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: January 21, 2000

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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                                                                                                                          January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12


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

             A S S E T S




  1   Bank credit                                        4,548.8   4,553.8   4,549.7   4,582.9   4,607.6   4,636.5   4,704.0   4,782.8       4,803.1   4,796.7   4,769.4   4,785.6

  2     Securities in bank credit                        1,226.5   1,211.7   1,227.0   1,242.4   1,246.6   1,253.5   1,249.2   1,267.6       1,272.4   1,277.3   1,259.2   1,259.6
  3        U.S. government securities                      793.2     811.2     814.4     820.1     817.6     812.6     798.8     803.7         805.2     809.5     800.6     805.4
  4        Other securities                                433.4     400.5     412.7     422.3     428.9     440.9     450.4     463.9         467.2     467.8     458.7     454.1

  5     Loans and leases in bank credit (2)              3,322.2   3,342.1   3,322.7   3,340.5   3,361.1   3,383.0   3,454.8   3,515.1       3,530.7   3,519.3   3,510.2   3,526.1
  6        Commercial and industrial                       952.6     963.4     965.3     972.7     980.8     986.1   1,005.8   1,008.1       1,007.7   1,005.5     998.0   1,005.9
  7        Real estate                                   1,338.1   1,366.2   1,367.7   1,379.9   1,396.5   1,419.0   1,433.6   1,471.6       1,475.8   1,477.1   1,483.6   1,487.2
  8          Revolving home equity                         102.4     103.8      98.0      98.7      98.4      99.0     100.6     106.1         106.9     107.4     108.3     109.0
  9          Other                                       1,235.7   1,262.4   1,269.6   1,281.3   1,298.1   1,320.1   1,333.0   1,365.5       1,368.9   1,369.7   1,375.3   1,378.2
  10       Consumer                                        497.8     491.1     481.2     480.1     481.0     481.5     485.1     495.6         498.3     499.7     500.3     498.9
  11       Security (3)                                    150.7     131.0     122.4     122.4     116.2     111.0     134.0     155.3         161.8     153.4     147.1     153.0
  12       Other loans and leases                          383.0     390.5     386.2     385.3     386.6     385.4     396.3     384.5         387.1     383.7     381.2     381.1

  13  Interbank loans                                      217.6     224.8     224.3     215.0     207.8     218.6     214.3     218.3         216.9     225.5     209.3     209.2

  14  Cash assets (4)                                      252.7     260.7     257.8     252.4     262.5     269.7     276.3     290.6         304.4     280.4     281.8     296.4

  15  Other assets (5)                                     341.8     345.7     347.2     344.9     355.4     358.1     365.9     370.7         373.5     364.7     377.0     384.0

  16  TOTAL ASSETS (6)                                   5,302.9   5,326.3   5,320.9   5,336.6   5,374.2   5,423.6   5,501.0   5,602.3       5,637.7   5,607.1   5,577.2   5,615.5

            L I A B I L I T I E S

  17  Deposits                                           3,338.3   3,377.2   3,389.8   3,384.3   3,394.9   3,435.0   3,479.9   3,531.7       3,551.8   3,505.3   3,534.1   3,550.2
  18    Transaction                                        671.6     655.7     648.6     635.9     634.0     631.1     623.9     631.7         653.2     624.5     595.8     619.4
  19    Nontransaction                                   2,666.7   2,721.5   2,741.2   2,748.4   2,760.9   2,803.9   2,855.9   2,900.0       2,898.6   2,880.9   2,938.2   2,930.8
  20       Large time                                      717.4     718.8     721.1     717.9     728.3     766.8     804.6     834.7         837.0     835.6     853.3     851.4
  21       Other                                         1,949.3   2,002.7   2,020.2   2,030.4   2,032.6   2,037.1   2,051.3   2,065.3       2,061.6   2,045.2   2,085.0   2,079.4

  22  Borrowings                                         1,021.7   1,017.9   1,019.4   1,026.3   1,045.7   1,048.9   1,064.1   1,125.1       1,131.7   1,164.4   1,138.9   1,148.3
  23    From banks in the U.S.                             319.6     336.5     337.1     336.5     340.5     350.1     352.1     349.2         342.9     367.0     360.3     359.9
  24    From others                                        702.0     681.4     682.3     689.8     705.2     698.8     712.0     775.9         788.8     797.5     778.6     788.4

  25  Net due to related foreign offices                   213.9     210.2     217.0     222.5     218.3     219.6     226.1     218.4         220.7     218.1     202.5     196.1

  26  Other liabilities                                    306.9     279.6     273.7     279.7     282.6     289.9     295.7     299.0         303.7     301.7     298.7     303.0

  27  TOTAL LIABILITIES                                  4,880.7   4,884.9   4,899.9   4,912.7   4,941.5   4,993.4   5,065.7   5,174.2       5,207.9   5,189.5   5,174.3   5,197.5

