Data on the attached H.8 release have been benchmarked to the September 1996 Call report. Data on the previous release were benchmarked to the June 1996 Call report. Seasonal factors for bank assets and liabilities have been reestimated to incorporate data for 1996. Historical data are available on the Department of Commerce Economic Bulletin Board. For information, call 202-482-1986. 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 February 7, 1997 Account 1995 1996 1996 1996 1996 1996 1996 1996 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,612.4 3,671.4 3,682.5 3,674.6 3,693.3 3,719.7 3,744.1 3,771.1 3,793.8 3,784.6 3,818.0 3,816.9 2 Securities in bank credit 998.6 982.1 982.2 972.2 969.1 970.5 982.3 992.2 995.3 987.8 1,012.9 1,014.5 3 U.S. government securities 709.5 707.5 707.7 702.2 703.1 702.0 706.0 705.5 708.3 697.4 703.5 708.3 4 Other securities 289.1 274.6 274.5 270.0 266.0 268.5 276.3 286.7 287.0 290.4 309.5 306.2 5 Loans and leases in bank credit (2) 2,613.8 2,689.3 2,700.3 2,702.4 2,724.3 2,749.2 2,761.8 2,778.9 2,798.5 2,796.8 2,805.0 2,802.5 6 Commercial and industrial 717.3 738.9 744.8 746.9 761.0 770.4 776.1 786.9 789.0 790.2 791.7 791.8 7 Real estate 1,079.6 1,105.6 1,105.2 1,109.4 1,112.2 1,116.2 1,120.9 1,126.0 1,130.2 1,129.8 1,131.9 1,134.3 8 Revolving home equity 79.1 79.2 79.9 80.5 81.2 83.2 84.2 85.4 85.7 85.8 85.9 86.1 9 Other 1,000.5 1,026.4 1,025.3 1,028.9 1,030.9 1,033.0 1,036.7 1,040.6 1,044.5 1,044.0 1,046.0 1,048.2 10 Consumer 492.8 506.9 510.7 512.8 515.8 518.0 518.6 518.9 520.8 520.8 522.0 521.4 11 Security (3) 85.6 79.8 78.1 72.3 73.8 76.6 77.4 79.0 83.9 80.4 83.9 81.6 12 Other loans and leases 238.5 258.0 261.6 261.0 261.6 267.9 268.8 268.1 274.5 275.7 275.6 273.3 13 Interbank loans 196.8 206.8 196.9 197.6 205.3 203.9 212.4 204.6 191.1 195.6 204.6 198.6 14 Cash assets (4) 222.5 217.9 220.0 223.3 224.2 226.2 232.8 232.3 234.7 220.7 244.3 239.6 15 Other assets (5) 227.3 247.9 252.6 257.8 260.1 254.6 262.1 271.2 262.5 265.2 270.5 256.3 16 TOTAL ASSETS (6) 4,202.3 4,286.9 4,294.6 4,295.9 4,325.4 4,346.6 4,393.8 4,421.6 4,424.5 4,408.7 4,480.3 4,454.4 L I A B I L I T I E S 17 Deposits 2,667.0 2,722.9 2,733.3 2,751.0 2,772.2 2,782.2 2,822.7 2,859.0 2,875.0 2,876.0 2,886.2 2,873.2 18 Transaction 775.7 749.3 741.7 733.3 725.4 715.3 719.6 719.1 706.8 709.9 734.2 722.2 19 Nontransaction 1,891.4 1,973.6 1,991.6 2,017.6 2,046.8 2,066.9 2,103.0 2,139.9 2,168.2 2,166.1 2,152.0 2,151.0 20 Large time 420.3 445.9 453.1 458.8 471.7 480.1 490.5 509.5 519.1 517.1 515.0 516.7 21 Other 1,471.1 1,527.7 1,538.5 1,558.8 1,575.1 1,586.9 1,612.5 1,630.5 1,649.1 1,649.0 1,637.0 1,634.2 22 Borrowings 694.8 705.6 699.0 701.5 706.1 686.9 707.2 704.4 709.2 695.3 729.2 735.4 23 From banks in the U.S. 298.6 294.7 287.0 290.1 295.5 290.5 303.3 308.7 301.3 302.3 307.8 310.0 24 From others 396.2 410.9 412.0 411.4 410.6 396.4 403.9 395.7 407.9 393.0 421.4 425.4 25 Net due to related foreign offices 263.8 258.6 257.3 247.7 251.0 243.9 237.0 229.3 220.0 219.2 220.1 222.3 26 Other liabilities 226.5 225.9 223.0 222.2 221.9 244.1 253.4 262.1 269.4 267.3 283.2 277.5 27 TOTAL LIABILITIES 3,852.1 3,912.9 3,912.5 3,922.4 3,951.3 3,957.1 4,020.3 4,054.9 4,073.6 4,057.8 4,118.8 4,108.4 28 Residual (assets less liabilities) (7) 350.1 374.0 382.1 373.4 374.2 389.5 373.4 366.8 350.9 350.9 361.5 346.0 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,612.9 3,675.7 3,679.7 3,675.8 3,695.7 3,721.4 3,748.4 3,769.8 3,795.7 3,788.6 3,810.1 3,811.5 2 Securities in bank credit 987.3 988.8 980.8 976.5 969.7 970.4 981.0 978.2 985.4 980.3 1,003.0 1,007.0 3 U.S. government securities 706.0 708.6 705.3 704.5 704.1 702.5 706.4 701.3 700.2 692.4 698.3 702.5 4 Other securities 281.4 280.2 275.4 272.0 265.6 267.9 274.6 276.8 285.2 287.9 304.7 304.6 5 Loans and leases in bank credit (2) 2,625.6 2,686.9 2,698.9 2,699.2 2,726.0 2,751.0 2,767.4 2,791.7 2,810.3 2,808.3 2,807.1 2,804.5 6 Commercial and industrial 714.6 742.1 745.8 743.1 755.9 766.8 774.2 783.9 786.2 787.4 788.7 790.3 7 Real estate 1,084.0 1,104.2 1,105.3 1,110.9 1,115.2 1,119.3 1,125.2 1,130.8 1,133.8 1,133.6 1,132.9 1,134.1 8 Revolving home equity 79.2 79.2 80.0 80.8 81.8 83.8 84.7 85.5 85.8 85.9 85.9 86.0 9 Other 1,004.8 1,025.0 1,025.3 1,030.1 1,033.4 1,035.6 1,040.5 1,045.4 1,048.0 1,047.8 1,047.0 1,048.1 10 Consumer 497.2 504.0 508.7 513.1 517.9 518.2 519.0 523.6 528.1 527.1 526.9 525.8 11 Security (3) 86.9 