H.8 (510) ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For immediate release Seasonally adjusted, billions of dollars August 16, 1996 Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,533.2 3,633.7 3,647.6 3,641.4 3,659.3 3,663.4 3,668.1 3,671.3 3,677.4 3,675.5 3,664.7 3,670.6 2 Securities in bank credit 982.8 991.4 998.5 983.3 982.0 988.4 980.0 974.8 979.2 975.2 967.1 974.3 3 U.S. government securities 703.9 703.1 716.2 705.9 705.7 714.5 707.9 707.7 706.6 708.9 707.0 705.0 4 Other securities 278.8 288.3 282.3 277.5 276.3 274.0 272.2 267.1 272.6 266.4 260.1 269.3 5 Loans and leases in bank credit (2) 2,550.4 2,642.3 2,649.1 2,658.1 2,677.3 2,674.9 2,688.1 2,696.5 2,698.2 2,700.2 2,697.7 2,696.3 6 Commercial and industrial 697.7 723.6 728.0 726.9 732.8 735.0 738.0 741.4 742.6 742.9 742.5 740.8 7 Real estate 1,062.2 1,086.4 1,090.0 1,095.4 1,097.2 1,098.9 1,102.2 1,103.5 1,103.4 1,104.3 1,105.8 1,106.9 7a Revolving home equity 78.0 79.7 80.0 80.0 80.2 79.8 79.4 79.8 79.9 79.8 80.0 80.3 7b Other 984.2 1,006.7 1,010.0 1,015.4 1,017.1 1,019.2 1,022.8 1,023.7 1,023.6 1,024.5 1,025.8 1,026.6 8 Consumer 481.0 500.2 500.3 503.8 507.4 504.9 510.1 512.0 511.9 512.8 511.8 512.3 9 Security (3) 87.1 85.0 85.7 84.9 85.9 82.6 82.1 80.3 80.5 80.4 76.8 77.3 10 Other 222.4 247.1 245.1 247.1 254.0 253.5 255.7 259.3 259.7 259.8 260.8 258.9 11 Interbank loans (4) 192.8 203.2 192.3 202.6 208.8 208.7 207.0 199.6 198.3 198.8 203.1 200.0 12 Cash assets (5) 213.8 233.3 219.6 216.4 222.5 219.4 216.6 216.9 219.7 214.7 227.0 223.7 13 Other assets (6) 225.4 237.9 243.0 242.0 243.6 242.9 253.4 265.1 264.7 265.8 266.9 260.1 14 Total assets (7) 4,108.2 4,251.3 4,245.8 4,245.5 4,277.1 4,277.3 4,287.9 4,295.1 4,302.3 4,296.9 4,303.7 4,296.5 L I A B I L I T I E S 15 Deposits 2,609.0 2,687.5 2,681.7 2,702.6 2,718.7 2,717.7 2,721.5 2,728.5 2,726.4 2,732.5 2,736.9 2,736.9 16 Transaction 792.0 782.9 765.5 766.7 770.1 756.4 749.8 742.6 740.0 749.0 752.8 743.2 17 Nontransaction 1,817.0 1,904.7 1,916.2 1,935.9 1,948.7 1,961.3 1,971.7 1,985.9 1,986.5 1,983.4 1,984.1 1,993.7 18 Large time 402.0 422.0 426.4 429.1 433.4 440.1 445.4 448.1 448.7 447.4 445.8 449.0 19 Other 1,415.0 1,482.7 1,489.8 1,506.8 1,515.3 1,521.3 1,526.2 1,537.8 1,537.8 1,536.1 1,538.3 1,544.6 20 Borrowings 685.8 705.1 691.8 688.7 710.5 710.4 702.3 692.5 694.6 695.9 697.5 697.0 21 From banks in the U.S. 195.5 206.6 192.6 204.0 207.6 207.3 203.6 200.2 203.4 197.4 201.3 196.2 22 From nonbanks in the U.S. 490.3 498.5 499.2 484.7 502.9 503.1 498.7 492.3 491.2 498.4 496.2 500.8 23 Net due to related foreign offices 235.5 270.2 276.6 261.6 254.6 256.1 255.1 248.1 251.5 240.9 248.1 255.9 24 Other liabilities (8) 213.7 231.6 233.8 224.1 231.7 219.9 226.9 225.2 227.7 225.5 221.9 219.6 25 Total liabilities 3,744.0 3,894.4 3,883.9 3,877.0 3,915.5 3,904.0 3,905.7 3,894.4 3,900.3 3,894.8 3,904.3 3,909.4 26 Residual (assets less liabilities) (9) 364.2 356.9 361.8 368.6 361.6 373.3 382.1 400.7 402.0 402.1 399.4 387.1 H.8 (510) ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,526.0 3,624.5 3,639.3 3,635.8 3,660.5 3,660.3 3,664.9 3,663.9 3,669.4 3,660.7 3,661.5 3,668.8 2 Securities in bank credit 979.6 979.0 993.5 987.8 987.3 992.9 981.2 971.3 973.3 971.7 966.8 976.5 3 U.S. government securities 701.9 697.8 711.6 710.2 711.8 715.3 708.0 705.4 703.6 706.6 706.5 707.5 4 Other securities 277.7 281.3 282.0 277.6 275.5 277.7 273.2 265.9 269.6 265.1 260.3 269.1 5 Loans and leases in bank credit (2) 2,546.4 2,645.5 2,645.7 2,648.0 2,673.2 2,667.4 2,683.7 2,692.6 2,696.1 2,689.1 2,694.7 2,692.3 6 Commercial and industrial 698.5 720.6 726.1 730.9 738.6 740.5 741.0 742.5 744.1 742.0 742.0 740.2 7 Real estate 1,062.1 1,086.2 1,086.9 1,089.8 1,093.4 1,095.9 1,100.8 1,103.3 1,103.7 1,103.3 1,104.8 1,106.3 7a Revolving home equity 78.1 79.5 79.5 79.2 79.6 79.7 79.3 79.9 80.0 79.9 80.2 80.4 7b Other 984.0 1,006.6 1,007.4 1,010.6 1,013.8 1,016.2 1,021.5 1,023.4 1,023.7 1,023.3 1,024.7 1,025.9 8 Consumer 478.5 504.8 500.8 499.5 504.7 503.2 506.3 509.3 509.1 510.6 510.5 510.3 9 Security (3) 84.3 86.9 88.7 84.8 86.7 78.4 80.0 77.8 78.4 76.4 76.2 75.8 10 Other 223.0 247.0 243.2 243.0 249.7 249.5 255.6 259.7 260.8 256.8 261.2 259.7 11 Interbank loans (4) 189.6 212.2 194.2 200.5 205.9 202.2 203.3 196.8 193.5 188.9 203.3 195.8 12 Cash assets (5) 211.7 240.8 220.4 209.2 217.0 216.7 214.6 214.6 215.7 200.2 228.6 210.9 13 Other assets (6) 225.6 238.6 242.3 240.5 241.1 243.8 253.0 265.9 263.7 262.9 270.7 264.2 14 Total assets (7) 4,096.2 4,259.5 4,239.4 4,228.9 4,267.5 4,266.1 4,278.5 4,283.6 4,284.7 4,255.1 