  28  Residual (assets less liabilities) (7)               422.2     441.4     420.9     423.9     432.7     430.2     435.3     428.2         429.8     417.6     402.9     418.0



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

  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                                                                                                                      January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,564.1   4,547.6   4,533.7   4,561.9   4,597.7   4,641.1   4,718.1   4,799.0       4,821.0   4,823.5   4,791.1   4,799.0

  2     Securities in bank credit                        1,228.3   1,208.4   1,215.9   1,229.5   1,235.4   1,250.1   1,255.7   1,271.7       1,273.7   1,278.4   1,265.4   1,265.2
  3        U.S. government securities                      794.0     810.7     806.5     808.3     807.5     807.0     800.9     805.0         804.6     806.9     801.6     806.7
  4        Other securities                                434.3     397.7     409.4     421.2     428.0     443.1     454.7     466.6         469.1     471.5     463.8     458.5

  5     Loans and leases in bank credit (2)              3,335.8   3,339.2   3,317.8   3,332.4   3,362.3   3,391.0   3,462.4   3,527.4       3,547.3   3,545.0   3,525.7   3,533.8
  6        Commercial and industrial                       952.6     963.6     962.9     964.1     976.8     987.2   1,005.8   1,007.2       1,008.9   1,010.8   1,000.6   1,002.4
  7        Real estate                                   1,340.1   1,366.7   1,368.7   1,382.5   1,400.1   1,422.7   1,438.3   1,474.1       1,476.1   1,479.6   1,483.1   1,489.4
  8          Revolving home equity                         102.8     103.4      97.9      98.8      99.1      99.7     101.4     106.5         107.3     107.9     108.5     109.1
  9          Other                                       1,237.3   1,263.3   1,270.8   1,283.7   1,301.0   1,323.0   1,336.9   1,367.6       1,368.8   1,371.7   1,374.6   1,380.3
  10       Consumer                                        503.1     488.4     478.8     481.3     484.0     482.2     485.3     500.6         505.7     508.4     507.0     505.6
  11       Security (3)                                    152.8     130.4     120.4     118.7     112.8     111.9     135.4     157.4         165.5     154.0     146.0     153.5
  12       Other loans and leases                          387.3     390.1     387.1     385.8     388.5     387.1     397.5     388.2         391.1     392.2     388.9     382.9

  13  Interbank loans                                      225.8     222.1     218.1     207.3     204.3     215.1     220.9     224.8         220.3     229.6     215.8     212.4

  14  Cash assets (4)                                      267.8     256.2     250.0     242.0     259.8     270.0     283.5     307.3         315.1     323.1     308.5     303.5

  15  Other assets (5)                                     342.6     351.6     349.9     347.7     357.4     355.5     364.5     371.6         371.7     370.5     374.9     372.2

  16  TOTAL ASSETS (6)                                   5,342.5   5,318.7   5,293.5   5,300.1   5,359.9   5,422.4   5,527.2   5,642.6       5,667.9   5,686.6   5,630.4   5,627.7

            L I A B I L I T I E S

  17  Deposits                                           3,372.1   3,375.2   3,373.5   3,370.4   3,393.5   3,437.5   3,506.2   3,564.1       3,568.9   3,561.7   3,576.9   3,558.5
  18    Transaction                                        705.8     650.8     637.9     619.6     628.2     622.9     633.6     664.3         677.0     691.8     645.1     635.7
  19    Nontransaction                                   2,666.3   2,724.4   2,735.6   2,750.8   2,765.3   2,814.7   2,872.6   2,899.8       2,891.9   2,869.9   2,931.8   2,922.8
  20       Large time                                      722.0     716.1     714.4     715.3     729.7     768.4     809.8     840.5         843.4     839.9     851.7     850.0
  21       Other                                         1,944.3   2,008.3   2,021.3   2,035.5   2,035.5   2,046.3   2,062.8   2,059.3       2,048.6   2,030.1   2,080.1   2,072.8

  22  Borrowings                                         1,024.2   1,021.5   1,010.1   1,002.8   1,040.6   1,051.7   1,071.0   1,127.7       1,146.3   1,171.1   1,137.4   1,151.5
  23    From banks in the U.S.                             325.5     336.4     332.5     329.3     336.8     347.8     356.5     355.7         353.3     374.1     362.1     362.4
  24    From others                                        698.6     685.1     677.6     673.5     703.8     703.9     714.5     772.1         793.0     797.0     775.3     789.0

  25  Net due to related foreign offices                   219.1     204.4     209.2     217.4     214.3     221.3     227.8     223.9         225.2     231.4     194.8     194.8

  26  Other liabilities                                    307.6     279.0     272.9     279.6     281.6     288.4     295.9     299.8         303.8     302.7     299.6     303.6

