h8.ascii H.8 (510) pg.1 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For release at 4:15 p.m. Eastern Time Seasonally adjusted, billions of dollars December 13, 1996 Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,599.3 3,672.0 3,679.3 3,683.4 3,677.7 3,693.2 3,713.4 3,740.3 3,733.2 3,726.3 3,769.4 3,746.9 2 Securities in bank credit 995.0 996.6 990.8 985.9 974.8 969.3 970.0 987.8 982.1 983.8 998.8 992.7 3 U.S. government securities 713.4 713.3 708.5 708.2 702.3 703.8 702.2 706.9 704.7 705.2 711.3 704.7 4 Other securities 281.6 283.4 282.2 277.7 272.5 265.5 267.8 280.9 277.3 278.6 287.4 288.0 5 Loans and leases in bank credit (2) 2,604.3 2,675.4 2,688.6 2,697.5 2,702.9 2,723.9 2,743.4 2,752.5 2,751.1 2,742.5 2,770.7 2,754.2 6 Commercial and industrial 713.8 735.6 738.6 742.5 744.0 757.9 766.4 770.9 769.9 768.3 776.1 774.8 7 Real estate 1,077.8 1,098.7 1,101.9 1,103.0 1,109.7 1,111.5 1,113.9 1,118.1 1,114.1 1,119.5 1,122.9 1,121.7 8 Revolving home equity 78.8 79.7 79.3 79.7 80.3 81.0 82.2 83.4 82.8 83.5 83.8 84.5 9 Other 999.0 1,019.0 1,022.6 1,023.3 1,029.4 1,030.5 1,031.7 1,034.7 1,031.3 1,036.0 1,039.1 1,037.2 10 Consumer 493.1 504.9 510.2 512.5 513.9 517.9 517.5 517.2 516.1 517.6 517.3 518.3 11 Security (3) 87.0 82.6 82.1 80.4 76.8 77.0 78.5 78.7 81.6 72.3 84.3 74.7 12 Other loans and leases 232.5 253.6 255.7 259.1 258.5 259.6 267.1 267.6 269.4 264.8 270.1 264.7 13 Interbank loans 196.4 208.8 207.0 199.7 203.4 205.7 201.3 214.8 212.3 216.7 217.1 211.6 14 Cash assets (4) 216.2 219.4 216.7 216.9 219.3 217.9 221.0 229.9 240.4 221.8 233.7 223.5 15 Other assets (5) 226.6 233.7 243.8 254.9 258.4 261.7 256.1 267.6 269.9 265.1 270.3 277.5 16 TOTAL ASSETS (6) 4,181.9 4,276.9 4,289.6 4,297.0 4,301.0 4,320.6 4,333.5 4,394.4 4,397.7 4,371.7 4,432.3 4,401.3 L I A B I L I T I E S 17 Deposits 2,642.1 2,717.8 2,721.5 2,728.4 2,741.9 2,752.9 2,780.1 2,817.1 2,820.8 2,786.5 2,853.2 2,833.1 18 Transaction 768.1 756.3 749.7 742.5 733.3 720.9 701.9 705.4 711.5 685.1 728.1 696.2 19 Nontransaction 1,874.0 1,961.4 1,971.8 1,985.9 2,008.6 2,032.0 2,078.2 2,111.7 2,109.3 2,101.4 2,125.1 2,136.9 20 Large time 423.3 440.0 445.4 448.0 452.7 457.6 466.5 472.8 471.4 470.5 477.0 479.1 21 Other 1,450.6 1,521.4 1,526.4 1,537.9 1,555.9 1,574.4 1,611.8 1,638.9 1,637.9 1,630.9 1,648.0 1,657.8 22 Borrowings 675.6 710.6 702.9 695.9 703.8 712.8 682.0 695.6 691.4 703.1 711.7 672.2 23 From banks in the U.S. 284.8 298.8 295.9 297.8 301.4 309.3 295.7 298.7 290.6 305.4 309.2 289.1 24 From others 390.8 411.8 407.0 398.1 402.4 403.6 386.3 396.8 400.8 397.7 402.5 383.1 25 Net due to related foreign offices 263.7 255.9 255.1 248.9 243.5 244.6 248.1 241.3 245.4 248.1 221.2 244.4 26 Other liabilities 226.0 218.5 227.1 224.5 226.8 230.7 248.7 262.8 265.9 256.3 265.9 269.1 27 TOTAL LIABILITIES 3,807.4 3,902.8 3,906.6 3,897.7 3,916.0 3,941.0 3,958.9 4,016.8 4,023.5 3,994.0 4,052.0 4,018.8 28 Residual (assets less liabilities) (7) 374.6 374.1 383.1 399.2 385.0 379.6 374.6 377.6 374.2 377.7 380.3 382.5 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,605.5 3,669.5 3,676.3 3,676.4 3,676.6 3,697.1 3,712.4 3,739.4 3,732.3 3,725.0 3,762.0 3,749.2 2 Securities in bank credit 993.8 1,001.7 992.0 982.8 979.0 972.0 969.3 980.0 975.6 976.8 986.7 984.7 3 U.S. government securities 711.8 714.1 708.7 705.9 705.5 705.2 701.5 705.7 704.2 703.6 707.6 705.8 4 Other securities 282.0 287.6 283.4 276.9 273.5 266.8 267.9 274.4 271.4 273.1 279.1 278.9 5 Loans and leases in bank credit (2) 2,611.7 2,667.8 2,684.2 2,693.6 2,697.6 2,725.1 2,743.1 2,759.4 2,756.7 2,748.2 2,775.2 2,764.5 6 Commercial and industrial 712.1 741.0 741.6 743.5 740.7 753.0 761.9 769.1 766.7 767.5 774.6 771.4 7 Real estate 1,083.5 1,095.6 1,100.5 1,102.9 1,109.3 1,113.4 1,117.0 1,123.8 1,120.9 1,124.4 1,127.9 1,127.3 8 Revolving home equity 79.2 79.6 79.2 79.8 80.6 81.5 82.9 83.8 83.4 83.9 84.1 84.8 9 Other 1,004.3 1,016.1 1,021.3 1,023.0 1,028.7 1,031.8 1,034.1 1,040.0 1,037.6 1,040.5 1,043.7 1,042.5 10 Consumer 494.0 503.2 506.5 509.7 514.0 519.1 518.0 518.0 516.5 518.0 518.7 520.6 11 Security (3) 88.3 78.4 80.0 77.8 74.7 76.7 76.8 79.2 81.6 72.6 83.4 75.6 12 Other loans and leases 233.8 249.5 255.6 259.6 258.8 263.0 269.3 269.3 271.0 265.7 270.7 269.6 13 Interbank loans 199.7 202.3 203.3 196.9 197.7 200.0 199.5 217.8 218.7 216.9 216.0 225.9 14 Cash assets (4) 220.3 216.7 214.6 214.6 209.8 