xedit h8.ascii H.8 (510) pg.1 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For immediate release Seasonally adjusted, billions of dollars November 15, 1996 Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,587.3 3,668.4 3,672.0 3,679.3 3,683.4 3,677.7 3,693.2 3,713.1 3,711.7 3,711.2 3,708.2 3,729.0 2 Securities in bank credit 994.1 990.7 996.6 990.8 985.9 974.8 969.3 970.1 968.3 963.7 969.9 984.1 3 U.S. government securities 712.3 704.5 713.3 708.5 708.2 702.3 703.6 702.0 702.7 697.2 703.8 707.0 4 Other securities 281.8 286.3 283.4 282.2 277.7 272.5 265.7 268.1 265.6 266.5 266.1 277.2 5 Loans and leases in bank credit (2) 2,593.2 2,677.6 2,675.4 2,688.6 2,697.5 2,702.9 2,723.9 2,743.0 2,743.4 2,747.5 2,738.3 2,744.9 6 Commercial and industrial 709.6 733.2 735.6 738.6 742.4 744.0 757.9 766.5 767.1 768.0 767.2 767.5 7 Real estate 1,075.8 1,097.0 1,098.7 1,101.9 1,103.0 1,109.7 1,111.4 1,113.6 1,113.1 1,113.8 1,114.8 1,114.3 8 Revolving home equity 78.4 80.1 79.7 79.3 79.7 80.3 81.0 82.2 81.9 82.4 82.5 82.7 9 Other 997.4 1,017.0 1,019.0 1,022.6 1,023.3 1,029.4 1,030.4 1,031.4 1,031.2 1,031.4 1,032.3 1,031.6 10 Consumer 490.1 507.4 504.9 510.2 512.5 513.9 517.9 517.2 517.0 518.1 517.1 517.4 11 Security (3) 87.0 85.9 82.6 82.1 80.3 76.7 77.0 78.4 79.2 79.2 74.4 78.1 12 Other loans and leases 230.8 254.0 253.6 255.8 259.2 258.6 259.7 267.3 267.0 268.4 264.8 267.6 13 Interbank loans 194.0 208.9 208.8 207.0 199.7 203.4 205.7 201.3 197.4 212.1 196.1 214.1 14 Cash assets (4) 222.3 222.5 219.4 216.7 216.9 219.3 217.9 221.1 235.8 232.8 206.7 225.0 15 Other assets (5) 223.2 233.4 233.7 243.8 254.9 258.4 261.7 256.9 258.0 263.7 249.4 275.3 16 Total assets (6) 4,170.1 4,276.0 4,276.9 4,289.6 4,297.0 4,301.0 4,320.5 4,334.0 4,344.4 4,361.4 4,302.1 4,385.3 L I A B I L I T I E S 17 Deposits 2,644.2 2,718.7 2,717.8 2,721.5 2,728.4 2,741.9 2,752.9 2,780.0 2,814.2 2,794.1 2,760.1 2,795.3 18 Transaction 778.6 770.0 756.3 749.7 742.5 733.3 720.9 701.9 727.1 711.1 686.1 696.9 19 Nontransaction 1,865.6 1,948.8 1,961.4 1,971.8 1,985.9 2,008.6 2,032.0 2,078.2 2,087.1 2,083.1 2,074.0 2,098.4 20 Large time 422.8 433.3 440.0 445.4 448.0 452.7 457.5 466.4 463.5 474.0 472.9 469.2 21 Other 1,442.8 1,515.4 1,521.4 1,526.4 1,537.9 1,555.9 1,574.4 1,611.8 1,623.7 1,609.0 1,601.1 1,629.3 22 Borrowings 687.8 707.4 710.6 702.9 695.9 703.8 712.8 682.2 681.7 696.6 672.4 685.1 23 From banks in the U.S. 293.0 292.7 298.8 295.9 297.8 301.4 309.3 296.5 293.5 312.9 288.1 294.9 24 From others 394.8 414.7 411.8 407.0 398.1 402.4 403.5 385.7 388.3 383.7 384.3 390.2 25 Net due to related foreign offices 257.4 254.4 255.9 255.1 248.9 243.5 244.6 248.6 241.6 246.2 249.6 264.3 26 Other liabilities 222.3 230.0 218.5 227.1 224.5 226.8 230.6 248.2 244.3 248.3 248.6 251.4 27 Total liabilities 3,811.7 3,910.5 3,902.8 3,906.6 3,897.7 3,916.0 3,940.9 3,959.0 3,981.8 3,985.2 3,930.7 3,996.1 28 Residual (assets less liabilities) (7) 358.3 365.5 374.1 383.1 399.2 385.0 379.6 375.0 362.6 376.2 371.4 389.2 H.8 (510) pg.2 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 Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,589.1 3,669.4 3,669.5 3,676.3 3,676.4 3,676.6 3,697.1 3,712.0 3,715.3 3,702.6 3,715.0 3,734.8 2 Securities in bank credit 996.0 995.9 1,001.7 992.0 982.8 979.0 972.1 969.4 969.2 961.1 972.6 979.2 3 U.S. government securities 710.5 710.5 714.1 708.7 705.9 705.5 705.0 701.3 703.0 696.5 703.6 706.9 4 Other securities 285.5 285.4 287.6 283.4 276.9 273.5 267.0 268.1 266.1 264.6 269.0 272.3 5 Loans and leases in bank credit (2) 2,593.2 2,673.5 2,667.8 2,684.2 2,693.6 2,697.6 2,725.1 2,742.6 2,746.2 2,741.5 2,742.4 2,755.6 6 Commercial and industrial 705.7 739.1 741.0 741.6 743.5 740.7 752.9 762.0 762.3 762.3 763.6 766.6 7 Real estate 1,078.9 1,093.2 1,095.6 1,100.5 1,102.9 1,109.3 1,113.3 1,116.7 1,116.7 1,115.8 1,117.5 1,120.6 8 Revolving home equity 79.1 79.5 79.6 79.2 79.8 80.6 81.5 82.8 82.5 83.0 83.2 83.3 9 Other 999.9 1,013.7 1,016.1 1,021.3 1,023.0 1,028.7 1,031.8 1,033.9 1,034.2 1,032.9 1,034.4 1,037.4 10 Consumer 490.7 504.7 503.2 506.5 509.7 514.0 519.1 517.7 517.5 518.8 518.1 517.7 11 Security (3) 85.5 86.7 78.4 80.0 77.8 74.7 76.6 76.7 79.1 76.6 75.3 80.7 12 Other loans and leases 232.3 249.8 249.6 255.7 259.7 258.9 263.2 269.4 270.5 267.9 267.8 270.0 13 Interbank loans 193.3 206.0 202.3 203.3 196.9 197.7 200.0 199.5 197.9 203.9 196.5 215.3 14 Cash assets (4) 223.3 217.0 216.7 214.6 214.6 209.8 218.7 221.9 249.3 214.7 211.5 218.3 15 Other assets (5) 223.6 231.2 