Federal Reserve Statistical Release, H.8, Assets and Liabilities of Commercial Banks in the United States; title with eagle logo links to Statistical Release home page

Release Date: October 2, 1998

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H.8 (510)
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)                                                                              For use at 4:15 p.m. Eastern Time



Seasonally adjusted, billions of dollars                                                                                                                           October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,982.6   4,183.3   4,223.7   4,221.6   4,248.6   4,258.5   4,276.4   4,333.9       4,376.1   4,368.4   4,379.8   4,388.8

  2     Securities in bank credit                        1,033.1   1,108.6   1,126.4   1,106.2   1,121.5   1,115.2   1,123.1   1,147.7       1,163.6   1,161.8   1,160.3   1,167.6
  3        U.S. government securities                      714.9     768.0     779.7     763.1     769.8     752.9     756.9     766.9         776.1     763.6     752.9     761.3
  4        Other securities                                318.2     340.6     346.7     343.0     351.7     362.3     366.2     380.8         387.5     398.3     407.4     406.3

  5     Loans and leases in bank credit (2)              2,949.5   3,074.7   3,097.3   3,115.4   3,127.1   3,143.3   3,153.3   3,186.1       3,212.5   3,206.6   3,219.5   3,221.1
  6        Commercial and industrial                       828.4     871.1     872.8     870.9     879.5     889.6     894.8     903.2         910.4     910.5     918.1     919.2
  7        Real estate                                   1,204.8   1,250.2   1,263.2   1,271.5   1,272.9   1,272.3   1,274.2   1,280.7       1,284.5   1,284.9   1,282.2   1,276.4
  8          Revolving home equity                          94.3      98.0      98.1      98.3      97.8      97.7      97.4      97.3          97.7      97.9      97.8      98.3
  9          Other                                       1,110.5   1,152.2   1,165.0   1,173.2   1,175.0   1,174.6   1,176.8   1,183.4       1,186.8   1,187.0   1,184.3   1,178.1
  10       Consumer                                        518.2     502.3     502.4     505.7     505.8     502.6     496.6     494.2         494.7     493.2     495.2     499.2
  11       Security (3)                                     94.6     118.9     118.3     116.8     121.4     127.7     130.7     138.0         140.3     137.8     137.9     140.9
  12       Other loans and leases                          303.5     332.2     340.7     350.5     347.4     351.1     357.0     370.0         382.7     380.1     386.2     385.4

  13  Interbank loans                                      191.0     198.6     215.4     211.8     200.5     216.7     212.1     206.8         209.2     215.9     207.9     215.0

  14  Cash assets (4)                                      261.8     269.2     281.0     274.1     255.9     255.9     248.4     256.7         242.6     268.7     251.9     250.6

  15  Other assets (5)                                     290.0     293.6     285.4     298.8     305.1     306.4     304.2     304.6         312.4     309.4     306.5     306.8

  16  TOTAL ASSETS (6)                                   4,668.8   4,888.0   4,948.5   4,948.9   4,952.6   4,980.0   4,983.7   5,045.0       5,083.2   5,105.5   5,089.2   5,103.9

            L I A B I L I T I E S

  17  Deposits                                           3,033.4   3,154.4   3,194.0   3,207.4   3,201.3   3,219.0   3,192.6   3,220.8       3,234.2   3,242.0   3,235.4   3,224.8
  18    Transaction                                        699.3     688.2     698.3     696.9     688.0     683.5     668.0     668.6         651.1     665.9     668.1     672.5
  19    Nontransaction                                   2,334.0   2,466.1   2,495.7   2,510.5   2,513.4   2,535.4   2,524.6   2,552.2       2,583.2   2,576.1   2,567.3   2,552.2
  20       Large time                                      604.0     659.3     675.8     673.1     673.5     683.1     664.7     676.2         684.2     682.8     683.5     680.1
  21       Other                                         1,730.0   1,806.8   1,820.0   1,837.4   1,839.8   1,852.3   1,859.9   1,876.0       1,899.0   1,893.2   1,883.9   1,872.1

  22  Borrowings                                           756.5     829.1     860.1     875.4     868.5     867.4     867.2     870.9         892.8     893.8     877.3     891.2
  23    From banks in the U.S.                             291.7     292.1     306.9     307.3     285.8     293.6     294.8     298.8         306.2     313.5     302.9     296.0
  24    From others                                        464.8     537.0     553.1     568.2     582.7     573.8     572.4     572.1         586.5     580.3     574.3     595.3

  25  Net due to related foreign offices                   207.3     223.0     201.4     175.5     168.3     164.8     180.5     196.0         189.9     198.4     203.3     194.3

  26  Other liabilities                                    285.2     296.5     285.8     284.6     289.6     299.8     309.7     317.5         322.1     324.9     320.5     330.3

  27  TOTAL LIABILITIES                                  4,282.3   4,502.9   4,541.3   4,542.9   4,527.7   4,550.9   4,549.9   4,605.2       4,639.0   4,659.1   4,636.5   4,640.6

  28  Residual (assets less liabilities) (7)               386.5     385.0     407.2     406.0     424.9     429.1     433.8     439.8         444.1     446.4     452.6     463.3      



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 2
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                       October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,973.3   4,180.8   4,214.4   4,226.3   4,243.4   4,259.8   4,270.5   4,320.7       4,369.4   4,350.6   4,368.8   4,371.4

  2     Securities in bank credit                        1,026.7   1,112.1   1,128.0   1,117.1   1,126.1   1,118.1   1,117.5   1,139.5       1,159.1   1,153.6   1,146.0   1,152.8
  3        U.S. government securities                      711.5     766.9     783.0     771.5     774.4     755.3     753.1     762.1         772.0     759.9     748.1     755.0
  4        Other securities                                315.2     345.2     345.0     345.6     351.8     362.8     364.5     377.4         387.0     393.7     397.9     397.8

  5     Loans and leases in bank credit (2)              2,946.6   3,068.6   3,086.5   3,109.2   3,117.3   3,141.7   3,153.0   3,181.2       3,210.3   3,197.0   3,222.8   3,218.6
  6        Commercial and industrial                       823.1     871.0     876.3     878.4     885.0     892.3     894.4     897.2         902.4     900.4     912.8     914.6
  7        Real estate                                   1,207.9   1,244.9   1,256.6   1,265.0   1,266.6   1,269.8   1,276.3   1,284.3       1,288.1   1,289.9   1,288.0   1,279.8
  8          Revolving home equity                          94.4      97.6      97.1      97.4      97.5      97.4      97.4      97.5          98.0      98.3      98.5      99.0
  9          Other                                       1,113.5   1,147.3   1,159.5   1,167.6   1,169.1   1,172.5   1,178.9   1,186.9       1,190.1   1,191.6   1,189.4   1,180.8
  10       Consumer                                        519.9     501.8     495.9     500.7     500.6     499.8     494.7     495.8         498.0     495.5     498.4     502.3
  11       Security (3)                                     91.6     120.4     119.2     118.3     121.0     127.7     128.6     133.5         136.3     131.4     138.2     138.5
  12       Other loans and leases                          304.1     330.5     338.5     346.8     344.1     352.1     359.1     370.4         385.5     379.9     385.5     383.5