218.7 221.9 234.3 250.6 225.6 240.9 231.2 15 Other assets (5) 226.0 234.6 243.4 255.7 260.2 263.0 256.4 266.0 270.0 260.3 267.7 276.7 16 TOTAL ASSETS (6) 4,194.7 4,266.1 4,280.4 4,286.0 4,286.4 4,320.6 4,332.0 4,399.2 4,413.3 4,369.4 4,428.2 4,424.5 L I A B I L I T I E S 17 Deposits 2,658.0 2,707.4 2,718.3 2,721.5 2,729.6 2,752.2 2,778.0 2,831.4 2,845.3 2,797.9 2,857.5 2,859.0 18 Transaction 781.7 743.9 743.2 735.3 719.6 720.0 700.1 716.9 729.5 695.5 736.4 719.3 19 Nontransaction 1,876.3 1,963.5 1,975.0 1,986.2 2,010.0 2,032.2 2,077.8 2,114.5 2,115.8 2,102.5 2,121.1 2,139.7 20 Large time 424.3 445.4 445.2 445.9 452.0 456.3 464.7 474.0 472.2 471.5 478.9 479.6 21 Other 1,452.0 1,518.1 1,529.8 1,540.3 1,558.0 1,575.9 1,613.1 1,640.5 1,643.6 1,630.9 1,642.2 1,660.1 22 Borrowings 683.8 707.3 711.3 704.1 696.2 706.9 672.7 689.6 687.9 690.6 697.6 685.6 23 From banks in the U.S. 288.0 295.6 297.5 294.2 290.9 295.7 286.0 299.4 296.3 298.8 303.2 309.9 24 From others 395.8 411.7 413.8 409.9 405.3 411.3 386.7 390.3 391.6 391.8 394.4 375.6 25 Net due to related foreign offices 262.7 258.2 247.6 247.5 242.5 241.1 249.7 239.0 240.8 242.3 234.0 234.0 26 Other liabilities 228.0 221.2 227.9 224.0 226.2 230.7 248.7 262.8 265.9 256.3 265.9 269.1 27 TOTAL LIABILITIES 3,832.5 3,894.1 3,905.1 3,897.1 3,894.5 3,930.9 3,949.0 4,022.8 4,039.9 3,987.1 4,055.0 4,047.7 28 Residual (assets less liabilities) (7) 362.2 372.0 375.3 388.9 391.9 389.7 383.0 376.4 373.4 382.2 373.2 376.9 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 73.2 69.9 71.7 76.3 77.7 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 62.5 58.9 61.3 65.1 67.5 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,162.5 3,214.3 3,213.4 3,214.7 3,206.8 3,223.0 3,232.4 3,238.2 3,234.4 3,230.5 3,252.1 3,242.6 2 Securities in bank credit 854.2 845.7 837.9 835.1 822.7 822.1 820.8 821.2 818.9 819.5 825.2 820.3 3 U.S. government securities 646.5 635.3 629.2 627.5 619.5 619.9 618.4 617.2 616.5 616.1 617.4 615.1 4 Other securities 207.7 210.3 208.7 207.6 203.2 202.2 202.4 204.0 202.5 203.4 207.8 205.2 5 Loans and leases in bank credit (2) 2,308.3 2,368.7 2,375.5 2,379.6 2,384.1 2,400.9 2,411.6 2,417.1 2,415.4 2,411.0 2,426.9 2,422.3 6 Commercial and industrial 535.1 548.6 548.7 550.0 552.1 559.9 562.6 563.7 562.5 562.1 566.7 565.9 7 Real estate 1,040.8 1,065.6 1,069.1 1,069.7 1,076.2 1,078.1 1,080.4 1,084.5 1,080.7 1,085.8 1,089.1 1,088.3 8 Revolving home equity 78.8 79.7 79.3 79.7 80.3 81.0 82.2 83.3 82.8 83.4 83.7 84.5 9 Other 962.0 985.9 989.8 990.0 995.9 997.1 998.2 1,001.2 997.9 1,002.3 1,005.4 1,003.8 10 Consumer 493.1 504.9 510.2 512.5 513.9 517.9 517.5 517.2 516.1 517.6 517.3 518.3 11 Security (3) 53.5 50.7 46.8 46.1 42.1 44.2 43.9 43.2 45.9 39.4 43.5 43.4 12 Other loans and leases 185.7 198.8 200.7 201.3 199.7 200.8 207.2 208.5 210.3 206.1 210.3 206.4 13 Interbank loans 169.1 187.4 184.6 180.5 183.5 186.9 182.4 193.9 190.4 193.1 200.6 190.4 14 Cash assets (4) 186.2 193.2 191.5 191.6 194.2 192.7 192.9 199.9 210.4 192.3 203.2 191.7 15 Other assets (5) 178.2 188.0 201.5 215.1 219.8 223.6 223.2 232.4 234.2 231.0 234.7 240.3 16 TOTAL ASSETS (6) 3,639.5 3,726.1 3,733.8 3,744.1 3,746.5 3,768.2 3,772.7 3,806.4 3,811.5 3,788.9 3,832.6 3,806.9 L I A B I L I T I E S 17 Deposits 2,473.6 2,545.1 2,549.4 2,553.9 2,567.5 2,579.2 2,594.3 2,630.4 2,636.9 2,602.4 2,662.8 2,638.0 18 Transaction 758.3 745.4 738.9 731.8 722.5 711.0 691.7 695.2 701.5 675.1 718.3 685.7 19 Nontransaction 1,715.3 1,799.8 1,810.5 1,822.0 1,845.0 1,868.2 1,902.6 1,935.2 1,935.4 1,927.3 1,944.6 1,952.3 20 Large time 267.7 279.4 283.1 285.5 290.3 296.2 295.2 300.1 300.8 299.5 300.3 302.4 21 Other 1,447.6 1,520.4 1,527.4 1,536.6 1,554.7 1,572.0 1,607.5 1,635.1 1,634.6 1,627.8 1,644.3 1,649.9 22 Borrowings 566.6 585.6 582.9 579.4 583.5 593.8 565.2 567.9 563.1 580.2 570.5 549.6 23 From banks in the U.S. 265.0 275.3 275.6 278.2 280.6 286.8 262.0 261.7 257.1 271.9 262.4 250.4 24 From others 301.6 310.2 307.3 301.2 303.0 307.0 303.2 306.2 306.0 308.4 308.2 299.3 25 Net due to related foreign offices 89.6 88.0 79.7 76.9 72.0 71.6 78.5 69.8 70.8 71.3 65.8 71.6 26 Other liabilities 148.0 146.9 157.9 156.9 160.4 162.3 174.0 180.6 185.3 175.2 180.8 182.4 27 TOTAL LIABILITIES 3,277.9 3,365.6 3,369.8 3,367.1 3,383.4 3,406.9 3,412.0 3,448.7 3,456.1 3,429.2 3,480.0 3,441.6 28 Residual (assets less liabilities) (7) 361.7 360.5 