79.5 76.6 70.8 73.0 76.5 78.8 80.3 82.5 80.5 82.2 81.2 12 Other loans and leases 242.9 257.0 262.5 261.3 263.9 270.2 270.2 273.1 279.7 279.7 276.4 273.1 13 Interbank loans 206.1 204.5 194.5 192.9 199.6 198.7 216.7 213.9 204.2 210.7 210.3 202.9 14 Cash assets (4) 238.2 215.1 216.8 212.3 221.5 227.1 239.8 248.6 238.2 244.4 257.7 238.9 15 Other assets (5) 227.7 248.1 254.2 260.8 262.6 252.0 260.9 271.1 262.1 266.0 267.6 259.2 16 TOTAL ASSETS (6) 4,228.2 4,286.2 4,288.0 4,284.3 4,321.6 4,341.6 4,408.1 4,445.7 4,442.8 4,452.6 4,488.8 4,455.7 L I A B I L I T I E S 17 Deposits 2,702.1 2,717.9 2,724.7 2,740.4 2,772.8 2,787.0 2,839.8 2,891.2 2,896.7 2,905.2 2,872.5 2,845.0 18 Transaction 811.0 743.5 734.8 720.4 723.9 713.0 729.8 752.1 730.4 742.1 730.9 709.3 19 Nontransaction 1,891.1 1,974.4 1,990.0 2,020.0 2,048.9 2,074.0 2,109.9 2,139.0 2,166.4 2,163.0 2,141.7 2,135.7 20 Large time 420.4 444.0 450.5 459.1 469.8 485.5 495.0 509.7 515.1 514.0 512.2 513.6 21 Other 1,470.7 1,530.4 1,539.4 1,560.9 1,579.2 1,588.5 1,614.9 1,629.4 1,651.3 1,649.1 1,629.5 1,622.0 22 Borrowings 693.0 721.5 712.6 707.1 710.4 679.2 697.0 696.8 694.8 692.4 732.7 727.8 23 From banks in the U.S. 298.4 304.2 296.0 295.4 298.0 283.9 297.1 303.4 293.9 297.6 305.7 302.1 24 From others 394.6 417.3 416.6 411.8 412.4 395.3 399.9 393.3 400.9 394.8 427.0 425.7 25 Net due to related foreign offices 264.4 249.5 251.9 243.4 245.2 245.4 234.2 228.2 223.5 227.4 237.3 237.3 26 Other liabilities 223.1 227.4 221.8 221.6 222.4 243.2 257.2 258.0 264.3 263.0 278.6 279.2 27 TOTAL LIABILITIES 3,882.6 3,916.2 3,911.0 3,912.6 3,950.8 3,954.9 4,028.1 4,074.1 4,079.3 4,087.9 4,121.1 4,089.3 28 Residual (assets less liabilities) (7) 345.6 369.9 377.0 371.7 370.8 386.7 380.0 371.6 363.5 364.7 367.7 366.4 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- 62.3 65.5 68.9 76.2 78.5 93.4 92.3 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- 58.3 60.5 63.8 72.1 74.8 90.8 88.2 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,175.9 3,211.1 3,215.9 3,210.0 3,225.7 3,237.7 3,246.7 3,261.1 3,279.1 3,270.5 3,295.5 3,292.1 2 Securities in bank credit 856.8 835.3 833.9 824.6 822.4 820.9 822.3 825.2 829.3 822.9 841.5 841.7 3 U.S. government securities 642.2 629.3 627.6 621.3 620.1 618.9 617.9 616.4 622.5 615.8 622.1 625.6 4 Other securities 214.5 206.1 206.2 203.3 202.3 202.0 204.4 208.8 206.7 207.2 219.4 216.1 5 Loans and leases in bank credit (2) 2,319.1 2,375.8 2,382.0 2,385.5 2,403.2 2,416.7 2,424.4 2,435.9 2,449.8 2,447.5 2,454.0 2,450.5 6 Commercial and industrial 535.8 548.4 550.6 552.6 560.3 563.4 565.1 569.5 569.2 570.7 571.5 571.2 7 Real estate 1,043.8 1,072.4 1,072.2 1,076.4 1,079.4 1,083.4 1,088.2 1,093.5 1,097.7 1,097.3 1,099.6 1,101.5 8 Revolving home equity 79.1 79.2 79.9 80.5 81.2 83.2 84.2 85.4 85.7 85.8 85.9 86.1 9 Other 964.7 993.1 992.2 995.9 998.1 1,000.1 1,003.9 1,008.1 1,012.0 1,011.5 1,013.7 1,015.4 10 Consumer 492.8 506.9 510.7 512.8 515.8 518.0 518.6 518.9 520.8 520.8 522.0 521.4 11 Security (3) 55.7 47.3 46.0 42.5 44.7 44.0 42.9 43.6 47.5 44.9 46.0 43.4 12 Other loans and leases 190.9 200.7 202.5 201.3 203.1 208.1 209.6 210.5 214.6 213.9 215.0 212.9 13 Interbank loans 175.3 184.4 177.7 181.2 185.0 183.0 191.5 181.8 170.1 171.0 181.5 172.3 14 Cash assets (4) 193.2 191.9 191.9 194.8 194.7 196.4 201.7 200.9 203.2 188.5 212.8 207.1 15 Other assets (5) 178.7 206.1 209.8 214.1 219.0 220.7 225.6 233.8 225.2 225.2 230.2 216.6 16 TOTAL ASSETS (6) 3,666.4 3,736.5 3,738.0 3,742.8 3,767.0 3,780.2 3,808.1 3,820.1 3,820.2 3,798.1 3,863.1 3,831.4 L I A B I L I T I E S 17 Deposits 2,501.3 2,549.4 2,553.7 2,570.7 2,586.3 2,584.4 2,617.6 2,637.6 2,644.3 2,645.4 2,660.3 2,639.1 18 Transaction 765.8 738.8 731.0 722.9 715.7 704.7 709.1 708.3 696.1 698.8 723.1 711.4 19 Nontransaction 1,735.5 1,810.7 1,822.7 1,847.9 1,870.6 1,879.6 1,908.5 1,929.3 1,948.3 1,946.5 1,937.2 1,927.7 20 Large time 268.3 283.6 287.8 292.2 298.9 295.4 299.6 303.0 303.1 301.7 302.0 303.0 21 Other 1,467.2 1,527.0 1,535.0 1,555.7 1,571.7 1,584.3 1,608.9 1,626.3 1,645.1 1,644.8 1,635.2 1,624.7 22 Borrowings 584.6 575.6 576.0 572.9 583.3 568.2 579.1 579.2 586.3 569.6 594.5 597.1 23 From banks in the U.S. 267.9 261.7 256.2 255.6 261.5 257.1 267.9 272.6 271.7 275.6 274.1 277.9 24 From others 316.7 314.0 319.8 317.3 321.8 311.1 311.2 306.6 314.6 294.0 320.4 319.2 25 Net due to related foreign offices 91.4 81.3 79.1 74.5 74.7 76.6 70.9 68.9 68.2 66.4 