  13  Interbank loans                                      185.2     201.6     214.9     214.6     196.1     213.4     205.8     199.7         207.8     216.1     203.1     202.9

  14  Cash assets (4)                                      249.1     269.3     269.4     269.4     251.5     250.8     244.0     244.2         252.1     271.6     248.7     240.9

  15  Other assets (5)                                     292.1     294.7     285.2     297.1     304.6     304.8     305.5     306.7         316.9     313.2     306.9     305.8

  16  TOTAL ASSETS (6)                                   4,642.6   4,889.8   4,927.2   4,950.3   4,938.1   4,971.3   4,968.3   5,013.9       5,088.5   5,094.0   5,070.1   5,063.6

            L I A B I L I T I E S

  17  Deposits                                           3,022.8   3,141.6   3,184.7   3,206.9   3,184.8   3,211.0   3,185.1   3,210.6       3,257.6   3,265.5   3,244.9   3,198.6
  18    Transaction                                        685.6     681.5     685.9     702.1     676.1     678.6     663.1     655.2         665.9     672.2     667.4     645.7
  19    Nontransaction                                   2,337.2   2,460.0   2,498.8   2,504.8   2,508.7   2,532.4   2,522.0   2,555.4       2,591.7   2,593.3   2,577.5   2,552.9
  20       Large time                                      602.9     658.3     673.2     667.6     673.8     680.8     661.4     675.3         683.9     683.3     684.4     682.6
  21       Other                                         1,734.3   1,801.8   1,825.6   1,837.2   1,834.9   1,851.6   1,860.6   1,880.2       1,907.7   1,910.0   1,893.1   1,870.4

  22  Borrowings                                           750.1     829.7     851.9     875.4     873.9     874.7     869.0     862.2         886.8     877.4     879.2     911.6
  23    From banks in the U.S.                             288.2     293.1     304.5     306.6     286.9     295.5     294.1     294.3         302.9     305.7     301.4     300.9
  24    From others                                        461.9     536.7     547.5     568.8     587.0     579.2     574.9     567.9         583.8     571.6     577.9     610.7

  25  Net due to related foreign offices                   206.5     221.1     199.7     174.8     178.7     172.2     183.8     197.3         192.3     195.6     200.0     200.0

  26  Other liabilities                                    285.2     297.6     286.1     283.8     289.2     299.0     309.0     317.5         322.1     325.0     319.9     329.7

  27  TOTAL LIABILITIES                                  4,264.7   4,490.1   4,522.5   4,540.9   4,526.6   4,556.9   4,546.9   4,587.6       4,658.8   4,663.5   4,644.0   4,639.8

  28  Residual (assets less liabilities) (7)               377.9     399.7     404.7     409.4     411.5     414.3     421.4     426.3         429.8     430.6     426.1     423.8

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              90.7      87.5      87.3      83.4      85.6      92.6      92.6      95.5         100.5     107.9     107.8     113.3
  30  Reval. losses on off-bal. sheet items (8)             92.2      90.0      89.5      84.5      85.2      91.1      91.0      96.9         100.7     108.1     109.7     115.7



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                           October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,447.0   3,614.3   3,657.8   3,663.8   3,684.0   3,690.1   3,702.4   3,742.0       3,769.9   3,766.3   3,767.3   3,781.0

  2     Securities in bank credit                          856.9     915.6     929.6     915.2     927.7     919.4     926.5     940.4         950.1     953.1     951.0     961.0
  3        U.S. government securities                      633.0     683.9     691.8     674.8     681.4     666.0     667.1     674.4         683.5     681.1     673.9     682.2
  4        Other securities                                223.9     231.7     237.7     240.4     246.3     253.4     259.4     266.0         266.6     272.0     277.1     278.7

  5     Loans and leases in bank credit (2)              2,590.2   2,698.8   2,728.2   2,748.6   2,756.2   2,770.7   2,776.0   2,801.6       2,819.8   2,813.2   2,816.3   2,820.0
  6        Commercial and industrial                       606.3     648.6     652.6     656.7     665.9     674.3     676.4     683.8         686.9     688.9     691.6     692.0
  7        Real estate                                   1,176.2   1,224.3   1,238.5   1,247.8   1,249.8   1,249.4   1,251.6   1,258.3       1,262.2   1,262.5   1,259.7   1,254.2
  8          Revolving home equity                          94.3      98.0      98.1      98.3      97.8      97.7      97.4      97.3          97.7      97.9      97.8      98.3
  9          Other                                       1,081.9   1,126.3   1,140.4   1,149.5   1,151.9   1,151.7   1,154.2   1,160.9       1,164.5   1,164.6   1,161.9   1,155.9
  10       Consumer                                        518.2     502.3     502.4     505.7     505.8     502.6     496.6     494.2         494.7     493.2     495.2     499.2
  11       Security (3)                                     51.2      62.9      67.8      63.5      61.8      67.4      69.4      73.1          75.0      69.6      68.5      73.8
  12       Other loans and leases                          238.3     260.7     267.0     274.9     272.9     277.1     282.0     292.3         301.1     299.0     301.3     300.9

  13  Interbank loans                                      172.6     174.2     194.9     191.4     180.2     193.9     191.0     185.3         186.0     185.9     184.0     184.7

  14  Cash assets (4)                                      227.8     236.5     246.9     238.8     221.3     220.8     213.6     223.1         209.2     235.0     217.5     215.4

  15  Other assets (5)                                     246.4     252.1     248.1     261.5     269.6     270.7     268.8     267.6         273.2     270.8     267.4     266.6

  16  TOTAL ASSETS (6)                                   4,037.5   4,220.7   4,290.9   4,298.3   4,297.8   4,318.2   4,318.7   4,361.2       4,381.4   4,401.3   4,379.4   4,390.8

            L I A B I L I T I E S

  17  Deposits                                           2,771.1   2,869.9   2,905.7   2,915.6   2,907.5   2,917.6   2,897.2   2,916.9       2,923.1   2,927.5   2,921.6   2,910.4
  18    Transaction                                        688.2     678.1     687.7     685.8     677.4     673.1     655.1     657.5         637.9     651.3     653.6     656.7
  19    Nontransaction                                   2,082.9   2,191.8   2,218.0   2,229.7   2,230.1   2,244.6   2,242.1   2,259.4       2,285.2   2,276.2   2,268.0   2,253.7
  20       Large time                                      353.7     386.7     399.8     393.3     390.3     391.6     382.9     382.3         384.2     380.5     382.1     380.2
  21       Other                                         1,729.2   1,805.1   1,818.3   1,836.5   1,839.9   1,853.0   1,859.2   1,877.1       1,901.0   1,895.6   1,885.9   1,873.5