364.0 377.0 363.1 361.3 360.7 357.7 355.3 359.6 352.7 365.3 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,172.2 3,214.8 3,213.7 3,206.7 3,203.4 3,225.3 3,234.5 3,245.1 3,241.0 3,237.2 3,255.7 3,252.1 2 Securities in bank credit 855.1 849.0 841.2 831.1 824.7 823.5 819.1 819.6 817.5 818.1 821.5 820.0 3 U.S. government securities 645.5 637.0 630.4 625.4 621.4 621.8 618.4 617.0 616.2 615.6 616.0 617.1 4 Other securities 209.5 212.0 210.7 205.7 203.3 201.7 200.7 202.6 201.3 202.5 205.5 202.9 5 Loans and leases in bank credit (2) 2,317.2 2,365.8 2,372.5 2,375.7 2,378.7 2,401.8 2,415.4 2,425.6 2,423.4 2,419.1 2,434.2 2,432.1 6 Commercial and industrial 534.1 554.1 551.2 550.0 547.9 555.7 560.2 562.6 561.1 561.7 565.3 563.3 7 Real estate 1,046.3 1,062.7 1,067.8 1,069.6 1,075.8 1,079.8 1,083.5 1,090.0 1,087.3 1,090.5 1,093.9 1,093.6 8 Revolving home equity 79.2 79.6 79.2 79.8 80.6 81.5 82.9 83.8 83.3 83.9 84.1 84.8 9 Other 967.0 983.1 988.5 989.8 995.2 998.3 1,000.6 1,006.2 1,004.0 1,006.6 1,009.8 1,008.8 10 Consumer 494.0 503.2 506.5 509.7 514.0 519.1 518.0 518.0 516.5 518.0 518.7 520.6 11 Security (3) 55.4 49.6 47.0 44.8 41.2 44.1 44.1 44.6 46.5 41.3 45.1 44.3 12 Other loans and leases 187.4 196.2 200.1 201.5 199.9 203.1 209.6 210.3 212.1 207.6 211.2 210.2 13 Interbank loans 173.2 180.8 182.6 177.7 178.6 180.7 179.2 197.5 196.7 195.3 198.3 204.3 14 Cash assets (4) 190.7 191.0 188.6 188.9 184.1 192.7 193.4 204.7 220.8 196.3 210.9 200.4 15 Other assets (5) 176.8 188.3 201.3 216.5 220.8 224.7 223.7 230.4 233.9 225.7 231.5 239.0 16 TOTAL ASSETS (6) 3,656.3 3,717.9 3,728.9 3,732.3 3,728.9 3,765.2 3,772.8 3,819.5 3,834.3 3,796.3 3,838.4 3,837.5 L I A B I L I T I E S 17 Deposits 2,488.5 2,533.4 2,544.0 2,549.3 2,556.9 2,578.5 2,593.8 2,642.9 2,659.1 2,612.3 2,665.3 2,662.5 18 Transaction 771.7 733.7 732.7 724.7 708.9 709.4 689.8 706.6 719.2 685.4 726.5 708.7 19 Nontransaction 1,716.8 1,799.7 1,811.3 1,824.6 1,848.0 1,869.1 1,904.0 1,936.3 1,940.0 1,926.9 1,938.8 1,953.8 20 Large time 267.4 282.7 282.9 285.6 291.7 295.5 294.6 299.7 300.3 299.4 299.9 300.3 21 Other 1,449.3 1,517.1 1,528.4 1,539.0 1,556.3 1,573.5 1,609.4 1,636.6 1,639.7 1,627.5 1,639.0 1,653.5 22 Borrowings 576.8 584.1 587.1 582.2 574.0 585.6 558.4 565.9 563.5 572.1 565.3 561.7 23 From banks in the U.S. 268.5 273.8 275.6 273.5 270.2 273.1 254.4 263.0 262.2 266.4 258.6 269.4 24 From others 308.3 310.2 311.5 308.7 303.8 312.4 304.0 302.9 301.2 305.7 306.7 292.3 25 Net due to related foreign offices 88.4 93.1 78.5 75.8 70.4 68.8 77.9 68.4 67.6 69.4 68.6 68.6 26 Other liabilities 149.6 148.4 158.2 156.9 158.9 162.1 174.0 180.6 185.3 175.2 180.8 182.4 27 TOTAL LIABILITIES 3,303.4 3,358.9 3,367.8 3,364.2 3,360.2 3,395.0 3,404.2 3,457.7 3,475.5 3,428.9 3,480.1 3,475.2 28 Residual (assets less liabilities) (7) 352.9 359.0 361.1 368.1 368.7 370.2 368.6 361.8 358.8 367.4 358.3 362.3 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 33.3 31.5 32.6 35.0 35.2 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 28.9 27.0 27.9 30.6 31.4 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 240.0 237.0 240.8 241.1 242.2 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,814.4 1,820.1 1,809.9 1,804.0 1,786.6 1,794.3 1,796.5 1,797.6 1,794.7 1,790.4 1,806.8 1,801.9 2 Securities in bank credit 452.4 433.7 425.0 420.8 408.1 406.3 405.7 408.2 404.9 407.1 412.6 408.5 3 U.S. government securities 322.6 303.5 296.1 292.9 284.7 283.8 283.7 284.4 282.9 283.9 285.0 283.2 3a Trading account 21.0 21.5 20.9 20.8 19.5 20.6 21.3 21.8 21.1 20.4 22.5 22.5 3b Investment account 301.6 282.0 275.2 272.0 265.2 263.2 262.3 262.6 261.7 263.6 262.5 260.7 4 Other securities 129.9 130.2 128.9 127.9 123.4 122.5 122.0 123.7 122.0 123.2 127.6 125.2 4a Trading account 59.1 59.9 58.4 59.6 57.7 57.1 55.7 57.8 56.6 57.1 61.0 58.3 4b Investment account 70.7 70.3 70.5 68.3 65.8 65.4 66.3 66.0 65.4 66.1 66.6 66.9 4c State and local government 22.0 21.0 20.6 20.6 20.5 20.3 20.2 20.2 20.3 20.3 20.1 20.2 4d Other 48.7 49.3 49.9 47.7 45.3 45.1 46.1 45.7 45.1 45.8 46.5 46.7 5 Loans and leases in bank credit (2) 1,361.9 1,386.4 1,385.0 1,383.2 1,378.5 1,388.0 1,390.8 1,389.4 1,389.9 1,383.3 1,394.2 1,393.4 6 Commercial and industrial 368.1 373.4 372.2 372.8 373.0 378.9 380.3 379.9 378.9 378.6 382.1 381.8 7 Real estate 552.9 556.5 555.5 552.3 553.1 551.8 549.9 550.5 547.8 551.1 553.0 552.9 8 Revolving home