H.8(510) April 4, 1997 Data on the attached H.8 release have been benchmarked through the December 1996 Call report. Data on the previous release were benchmarked to the September 1996 Call report. 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 April 4, 1997 Account 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,645.6 3,674.5 3,692.8 3,718.0 3,744.3 3,772.3 3,807.3 3,846.0 3,856.7 3,857.3 3,854.3 3,881.1 2 Securities in bank credit 1,000.1 972.1 968.8 969.3 980.1 989.4 1,004.6 1,020.4 1,012.4 1,011.0 1,004.8 1,017.9 3 U.S. government securities 710.9 702.2 703.2 703.2 707.0 706.1 705.7 703.0 703.4 701.0 703.9 709.2 4 Other securities 289.2 269.9 265.6 266.1 273.1 283.3 298.9 317.4 309.0 310.0 301.0 308.7 5 Loans and leases in bank credit (2) 2,645.5 2,702.4 2,724.0 2,748.7 2,764.1 2,782.9 2,802.7 2,825.7 2,844.3 2,846.2 2,849.5 2,863.3 6 Commercial and industrial 724.2 746.8 761.1 770.6 774.7 784.1 787.4 797.0 801.6 801.2 801.6 806.1 7 Real estate 1,090.9 1,109.4 1,112.0 1,115.5 1,121.4 1,127.7 1,134.1 1,140.0 1,148.2 1,150.5 1,150.8 1,152.0 8 Revolving home equity 79.7 80.5 81.2 83.3 84.3 85.4 85.9 86.6 87.2 87.4 87.4 87.6 9 Other 1,011.2 1,028.9 1,030.8 1,032.1 1,037.2 1,042.3 1,048.2 1,053.4 1,061.0 1,063.1 1,063.4 1,064.4 10 Consumer 497.4 512.8 515.9 519.4 521.5 522.6 523.2 522.8 520.9 521.8 521.2 522.8 11 Security (3) 87.6 72.3 73.8 76.9 77.9 79.7 83.4 84.7 88.9 87.2 89.4 92.3 12 Other loans and leases 245.4 261.0 261.3 266.4 268.6 268.8 274.7 281.2 284.7 285.5 286.5 290.1 13 Interbank loans 191.9 197.6 205.4 204.6 212.2 204.1 197.7 203.8 211.2 218.9 217.4 226.2 14 Cash assets (4) 219.2 223.3 224.2 226.1 232.7 230.9 231.1 230.9 235.1 240.3 230.0 238.5 15 Other assets (5) 233.7 257.8 260.0 253.4 259.8 269.4 263.2 275.3 285.7 284.3 286.0 284.3 16 TOTAL ASSETS (6) 4,233.8 4,295.7 4,325.1 4,345.3 4,392.3 4,420.0 4,443.2 4,500.1 4,532.8 4,545.0 4,531.9 4,574.3 L I A B I L I T I E S 17 Deposits 2,678.6 2,751.0 2,771.9 2,774.2 2,804.8 2,832.0 2,846.3 2,871.8 2,915.1 2,896.9 2,879.7 2,904.7 18 Transaction 764.7 733.3 725.2 712.7 715.1 712.9 709.6 701.0 699.1 693.5 688.5 711.2 19 Nontransaction 1,913.9 2,017.6 2,046.7 2,061.5 2,089.7 2,119.1 2,136.7 2,170.8 2,216.0 2,203.4 2,191.2 2,193.6 20 Large time 427.3 458.8 471.7 479.6 489.4 507.7 518.7 535.3 542.7 539.6 540.3 541.5 21 Other 1,486.7 1,558.8 1,575.0 1,581.9 1,600.3 1,611.4 1,618.0 1,635.5 1,673.3 1,663.8 1,651.0 1,652.1 22 Borrowings 694.4 701.5 706.8 690.0 709.8 707.8 728.4 744.2 749.5 761.7 769.4 768.7 23 From banks in the U.S. 295.2 290.2 296.1 292.7 304.1 307.9 303.5 308.8 323.6 324.3 317.7 314.3 24 From others 399.1 411.4 410.8 397.3 405.7 399.9 425.0 435.4 425.8 437.5 451.7 454.4 25 Net due to related foreign offices 270.6 247.7 251.0 244.2 238.1 231.4 222.9 218.7 205.5 211.0 219.6 199.0 26 Other liabilities 233.4 222.2 221.4 242.7 253.7 262.7 272.0 289.9 293.0 290.5 277.8 278.5 27 TOTAL LIABILITIES 3,877.0 3,922.5 3,951.1 3,951.1 4,006.4 4,033.9 4,069.7 4,124.6 4,163.1 4,160.1 4,146.4 4,151.0 28 Residual (assets less liabilities) (7) 356.8 373.3 374.0 394.2 385.9 386.2 373.5 375.5 369.7 384.8 385.5 423.3 H.8 (510) pg.2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,638.5 3,675.6 3,695.2 3,719.7 3,748.5 3,771.3 3,805.6 3,838.9 3,857.9 3,847.7 3,847.4 3,857.5 2 Securities in bank credit 996.3 976.5 969.5 969.2 978.8 975.5 995.7 1,017.0 1,018.5 1,015.5 1,009.8 1,013.3 3 U.S. government securities 708.7 704.5 704.3 703.8 707.4 702.0 699.7 701.7 706.1 705.8 710.5 712.8 4 Other securities 287.6 272.0 265.2 265.4 271.4 273.5 296.0 315.3 312.4 309.7 299.2 300.5 5 Loans and leases in bank credit (2) 2,642.2 2,699.2 2,725.8 2,750.5 2,769.7 2,795.8 2,809.9 2,821.9 2,839.4 2,832.2 2,837.6 2,844.2 6 Commercial and industrial 723.8 743.0 756.0 767.0 772.8 781.0 785.1 796.6 803.5 801.4 805.6 807.6 7 Real estate 1,087.8 1,110.9 1,115.0 1,118.6 1,125.7 1,132.6 1,136.1 1,136.9 1,143.0 1,145.3 1,144.0 1,145.2 8 Revolving home equity 79.3 80.8 81.8 83.9 84.7 85.5 85.9 86.2 86.6 86.7 86.6 86.6 9 Other 1,008.6 1,030.1 1,033.2 1,034.7 1,041.0 1,047.1 1,050.2 1,050.7 1,056.4 1,058.6 1,057.4 1,058.5 10 Consumer 498.1 513.2 518.0 519.6 522.0 527.4 528.8 523.5 517.6 517.1 516.4 517.7 11 Security (3) 88.9 70.8 73.0 76.7 79.3 81.0 82.6 85.8 91.4 87.2 89.8 90.3 12 Other loans and leases 243.6 261.3 263.6 268.6 270.0 273.9 277.3 279.1 283.9 281.1 281.7 283.5 13 Interbank loans 196.1 192.9 199.7 199.4 216.5 213.3 207.4 208.2 217.3 218.0 212.6 211.4 14 Cash assets (4) 220.1 