76.2 76.9 26 Other liabilities 145.5 156.7 151.1 152.8 153.1 169.3 173.2 179.1 185.0 180.6 191.9 185.2 27 TOTAL LIABILITIES 3,322.8 3,363.0 3,359.9 3,370.9 3,397.5 3,398.5 3,440.8 3,464.9 3,483.7 3,461.9 3,522.8 3,498.2 28 Residual (assets less liabilities) (7) 343.6 373.5 378.0 371.9 369.5 381.7 367.3 355.3 336.4 336.1 340.3 333.2 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,178.1 3,214.9 3,211.7 3,207.8 3,229.4 3,240.7 3,251.5 3,264.1 3,285.0 3,277.0 3,292.4 3,287.7 2 Securities in bank credit 849.1 841.4 832.3 825.8 824.2 820.9 821.3 817.6 825.3 819.0 836.6 835.8 3 U.S. government securities 639.7 630.6 626.3 622.1 622.3 620.0 618.4 614.6 615.8 609.2 615.1 617.6 4 Other securities 209.4 210.8 206.0 203.6 202.0 201.0 202.9 203.0 209.5 209.8 221.5 218.1 5 Loans and leases in bank credit (2) 2,328.9 2,373.5 2,379.3 2,382.0 2,405.2 2,419.7 2,430.1 2,446.5 2,459.7 2,458.0 2,455.8 2,451.9 6 Commercial and industrial 532.8 551.0 550.7 548.6 556.4 561.0 563.4 566.1 566.4 568.0 569.0 569.7 7 Real estate 1,048.1 1,071.1 1,072.4 1,077.8 1,082.3 1,086.3 1,092.0 1,098.2 1,101.2 1,101.1 1,100.6 1,101.5 8 Revolving home equity 79.2 79.2 80.0 80.8 81.8 83.8 84.7 85.5 85.8 85.9 85.9 86.0 9 Other 968.9 991.8 992.4 997.0 1,000.5 1,002.5 1,007.3 1,012.7 1,015.4 1,015.2 1,014.7 1,015.5 10 Consumer 497.2 504.0 508.7 513.1 517.9 518.2 519.0 523.6 528.1 527.1 526.9 525.8 11 Security (3) 57.0 47.0 44.6 41.0 43.9 43.8 44.3 44.9 46.1 45.0 44.3 43.0 12 Other loans and leases 193.9 200.4 203.0 201.5 204.6 210.5 211.4 213.7 217.8 216.8 214.9 211.9 13 Interbank loans 184.6 182.1 175.3 176.6 179.3 177.7 195.8 191.1 183.2 186.2 187.2 176.6 14 Cash assets (4) 208.1 188.6 188.6 183.8 192.7 196.9 208.5 216.1 206.3 211.5 225.9 206.3 15 Other assets (5) 178.2 206.4 212.1 216.3 221.1 218.4 224.1 232.9 225.1 227.4 228.7 219.9 16 TOTAL ASSETS (6) 3,692.2 3,734.8 3,730.6 3,726.9 3,764.7 3,776.4 3,822.4 3,846.5 3,842.4 3,845.1 3,877.6 3,833.8 L I A B I L I T I E S 17 Deposits 2,534.0 2,544.0 2,547.2 2,561.6 2,587.2 2,583.8 2,632.1 2,667.1 2,666.4 2,674.4 2,645.4 2,610.8 18 Transaction 800.5 733.1 724.1 710.2 713.7 702.4 719.3 740.7 719.6 731.1 719.8 698.5 19 Nontransaction 1,733.5 1,811.0 1,823.1 1,851.5 1,873.5 1,881.4 1,912.8 1,926.4 1,946.8 1,943.3 1,925.6 1,912.3 20 Large time 265.5 283.0 286.6 292.9 296.6 295.2 300.3 299.7 300.2 300.2 301.1 302.7 21 Other 1,467.9 1,527.9 1,536.5 1,558.6 1,576.9 1,586.3 1,612.5 1,626.7 1,646.6 1,643.2 1,624.5 1,609.6 22 Borrowings 583.6 587.1 582.0 573.6 586.5 563.9 572.2 572.5 573.0 568.3 601.2 595.4 23 From banks in the U.S. 266.7 269.7 263.8 260.3 264.6 253.0 261.5 266.5 261.8 268.4 272.9 268.8 24 From others 316.9 317.4 318.2 313.3 321.8 310.9 310.7 306.0 311.2 299.9 328.3 326.6 25 Net due to related foreign offices 89.3 79.3 76.9 72.2 70.9 78.2 68.4 66.2 65.1 67.1 82.0 82.0 26 Other liabilities 143.5 157.5 151.6 151.8 153.8 170.0 176.4 176.4 181.7 178.3 188.7 185.6 27 TOTAL LIABILITIES 3,350.4 3,367.9 3,357.7 3,359.2 3,398.3 3,395.9 3,449.1 3,482.2 3,486.3 3,488.1 3,517.3 3,473.8 28 Residual (assets less liabilities) (7) 341.8 366.9 372.9 367.7 366.3 380.5 373.3 364.4 356.1 357.1 360.2 360.0 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- 32.4 33.1 36.2 41.9 42.9 53.4 50.7 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- 28.9 28.9 31.8 38.3 39.7 50.6 46.6 31 Mortgage-backed securities (9) -- -- -- -- -- 236.1 238.1 241.7 243.8 243.3 247.0 248.2 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,821.9 1,804.8 1,801.8 1,788.2 1,797.3 1,807.4 1,810.6 1,818.9 1,827.6 1,820.0 1,843.3 1,836.6 2 Securities in bank credit 450.3 419.6 416.3 406.8 405.3 406.0 408.8 411.5 411.0 406.2 424.9 423.0 3 U.S. government securities 313.6 293.4 289.8 283.6 283.1 284.3 284.8 283.3 286.5 281.0 287.4 288.7 3a Trading account 23.9 20.9 20.8 20.2 20.9 21.2 21.5 19.6 19.8 15.5 16.8 17.0 3b Investment account 289.7 272.6 269.0 263.4 262.2 263.1 263.3 263.6 266.7 265.6 270.7 271.8 4 Other securities 136.7 126.1 126.5 123.2 122.2 121.7 124.0 128.2 124.5 125.1 137.4 134.3 4a Trading account 65.5 55.8 58.1 56.9 56.4 55.1 57.8 60.9 57.7 59.0 71.2 68.0 4b Investment account 71.2 70.3 68.5 66.2 65.8 66.6 66.1 67.3 66.7 66.1 66.2 66.3 4c State and local government 21.8 20.7 20.6 20.5 20.3 20.2 20.2 20.3 20.4 20.3 20.3 20.6 4d Other 49.4 49.6 47.9 45.8 45.4 46.3 45.9 47.0 46.3 45.8 45.9 45.7 5 Loans and leases in bank credit (2) 1,371.5 1,385.3 1,385.5 1,381.4 1,392.0 