equity 51.7 52.0 51.6 51.9 52.1 52.3 52.3 53.0 52.5 53.1 53.3 54.1 9 Other 501.2 504.5 503.9 500.4 501.0 499.5 497.6 497.5 495.3 498.0 499.8 498.8 10 Consumer 268.8 275.5 278.7 279.0 279.3 281.5 278.5 277.6 277.2 277.5 276.4 279.9 11 Security (3) 48.2 45.4 41.5 40.8 36.8 38.9 38.7 37.8 40.5 34.1 37.9 37.9 12a State and local government 11.6 11.2 11.1 11.2 11.1 10.8 10.8 11.1 11.0 11.1 11.2 11.3 12b All other 112.3 124.5 126.0 127.2 125.3 126.2 132.5 132.5 134.3 130.8 133.5 129.6 13 Interbank loans 115.2 135.5 132.1 130.1 132.0 134.1 130.2 137.8 134.6 138.9 142.7 133.0 14 Cash assets (4) 123.2 126.3 124.0 125.9 127.6 126.2 125.9 131.2 139.0 127.6 132.5 120.9 15 Other assets (5) 127.0 137.5 149.3 159.2 163.4 166.6 165.1 172.1 173.5 171.2 171.9 180.8 16 TOTAL ASSETS (6) 2,143.3 2,183.1 2,179.0 2,182.4 2,172.9 2,184.6 2,181.0 2,202.4 2,205.5 2,191.9 2,217.7 2,200.3 L I A B I L I T I E S 17 Deposits 1,287.1 1,325.7 1,326.2 1,330.5 1,334.6 1,338.9 1,345.6 1,358.0 1,358.0 1,343.7 1,376.8 1,362.0 18 Transaction 421.4 412.5 405.7 403.8 395.7 386.2 382.1 382.2 385.4 370.0 396.6 373.0 19 Nontransaction 865.7 913.2 920.4 926.8 939.0 952.7 963.6 975.8 972.6 973.7 980.2 988.9 20 Large time 125.2 130.2 134.1 136.1 139.1 145.1 151.7 153.7 154.9 152.9 153.1 154.3 21 Other 740.5 783.0 786.3 790.7 799.9 807.6 811.9 822.1 817.8 820.8 827.1 834.6 22 Borrowings 425.8 432.7 424.9 413.8 411.2 421.6 398.6 404.4 400.1 415.0 405.6 391.9 23 From banks in the U.S. 183.3 187.1 185.0 182.0 180.6 186.9 171.0 174.8 171.5 182.2 174.0 171.0 24 From others 242.5 245.6 239.9 231.8 230.7 234.7 227.6 229.6 228.6 232.9 231.7 220.9 25 Net due to related foreign offices 84.1 83.6 74.5 71.4 68.0 65.9 75.2 67.4 68.5 69.0 63.2 69.0 26 Other liabilities 116.9 118.3 129.6 128.0 131.6 133.9 147.0 154.5 159.9 148.2 155.2 156.5 27 TOTAL LIABILITIES 1,913.9 1,960.3 1,955.2 1,943.8 1,945.4 1,960.4 1,966.5 1,984.3 1,986.6 1,976.0 2,000.9 1,979.4 28 Residual (assets less liabilities) (7) 229.4 222.8 223.8 238.6 227.5 224.2 214.5 218.0 218.9 215.9 216.8 220.9 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,822.7 1,819.2 1,808.3 1,796.4 1,784.4 1,793.5 1,797.4 1,803.1 1,799.9 1,796.1 1,808.7 1,810.7 2 Securities in bank credit 455.4 434.8 426.0 417.6 411.7 407.9 405.9 408.4 405.3 407.9 410.0 410.6 3 U.S. government securities 324.0 303.1 295.0 291.3 288.0 286.0 285.6 286.2 284.5 285.8 285.2 287.7 3a Trading account 21.9 21.3 19.6 19.9 20.9 21.0 22.0 22.8 22.3 22.0 22.4 24.5 3b Investment account 302.1 281.8 275.3 271.3 267.1 265.0 263.6 263.4 262.2 263.8 262.8 263.1 4 Other securities 131.4 131.6 131.0 126.3 123.7 122.0 120.4 122.2 120.8 122.1 124.8 123.0 4a Trading account 59.8 61.7 61.1 58.7 57.8 56.2 53.5 55.3 54.6 55.0 57.3 55.5 4b Investment account 71.6 69.9 69.9 67.6 65.9 65.8 66.8 66.8 66.2 67.1 67.5 67.5 4c State and local government 22.2 21.1 20.7 20.3 20.3 20.3 20.2 20.3 20.4 20.4 20.3 20.3 4d Other 49.5 48.8 49.2 47.4 45.6 45.5 46.6 46.5 45.8 46.7 47.3 47.2 5 Loans and leases in bank credit (2) 1,367.2 1,384.4 1,382.3 1,378.8 1,372.8 1,385.5 1,391.4 1,394.7 1,394.6 1,388.2 1,398.7 1,400.0 6 Commercial and industrial 367.7 377.1 373.3 372.7 370.1 375.8 378.7 379.7 378.3 379.0 381.5 380.3 7 Real estate 555.8 554.3 554.3 552.1 552.6 552.0 551.2 553.5 551.6 553.4 555.3 556.4 8 Revolving home equity 52.0 51.9 51.5 51.9 52.2 52.6 52.8 53.4 52.9 53.4 53.6 54.3 9 Other 503.7 502.5 502.8 500.1 500.4 499.4 498.4 500.1 498.7 500.0 501.7 502.0 10 Consumer 269.1 274.2 276.3 276.6 278.9 281.2 278.5 277.9 277.4 277.4 277.0 281.1 11 Security (3) 49.9 44.5 41.8 39.7 35.9 38.8 38.9 38.9 40.8 35.7 39.5 38.4 12a State and local government 11.6 11.2 11.1 11.2 11.2 10.9 10.9 11.1 11.0 11.1 11.2 11.3 12b All other 113.2 123.1 125.5 126.5 124.1 126.9 133.4 133.6 135.4 131.5 134.3 132.6 13 Interbank loans 114.5 132.0 133.2 129.9 127.9 129.6 126.1 137.0 136.1 136.5 139.4 139.8 14 Cash assets (4) 125.3 124.6 122.8 123.6 119.7 126.4 125.6 133.6 145.8 129.3 137.3 126.8 15 Other assets (5) 126.2 138.0 150.3 160.6 164.1 167.0 165.2 170.6 172.6 167.8 170.5 180.0 16 TOTAL ASSETS (6) 2,151.9 2,177.5 2,178.2 2,174.0 2,159.3 2,179.6 2,177.7 2,207.9 2,218.0 2,193.2 2,219.6 2,220.6 L I A B I L I T I E S 17 Deposits 1,295.9 1,317.9 1,324.3 1,327.2 1,328.0 1,338.9 1,343.0 1,365.2 1,372.4 1,349.6 1,379.2 1,377.0 18 Tranlgdtion 429.5 404.6 402.8 398.2 385.9 386.3 379.5 389.2 397.0 377.1 