212.3 221.5 227.1 239.7 246.9 241.5 232.1 229.9 230.0 222.6 221.6 15 Other assets (5) 234.1 260.8 262.5 250.8 258.6 269.3 263.9 275.0 285.3 278.5 279.0 277.0 16 TOTAL ASSETS (6) 4,232.3 4,284.2 4,321.3 4,340.3 4,406.6 4,444.2 4,462.4 4,498.3 4,534.4 4,518.3 4,505.7 4,511.8 L I A B I L I T I E S 17 Deposits 2,664.3 2,740.4 2,772.4 2,779.0 2,821.8 2,863.9 2,850.3 2,857.0 2,912.6 2,888.9 2,867.7 2,868.8 18 Transaction 757.0 720.4 723.7 710.4 725.2 745.8 721.0 694.1 697.3 681.8 674.5 677.9 19 Nontransaction 1,907.3 2,020.0 2,048.8 2,068.6 2,096.5 2,118.1 2,129.3 2,162.8 2,215.3 2,207.0 2,193.2 2,190.8 20 Large time 426.4 459.1 469.7 485.0 493.9 507.8 515.4 533.1 541.5 540.0 540.5 541.3 21 Other 1,480.9 1,560.9 1,579.0 1,583.6 1,602.6 1,610.3 1,613.9 1,629.7 1,673.8 1,667.1 1,652.6 1,649.6 22 Borrowings 684.4 707.2 711.1 682.4 699.5 700.1 722.7 728.3 727.2 727.8 744.3 750.9 23 From banks in the U.S. 289.6 295.4 298.5 286.1 297.9 302.6 297.7 296.8 305.2 302.5 296.9 307.9 24 From others 394.7 411.8 412.6 396.3 401.7 397.5 425.1 431.5 422.0 425.3 447.5 443.0 25 Net due to related foreign offices 278.1 243.4 245.2 245.8 235.2 230.1 233.3 229.4 206.9 219.2 223.7 223.7 26 Other liabilities 235.0 221.6 222.0 241.8 257.5 258.6 269.3 291.8 295.2 290.7 273.4 273.2 27 TOTAL LIABILITIES 3,861.8 3,912.6 3,950.6 3,949.0 4,013.9 4,052.6 4,075.6 4,106.5 4,141.9 4,126.6 4,109.1 4,116.6 28 Residual (assets less liabilities) (7) 370.5 371.5 370.6 391.3 392.6 391.6 386.8 391.8 392.5 391.7 396.6 395.1 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- 62.4 65.5 69.6 89.1 102.8 100.4 95.1 89.3 89.5 30 Reval. losses on off-bal. sheet items (8) -- -- -- 58.3 60.4 64.3 84.8 98.1 96.0 90.3 83.7 82.1 H.8 (510) pg.3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,194.2 3,210.0 3,225.4 3,237.5 3,250.5 3,267.2 3,290.3 3,313.4 3,326.5 3,326.7 3,329.8 3,345.4 2 Securities in bank credit 853.4 824.6 822.3 820.7 822.3 825.0 834.4 843.7 841.9 839.8 836.8 839.8 3 U.S. government securities 640.0 621.2 620.3 620.6 620.0 618.6 624.0 617.8 618.9 619.4 623.0 625.1 4 Other securities 213.5 203.4 202.0 200.1 202.4 206.5 210.4 226.0 223.0 220.4 213.8 214.8 5 Loans and leases in bank credit (2) 2,340.7 2,385.5 2,403.0 2,416.8 2,428.2 2,442.2 2,455.9 2,469.6 2,484.6 2,486.9 2,493.0 2,505.6 6 Commercial and industrial 540.1 552.6 560.5 564.8 566.6 571.0 572.4 578.8 582.5 582.1 583.7 587.8 7 Real estate 1,056.5 1,076.4 1,079.2 1,082.7 1,089.0 1,095.7 1,102.2 1,107.7 1,115.8 1,118.4 1,118.7 1,120.0 8 Revolving home equity 79.7 80.5 81.2 83.3 84.3 85.4 85.9 86.6 87.2 87.4 87.4 87.6 9 Other 976.8 995.9 998.0 999.4 1,004.7 1,010.3 1,016.2 1,021.0 1,028.7 1,031.0 1,031.3 1,032.4 10 Consumer 497.4 512.8 515.9 519.4 521.5 522.6 523.2 522.8 520.9 521.8 521.2 522.8 11 Security (3) 52.1 42.5 44.7 44.0 42.9 43.6 45.3 45.1 46.8 47.2 50.3 51.6 12 Other loans and leases 194.6 201.3 202.8 206.0 208.2 209.4 212.8 215.3 218.5 217.4 219.1 223.3 13 Interbank loans 173.0 181.2 185.1 184.0 192.0 182.3 174.3 181.5 192.7 193.9 192.1 200.0 14 Cash assets (4) 190.1 194.8 194.7 196.4 201.8 199.8 199.9 197.8 199.6 206.3 198.5 206.2 15 Other assets (5) 184.7 214.1 219.0 219.6 223.6 232.4 224.5 233.1 239.7 240.8 244.7 243.8 16 TOTAL ASSETS (6) 3,685.5 3,742.8 3,766.8 3,781.0 3,811.4 3,825.3 3,833.2 3,870.0 3,902.7 3,912.2 3,909.4 3,939.9 L I A B I L I T I E S 17 Deposits 2,510.2 2,570.7 2,585.9 2,576.8 2,600.9 2,612.5 2,619.4 2,631.0 2,664.2 2,650.4 2,635.3 2,660.4 18 Transaction 754.3 722.9 715.5 702.3 704.9 702.7 699.2 691.1 688.8 682.9 677.3 700.4 19 Nontransaction 1,756.0 1,847.9 1,870.4 1,874.5 1,896.0 1,909.8 1,920.2 1,939.8 1,975.4 1,967.5 1,958.0 1,960.0 20 Large time 273.1 292.2 298.9 295.2 299.4 302.6 302.3 306.6 308.2 307.6 308.5 309.5 21 Other 1,482.8 1,555.7 1,571.6 1,579.3 1,596.6 1,607.2 1,617.9 1,633.2 1,667.2 1,659.9 1,649.6 1,650.5 22 Borrowings 575.7 572.9 584.1 572.5 584.1 586.0 597.4 599.8 602.7 622.2 631.3 618.3 23 From banks in the U.S. 265.0 255.6 262.1 260.3 270.8 274.9 275.2 274.4 283.0 292.6 284.6 274.4 24 From others 310.7 317.3 321.9 312.2 313.3 311.1 322.2 325.3 319.7 329.7 346.7 343.9 25 Net due to related foreign offices 90.5 74.5 74.7 76.5 71.0 69.1 72.0 78.2 67.1 65.3 73.3 64.2 26 Other liabilities 155.7 152.8 152.7 168.1 173.8 179.8 182.1 190.3 195.0 193.3 186.2 186.9 27 TOTAL LIABILITIES 3,332.1 3,370.9 3,397.4 3,393.9 3,429.7 3,447.4 3,471.0 3,499.3 3,529.0 3,531.3 3,526.1 3,529.8 28 Residual (assets less liabilities) (7) 353.3 371.8 369.4 387.1 381.6 377.9 362.2 