234.6 243.4 255.7 260.2 263.0 257.2 258.3 258.0 253.2 276.9 16 Total assets (6) 4,172.7 4,266.6 4,266.1 4,280.4 4,286.0 4,286.4 4,320.6 4,332.5 4,362.7 4,321.0 4,318.2 4,386.9 L I A B I L I T I E S 17 Deposits 2,644.2 2,715.6 2,707.4 2,718.3 2,721.5 2,729.6 2,752.2 2,777.9 2,825.0 2,756.0 2,761.9 2,806.6 18 Transaction 778.9 769.0 743.9 743.2 735.3 719.6 720.0 700.2 738.6 678.3 691.0 699.9 19 Nontransaction 1,865.4 1,946.7 1,963.5 1,975.0 1,986.2 2,010.0 2,032.2 2,077.7 2,086.4 2,077.7 2,070.9 2,106.7 20 Large time 421.3 433.2 445.4 445.2 445.9 452.0 456.3 464.7 460.6 472.5 471.3 470.6 21 Other 1,444.1 1,513.5 1,518.1 1,529.8 1,540.3 1,558.0 1,575.9 1,613.1 1,625.8 1,605.2 1,599.6 1,636.1 22 Borrowings 688.9 696.3 707.3 711.3 704.1 696.2 706.9 672.8 673.0 677.2 668.9 684.1 23 From banks in the U.S. 286.2 291.2 295.6 297.5 294.2 290.9 295.7 286.8 282.4 288.7 282.8 295.8 24 From others 402.8 405.1 411.6 413.8 409.9 405.3 411.2 386.1 390.6 388.5 386.1 388.3 25 Net due to related foreign offices 258.6 254.6 258.2 247.6 247.5 242.5 241.1 250.1 243.2 252.5 254.7 254.7 26 Other liabilities 221.6 226.3 221.2 227.9 224.0 226.2 230.6 248.2 244.3 248.3 248.6 251.4 27 Total liabilities 3,813.3 3,892.9 3,894.1 3,905.1 3,897.1 3,894.5 3,930.8 3,949.1 3,985.4 3,933.9 3,934.1 3,996.8 28 Residual (assets less liabilities) (7) 359.4 373.8 372.0 375.3 388.9 391.9 389.8 383.4 377.4 387.1 384.0 390.1 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 69.3 69.5 68.1 70.0 71.8 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 59.6 59.8 58.7 60.0 62.5 H.8 (510) pg.3 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 Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,149.8 3,212.2 3,214.3 3,213.4 3,214.7 3,206.8 3,223.0 3,232.1 3,233.1 3,229.9 3,228.2 3,234.7 2 Securities in bank credit 852.5 842.0 845.7 837.9 835.1 822.7 822.1 820.9 821.1 814.7 818.6 821.7 3 U.S. government securities 646.0 632.9 635.3 629.2 627.5 619.5 619.8 618.3 620.8 614.0 618.7 619.5 4 Other securities 206.5 209.1 210.3 208.7 207.6 203.2 202.3 202.6 200.3 200.7 200.0 202.1 5 Loans and leases in bank credit (2) 2,297.3 2,370.2 2,368.7 2,375.5 2,379.6 2,384.1 2,400.9 2,411.2 2,412.0 2,415.2 2,409.5 2,413.1 6 Commercial and industrial 531.8 546.3 548.6 548.7 550.0 552.1 559.9 562.7 563.5 564.0 562.3 562.8 7 Real estate 1,038.4 1,063.8 1,065.6 1,069.1 1,069.7 1,076.2 1,078.0 1,080.1 1,079.4 1,080.3 1,081.1 1,080.6 8 Revolving home equity 78.4 80.1 79.7 79.3 79.7 80.3 81.0 82.2 81.8 82.3 82.5 82.6 9 Other 959.9 983.8 985.9 989.8 990.0 995.9 997.0 997.9 997.5 998.0 998.7 998.0 10 Consumer 490.1 507.4 504.9 510.2 512.5 513.9 517.9 517.2 517.0 518.1 517.1 517.4 11 Security (3) 51.6 52.9 50.7 46.8 46.1 42.1 44.2 43.8 44.1 44.0 42.6 43.9 12 Other loans and leases 185.5 199.8 198.9 200.8 201.4 199.8 200.9 207.4 208.1 208.7 206.5 208.4 13 Interbank loans 167.3 187.9 187.4 184.6 180.5 183.5 186.9 182.4 182.7 190.5 176.3 192.4 14 Cash assets (4) 194.2 196.3 193.2 191.5 191.6 194.2 192.7 193.0 208.9 204.1 178.8 195.6 15 Other assets (5) 175.0 188.6 188.0 201.5 215.1 219.8 223.6 224.0 225.3 229.9 216.7 241.1 16 Total assets (6) 3,629.6 3,727.9 3,726.1 3,733.8 3,744.1 3,746.5 3,768.2 3,773.2 3,791.7 3,796.2 3,741.8 3,805.8 L I A B I L I T I E S 17 Deposits 2,470.8 2,549.2 2,545.1 2,549.4 2,553.9 2,567.5 2,579.2 2,594.3 2,630.8 2,601.3 2,571.1 2,611.1 18 Transaction 769.4 759.4 745.4 738.9 731.8 722.5 711.0 691.7 716.4 699.7 676.7 686.0 19 Nontransaction 1,701.3 1,789.8 1,799.8 1,810.5 1,822.0 1,845.0 1,868.2 1,902.6 1,914.4 1,901.6 1,894.4 1,925.2 20 Large time 261.0 275.6 279.4 283.1 285.5 290.3 296.2 295.1 296.3 296.9 296.3 297.8 21 Other 1,440.3 1,514.1 1,520.4 1,527.4 1,536.6 1,554.7 1,572.0 1,607.6 1,618.1 1,604.7 1,598.1 1,627.4 22 Borrowings 571.9 587.9 585.6 582.9 579.4 583.5 593.8 565.4 564.7 578.5 556.9 566.2 23 From banks in the U.S. 273.2 269.5 275.3 275.6 278.2 280.6 286.9 262.8 259.2 278.6 256.2 262.2 24 From others 298.6 318.5 310.2 307.3 301.2 303.0 306.9 302.6 305.5 299.9 300.8 304.0 25 Net due to related foreign offices 92.6 84.5 88.0 79.7 76.9 72.0 71.6 78.9 76.4 80.8 76.7 83.3 26 Other liabilities 143.3 154.9 146.9 157.9 156.9 160.4 162.2 173.5 172.3 174.2 171.6 171.5 27 Total liabilities 3,278.6 3,376.6 3,365.6 3,369.8 3,367.1 3,383.4 3,406.8 3,412.1 3,444.2 3,434.8 3,376.3 3,432.1 28 Residual (assets less liabilities) (7) 351.1 351.3 360.5 364.0 377.0 363.1 361.4 361.1 347.5 361.3 365.4 373.7 H.8 (510) pg.4 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 Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,154.5 3,214.8 3,214.8 3,213.6 3,206.7 3,203.4 3,225.3 3,234.2 3,238.6 3,225.4 3,233.6 3,244.7 2 Securities in bank credit 853.6 847.0 849.0 841.2 831.1 824.7 823.6 819.1 820.1 811.5 818.3 821.3 3 U.S. government securities 645.0 638.6 637.0 630.4 625.4 621.4 621.8 618.2 621.2 613.6 618.7 620.0 4 Other securities 208.6 208.4 212.0 210.7 205.7 203.3 201.8 200.9 198.9 197.8 199.7 201.3 5 Loans and leases in bank credit (2) 2,300.9 2,367.8 2,365.8 2,372.5 2,375.7 2,378.7 2,401.7 2,415.0 2,418.6 2,413.9 2,415.2 2,423.3 6 Commercial and industrial 529.3 552.2 554.0 551.1 549.9 547.8 555.7 560.3 561.0 560.6 560.6 562.5 7 Real estate 1,041.5 1,060.4 1,062.7 1,067.8 1,069.6 1,075.8 1,079.8 1,083.2 1,083.1 1,082.4 1,083.8 1,086.8 8 Revolving home equity 79.1 79.5 79.6 79.2 79.8 80.6 81.5 82.8 82.5 83.0 83.1 83.2 9 Other 962.4 980.9 983.1 988.5 989.8 995.2 998.3 1,000.4 1,000.7 999.5 1,000.6 1,003.6 10 Consumer 490.7 504.7 503.2 506.5 509.7 514.0 519.1 517.7 517.5 518.8 518.1 517.7 11 Security (3) 51.9 53.9 49.5 47.0 44.8 41.1 44.0 44.0 45.1 43.5 43.5 45.7 12 Other loans and leases 187.6 196.7 196.3 200.2 201.6 200.0 203.2 209.8 211.8 208.5 209.3 210.6 13 Interbank loans 164.8 185.8 180.8 182.6 177.7 178.6 180.7 179.2 181.5 179.8 175.8 195.9 14 Cash assets (4) 194.8 191.4 191.0 188.6 188.9 184.1 192.7 193.5 221.9 186.0 183.2 189.6 15 Other assets (5) 175.6 187.8 188.3 201.3 216.5 220.8 224.7 224.5 226.0 224.7 220.2 242.1 16 Total assets (6) 3,633.1 3,723.0 3,717.9 3,728.9 3,732.3 3,728.9 3,765.2 3,773.3 3,810.0 3,757.9 3,754.8 3,814.2 L I A B I L I T I E S 17 Deposits 2,472.4 2,548.4 2,533.4 2,544.0 2,549.3 2,556.9 2,578.4 2,593.8 2,644.0 2,564.9 2,574.7 2,620.9 18 Transaction 769.5 758.9 733.7 732.7 724.7 708.9 709.4 689.8 727.8 667.1 681.2 689.1 19 Nontransaction 1,703.0 1,789.5 1,799.7 1,811.3 1,824.6 1,848.0 1,869.0 1,903.9 1,916.2 1,897.8 1,893.4 1,931.8 20 Large time 260.8 277.0 282.7 282.9 285.6 291.7 295.5 294.5 295.1 296.7 296.3 298.2 21 Other 1,442.2 1,512.5 1,517.1 1,528.4 1,539.0 1,556.3 1,573.5 1,609.4 1,621.1 1,601.1 1,597.1 1,633.6 22 Borrowings 575.1 575.9 584.1 587.1 582.2 574.0 585.5 558.6 557.0 561.6 557.3 565.2 23 From banks in the U.S. 267.8 268.9 273.8 275.6 273.5 270.2 273.2 255.2 249.4 258.3 252.3 263.9 24 From others 307.3 307.0 310.2 311.5 308.7 303.8 312.3 303.4 307.6 303.4 305.0 301.3 25 Net due to related foreign offices 92.0 84.9 93.1 78.5 75.8 70.4 68.8 78.3 74.0 84.6 80.3 80.3 26 Other liabilities 143.7 153.0 148.4 158.2 156.9 158.9 162.0 173.5 172.3 174.2 171.6 171.5 27 Total liabilities 3,283.1 3,362.2 3,358.9 3,367.8 3,364.2 3,360.2 3,394.8 3,404.2 3,447.3 3,385.4 3,384.0 3,437.9 28 Residual (assets less liabilities) (7) 350.0 360.8 359.0 361.1 368.1 368.7 370.3 369.1 362.8 372.4 370.8 376.3 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 31.6 32.0 31.2 31.6 32.1 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 28.0 28.2 27.9 27.7 29.1 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 238.5 237.2 237.9 240.1 240.0 H.8 (510) pg.5 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 Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,797.0 1,810.4 1,808.9 1,798.8 1,793.0 1,775.7 1,783.4 1,785.8 1,788.4 1,782.5 1,779.1 1,786.2 2 Securities in bank credit 447.8 428.8 430.8 422.2 418.0 405.4 403.7 403.5 404.1 397.7 401.0 405.6 3 U.S. government securities 319.2 299.9 300.6 293.3 290.1 282.0 281.1 281.3 284.3 277.1 281.3 283.8 3a Trading account 20.6 19.4 21.5 20.9 20.8 19.5 20.6 21.3 25.7 18.3 20.9 23.0 3b Investment account 298.6 280.5 279.1 272.4 269.3 262.5 260.5 260.0 258.7 258.8 260.4 260.8 4 Other securities 128.6 129.0 130.2 128.9 127.9 123.4 122.5 122.2 119.8 120.5 119.7 121.8 4a Trading account 59.3 58.4 59.9 58.4 59.6 57.7 57.1 55.7 53.5 53.6 53.2 55.8 4b Investment account 69.3 70.5 70.3 70.5 68.3 65.7 65.4 66.6 66.3 66.9 66.5 66.0 4c State and local government 22.1 21.2 21.0 20.6 20.6 20.4 20.3 20.4 20.3 20.5 20.4 20.8 4d Other 47.2 49.3 49.3 49.9 47.7 45.3 45.1 46.2 46.0 46.4 46.1 45.2 5 Loans and leases in bank credit (2) 1,349.2 1,381.6 1,378.1 1,376.6 1,374.9 1,370.3 1,379.7 1,382.2 1,384.3 1,384.9 1,378.1 1,380.6 6 Commercial and industrial 365.5 372.6 373.0 371.7 372.4 372.5 378.4 380.1 380.8 381.4 379.1 379.1 7 Real estate 546.3 552.7 550.0 549.1 545.9 546.7 545.3 543.2 543.4 542.9 542.3 542.4 8 Revolving home equity 51.2 51.7 51.6 51.2 51.6 51.7 51.9 52.0 51.6 52.0 52.1 52.2 9 Other 495.1 501.0 498.4 497.8 494.3 495.0 493.4 491.2 491.8 