124.0 123.4 117.3 114.2 117.7 124.0 116.9 117.1 113.8 112.0 113.0 4a Trading account 63.7 80.8 78.3 74.4 71.9 74.9 81.4 75.1 74.7 72.0 70.4 71.9 4b Investment account 43.7 43.2 45.1 42.9 42.3 42.8 42.6 41.9 42.3 41.8 41.6 41.2 5 Loans and leases in bank credit (2) 336.1 352.3 351.0 352.0 350.9 364.3 369.0 368.5 369.4 370.9 371.0 367.8 6 Commercial and industrial 196.2 197.0 196.5 199.2 199.8 199.9 203.2 204.4 205.8 203.0 203.0 202.1 7 Real estate 18.9 16.9 17.6 18.0 18.3 18.3 18.7 18.9 19.1 19.0 18.8 18.7 11 Security (3) 52.0 67.5 67.2 66.5 66.6 77.8 80.6 81.1 80.5 85.6 84.2 81.8 12 Other loans and leases 69.0 70.8 69.7 68.2 66.2 68.3 66.5 64.2 63.9 63.2 65.0 65.2 13 Interbank loans 24.8 29.5 28.9 32.6 28.4 29.3 31.7 28.4 29.7 31.5 27.3 26.6 14 Cash assets (4) 35.8 57.7 54.6 50.8 47.8 46.7 44.1 45.2 45.5 45.3 45.1 44.3 15 Other assets (5) 32.1 38.7 40.1 40.1 40.4 39.0 40.3 41.0 42.0 40.9 42.4 39.7 16 TOTAL ASSETS (6) 623.4 684.0 679.3 668.3 659.0 676.6 688.9 678.3 681.6 681.0 677.0 667.5 L I A B I L I T I E S 17 Deposits 305.3 382.6 386.5 386.5 388.0 393.5 388.1 383.0 385.2 382.9 377.9 377.9 18 Transaction 10.5 11.1 10.9 11.0 11.0 10.7 11.0 11.3 11.3 10.6 12.6 11.3 19 Nontransaction 294.8 371.4 375.6 375.5 377.0 382.8 377.1 371.7 374.0 372.3 365.3 366.6 22 Borrowings 183.3 181.5 179.5 175.6 177.5 200.3 205.3 205.8 206.0 207.2 213.4 204.0 23 From banks in the U.S. 26.3 24.4 19.7 18.3 19.5 20.6 17.7 18.7 19.4 18.4 26.0 19.6 24 From others 157.1 157.1 159.8 157.4 158.1 179.7 187.7 187.1 186.5 188.9 187.4 184.4 25 Net due to related foreign offices 69.6 44.3 37.9 29.1 20.5 10.2 15.8 17.0 16.2 21.5 16.0 16.0 26 Other liabilities 62.5 71.5 71.7 73.5 69.5 68.9 75.8 68.6 70.4 65.2 65.8 65.1 27 TOTAL LIABILITIES 620.7 679.9 675.6 664.7 655.6 673.0 685.0 674.4 677.8 676.9 673.1 663.0 28 Residual (assets less liabilities) (7) 2.7 4.2 3.8 3.6 3.5 3.7 3.9 3.9 3.7 4.1 3.9 4.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars July 21, 2000 Account 1999 1999 2000 2000 2000 2000 2000 2000 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 21 Jun 28 Jul 5 Jul 12 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (8) 52.5 64.2 62.4 64.5 65.7 65.1 72.4 66.2 65.4 68.1 58.8 59.9 30 Reval. losses on off-bal. sheet items (8) 55.1 63.7 61.7 64.2 64.0 65.0 72.9 66.4 65.9 68.4 58.2 59.3 31 Mortgage-backed securities (9) 237.6 249.4 251.6 250.9 252.2 253.9 251.1 248.5 248.0 245.4 246.6 246.0 31a Pass-through 161.8 172.7 175.3 174.5 175.8 178.6 177.0 176.8 176.6 175.3 176.8 176.1 31b CMO, REMIC, and other 75.8 76.7 76.4 76.4 76.4 75.2 74.0 71.7 71.5 70.1 69.9 69.8 32 Net unrealized gains (losses) on -0.8 -11.3 -13.8 -14.6 -13.6 -15.6 -17.2 -15.6 -16.8 -12.7 -10.6 -10.7 available-for-sale securities (10) 33 Offshore credit to U.S. residents (11) 37.0 24.0 23.2 23.6 24.1 24.4 23.5 22.4 22.5 22.5 22.3 22.3 34 Securitized consumer loans (12) -- -- -- -- -- -- -- -- -- 87.8 86.5 86.4 34a Credit card and related plans -- -- -- -- -- -- -- -- -- 72.5 71.4 71.4 34b Other -- -- -- -- -- -- -- -- -- 15.3 15.1 15.0 35 Securitized business loans (12) -- -- -- -- -- -- -- -- -- n.a. n.a. n.a. SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (9) 195.7 198.1 202.0 204.7 206.3 207.4 207.0 205.4 204.9 205.5 205.1 205.8 34 Securitized consumer loans (12) -- -- -- -- -- -- -- -- -- 202.5 205.7 206.3 34a Credit card and related plans -- -- -- -- -- -- -- -- -- 196.2 197.4 196.9 34b Other -- -- -- -- -- -- -- -- -- 6.3 8.4 9.4 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (8) 37.8 39.6 39.8 40.2 39.3 39.4 44.8 38.7 39.4 35.8 35.0 35.0 30 Reval. losses on off-bal. sheet items (8) 36.7 38.6 39.0 40.0 38.2 38.4 44.3 37.6 38.4 34.8 33.9 34.9 35 Securitized business loans (12) -- -- -- -- -- -- -- -- -- n.a. n.a. n.a. ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 July 21, 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. 12. Total amount outstanding.