403.7 386.9 19 Nontranlgdtion 866.4 913.2 921.6 929.0 942.0 952.6 963.5 976.0 975.4 972.4 975.5 990.1 20 Large time 124.9 132.6 134.1 136.5 140.6 144.4 150.8 153.3 154.3 152.6 152.8 153.2 21 Other 741.5 780.6 787.4 792.4 801.4 808.2 812.7 822.7 821.1 819.8 822.7 836.9 22 Borrowings 433.9 429.0 427.5 419.6 407.3 416.8 394.4 403.3 401.5 409.4 400.3 401.2 23 From banks in the U.S. 186.4 184.6 184.1 180.7 175.4 177.9 166.7 176.6 176.2 179.6 171.3 185.3 24 From others 247.5 244.4 243.4 238.9 231.9 238.8 227.7 226.7 225.3 229.8 229.0 215.9 25 Net due to related foreign offices 83.0 88.7 73.6 70.5 66.5 63.1 74.5 66.1 65.3 67.1 66.4 66.4 26 Other liabilities 118.7 120.1 130.0 128.3 130.0 133.6 147.0 154.5 159.9 148.2 155.2 156.5 27 TOTAL LIABILITIES 1,931.4 1,955.7 1,955.4 1,945.6 1,931.8 1,952.3 1,959.0 1,989.2 1,999.2 1,974.2 2,001.1 2,001.1 28 Residual (assets less liabilities) (7) 220.5 221.8 222.8 228.4 227.5 227.3 218.7 218.6 218.8 219.0 218.5 219.5 MEMO 29 Reval. gains on off-bal. sheet itens(8) -- -- -- -- -- -- -- 33.3 31.5 32.6 35.0 35.2 30 Reval. losses on off-bal. sheet itens (8) -- -- -- -- -- -- -- 28.9 27.0 27.9 30.6 31.4 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 187.2 184.6 188.0 188.2 189.1 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,348.1 1,394.2 1,403.5 1,410.7 1,420.2 1,428.7 1,435.9 1,440.6 1,439.6 1,440.1 1,445.3 1,440.7 2 Securities in bank credit 401.7 412.0 412.9 414.3 414.6 415.8 415.1 413.0 414.1 412.4 412.6 411.9 3 U.S. government securities 323.9 331.8 333.1 334.6 334.9 336.1 334.7 332.8 333.6 332.2 332.4 331.9 4 Other securities 77.9 80.1 79.8 79.7 79.7 79.7 80.4 80.2 80.5 80.2 80.2 80.0 5 Loans and leases in bank credit (2) 946.4 982.2 990.6 996.4 1,005.6 1,012.9 1,020.8 1,027.6 1,025.6 1,027.7 1,032.7 1,028.9 6 Commercial and industrial 167.1 175.1 176.5 177.1 179.1 181.1 182.3 183.8 183.6 183.5 184.6 184.1 7 Real estate 487.9 509.2 513.6 517.4 523.1 526.3 530.5 534.0 532.9 534.7 536.1 535.4 8 Revolving home equity 27.1 27.7 27.7 27.8 28.3 28.7 29.9 30.3 30.3 30.4 30.5 30.4 9 Other 460.8 481.5 485.9 489.6 494.9 497.6 500.6 503.7 502.6 504.3 505.6 504.9 10 Consumer 224.3 229.5 231.5 233.5 234.6 236.4 239.0 239.6 238.8 240.1 240.9 238.5 11 Security (3) 5.3 5.3 5.3 5.3 5.4 5.4 5.2 5.4 5.4 5.3 5.6 5.5 12 Other loans and leases 61.8 63.2 63.7 63.0 63.4 63.8 63.9 64.9 64.9 64.2 65.6 65.5 13 Interbank loans 53.9 51.9 52.5 50.4 51.5 52.8 52.3 56.1 55.8 54.2 57.9 57.4 14 Cash assets (4) 63.0 67.0 67.5 65.7 66.7 66.5 67.0 68.7 71.4 64.7 70.7 70.8 15 Other assets (5) 51.1 50.5 52.2 56.0 56.4 57.0 58.1 60.3 60.7 59.8 62.8 59.5 16 TOTAL ASSETS (6) 1,496.2 1,543.0 1,554.8 1,561.7 1,573.5 1,583.7 1,591.7 1,604.1 1,606.0 1,597.0 1,615.0 1,606.6 L I A B I L I T I E S 17 Deposits 1,186.4 1,219.4 1,223.2 1,223.4 1,232.9 1,240.3 1,248.7 1,272.4 1,278.9 1,258.7 1,286.0 1,276.1 18 Transaction 336.9 332.8 333.1 328.1 326.8 324.7 309.6 313.0 316.1 305.1 321.7 312.7 19 Nontransaction 849.6 886.6 890.0 895.3 906.1 915.5 939.1 959.4 962.8 953.6 964.3 963.4 20 Large time 142.5 149.2 148.9 149.3 151.2 151.1 143.5 146.4 145.9 146.7 147.2 148.1 21 Other 707.1 737.4 741.1 745.9 754.9 764.4 795.6 813.0 816.9 807.0 817.1 815.3 22 Borrowings 140.9 152.9 158.0 165.6 172.3 172.2 166.6 163.5 163.1 165.2 164.9 157.8 23 From banks in the U.S. 81.8 88.3 90.6 96.2 100.0 99.9 91.0 86.9 85.6 89.7 88.4 79.4 24 From others 59.1 64.6 67.4 69.4 72.3 72.3 75.6 76.6 77.4 75.5 76.5 78.4 25 Net due to related foreign offices 5.5 4.4 5.1 5.5 4.0 5.7 3.3 2.4 2.3 2.3 2.6 2.5 26 Other liabilities 31.1 28.6 28.3 28.9 28.8 28.3 27.0 26.1 25.4 27.1 25.6 25.9 27 TOTAL LIABILITIES 1,364.0 1,405.4 1,414.6 1,423.3 1,438.0 1,446.5 1,445.6 1,464.4 1,469.6 1,453.3 1,479.1 1,462.3 28 Residual (assets less liabilities) (7) 132.3 137.7 140.2 138.4 135.6 137.1 146.2 139.7 136.4 143.7 135.9 144.4 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,349.6 1,395.6 1,405.4 1,410.4 1,419.0 1,431.8 1,437.1 1,442.1 1,441.0 1,441.1 1,447.0 1,441.4 2 Securities in bank credit 399.6 414.2 415.2 413.5 413.0 415.6 413.1 411.2 412.2 410.2 411.5 409.4 3 U.S. government securities 321.5 333.9 335.5 334.1 333.4 335.9 332.8 330.8 331.7 329.8 330.9 329.5 4 Other securities 78.1 80.3 79.7 79.4 79.6 79.7 80.3 80.4 80.5 80.4 80.6 79.9 5 Loans and leases in bank credit (2) 949.9 981.3 990.2 996.9 1,006.0 1,016.3 1,024.0 1,030.9 1,028.9 1,030.9 1,035.5 1,032.0 