  27  TOTAL LIABILITIES                                  4,922.9   4,880.1   4,865.7   4,870.2   4,929.9   4,998.9   5,100.9   5,215.6       5,244.2   5,266.9   5,208.6   5,208.3

  28  Residual (assets less liabilities) (7)               419.6     438.6     427.8     429.9     430.0     423.5     426.3     427.1         423.7     419.7     421.9     419.4

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)             116.5      93.0      92.0      96.5      98.5     100.3     100.4     104.3         105.1     105.2     101.0      99.2
  30  Reval. losses on off-bal. sheet items (8)            114.7      94.7      92.6      98.8      97.3      98.1      99.2     102.6         103.6     103.7      99.2      97.8



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

  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                                                                                                                          January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,950.2   4,020.6   4,027.0   4,058.9   4,088.4   4,108.7   4,155.3   4,226.9       4,246.4   4,243.8   4,224.8   4,239.9

  2     Securities in bank credit                        1,012.7   1,015.0   1,036.6   1,052.3   1,057.1   1,060.3   1,051.3   1,062.2       1,063.2   1,070.6   1,059.9   1,061.4
  3        U.S. government securities                      709.5     724.5     728.1     736.0     735.9     730.5     719.1     722.0         721.2     727.0     720.7     725.7
  4        Other securities                                303.2     290.5     308.5     316.3     321.2     329.8     332.2     340.2         342.1     343.6     339.2     335.7

  5     Loans and leases in bank credit (2)              2,937.5   3,005.7   2,990.4   3,006.5   3,031.3   3,048.5   3,104.0   3,164.7       3,183.1   3,173.2   3,164.9   3,178.4
  6        Commercial and industrial                       734.2     766.7     771.8     777.1     783.5     787.0     804.8     812.6         812.1     812.8     805.8     811.3
  7        Real estate                                   1,316.7   1,347.0   1,349.1   1,362.3   1,378.9   1,401.2   1,416.1   1,454.3       1,458.4   1,459.8   1,466.5   1,469.8
  8          Revolving home equity                         102.4     103.8      98.0      98.7      98.4      99.0     100.6     106.1         106.9     107.4     108.3     109.0
  9          Other                                       1,214.2   1,243.2   1,251.1   1,263.6   1,280.5   1,302.3   1,315.6   1,348.2       1,351.4   1,352.4   1,358.2   1,360.9
  10       Consumer                                        497.8     491.1     481.2     480.1     481.0     481.5     485.1     495.6         498.3     499.7     500.3     498.9
  11       Security (3)                                     84.4      79.0      69.6      67.5      64.7      56.2      68.7      88.5          98.0      88.8      81.1      88.5
  12       Other loans and leases                          304.4     321.9     318.7     319.5     323.2     322.5     329.3     313.8         316.3     312.2     311.1     310.0

  13  Interbank loans                                      189.6     200.3     196.8     189.3     184.9     195.6     191.5     192.8         191.4     199.2     182.3     182.6

  14  Cash assets (4)                                      217.1     227.2     222.6     214.3     221.7     225.6     225.9     236.0         249.5     226.0     227.5     240.4

  15  Other assets (5)                                     303.4     312.1     314.9     315.9     326.1     326.3     331.1     333.2         333.6     327.5     339.8     344.9

  16  TOTAL ASSETS (6)                                   4,602.6   4,701.8   4,703.4   4,720.0   4,762.2   4,797.2   4,844.5   4,929.2       4,961.0   4,936.5   4,914.3   4,948.3

            L I A B I L I T I E S

  17  Deposits                                           3,029.9   3,071.5   3,080.7   3,075.4   3,084.0   3,102.8   3,121.0   3,152.2       3,171.6   3,129.2   3,138.2   3,154.4
  18    Transaction                                        660.2     644.8     637.7     624.9     623.1     619.5     612.6     620.1         641.5     612.7     585.3     608.3
  19    Nontransaction                                   2,369.7   2,426.6   2,443.0   2,450.5   2,460.8   2,483.2   2,508.3   2,532.1       2,530.1   2,516.5   2,552.9   2,546.1
  20       Large time                                      421.1     426.2     425.7     424.0     433.4     447.9     458.9     467.7         468.5     471.9     471.3     468.6
  21       Other                                         1,948.6   2,000.5   2,017.3   2,026.4   2,027.4   2,035.4   2,049.5   2,064.4       2,061.6   2,044.7   2,081.7   2,077.5

  22  Borrowings                                           817.7     836.0     846.1     853.4     875.9     873.3     879.8     945.6         956.1     982.4     961.4     968.7
  23    From banks in the U.S.                             292.8     309.0     312.7     312.9     315.3     327.3     325.1     323.8         319.5     338.0     337.1     338.3
  24    From others                                        524.9     527.1     533.5     540.5     560.6     546.0     554.7     621.8         636.6     644.4     624.3     630.4