490.9 490.2 490.2 10 Consumer 267.6 273.2 274.5 277.7 278.0 278.3 280.5 277.4 277.8 277.4 276.9 277.1 11 Security (3) 46.2 47.3 45.3 41.4 40.7 36.6 38.7 38.5 38.7 38.7 37.4 38.5 12a State and local government 11.5 11.1 11.1 11.0 11.1 11.0 10.7 10.7 10.8 10.8 10.8 11.0 12b All other 112.1 124.6 124.3 125.8 127.0 125.2 126.1 132.3 132.8 133.7 131.5 132.5 13 Interbank loans 114.5 129.8 134.0 130.6 128.7 130.7 132.7 128.9 127.0 136.4 123.5 135.3 14 Cash assets (4) 129.3 127.6 125.7 123.4 125.3 127.0 125.6 125.4 136.0 134.4 114.7 129.3 15 Other assets (5) 123.8 137.3 136.5 148.2 158.0 162.2 165.4 164.0 165.8 168.2 157.4 166.9 16 Total assets (6) 2,127.9 2,168.7 2,168.9 2,164.8 2,168.3 2,159.0 2,170.6 2,167.6 2,180.6 2,185.0 2,138.2 2,181.5 L I A B I L I T I E S 17 Deposits 1,285.3 1,324.1 1,320.9 1,321.3 1,325.7 1,329.8 1,334.0 1,340.7 1,360.9 1,348.7 1,323.6 1,345.4 18 Transaction 429.3 418.7 411.3 404.5 402.6 394.5 385.1 380.9 396.3 387.2 370.0 378.7 19 Nontransaction 856.0 905.4 909.6 916.8 923.1 935.2 948.9 959.8 964.6 961.5 953.6 966.7 20 Large time 121.7 127.0 130.0 133.9 135.9 138.9 144.9 151.4 152.9 152.7 151.8 153.3 21 Other 734.3 778.4 779.6 782.9 787.2 796.3 804.0 808.3 811.7 808.8 801.9 813.4 22 Borrowings 422.5 427.4 425.6 417.8 407.0 404.7 415.0 393.6 392.2 403.1 386.9 397.0 23 From banks in the U.S. 189.4 183.7 187.1 184.9 182.0 180.5 186.9 171.6 166.9 183.1 166.3 174.1 24 From others 233.1 243.6 238.5 232.9 225.0 224.1 228.1 222.1 225.3 220.1 220.6 222.9 25 Net due to related foreign offices 86.8 79.6 83.6 74.5 71.4 68.0 65.9 75.6 73.4 77.0 73.4 79.8 26 Other liabilities 113.0 125.9 117.7 129.0 127.4 130.9 133.2 145.6 145.4 145.7 143.5 142.4 27 Total liabilities 1,907.7 1,957.0 1,947.7 1,942.7 1,931.4 1,933.3 1,948.1 1,955.5 1,971.9 1,974.6 1,927.4 1,964.6 28 Residual (assets less liabilities) (7) 220.2 211.7 221.2 222.1 236.8 225.6 222.5 212.1 208.7 210.4 210.8 216.9 H.8 (510) pg.6 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,800.5 1,811.8 1,807.9 1,797.1 1,785.3 1,773.5 1,782.6 1,786.7 1,792.3 1,777.5 1,784.7 1,794.2 2 Securities in bank credit 451.1 430.0 431.8 423.2 414.8 409.0 405.3 403.8 405.1 396.6 403.0 407.1 3 U.S. government securities 320.5 301.8 300.2 292.2 288.5 285.3 283.3 283.2 286.5 278.8 283.7 286.1 3a Trading account 21.2 20.0 21.3 19.6 19.9 20.9 21.0 22.0 26.9 19.2 21.7 23.7 3b Investment account 299.3 281.8 278.9 272.5 268.6 264.4 262.4 261.2 259.7 259.6 262.0 262.5 4 Other securities 130.7 128.2 131.6 131.0 126.3 123.7 122.0 120.6 118.5 117.7 119.3 121.0 4a Trading account 60.9 58.1 61.7 61.1 58.7 57.8 56.2 53.5 51.7 50.4 52.4 54.2 4b Investment account 69.8 70.1 69.9 69.9 67.6 65.8 65.8 67.1 66.8 67.3 66.9 66.8 4c State and local government 22.2 21.3 21.1 20.7 20.2 20.3 20.3 20.4 20.3 20.5 20.4 20.9 4d Other 47.6 48.8 48.8 49.2 47.4 45.6 45.5 46.7 46.5 46.8 46.5 45.9 5 Loans and leases in bank credit (2) 1,349.4 1,381.7 1,376.1 1,373.9 1,370.5 1,364.5 1,377.2 1,382.9 1,387.2 1,380.9 1,381.6 1,387.1 6 Commercial and industrial 363.8 376.8 376.6 372.8 372.2 369.6 375.3 378.4 379.2 378.6 378.4 379.6 7 Real estate 547.5 551.1 547.9 547.8 545.7 546.2 545.5 544.4 545.2 543.2 543.3 545.9 8 Revolving home equity 51.6 51.3 51.5 51.1 51.6 51.9 52.2 52.4 52.1 52.5 52.6 52.6 9 Other 495.9 499.8 496.4 496.7 494.1 494.3 493.3 492.0 493.1 490.7 490.7 493.3 10 Consumer 267.6 271.6 273.3 275.3 275.6 278.0 280.2 277.4 277.7 277.4 277.5 277.2 11 Security (3) 46.4 48.3 44.3 41.7 39.5 35.7 38.7 38.7 39.7 38.3 38.3 39.9 12a State and local government 11.6 11.1 11.1 11.0 11.1 11.1 10.8 10.8 10.8 10.8 10.9 11.0 12b All other 112.5 122.9 122.9 125.3 126.3 124.0 126.8 133.2 134.6 132.5 133.3 133.5 13 Interbank loans 110.9 127.8 130.6 131.8 128.5 126.5 128.2 124.8 125.1 126.9 122.7 132.7 14 Cash assets (4) 129.0 124.6 124.1 122.2 123.0 119.2 125.8 125.1 145.6 120.3 117.5 123.2 15 Other assets (5) 123.9 136.6 137.0 149.2 159.5 162.9 165.8 164.0 165.2 165.9 159.9 166.9 16 Total assets (6) 2,127.8 2,164.7 2,163.3 2,164.0 2,159.9 2,145.4 2,165.6 2,164.3 2,191.8 2,154.2 2,148.5 2,180.5 L I A B I L I T I E S 17 Deposits 1,284.4 1,322.0 1,313.0 1,319.5 1,322.3 1,323.1 1,333.9 1,338.1 1,369.6 1,320.6 1,325.5 1,347.7 18 Tranlgdtion 428.1 418.1 403.4 401.6 397.0 384.8 385.1 378.3 404.4 362.8 373.0 376.7 19 Nontranlgdtion 856.3 903.9 909.6 917.9 925.3 938.3 948.8 959.7 965.2 957.8 952.5 970.9 20 Large time 121.1 127.4 132.4 133.9 136.3 140.4 144.1 150.6 151.5 152.1 151.5 153.4 21 Other 735.1 776.4 777.2 784.0 789.0 797.9 804.7 