6 Commercial and industrial 166.3 177.0 177.9 177.3 177.8 180.0 181.5 183.0 182.7 182.7 183.8 183.1 7 Real estate 490.5 508.4 513.5 517.5 523.1 527.8 532.3 536.5 535.7 537.1 538.6 537.3 8 Revolving home equity 27.2 27.7 27.7 27.9 28.3 28.9 30.1 30.4 30.4 30.4 30.5 30.4 9 Other 463.3 480.7 485.7 489.7 494.8 498.9 502.3 506.1 505.3 506.6 508.1 506.8 10 Consumer 224.9 229.0 230.2 233.1 235.1 237.9 239.5 240.1 239.1 240.6 241.7 239.4 11 Security (3) 5.6 5.1 5.2 5.2 5.3 5.3 5.2 5.7 5.6 5.5 5.6 5.9 12 Other loans and leases 62.6 61.9 63.5 63.8 64.7 65.3 65.4 65.6 65.7 65.0 65.7 66.3 13 Interbank loans 58.7 48.8 49.4 47.8 50.7 51.1 53.2 60.5 60.6 58.8 58.9 64.6 14 Cash assets (4) 65.4 66.4 65.8 65.3 64.3 66.3 67.8 71.1 75.0 67.0 73.6 73.6 15 Other assets (5) 50.6 50.3 50.9 55.9 56.7 57.7 58.6 59.7 61.3 57.9 61.1 58.9 16 TOTAL ASSETS (6) 1,504.4 1,540.4 1,550.7 1,558.3 1,569.6 1,585.6 1,595.1 1,611.7 1,616.3 1,603.2 1,618.8 1,616.8 L I A B I L I T I E S 17 Deposits 1,192.7 1,215.5 1,219.6 1,222.1 1,228.9 1,239.6 1,250.8 1,277.7 1,286.7 1,262.7 1,286.1 1,285.5 18 Transaction 342.3 329.0 329.9 326.4 322.9 323.1 310.3 317.4 322.1 308.3 322.8 321.8 19 Nontransaction 850.4 886.5 889.8 895.6 905.9 916.5 940.4 960.3 964.6 954.4 963.3 963.7 20 Large time 142.5 150.0 148.8 149.1 151.0 151.2 143.8 146.4 146.0 146.7 147.1 147.1 21 Other 707.9 736.5 741.0 746.5 754.9 765.3 796.7 813.9 818.5 807.7 816.2 816.5 22 Borrowings 142.9 155.0 159.6 162.6 166.6 168.8 164.1 162.5 162.0 162.6 165.0 160.5 23 From banks in the U.S. 82.1 89.2 91.5 92.8 94.7 95.2 87.7 86.4 86.1 86.8 87.3 84.1 24 From others 60.8 65.8 68.0 69.8 71.9 73.6 76.3 76.2 75.9 75.9 77.7 76.4 25 Net due to related foreign offices 5.4 4.3 4.9 5.3 4.0 5.8 3.4 2.3 2.2 2.3 2.2 2.2 26 Other liabilities 30.9 28.2 28.2 28.6 28.8 28.5 27.0 26.1 25.4 27.1 25.6 25.9 27 TOTAL LIABILITIES 1,371.9 1,403.1 1,412.3 1,418.6 1,428.3 1,442.6 1,445.2 1,468.5 1,476.3 1,454.7 1,479.0 1,474.1 MEMO 28 Residual (assets less liabilities) (7) 132.4 137.2 138.4 139.7 141.2 143.0 149.9 143.2 140.0 148.4 139.9 142.8 31 Mortgage-backed securities (9) -- -- -- -- -- -- -- 52.8 52.5 52.8 52.9 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 436.8 457.7 465.9 468.7 471.0 470.2 481.0 502.0 498.8 495.8 517.3 504.3 2 Securities in bank credit 140.8 151.0 152.9 150.9 152.1 147.2 149.2 166.6 163.1 164.3 173.6 172.4 3 U.S. government securities 67.0 77.9 79.3 80.7 82.8 83.9 83.8 89.7 88.3 89.1 93.9 89.6 4 Other securities 73.8 73.0 73.6 70.1 69.3 63.3 65.4 76.9 74.9 75.2 79.7 82.8 5 Loans and leases in bank credit (2) 296.0 306.7 313.0 317.9 318.8 323.0 331.9 335.4 335.7 331.5 343.8 331.9 6 Commercial and industrial 178.7 187.0 189.9 192.5 191.9 198.0 203.8 207.2 207.4 206.2 209.4 208.9 7 Real estate 37.0 33.1 32.8 33.3 33.5 33.4 33.5 33.6 33.4 33.7 33.8 33.4 11 Security (3) 33.5 31.9 35.3 34.3 34.7 32.8 34.6 35.5 35.7 32.9 40.8 31.3 12 Other loans and leases 46.8 54.7 55.0 57.8 58.7 58.8 60.0 59.1 59.2 58.6 59.8 58.3 13 Interbank loans 27.3 21.3 22.4 19.2 19.9 18.8 18.9 20.9 21.9 23.6 16.4 21.3 14 Cash assets (4) 30.0 26.1 25.2 25.3 25.1 25.2 28.1 30.0 30.0 29.5 30.5 31.8 15 Other assets (5) 48.4 45.7 42.3 39.7 38.6 38.1 32.9 35.2 35.7 34.1 35.6 37.1 16 TOTAL ASSETS (6) 542.4 550.8 555.8 552.9 554.5 552.3 560.8 588.0 586.3 582.9 599.6 594.4 L I A B I L I T I E S 17 Deposits 168.5 172.6 172.1 174.5 174.4 173.7 185.7 186.7 183.9 184.0 190.4 195.1 18 Transaction 9.9 11.0 10.8 10.7 10.8 10.0 10.2 10.2 10.0 10.0 9.9 10.5 19 Nontransaction 158.6 161.7 161.3 163.9 163.6 163.7 175.6 176.5 173.9 174.1 180.5 184.6 20 Large time 155.6 160.6 162.3 162.6 162.4 161.3 171.3 172.7 170.6 170.9 176.7 176.6 21 Other 3.0 1.1 -1.0 1.3 1.2 2.4 4.3 3.8 3.3 3.2 3.8 7.9 22 Borrowings 109.0 125.0 120.0 116.5 120.3 119.0 116.8 127.6 128.3 122.9 141.2 122.6 23 From banks in the U.S. 19.8 23.4 20.3 19.6 20.9 22.4 33.7 37.0 33.5 33.6 46.9 38.7 24 From others 89.2 101.5 99.7 96.8 99.4 96.6 83.1 90.6 94.8 89.3 94.3 83.8 25 Net due to related foreign offices 174.0 167.9 175.4 172.0 171.5 173.0 169.7 171.5 174.6 176.7 155.4 172.8 26 Other liabilities 78.0 71.7 69.2 67.6 66.4 68.4 74.6 82.2 80.6 81.1 85.1 86.7 27 TOTAL LIABILITIES 529.5 537.1 536.8 530.6 532.6 534.1 546.9 568.1 567.4 564.8 572.0 577.2 28 Residual (assets less liabilities) (7) 12.9 13.6 19.1 22.3 21.9 18.2 13.9 19.9 18.9 18.1 27.6 17.2 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 