  25  Net due to related foreign offices                   112.4     145.6     145.2     150.5     152.2     166.2     182.0     181.3         179.6     185.9     175.0     166.6

  26  Other liabilities                                    229.7     214.1     211.0     218.0     218.0     224.1     228.4     228.5         232.5     230.2     233.2     235.8

  27  TOTAL LIABILITIES                                  4,189.7   4,267.2   4,283.0   4,297.2   4,330.0   4,366.4   4,411.2   4,507.6       4,539.8   4,527.7   4,508.0   4,525.6

  28  Residual (assets less liabilities) (7)               412.9     434.6     420.4     422.8     432.1     430.8     433.3     421.6         421.2     408.9     406.4     422.7



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

  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                                                                                                                      January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,962.6   4,017.6   4,014.1   4,041.5   4,079.4   4,109.2   4,166.2   4,240.0       4,261.4   4,261.4   4,239.7   4,249.3

  2     Securities in bank credit                        1,015.8   1,012.6   1,027.0   1,040.7   1,046.6   1,054.1   1,054.6   1,067.2       1,067.1   1,072.5   1,065.7   1,066.1
  3        U.S. government securities                      710.1     723.6     720.8     725.2     726.6     724.9     720.8     723.0         721.0     724.1     721.8     726.7
  4        Other securities                                305.7     289.0     306.3     315.5     320.0     329.2     333.8     344.2         346.2     348.4     343.8     339.4

  5     Loans and leases in bank credit (2)              2,946.8   3,005.0   2,987.1   3,000.9   3,032.8   3,055.1   3,111.6   3,172.8       3,194.2   3,188.9   3,174.0   3,183.2
  6        Commercial and industrial                       731.4     768.6     770.2     770.2     779.9     787.0     803.5     808.9         809.7     812.8     804.7     805.8
  7        Real estate                                   1,318.6   1,347.8   1,350.3   1,365.0   1,382.5   1,404.7   1,420.7   1,456.7       1,458.7   1,462.3   1,465.9   1,471.8
  8          Revolving home equity                         102.8     103.4      97.9      98.8      99.1      99.7     101.4     106.5         107.3     107.9     108.5     109.1
  9          Other                                       1,215.7   1,244.4   1,252.5   1,266.1   1,283.4   1,305.0   1,319.3   1,350.2       1,351.4   1,354.4   1,357.4   1,362.7
  10       Consumer                                        503.1     488.4     478.8     481.3     484.0     482.2     485.3     500.6         505.7     508.4     507.0     505.6
  11       Security (3)                                     86.0      78.2      68.0      63.7      61.2      57.3      70.9      90.2         101.0      87.4      79.5      89.3
  12       Other loans and leases                          307.7     322.0     319.8     320.8     325.1     323.9     331.1     316.5         319.1     317.9     317.0     310.7

  13  Interbank loans                                      197.9     197.6     190.5     181.6     181.4     192.2     198.0     199.3         194.9     203.2     188.9     185.8

  14  Cash assets (4)                                      230.7     221.9     214.9     204.3     219.2     225.3     232.3     250.4         257.1     265.5     252.5     246.6

  15  Other assets (5)                                     302.8     319.0     318.3     318.1     327.7     323.8     329.5     332.6         330.5     332.6     337.1     332.3

  16  TOTAL ASSETS (6)                                   4,636.3   4,697.5   4,680.0   4,687.0   4,748.7   4,791.5   4,866.7   4,962.5       4,984.0   5,002.9   4,958.6   4,955.0

            L I A B I L I T I E S

  17  Deposits                                           3,060.0   3,068.8   3,066.9   3,064.1   3,083.0   3,105.3   3,147.9   3,180.3       3,181.9   3,178.4   3,182.8   3,166.5
  18    Transaction                                        693.9     640.1     627.1     608.7     616.8     611.4     622.4     652.4         664.7     679.2     634.1     624.6
  19    Nontransaction                                   2,366.1   2,428.6   2,439.8   2,455.4   2,466.2   2,493.9   2,525.5   2,527.9       2,517.2   2,499.2   2,548.7   2,541.9
  20       Large time                                      423.6     422.6     420.8     422.2     433.0     449.9     464.9     470.9         470.9     471.3     472.4     471.3
  21       Other                                         1,942.5   2,006.0   2,019.0   2,033.2   2,033.3   2,044.0   2,060.6   2,057.0       2,046.3   2,027.9   2,076.3   2,070.6

  22  Borrowings                                           820.2     839.6     836.8     829.9     870.8     876.1     886.8     948.2         970.7     989.0     959.9     972.0
  23    From banks in the U.S.                             298.7     308.8     308.1     305.8     311.6     325.0     329.6     330.2         329.9     345.1     338.9     340.9
  24    From others                                        521.5     530.8     528.7     524.1     559.2     551.1     557.2     618.0         640.8     643.9     620.9     631.1