4,306.4 4,282.0 L I A B I L I T I E S 15 Deposits 2,601.6 2,694.3 2,672.7 2,688.9 2,715.6 2,707.4 2,718.3 2,721.6 2,715.7 2,693.9 2,737.1 2,730.0 16 Transaction 784.2 794.6 758.3 751.9 769.1 744.0 743.3 735.5 729.1 712.3 752.4 731.3 17 Nontransaction 1,817.4 1,899.7 1,914.4 1,937.0 1,946.6 1,963.4 1,974.9 1,986.1 1,986.6 1,981.6 1,984.8 1,998.7 18 Large time 400.1 419.0 426.9 430.6 433.3 445.5 445.3 446.0 446.7 446.8 445.2 448.2 19 Other 1,417.3 1,480.7 1,487.4 1,506.4 1,513.3 1,517.9 1,529.7 1,540.2 1,540.0 1,534.8 1,539.6 1,550.5 20 Borrowings 695.4 692.2 686.2 680.7 696.6 707.7 711.9 704.7 709.9 701.8 708.9 694.4 21 From banks in the U.S. 193.7 213.6 194.3 199.2 206.4 204.6 205.3 198.4 200.0 190.3 200.7 190.0 22 From nonbanks in the U.S. 501.7 478.6 491.9 481.5 490.2 503.1 506.6 506.2 509.9 511.5 508.2 504.5 23 Net due to related foreign offices 233.8 277.3 278.2 262.2 254.8 258.4 247.6 246.7 245.5 248.9 247.5 247.6 24 Other liabilities (8) 212.9 233.3 234.3 225.5 228.0 222.5 227.7 224.7 226.7 224.4 223.8 219.0 25 Total liabilities 3,743.7 3,897.1 3,871.4 3,857.3 3,895.0 3,896.0 3,905.4 3,897.7 3,897.8 3,869.0 3,917.4 3,891.1 26 Residual (assets less liabilities) (9) 352.5 362.3 368.0 371.6 372.5 370.1 373.1 385.9 386.9 386.1 389.0 390.9 H.8 (510) ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,110.0 3,197.5 3,196.2 3,198.2 3,211.6 3,213.6 3,210.6 3,211.6 3,216.9 3,215.2 3,204.2 3,207.4 2 Securities in bank credit 849.4 854.4 852.8 843.3 841.7 845.4 835.7 833.0 836.6 834.5 825.0 829.6 3 U.S. government securities 639.9 639.9 642.7 634.7 634.2 636.6 628.5 627.0 626.2 628.8 625.6 622.9 4 Other securities 209.5 214.6 210.1 208.6 207.6 208.9 207.1 206.0 210.3 205.7 199.4 206.6 5 Loans and leases in bank credit (2) 2,260.6 2,343.0 2,343.4 2,354.9 2,369.8 2,368.2 2,374.9 2,378.6 2,380.3 2,380.7 2,379.2 2,377.8 6 Commercial and industrial 522.9 540.3 541.0 541.4 545.8 548.0 548.0 548.9 549.5 549.3 549.4 548.8 7 Real estate 1,024.3 1,051.1 1,055.7 1,062.1 1,064.0 1,065.9 1,069.4 1,070.2 1,070.2 1,071.2 1,072.1 1,073.4 7a Revolving home equity 78.0 79.7 79.9 80.0 80.1 79.7 79.3 79.8 79.8 79.8 79.9 80.3 7b Other 946.3 971.5 975.8 982.2 983.9 986.1 990.0 990.4 990.4 991.4 992.2 993.1 8 Consumer 481.0 500.2 500.3 503.8 507.4 504.9 510.1 512.0 511.9 512.8 511.8 512.3 9 Security (3) 51.9 55.5 52.2 51.2 52.9 50.7 46.8 46.1 46.7 45.6 43.3 43.7 10 Other 180.5 195.8 194.2 196.5 199.7 198.8 200.7 201.4 202.0 201.7 202.6 199.7 11 Interbank loans (4) 171.4 181.4 171.6 181.8 187.8 187.4 184.6 180.4 177.9 179.8 184.9 179.1 12 Cash assets (5) 187.0 202.2 190.3 189.1 196.3 193.2 191.4 191.6 194.3 189.4 201.8 198.3 13 Other assets (6) 171.6 182.7 186.4 187.0 188.7 187.5 201.2 215.5 215.1 216.1 217.6 212.4 14 Total assets (7) 3,582.9 3,706.9 3,687.9 3,699.3 3,727.3 3,724.8 3,730.6 3,741.3 3,746.4 3,742.6 3,750.6 3,739.3 L I A B I L I T I E S 15 Deposits 2,445.1 2,523.6 2,516.9 2,534.6 2,549.2 2,545.1 2,549.3 2,554.0 2,551.9 2,559.1 2,563.0 2,562.2 16 Transaction 782.5 772.1 754.8 756.8 759.5 745.4 739.0 732.0 729.4 738.3 742.0 732.3 17 Nontransaction 1,662.5 1,751.5 1,762.0 1,777.8 1,789.7 1,799.7 1,810.4 1,822.0 1,822.5 1,820.8 1,821.0 1,829.9 18 Large time 248.3 272.3 274.4 273.3 275.7 279.5 283.1 285.5 286.3 285.8 283.8 286.2 19 Other 1,414.3 1,479.2 1,487.7 1,504.4 1,513.9 1,520.2 1,527.2 1,536.5 1,536.2 1,535.0 1,537.2 1,543.7 20 Borrowings 567.2 590.8 574.1 576.9 591.1 585.4 582.3 576.1 579.8 576.3 580.3 580.6 21 From banks in the U.S. 176.4 185.2 173.1 183.5 184.4 183.9 183.3 180.6 183.8 175.7 181.7 176.0 22 From nonbanks in the U.S. 390.7 405.7 401.0 393.4 406.7 401.5 398.9 395.5 396.1 400.6 398.6 404.6 23 Net due to related foreign offices 82.9 93.0 90.5 81.3 84.6 88.2 79.7 76.1 76.4 74.8 74.4 79.9 24 Other liabilities (8) 137.2 152.7 153.9 147.1 154.8 146.4 155.9 155.8 158.0 155.8 153.5 151.8 25 Total liabilities 3,232.3 3,360.2 3,335.4 3,339.9 3,379.6 3,365.1 3,367.1 3,361.9 3,366.2 3,366.0 3,371.3 3,374.5 26 Residual (assets less liabilities) (9) 350.6 346.7 352.4 359.3 347.6 359.7 363.5 379.4 380.2 376.6 379.3 364.8 H.8 (510) ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,102.4 3,185.8 3,188.2 3,191.1 3,214.4 3,214.0 3,210.9 3,203.6 3,207.6 3,199.5 3,199.9 3,203.2 2 Securities in bank credit 845.4 843.4 848.9 846.6 847.0 848.7 839.0 829.0 830.5 829.0 823.1 829.9 3 U.S. government securities 638.0 632.7 638.6 637.8 639.9 638.2 629.8 625.0 623.6 625.5 624.6 624.4 4 Other securities 207.4 210.7 210.3 208.8 207.1 210.5 209.2 204.0 206.9 203.5 198.5 205.5 5 Loans and leases in bank credit (2) 2,257.0 2,342.4 