Nov May Jun Jul Aug Sep Oct Nov Nov 13 Nov 20 Nov 27 Dec 4 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 433.3 454.8 462.6 469.7 473.2 471.8 477.9 494.3 491.3 487.8 506.2 497.1 2 Securities in bank credit 138.7 152.7 150.9 151.7 154.3 148.5 150.3 160.5 158.0 158.7 165.2 164.7 3 U.S. government securities 66.2 77.1 78.2 80.5 84.1 83.4 83.1 88.7 88.0 88.0 91.6 88.7 3a Trading account -- -- -- -- -- -- 18.9 22.2 20.9 21.8 24.7 22.9 3b Investment account -- -- -- -- -- -- 64.2 66.5 67.1 66.2 66.8 65.8 4 Other securities 72.5 75.6 72.6 71.2 70.2 65.1 67.1 71.8 70.1 70.6 73.7 76.0 4a Trading account -- -- -- -- -- -- 46.8 50.6 48.8 49.4 52.5 54.6 4b Investment account -- -- -- -- -- -- 20.3 21.3 21.3 21.3 21.2 21.4 5 Loans and leases in bank credit (2) 294.5 302.0 311.7 317.9 318.9 323.3 327.6 333.8 333.3 329.1 341.0 332.5 6 Commercial and industrial 178.1 187.0 190.4 193.6 192.9 197.2 201.7 206.5 205.7 205.8 209.3 208.1 7 Real estate 37.2 32.9 32.8 33.2 33.5 33.5 33.5 33.8 33.6 33.9 34.0 33.7 11 Security (3) 32.9 28.9 33.0 33.0 33.6 32.6 32.7 34.6 35.1 31.4 38.3 31.3 12 Other loans and leases 46.3 53.3 55.6 58.1 58.9 60.0 59.6 59.0 58.9 58.0 59.4 59.4 13 Interbank loans 26.5 21.5 20.7 19.1 19.1 19.3 20.3 20.3 22.0 21.5 17.6 21.5 14 Cash assets (4) 29.6 25.7 26.0 25.7 25.7 26.1 28.5 29.6 29.8 29.3 30.0 30.8 15 Other assets (5) 49.2 46.3 42.2 39.2 39.4 38.2 32.7 35.7 36.1 34.6 36.2 37.8 16 TOTAL ASSETS (6) 538.5 548.2 551.4 553.7 557.5 555.4 559.2 579.7 579.0 573.0 589.8 587.1 L I A B I L I T I E S 17 Deposits 169.5 174.0 174.3 172.3 172.7 173.7 184.2 188.5 186.1 185.6 192.2 196.5 18 Transaction 10.0 10.3 10.6 10.7 10.7 10.6 10.3 10.3 10.3 10.1 9.9 10.6 19 Nontransaction 159.5 163.8 163.7 161.6 162.1 163.1 173.8 178.2 175.9 175.6 182.2 185.9 20 Large time 156.9 162.8 162.3 160.3 160.3 160.8 170.1 174.3 171.9 172.2 179.0 179.3 21 Other 2.6 1.0 1.4 1.3 1.7 2.4 3.7 3.9 3.9 3.4 3.2 6.7 22 Borrowings 107.0 123.2 124.3 121.9 122.2 121.3 114.3 123.8 124.4 118.5 132.3 123.8 23 From banks in the U.S. 19.5 21.8 21.9 20.7 20.7 22.5 31.6 36.4 34.0 32.4 44.7 40.5 24 From others 87.5 101.4 102.3 101.2 101.5 98.8 82.7 87.4 90.4 86.1 87.7 83.4 25 Net due to related foreign offices 174.3 165.2 169.1 171.7 172.1 172.3 171.8 170.6 173.3 173.0 165.4 165.4 26 Other liabilities 78.4 72.8 69.6 67.1 67.3 68.6 74.6 82.2 80.6 81.1 85.1 86.7 27 TOTAL LIABILITIES 529.2 535.2 537.3 532.9 534.3 536.0 544.9 565.1 564.4 558.2 575.0 572.5 28 Residual (assets less liabilities) (7) 9.3 13.0 14.1 20.8 23.1 19.4 14.3 14.6 14.7 14.8 14.8 14.6 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- -- -- 40.0 38.4 39.1 41.3 42.5 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- -- -- 33.6 31.9 33.3 34.5 36.1 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. Data are as of December 4, 1996. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta ASSETS 1 Bank credit 1,810.7 91.2 342.9 100.9 160.2 178.1 204.4 2 Securities in bank credit (14) 410.6 3 U.S. government securities (14) 287.7 3a Trading account (14) 24.5 3b Investment account 263.1 15.8 79.3 5.4 25.1 28.1 26.2 3c Mortgage-backed 162.0 7.1 53.7 2.4 14.1 15.5 15.8 3d Other 101.2 8.8 25.7 3.0 10.9 12.6 10.4 3e 1 year or less 25.9 3.3 4.0 1.6 1.4 3.6 2.1 3f Between 1 and 5 years 57.6 4.7 15.5 1.1 4.7 7.7 7.2 3g More than 5 years 17.8 0.7 6.1 0.3 4.8 1.3 1.1 4 Other securities (14) 123.0 4a Trading account (14) 55.5 4b Investment account 67.5 5.1 19.6 2.2 5.9 4.4 10.8 4c State and local government 20.3 1.8 6.5 0.7 0.8 1.0 2.0 4d Other 47.2 3.3 13.1 1.5 5.1 3.4 8.8 5 Loans and leases in bank credit (2) 1,400.0 70.3 243.9 93.3 129.2 145.6 167.4 6 Commerical and industrial 380.3 26.5 64.6 14.9 38.8 34.5 37.1 6a Bankers accep and commercial paper 1.9 0.1 0.8 0.0 0.0 0.1 0.0 6b Other 378.4 26.4 63.7 14.9 38.8 34.5 37.1 7 Real estate 556.4 20.6 96.4 25.9 48.0 74.0 82.1 8 Revolving home equtiy 54.3 3.2 7.7 3.4 5.7 6.8 5.8 9a Other residential 325.1 9.0 59.3 17.0 29.9 46.6 49.3 9b Commercial 177.0 8.4 29.4 5.6 12.3 20.7 27.0 10 Consumer 281.1 6.9 35.1 46.0 27.8 19.8 36.4 11 Security (3) 38.4 8.0 15.8 0.1 1.0 3.7 0.8 11a Fed funds and RPs with broker/dealer 23.4 7.7 7.8 0.0 0.1 3.5 0.5 11b Other 14.9 0.3 8.0 0.1 0.9 0.2 0.4 12a State and local government 11.3 0.2 1.6 0.7 1.3 2.2 2.2 12b Agricultural 7.5 0.0 0.1 0.1 0.2 0.5 0.5 12c Fed funds and RPs with others 4.0 0.3 1.6 0.0 0.0 1.3 0.0 12d All other loans 61.1 3.3 15.9 1.5 3.5 4.7 3.7 12e Lease financing receivables 60.0 4.6 12.8 4.0 8.5 4.8 4.5 13 Interbank loans 139.8 4.5 50.1 5.4 8.8 11.0 15.1 13a Fed funds and RPs with banks 90.2 3.0 31.6 3.9 4.9 7.4 9.9 13b Other 49.6 1.5 18.6 1.5 3.9 3.6 5.2 14 Cash assets(4) 126.8 6.7 25.7 4.6 9.5 9.4 13.3 15 Other assets (12) 202.6 16.1 117.1 11.3 13.7 32.6 15.1 16 TOTAL ASSETS (6) 2,243.2 116.8 522.9 120.0 189.4 228.8 244.9 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. Data are as of December 4, 1996. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta 17 Deposits 1,377.0 67.5 275.5 68.0 122.7 125.1 175.6 18 Transaction 386.9 22.7 71.1 15.1 31.4 28.7 38.1 19 Nontransaction 990.1 44.9 204.4 52.9 91.4 96.4 137.5 20 Large time 153.2 6.9 40.5 10.9 10.6 13.3 19.4 21 Other 836.9 38.0 163.9 42.0 80.7 83.0 118.1 22 Borrowings 401.2 25.6 75.9 32.6 39.4 60.0 35.8 23 From banks in the US 185.3 8.2 21.7 19.3 15.0 29.5 21.2 24 From others 215.9 17.4 54.2 13.2 24.4 30.5 14.6 26 Other liabilities (13) 245.4 13.1 106.1 8.1 11.4 27.4 13.0 27 TOTAL LIABILITIES 2,023.6 106.1 457.5 108.6 173.5 212.5 224.4 28 Residual (assets less liabilities (13) 219.5 10.6 65.4 11.4 15.8 16.4 20.5 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 35.2 30 Reval. losses on off-bal. sheet items (8,14) 31.4 31 Mortgage-backed securities (9) 189.1 8.3 58.6 3.1 19.7 17.0 21.7 31a Pass-through 130.1 6.4 45.6 1.6 12.3 13.7 13.2 31b CMO, REMIC and other 59.0 1.9 13.0 1.5 7.4 3.3 8.5 32 Net unrealized ganis (losses) 2.8 on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) 31.8 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. Data are as of December 4, 1996. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansac City Dallas San Francisco ASSETS 1 Bank credit 184.5 41.1 40.7 26.1 69.5 291.2 2 Securities in bank credit (14) 3 U.S. government securities (14) 3a Trading account (14) 3b Investment account (14) 25.7 8.0 2.6 6.9 12.4 27.7 3c Mortgage-backed 11.8 4.9 1.9 4.7 10.6 19.5 3d Other 13.9 3.1 0.7 2.2 1.8 8.2 3e 1 year or less 6.5 0.9 0.1 0.4 0.2 1.8 3f Between 1 and 5 years 6.2 1.7 0.3 1.5 1.3 5.5 3g More than 5 years 1.3 0.5 0.2 0.3 0.2 0.8 4 Other securities (14) 4a Trading account (14) 4b Investment accout (14) 6.5 1.8 0.7 1.0 2.1 7.4 4c State and local government 3.6 0.8 0.2 0.6 0.7 1.7 4d Other 2.9 1.0 0.5 0.5 1.5 5.7 5 Loans and leases in bank credit (2) 152.3 31.4 37.4 18.1 55.0 256.1 6 Commerical and industrial 63.9 8.3 8.3 5.1 24.2 54.1 6a Bankers accep and commercial paper 0.2 0.0 0.0 0.0 0.0 0.6 6b Other 63.7 8.3 8.3 5.0 24.2 53.5 7 Real estate 47.5 15.3 8.6 6.7 14.8 116.5 8 Revolving home equtiy 4.6 1.2 0.4 0.4 0.3 14.9 9a Other residential 18.9 10.2 5.9 3.6 10.0 65.3 9b Commercial 24.0 3.8 2.3 2.6 4.5 36.3 10 Consumer 23.4 5.2 15.1 4.3 10.8 50.3 11 Security (3) 3.4 0.4 2.2 0.1 0.3 2.7 11a Fed funds and RPs with broker/dealer 0.9 0.1 1.8 0.0 0.1 1.0 11b Other 2.5 0.3 0.4 0.1 0.2 1.7 12a State and local government 1.2 0.2 0.1 0.1 0.1 1.3 12b Agricultural 0.4 0.1 0.2 0.5 0.2 4.7 12c Fed funds and RPs with others 0.5 0.0 0.0 0.0 0.0 0.3 12d All other loans 7.8 1.0 2.0 1.2 3.9 12.5 12e Lease financing receivables 4.1 0.9 0.9 0.3 0.7 13.9 13 Interbank loans 6.9 1.9 4.2 1.5 10.0 20.2 13a Fed funds and RPs with banks 6.2 1.8 4.0 1.2 8.7 7.5 13b Other 0.7 0.1 0.2 0.3 1.3 12.8 14 Cash assets(4) 14.3 3.1 2.6 2.2 10.6 24.9 15 Other assets (12) 20.7 3.2 3.1 1.3 6.6 41.6 16 TOTAL ASSETS 223.4 48.8 49.9 30.8 95.9 371.6 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. Data are as of December 4, 1996. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansas City Dallas San Francisco 17 Deposits 137.6 30.2 23.1 24.0 68.1 259.6 18 Transaction 41.5 7.1 7.3 6.5 20.6 96.8 19 Nontransaction 96.1 23.1 15.8 17.5 47.5 162.9 20 Large time 17.6 2.5 1.3 1.3 4.5 24.5 21 Other 78.5 20.5 14.5 16.2 43.0 138.4 22 Borrowings 40.0 12.7 18.3 3.5 13.6 43.7 23 From banks in the US 17.2 9.1 15.0 2.2 4.4 22.5 24 From others 22.8 3.6 3.3 1.4 9.3 21.2 26 Other liabilities (13) 24.4 2.2 4.4 1.0 6.4 28.0 27 TOTAL LIABILITIES 202.0 45.1 45.8 28.6 88.2 331.3 28 Residual (assets less liabilities (13) 21.5 3.7 4.1 2.2 7.8 40.3 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) 13.7 5.7 2.0 5.3 11.3 22.7 31a Pass-through 7.1 2.4 1.8 4.0 9.4 12.7 31b CMO, REMIC and other 6.6 3.2 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.