370.7 373.7 380.9 383.3 410.1 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 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,187.2 3,207.8 3,229.1 3,240.5 3,255.2 3,270.2 3,291.7 3,305.6 3,323.0 3,316.0 3,320.7 3,329.8 2 Securities in bank credit 849.5 825.8 824.1 820.7 821.3 817.5 829.7 839.4 843.0 841.4 838.9 841.6 3 U.S. government securities 637.0 622.1 622.5 621.7 620.4 616.8 617.0 614.7 618.4 620.6 625.1 627.0 4 Other securities 212.5 203.7 201.7 199.1 200.9 200.6 212.7 224.6 224.6 220.8 213.8 214.7 5 Loans and leases in bank credit (2) 2,337.7 2,382.0 2,405.0 2,419.8 2,433.9 2,452.7 2,462.0 2,466.3 2,479.9 2,474.6 2,481.8 2,488.2 6 Commercial and industrial 539.8 548.6 556.6 562.4 564.9 567.5 570.2 578.5 584.9 583.3 587.6 590.4 7 Real estate 1,053.4 1,077.8 1,082.1 1,085.7 1,092.8 1,100.4 1,104.2 1,104.6 1,110.5 1,113.0 1,111.8 1,113.4 8 Revolving home equity 79.3 80.8 81.8 83.9 84.7 85.5 85.9 86.2 86.6 86.7 86.6 86.6 9 Other 974.1 997.0 1,000.3 1,001.8 1,008.1 1,014.9 1,018.2 1,018.3 1,023.9 1,026.3 1,025.1 1,026.7 10 Consumer 498.1 513.2 518.0 519.6 522.0 527.4 528.8 523.5 517.6 517.1 516.4 517.7 11 Security (3) 53.3 41.0 43.9 43.8 44.3 44.8 44.5 46.2 49.3 47.3 50.7 49.6 12 Other loans and leases 193.0 201.5 204.2 208.4 209.9 212.6 214.2 213.6 217.6 213.9 215.4 217.2 13 Interbank loans 177.2 176.5 179.4 178.7 196.3 191.6 184.1 185.8 198.7 193.0 187.3 185.2 14 Cash assets (4) 191.6 183.8 192.6 197.0 208.5 214.7 209.9 199.8 195.4 196.8 191.6 189.4 15 Other assets (5) 184.2 216.3 221.0 217.3 222.1 231.6 225.9 232.0 238.4 234.5 239.0 237.6 16 TOTAL ASSETS (6) 3,683.8 3,726.9 3,764.6 3,777.2 3,825.6 3,851.6 3,855.7 3,867.6 3,899.8 3,884.7 3,883.0 3,886.6 L I A B I L I T I E S 17 Deposits 2,497.7 2,561.6 2,586.9 2,576.3 2,615.3 2,641.7 2,623.2 2,619.3 2,664.8 2,642.6 2,622.0 2,622.4 18 Transaction 746.3 710.2 713.5 700.0 715.1 734.9 710.6 684.0 687.2 671.6 663.8 667.2 19 Nontransaction 1,751.4 1,851.5 1,873.4 1,876.3 1,900.2 1,906.8 1,912.7 1,935.3 1,977.6 1,971.1 1,958.2 1,955.2 20 Large time 275.3 292.9 296.6 295.0 300.0 299.3 301.0 309.4 310.3 308.4 307.9 308.3 21 Other 1,476.1 1,558.6 1,576.8 1,581.3 1,600.2 1,607.5 1,611.7 1,625.9 1,667.3 1,662.6 1,650.2 1,646.9 22 Borrowings 571.1 573.6 587.2 568.2 577.3 579.4 594.9 590.5 583.7 593.9 609.5 613.4 23 From banks in the U.S. 261.2 260.3 265.2 256.1 264.6 269.0 268.4 264.7 266.5 272.3 264.2 272.8 24 From others 309.9 313.3 322.0 312.0 312.8 310.4 326.6 325.8 317.2 321.6 345.3 340.6 25 Net due to related foreign offices 92.4 72.2 70.9 78.2 68.4 66.2 73.6 79.9 69.3 69.0 75.0 75.0 26 Other liabilities 155.4 151.8 153.3 168.8 176.9 177.1 180.2 189.8 194.5 191.9 183.0 183.9 27 TOTAL LIABILITIES 3,316.6 3,359.3 3,398.3 3,391.4 3,437.9 3,464.4 3,472.0 3,479.5 3,512.3 3,497.4 3,489.4 3,494.7 28 Residual (assets less liabilities) (7) 367.1 367.7 366.3 385.8 387.7 387.2 383.8 388.1 387.5 387.3 393.5 391.9 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- 32.5 33.1 36.2 47.5 55.8 55.4 50.6 46.5 47.5 30 Reval. losses on off-bal. sheet items (8) -- -- -- 28.9 28.9 31.8 44.0 50.9 50.7 45.8 40.8 40.2 31 Mortgage-backed securities (9) -- -- -- 236.5 238.1 241.3 244.6 243.4 243.0 243.1 243.1 245.0 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 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,832.3 1,795.2 1,803.8 1,811.4 1,815.7 1,824.5 1,838.3 1,857.1 1,864.3 1,863.9 1,860.1 1,876.5 2 Securities in bank credit 447.2 408.6 406.9 407.1 410.1 412.7 418.1 428.6 425.2 423.7 418.0 421.9 3 U.S. government securities 312.8 285.4 285.1 287.2 287.9 286.3 289.0 283.4 283.0 284.4 285.5 288.5 3a Trading account 22.1 20.2 20.9 21.2 21.5 19.4 17.2 16.1 16.2 17.3 17.3 18.0 3b Investment account 290.7 265.2 264.2 265.9 266.4 266.9 271.8 267.3 266.8 267.2 268.2 270.5 4 Other securities 134.4 123.2 121.8 119.9 122.2 126.4 129.2 145.2 142.2 139.3 132.5 133.4 4a Trading account 63.4 56.9 56.4 55.1 57.8 60.9 64.6 79.9 76.3 73.9 66.1 66.7 4b Investment account 71.0 66.2 65.5 64.8 64.4 65.5 64.5 65.3 65.8 65.4 66.4 66.6 4c State and local government 21.5 20.5 20.3 20.2 20.2 20.3 20.5 21.0 20.8 20.6 20.6 20.6 4d Other 49.6 45.8 45.1 44.6 44.2 45.2 44.1 44.3 45.0 44.8 45.8 46.1 5 Loans and leases in bank credit (2) 1,385.0 1,386.6 1,396.9 1,404.4 1,405.6 1,411.8 1,420.2 1,428.5 1,439.2 1,440.2 1,442.1 1,454.5 6 Commercial and industrial 368.5 373.3 379.7 383.1 383.2 385.6 386.2 390.4 393.1 392.8 393.9 397.9 7 Real estate 565.3 558.8 558.1 559.2 560.5 562.8 563.0 563.8 568.1 569.7 