  22  Borrowings                                           613.5     684.3     706.2     706.5     700.3     694.0     691.1     694.8         707.4     711.1     692.5     706.7
  23    From banks in the U.S.                             260.0     269.5     281.1     280.8     262.1     261.7     266.1     273.1         274.0     283.3     273.0     268.2
  24    From others                                        353.5     414.9     425.0     425.7     438.2     432.4     424.9     421.7         433.4     427.8     419.5     438.5

  25  Net due to related foreign offices                    75.4      88.3      82.9      77.2      71.4      71.9      78.0      91.9          88.4     101.5     105.9     103.1

  26  Other liabilities                                    185.5     199.4     196.7     199.2     201.9     209.0     216.0     218.0         222.7     223.3     216.1     224.1

  27  TOTAL LIABILITIES                                  3,645.4   3,842.0   3,891.5   3,898.5   3,881.2   3,892.5   3,882.3   3,921.5       3,941.6   3,963.5   3,936.2   3,944.3

  28  Residual (assets less liabilities) (7)               392.1     378.7     399.4     399.7     416.6     425.7     436.4     439.7         439.8     437.9     443.2     446.5



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                   Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                       October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,435.4   3,612.2   3,648.5   3,668.5   3,677.2   3,688.4   3,693.6   3,726.3       3,763.3   3,755.3   3,763.2   3,768.5

  2     Securities in bank credit                          846.5     922.0     932.9     924.4     928.5     919.1     918.2     927.8         943.1     946.7     941.0     949.0
  3        U.S. government securities                      628.7     683.6     694.4     684.6     685.4     668.3     663.5     668.8         678.5     677.4     668.8     676.1
  4        Other securities                                217.9     238.4     238.5     239.8     243.1     250.8     254.6     259.0         264.6     269.3     272.2     272.9

  5     Loans and leases in bank credit (2)              2,588.8   2,690.2   2,715.7   2,744.1   2,748.7   2,769.3   2,775.5   2,798.5       2,820.3   2,808.6   2,822.1   2,819.5
  6        Commercial and industrial                       602.0     647.4     655.4     664.1     672.0     677.1     676.2     678.9         681.2     681.4     687.9     688.4
  7        Real estate                                   1,179.4   1,218.8   1,231.9   1,241.5   1,243.6   1,247.1   1,253.9   1,262.0       1,265.9   1,267.6   1,265.6   1,257.6
  8          Revolving home equity                          94.4      97.6      97.1      97.4      97.5      97.4      97.4      97.5          98.0      98.3      98.5      99.0
  9          Other                                       1,085.0   1,121.2   1,134.8   1,144.1   1,146.1   1,149.7   1,156.5   1,164.5       1,167.8   1,169.3   1,167.1   1,158.6
  10       Consumer                                        519.9     501.8     495.9     500.7     500.6     499.8     494.7     495.8         498.0     495.5     498.4     502.3
  11       Security (3)                                     48.9      64.2      67.9      65.6      61.8      67.5      67.8      69.4          71.7      65.0      68.8      71.2
  12       Other loans and leases                          238.7     258.0     264.5     272.1     270.7     277.8     282.9     292.3         303.5     299.1     301.4     300.1

  13  Interbank loans                                      166.8     177.2     194.4     194.2     175.7     190.6     184.7     178.2         184.7     186.0     179.3     172.7

  14  Cash assets (4)                                      215.0     237.2     236.4     235.7     217.2     214.7     209.3     210.6         218.6     238.4     214.9     205.4

  15  Other assets (5)                                     247.5     251.8     247.9     261.8     268.7     270.0     270.5     268.8         276.5     273.6     267.9     266.2

  16  TOTAL ASSETS (6)                                   4,007.9   4,222.1   4,270.7   4,303.4   4,281.7   4,306.4   4,300.9   4,326.7       4,385.7   4,396.1   4,368.0   4,355.6

            L I A B I L I T I E S

  17  Deposits                                           2,761.7   2,859.4   2,895.2   2,916.7   2,888.3   2,907.9   2,891.5   2,907.9       2,947.3   2,952.2   2,931.6   2,881.0
  18    Transaction                                        674.5     671.6     675.4     691.4     665.8     668.1     650.1     644.0         652.6     657.6     652.5     629.0
  19    Nontransaction                                   2,087.2   2,187.7   2,219.8   2,225.3   2,222.5   2,239.8   2,241.4   2,263.9       2,294.7   2,294.6   2,279.0   2,252.0
  20       Large time                                      355.4     387.0     395.2     389.1     388.5     389.2     381.8     384.7         388.0     385.6     386.9     382.6
  21       Other                                         1,731.8   1,800.7   1,824.6   1,836.2   1,834.0   1,850.6   1,859.6   1,879.2       1,906.8   1,909.0   1,892.1   1,869.4

  22  Borrowings                                           607.2     684.9     698.0     706.5     705.8     701.4     692.9     686.0         701.5     694.7     694.4     727.0
  23    From banks in the U.S.                             256.6     270.4     278.7     280.1     263.2     263.6     265.5     268.6         270.7     275.6     271.4     273.1
  24    From others                                        350.6     414.5     419.3     426.4     442.6     437.8     427.4     417.4         430.7     419.1     423.0     453.9

  25  Net due to related foreign offices                    77.9      85.1      82.1      78.0      80.9      80.1      84.9      96.7          92.8     104.3     107.0     107.0

  26  Other liabilities                                    185.5     199.4     196.7     199.2     201.9     209.0     216.0     218.0         222.7     223.3     216.1     224.1

  27  TOTAL LIABILITIES                                  3,632.2   3,828.9   3,872.1   3,900.3   3,876.8   3,898.3   3,885.3   3,908.6       3,964.3   3,974.6   3,949.1   3,939.2

  28  Residual (assets less liabilities) (7)               375.7     393.2     398.7     403.1     404.9     408.0     415.6     418.1         421.4     421.5     418.9     416.4

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              45.1      47.0      47.2      43.9      45.6      50.5      51.0      51.9          55.8      61.1      60.3      64.6
  30  Reval. losses on off-bal. sheet items (8)             46.5      49.2      49.6      45.3      46.3      50.1      50.4      54.2          58.3      63.3      64.3      69.1
  31  Mortgage-backed securities (9)                       256.3     293.8     299.4     293.3     294.8     286.8     289.7     297.2         306.4     306.2     303.5     308.1



      -------------------------------------------------

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H.8 (510)                                                                                                                                                                   Page 5
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                     October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,071.7   2,182.9   2,220.5   2,220.8   2,233.1   2,230.1   2,230.0   2,260.9       2,282.8   2,283.3   2,284.2   2,298.4