  25  Net due to related foreign offices                   111.4     141.2     139.9     147.5     149.8     166.1     181.0     181.8         178.9     188.7     163.7     163.7

  26  Other liabilities                                    229.1     213.9     211.1     217.8     217.3     223.3     227.7     227.9         231.4     229.7     234.0     236.6

  27  TOTAL LIABILITIES                                  4,220.7   4,263.4   4,254.7   4,259.3   4,320.9   4,370.7   4,443.4   4,538.1       4,563.0   4,585.7   4,540.5   4,538.8

  28  Residual (assets less liabilities) (7)               415.6     434.1     425.3     427.7     427.7     420.8     423.3     424.4         421.1     417.2     418.1     416.3

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              68.0      54.6      54.4      58.4      60.1      60.9      59.8      64.5          66.0      65.2      63.3      62.0
  30  Reval. losses on off-bal. sheet items (8)             69.6      57.1      56.3      62.5      59.8      60.0      59.8      63.9          65.2      64.5      62.0      61.2
  31  Mortgage-backed securities (9)                       345.7     333.9     339.1     343.1     345.9     346.7     348.2     348.1         347.0     347.8     349.7     349.6



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

  Footnotes appear on page 13.



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                                                                                                    January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,494.1   2,496.4   2,487.7   2,505.4   2,521.1   2,520.1   2,561.7   2,621.6       2,639.5   2,634.9   2,607.3   2,621.2

  2     Securities in bank credit                          588.1     566.0     583.7     597.3     600.4     601.3     597.3     610.1         611.7     617.8     605.6     606.2
  3        U.S. government securities                      390.9     390.9     391.1     398.8     397.1     391.0     385.0     391.4         391.4     396.7     387.3     391.0
  3a         Trading account                                23.0      25.1      22.7      23.3      20.9      20.0      18.0      19.4          18.2      24.1      18.9      19.1
  3b         Investment account                            367.9     365.8     368.4     375.5     376.2     371.0     367.0     372.0         373.2     372.6     368.5     371.9
  4        Other securities                                197.2     175.1     192.6     198.5     203.3     210.3     212.4     218.7         220.3     221.1     218.2     215.2
  4a         Trading account                               100.2      71.1      73.6      77.5      78.1      81.7      82.4      87.1          89.0      88.5      84.9      80.7
  4b         Investment account                             97.0     104.0     119.0     121.0     125.2     128.5     129.9     131.7         131.4     132.7     133.3     134.5
  4c           State and local government                   24.8      25.3      25.4      25.7      25.7      25.8      26.4      26.4          26.6      26.3      26.4      26.6
  4d           Other                                        72.2      78.7      93.5      95.3      99.5     102.7     103.5     105.3         104.7     106.4     106.8     107.9

  5     Loans and leases in bank credit (2)              1,906.0   1,930.4   1,904.0   1,908.1   1,920.8   1,918.8   1,964.3   2,011.5       2,027.8   2,017.1   2,001.7   2,015.0
  6        Commercial and industrial                       545.9     567.1     569.5     573.1     576.5     574.3     589.2     595.5         594.8     595.6     586.8     591.5
  6a         Bankers acceptances                             1.3       1.0       1.0       1.1       1.2       1.1       1.1       1.1           1.1       1.1       1.1       1.1
  6b         Other                                         544.6     566.2     568.6     572.0     575.3     573.2     588.0     594.4         593.7     594.5     585.7     590.4
  7        Real estate                                     740.4     736.4     731.2     736.3     747.6     758.5     767.1     799.0         802.1     804.1     807.4     810.0
  8          Revolving home equity                          74.4      74.7      68.7      69.3      69.1      69.1      70.5      75.4          76.3      76.6      77.1      77.7
  9          Other                                         666.1     661.7     662.5     667.1     678.5     689.4     696.6     723.6         725.8     727.5     730.3     732.2
  10       Consumer                                        306.3     296.1     286.6     284.2     282.2     281.0     284.9     290.5         292.3     291.6     291.3     291.5
  11       Security (3)                                     78.8      74.3      64.7      62.6      59.8      51.3      63.3      83.2          92.9      83.8      76.1      83.4
  11a        Fed funds and RPs with broker/dealer           62.9      55.8      47.0      45.4      42.2      34.2      45.2      63.4          71.9      64.6      58.1      61.1
  11b        Other                                          15.9      18.5      17.8      17.2      17.6      17.0      18.1      19.8          21.0      19.3      18.1      22.3
  12a      State and local government                       11.7      11.8      12.0      12.2      12.3      12.3      12.2      12.1          12.0      12.0      12.2      12.2
  12b      Agricultural                                      9.1       8.7       8.6       8.9       9.2       9.6       9.6       9.6           9.7       9.6       9.7       9.8
  12c      Fed funds and RPs with others                    17.2      16.4       4.8       7.9      11.2      10.0      12.3      11.8          11.2      13.3      11.4      10.8
  12d      All other loans                                  90.0      99.4     104.5      99.6      97.2      94.8      96.7      79.7          82.7      76.9      76.6      76.1
  12e      Lease financing receivables                     106.5     120.2     121.9     123.3     124.7     127.0     129.2     130.0         130.2     130.2     130.3     129.8