567.4 568.9 8 Revolving home equity 53.6 53.7 53.9 54.2 54.7 55.3 55.4 55.8 56.1 56.3 56.2 56.3 9 Other 511.7 505.2 504.2 505.0 505.8 507.5 507.6 508.0 512.0 513.4 511.2 512.7 10 Consumer 273.5 280.1 281.7 281.4 281.1 281.3 284.4 286.2 285.6 285.7 284.4 286.6 11 Security (3) 46.5 37.4 39.5 39.1 37.8 38.5 40.4 39.9 41.3 41.9 44.9 46.2 12a State and local government 11.4 11.1 10.9 10.9 11.2 11.3 11.2 11.1 11.0 11.0 10.9 11.0 12b All other loans and leases 119.9 125.8 127.0 130.6 131.8 132.2 135.1 137.1 140.1 139.1 140.5 143.9 13 Interbank loans 112.7 132.1 134.2 133.1 138.5 127.1 120.1 124.1 130.1 132.1 131.1 137.4 14 Cash assets (4) 126.5 130.0 128.7 128.9 133.1 131.1 130.9 128.0 129.9 135.5 130.9 136.8 15 Other assets (5) 134.6 158.3 161.9 163.3 166.7 173.9 167.4 173.9 172.8 174.5 180.2 175.8 16 TOTAL ASSETS (6) 2,169.4 2,178.9 2,192.1 2,200.9 2,218.2 2,220.9 2,221.4 2,248.0 2,261.8 2,270.8 2,267.2 2,291.4 L I A B I L I T I E S 17 Deposits 1,316.4 1,344.3 1,350.8 1,359.9 1,371.3 1,378.6 1,371.2 1,369.3 1,381.5 1,371.9 1,365.1 1,383.8 18 Transaction 421.9 402.0 394.3 387.8 388.3 387.0 384.0 374.7 369.7 365.8 361.0 379.0 19 Nontransaction 894.6 942.2 956.5 972.1 983.0 991.6 987.2 994.6 1,011.8 1,006.1 1,004.1 1,004.8 20 Large time 125.9 140.0 146.8 152.0 153.7 155.4 153.7 156.5 156.7 155.5 156.8 158.4 21 Other 768.6 802.2 809.7 820.1 829.3 836.1 833.5 838.1 855.0 850.6 847.3 846.4 22 Borrowings 437.7 413.2 422.2 407.2 416.3 416.9 427.2 427.9 427.8 443.6 447.8 442.0 23 From banks in the U.S. 188.6 172.8 178.3 173.4 183.2 189.2 188.1 187.2 193.6 201.8 191.1 187.6 24 From others 249.1 240.4 244.0 233.8 233.1 227.7 239.1 240.7 234.2 241.8 256.7 254.4 25 Net due to related foreign offices 84.3 70.1 68.9 73.2 68.8 66.4 68.0 74.3 63.5 61.7 69.8 60.7 26 Other liabilities 124.0 126.0 126.1 139.4 144.8 150.6 154.1 162.3 167.2 165.4 157.7 158.9 27 TOTAL LIABILITIES 1,962.5 1,953.6 1,968.0 1,979.7 2,001.2 2,012.5 2,020.5 2,033.8 2,040.0 2,042.6 2,040.4 2,045.5 28 Residual (assets less liabilities) (7) 207.0 225.3 224.1 221.1 217.0 208.4 201.0 214.1 221.8 228.2 226.8 245.9 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 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,831.0 1,793.3 1,803.5 1,811.9 1,818.8 1,824.7 1,841.5 1,854.9 1,867.2 1,859.0 1,856.2 1,864.2 2 Securities in bank credit 445.0 411.7 408.3 408.1 410.7 405.6 414.8 425.9 428.0 425.1 418.7 420.1 3 U.S. government securities 311.2 287.9 286.7 289.3 290.1 285.1 283.3 281.7 284.3 285.4 286.4 287.3 3a Trading account 22.5 20.9 21.0 22.0 22.7 18.1 16.3 16.3 17.8 19.0 19.3 17.8 3b Investment account 288.8 267.1 265.7 267.3 267.3 266.9 267.0 265.4 266.5 266.5 267.1 269.5 4 Other securities 133.7 123.7 121.6 118.8 120.6 120.5 131.6 144.2 143.8 139.6 132.3 132.8 4a Trading account 62.6 57.8 56.1 53.5 55.4 54.4 66.5 78.8 78.0 74.4 66.4 66.7 4b Investment account 71.1 65.9 65.5 65.3 65.2 66.1 65.0 65.4 65.8 65.3 65.9 66.1 4c State and local government 21.5 20.3 20.3 20.2 20.3 20.4 20.5 21.0 20.8 20.6 20.7 20.7 4d Other 49.7 45.6 45.2 45.1 45.0 45.7 44.6 44.4 45.0 44.6 45.2 45.4 5 Loans and leases in bank credit (2) 1,386.0 1,381.7 1,395.2 1,403.7 1,408.1 1,419.1 1,426.6 1,429.0 1,439.2 1,433.9 1,437.5 1,444.1 6 Commercial and industrial 368.5 370.5 376.8 381.3 382.2 382.6 384.0 390.4 395.5 393.9 397.0 399.6 7 Real estate 564.8 559.1 558.8 559.9 562.1 565.6 565.4 563.3 566.0 567.6 564.0 565.0 8 Revolving home equity 53.4 53.8 54.2 54.5 55.0 55.4 55.5 55.6 55.8 55.8 55.7 55.7 9 Other 511.4 505.3 504.7 505.3 507.1 510.2 509.9 507.7 510.2 511.8 508.4 509.3 10 Consumer 273.5 280.5 282.9 281.0 280.8 285.2 289.0 286.0 283.4 282.9 281.7 283.7 11 Security (3) 47.6 35.9 38.9 39.0 39.0 39.5 39.5 40.9 43.5 41.8 45.5 44.5 12a State and local government 11.3 11.2 11.0 11.0 11.2 11.3 11.0 11.0 10.9 11.0 10.9 11.0 12b All other loans and leases 120.3 124.4 126.8 131.6 132.8 134.9 137.8 137.3 139.9 136.8 138.4 140.3 13 Interbank loans 114.5 128.4 130.2 127.6 137.9 133.3 128.6 126.4 130.8 128.7 128.6 128.5 14 Cash assets (4) 128.7 121.3 128.1 128.4 137.1 142.4 138.8 130.7 126.6 128.2 126.2 123.9 15 Other assets (5) 132.9 160.4 163.5 161.3 164.7 172.4 167.8 171.5 170.9 169.8 176.7 171.7 16 TOTAL ASSETS (6) 2,170.5 2,166.6 2,188.5 2,193.4 2,222.7 2,237.1 2,241.5 2,248.3 2,260.1 2,250.6 2,252.5 2,253.3 L I A B I L I T I E S 17 Deposits 1,313.8 1,338.0 1,349.7 1,357.1 1,378.2 1,394.6 1,377.4 1,367.3 1,384.1 1,368.5 1,359.9 1,358.3 18 Tranlgdtion 418.2 392.8 393.1 384.9 394.9 408.3 391.6 371.4 367.8 