  2     Securities in bank credit                          458.8     510.1     521.9     509.1     517.9     510.1     511.9     522.6         532.0     536.2     534.2     542.3
  3        U.S. government securities                      317.3     363.9     372.1     358.8     362.2     348.7     347.3     353.8         362.8     361.7     354.7     361.2
  3a         Trading account                                21.3      28.0      27.5      23.7      24.5      24.6      21.7      23.0          24.0      23.4      20.5      25.6
  3b         Investment account                            296.0     335.9     344.6     335.0     337.7     324.0     325.6     330.8         338.9     338.2     334.2     335.6
  4        Other securities                                141.5     146.3     149.9     150.3     155.7     161.4     164.6     168.9         169.2     174.6     179.4     181.1
  4a         Trading account                                70.2      67.5      70.9      69.4      74.4      78.2      79.6      81.1          79.4      85.0      89.1      92.0
  4b         Investment account                             71.3      78.7      79.0      80.9      81.4      83.2      85.0      87.7          89.8      89.6      90.3      89.0
  4c           State and local government                   22.2      22.7      22.8      23.0      22.8      22.2      22.4      22.6          23.0      23.2      23.1      23.1
  4d           Other                                        49.0      56.0      56.2      58.0      58.6      60.9      62.6      65.1          66.8      66.4      67.2      65.9

  5     Loans and leases in bank credit (2)              1,612.9   1,672.8   1,698.6   1,711.8   1,715.1   1,720.0   1,718.1   1,738.3       1,750.8   1,747.1   1,750.0   1,756.1
  6        Commercial and industrial                       430.6     463.5     467.5     470.3     477.5     484.1     484.7     489.1         490.5     492.2     494.9     495.6
  6a         Bankers acceptances                             1.5       1.3       1.3       1.2       1.3       1.2       1.3       1.3           1.3       1.3       1.3       1.2
  6b         Other                                         429.0     462.3     466.2     469.1     476.2     482.9     483.4     487.8         489.2     490.9     493.7     494.3
  7        Real estate                                     654.5     665.9     677.4     681.6     681.3     674.4     670.6     673.0         673.8     675.0     672.4     668.4
  8          Revolving home equity                          66.4      68.7      68.9      69.3      68.6      68.1      67.7      67.6          67.9      68.0      68.0      68.4
  9          Other                                         588.2     597.2     608.5     612.4     612.7     606.2     603.0     605.4         605.9     607.0     604.4     599.9
  10       Consumer                                        307.4     294.5     296.0     300.1     299.7     296.4     290.9     291.7         292.6     293.4     294.1     297.1
  11       Security (3)                                     46.7      57.2      61.6      57.3      55.9      61.3      63.3      66.9          68.4      63.0      62.1      67.9
  11a        Fed funds and RPs with broker/dealer           30.3      41.2      43.8      39.7      37.6      42.7      44.8      47.9          49.9      43.6      43.5      48.7
  11b        Other                                          16.4      16.0      17.9      17.5      18.3      18.6      18.6      19.0          18.6      19.4      18.6      19.2
  12a      State and local government                       12.0      11.3      11.1      11.1      11.2      11.1      11.0      11.1          11.1      11.2      11.3      11.3
  12b      Agricultural                                      9.3       9.6       9.7       9.8       9.8       9.8       9.7       9.7           9.6       9.7       9.7       9.8
  12c      Fed funds and RPs with others                     6.4       6.1       7.2       7.2       5.6       5.5       8.6       9.7          10.9      11.2      11.9      13.3
  12d      All other loans                                  69.2      79.1      80.7      83.9      81.5      83.9      84.2      89.5          95.1      92.7      94.6      93.7
  12e      Lease financing receivables                      76.8      85.5      87.4      90.5      92.7      93.6      95.0      97.6          98.7      98.7      98.9      99.2

  13  Interbank loans                                      120.6     117.6     130.5     125.7     114.1     124.6     120.2     112.3         110.2     114.0     109.3     112.0
  13a   Fed funds and RPs with banks                        75.8      69.6      81.2      75.2      64.4      73.7      67.1      60.0          58.2      61.5      55.8      59.9
  13b   Other                                               44.8      48.0      49.3      50.4      49.7      51.0      53.1      52.3          52.1      52.5      53.5      52.1

  14  Cash assets (4)                                      158.5     165.3     174.9     165.8     148.2     146.9     141.4     148.7         138.8     159.5     144.7     140.3

  15  Other assets (5)                                     182.4     189.0     186.4     197.3     202.7     200.4     198.0     197.4         203.3     198.5     196.8     194.3

  16  TOTAL ASSETS (6)                                   2,496.1   2,617.8   2,675.1   2,672.1   2,660.6   2,664.6   2,652.3   2,682.6       2,698.3   2,718.7   2,698.3   2,708.2



      -------------------------------------------------

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H.8 (510)                                                                                                                                                                   Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                         October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,535.6   1,590.9   1,619.3   1,621.8   1,606.0   1,602.7   1,578.9   1,586.5       1,589.9   1,593.5   1,586.8   1,568.0
  18    Transaction                                        391.8     383.3     390.0     389.3     381.3     375.1     360.3     362.0         350.5     361.9     360.6     354.6
  19    Nontransaction                                   1,143.9   1,207.6   1,229.3   1,232.5   1,224.7   1,227.5   1,218.6   1,224.5       1,239.4   1,231.6   1,226.2   1,213.4
  20       Large time                                      194.5     215.9     228.6     220.7     216.0     217.4     211.2     209.9         211.2     205.9     205.7     203.8
  21       Other                                           949.4     991.7   1,000.7   1,011.8   1,008.7   1,010.1   1,007.5   1,014.5       1,028.2   1,025.7   1,020.5   1,009.6

  22  Borrowings                                           461.3     526.9     546.3     544.2     536.2     529.1     523.3     527.5         539.8     542.1     524.2     540.8
  23    From banks in the U.S.                             184.3     197.7     209.6     208.8     189.2     187.6     189.2     195.9         197.2     204.3     195.4     193.2
  24    From others                                        277.0     329.2     336.7     335.4     347.0     341.5     334.0     331.6         342.6     337.7     328.9     347.6

  25  Net due to related foreign offices                    70.8      82.2      78.8      73.7      67.6      68.1      74.4      88.2          84.7      97.9     102.5      99.6

  26  Other liabilities                                    158.7     170.8     166.9     169.0     171.3     178.3     184.4     186.7         191.1     191.8     185.3     194.2

  27  TOTAL LIABILITIES                                  2,226.5   2,370.7   2,411.4   2,408.8   2,381.1   2,378.1   2,361.0   2,388.9       2,405.4   2,425.3   2,398.8   2,402.5

  28  Residual (assets less liabilities) (7)               269.6     247.1     263.7     263.3     279.4     286.5     291.3     293.7         292.9     293.4     299.6     305.7



      -------------------------------------------------

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H.8 (510)                                                                                                                                                                   Page 7
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                 October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,060.6   2,189.4   2,215.0   2,219.9   2,219.3   2,223.6   2,223.0   2,245.6       2,276.2   2,272.3   2,276.9   2,280.5