809.2 813.7 805.7 800.9 817.5 22 Borrowings 425.6 418.8 421.9 420.4 412.7 400.8 410.2 389.4 389.0 391.2 387.2 398.2 23 From banks in the U.S. 186.0 183.2 184.6 184.0 180.7 175.4 178.0 167.3 162.5 169.7 163.8 176.8 24 From others 239.6 235.5 237.3 236.4 232.1 225.3 232.2 222.1 226.5 221.5 223.4 221.4 25 Net due to related foreign offices 86.1 80.1 88.7 73.6 70.5 66.5 63.1 74.9 70.7 80.8 76.9 76.9 26 Other liabilities 113.4 123.9 119.6 129.4 127.7 129.4 132.9 145.6 145.4 145.7 143.5 142.4 27 Total liabilities 1,909.6 1,944.7 1,943.2 1,942.9 1,933.2 1,919.7 1,940.1 1,948.0 1,974.7 1,938.3 1,933.0 1,965.1 28 Residual (assets less liabilities) (7) 218.2 220.0 220.1 221.1 226.7 225.6 225.6 216.3 217.1 215.9 215.5 215.3 MEMO 29 Reval. gains on off-bal. sheet itens(8) -- -- -- -- -- -- -- 31.6 32.0 31.2 31.6 32.1 30 Reval. losses on off-bal. sheet itens (8) -- -- -- -- -- -- -- 28.0 28.2 27.9 27.7 29.1 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 185.7 185.1 184.9 186.9 187.0 H.8 (510) pg 7 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 Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,352.8 1,401.8 1,405.4 1,414.6 1,421.7 1,431.1 1,439.6 1,446.3 1,444.7 1,447.4 1,449.1 1,448.5 2 Securities in bank credit 404.7 413.1 414.9 415.7 417.0 417.3 418.4 417.3 416.9 417.0 417.6 416.0 3 U.S. government securities 326.9 333.0 334.7 335.9 337.3 337.6 338.7 336.9 336.4 336.9 337.4 335.7 4 Other securities 77.9 80.1 80.2 79.8 79.7 79.7 79.7 80.4 80.5 80.1 80.2 80.3 5 Loans and leases in bank credit (2) 948.1 988.6 990.6 998.9 1,004.7 1,013.8 1,021.2 1,029.0 1,027.8 1,030.4 1,031.4 1,032.5 6 Commercial and industrial 166.2 173.6 175.6 177.0 177.6 179.6 181.5 182.6 182.7 182.6 183.1 183.7 7 Real estate 492.0 511.1 515.6 520.1 523.9 529.6 532.7 536.9 536.0 537.4 538.8 538.2 8 Revolving home equity 27.2 28.3 28.1 28.0 28.2 28.6 29.1 30.2 30.2 30.3 30.3 30.5 9 Other 464.8 482.8 487.6 492.0 495.7 500.9 503.6 506.7 505.7 507.1 508.5 507.8 10 Consumer 222.5 234.2 230.4 232.5 234.5 235.6 237.4 239.8 239.2 240.7 240.2 240.2 11 Security (3) 5.4 5.7 5.4 5.4 5.4 5.4 5.5 5.3 5.4 5.3 5.2 5.5 12 Other loans and leases 61.9 64.0 63.5 64.0 63.3 63.7 64.1 64.3 64.6 64.3 64.1 64.9 13 Interbank loans 52.8 58.1 53.4 54.0 51.8 52.9 54.1 53.5 55.7 54.1 52.8 57.1 14 Cash assets (4) 64.9 68.8 67.6 68.1 66.3 67.2 67.1 67.6 72.9 69.7 64.1 66.3 15 Other assets (5) 51.2 51.3 51.5 53.3 57.1 57.6 58.2 59.9 59.5 61.7 59.3 74.1 16 Total assets (6) 1,501.8 1,559.2 1,557.2 1,569.0 1,575.8 1,587.5 1,597.6 1,605.6 1,611.1 1,611.2 1,603.6 1,624.3 L I A B I L I T I E S 17 Deposits 1,185.4 1,225.2 1,224.2 1,228.0 1,228.2 1,237.8 1,245.2 1,253.6 1,269.9 1,252.6 1,247.5 1,265.7 18 Transaction 340.1 340.8 334.0 334.3 329.3 327.9 325.9 310.8 320.1 312.5 306.7 307.2 19 Nontransaction 845.3 884.4 890.2 893.7 899.0 909.8 919.3 942.8 949.8 940.1 940.8 958.5 20 Large time 139.3 148.7 149.4 149.2 149.6 151.4 151.3 143.6 143.4 144.2 144.5 144.5 21 Other 706.0 735.7 740.8 744.5 749.4 758.4 768.0 799.2 806.4 795.9 796.3 814.0 22 Borrowings 149.4 160.5 160.0 165.1 172.5 178.9 178.8 171.7 172.5 175.4 170.0 169.2 23 From banks in the U.S. 83.9 85.7 88.3 90.6 96.2 100.0 100.0 91.2 92.3 95.6 89.9 88.1 24 From others 65.5 74.8 71.8 74.4 76.3 78.9 78.8 80.5 80.2 79.8 80.2 81.1 25 Net due to related foreign offices 5.8 4.9 4.4 5.1 5.5 4.0 5.7 3.3 3.0 3.7 3.2 3.4 26 Other liabilities 30.3 29.0 29.2 28.9 29.5 29.4 29.0 27.9 26.9 28.5 28.2 29.1 27 Total liabilities 1,370.9 1,419.6 1,417.9 1,427.1 1,435.7 1,450.1 1,458.7 1,456.6 1,472.3 1,460.2 1,448.9 1,467.5 28 Residual (assets less liabilities) (7) 130.9 139.6 139.3 141.9 140.2 137.5 139.0 149.0 138.8 151.0 154.7 156.8 H.8 (510) pg.8 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,353.9 1,403.1 1,406.8 1,416.5 1,421.4 1,429.9 1,442.7 1,447.5 1,446.4 1,447.9 1,448.9 1,450.5 2 Securities in bank credit 402.4 417.0 417.1 418.0 416.3 415.7 418.2 415.3 415.0 414.9 415.3 414.2 3 U.S. government securities 324.5 336.8 336.8 338.3 336.9 336.1 338.5 335.0 334.7 334.8 334.9 333.9 4 Other securities 77.9 80.2 80.4 79.7 79.4 79.6 79.8 80.3 80.3 80.1 80.4 80.3 5 Loans and leases in bank credit (2) 951.5 986.1 989.7 998.5 1,005.1 1,014.2 1,024.5 1,032.1 1,031.3 1,033.0 1,033.6 1,036.3 6 Commercial and industrial 165.5 175.4 177.4 178.4 177.7 178.3 180.4 181.9 181.8 182.0 182.2 183.0 7 Real estate 494.0 509.3 514.8 519.9 524.0 529.6 534.2 538.8 538.0 539.2 540.5 540.9 8 Revolving home equity 27.4 28.1 28.1 28.1 28.3 28.7 29.3 30.4 30.4 30.5 30.6 30.6 9 Other 