2,339.3 2,344.5 2,367.4 2,365.3 2,371.9 2,374.6 2,377.0 2,370.5 2,376.8 2,373.3 6 Commercial and industrial 522.9 537.2 540.2 544.5 551.7 553.5 550.5 548.9 549.5 547.4 548.7 546.8 7 Real estate 1,024.2 1,051.0 1,052.4 1,056.4 1,060.6 1,063.0 1,068.0 1,070.1 1,070.4 1,070.1 1,071.4 1,072.9 7a Revolving home equity 78.1 79.5 79.5 79.2 79.5 79.6 79.3 79.9 79.9 79.9 80.1 80.3 7b Other 946.1 971.5 973.0 977.2 981.0 983.3 988.8 990.2 990.5 990.2 991.3 992.5 8 Consumer 478.5 504.8 500.8 499.5 504.7 503.2 506.3 509.3 509.1 510.6 510.5 510.3 9 Security (3) 50.5 53.9 53.2 51.3 53.9 49.5 47.0 44.8 45.5 43.4 43.1 42.9 10 Other 180.9 195.5 192.6 192.9 196.6 196.2 200.0 201.6 202.5 199.0 203.0 200.3 11 Interbank loans (4) 168.2 189.1 175.3 180.5 185.7 180.8 182.6 177.6 174.3 169.8 184.2 176.7 12 Cash assets (5) 184.4 210.0 192.2 182.2 191.4 191.0 188.6 188.9 190.0 174.5 202.9 185.2 13 Other assets (6) 172.5 183.7 185.2 186.3 187.9 187.7 201.0 216.8 214.7 213.8 221.6 215.0 14 Total assets (7) 3,570.9 3,712.0 3,684.2 3,683.1 3,722.5 3,716.6 3,725.8 3,729.5 3,729.1 3,700.0 3,750.9 3,722.3 L I A B I L I T I E S 15 Deposits 2,439.4 2,529.4 2,508.2 2,520.6 2,548.4 2,533.3 2,544.0 2,549.3 2,543.4 2,521.6 2,564.7 2,557.4 16 Transaction 774.8 783.8 747.7 742.2 759.0 733.7 732.8 724.8 718.4 701.6 741.7 720.6 17 Nontransaction 1,664.7 1,745.7 1,760.5 1,778.3 1,789.4 1,799.6 1,811.2 1,824.5 1,825.0 1,820.0 1,823.0 1,836.8 18 Large time 248.3 269.6 275.8 273.8 277.1 282.7 283.0 285.6 286.3 286.5 284.9 287.8 19 Other 1,416.3 1,476.0 1,484.7 1,504.6 1,512.4 1,516.9 1,528.2 1,538.9 1,538.7 1,533.5 1,538.1 1,549.0 20 Borrowings 571.6 581.7 573.2 569.5 576.3 584.5 587.6 582.8 588.1 579.9 586.9 572.4 21 From banks in the U.S. 173.5 192.1 175.6 178.5 184.1 182.8 183.4 177.8 179.3 169.6 180.0 169.3 22 From nonbanks in the U.S. 398.1 389.6 397.6 390.9 392.2 401.7 404.2 405.0 408.7 410.3 406.9 403.1 23 Net due to related foreign offices 81.8 92.9 92.3 84.5 85.0 93.2 78.5 75.1 73.9 77.1 75.7 75.7 24 Other liabilities (8) 137.0 153.4 152.3 148.8 152.8 147.9 156.2 155.8 157.7 155.4 154.8 149.9 25 Total liabilities 3,229.9 3,357.4 3,326.0 3,323.4 3,362.4 3,358.9 3,366.3 3,363.0 3,363.2 3,334.0 3,382.1 3,355.5 26 Residual (assets less liabilities) (9) 341.0 354.6 358.2 359.7 360.1 357.6 359.5 366.5 365.9 366.0 368.7 366.9 H.8 (510) ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,392.4 1,444.1 1,448.4 1,460.2 1,469.1 1,472.5 1,481.3 1,487.5 1,487.8 1,491.0 1,492.1 1,493.2 2 Securities in bank credit 418.3 426.3 426.1 429.4 431.5 433.0 433.5 434.3 434.0 435.6 434.5 433.9 3 U.S. government securities 336.0 342.7 341.9 344.3 346.5 348.0 348.8 349.9 349.7 351.1 350.1 349.6 4 Other securities 82.2 83.6 84.2 85.2 85.0 85.1 84.6 84.4 84.4 84.5 84.4 84.4 5 Loans and leases in bank credit (2) 974.1 1,017.8 1,022.3 1,030.8 1,037.6 1,039.5 1,047.8 1,053.3 1,053.8 1,055.3 1,057.6 1,059.3 6 Commercial and industrial 171.7 181.3 182.3 182.5 184.1 186.1 187.3 187.9 188.0 187.9 188.5 188.8 7 Real estate 506.3 522.8 525.5 529.8 533.4 537.8 542.2 545.9 546.3 547.6 548.9 549.6 7a Revolving home equity 28.6 29.8 30.0 30.0 30.2 29.9 29.9 30.0 30.0 30.0 30.1 30.3 7b Other 477.6 493.0 495.5 499.8 503.2 507.8 512.3 516.0 516.3 517.6 518.8 519.3 8 Consumer 226.1 241.3 242.3 245.7 247.3 243.6 245.6 247.5 247.5 247.8 248.1 248.3 9 Security (3) 5.6 5.7 5.6 5.8 5.6 5.3 5.4 5.4 5.4 5.3 5.3 5.5 10 Other 64.4 66.6 66.5 67.0 67.3 66.8 67.4 66.6 66.6 66.8 66.8 67.0 11 Interbank loans (4) 59.7 66.9 65.1 66.5 62.4 57.8 58.5 56.3 56.6 55.5 55.0 57.6 12 Cash assets (5) 67.5 71.2 69.1 71.3 72.3 71.1 71.5 69.8 69.6 68.8 72.3 75.1 13 Other assets (6) 51.0 53.8 55.5 53.3 54.0 53.5 55.6 60.2 59.9 59.2 62.3 54.2 14 Total assets (7) 1,550.6 1,615.2 1,617.1 1,630.2 1,636.6 1,633.8 1,645.5 1,652.2 1,652.3 1,652.8 1,660.0 1,658.4 L I A B I L I T I E S 15 Deposits 1,212.2 1,258.3 1,261.3 1,271.7 1,274.6 1,273.9 1,278.1 1,278.5 1,280.0 1,279.4 1,281.7 1,282.4 16 Transaction 348.8 352.6 349.8 352.0 349.4 342.5 342.8 337.6 337.4 338.4 340.4 340.9 17 Nontransaction 863.3 905.7 911.6 919.7 925.2 931.4 935.2 940.8 942.6 941.0 941.2 941.5 18 Large time 136.2 150.8 152.7 152.1 153.1 154.1 153.9 154.3 154.9 154.2 154.2 154.7 19 Other 727.1 754.9 758.9 767.7 772.1 777.3 781.4 786.5 787.7 786.8 787.0 786.8 20 Borrowings 154.7 163.3 163.7 165.8 170.0 167.9 173.3 178.8 177.5 181.1 181.4 183.4 21 From banks in the U.S. 48.3 51.1 48.6 51.9 53.1 53.1 55.1 57.5 57.8 57.0 58.6 57.4 22 From nonbanks in the U.S. 106.4 112.2 115.1 114.0 116.8 114.8 118.2 121.2 119.7 124.1 122.8 126.0 23 Net due to related foreign