  2     Securities in bank credit                          449.5     518.7     523.9     512.7     514.6     506.7     504.9     511.1         526.2     530.8     524.4     529.6
  3        U.S. government securities                      313.9     365.7     373.5     363.4     362.9     348.3     345.0     348.9         358.7     358.6     349.6     354.3
  3a         Trading account                                21.3      28.4      28.3      23.9      23.7      23.7      21.1      22.8          23.9      24.3      20.8      24.9
  3b         Investment account                            292.6     337.2     345.1     339.6     339.2     324.7     323.9     326.1         334.8     334.3     328.8     329.4
  3c           Mortgage-backed                             191.9     224.0     228.6     222.1     221.8     213.4     214.8     221.5         230.0     229.8     227.5     230.6
  3d           Other                                       100.7     113.3     116.6     117.5     117.4     111.3     109.1     104.7         104.8     104.5     101.4      98.8
  3e             1 year or less                             27.8      29.6      30.4      31.6      30.1      30.2      29.0      27.6          27.2      27.2      26.3      26.7
  3f             Between 1 and 5 years                      51.0      52.2      52.1      51.5      50.0      46.9      49.7      46.7          46.9      44.4      43.0      41.2
  3g             More than 5 years                          22.0      31.4      34.1      34.4      37.2      34.2      30.4      30.3          30.6      32.9      32.1      30.9
  4        Other securities                                135.7     153.1     150.4     149.3     151.6     158.4     159.8     162.2         167.5     172.3     174.8     175.3
  4a         Trading account                                64.8      74.2      71.4      69.0      70.9      75.4      75.5      74.9          77.9      83.0      84.7      87.1
  4b         Investment account                             70.9      78.8      79.0      80.3      80.7      82.9      84.3      87.2          89.6      89.2      90.0      88.2
  4c           State and local government                   22.2      22.7      22.7      22.9      22.7      22.4      22.3      22.7          23.1      23.2      23.2      23.2
  4d           Other                                        48.7      56.1      56.3      57.3      58.0      60.6      62.1      64.6          66.5      66.0      66.9      65.0

  5     Loans and leases in bank credit (2)              1,611.0   1,670.7   1,691.1   1,707.2   1,704.7   1,716.9   1,718.2   1,734.5       1,750.1   1,741.5   1,752.5   1,750.9
  6        Commercial and industrial                       427.7     462.7     469.4     475.4     481.1     485.2     484.8     485.7         486.5     486.6     492.5     492.8
  6a         Bankers acceptances                             1.5       1.2       1.2       1.2       1.2       1.2       1.2       1.3           1.3       1.3       1.3       1.3
  6b         Other                                         426.2     461.5     468.2     474.3     479.9     484.0     483.5     484.4         485.2     485.3     491.2     491.5
  7        Real estate                                     657.4     664.2     673.1     675.7     673.5     671.5     672.9     676.3         677.1     679.2     676.6     669.4
  8          Revolving home equity                          66.6      68.3      68.0      68.2      68.2      67.9      67.8      67.8          68.3      68.4      68.6      68.9
  9a         Other residential                             364.8     366.1     375.5     376.6     374.0     373.5     374.8     377.2         377.1     379.3     375.5     367.6
  9b         Commercial                                    225.9     229.7     229.7     231.0     231.3     230.1     230.4     231.3         231.6     231.5     232.5     233.0
  10       Consumer                                        309.0     294.2     291.4     296.1     295.7     295.2     290.7     293.3         295.3     295.2     296.3     298.8
  11       Security (3)                                     44.4      58.5      61.8      59.4      55.9      61.4      61.8      63.2          65.1      58.4      62.4      65.3
  11a        Fed funds and RPs with broker/dealer           28.6      42.4      43.9      41.6      37.5      42.4      43.7      44.9          46.8      40.4      43.8      46.4
  11b        Other                                          15.8      16.1      17.8      17.7      18.4      19.0      18.1      18.3          18.3      18.0      18.6      18.9
  12a      State and local government                       12.1      11.3      11.1      11.0      11.1      11.1      11.0      11.2          11.2      11.2      11.3      11.3
  12b      Agricultural                                      9.6       9.2       9.3       9.4       9.6       9.8      10.0      10.0          10.0      10.0      10.1      10.0
  12c      Fed funds and RPs with others                     6.4       6.1       7.2       7.2       5.6       5.5       8.6       9.7          10.9      11.2      11.9      13.3
  12d      All other loans                                  68.7      77.7      79.8      82.8      80.3      84.1      83.8      88.8          96.5      92.1      93.6      92.0
  12e      Lease financing receivables                      75.9      86.8      88.0      90.2      92.0      93.2      94.5      96.4          97.5      97.6      97.7      97.9

  13  Interbank loans                                      117.9     116.6     126.2     126.3     113.4     125.1     119.2     109.7         110.9     111.8     108.8     109.5
  13a   Fed funds and RPs with banks                        73.7      68.8      77.9      76.4      64.0      74.0      66.4      58.2          58.9      59.5      56.4      58.5
  13b   Other                                               44.2      47.8      48.4      50.0      49.4      51.1      52.8      51.6          51.9      52.3      52.4      51.0

  14  Cash assets (4)                                      147.9     166.2     166.1     163.4     144.2     141.8     137.8     138.6         144.1     160.5     143.5     134.0

  15  Other assets (5)                                     182.4     189.0     186.4     197.3     202.7     200.4     198.0     197.4         203.3     198.5     196.8     194.3

  16  TOTAL ASSETS (6)                                   2,471.3   2,624.3   2,656.6   2,669.8   2,642.3   2,653.5   2,640.6   2,654.3       2,697.2   2,706.1   2,688.8   2,681.4



      -------------------------------------------------

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H.8 (510)                                                                                                                                                                   Page 8
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                     October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,532.5   1,583.4   1,607.2   1,614.6   1,586.2   1,596.3   1,578.9   1,584.1       1,610.1   1,610.3   1,599.0   1,552.1
  18    Transaction                                        382.4     380.1     380.8     391.3     371.8     371.7     358.1     352.8         359.7     362.3     360.7     337.8
  19    Nontransaction                                   1,150.0   1,203.2   1,226.5   1,223.3   1,214.4   1,224.6   1,220.8   1,231.2       1,250.4   1,248.0   1,238.3   1,214.3
  20       Large time                                      196.2     216.3     224.0     216.5     214.3     215.0     210.1     212.3         214.9     211.0     210.5     206.2
  21       Other                                           953.8     986.9   1,002.5   1,006.8   1,000.1   1,009.6   1,010.7   1,018.9       1,035.4   1,037.0   1,027.9   1,008.0