466.5 481.1 486.8 491.8 495.7 500.9 504.9 508.4 507.6 508.7 509.9 510.3 10 Consumer 223.1 233.1 230.0 231.1 234.1 236.1 238.9 240.4 239.8 241.4 240.6 240.5 11 Security (3) 5.4 5.6 5.2 5.3 5.3 5.4 5.4 5.3 5.4 5.2 5.2 5.8 12 Other loans and leases 63.5 62.7 62.3 63.8 64.1 65.0 65.6 65.8 66.3 65.2 65.1 66.1 13 Interbank loans 53.8 58.0 50.3 50.9 49.2 52.1 52.5 54.4 56.3 52.9 53.1 63.3 14 Cash assets (4) 65.8 66.9 66.9 66.4 65.8 64.9 66.9 68.3 76.4 65.7 65.8 66.4 15 Other assets (5) 51.7 51.2 51.3 52.0 57.0 57.9 58.9 60.4 60.8 58.8 60.2 75.2 16 Total assets (6) 1,505.3 1,558.3 1,554.6 1,564.9 1,572.4 1,583.5 1,599.5 1,609.0 1,618.3 1,603.6 1,606.3 1,633.7 L I A B I L I T I E S 17 Deposits 1,188.0 1,226.5 1,220.3 1,224.5 1,226.9 1,233.8 1,244.5 1,255.7 1,274.4 1,244.3 1,249.2 1,273.3 18 Transaction 341.3 340.8 330.2 331.1 327.6 324.1 324.3 311.5 323.4 304.3 308.3 312.4 19 Nontransaction 846.7 885.7 890.1 893.4 899.3 909.7 920.2 944.2 951.0 940.0 941.0 960.9 20 Large time 139.7 149.5 150.3 149.0 149.3 151.3 151.4 143.9 143.6 144.6 144.8 144.8 21 Other 707.0 736.1 739.9 744.4 750.0 758.4 768.8 800.3 807.4 795.4 796.2 816.1 22 Borrowings 149.4 157.1 162.2 166.6 169.5 173.2 175.4 169.2 168.0 170.4 170.1 166.9 23 From banks in the U.S. 81.8 85.7 89.2 91.5 92.8 94.7 95.2 88.0 86.9 88.6 88.5 87.1 24 From others 67.6 71.5 72.9 75.1 76.6 78.4 80.1 81.3 81.1 81.8 81.6 79.9 25 Net due to related foreign offices 5.8 4.8 4.4 4.9 5.3 4.0 5.8 3.4 3.3 3.8 3.4 3.4 26 Other liabilities 30.3 29.1 28.8 28.9 29.2 29.5 29.2 27.9 26.9 28.5 28.2 29.1 27 Total liabilities 1,373.5 1,417.5 1,415.7 1,424.9 1,431.0 1,440.4 1,454.8 1,456.2 1,472.6 1,447.1 1,451.0 1,472.8 MEMO 28 Residual (assets less liabilities) (7) 131.8 140.8 138.9 140.0 141.4 143.1 144.8 152.8 145.7 156.6 155.4 160.9 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 52.7 52.1 53.0 53.2 53.0 H.8 (510) pg.9 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 Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 437.5 456.2 457.7 465.9 468.7 471.0 470.2 481.0 478.6 481.3 480.1 494.3 2 Securities in bank credit 141.6 148.8 151.0 152.9 150.9 152.1 147.2 149.2 147.2 149.0 151.3 162.5 3 U.S. government securities 66.3 71.6 77.9 79.3 80.7 82.8 83.8 83.8 81.9 83.2 85.1 87.4 4 Other securities 75.3 77.2 73.0 73.6 70.1 69.3 63.4 65.5 65.3 65.8 66.2 75.0 5 Loans and leases in bank credit (2) 295.9 307.4 306.7 313.0 317.9 318.8 323.0 331.8 331.4 332.3 328.8 331.8 6 Commercial and industrial 177.9 187.0 187.0 189.9 192.5 191.9 198.0 203.8 203.6 204.0 205.0 204.7 7 Real estate 37.4 33.2 33.1 32.8 33.3 33.5 33.4 33.5 33.7 33.5 33.7 33.6 11 Security (3) 35.4 33.0 31.9 35.3 34.3 34.7 32.8 34.6 35.1 35.1 31.8 34.2 12 Other loans and leases 45.2 54.3 54.7 55.0 57.8 58.7 58.8 59.9 59.0 59.7 58.3 59.2 13 Interbank loans 26.7 21.0 21.3 22.4 19.2 19.9 18.8 18.9 14.6 21.7 19.8 21.7 14 Cash assets (4) 28.1 26.2 26.1 25.2 25.3 25.1 25.2 28.1 26.9 28.6 27.9 29.4 15 Other assets (5) 48.2 44.8 45.7 42.3 39.7 38.6 38.1 32.9 32.7 33.8 32.7 34.3 16 Total assets (6) 540.4 548.1 550.8 555.8 552.9 554.5 552.3 560.8 552.7 565.2 560.3 579.4 L I A B I L I T I E S 17 Deposits 173.5 169.5 172.6 172.1 174.5 174.4 173.7 185.7 183.4 192.8 189.0 184.1 18 Transaction 9.2 10.5 11.0 10.8 10.7 10.8 10.0 10.1 10.6 11.3 9.4 10.9 19 Nontransaction 164.3 159.0 161.7 161.3 163.9 163.6 163.7 175.6 172.8 181.5 179.6 173.2 20 Large time 161.8 157.7 160.6 162.3 162.6 162.4 161.3 171.3 167.2 177.1 176.6 171.4 21 Other 2.5 1.3 1.1 -1.0 1.3 1.2 2.4 4.2 5.6 4.3 3.0 1.9 22 Borrowings 115.9 119.4 125.0 120.0 116.5 120.3 119.0 116.8 117.0 118.1 115.5 118.9 23 From banks in the U.S. 19.8 23.2 23.4 20.3 19.6 20.9 22.4 33.7 34.2 34.2 32.0 32.7 24 From others 96.2 96.2 101.5 99.7 96.8 99.4 96.6 83.1 82.8 83.9 83.5 86.2 25 Net due to related foreign offices 164.8 169.9 167.9 175.4 172.0 171.5 173.0 169.7 165.3 165.5 172.9 181.1 26 Other liabilities 78.9 75.1 71.7 69.2 67.6 66.4 68.4 74.7 72.0 74.0 77.0 79.9 27 Total liabilities 533.2 533.9 537.1 536.8 530.6 532.6 534.1 546.9 537.6 550.4 554.4 564.0 28 Residual (assets less liabilities) (7) 7.2 14.2 13.6 19.1 22.3 21.9 18.2 13.9 15.1 14.8 5.9 15.4 H.8 (510) pg. 10 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 Oct Apr May Jun Jul Aug Sep Oct Oct 16 Oct 23 Oct 30 Nov 6 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 434.6 454.5 454.8 462.6 469.7 473.2 471.8 477.9 476.7 477.2 481.4 490.1 2 Securities in bank credit 142.4 148.8 152.7 150.9 151.7 154.3 148.5 150.3 149.1 149.6 154.3 157.9 3 U.S. government