  13  Interbank loans                                      129.8     148.9     143.7     138.3     136.4     149.8     141.3     141.5         139.0     148.9     136.3     134.6
  13a   Fed funds and RPs with banks                        80.0      90.3      91.9      86.7      83.8      92.4      73.8      70.9          68.2      77.5      64.4      61.6
  13b   Other                                               49.8      58.7      51.8      51.5      52.5      57.4      67.6      70.7          70.9      71.4      71.9      73.0

  14  Cash assets (4)                                      149.9     157.2     151.4     143.3     149.9     154.1     153.2     159.8         169.4     152.4     157.2     164.4

  15  Other assets (5)                                     236.2     238.5     238.2     236.7     246.9     243.2     248.8     250.1         249.7     246.9     251.9     257.1

  16  TOTAL ASSETS (6)                                   2,971.3   3,002.1   2,982.3   2,985.0   3,015.3   3,028.2   3,066.0   3,133.9       3,158.5   3,143.8   3,113.4   3,138.5



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

  Footnotes appear on page 13.



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)                                                                                        January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,726.9   1,722.7   1,719.9   1,706.7   1,712.7   1,713.6   1,721.3   1,735.0       1,746.7   1,715.3   1,716.2   1,721.3
  18    Transaction                                        381.6     363.7     357.0     342.5     343.4     339.8     335.5     344.1         358.8     337.0     320.4     332.2
  19    Nontransaction                                   1,345.2   1,359.0   1,362.9   1,364.2   1,369.3   1,373.8   1,385.8   1,390.9       1,387.9   1,378.3   1,395.8   1,389.1
  20       Large time                                      234.7     230.2     231.7     227.2     235.1     245.1     252.1     258.9         259.2     262.4     261.5     258.5
  21       Other                                         1,110.6   1,128.8   1,131.2   1,136.9   1,134.2   1,128.7   1,133.6   1,132.0       1,128.8   1,115.9   1,134.3   1,130.6

  22  Borrowings                                           646.7     647.9     647.0     652.4     669.9     667.1     674.8     733.3         743.8     763.0     737.5     747.2
  23    From banks in the U.S.                             211.5     221.4     218.2     219.7     221.8     237.5     237.3     236.4         231.0     246.1     248.7     249.0
  24    From others                                        435.1     426.5     428.8     432.7     448.1     429.5     437.5     496.9         512.9     516.9     488.8     498.2

  25  Net due to related foreign offices                   108.8     141.5     140.9     147.0     148.8     161.9     177.5     176.8         175.4     180.6     170.7     162.2

  26  Other liabilities                                    200.2     182.2     179.9     185.1     184.0     189.9     194.4     194.3         198.3     196.4     201.1     204.8

  27  TOTAL LIABILITIES                                  2,682.6   2,694.3   2,687.7   2,691.2   2,715.4   2,732.5   2,767.9   2,839.3       2,864.3   2,855.3   2,825.5   2,835.6

  28  Residual (assets less liabilities) (7)               288.7     307.8     294.7     293.8     299.9     295.7     298.1     294.5         294.3     288.5     287.9     302.9



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

  Footnotes appear on page 13.



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                                                                                                January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,508.3   2,486.3   2,473.7   2,485.9   2,508.9   2,521.9   2,575.6   2,636.6       2,654.3   2,650.1   2,629.1   2,637.4