1,401.5 1,401.8 1,407.4 1,416.6 1,413.8 1,418.4 1,413.6 6 Commercial and industrial 366.0 370.2 371.7 372.7 378.8 381.3 381.7 384.3 383.8 385.2 385.6 384.5 7 Real estate 556.7 560.3 556.7 556.6 556.2 558.5 559.2 561.0 560.9 559.7 560.7 561.1 8 Revolving home equity 52.8 52.6 53.1 53.2 53.5 53.7 54.2 54.9 54.9 55.0 55.0 55.1 9 Other 503.8 507.7 503.7 503.4 502.7 504.8 505.0 506.1 505.9 504.7 505.7 506.1 10 Consumer 270.3 275.7 277.6 277.9 279.4 279.2 278.9 279.2 281.4 282.1 283.3 283.8 11 Security (3) 50.0 42.0 41.0 37.3 39.5 39.0 37.8 38.5 42.4 39.8 40.9 38.4 12a State and local government 11.5 11.1 11.2 11.1 10.8 10.9 11.1 11.3 11.1 11.1 11.1 11.1 12b All other 117.0 126.0 127.3 125.7 127.3 132.6 133.1 133.1 136.9 135.9 136.8 134.7 13 Interbank loans 117.1 132.8 130.1 131.9 133.8 132.0 137.9 126.8 116.6 115.4 126.6 118.6 14 Cash assets (4) 130.0 125.9 127.6 129.4 128.2 128.2 132.3 130.5 135.6 120.1 138.6 130.5 15 Other assets (5) 128.7 155.4 154.3 158.0 161.6 163.5 167.7 175.3 168.3 167.2 170.7 165.1 16 TOTAL ASSETS (6) 2,161.0 2,182.5 2,177.0 2,170.9 2,184.3 2,194.4 2,212.0 2,215.0 2,211.7 2,186.6 2,243.5 2,215.3 L I A B I L I T I E S 17 Deposits 1,303.8 1,331.9 1,335.0 1,339.1 1,345.6 1,355.1 1,366.4 1,373.6 1,368.9 1,363.7 1,375.3 1,354.2 18 Transaction 429.8 411.9 408.0 400.3 392.7 387.0 387.3 385.7 378.6 377.5 395.9 379.2 19 Nontransaction 874.0 920.0 926.9 938.8 952.9 968.1 979.1 987.9 990.3 986.2 979.3 975.0 20 Large time 124.1 134.2 136.9 139.8 146.5 151.8 153.4 155.1 154.1 152.1 152.2 153.7 21 Other 749.8 785.8 790.0 799.0 806.4 816.3 825.7 832.8 836.2 834.1 827.1 821.3 22 Borrowings 447.4 425.6 420.6 411.9 420.5 404.3 414.4 414.5 420.5 407.1 425.7 425.5 23 From banks in the U.S. 193.2 180.3 177.0 172.9 177.7 170.7 181.5 188.5 186.9 190.7 186.9 188.3 24 From others 254.2 245.3 243.6 239.0 242.7 233.6 232.9 226.0 233.6 216.4 238.7 237.2 25 Net due to related foreign offices 85.1 76.1 73.4 70.1 68.9 73.2 68.7 66.2 64.4 62.6 72.2 72.9 26 Other liabilities 118.1 129.0 123.4 125.7 126.3 141.2 146.2 153.1 160.5 156.2 167.6 161.2 27 TOTAL LIABILITIES 1,954.4 1,962.6 1,952.3 1,946.8 1,961.3 1,973.8 1,995.7 2,007.5 2,014.3 1,989.7 2,040.8 2,013.8 28 Residual (assets less liabilities) (7) 206.7 219.9 224.7 224.0 223.1 220.6 216.3 207.5 197.4 196.9 202.7 201.5 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,821.5 1,807.8 1,797.1 1,786.4 1,797.1 1,807.9 1,813.7 1,819.1 1,833.1 1,827.0 1,842.9 1,836.9 2 Securities in bank credit 443.2 423.8 415.6 409.9 406.7 407.1 409.4 404.3 408.7 403.2 420.7 419.3 3 U.S. government securities 311.7 292.8 289.3 286.2 284.7 286.4 287.0 282.0 281.1 275.3 281.0 282.8 3a Trading account 21.9 19.6 19.9 20.9 21.0 22.0 22.7 18.3 17.7 15.1 16.6 16.2 3b Investment account 289.8 273.2 269.3 265.3 263.8 264.4 264.3 263.7 263.4 260.2 264.4 266.6 4 Other securities 131.5 131.0 126.3 123.7 122.0 120.6 122.4 122.3 127.6 127.9 139.7 136.5 4a Trading account 59.8 61.1 58.7 57.8 56.2 53.5 55.4 54.4 60.3 61.1 73.1 69.9 4b Investment account 71.8 69.8 67.6 65.9 65.8 67.1 67.1 67.9 67.3 66.8 66.7 66.7 4c State and local government 21.9 20.7 20.2 20.3 20.3 20.2 20.3 20.4 20.4 20.4 20.4 20.6 4d Other 49.9 49.1 47.4 45.6 45.5 46.8 46.7 47.5 46.9 46.4 46.3 46.1 5 Loans and leases in bank credit (2) 1,378.2 1,384.0 1,381.6 1,376.5 1,390.3 1,400.9 1,404.3 1,414.8 1,424.5 1,423.8 1,422.2 1,417.6 6 Commercial and industrial 363.5 371.4 371.7 369.9 376.0 379.5 380.7 381.4 380.7 382.5 383.2 383.2 7 Real estate 559.2 559.2 556.5 556.9 556.9 559.2 560.8 563.8 564.2 563.6 562.4 562.1 8 Revolving home equity 52.9 52.6 53.1 53.4 53.7 54.0 54.5 54.9 55.0 55.1 55.1 55.1 9 Other 506.3 506.6 503.5 503.6 503.2 505.2 506.3 508.8 509.1 508.5 507.3 507.0 10 Consumer 273.8 274.7 275.7 278.3 280.6 278.7 278.6 283.1 287.7 287.5 287.5 287.0 11 Security (3) 51.0 41.8 39.7 35.9 38.9 38.9 39.0 39.5 40.6 39.6 39.2 38.1 12a State and local government 11.5 11.1 11.2 11.2 10.9 10.9 11.2 11.2 10.9 11.0 11.0 11.0 12b All other 119.3 125.7 126.7 124.3 127.1 133.6 134.1 135.8 140.3 139.6 138.9 136.3 13 Interbank loans 122.8 133.6 130.3 128.2 129.8 126.4 137.4 133.0 123.7 127.9 133.8 125.9 14 Cash assets (4) 140.9 123.9 124.6 120.8 127.5 127.6 136.3 141.8 135.3 138.7 150.1 131.0 15 Other assets (5) 127.7 157.3 156.7 160.0 163.2 161.5 165.6 173.8 167.0 168.5 169.8 167.5 16 TOTAL ASSETS (6) 2,176.2 2,186.1 2,172.2 2,158.6 2,180.7 2,186.9 2,216.5 2,231.2 2,223.1 2,226.3 2,260.9 