  22  Borrowings                                           453.9     529.3     541.4     546.0     541.3     536.0     525.1     517.5         532.2     527.3     524.4     552.7
  23    From banks in the U.S.                             180.2     199.4     208.3     208.5     189.6     189.1     188.4     190.6         193.2     197.6     193.4     194.6
  24    From others                                        273.8     329.9     333.1     337.6     351.7     347.0     336.7     326.8         339.0     329.7     331.0     358.1

  25  Net due to related foreign offices                    73.3      79.0      78.0      74.5      77.1      76.2      81.2      92.9          89.1     100.7     103.6     103.6

  26  Other liabilities                                    158.7     170.8     166.9     169.0     171.3     178.3     184.4     186.7         191.1     191.8     185.3     194.2

  27  TOTAL LIABILITIES                                  2,218.4   2,362.4   2,393.6   2,404.1   2,375.9   2,386.8   2,369.6   2,381.2       2,422.5   2,430.1   2,412.3   2,402.5

  28  Residual (assets less liabilities) (7)               252.9     261.9     263.0     265.6     266.4     266.6     271.0     273.1         274.7     276.0     276.5     278.9

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              45.1      47.0      47.2      43.9      45.6      50.5      51.0      51.9          55.8      61.1      60.3      64.6
  30  Reval. losses on off-bal. sheet items (8)             46.5      49.2      49.6      45.3      46.3      50.1      50.4      54.2          58.3      63.3      64.3      69.1
  31  Mortgage-backed securities (9)                       210.0     243.4     248.5     241.9     242.6     234.6     237.2     243.8         252.7     252.3     249.5     253.1
  31a   Pass-through                                       143.4     165.3     169.9     165.3     164.7     156.8     156.9     160.2         163.6     163.2     161.1     165.8
  31b   CMO, REMIC, and other                               66.6      78.0      78.6      76.6      77.9      77.8      80.3      83.6          89.0      89.1      88.5      87.3
  32  Net unrealized gains (losses) on                       2.2       3.3       2.9       3.0       2.8       3.2       3.5       3.1           3.6       3.5       3.4       3.5
        available-for-sale securities (10)
  33  Offshore credit to U.S. residents (11)                34.0      36.2      35.2      35.5      36.0      36.1      35.3      35.6          35.9      36.7      36.9      36.9



      -------------------------------------------------

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H.8 (510)                                                                                                                                                                   Page 9
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                     October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,375.3   1,431.4   1,437.2   1,442.9   1,450.9   1,460.1   1,472.5   1,481.1       1,487.1   1,483.0   1,483.1   1,482.6

  2     Securities in bank credit                          398.0     405.4     407.6     406.1     409.8     409.3     414.6     417.7         418.1     416.9     416.8     418.7
  3        U.S. government securities                      315.7     320.0     319.8     316.1     319.2     317.3     319.8     320.6         320.7     319.4     319.2     321.0
  4        Other securities                                 82.3      85.4      87.8      90.1      90.6      92.0      94.8      97.1          97.4      97.5      97.6      97.7

  5     Loans and leases in bank credit (2)                977.2   1,026.0   1,029.6   1,036.8   1,041.1   1,050.7   1,057.9   1,063.4       1,069.0   1,066.1   1,066.2   1,063.9
  6        Commercial and industrial                       175.8     185.1     185.1     186.3     188.5     190.2     191.7     194.7         196.4     196.7     196.7     196.4
  7        Real estate                                     521.6     558.4     561.1     566.1     568.5     575.0     580.9     585.3         588.4     587.5     587.3     585.8
  8          Revolving home equity                          27.9      29.3      29.2      29.0      29.2      29.5      29.7      29.8          29.8      29.9      29.8      29.9
  9          Other                                         493.7     529.1     531.9     537.1     539.3     545.5     551.2     555.5         558.6     557.7     557.4     555.9
  10       Consumer                                        210.8     207.8     206.4     205.6     206.1     206.2     205.7     202.5         202.0     199.8     201.0     202.1
  11       Security (3)                                      4.5       5.7       6.2       6.3       5.9       6.1       6.0       6.2           6.6       6.6       6.4       5.9
  12       Other loans and leases                           64.5      69.0      70.9      72.5      72.1      73.2      73.5      74.7          75.7      75.4      74.9      73.7

  13  Interbank loans                                       52.0      56.6      64.4      65.7      66.1      69.3      70.8      73.0          75.8      71.9      74.7      72.7

  14  Cash assets (4)                                       69.3      71.2      72.0      73.0      73.1      73.8      72.2      74.4          70.4      75.5      72.7      75.1

  15  Other assets (5)                                      64.0      63.1      61.7      64.2      66.9      70.3      70.9      70.3          69.9      72.3      70.6      72.3

  16  TOTAL ASSETS (6)                                   1,541.4   1,602.9   1,615.8   1,626.2   1,637.2   1,653.6   1,666.4   1,678.7       1,683.1   1,682.6   1,681.0   1,682.6

            L I A B I L I T I E S

  17  Deposits                                           1,235.4   1,279.0   1,286.4   1,293.8   1,301.5   1,315.0   1,318.3   1,330.4       1,333.2   1,334.0   1,334.9   1,342.4
  18    Transaction                                        296.5     294.9     297.7     296.5     296.1     298.0     294.8     295.5         287.4     289.4     293.0     302.1
  19    Nontransaction                                     939.0     984.2     988.7     997.3   1,005.5   1,017.0   1,023.4   1,034.9       1,045.8   1,044.5   1,041.9   1,040.3
  20       Large time                                      159.2     170.8     171.2     172.6     174.2     174.2     171.7     172.4         173.0     174.6     176.4     176.4
  21       Other                                           779.8     813.4     817.5     824.7     831.2     842.9     851.7     862.5         872.8     870.0     865.4     863.9

  22  Borrowings                                           152.2     157.5     159.9     162.3     164.1     164.9     167.8     167.2         167.7     169.1     168.3     166.0
  23    From banks in the U.S.                              75.8      71.8      71.5      72.0      73.0      74.0      76.9      77.2          76.8      79.0      77.6      75.0
  24    From others                                         76.5      85.6      88.3      90.3      91.2      90.9      90.9      90.1          90.8      90.1      90.6      90.9

  25  Net due to related foreign offices                     4.6       6.1       4.1       3.5       3.8       3.9       3.7       3.7           3.7       3.6       3.5       3.5

  26  Other liabilities                                     26.7      28.7      29.8      30.2      30.5      30.7      31.5      31.3          31.6      31.5      30.8      30.0

  27  TOTAL LIABILITIES                                  1,418.9   1,471.3   1,480.1   1,489.7   1,500.0   1,514.4   1,521.3   1,532.6       1,536.2   1,538.2   1,537.4   1,541.8

  28  Residual (assets less liabilities) (7)               122.4     131.6     135.7     136.5     137.2     139.2     145.1     146.0         146.8     144.4     143.6     140.8