offices 5.1 5.7 5.9 5.0 4.6 4.2 4.8 5.1 5.7 5.1 4.7 5.0 24 Other liabilities (8) 30.4 33.3 31.6 30.1 30.7 30.7 30.5 31.1 31.2 31.1 31.5 31.1 25 Total liabilities 1,402.4 1,460.6 1,462.5 1,472.6 1,479.9 1,476.6 1,486.6 1,493.5 1,494.3 1,496.6 1,499.3 1,501.9 26 Residual (assets less liabilities) (9) 148.3 154.6 154.7 157.6 156.6 157.1 158.8 158.7 158.0 156.2 160.7 156.4 H.8 (510) ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,717.6 1,753.4 1,747.8 1,738.0 1,742.4 1,741.1 1,729.3 1,724.1 1,729.0 1,724.2 1,712.2 1,714.1 2 Securities in bank credit 431.1 428.1 426.7 413.9 410.2 412.4 402.2 398.8 402.5 398.9 390.5 395.6 3 U.S. government securities 303.8 297.2 300.8 290.4 287.7 288.6 279.7 277.1 276.5 277.6 275.5 273.4 4 Other securities 127.2 130.9 125.9 123.4 122.5 123.8 122.5 121.7 126.0 121.2 115.0 122.3 5 Loans and leases in bank credit (2) 1,286.5 1,325.3 1,321.1 1,324.2 1,332.2 1,328.7 1,327.1 1,325.3 1,326.5 1,325.3 1,321.7 1,318.5 6 Commercial and industrial 351.2 359.0 358.7 358.9 361.7 361.9 360.7 361.0 361.5 361.5 360.9 360.0 7 Real estate 518.0 528.4 530.2 532.3 530.6 528.1 527.2 524.3 523.9 523.6 523.3 523.7 7a Revolving home equity 49.3 49.9 49.9 49.9 50.0 49.8 49.5 49.8 49.8 49.8 49.8 49.9 7b Other 468.7 478.5 480.3 482.4 480.7 478.3 477.8 474.5 474.1 473.8 473.4 473.8 8 Consumer 254.9 258.9 258.0 258.1 260.2 261.3 264.4 264.5 264.4 265.0 263.7 263.9 9 Security (3) 46.4 49.8 46.5 45.4 47.3 45.3 41.4 40.7 41.3 40.3 38.0 38.2 10 Other 116.0 129.2 127.7 129.5 132.4 132.0 133.3 134.8 135.4 134.9 135.9 132.7 11 Interbank loans (4) 111.6 114.5 106.6 115.3 125.4 129.5 126.1 124.1 121.3 124.4 129.9 121.5 12 Cash assets (5) 119.4 131.0 121.2 117.8 124.0 122.1 119.9 121.9 124.7 120.6 129.5 123.3 13 Other assets (6) 120.6 128.9 131.0 133.7 134.7 134.0 145.6 155.3 155.2 156.9 155.4 158.2 14 Total assets (7) 2,032.3 2,091.7 2,070.7 2,069.1 2,090.7 2,091.0 2,085.1 2,089.2 2,094.1 2,089.8 2,090.7 2,081.0 L I A B I L I T I E S 15 Deposits 1,232.9 1,265.3 1,255.6 1,262.9 1,274.6 1,271.2 1,271.3 1,275.5 1,272.0 1,279.6 1,281.4 1,279.8 16 Transaction 433.7 419.5 405.1 404.9 410.1 402.9 396.1 394.3 392.0 399.9 401.6 391.4 17 Nontransaction 799.2 845.8 850.5 858.1 864.4 868.3 875.1 881.2 879.9 879.7 879.8 888.4 18 Large time 112.1 121.5 121.7 121.3 122.6 125.4 129.3 131.2 131.5 131.5 129.6 131.5 19 Other 687.2 724.3 728.8 736.8 741.9 742.9 745.9 750.0 748.5 748.2 750.2 756.9 20 Borrowings 412.5 427.5 410.4 411.1 421.1 417.5 409.0 397.3 402.4 395.3 398.9 397.1 21 From banks in the U.S. 128.2 134.1 124.6 131.6 131.2 130.8 128.3 123.0 126.0 118.8 123.2 118.6 22 From nonbanks in the U.S. 284.3 293.4 285.9 279.4 289.8 286.7 280.7 274.2 276.4 276.5 275.7 278.6 23 Net due to related foreign offices 77.8 87.3 84.6 76.4 80.0 84.0 74.9 71.0 70.8 69.8 69.6 74.9 24 Other liabilities (8) 106.8 119.5 122.3 117.0 124.0 115.7 125.4 124.6 126.8 124.8 122.1 120.7 25 Total liabilities 1,830.0 1,899.6 1,872.9 1,867.3 1,899.7 1,888.5 1,880.5 1,868.4 1,871.9 1,869.4 1,872.0 1,872.6 26 Residual (assets less liabilities) (9) 202.3 192.1 197.8 201.7 191.0 202.6 204.7 220.8 222.2 220.4 218.6 208.4 H.8 (510) ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,447.4 1,495.2 1,499.3 1,507.8 1,516.7 1,519.8 1,517.2 1,492.2 1,493.1 1,491.0 1,492.1 1,493.2 2 Securities in bank credit 429.4 435.7 435.5 437.8 439.8 441.2 439.6 435.2 434.7 435.6 434.5 433.9 3 U.S. government securities 345.1 350.1 349.4 350.9 353.0 354.4 353.5 350.5 350.1 351.2 350.1 349.6 4 Other securities 84.3 85.6 86.1 86.9 86.8 86.8 86.1 84.6 84.6 84.5 84.4 84.4 5 Loans and leases in bank credit (2) 1,018.0 1,059.5 1,063.8 1,070.0 1,076.9 1,078.5 1,077.6 1,057.0 1,058.4 1,055.4 1,057.6 1,059.3 6 Commercial and industrial 178.7 187.9 189.0 188.9 190.6 192.5 192.0 188.6 189.1 187.9 188.5 188.8 7 Real estate 531.3 546.6 549.1 551.8 555.3 559.5 559.4 548.2 548.7 547.6 548.9 549.6 7a Revolving home equity 30.7 31.6 31.8 31.7 31.9 31.6 31.1 30.2 30.3 30.0 30.1 30.3 7b Other 500.7 514.9 517.3 520.1 523.4 527.9 528.3 518.0 518.4 517.6 518.8 519.3 8 Consumer 235.6 250.4 251.2 254.3 256.0 252.3 252.1 248.0 248.3 247.8 248.1 248.3 9 Security (3) 5.8 6.0 5.9 6.0 5.8 5.5 5.5 5.4 5.4 5.3 5.3 5.5 10 Other 66.5 68.7 68.6 69.0 69.2 68.8 68.6 66.8 66.9 66.8 66.8 67.0 11 Interbank loans (4) 62.3 69.3 67.2 68.4 64.4 59.8 59.4 56.4 56.7 55.5 55.0 57.6 12 Cash assets (5) 70.7 74.4 72.0 73.8 75.0 73.7 73.5 70.0 69.9 68.8 72.3 75.1 13 Other assets (6) 53.3 55.9 57.6 55.3 56.0 55.6 57.3 60.4 60.2 59.2 62.3 54.2 14 Total assets (7) 1,612.8 1,673.4 1,674.5 1,683.5 1,690.2 1,687.0 1,685.5 1,657.3 