2,225.8 L I A B I L I T I E S 17 Deposits 1,322.2 1,328.6 1,331.8 1,332.9 1,344.5 1,352.2 1,373.3 1,389.7 1,380.0 1,388.9 1,371.0 1,343.5 18 Tranlgdtion 452.3 408.0 403.4 391.1 391.5 384.1 393.8 406.9 388.8 401.0 394.7 373.8 19 Nontranlgdtion 869.9 920.6 928.4 941.8 953.0 968.1 979.5 982.8 991.2 987.9 976.3 969.8 20 Large time 122.3 134.1 136.5 140.7 144.5 151.2 153.7 152.7 152.8 152.3 152.6 154.2 21 Other 747.7 786.5 791.9 801.1 808.5 816.9 825.8 830.0 838.4 835.7 823.7 815.6 22 Borrowings 445.6 434.7 427.0 414.5 424.0 399.9 409.0 408.3 407.8 402.6 428.3 422.7 23 From banks in the U.S. 191.3 186.8 183.2 177.8 180.1 167.1 176.9 182.9 178.0 183.8 183.9 180.3 24 From others 254.3 248.0 243.9 236.7 243.9 232.8 232.2 225.4 229.8 218.8 244.4 242.4 25 Net due to related foreign offices 83.0 74.1 71.2 67.8 65.0 74.8 66.2 63.4 61.4 63.3 78.0 78.0 26 Other liabilities 116.6 130.3 123.6 124.6 127.2 141.9 149.5 150.8 157.1 153.9 164.1 161.2 27 TOTAL LIABILITIES 1,967.4 1,967.8 1,953.7 1,939.8 1,960.7 1,968.8 1,998.0 2,012.3 2,006.2 2,008.7 2,041.4 2,005.4 28 Residual (assets less liabilities) (7) 208.8 218.3 218.6 218.8 220.0 218.1 218.5 218.9 216.9 217.6 219.5 220.4 MEMO 29 Reval. gains on off-bal. sheet itens(8) -- -- -- -- -- 32.4 33.1 36.2 41.9 42.9 53.4 50.7 30 Reval. losses on off-bal. sheet itens (8) -- -- -- -- -- 28.9 28.9 31.8 38.3 39.7 50.6 46.6 31 Mortgage-backed securities (9) -- -- -- -- -- 186.7 188.1 190.7 191.4 190.7 194.1 195.6 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,354.0 1,406.3 1,414.1 1,421.9 1,428.3 1,430.2 1,436.1 1,442.2 1,451.5 1,450.4 1,452.2 1,455.5 2 Securities in bank credit 406.4 415.8 417.5 417.8 417.1 415.0 413.5 413.7 418.3 416.7 416.7 418.6 3 U.S. government securities 328.6 335.8 337.8 337.6 337.0 334.6 333.1 333.1 336.0 334.7 334.7 336.9 4 Other securities 77.8 79.9 79.7 80.1 80.1 80.4 80.4 80.6 82.3 82.0 82.0 81.7 5 Loans and leases in bank credit (2) 947.5 990.5 996.5 1,004.1 1,011.2 1,015.3 1,022.6 1,028.5 1,033.2 1,033.7 1,035.5 1,036.9 6 Commercial and industrial 169.8 178.3 178.9 179.9 181.4 182.0 183.5 185.2 185.3 185.5 185.8 186.7 7 Real estate 487.1 512.1 515.4 519.8 523.2 524.9 528.9 532.5 536.8 537.6 538.8 540.4 8 Revolving home equity 26.3 26.7 26.9 27.3 27.8 29.6 30.0 30.5 30.8 30.8 30.9 31.0 9 Other 460.9 485.4 488.5 492.5 495.4 495.3 498.9 502.0 506.0 506.8 507.9 509.4 10 Consumer 222.5 231.2 233.2 234.8 236.3 238.8 239.7 239.6 239.5 238.6 238.7 237.7 11 Security (3) 5.8 5.3 5.1 5.1 5.2 5.0 5.1 5.2 5.0 5.1 5.1 5.0 12 Other loans and leases 62.3 63.6 64.0 64.5 65.0 64.6 65.4 66.1 66.5 66.9 67.1 67.1 13 Interbank loans 58.2 51.6 47.7 49.4 51.2 51.0 53.6 55.0 53.5 55.6 54.9 53.6 14 Cash assets (4) 63.1 66.1 64.4 65.4 66.6 68.2 69.4 70.4 67.6 68.4 74.3 76.7 15 Other assets (5) 50.0 50.7 55.5 56.2 57.4 57.2 57.9 58.5 56.9 58.1 59.4 51.4 16 TOTAL ASSETS (6) 1,505.4 1,554.0 1,560.9 1,571.9 1,582.7 1,585.8 1,596.1 1,605.1 1,608.5 1,611.5 1,619.6 1,616.1 L I A B I L I T I E S 17 Deposits 1,197.5 1,217.5 1,218.8 1,231.6 1,240.6 1,229.3 1,251.1 1,264.0 1,275.5 1,281.6 1,285.0 1,284.8 18 Transaction 336.0 326.9 323.0 322.5 322.9 317.7 321.8 322.6 317.5 321.3 327.1 332.2 19 Nontransaction 861.5 890.6 895.8 909.1 917.7 911.5 929.4 941.4 958.0 960.3 957.9 952.7 20 Large time 144.2 149.4 150.9 152.4 152.3 143.6 146.2 147.9 149.0 149.6 149.8 149.2 21 Other 717.4 741.2 744.9 756.7 765.4 768.0 783.1 793.5 809.0 810.7 808.1 803.4 22 Borrowings 137.2 150.0 155.4 161.0 162.8 163.9 164.7 164.7 165.8 162.4 168.8 171.5 23 From banks in the U.S. 74.7 81.4 79.2 82.7 83.8 86.4 86.4 84.1 84.8 84.9 87.1 89.6 24 From others 62.5 68.6 76.2 78.3 79.1 77.5 78.3 80.6 81.0 77.6 81.6 82.0 25 Net due to related foreign offices 6.3 5.2 5.7 4.4 5.9 3.4 2.2 2.7 3.8 3.8 4.0 4.0 26 Other liabilities 27.4 27.7 27.8 27.1 26.9 28.1 27.1 26.0 24.5 24.4 24.3 24.0 27 TOTAL LIABILITIES 1,368.4 1,400.4 1,407.6 1,424.1 1,436.2 1,424.7 1,445.1 1,457.4 1,469.5 1,472.2 1,482.1 1,484.4 28 Residual (assets less liabilities) (7) 136.9 153.5 153.3 147.9 146.4 161.2 151.1 147.7 139.0 139.2 137.6 131.7 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,356.6 1,407.1 1,414.5 1,421.4 1,432.4 1,432.8 1,437.7 1,444.9 1,451.8 1,450.0 1,449.5 1,450.7 2 Securities in bank credit 405.9 417.6 416.8 415.9 417.5 413.9 411.9 413.3 416.6 415.8 415.9 416.5 3 U.S. government securities 328.0 337.8 337.0 336.0 337.5 333.5 331.4 332.6 334.7 333.9 334.1 334.9 4 Other securities 