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                  Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                 October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,374.8   1,422.8   1,433.6   1,448.6   1,457.9   1,464.8   1,470.6   1,480.6       1,487.1   1,483.0   1,486.2   1,488.0

  2     Securities in bank credit                          397.0     403.3     409.0     411.7     413.9     412.4     413.3     416.7         416.9     415.8     416.7     419.3
  3        U.S. government securities                      314.8     317.9     320.9     321.1     322.4     320.0     318.5     319.8         319.8     318.8     319.2     321.8
  4        Other securities                                 82.2      85.4      88.1      90.5      91.5      92.4      94.8      96.9          97.1      97.0      97.5      97.5

  5     Loans and leases in bank credit (2)                977.8   1,019.5   1,024.5   1,036.9   1,044.0   1,052.4   1,057.3   1,064.0       1,070.2   1,067.1   1,069.6   1,068.7
  6        Commercial and industrial                       174.4     184.7     186.1     188.7     191.0     191.9     191.4     193.2         194.7     194.8     195.4     195.5
  7        Real estate                                     522.0     554.6     558.8     565.8     570.1     575.6     581.0     585.7         588.8     588.4     589.1     588.2
  8          Revolving home equity                          27.8      29.3      29.1      29.2      29.3      29.5      29.6      29.6          29.7      29.9      30.0      30.1
  9          Other                                         494.2     525.4     529.7     536.6     540.8     546.2     551.4     556.1         559.1     558.5     559.1     558.0
  10       Consumer                                        210.9     207.6     204.4     204.6     204.9     204.6     204.0     202.6         202.7     200.3     202.1     203.5
  11       Security (3)                                      4.5       5.7       6.2       6.3       5.9       6.1       6.0       6.2           6.6       6.6       6.4       5.9
  12       Other loans and leases                           66.0      66.8      69.1      71.5      72.1      74.2      74.9      76.3          77.4      77.0      76.7      75.6

  13  Interbank loans                                       48.9      60.6      68.2      67.8      62.3      65.5      65.5      68.5          73.8      74.2      70.5      63.2

  14  Cash assets (4)                                       67.1      71.0      70.3      72.4      73.0      72.9      71.5      72.0          74.5      77.9      71.4      71.3

  15  Other assets (5)                                      65.1      62.8      61.6      64.6      65.9      69.6      72.6      71.4          73.2      75.1      71.1      71.9

  16  TOTAL ASSETS (6)                                   1,536.5   1,597.8   1,614.1   1,633.6   1,639.4   1,652.9   1,660.2   1,672.4       1,688.5   1,690.0   1,679.2   1,674.2

            L I A B I L I T I E S

  17  Deposits                                           1,229.2   1,276.0   1,288.0   1,302.1   1,302.0   1,311.6   1,312.6   1,323.9       1,337.2   1,341.9   1,332.5   1,328.9
  18    Transaction                                        292.1     291.5     294.6     300.1     294.0     296.4     292.0     291.2         292.8     295.3     291.8     291.1
  19    Nontransaction                                     937.2     984.5     993.4   1,002.0   1,008.0   1,015.2   1,020.6   1,032.7       1,044.3   1,046.6   1,040.7   1,037.7
  20       Large time                                      159.2     170.8     171.2     172.6     174.2     174.2     171.7     172.4         173.0     174.6     176.4     176.4
  21       Other                                           778.0     813.8     822.2     829.4     833.8     841.1     848.9     860.3         871.3     872.0     864.3     861.4

  22  Borrowings                                           153.2     155.6     156.6     160.4     164.5     165.3     167.9     168.5         169.2     167.4     170.0     174.4
  23    From banks in the U.S.                              76.4      71.0      70.4      71.6      73.7      74.6      77.1      78.0          77.6      78.0      78.0      78.5
  24    From others                                         76.8      84.6      86.3      88.8      90.9      90.8      90.8      90.6          91.7      89.4      92.0      95.8

  25  Net due to related foreign offices                     4.6       6.1       4.1       3.5       3.8       3.9       3.7       3.7           3.7       3.6       3.5       3.5

  26  Other liabilities                                     26.7      28.7      29.8      30.2      30.5      30.7      31.5      31.3          31.6      31.5      30.8      30.0

  27  TOTAL LIABILITIES                                  1,413.8   1,466.5   1,478.5   1,496.2   1,500.9   1,511.5   1,515.7   1,527.4       1,541.8   1,544.4   1,536.8   1,536.7

  28  Residual (assets less liabilities) (7)               122.8     131.3     135.7     137.5     138.5     141.4     144.6     145.1         146.7     145.6     142.4     137.5

               MEMO
  29  Mortgage-backed securities (9)                        46.3      50.4      50.9      51.5      52.2      52.2      52.5      53.4          53.7      53.8      54.0      55.0



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                  Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                           October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          535.5     569.0     565.9     557.8     564.6     568.3     573.9     591.8         606.2     602.1     612.5     607.8

  2     Securities in bank credit                          176.2     193.0     196.8     191.0     193.8     195.8     196.6     207.4         213.5     208.7     209.3     206.7
  3        U.S. government securities                       81.9      84.1      87.9      88.3      88.4      86.9      89.8      92.5          92.6      82.5      79.0      79.1
  4        Other securities                                 94.3     108.9     108.9     102.7     105.4     108.9     106.8     114.8         120.9     126.3     130.3     127.6

  5     Loans and leases in bank credit (2)                359.3     375.9     369.1     366.8     370.9     372.5     377.3     384.5         392.7     393.4     403.2     401.1
  6        Commercial and industrial                       222.0     222.5     220.2     214.2     213.6     215.4     218.4     219.4         223.5     221.6     226.5     227.2
  7        Real estate                                      28.7      25.9      24.7      23.7      23.1      22.9      22.6      22.5          22.3      22.4      22.4      22.2
  11       Security (3)                                     43.5      56.0      50.5      53.3      59.7      60.3      61.3      64.9          65.2      68.2      69.5      67.2
  12       Other loans and leases                           65.2      71.5      73.7      75.6      74.5      74.0      75.0      77.7          81.6      81.1      84.8      84.6

  13  Interbank loans                                       18.4      24.4      20.5      20.4      20.3      22.8      21.1      21.5          23.2      30.1      23.9      30.3

  14  Cash assets (4)                                       34.1      32.6      34.1      35.3      34.6      35.1      34.8      33.6          33.4      33.6      34.5      35.2

  15  Other assets (5)                                      43.6      41.5      37.3      37.3      35.5      35.7      35.4      37.0          39.2      38.6      39.1      40.2

  16  TOTAL ASSETS (6)                                     631.3     667.3     657.6     650.6     654.8     661.7     665.0     683.7         701.8     704.2     709.8     713.1

            L I A B I L I T I E S

  17  Deposits                                             262.3     284.4     288.3     291.9     293.8     301.3     295.4     303.9         311.1     314.5     313.8     314.4
  18    Transaction                                         11.1      10.1      10.6      11.1      10.6      10.5      12.9      11.2          13.2      14.6      14.5      15.9
  19    Nontransaction                                     251.2     274.3     277.7     280.8     283.2     290.9     282.5     292.8         298.0     299.9     299.3     298.5