1,658.3 1,652.8 1,660.0 1,658.4 L I A B I L I T I E S 15 Deposits 1,261.9 1,305.0 1,307.3 1,314.8 1,318.0 1,316.7 1,310.8 1,282.9 1,285.0 1,279.5 1,281.7 1,282.4 16 Transaction 363.5 365.3 361.7 362.9 360.6 353.1 350.5 339.0 338.9 338.4 340.5 340.9 17 Nontransaction 898.3 939.7 945.6 951.9 957.4 963.6 960.3 943.9 946.2 941.1 941.3 941.5 18 Large time 139.6 154.1 156.0 154.9 156.0 157.0 156.2 154.8 155.5 154.2 154.2 154.7 19 Other 758.7 785.6 789.6 797.0 801.4 806.6 804.1 789.2 790.7 786.8 787.0 786.8 20 Borrowings 159.6 168.1 168.3 170.2 174.3 172.4 176.1 179.0 177.7 181.1 181.4 183.4 21 From banks in the U.S. 50.5 53.4 50.7 53.9 55.2 55.2 56.4 57.6 57.9 57.0 58.6 57.4 22 From nonbanks in the U.S. 109.1 114.6 117.6 116.3 119.1 117.2 119.7 121.4 119.8 124.1 122.8 126.0 23 Net due to related foreign offices 5.1 5.7 5.9 5.0 4.6 4.2 4.8 5.1 5.7 5.1 4.7 5.0 24 Other liabilities (8) 31.2 34.1 32.4 30.8 31.5 31.4 31.1 31.2 31.3 31.1 31.5 31.1 25 Total liabilities 1,457.8 1,512.8 1,513.9 1,520.8 1,528.4 1,524.6 1,522.8 1,498.2 1,499.6 1,496.6 1,499.3 1,501.9 26 Residual (assets less liabilities) (9) 155.0 160.6 160.6 162.7 161.8 162.3 162.6 159.1 158.6 156.2 160.7 156.4 H.8 (510) ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,447.1 1,490.2 1,493.6 1,503.6 1,518.0 1,521.1 1,519.1 1,491.9 1,493.0 1,489.8 1,490.9 1,491.8 2 Securities in bank credit 428.6 433.7 434.5 439.6 443.7 443.5 441.9 434.4 434.1 434.8 432.7 432.6 3 U.S. government securities 344.7 348.2 348.6 352.7 356.8 356.5 355.8 350.1 349.8 350.7 348.5 348.5 4 Other securities 83.9 85.5 85.9 86.9 86.9 87.0 86.0 84.3 84.3 84.1 84.2 84.1 5 Loans and leases in bank credit (2) 1,018.5 1,056.5 1,059.1 1,064.0 1,074.3 1,077.7 1,077.3 1,057.5 1,058.9 1,055.0 1,058.3 1,059.2 6 Commercial and industrial 178.9 187.0 188.2 189.7 192.3 194.3 193.4 188.7 189.3 187.6 188.1 187.9 7 Real estate 531.5 544.9 546.8 549.1 553.4 558.7 559.3 548.3 549.0 547.6 548.5 549.1 7a Revolving home equity 30.7 31.5 31.6 31.4 31.7 31.6 31.2 30.3 30.4 30.1 30.2 30.4 7b Other 500.7 513.4 515.2 517.7 521.8 527.1 528.1 518.0 518.6 517.5 518.3 518.8 8 Consumer 235.3 250.8 251.2 251.8 254.9 251.8 250.8 247.7 247.9 247.7 248.6 248.0 9 Security (3) 5.6 6.1 6.0 6.0 5.8 5.3 5.4 5.2 5.2 5.0 5.2 5.6 10 Other 67.3 67.7 66.9 67.5 67.9 67.5 68.4 67.6 67.6 67.1 67.9 68.6 11 Interbank loans (4) 59.4 70.1 68.6 68.8 64.3 56.7 56.3 53.8 53.4 49.6 53.1 60.0 12 Cash assets (5) 70.3 76.5 72.2 71.3 73.1 73.1 71.8 69.6 68.3 65.2 72.6 72.0 13 Other assets (6) 53.2 56.6 57.9 55.4 55.9 55.3 56.0 60.3 58.8 57.6 63.6 55.2 14 Total assets (7) 1,609.1 1,671.9 1,670.8 1,677.3 1,689.3 1,684.3 1,681.4 1,653.9 1,651.8 1,640.6 1,658.5 1,657.3 L I A B I L I T I E S 15 Deposits 1,260.3 1,304.8 1,303.2 1,310.6 1,319.3 1,312.8 1,307.3 1,281.6 1,281.0 1,268.3 1,282.2 1,283.3 16 Transaction 361.7 369.0 358.1 357.5 360.6 349.3 347.3 337.3 334.9 327.5 340.4 340.7 17 Nontransaction 898.7 935.8 945.1 953.1 958.7 963.5 960.0 944.3 946.1 940.8 941.8 942.6 18 Large time 139.3 152.5 156.4 155.9 156.9 157.9 156.1 154.5 155.0 154.3 154.4 154.6 19 Other 759.3 783.3 788.7 797.2 801.8 805.7 803.9 789.8 791.1 786.4 787.4 788.1 20 Borrowings 158.3 167.8 167.6 167.4 169.5 174.6 177.6 177.6 175.9 179.4 179.8 178.4 21 From banks in the U.S. 48.8 56.1 51.7 52.2 55.1 55.8 57.0 55.7 55.1 54.2 57.1 54.1 22 From nonbanks in the U.S. 109.5 111.7 115.9 115.2 114.4 118.9 120.6 121.9 120.8 125.1 122.7 124.3 23 Net due to related foreign offices 5.0 5.8 5.9 5.3 4.5 4.1 4.6 5.0 5.3 4.7 4.7 4.7 24 Other liabilities (8) 30.9 33.8 32.6 31.4 31.6 31.1 31.1 31.0 31.0 30.8 31.2 31.0 25 Total liabilities 1,454.6 1,512.2 1,509.3 1,514.6 1,524.9 1,522.6 1,520.5 1,495.1 1,493.3 1,483.2 1,497.8 1,497.4 26 Residual (assets less liabilities) (9) 154.6 159.6 161.5 162.7 164.4 161.8 160.9 158.8 158.6 157.4 160.6 159.9 H.8 (510) ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,662.6 1,702.2 1,696.9 1,690.4 1,694.9 1,693.9 1,693.4 1,719.4 1,723.7 1,724.1 1,712.1 1,714.1 2 Securities in bank credit 420.0 418.7 417.3 405.4 401.9 404.2 396.1 397.9 401.9 398.9 390.5 395.6 3 U.S. government securities 294.8 289.8 293.3 283.8 281.1 282.1 275.1 276.5 276.1 277.6 275.5 273.4 3a Trading account 18.5 22.6 24.9 25.7 20.7 22.7 20.3 20.6 19.5 20.0 21.5 20.9 3b Investment account 276.2 267.2 268.4 258.1 260.5 259.4 254.8 255.9 256.6 257.6 253.9 252.5 3c Mortgage-backed pass-through 98.4 112.6 113.1 110.9 113.1 117.1 116.7 116.4 116.4 116.3 115.8 114.9 3d Other (including CMOs) 177.9 154.6 155.3 147.3 147.3 142.4 138.1 139.6 140.3 141.3 138.1 137.6 3e 1 year or less 44.1 38.8 38.8 