357.3 353.9 357.1 19 Nontranlgdtion 895.5 945.2 956.6 972.2 983.3 986.4 985.8 995.9 1,016.4 1,011.3 1,005.9 1,001.2 20 Large time 127.5 141.0 144.7 151.4 153.9 153.0 153.6 158.7 158.3 155.6 155.7 156.0 21 Other 768.0 804.3 811.8 820.7 829.3 833.4 832.2 837.3 858.1 855.6 850.3 845.1 22 Borrowings 433.5 415.8 425.8 402.8 411.0 410.9 423.0 420.1 416.3 425.2 437.4 438.8 23 From banks in the U.S. 185.5 177.7 180.6 169.8 178.7 183.9 181.5 179.4 183.7 188.7 179.2 186.5 24 From others 248.0 238.1 245.2 232.9 232.3 227.0 241.5 240.6 232.6 236.4 258.2 252.3 25 Net due to related foreign offices 86.2 67.8 65.0 74.8 66.2 63.4 69.7 76.0 65.7 65.3 71.5 71.5 26 Other liabilities 123.1 124.9 127.0 140.1 148.0 148.3 151.9 161.3 166.4 163.6 154.2 155.3 27 TOTAL LIABILITIES 1,956.6 1,946.5 1,967.5 1,974.7 2,003.5 2,017.3 2,022.0 2,024.7 2,032.5 2,022.6 2,023.0 2,023.9 28 Residual (assets less liabilities) (7) 213.9 220.1 221.1 218.6 219.3 219.8 219.5 223.7 227.5 228.0 229.5 229.4 MEMO 29 Reval. gains on off-bal. sheet itens(8) -- -- -- 32.5 33.1 36.2 47.5 55.8 55.4 50.6 46.5 47.5 30 Reval. losses on off-bal. sheet itens (8) -- -- -- 28.9 28.9 31.8 44.0 50.9 50.7 45.8 40.8 40.2 31 Mortgage-backed securities (9) -- -- -- 188.2 189.5 192.0 193.7 193.0 192.9 193.0 192.4 194.0 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 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,361.9 1,414.9 1,421.5 1,426.1 1,434.8 1,442.8 1,452.1 1,456.3 1,462.2 1,462.9 1,469.7 1,468.9 2 Securities in bank credit 406.2 416.0 415.4 413.6 412.2 412.3 416.3 415.1 416.8 416.1 418.8 417.9 3 U.S. government securities 327.1 335.8 335.2 333.4 332.1 332.2 335.0 334.4 335.9 335.0 337.5 336.5 4 Other securities 79.1 80.2 80.2 80.2 80.2 80.1 81.3 80.8 80.8 81.1 81.3 81.4 5 Loans and leases in bank credit (2) 955.7 998.9 1,006.1 1,012.4 1,022.5 1,030.5 1,035.8 1,041.2 1,045.5 1,046.8 1,050.9 1,051.1 6 Commercial and industrial 171.7 179.3 180.8 181.6 183.4 185.4 186.3 188.3 189.4 189.3 189.8 190.0 7 Real estate 491.2 517.6 521.1 523.5 528.5 532.8 539.1 543.8 547.7 548.7 551.3 551.1 8 Revolving home equity 26.1 26.9 27.3 29.1 29.6 30.0 30.5 30.8 31.0 31.1 31.2 31.3 9 Other 465.1 490.7 493.8 494.4 498.9 502.8 508.7 513.0 516.7 517.6 520.1 519.8 10 Consumer 223.9 232.6 234.1 237.9 240.4 241.3 238.8 236.7 235.4 236.2 236.8 236.2 11 Security (3) 5.6 5.1 5.2 4.9 5.0 5.1 5.0 5.2 5.5 5.4 5.3 5.5 12 Other loans and leases 63.3 64.3 64.9 64.4 65.2 65.9 66.6 67.2 67.5 67.3 67.7 68.4 13 Interbank loans 60.4 49.1 50.9 50.9 53.6 55.2 54.2 57.4 62.6 61.8 61.0 62.6 14 Cash assets (4) 63.6 64.8 66.0 67.5 68.7 68.6 69.0 69.8 69.7 70.9 67.7 69.4 15 Other assets (5) 50.1 55.8 57.1 56.3 56.9 58.5 57.1 59.2 66.9 66.4 64.4 68.1 16 TOTAL ASSETS (6) 1,516.0 1,563.9 1,574.7 1,580.1 1,593.2 1,604.4 1,611.7 1,622.0 1,640.9 1,641.4 1,642.2 1,648.5 L I A B I L I T I E S 17 Deposits 1,193.8 1,226.5 1,235.1 1,216.9 1,229.6 1,233.9 1,248.2 1,261.6 1,282.7 1,278.6 1,270.2 1,276.5 18 Transaction 332.4 320.8 321.1 314.5 316.6 315.6 315.2 316.4 319.0 317.1 316.3 321.4 19 Nontransaction 861.4 905.7 913.9 902.4 913.0 918.3 933.0 945.3 963.6 961.4 953.9 955.2 20 Large time 147.2 152.2 152.1 143.2 145.7 147.2 148.7 150.2 151.5 152.1 151.7 151.1 21 Other 714.2 753.5 761.9 759.2 767.3 771.1 784.3 795.1 812.2 809.3 802.3 804.1 22 Borrowings 138.0 159.7 161.8 165.3 167.8 169.1 170.2 171.8 174.9 178.6 183.5 176.3 23 From banks in the U.S. 76.4 82.8 83.9 86.9 87.7 85.7 87.1 87.2 89.4 90.7 93.5 86.8 24 From others 61.6 76.9 78.0 78.4 80.2 83.4 83.1 84.6 85.5 87.9 90.0 89.5 25 Net due to related foreign offices 6.1 4.4 5.9 3.4 2.2 2.7 4.0 4.0 3.6 3.6 3.5 3.5 26 Other liabilities 31.8 26.8 26.6 28.7 29.0 29.3 28.0 28.0 27.8 27.9 28.6 27.9 27 TOTAL LIABILITIES 1,369.6 1,417.4 1,429.4 1,414.2 1,428.6 1,435.0 1,450.5 1,465.5 1,489.0 1,488.7 1,485.7 1,484.3 28 Residual (assets less liabilities) (7) 146.4 146.5 145.3 165.9 164.6 169.5 161.3 156.6 151.9 152.7 156.5 164.2 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 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,356.2 1,414.5 1,425.5 1,428.6 1,436.3 1,445.5 1,450.2 1,450.8 1,455.8 1,457.1 1,464.5 1,465.7 2 Securities in bank credit 404.5 414.1 415.8 412.6 410.6 411.9 414.9 413.5 415.0 416.4 420.2 421.5 3 U.S. government securities 325.8 334.1 335.7 332.3 330.4 331.8 333.8 333.0 334.1 335.2 338.7 339.6 4 Other securities 78.8 80.0 80.0 80.2 80.2 80.1 81.1 80.5 80.8 81.2 81.5 81.9 5 Loans and leases in bank credit (2) 951.7 1,000.4 1,009.8 1,016.0 1,025.7 1,033.6 