  22  Borrowings                                           142.9     144.8     153.9     168.9     168.2     173.3     176.1     176.2         185.3     182.6     184.8     184.5
  23    From banks in the U.S.                              31.6      22.6      25.8      26.5      23.7      31.9      28.6      25.7          32.2      30.2      29.9      27.8
  24    From others                                        111.3     122.2     128.1     142.4     144.4     141.4     147.4     150.4         153.1     152.5     154.9     156.7

  25  Net due to related foreign offices                   131.9     134.7     118.5      98.3      96.9      92.8     102.5     104.0         101.5      96.9      97.4      91.2

  26  Other liabilities                                     99.7      97.0      89.2      85.3      87.7      90.8      93.7      99.5          99.4     101.6     104.4     106.2

  27  TOTAL LIABILITIES                                    636.9     661.0     649.8     644.4     646.5     658.3     667.7     683.6         697.4     695.6     700.4     696.3

  28  Residual (assets less liabilities) (7)                -5.5       6.3       7.7       6.2       8.3       3.4      -2.6       0.1           4.4       8.6       9.4      16.8



      -------------------------------------------------

  Footnotes appear on page 13.



H.8 (510)                                                                                                                                                                  Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                       October 2, 1998


               Account                                    1997      1998      1998      1998      1998      1998      1998      1998                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug          Sep 2     Sep 9    Sep 16    Sep 23 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          537.9     568.5     565.9     557.8     566.2     571.4     576.9     594.4         606.0     595.3     605.6     602.9

  2     Securities in bank credit                          180.1     190.1     195.1     192.7     197.7     198.9     199.3     211.7         216.0     206.9     204.9     203.8
  3        U.S. government securities                       82.8      83.3      88.6      86.9      89.0      87.0      89.5      93.3          93.6      82.5      79.3      78.9
  3a         Trading account                                17.4      14.1      17.6      18.3      20.4      18.2      24.4      30.1          33.1      21.6      19.7      19.0
  3b         Investment account                             65.4      69.3      71.0      68.6      68.6      68.7      65.2      63.2          60.5      60.9      59.6      59.8
  4        Other securities                                 97.3     106.8     106.5     105.8     108.7     112.0     109.8     118.4         122.4     124.4     125.6     125.0
  4a         Trading account                                56.5      62.9      62.2      61.1      62.9      66.3      66.3      70.2          74.7      76.5      77.4      76.7
  4b         Investment account                             40.8      43.9      44.3      44.7      45.8      45.7      43.5      48.1          47.7      47.9      48.2      48.3

  5     Loans and leases in bank credit (2)                357.8     378.4     370.8     365.1     368.5     372.4     377.5     382.7         390.0     388.4     400.7     399.1
  6        Commercial and industrial                       221.1     223.6     220.9     214.3     213.0     215.3     218.1     218.2         221.2     219.0     224.8     226.2
  7        Real estate                                      28.5      26.1      24.7      23.5      23.0      22.7      22.4      22.4          22.2      22.3      22.4      22.2
  11       Security (3)                                     42.7      56.2      51.3      52.7      59.2      60.2      60.8      64.1          64.6      66.4      69.4      67.3
  12       Other loans and leases                           65.4      72.5      74.0      74.7      73.4      74.3      76.2      78.0          82.0      80.7      84.1      83.3

  13  Interbank loans                                       18.4      24.4      20.5      20.4      20.3      22.8      21.1      21.5          23.2      30.1      23.9      30.3

  14  Cash assets (4)                                       34.1      32.1      33.0      33.6      34.2      36.1      34.7      33.6          33.5      33.2      33.8      35.5

  15  Other assets (5)                                      44.6      42.9      37.3      35.3      35.9      34.8      35.0      37.9          40.4      39.6      39.0      39.6

  16  TOTAL ASSETS (6)                                     634.8     667.7     656.4     646.9     656.4     664.9     667.4     687.2         702.8     698.0     702.1     708.0

            L I A B I L I T I E S

  17  Deposits                                             261.1     282.2     289.5     290.2     296.6     303.1     293.6     302.7         310.3     313.4     313.3     317.6
  18    Transaction                                         11.1       9.9      10.5      10.7      10.3      10.5      13.0      11.1          13.4      14.7      14.9      16.7
  19    Nontransaction                                     250.0     272.3     279.0     279.5     286.3     292.6     280.6     291.5         297.0     298.7     298.5     300.9
  
  22  Borrowings                                           142.9     144.8     153.9     168.9     168.2     173.3     176.1     176.2         185.3     182.6     184.8     184.5
  23    From banks in the U.S.                              31.6      22.6      25.8      26.5      23.7      31.9      28.6      25.7          32.2      30.2      29.9      27.8
  24    From others                                        111.3     122.2     128.1     142.4     144.4     141.4     147.4     150.4         153.1     152.5     154.9     156.7

  25  Net due to related foreign offices                   128.7     136.0     117.6      96.9      97.8      92.1      98.9     100.7          99.5      91.3      93.0      93.0

  26  Other liabilities                                     99.8      98.2      89.4      84.6      87.3      90.0      93.1      99.5          99.4     101.6     103.8     105.6

  27  TOTAL LIABILITIES                                    632.5     661.2     650.4     640.6     649.8     658.6     661.7     679.0         694.5     688.9     694.9     700.7

  28  Residual (assets less liabilities) (7)                 2.3       6.5       6.0       6.3       6.6       6.3       5.8       8.2           8.3       9.0       7.2       7.3

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              45.7      40.5      40.0      39.5      40.0      42.1      41.6      43.6          44.7      46.8      47.5      48.7
  30  Reval. losses on off-bal. sheet items (8)             45.7      40.7      39.9      39.2      38.9      41.1      40.7      42.8          42.4      44.8      45.5      46.6



      -------------------------------------------------

  Footnotes appear on page 13.




  H.8 (510)       Footnotes                                                                                                                                                Page 13
                                                                                                                                                                   October 2, 1998

  Note: This release and historical data are available on the Federal Reserve Board's web site: http://www.federalreserve.gov/
  

  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 10 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 nonfinancial businesses.

      NOTE: Domestically chartered commercial banks acquired $0.4 billion in assets and liabilities of thrift institutions in the week ending September 23, 1998.  The major asset item affected 
      was real estate loans, other, $0.3 billion.  The liabilty item affected was nontransaction deposits, other, $0.4 billion.  Also, large domestically chartered commercial banks 
      acquired $1.4 billion in assets and liabilities of thrift institutions in the week ending September 16, 1998.  The major asset item affected was (in billions):  other assets, $1.4.  The 
      major liabilty items affected were transaction deposits, $0.4; and nontransaction deposits, other, $1.0.


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