35.9 35.1 32.9 32.2 33.1 33.4 34.7 32.0 31.5 3f Between 1 and 5 years 74.0 66.9 66.0 61.2 63.3 62.0 59.3 60.0 60.0 59.2 59.3 58.9 3g More than 5 years 59.8 48.9 50.5 50.2 49.0 47.5 46.6 46.5 46.8 47.4 46.8 47.2 4 Other securities 125.2 128.9 124.0 121.7 120.8 122.0 121.0 121.4 125.7 121.2 115.0 122.3 4a Trading account 62.3 63.2 59.6 57.0 56.8 58.3 56.8 58.0 62.2 58.0 52.3 60.2 4b Investment account 62.9 65.8 64.4 64.6 64.0 63.7 64.2 63.4 63.6 63.2 62.7 62.0 4c State and local government 20.3 19.2 19.0 19.0 18.9 18.7 18.5 18.9 18.8 19.0 19.0 19.0 4d Other 42.6 46.6 45.4 45.6 45.0 45.0 45.7 44.5 44.8 44.2 43.6 43.0 5 Loans and leases in bank credit (2) 1,242.6 1,283.5 1,279.6 1,285.0 1,293.0 1,289.7 1,297.3 1,321.6 1,321.9 1,325.3 1,321.6 1,318.5 6 Commercial and industrial 344.2 352.4 352.1 352.5 355.2 355.5 356.0 360.3 360.4 361.5 360.8 360.0 7 Real estate 492.9 504.6 506.6 510.4 508.7 506.4 510.0 522.0 521.5 523.6 523.2 523.7 7a Revolving home equity 47.3 48.0 48.1 48.3 48.3 48.1 48.2 49.6 49.5 49.8 49.8 49.9 7b Other 445.6 456.5 458.4 462.1 460.5 458.3 461.8 472.5 472.0 473.8 473.4 473.8 8 Consumer 245.4 249.9 249.1 249.4 251.5 252.6 257.9 263.9 263.6 265.0 263.7 263.9 9 Security (3) 46.1 49.6 46.3 45.2 47.1 45.1 41.3 40.7 41.2 40.3 38.0 38.2 10 Other 114.0 127.1 125.6 127.5 130.4 130.0 132.1 134.6 135.1 134.9 135.9 132.7 10a Nonbank financial 23.1 25.9 27.0 29.0 29.7 28.7 29.6 29.3 29.5 29.2 29.0 28.0 10b State and local government 11.0 10.7 10.5 10.5 10.4 10.4 10.4 10.6 10.7 10.6 10.6 10.6 10c All other 79.8 90.5 88.1 88.0 90.4 90.9 92.1 94.7 95.0 95.1 96.3 94.1 11 Interbank loans (4) 109.1 112.1 104.5 113.4 123.4 127.5 125.1 124.0 121.2 124.4 129.9 121.5 12 Cash assets (5) 116.3 127.8 118.3 115.3 121.3 119.5 117.9 121.6 124.4 120.6 129.5 123.3 13 Other assets (6) 118.3 126.8 128.8 131.7 132.7 131.9 144.0 155.1 154.9 156.9 155.4 158.2 14 Total assets (7) 1,970.1 2,033.5 2,013.4 2,015.7 2,037.1 2,037.8 2,045.1 2,084.0 2,088.1 2,089.8 2,090.6 2,081.0 L I A B I L I T I E S 15 Deposits 1,183.2 1,218.6 1,209.6 1,219.8 1,231.2 1,228.4 1,238.5 1,271.1 1,266.9 1,279.6 1,281.3 1,279.8 16 Transaction 419.0 406.8 393.2 394.0 398.9 392.3 388.4 393.0 390.6 399.9 401.6 391.4 17 Nontransaction 764.2 811.8 816.4 825.9 832.3 836.1 850.1 878.1 876.3 879.7 879.8 888.4 18 Large time 108.7 118.2 118.4 118.5 119.7 122.4 126.9 130.7 130.8 131.5 129.6 131.5 19 Other 655.5 693.6 698.1 707.4 712.6 713.6 723.1 747.4 745.5 748.2 750.2 756.9 20 Borrowings 407.6 422.8 405.8 406.7 416.7 413.1 406.1 397.1 402.2 395.3 398.9 397.1 21 From banks in the U.S. 125.9 131.8 122.5 129.6 129.2 128.7 126.9 123.0 125.9 118.8 123.2 118.6 22 From nonbanks in the U.S. 281.7 291.0 283.4 277.1 287.6 284.3 279.2 274.1 276.3 276.5 275.7 278.6 23 Net due to related foreign offices 77.8 87.3 84.6 76.4 80.0 84.0 74.9 71.0 70.8 69.8 69.6 74.9 24 Other liabilities (8) 106.0 118.7 121.5 116.2 123.3 115.0 124.8 124.5 126.8 124.8 122.1 120.7 25 Total liabilities 1,774.5 1,847.4 1,821.6 1,819.1 1,851.2 1,840.4 1,844.3 1,863.7 1,866.6 1,869.4 1,872.0 1,872.6 26 Residual (assets less liabilities) (9) 195.6 186.1 191.8 196.6 185.9 197.3 200.8 220.3 221.5 220.4 218.6 208.4 H.8 (510) ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,655.3 1,695.6 1,694.6 1,687.5 1,696.4 1,692.9 1,691.8 1,711.7 1,714.5 1,709.7 1,709.0 1,711.4 2 Securities in bank credit 416.8 409.7 414.4 407.0 403.3 405.3 397.1 394.6 396.4 394.2 390.5 397.3 3 U.S. government securities 293.3 284.5 290.0 285.1 283.1 281.7 274.0 274.9 273.8 274.8 276.1 275.9 3a Trading account 17.7 21.2 24.8 26.0 21.3 22.5 19.0 19.7 18.7 18.8 21.7 22.0 3b Investment account 275.6 263.2 265.3 259.1 261.8 259.2 254.9 255.2 255.2 256.0 254.4 253.9 3c Mortgage-backed pass-through 97.9 110.6 111.9 111.5 114.1 116.1 115.7 115.7 115.1 115.4 116.0 115.5 3d Other (including CMOs) 177.7 152.7 153.3 147.6 147.7 143.2 139.2 139.5 140.1 140.6 138.4 138.4 3e 1 year or less 44.2 38.9 38.2 36.0 35.9 33.5 33.3 33.2 33.7 34.5 32.0 31.6 3f Between 1 and 5 years 73.6 65.5 65.0 61.6 62.7 61.8 58.8 59.7 59.8 59.4 59.4 59.3 3g More than 5 years 59.8 48.3 50.2 50.0 49.1 47.8 47.1 46.6 46.6 46.8 47.1 47.5 4 Other securities 123.6 125.2 124.4 121.9 120.1 123.5 123.2 119.7 122.6 119.3 114.3 121.4 4a Trading account 61.3 59.2 60.0 57.6 56.6 60.2 59.5 57.0 59.6 56.9 52.1 59.4 4b Investment account 62.2 66.0 64.4 64.3 63.5 63.3 63.6 62.7 63.0 62.4 62.3 62.0 4c State and local government 19.9 19.1 19.0 19.0 19.0 18.8 18.6 18.5 18.4 18.7 18.8 18.7 4d Other 42.4 46.8 45.4 45.3 44.5 44.6 45.0 44.2 44.6 43.7 43.5 43.3 5 Loans and leases in bank