77.9 79.8 79.7 79.9 80.0 80.4 80.5 80.7 82.0 81.9 81.8 81.6 5 Loans and leases in bank credit (2) 950.7 989.5 997.8 1,005.6 1,014.8 1,018.9 1,025.8 1,031.7 1,035.2 1,034.2 1,033.6 1,034.3 6 Commercial and industrial 169.3 179.6 179.0 178.7 180.4 181.4 182.8 184.7 185.7 185.6 185.8 186.5 7 Real estate 488.9 511.9 515.8 520.9 525.4 527.1 531.1 534.4 537.1 537.5 538.3 539.4 8 Revolving home equity 26.3 26.7 26.9 27.4 28.1 29.8 30.1 30.5 30.8 30.8 30.8 30.9 9 Other 462.6 485.2 488.9 493.5 497.3 497.4 501.0 503.8 506.3 506.7 507.4 508.5 10 Consumer 223.4 229.3 233.0 234.9 237.3 239.5 240.4 240.5 240.4 239.6 239.4 238.8 11 Security (3) 6.0 5.2 4.9 5.1 5.1 4.9 5.3 5.4 5.5 5.4 5.1 4.9 12 Other loans and leases 63.1 63.6 65.1 66.0 66.6 66.0 66.1 66.7 66.6 66.2 65.0 64.6 13 Interbank loans 61.7 48.5 45.0 48.4 49.5 51.3 58.4 58.0 59.5 58.2 53.4 50.7 14 Cash assets (4) 67.2 64.7 64.0 63.1 65.1 69.3 72.1 74.3 71.0 72.8 75.8 75.2 15 Other assets (5) 50.5 49.1 55.4 56.3 57.9 56.9 58.4 59.0 58.1 58.9 59.0 52.5 16 TOTAL ASSETS (6) 1,516.0 1,548.7 1,558.3 1,568.4 1,584.0 1,589.5 1,605.8 1,615.3 1,619.3 1,618.9 1,616.6 1,608.0 L I A B I L I T I E S 17 Deposits 1,211.7 1,215.4 1,215.4 1,228.8 1,242.8 1,231.6 1,258.8 1,277.4 1,286.4 1,285.5 1,274.4 1,267.3 18 Transaction 348.2 325.1 320.7 319.1 322.2 318.2 325.4 333.8 330.8 330.1 325.1 324.7 19 Nontransaction 863.5 890.3 894.7 909.6 920.5 913.3 933.3 943.6 955.6 955.4 949.3 942.5 20 Large time 143.3 148.9 150.1 152.2 152.1 144.0 146.6 147.0 147.4 147.9 148.5 148.5 21 Other 720.3 741.4 744.6 757.5 768.4 769.4 786.8 796.6 808.3 807.5 800.8 794.0 22 Borrowings 138.0 152.3 155.0 159.1 162.5 164.0 163.2 164.2 165.3 165.7 172.9 172.7 23 From banks in the U.S. 75.4 82.9 80.6 82.5 84.6 85.9 84.7 83.6 83.8 84.6 89.0 88.5 24 From others 62.6 69.4 74.4 76.6 77.9 78.1 78.5 80.6 81.5 81.1 83.9 84.2 25 Net due to related foreign offices 6.3 5.2 5.7 4.4 5.9 3.4 2.2 2.7 3.8 3.8 4.0 4.0 26 Other liabilities 26.9 27.2 28.0 27.2 26.6 28.1 27.0 25.6 24.6 24.5 24.6 24.4 27 TOTAL LIABILITIES 1,383.0 1,400.1 1,404.0 1,419.5 1,437.7 1,427.1 1,451.1 1,469.9 1,480.1 1,479.4 1,475.9 1,468.4 MEMO 28 Residual (assets less liabilities) (7) 133.0 148.6 154.3 148.9 146.3 162.4 154.8 145.4 139.2 139.4 140.7 139.6 31 Mortgage-backed securities (9) -- -- -- -- -- 49.3 49.9 51.0 52.3 52.5 52.9 52.6 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 436.5 460.3 466.6 464.5 467.7 482.0 497.3 510.0 514.8 514.1 522.5 524.8 2 Securities in bank credit 141.8 146.8 148.3 147.6 146.6 149.6 159.9 167.1 166.0 164.9 171.4 172.8 3 U.S. government securities 67.2 78.3 80.0 80.9 82.9 83.1 88.0 89.2 85.7 81.6 81.3 82.6 4 Other securities 74.6 68.5 68.3 66.7 63.7 66.5 71.9 77.9 80.3 83.3 90.1 90.2 5 Loans and leases in bank credit (2) 294.7 313.5 318.3 316.9 321.0 332.4 337.4 342.9 348.7 349.3 351.1 352.0 6 Commercial and industrial 181.5 190.4 194.2 194.3 200.7 207.1 211.0 217.4 219.8 219.5 220.2 220.7 7 Real estate 35.8 33.3 33.1 33.1 32.8 32.9 32.8 32.5 32.6 32.5 32.3 32.7 11 Security (3) 29.8 32.5 32.0 29.8 29.1 32.7 34.5 35.4 36.4 35.5 37.9 38.2 12 Other loans and leases 47.6 57.3 59.1 59.7 58.4 59.8 59.2 57.6 59.9 61.8 60.6 60.4 13 Interbank loans 21.5 22.4 19.2 16.4 20.3 20.9 20.9 22.8 21.0 24.6 23.1 26.3 14 Cash assets (4) 29.3 26.0 28.1 28.5 29.5 29.8 31.1 31.4 31.5 32.2 31.5 32.4 15 Other assets (5) 48.6 41.8 42.8 43.7 41.1 33.9 36.5 37.4 37.3 39.9 40.3 39.7 16 TOTAL ASSETS (6) 535.9 550.4 556.6 553.1 558.4 566.4 585.7 601.5 604.3 610.6 617.1 623.1 L I A B I L I T I E S 17 Deposits 165.7 173.4 179.5 180.3 186.0 197.9 205.1 221.4 230.7 230.6 226.0 234.1 18 Transaction 9.9 10.5 10.6 10.5 9.7 10.5 10.6 10.8 10.7 11.0 11.1 10.9 19 Nontransaction 155.8 162.9 168.9 169.8 176.2 187.3 194.5 210.6 220.0 219.6 214.9 223.3 20 Large time 152.0 162.2 165.3 166.7 172.9 184.7 190.9 206.5 216.0 215.4 213.0 213.8 21 Other 3.9 0.7 3.6 3.1 3.4 2.6 3.6 4.1 4.0 4.1 1.9 9.5 22 Borrowings 110.2 129.9 123.0 128.6 122.8 118.7 128.1 125.2 123.0 125.7 134.7 138.4 23 From banks in the U.S. 30.7 33.0 30.8 34.6 34.0 33.4 35.4 36.1 29.6 26.7 33.7 32.1 24 From others 79.6 96.9 92.2 94.1 88.8 85.3 92.7 89.1 93.3 99.0 101.0 106.2 25 Net due to related foreign offices 172.4 177.3 178.2 173.2 176.3 167.3 166.1 160.4 151.8 152.8 143.9 145.4 26 Other liabilities 81.0 69.2 71.8 69.4 68.7 74.8 80.2 83.0 84.4 86.7 91.3 92.3 27 TOTAL LIABILITIES 529.3 549.9 552.6 551.5 553.8 558.6 579.6 590.0 589.8 595.8 595.9 