  2     Securities in bank credit                          591.6     561.8     575.9     587.2     592.2     598.2     602.9     615.2         615.2     618.7     611.9     610.7
  3        U.S. government securities                      391.6     388.1     385.3     389.8     389.7     388.4     389.0     392.3         390.6     393.0     388.8     391.7
  3a         Trading account                                23.7      23.5      20.9      22.2      20.7      20.8      19.9      20.0          18.4      22.0      18.7      19.3
  3b         Investment account                            367.9     364.6     364.4     367.6     369.0     367.5     369.1     372.3         372.2     371.0     370.1     372.4
  3c           Mortgage-backed                             263.4     240.3     239.0     242.8     245.9     244.0     244.4     244.1         243.3     243.6     243.3     243.9
  3d           Other                                       104.5     124.3     125.3     124.9     123.0     123.5     124.6     128.2         128.9     127.4     126.8     128.6
  3e             1 year or less                             27.7      25.6      25.5      25.2      24.7      25.6      23.9      25.2          25.6      24.2      24.6      25.7
  3f             Between 1 and 5 years                      40.0      58.4      59.6      59.8      59.0      59.8      60.5      61.4          61.0      61.0      60.3      60.6
  3g             More than 5 years                          36.8      40.4      40.2      39.9      39.3      38.2      40.3      41.6          42.3      42.3      42.0      42.4
  4        Other securities                                200.0     173.7     190.6     197.4     202.6     209.8     213.9     222.9         224.6     225.6     223.0     219.0
  4a         Trading account                               100.2      71.1      73.6      77.5      78.1      81.7      82.4      87.1          89.0      88.5      84.9      80.7
  4b         Investment account                             99.8     102.6     117.0     120.0     124.5     128.1     131.5     135.8         135.6     137.2     138.1     138.3
  4c           State and local government                   25.0      25.1      25.0      25.4      25.6      25.9      26.6      26.6          26.8      26.7      26.8      26.9
  4d           Other                                        74.8      77.5      92.0      94.6      98.9     102.2     104.9     109.2         108.8     110.5     111.3     111.4

  5     Loans and leases in bank credit (2)              1,916.7   1,924.5   1,897.8   1,898.7   1,916.7   1,923.7   1,972.7   2,021.4       2,039.1   2,031.5   2,017.2   2,026.7
  6        Commercial and industrial                       544.0     567.2     568.1     567.3     574.0     575.8     589.5     592.8         593.1     595.4     586.2     587.2
  6a         Bankers acceptances                             1.3       1.0       1.0       1.1       1.2       1.1       1.1       1.1           1.1       1.1       1.1       1.1
  6b         Other                                         542.7     566.2     567.1     566.2     572.8     574.6     588.3     591.7         592.0     594.4     585.1     586.1
  7        Real estate                                     744.0     734.4     730.3     736.9     747.9     760.5     771.2     803.3         804.3     807.5     811.6     816.3
  8          Revolving home equity                          74.6      74.5      68.8      69.6      69.6      69.7      71.1      75.6          76.3      76.8      77.4      77.9
  9a         Other residential                             419.5     400.7     402.0     406.8     411.7     418.4     424.7     449.2         448.9     451.3     452.4     456.1
  9b         Commercial                                    249.9     259.2     259.5     260.6     266.6     272.4     275.4     278.5         279.1     279.4     281.7     282.3
  10       Consumer                                        309.6     294.1     284.8     284.8     284.1     281.0     284.7     293.7         296.5     297.8     297.9     297.5
  11       Security (3)                                     80.4      73.5      63.1      58.8      56.3      52.4      65.5      84.9          95.8      82.5      74.4      84.2
  11a        Fed funds and RPs with broker/dealer           64.2      54.2      45.4      41.9      38.9      35.3      47.5      64.6          73.2      62.4      57.1      62.7
  11b        Other                                          16.3      19.3      17.7      16.9      17.4      17.1      18.0      20.2          22.6      20.0      17.4      21.6
  12a      State and local government                       11.8      11.7      12.0      12.3      12.4      12.4      12.3      12.2          12.1      12.1      12.1      12.2
  12b      Agricultural                                      9.1       8.8       8.9       9.1       9.4       9.7       9.6       9.6           9.5       9.7       9.9       9.7
  12c      Fed funds and RPs with others                    17.2      16.4       4.8       7.9      11.2      10.0      12.3      11.8          11.2      13.3      11.4      10.8
  12d      All other loans                                  94.4      97.9     104.3      98.8      97.8      95.8      99.8      83.6          87.1      82.4      81.4      76.8
  12e      Lease financing receivables                     106.1     120.5     121.6     122.8     123.5     126.0     127.8     129.5         129.5     130.7     132.2     132.0

  13  Interbank loans                                      133.0     149.3     141.6     133.2     134.0     145.2     142.0     144.1         140.7     152.9     139.5     135.3
  13a   Fed funds and RPs with banks                        83.8      89.4      88.4      81.9      81.9      88.6      76.6      74.5          70.1      81.2      68.7      64.0
  13b   Other                                               49.2      59.9      53.2      51.3      52.2      56.6      65.5      69.6          70.6      71.6      70.8      71.3

  14  Cash assets (4)                                      160.2     153.0     145.5     136.4     148.8     154.5     157.4     170.6         175.9     182.2     174.1     168.6

  15  Other assets (5)                                     235.6     243.8     240.4     238.3     248.1     240.6     245.5     249.5         248.9     249.9     249.0     250.3

  16  TOTAL ASSETS (6)                                   2,998.4   2,993.3   2,962.4   2,954.8   3,000.6   3,023.4   3,081.3   3,161.6       3,180.6   3,196.2   3,152.8   3,153.2



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

  Footnotes appear on page 13.