1,035.3 1,037.3 1,040.8 1,040.7 1,044.3 1,044.2 6 Commercial and industrial 171.3 178.0 179.8 181.0 182.7 184.9 186.3 188.0 189.4 189.5 190.6 190.8 7 Real estate 488.6 518.7 523.3 525.8 530.7 534.8 538.7 541.3 544.5 545.4 547.8 548.4 8 Revolving home equity 25.9 27.0 27.7 29.3 29.7 30.1 30.4 30.6 30.9 30.9 31.0 30.9 9 Other 462.7 491.7 495.6 496.5 501.0 504.7 508.4 510.7 513.7 514.5 516.8 517.4 10 Consumer 224.6 232.7 235.1 238.6 241.1 242.2 239.8 237.5 234.2 234.2 234.7 234.0 11 Security (3) 5.8 5.1 5.1 4.8 5.3 5.3 5.1 5.3 5.8 5.5 5.2 5.1 12 Other loans and leases 61.4 65.9 66.4 65.8 66.0 66.5 65.4 65.2 66.8 66.1 66.1 65.9 13 Interbank loans 62.7 48.1 49.2 51.1 58.4 58.2 55.5 59.4 68.0 64.2 58.7 56.7 14 Cash assets (4) 62.9 62.5 64.5 68.6 71.4 72.3 71.1 69.1 68.9 68.6 65.4 65.5 15 Other assets (5) 51.3 55.9 57.6 56.1 57.4 59.2 58.1 60.5 67.5 64.6 62.3 65.9 16 TOTAL ASSETS (6) 1,513.3 1,560.4 1,576.0 1,583.8 1,602.9 1,614.5 1,614.3 1,619.2 1,639.7 1,634.1 1,630.4 1,633.3 L I A B I L I T I E S 17 Deposits 1,183.9 1,223.6 1,237.2 1,219.2 1,237.1 1,247.1 1,245.8 1,252.0 1,280.7 1,274.1 1,262.1 1,264.1 18 Transaction 328.1 317.4 320.4 315.0 320.2 326.6 318.9 312.6 319.5 314.3 309.9 310.1 19 Nontransaction 855.8 906.2 916.8 904.1 916.9 920.4 926.9 939.4 961.2 959.8 952.2 954.0 20 Large time 147.8 151.9 151.9 143.6 146.1 146.3 147.4 150.8 152.0 152.8 152.3 152.2 21 Other 708.0 754.3 764.9 760.5 770.9 774.1 779.5 788.6 809.2 807.0 799.9 801.8 22 Borrowings 137.6 157.8 161.5 165.4 166.3 168.5 171.9 170.4 167.4 168.7 172.1 174.5 23 From banks in the U.S. 75.7 82.6 84.6 86.3 85.8 85.1 86.8 85.2 82.7 83.5 85.0 86.2 24 From others 61.9 75.2 76.8 79.1 80.5 83.4 85.1 85.1 84.6 85.1 87.0 88.3 25 Net due to related foreign offices 6.1 4.4 5.9 3.4 2.2 2.7 4.0 4.0 3.6 3.6 3.5 3.5 26 Other liabilities 32.3 27.0 26.3 28.7 28.9 28.8 28.3 28.5 28.1 28.3 28.8 28.7 27 TOTAL LIABILITIES 1,360.0 1,412.8 1,430.8 1,416.6 1,434.4 1,447.1 1,450.0 1,454.8 1,479.8 1,474.8 1,466.4 1,470.8 MEMO 28 Residual (assets less liabilities) (7) 153.3 147.6 145.2 167.2 168.4 167.4 164.3 164.4 160.0 159.4 164.0 162.5 31 Mortgage-backed securities (9) -- -- -- 48.4 48.6 49.3 50.8 50.4 50.1 50.1 50.7 51.0 H.8 (510) pg.9 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 451.4 464.4 467.5 480.5 493.8 505.1 516.9 532.7 530.2 530.6 524.5 535.8 2 Securities in bank credit 146.7 147.5 146.5 148.6 157.8 164.4 170.2 176.7 170.5 171.3 168.0 178.0 3 U.S. government securities 70.9 80.9 82.9 82.6 87.0 87.6 81.7 85.2 84.4 81.6 80.9 84.1 4 Other securities 75.8 66.6 63.6 65.9 70.8 76.9 88.4 91.5 86.0 89.6 87.1 93.9 5 Loans and leases in bank credit (2) 304.8 316.9 321.0 331.9 336.0 340.7 346.8 356.0 359.7 359.3 356.5 357.7 6 Commercial and industrial 184.0 194.3 200.6 205.9 208.1 213.1 214.9 218.2 219.1 219.1 217.9 218.3 7 Real estate 34.4 33.1 32.8 32.7 32.4 32.0 32.0 32.3 32.3 32.1 32.1 32.0 11 Security (3) 35.6 29.8 29.1 32.9 35.0 36.2 38.0 39.6 42.1 40.0 39.2 40.6 12 Other loans and leases 50.8 59.7 58.5 60.4 60.4 59.4 61.8 65.8 66.2 68.1 67.3 66.8 13 Interbank loans 18.9 16.4 20.3 20.6 20.2 21.8 23.4 22.3 18.5 25.0 25.3 26.2 14 Cash assets (4) 29.1 28.5 29.5 29.7 30.9 31.1 31.2 33.1 35.5 34.0 31.5 32.3 15 Other assets (5) 49.0 43.7 41.0 33.7 36.2 37.0 38.8 42.2 46.0 43.4 41.4 40.4 16 TOTAL ASSETS (6) 548.3 553.0 558.2 564.4 580.9 594.7 610.0 630.1 630.0 632.8 622.5 634.4 L I A B I L I T I E S 17 Deposits 168.4 180.3 186.0 197.4 203.9 219.5 226.9 240.9 251.0 246.5 244.3 244.4 18 Transaction 10.4 10.5 9.7 10.4 10.2 10.2 10.4 9.9 10.3 10.6 11.1 10.8 19 Nontransaction 158.0 169.8 176.2 187.0 193.7 209.3 216.5 230.9 240.6 235.9 233.2 233.6 20 Large time 154.1 166.7 172.8 184.4 190.0 205.1 216.4 228.6 234.6 232.0 231.8 232.0 21 Other 3.8 3.1 3.4 2.6 3.7 4.2 0.1 2.3 6.1 3.9 1.4 1.6 22 Borrowings 118.7 128.6 122.8 117.5 125.7 121.7 131.0 144.5 146.7 139.5 138.1 150.4 23 From banks in the U.S. 30.2 34.6 34.0 32.4 33.2 32.9 28.3 34.4 40.6 31.7 33.1 39.9 24 From others 88.4 94.1 88.8 85.1 92.4 88.8 102.7 110.1 106.1 107.8 105.0 110.6 25 Net due to related foreign offices 180.2 173.2 176.3 167.7 167.1 162.3 150.9 140.4 138.4 145.7 146.4 134.8 26 Other liabilities 77.7 69.4 68.7 74.6 80.0 82.8 89.9 99.6 98.0 97.2 91.5 91.6 27 TOTAL LIABILITIES 544.8 551.5 553.7 557.2 576.7 586.4 598.8 625.3 634.1 628.9 620.3 621.2 28 Residual (assets less liabilities) (7) 3.5 1.4 4.5 7.2 4.2 8.3 11.3 4.8 -4.0 3.9 2.2 13.2 H.8 (510) pg.10 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars Account 