610.2 28 Residual (assets less liabilities) (7) 6.5 0.5 4.1 1.5 4.6 7.8 6.1 11.5 14.5 14.8 21.2 12.9 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 Dec Jun Jul Aug Sep Oct Nov Dec Jan 8 Jan 15 Jan 22 Jan 29 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 434.8 460.7 468.0 468.0 466.3 480.7 496.9 505.8 510.7 511.6 517.7 523.9 2 Securities in bank credit 138.2 147.4 148.4 150.8 145.5 149.5 159.6 160.6 160.1 161.3 166.3 171.3 3 U.S. government securities 66.2 78.0 79.0 82.4 81.9 82.6 88.0 86.7 84.4 83.1 83.2 84.8 3a Trading account -- -- -- -- -- 18.8 22.0 20.2 17.2 16.2 15.9 17.6 3b Investment account -- -- -- -- -- 63.7 66.0 66.5 67.2 66.9 67.3 67.2 4 Other securities 71.9 69.4 69.4 68.4 63.6 66.9 71.6 73.9 75.6 78.2 83.2 86.5 4a Trading account -- -- -- -- -- 48.3 52.4 54.5 53.6 55.3 60.4 63.5 4b Investment account -- -- -- -- -- 18.5 19.2 19.3 22.0 22.8 22.7 22.9 5 Loans and leases in bank credit (2) 296.7 313.4 319.6 317.2 320.8 331.3 337.3 345.2 350.7 350.3 351.4 352.6 6 Commercial and industrial 181.8 191.1 195.2 194.4 199.5 205.9 210.8 217.8 219.8 219.4 219.7 220.6 7 Real estate 35.9 33.1 32.9 33.1 32.9 33.1 33.2 32.7 32.6 32.5 32.3 32.6 11 Security (3) 29.8 32.5 32.0 29.8 29.1 32.7 34.5 35.4 36.4 35.5 37.9 38.2 12 Other loans and leases 49.0 56.6 59.5 59.8 59.3 59.7 58.8 59.3 61.8 62.9 61.5 61.2 13 Interbank loans 21.5 22.4 19.2 16.4 20.3 20.9 20.9 22.8 21.0 24.6 23.1 26.3 14 Cash assets (4) 30.2 26.6 28.2 28.5 28.8 30.1 31.3 32.5 31.8 32.9 31.8 32.6 15 Other assets (5) 49.6 41.7 42.0 44.5 41.5 33.6 36.8 38.2 37.1 38.6 38.8 39.2 16 TOTAL ASSETS (6) 536.0 551.3 557.4 557.3 556.9 565.2 585.7 599.2 600.4 607.5 611.2 621.9 L I A B I L I T I E S 17 Deposits 168.1 173.8 177.5 178.8 185.6 203.2 207.7 224.1 230.3 230.8 227.1 234.2 18 Transaction 10.5 10.4 10.6 10.3 10.1 10.6 10.6 11.5 10.7 11.1 11.0 10.8 19 Nontransaction 157.6 163.4 166.9 168.5 175.4 192.6 197.1 212.7 219.6 219.7 216.1 223.4 20 Large time 154.9 161.0 163.9 166.2 173.2 190.4 194.8 209.9 215.0 213.8 211.1 210.9 21 Other 2.7 2.4 3.0 2.3 2.3 2.3 2.4 2.7 4.6 5.9 5.0 12.5 22 Borrowings 109.4 134.4 130.6 133.6 123.9 115.3 124.8 124.2 121.8 124.1 131.5 132.4 23 From banks in the U.S. 31.7 34.5 32.2 35.1 33.3 30.9 35.5 36.9 32.1 29.2 32.8 33.3 24 From others 77.8 99.9 98.3 98.5 90.6 84.4 89.3 87.3 89.7 94.9 98.6 99.1 25 Net due to related foreign offices 175.0 170.2 175.0 171.2 174.3 167.3 165.8 162.0 158.4 160.3 155.3 155.3 26 Other liabilities 79.6 69.9 70.2 69.8 68.6 73.2 80.8 81.6 82.5 84.7 89.9 93.5 27 TOTAL LIABILITIES 532.1 548.3 553.3 553.3 552.4 559.0 579.0 592.0 593.0 599.9 603.7 615.4 28 Residual (assets less liabilities) (7) 3.9 3.0 4.1 4.0 4.5 6.2 6.7 7.2 7.4 7.6 7.5 6.4 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- -- -- 29.9 32.4 32.7 34.3 35.6 40.0 41.6 30 Reval. losses on off-bal. sheet items (8) -- -- -- -- -- 29.4 31.6 32.1 33.8 35.1 40.2 41.6 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 January 29, 1997. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta ASSETS 1 Bank credit 1,836.9 93.3 340.8 102.6 163.1 179.9 206.9 2 Securities in bank credit (14) 419.3 3 U.S. government securities (14) 282.8 3a Trading account (14) 16.2 3b Investment account 266.6 16.4 79.5 5.0 25.0 29.9 27.4 3c Mortgage-backed 172.9 7.2 59.4 2.0 18.6 17.8 16.1 3d Other 93.7 9.3 20.1 3.0 6.5 12.2 11.2 3e 1 year or less 25.8 3.5 3.7 0.9 1.2 3.4 2.2 3f Between 1 and 5 years 52.7 5.1 10.8 1.7 4.3 7.6 6.4 3g More than 5 years 15.2 0.7 5.6 0.4 1.0 1.2 2.6 4 Other securities (14) 136.5 4a Trading account (14) 69.9 4b Investment account 66.7 5.4 19.6 2.3 6.0 4.5 9.9 4c State and local government 20.6 1.9 6.7 0.6 0.8 1.0 2.1 4d Other 46.1 3.5 12.9 1.6 5.2 3.4 7.9 5 Loans and leases in bank credit (2) 1,417.6 71.4 241.7 95.3 132.1 145.5 169.6 6 Commerical and industrial 383.2 26.5 64.3 15.0 37.9 34.8 38.1 6a Bankers accep and commercial paper 1.6 0.1 0.6 0.0 0.0 0.1 0.0 6b Other 381.6 26.4 63.7 15.0 37.9 34.7 38.1 7 Real estate 562.1 19.9 97.1 28.6 48.2 74.0 82.3 8 Revolving home equtiy 55.1 3.1 7.7 3.3 5.7 6.9 5.9 9a Other residential 323.8 8.7 60.7 20.7 28.1 45.8 48.9 9b Commercial 183.2 8.1 28.8 4.6 14.4 21.3 27.5 10 Consumer 287.0 7.1 34.7 45.2 30.9 19.8 36.7 11 Security (3) 38.1 8.6 13.8 0.1 1.0 2.8 1.5 11a Fed funds and RPs with broker/dealer 22.3 8.1 5.8 0.0 0.1 2.5 1.0 11b Other 15.8 0.5 8.0 0.1 0.9 0.3 0.4 12a State and local government 11.0 0.2 1.6 0.7 1.2 2.0 2.1 12b Agricultural 7.5 0.0 0.2 0.1 0.2 0.5 0.5 12c Fed funds and RPs with others 4.9 0.7 2.3 0.0 0.0 0.9 0.0 12d All other loans 59.1 3.6 14.5 1.4 3.0 4.7 3.6 12e Lease financing receivables 64.8 4.8 13.2 4.2 9.6 6.1 4.9 13 Interbank loans 125.9 5.2 47.4 3.0 8.0 10.2 11.8 13a Fed funds and RPs with banks 77.8 2.5 27.7 2.9 4.9 7.1 10.6 13b Other 48.1 2.7 19.7 0.1 3.1 3.1 1.2 14 Cash assets(4) 131.0 8.0 29.2 4.9 8.7 10.2 11.0 15 Other assets (12) 193.0 13.9 110.8 13.5 12.9 33.7 15.4 16 TOTAL ASSETS (6) 2,251.4 118.7 516.2 121.8 189.8 231.8 242.2 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 January 29, 1997. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta 17 Deposits 1,343.5 64.7 270.9 68.0 118.1 121.5 168.9 18 Transaction 373.8 22.1 72.7 14.8 27.0 27.7 34.8 19 Nontransaction 969.8 42.6 198.1 53.2 91.1 93.7 134.0 20 Large time 154.2 6.4 42.4 12.4 10.2 13.4 18.4 21 Other 815.6 36.3 155.8 40.9 80.9 80.4 115.7 22 Borrowings 422.7 30.3 74.6 32.9 42.7 60.7 38.7 23 From banks in the US 180.3 8.5 23.2 16.2 15.9 28.1 20.9 24 From others 242.4 21.8 51.4 16.7 26.8 32.6 17.8 26 Other liabilities (13) 264.8 13.3 105.3 8.8 14.4 33.6 14.1 27 TOTAL LIABILITIES 2,031.0 108.4 450.7 109.7 175.3 215.8 221.7 28 Residual (assets less liabilities (13) 220.4 10.3 65.5 12.1 14.6 16.1 20.6 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 50.7 30 Reval. losses on off-bal. sheet items (8,14) 46.6 31 Mortgage-backed securities (9) 195.6 7.8 64.0 3.3 20.0 19.1 22.0 31a Pass-through 136.8 5.7 51.1 1.7 12.4 15.8 13.8 31b CMO, REMIC and other 58.8 2.1 12.8 1.5 7.5 3.2 8.2 32 Net unrealized ganis (losses) 2.6 on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) 30.9 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 January 29, 1997. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansac City Dallas San Francisco ASSETS 1 Bank credit 190.0 40.5 39.4 25.8 69.3 299.3 2 Securities in bank credit (14) 3 U.S. government securities (14) 3a Trading account (14) 3b Investment account (14) 27.0 7.1 2.7 6.1 11.9 28.4 3c Mortgage-backed 12.0 4.1 1.8 4.3 9.8 19.8 3d Other 15.0 2.9 0.9 1.8 2.1 8.6 3e 1 year or less 7.7 0.8 0.1 0.4 0.2 1.7 3f Between 1 and 5 years 5.9 1.6 0.3 1.4 1.7 5.9 3g More than 5 years 1.5 0.4 0.6 0.0 0.3 1.0 4 Other securities (14) 4a Trading account (14) 4b Investment accout (14) 6.7 1.1 0.6 1.0 2.2 7.4 4c State and local government 3.6 0.7 0.2 0.6 0.7 1.7 4d Other 3.0 0.4 0.4 0.4 1.6 5.7 5 Loans and leases in bank credit (2) 156.3 32.3 36.1 18.7 55.1 263.4 6 Commerical and industrial 65.2 8.3 8.3 5.1 24.6 54.9 6a Bankers accep and commercial paper 0.2 0.0 0.0 0.0 0.0 0.5 6b Other 65.0 8.3 8.3 5.1 24.6 54.5 7 Real estate 48.5 15.0 7.9 6.8 14.5 119.2 8 Revolving home equtiy 4.9 1.3 0.4 0.4 0.3 15.2 9a Other residential 19.4 10.0 5.2 3.7 9.8 62.9 9b Commercial 24.3 3.8 2.3 2.7 4.4 41.1 10 Consumer 23.8 5.2 15.7 4.7 9.8 53.4 11 Security (3) 4.4 1.6 1.2 0.1 1.1 2.1 11a Fed funds and RPs with broker/dealer 0.8 1.4 0.8 0.0 0.8 1.1 11b Other 3.6 0.2 0.5 0.1 0.3 1.0 12a State and local government 1.2 0.2 0.1 0.1 0.1 1.4 12b Agricultural 0.4 0.1 0.2 0.4 0.2 4.7 12c Fed funds and RPs with others 0.4 0.0 0.0 0.0 0.0 0.5 12d All other loans 8.0 0.9 1.6 1.2 4.1 12.5 12e Lease financing receivables 4.4 0.9 0.9 0.3 0.8 14.7 13 Interbank loans 8.0 3.2 4.4 1.0 7.7 16.0 13a Fed funds and RPs with banks 7.4 3.1 4.1 0.7 2.5 4.1 13b Other 0.6 0.1 0.3 0.3 5.2 11.9 14 Cash assets(4) 15.5 2.7 2.1 3.1 10.6 25.0 15 Other assets (12) 20.9 3.3 2.8 1.3 7.0 43.7 16 TOTAL ASSETS 231.4 49.2 47.9 30.9 93.8 377.7 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 January 29, 1997. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansas City Dallas San Francisco 17 Deposits 135.8 28.9 22.3 23.8 66.7 253.9 18 Transaction 39.4 6.9 7.2 7.3 20.8 92.9 19 Nontransaction 96.4 22.0 15.1 16.5 45.9 161.0 20 Large time 17.4 2.4 1.3 1.5 4.5 24.0 21 Other 78.9 19.6 13.9 15.0 41.4 137.0 22 Borrowings 45.4 14.2 16.7 3.6 14.0 48.9 23 From banks in the US 14.0 10.0 12.8 2.1 4.0 24.7 24 From others 31.4 4.2 3.9 1.5 10.0 24.3 26 Other liabilities (13) 28.7 2.5 4.7 1.1 5.0 33.3 27 TOTAL LIABILITIES 209.8 45.7 43.7 28.4 85.7 336.2 28 Residual (assets less liabilities (13) 21.6 3.5 4.2 2.4 8.1 41.5 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) 13.9 4.9 1.9 4.9 10.7 23.2 31a Pass-through 7.4 1.8 1.6 3.6 8.7 13.1 31b CMO, REMIC and other 6.5 3.1 0.3 1.3 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.