credit (2) 1,238.5 1,285.9 1,280.2 1,280.6 1,293.1 1,287.6 1,294.6 1,317.1 1,318.1 1,315.6 1,318.6 1,314.1 6 Commercial and industrial 344.0 350.2 352.0 354.8 359.3 359.1 357.1 360.1 360.3 359.8 360.7 359.0 7 Real estate 492.7 506.1 505.6 507.3 507.1 504.3 508.7 521.8 521.5 522.5 522.9 523.7 7a Revolving home equity 47.3 48.0 47.9 47.8 47.9 48.0 48.1 49.6 49.5 49.8 49.9 50.0 7b Other 445.4 458.1 457.7 459.5 459.3 456.3 460.7 472.3 471.9 472.7 473.0 473.8 8 Consumer 243.2 254.0 249.7 247.8 249.8 251.4 255.5 261.6 261.2 262.9 261.9 262.3 9 Security (3) 44.9 47.9 47.2 45.3 48.1 44.2 41.6 39.5 40.3 38.4 37.9 37.4 10 Other 113.6 127.8 125.6 125.4 128.6 128.7 131.6 134.0 134.9 131.9 135.2 131.8 10a Nonbank financial 22.7 26.1 26.1 27.8 28.9 27.9 28.9 28.8 29.0 27.9 28.6 28.0 10b State and local government 11.1 10.5 10.4 10.5 10.4 10.4 10.4 10.7 10.7 10.7 10.7 10.7 10c All other 79.7 91.2 89.1 87.2 89.4 90.3 92.4 94.5 95.1 93.3 95.9 93.1 11 Interbank loans (4) 108.9 119.0 106.7 111.6 121.4 124.1 126.2 123.9 121.0 120.1 131.1 116.7 12 Cash assets (5) 114.1 133.6 119.9 110.9 118.3 117.9 116.8 119.3 121.7 109.3 130.3 113.2 13 Other assets (6) 119.3 127.1 127.3 130.8 132.0 132.4 145.0 156.5 155.9 156.2 158.0 159.9 14 Total assets (7) 1,961.7 2,040.1 2,013.4 2,005.7 2,033.2 2,032.2 2,044.4 2,075.5 2,077.3 2,059.4 2,092.4 2,065.1 L I A B I L I T I E S 15 Deposits 1,179.1 1,224.7 1,205.0 1,210.0 1,229.1 1,220.6 1,236.7 1,267.7 1,262.4 1,253.3 1,282.4 1,274.1 16 Transaction 413.1 414.8 389.6 384.7 398.4 384.5 385.5 387.5 383.5 374.1 401.3 379.9 17 Nontransaction 766.0 809.9 815.4 825.3 830.7 836.1 851.2 880.2 879.0 879.2 881.2 894.2 18 Large time 109.0 117.2 119.4 117.9 120.2 124.9 126.9 131.1 131.3 132.2 130.4 133.2 19 Other 657.0 692.7 696.0 707.4 710.5 711.2 724.3 749.1 747.7 747.0 750.7 760.9 20 Borrowings 413.3 413.9 405.6 402.1 406.8 409.9 410.0 405.2 412.2 400.5 407.1 393.9 21 From banks in the U.S. 124.7 136.0 123.9 126.3 128.9 127.0 126.4 122.1 124.2 115.4 122.9 115.2 22 From nonbanks in the U.S. 288.7 277.8 281.7 275.8 277.8 282.9 283.6 283.1 287.9 285.1 284.2 278.7 23 Net due to related foreign offices 76.8 87.1 86.5 79.2 80.5 89.1 73.9 70.1 68.6 72.4 71.1 71.1 24 Other liabilities (8) 106.1 119.6 119.7 117.4 121.2 116.9 125.1 124.8 126.7 124.6 123.6 119.0 25 Total liabilities 1,775.3 1,845.2 1,816.7 1,808.7 1,837.6 1,836.4 1,845.8 1,867.8 1,869.9 1,850.8 1,884.3 1,858.1 26 Residual (assets less liabilities) (9) 186.4 194.9 196.7 197.0 195.7 195.8 198.6 207.7 207.3 208.6 208.1 207.0 H.8 (510) ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 423.2 436.3 451.4 443.2 447.7 449.8 457.5 459.7 460.5 460.3 460.5 463.2 2 Securities in bank credit 133.4 137.0 145.7 140.0 140.2 143.0 144.4 141.8 142.6 140.7 142.1 144.7 3 U.S. government securities 64.0 63.2 73.5 71.2 71.5 77.9 79.3 80.7 80.4 80.1 81.4 82.0 4 Other securities 69.4 73.8 72.2 68.9 68.7 65.1 65.1 61.1 62.3 60.7 60.6 62.7 5 Loans and leases in bank credit (2) 289.8 299.3 305.7 303.1 307.5 306.7 313.1 317.9 317.9 319.6 318.4 318.5 6 Commercial and industrial 174.7 183.3 187.0 185.6 187.0 187.0 190.0 192.5 193.1 193.6 193.1 192.1 7 Real estate 37.9 35.3 34.3 33.3 33.2 33.1 32.8 33.3 33.2 33.1 33.6 33.5 9 Security (3) 35.1 29.5 33.5 33.6 33.0 31.9 35.3 34.3 33.8 34.8 33.5 33.7 10 Other 42.0 51.3 50.9 50.6 54.3 54.7 55.0 57.8 57.7 58.1 58.2 59.2 10a Nonbank financial 26.9 32.4 31.6 31.6 34.3 34.8 35.4 38.0 38.0 38.3 38.3 39.0 10c All other 15.1 18.8 19.3 19.0 20.1 19.9 19.6 19.8 19.7 19.8 19.9 20.3 11 Interbank loans (4) 21.4 21.8 20.7 20.8 21.0 21.3 22.4 19.2 20.3 18.9 18.2 21.0 12 Cash assets (5) 26.8 31.1 29.3 27.4 26.2 26.1 25.2 25.3 25.4 25.3 25.1 25.3 13 Other assets (6) 53.8 55.2 56.5 55.0 54.9 55.4 52.2 49.7 49.7 49.7 49.3 47.7 14 Total assets (7) 525.2 544.4 557.9 546.3 549.8 552.6 557.3 553.8 555.9 554.3 553.1 557.1 L I A B I L I T I E S 15 Deposits 163.9 163.9 164.8 168.0 169.5 172.6 172.1 174.5 174.5 173.4 173.8 174.7 16 Transaction 9.4 10.7 10.7 9.8 10.5 11.0 10.8 10.7 10.5 10.7 10.8 10.9 17 Nontransaction 154.4 153.2 154.1 158.1 159.0 161.7 161.3 163.9 164.0 162.6 163.1 163.8 18 Large time 153.7 149.7 152.0 155.8 157.7 160.6 162.3 162.6 162.4 161.6 162.0 162.8 19 Other 0.7 3.5 2.2 2.4 1.3 1.1 -1.0 1.3 1.6 1.0 1.1 0.9 20 Borrowings 118.6 114.3 117.7 111.8 119.4 125.0 120.0 116.5 114.8 119.5 117.2 116.4 21 From banks in the U.S. 19.1 21.4 19.4 20.5 23.2 23.4 20.3 19.6 19.6 21.7 19.6 20.2 22 From nonbanks in the U.S. 99.5 92.8 98.2 91.3 96.2 101.5 99.7 96.8 95.2 97.8 97.6 96.2 23 Net due to related foreign offices 152.6 177.1 186.1 180.2 169.9 167.9 