1996 1996 1996 1996 1996 1996 1997 1997 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 5 Mar 12 Mar 19 Mar 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 451.3 467.9 466.2 479.2 493.4 501.1 513.9 533.3 534.9 531.6 526.7 527.6 2 Securities in bank credit 146.8 150.7 145.4 148.5 157.5 158.0 166.0 177.6 175.5 174.0 170.9 171.7 3 U.S. government securities 71.7 82.4 81.8 82.1 87.0 85.1 82.7 87.0 87.7 85.2 85.5 85.9 3a Trading account -- -- -- 18.7 21.8 19.9 17.0 21.4 21.1 20.2 19.0 18.8 3b Investment account -- -- -- 63.4 65.2 65.3 65.7 65.6 66.6 65.0 66.4 67.1 4 Other securities 75.1 68.3 63.5 66.3 70.5 72.9 83.3 90.7 87.8 88.9 85.4 85.9 4a Trading account -- -- -- 47.9 51.6 54.0 61.4 67.9 64.9 65.5 62.3 62.2 4b Investment account -- -- -- 18.4 18.9 18.9 22.0 22.7 22.9 23.4 23.1 23.7 5 Loans and leases in bank credit (2) 304.5 317.2 320.8 330.7 335.9 343.0 347.9 355.7 359.5 357.6 355.8 355.9 6 Commercial and industrial 184.0 194.4 199.4 204.7 207.9 213.5 214.8 218.2 218.6 218.1 218.0 217.2 7 Real estate 34.5 33.1 32.9 32.9 32.9 32.2 32.0 32.4 32.5 32.3 32.3 31.8 11 Security (3) 35.6 29.8 29.1 32.9 35.0 36.2 38.0 39.6 42.1 40.0 39.2 40.6 12 Other loans and leases 50.5 59.9 59.4 60.2 60.1 61.2 63.1 65.5 66.4 67.3 66.3 66.3 13 Interbank loans 18.9 16.4 20.3 20.6 20.2 21.8 23.4 22.3 18.5 25.0 25.3 26.2 14 Cash assets (4) 28.4 28.5 28.8 30.1 31.1 32.2 31.6 32.4 34.5 33.2 31.0 32.2 15 Other assets (5) 49.9 44.5 41.5 33.4 36.5 37.7 38.0 43.0 46.9 44.0 40.0 39.4 16 TOTAL ASSETS (6) 548.5 557.2 556.7 563.1 581.0 592.6 606.7 630.8 634.6 633.6 622.7 625.1 L I A B I L I T I E S 17 Deposits 166.5 178.8 185.5 202.7 206.5 222.2 227.1 237.7 247.8 246.2 245.7 246.4 18 Transaction 10.6 10.3 10.1 10.4 10.2 10.9 10.4 10.1 10.1 10.3 10.7 10.8 19 Nontransaction 155.9 168.5 175.4 192.3 196.3 211.3 216.6 227.5 237.7 236.0 235.0 235.7 20 Large time 151.1 166.2 173.1 190.0 193.9 208.5 214.4 223.7 231.2 231.5 232.6 233.0 21 Other 4.8 2.3 2.3 2.3 2.4 2.8 2.2 3.8 6.5 4.4 2.4 2.6 22 Borrowings 113.3 133.6 123.9 114.2 122.2 120.6 127.8 137.9 143.5 133.9 134.9 137.5 23 From banks in the U.S. 28.4 35.1 33.3 29.9 33.3 33.6 29.3 32.2 38.7 30.2 32.7 35.2 24 From others 84.8 98.5 90.6 84.3 88.9 87.0 98.5 105.7 104.8 103.7 102.2 102.4 25 Net due to related foreign offices 185.8 171.2 174.3 167.6 166.8 163.9 159.6 149.5 137.5 150.3 148.7 148.7 26 Other liabilities 79.6 69.8 68.6 73.1 80.6 81.5 89.1 102.0 100.7 98.8 90.4 89.3 27 TOTAL LIABILITIES 545.1 553.3 552.3 557.6 576.0 588.2 603.6 627.1 629.6 629.2 619.7 621.9 28 Residual (assets less liabilities) (7) 3.3 3.9 4.4 5.5 4.9 4.3 3.1 3.7 5.0 4.4 3.0 3.2 MEMO 29 Reval. gains on off-bal. sheet items (8) -- -- -- 29.9 32.4 33.4 41.6 47.0 45.0 44.5 42.7 42.0 30 Reval. losses on off-bal. sheet items (8) -- -- -- 29.3 31.5 32.5 40.8 47.2 45.3 44.5 42.9 42.0 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 March 26, 1997. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta ASSETS 1 Bank credit 1,864.2 93.5 356.8 98.9 163.3 188.6 210.1 2 Securities in bank credit (14) 420.1 3 U.S. government securities (14) 287.3 3a Trading account (14) 17.8 3b Investment account 269.5 16.9 80.1 5.0 22.9 31.7 29.1 3c Mortgage-backed 175.1 7.4 57.0 1.9 18.0 19.6 19.1 3d Other 94.4 9.6 23.0 3.1 4.9 12.1 10.0 3e 1 year or less 25.4 3.6 3.5 0.9 0.5 3.5 2.6 3f Between 1 and 5 years 52.2 5.3 12.8 1.7 3.3 7.2 6.2 3g More than 5 years 16.8 0.7 6.7 0.4 1.1 1.5 1.1 4 Other securities (14) 132.8 4a Trading account (14) 66.7 4b Investment account 66.1 5.5 21.0 1.8 6.1 5.0 8.2 4c State and local government 20.7 1.9 7.3 0.5 0.6 1.0 2.0 4d Other 45.4 3.6 13.7 1.4 5.6 3.9 6.2 5 Loans and leases in bank credit (2) 1,444.1 71.0 255.8 92.1 134.2 151.9 172.8 6 Commerical and industrial 399.2 26.9 67.4 15.5 39.7 36.4 40.6 6a Bankers accep and commercial paper 1.6 0.1 0.7 0.0 0.0 0.0 0.0 6b Other 397.6 26.8 66.7 15.5 39.7 36.4 40.6 7 Real estate 565.4 21.0 101.8 27.5 48.2 75.9 82.1 8 Revolving home equtiy 55.7 3.1 7.9 3.3 5.7 7.0 6.0 9a Other residential 327.6 9.8 65.8 19.7 28.4 46.3 47.7 9b Commercial 182.0 8.1 28.2 4.6 14.2 22.6 28.4 10 Consumer 283.7 7.0 36.0 42.2 30.8 19.9 36.9 11 Security (3) 44.5 6.9 18.3 0.1 1.3 4.3 1.4 11a Fed funds and RPs with broker/dealer 27.3 6.4 9.4 0.0 0.2 4.1 1.0 11b Other 17.2 0.4 8.9 0.1 1.1 0.2 0.4 12a State and local government 11.0 0.2 1.5 0.8 1.2 2.1 2.1 12b Agricultural 7.6 0.0 0.1 0.1 0.2 0.6 0.5 12c Fed funds and RPs with others 5.8 0.4 2.3 0.0 0.2 1.5 0.4 12d All other loans 59.7 3.8 15.4 1.4 2.5 