securities 65.5 71.9 77.1 78.2 80.5 84.1 83.2 83.1 81.8 82.9 85.0 86.8 3a Trading account -- -- -- -- -- -- -- 18.9 18.1 19.2 19.5 20.9 3b Investment account -- -- -- -- -- -- -- 64.2 63.7 63.7 65.4 65.9 4 Other securities 76.9 77.0 75.6 72.6 71.2 70.2 65.3 67.2 67.3 66.7 69.3 71.1 4a Trading account -- -- -- -- -- -- -- 46.9 47.1 46.7 48.7 49.8 4b Investment account -- -- -- -- -- -- -- 20.3 20.2 20.1 20.6 21.2 5 Loans and leases in bank credit (2) 292.3 305.7 302.0 311.7 317.9 318.9 323.3 327.6 327.6 327.6 327.1 332.2 6 Commercial and industrial 176.4 186.9 187.0 190.4 193.6 192.9 197.2 201.7 201.3 201.6 203.0 204.0 7 Real estate 37.5 32.8 32.9 32.8 33.2 33.5 33.5 33.5 33.6 33.4 33.8 33.8 11 Security (3) 33.7 32.8 28.9 33.0 33.0 33.6 32.6 32.7 34.0 33.1 31.8 35.0 12 Other loans and leases 44.7 53.1 53.3 55.6 58.1 58.9 60.0 59.6 58.7 59.4 58.5 59.4 13 Interbank loans 28.5 20.2 21.5 20.7 19.1 19.1 19.3 20.3 16.4 24.1 20.8 19.4 14 Cash assets (4) 28.5 25.6 25.7 26.0 25.7 25.7 26.1 28.5 27.4 28.8 28.3 28.7 15 Other assets (5) 48.0 43.4 46.3 42.2 39.2 39.4 38.2 32.7 32.4 33.3 33.1 34.8 16 Total assets (6) 539.6 543.6 548.2 551.4 553.7 557.5 555.4 559.2 552.7 563.1 563.4 572.7 L I A B I L I T I E S 17 Deposits 171.8 167.2 174.0 174.3 172.3 172.7 173.7 184.1 181.0 191.1 187.2 185.7 18 Transaction 9.4 10.0 10.3 10.6 10.7 10.7 10.6 10.3 10.8 11.2 9.8 10.8 19 Nontransaction 162.4 157.2 163.8 163.7 161.6 162.1 163.1 173.8 170.2 179.8 177.4 174.9 20 Large time 160.5 156.2 162.8 162.3 160.3 160.3 160.8 170.2 165.5 175.8 174.9 172.4 21 Other 1.9 0.9 1.0 1.4 1.3 1.7 2.4 3.7 4.6 4.1 2.5 2.5 22 Borrowings 113.9 120.3 123.2 124.3 121.9 122.2 121.3 114.3 116.0 115.6 111.6 119.0 23 From banks in the U.S. 18.4 22.3 21.8 21.9 20.7 20.7 22.5 31.6 33.0 30.5 30.5 31.9 24 From others 95.5 98.1 101.4 102.3 101.2 101.5 98.8 82.7 83.0 85.1 81.1 87.0 25 Net due to related foreign offices 166.6 169.8 165.2 169.1 171.7 172.1 172.3 171.8 169.2 167.8 174.4 174.4 26 Other liabilities 77.9 73.4 72.8 69.6 67.1 67.3 68.6 74.7 72.0 74.0 77.0 79.9 27 Total liabilities 530.2 530.7 535.2 537.3 532.9 534.3 536.0 544.9 538.1 548.5 550.2 558.9 28 Residual (assets less liabilities) (7) 9.4 12.9 13.0 14.1 20.8 23.1 19.4 14.3 14.6 14.6 13.2 13.8 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 37.7 37.5 36.9 38.4 39.7 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 31.6 31.6 30.8 32.3 33.4 H.8 (510) pg.11 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta ASSETS 1 Bank credit 1,794.2 92.7 335.2 94.9 161.7 177.5 204.4 2 Securities in bank credit (14) 407.1 3 U.S. government securities (14) 286.1 3a Trading account (14) 23.7 3b Investment account 262.5 16.4 77.5 5.4 25.6 26.5 27.1 3c Mortgage-backed 155.0 7.2 51.7 2.5 12.9 14.0 15.8 3d Other 107.4 9.2 25.9 2.9 12.6 12.5 11.3 3e 1 year or less 28.8 3.4 4.4 1.5 1.5 3.8 2.6 3f Between 1 and 5 years 57.9 5.1 15.3 1.1 5.0 7.9 7.5 3g More than 5 years 20.8 0.7 6.2 0.2 6.1 0.8 1.1 4 Other securities (14) 121.0 4a Trading account (14) 54.2 4b Investment account 66.8 5.2 19.6 2.2 5.8 4.4 10.7 4c State and local government 20.9 1.8 6.4 0.7 0.9 1.7 2.0 4d Other 45.9 3.4 13.1 1.5 4.9 2.7 8.7 5 Loans and leases in bank credit (2) 1,387.1 71.1 238.1 87.3 130.4 146.6 166.6 6 Commerical and industrial 379.6 26.9 64.2 14.6 38.2 35.0 37.1 6a Bankers accep and commercial paper 1.8 0.1 0.8 0.0 0.0 0.0 0.0 6b Other 377.8 26.8 63.4 14.6 38.2 34.9 37.1 7 Real estate 545.9 21.2 91.9 22.2 47.6 72.3 82.1 8 Revolving home equtiy 52.6 3.2 7.2 2.6 5.5 6.4 5.6 9a Other residential 316.1 10.2 55.8 13.8 29.8 43.0 49.6 9b Commercial 177.2 7.8 28.8 5.8 12.3 22.9 26.9 10 Consumer 277.2 6.9 34.6 44.3 27.4 19.0 35.5 11 Security (3) 39.9 7.5 15.8 0.1 1.0 6.9 1.1 11a Fed funds and RPs with broker/dealer 24.5 7.1 7.4 0.0 0.0 6.6 0.7 11b Other 15.5 0.4 8.4 0.1 0.9 0.2 0.4 12a State and local government 11.0 0.2 1.6 0.7 1.3 2.1 2.2 12b Agricultural 7.7 0.0 0.1 0.1 0.2 0.6 0.5 12c Fed funds and RPs with others 4.4 0.7 2.0 0.0 0.0 1.2 0.0 12d All other loans 62.6 3.2 15.4 1.3 6.0 4.8 3.9 12e Lease financing receivables 58.9 4.5 12.5 3.9 8.6 4.7 4.3 13 Interbank loans 132.7 3.2 46.1 5.6 8.5 13.6 13.4 13a Fed funds and RPs with banks 80.7 1.8 24.1 4.0 5.2 8.3 10.0 13b Other 52.0 1.4 22.0 1.5 3.3 5.4 3.3 14 Cash assets(4) 123.2 7.1 24.9 4.4 9.1 10.2 12.1 15 Other assets (12) 185.7 16.1 106.0 8.6 11.0 33.3 12.9 16 TOTAL ASSETS (6) 2,199.4 117.4 499.3 111.3 187.5 232.5 239.8 H.8 (510) pg.12 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta 17 Deposits 1,347.7 