175.4 172.0 175.1 166.1 173.7 176.0 24 Other liabilities (8) 76.6 78.8 79.9 77.0 76.9 73.5 71.0 69.5 69.7 69.7 68.4 67.7 25 Total liabilities 511.6 534.2 548.5 537.0 535.8 538.9 538.6 532.5 534.1 528.7 533.1 534.9 26 Residual (assets less liabilities) (9) 13.6 10.2 9.4 9.2 14.0 13.6 18.7 21.3 21.8 25.5 20.0 22.3 H.8 (510) ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 17 Jul 24 Jul 31 Aug 7 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 423.6 438.8 451.1 444.7 446.1 446.3 454.0 460.3 461.8 461.2 461.6 465.6 2 Securities in bank credit 134.2 135.7 144.6 141.2 140.3 144.2 142.2 142.3 142.7 142.7 143.7 146.6 3 U.S. government securities 63.9 65.1 72.9 72.4 71.9 77.1 78.2 80.5 80.0 81.1 81.8 83.0 4 Other securities 70.3 70.6 71.7 68.8 68.4 67.1 64.0 61.9 62.7 61.6 61.8 63.6 5 Loans and leases in bank credit (2) 289.4 303.1 306.5 303.4 305.7 302.1 311.8 318.0 319.1 318.5 317.9 319.0 6 Commercial and industrial 175.6 183.4 185.9 186.4 187.0 187.0 190.5 193.6 194.6 194.5 193.3 193.3 7 Real estate 37.9 35.2 34.5 33.4 32.8 32.9 32.8 33.2 33.3 33.2 33.4 33.4 9 Security (3) 33.7 33.0 35.4 33.5 32.8 28.9 33.0 33.0 32.9 33.0 33.1 32.9 10 Other 42.2 51.5 50.6 50.1 53.1 53.3 55.6 58.1 58.3 57.8 58.2 59.4 10a Nonbank financial 27.1 32.6 31.8 31.5 33.8 34.4 36.3 38.3 38.4 38.1 38.3 39.2 10c All other 15.1 18.9 18.8 18.7 19.3 18.9 19.3 19.8 19.9 19.7 19.9 20.2 11 Interbank loans (4) 21.4 23.1 18.9 20.0 20.2 21.5 20.7 19.1 19.1 19.1 19.1 19.1 12 Cash assets (5) 27.3 30.7 28.2 27.0 25.6 25.7 26.0 25.7 25.7 25.7 25.7 25.7 13 Other assets (6) 53.1 54.9 57.1 54.2 53.2 56.1 52.0 49.1 49.0 49.1 49.1 49.2 14 Total assets (7) 525.4 547.5 555.2 545.8 545.0 549.5 552.7 554.2 555.7 555.1 555.5 559.6 L I A B I L I T I E S 15 Deposits 162.2 164.8 164.6 168.4 167.2 174.0 174.3 172.3 172.2 172.4 172.5 172.6 16 Transaction 9.5 10.8 10.6 9.7 10.0 10.3 10.6 10.7 10.7 10.7 10.7 10.7 17 Nontransaction 152.7 154.0 153.9 158.7 157.2 163.8 163.7 161.6 161.6 161.7 161.8 161.9 18 Large time 151.7 149.4 151.1 156.8 156.2 162.8 162.3 160.3 160.3 160.3 160.3 160.3 19 Other 1.0 4.6 2.8 1.9 0.9 1.0 1.4 1.3 1.2 1.3 1.4 1.5 20 Borrowings 123.8 110.5 113.0 111.2 120.3 123.2 124.3 121.9 121.8 121.9 122.0 122.1 21 From banks in the U.S. 20.2 21.5 18.7 20.6 22.3 21.8 21.9 20.7 20.6 20.7 20.7 20.7 22 From nonbanks in the U.S. 103.6 89.0 94.3 90.6 98.1 101.4 102.3 101.2 101.2 101.3 101.3 101.4 23 Net due to related foreign offices 151.9 184.4 185.9 177.7 169.8 165.2 169.1 171.7 171.6 171.7 171.8 171.9 24 Other liabilities (8) 75.9 79.9 82.0 76.7 75.2 74.6 71.5 69.0 69.0 69.0 69.0 69.1 25 Total liabilities 513.8 539.7 545.4 533.9 532.5 537.0 539.1 534.8 534.7 535.0 535.3 535.6 26 Residual (assets less liabilities) (9) 11.5 7.8 9.8 11.9 12.5 12.5 13.5 19.4 21.0 20.1 20.2 24.0 --------------------------------- 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, New York State investment companies, 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 small and large domestic banks presented on pages 5 and 6 are adjusted to remove the estimated effects of mergers between these two groups. The data for small and large banks presented on pages 7-8 and pages 9-10 are based on reported data and are affected by mergers. 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 to commercial banks in the United States. 3. Consists of reverse RPs with broker-dealers and loans to purchase and carry securities. For small domestic banks, consists of an estimate of other loans derived from weekly data for a sample of small banks multiplied by the share of security loans in other loans, calculated from quarterly Call Reports. 4. Consists of federal funds sold to, reverse RPs with, and loans to commercial banks in the United States. 5. Includes vault cash, cash items in process of collection, demand balances due from depository institutions in the United States, balances due from Federal Reserve Banks, and other cash assets. 6. Excludes the due-from position with related foreign offices, which is included in line 23. 7. Excludes unearned income, reserves for losses on loans and leases, and reserves for transfer risk. Loans are reported gross of these items. 8. Estimated with partial data; for all banks, not seasonally adjusted, constrained to equal values in line 11. The seasonally adjusted aggregates for all commercial banks in lines 11 and 21 are sums of seasonally adjusted components and are not necessarily equal. 9. Excludes the due-to position with related foreign offices, which is included in line 23. 10. 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.