4.8 3.3 12e Lease financing receivables 67.3 4.8 12.9 4.5 10.0 6.2 5.5 13 Interbank loans 128.5 5.5 44.9 3.1 8.9 11.4 12.1 13a Fed funds and RPs with banks 82.4 2.4 26.4 3.0 5.7 8.2 10.1 13b Other 46.1 3.2 18.5 0.1 3.2 3.2 2.1 14 Cash assets(4) 123.9 6.3 26.7 4.4 8.5 9.7 12.4 15 Other assets (12) 200.2 14.4 112.7 14.6 13.7 31.7 15.0 16 TOTAL ASSETS (6) 2,281.8 118.2 529.7 118.8 191.5 239.0 246.7 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 March 26, 1997. Federal Reserve Distict National ___________________________________________________________ total Boston New York Philadelphia Cleveland Richmond Atlanta 17 Deposits 1,358.3 63.2 278.0 66.7 117.1 125.5 171.9 18 Transaction 357.1 21.0 67.3 14.8 26.1 28.2 36.2 19 Nontransaction 1,001.2 42.2 210.7 51.9 91.0 97.4 135.7 20 Large time 156.0 5.9 45.7 11.1 9.3 13.3 18.6 21 Other 845.1 36.3 165.0 40.9 81.7 84.1 117.1 22 Borrowings 438.8 28.9 84.5 30.4 47.5 63.4 40.0 23 From banks in the U.S. 185.3 9.5 21.2 15.2 19.5 28.5 22.1 24 From others 253.5 19.4 63.4 15.1 28.0 35.0 17.9 26 Other liabilities (13) 255.3 15.6 99.9 9.3 12.3 32.8 13.5 27 TOTAL LIABILITIES 2,052.3 107.7 462.5 106.4 177.0 221.8 225.5 28 Residual (assets less liabilities (13) 229.4 10.5 67.2 12.5 14.6 17.3 21.2 MEMO 29 Reval. gains on off-bal. sheet items (8,14) 47.5 30 Reval. losses on off-bal. sheet items (8,14) 40.2 31 Mortgage-backed securities (9) 194.0 8.1 61.6 3.3 19.6 21.0 22.0 31a Pass-through 136.7 5.8 48.7 1.8 12.5 17.4 13.9 31b CMO, REMIC and other 57.3 2.3 12.9 1.5 7.1 3.6 8.1 32 Net unrealized ganis (losses) 2.7 on available-for-sale securities (10,14) 33 Offshore credit to U.S. residents (11,14) 32.8 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 March 26, 1997. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansac City Dallas San Francisco ASSETS 1 Bank credit 196.7 40.3 40.3 24.7 70.0 296.5 2 Securities in bank credit (14) 3 U.S. government securities (14) 3a Trading account (14) 3b Investment account (14) 28.4 5.9 3.8 5.3 12.4 27.9 3c Mortgage-backed 13.1 3.4 2.1 3.9 10.3 19.3 3d Other 15.3 2.5 1.7 1.5 2.2 8.6 3e 1 year or less 7.7 0.4 0.0 0.3 0.2 2.1 3f Between 1 and 5 years 5.8 1.7 0.3 1.1 1.7 5.1 3g More than 5 years 1.8 0.4 1.4 0.0 0.3 1.4 4 Other securities (14) 4a Trading account (14) 4b Investment accout (14) 6.5 1.1 0.6 0.8 2.1 7.5 4c State and local government 3.5 0.7 0.2 0.6 0.6 1.7 4d Other 2.9 0.3 0.4 0.2 1.5 5.7 5 Loans and leases in bank credit (2) 161.8 33.4 35.9 18.6 55.5 261.2 6 Commerical and industrial 68.8 8.6 8.9 5.0 25.2 56.2 6a Bankers accep and commercial paper 0.3 0.0 0.0 0.0 0.0 0.4 6b Other 68.5 8.6 8.9 5.0 25.2 55.8 7 Real estate 49.2 14.8 7.1 6.8 14.0 116.9 8 Revolving home equtiy 5.1 1.3 0.4 0.4 0.3 15.3 9a Other residential 22.4 9.7 4.4 3.5 9.2 60.7 9b Commercial 21.7 3.8 2.2 2.9 4.5 40.9 10 Consumer 24.1 5.2 15.4 4.6 10.0 51.5 11 Security (3) 4.2 2.7 1.5 0.0 0.9 2.7 11a Fed funds and RPs with broker/dealer 1.0 2.4 1.0 0.0 0.6 1.2 11b Other 3.3 0.3 0.5 0.0 0.3 1.5 12a State and local government 1.2 0.2 0.1 0.1 0.2 1.4 12b Agricultural 0.5 0.1 0.2 0.5 0.2 4.5 12c Fed funds and RPs with others 0.6 0.0 0.0 0.0 0.1 0.2 12d All other loans 8.6 0.8 1.6 1.3 3.7 12.4 12e Lease financing receivables 4.5 1.0 0.9 0.3 1.3 15.3 13 Interbank loans 7.6 5.2 3.7 2.2 6.9 17.0 13a Fed funds and RPs with banks 7.1 5.2 3.5 1.9 3.7 5.3 13b Other 0.5 0.1 0.2 0.3 3.2 11.6 14 Cash assets(4) 15.6 2.6 2.7 3.1 11.0 20.9 15 Other assets (12) 21.6 5.1 3.0 2.7 6.5 43.6 16 TOTAL ASSETS 238.5 52.8 48.9 32.4 93.6 371.7 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 March 26, 1997. Federal Reserve Distict ______________________________________________________________________ Chicago St.Louis Minneapolis Kansas City Dallas San Francisco 17 Deposits 140.1 29.4 21.9 23.9 66.0 254.6 18 Transaction 40.1 6.7 7.3 6.7 19.8 82.8 19 Nontransaction 100.0 22.6 14.5 17.2 46.2 171.7 20 Large time 18.3 2.6 1.2 1.4 4.6 24.1 21 Other 81.7 20.1 13.4 15.8 41.6 147.7 22 Borrowings 49.8 15.5 16.6 3.8 14.0 44.3 23 From banks in the U.S. 15.5 12.0 12.8 2.3 4.7 22.1 24 From others 34.3 3.6 3.8 1.5 9.4 22.1 26 Other liabilities (13) 26.6 2.7 5.8 1.0 5.2 30.5 27 TOTAL LIABILITIES 216.5 47.6 44.3 28.7 85.3 329.3 28 Residual (assets less liabilities (13) 22.0 5.2 4.5 3.8 8.3 42.4 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) 15.1 3.5 2.2 3.9 11.1 22.7 31a Pass-through 7.8 1.9 1.9 3.0 9.2 12.8 31b CMO, REMIC and other 7.3 1.6 0.2 0.9 1.9 9.8 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.