67.3 263.1 66.7 121.2 121.2 172.2 18 Transaction 376.7 22.0 67.8 15.1 30.3 28.3 36.1 19 Nontransaction 970.9 45.2 195.3 51.6 90.9 92.9 136.1 20 Large time 153.4 6.8 41.1 9.9 11.1 13.0 19.1 21 Other 817.5 38.4 154.2 41.7 79.8 80.0 117.0 22 Borrowings 398.2 27.1 76.5 26.2 35.3 65.7 35.3 23 From banks in the US 176.8 7.1 22.3 10.9 13.5 34.2 21.3 24 From others 221.4 20.0 54.1 15.3 21.8 31.5 14.0 26 Other liabilities (13) 238.2 12.7 95.8 7.8 15.4 28.9 13.1 27 TOTAL LIABILITIES 1,984.0 107.1 435.4 100.7 172.0 215.7 220.6 28 Residual (assets less liabilities (13) 215.3 10.3 64.0 10.6 15.5 16.7 19.3 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 32.1 30 Reval. losses on off-bal. sheet items (8,14) 29.1 31 Mortgage-backed securities (9) 187.0 8.4 56.7 3.3 19.8 16.2 21.7 31a Pass-through 128.3 6.4 44.0 1.7 12.5 13.0 13.1 31b CMO, REMIC and other 58.7 1.9 12.7 1.6 7.3 3.2 8.5 32 Net unrealized ganis (losses) 2.3 on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) 30.6 H.8 (510) pg.13 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansac City Dallas San Francisco ASSETS 1 Bank credit 183.0 41.0 41.4 26.1 69.3 289.2 2 Securities in bank credit (14) 3 U.S. government securities (14) 3a Trading account (14) 3b Investment account (14) 25.8 8.0 2.8 7.0 12.7 27.6 3c Mortgage-backed 9.3 5.0 1.9 4.8 10.3 19.5 3d Other 16.5 3.0 0.9 2.2 2.5 8.1 3e 1 year or less 7.5 1.1 0.3 0.3 0.8 1.6 3f Between 1 and 5 years 5.6 1.5 0.3 1.6 1.4 5.6 3g More than 5 years 3.4 0.5 0.3 0.3 0.2 0.9 4 Other securities (14) 4a Trading account (14) 4b Investment accout (14) 6.4 1.7 0.6 1.1 2.1 7.0 4c State and local government 3.5 0.8 0.2 0.6 0.7 1.7 4d Other 3.0 1.0 0.4 0.5 1.5 5.3 5 Loans and leases in bank credit (2) 150.8 31.2 38.0 18.0 54.4 254.5 6 Commerical and industrial 63.9 8.2 8.4 5.1 24.0 54.0 6a Bankers accep and commercial paper 0.2 0.0 0.0 0.0 0.0 0.6 6b Other 63.7 8.2 8.4 5.0 24.0 53.4 7 Real estate 46.7 15.3 8.6 6.6 14.8 116.5 8 Revolving home equtiy 4.8 1.2 0.4 0.4 0.3 14.9 9a Other residential 18.4 10.4 5.9 3.6 10.1 65.4 9b Commercial 23.6 3.7 2.2 2.6 4.4 36.2 10 Consumer 23.4 5.2 16.4 4.2 10.6 49.7 11 Security (3) 3.1 0.4 1.1 0.0 0.4 2.7 11a Fed funds and RPs with broker/dealer 0.6 0.1 0.6 0.0 0.1 1.1 11b Other 2.5 0.3 0.4 0.0 0.3 1.6 12a State and local government 1.1 0.2 0.1 0.1 0.1 1.2 12b Agricultural 0.4 0.1 0.2 0.5 0.1 4.8 12c Fed funds and RPs with others 0.3 0.0 0.0 0.0 0.0 0.1 12d All other loans 7.8 1.0 2.2 1.3 3.6 12.0 12e Lease financing receivables 4.0 0.9 0.9 0.3 0.6 13.5 13 Interbank loans 8.2 1.5 4.3 1.2 9.6 17.5 13a Fed funds and RPs with banks 7.5 1.4 4.3 0.9 8.4 4.7 13b Other 0.7 0.1 0.0 0.3 1.2 12.8 14 Cash assets(4) 15.5 2.9 2.3 2.2 9.2 23.3 15 Other assets (12) 20.3 3.2 3.1 1.2 7.6 40.2 16 TOTAL ASSETS 224.1 48.0 50.3 30.3 95.0 363.8 H.8 (510) pg.14 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES, BY DISTRICT (1) Not seasonally adjusted, billions of dollars Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansas City Dallas San Francisco 17 Deposits 136.0 30.3 22.9 23.6 67.0 256.2 18 Transaction 40.6 6.9 7.6 6.4 20.3 95.3 19 Nontransaction 95.4 23.4 15.3 17.2 46.6 160.9 20 Large time 18.0 2.7 1.2 1.3 4.6 24.6 21 Other 77.4 20.7 14.2 15.9 42.1 136.3 22 Borrowings 42.9 11.7 19.0 3.6 13.8 41.2 23 From banks in the US 18.4 8.3 15.4 2.1 3.6 19.7 24 From others 24.5 3.4 3.6 1.5 10.1 21.5 26 Other liabilities (13) 23.8 2.4 4.5 1.0 6.5 26.3 27 TOTAL LIABILITIES 202.7 44.4 46.4 28.2 87.2 323.7 28 Residual (assets less liabilities (13) 21.4 3.6 3.9 2.2 7.8 40.1 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 30 Reval. losses on off-bal. sheet items (8,14) 31 Mortgage-backed securities (9) 13.2 5.9 2.0 5.4 11.0 23.4 31a Pass-through 6.8 2.6 1.8 4.1 9.0 13.3 31b CMO, REMIC and other 6.4 3.3 0.2 1.4 2.0 10.1 32 Net unrealized ganis (losses) on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) H.8 (510) Footnotes Note: This release is available on the Federal Reserve Board's web site: http://www.bog.frb.fed.us/. Current and historical data are available on the Commerce Department's economic bulletin board. For information call 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 8 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 non-financial businesses. 12. Includes the due-from position with related foreign offices. 13. Includes the due-to position with related foreign offices. 14. Disaggregation by District not available. The trading account components of securities (lines 3a and 4a) are included in line 15.