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)                                                                                    January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,751.0   1,716.7   1,708.6   1,696.8   1,708.7   1,712.3   1,735.6   1,758.5       1,758.9   1,756.5   1,754.5   1,738.0
  18    Transaction                                        404.6     360.1     350.3     333.2     340.0     334.7     341.6     365.9         375.0     384.3     351.5     342.3
  19    Nontransaction                                   1,346.4   1,356.6   1,358.3   1,363.6   1,368.7   1,377.6   1,393.9   1,392.6       1,383.9   1,372.3   1,403.0   1,395.7
  20       Large time                                      237.2     226.6     226.9     225.4     234.6     247.2     258.2     262.2         261.5     261.9     262.6     261.2
  21       Other                                         1,109.2   1,129.9   1,131.5   1,138.1   1,134.1   1,130.5   1,135.8   1,130.4       1,122.4   1,110.4   1,140.4   1,134.5

  22  Borrowings                                           647.2     650.3     637.9     628.9     662.2     667.0     679.5     733.9         752.3     766.5     741.7     752.6
  23    From banks in the U.S.                             215.5     221.1     214.4     213.3     217.7     233.3     239.9     240.7         237.7     250.4     251.7     251.7
  24    From others                                        431.8     429.3     423.5     415.6     444.5     433.7     439.5     493.1         514.7     516.2     490.1     500.9

  25  Net due to related foreign offices                   107.8     137.1     135.7     144.0     146.4     161.8     176.5     177.3         174.7     183.4     159.4     159.4

  26  Other liabilities                                    200.2     182.2     179.9     185.1     184.0     189.9     194.4     194.3         198.3     196.4     201.1     204.8

  27  TOTAL LIABILITIES                                  2,706.3   2,686.2   2,662.1   2,654.8   2,701.2   2,731.0   2,785.9   2,863.9       2,884.2   2,902.9   2,856.7   2,854.8

  28  Residual (assets less liabilities) (7)               292.1     307.1     300.4     300.0     299.4     292.4     295.4     297.7         296.4     293.3     296.2     298.5

               MEMO
  29  Reval. gains on off-bal. sheet items (8)              68.0      54.6      54.4      58.4      60.1      60.9      59.8      64.5          66.0      65.2      63.3      62.0
  30  Reval. losses on off-bal. sheet items (8)             69.6      57.1      56.3      62.5      59.8      60.0      59.8      63.9          65.2      64.5      62.0      61.2
  31  Mortgage-backed securities (9)                       293.3     269.2     273.9     278.3     280.7     279.1     281.8     281.8         281.1     281.5     281.5     281.1
  31a   Pass-through                                       199.1     177.2     183.3     186.9     185.5     184.8     187.9     188.9         188.0     188.5     189.0     188.2
  31b   CMO, REMIC, and other                               94.2      92.0      90.6      91.4      95.2      94.2      93.9      92.9          93.1      93.0      92.5      92.9
  32  Net unrealized gains (losses) on                       3.0       0.0      -3.3      -4.2      -4.9      -5.6      -5.8      -6.0          -6.0      -6.1      -7.3      -7.3
        available-for-sale securities (10)
  33  Offshore credit to U.S. residents (11)                38.5      37.0      36.3      32.2      27.8      26.7      24.8      24.0          24.5      23.3      22.6      22.6



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

  Footnotes appear on page 13.



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                                                                                                    January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,456.1   1,524.2   1,539.2   1,553.5   1,567.3   1,588.6   1,593.7   1,605.3       1,606.8   1,608.9   1,617.5   1,618.6

  2     Securities in bank credit                          424.6     448.9     452.9     455.0     456.7     459.0     454.0     452.1         451.5     452.8     454.4     455.3
  3        U.S. government securities                      318.6     333.6     337.0     337.2     338.8     339.5     334.1     330.6         329.8     330.4     333.3     334.7
  4        Other securities                                106.0     115.4     115.9     117.8     117.9     119.5     119.9     121.5         121.7     122.5     121.0     120.5

  5     Loans and leases in bank credit (2)              1,031.5   1,075.3   1,086.3   1,098.4   1,110.6   1,129.6   1,139.7   1,153.2       1,155.3   1,156.1   1,163.2   1,163.4
  6        Commercial and industrial                       188.3     199.5     202.3     204.1     207.0     212.7     215.6     217.0         217.3     217.2     219.1     219.8
  7        Real estate                                     576.2     610.6     617.9     625.9     631.3     642.7     649.1     655.2         656.3     655.7     659.1     659.9
  8          Revolving home equity                          28.1      29.1      29.3      29.4      29.3      29.8      30.1      30.7          30.7      30.8      31.2      31.2
  9          Other                                         548.1     581.5     588.6     596.6     602.0     612.9     619.0     624.5         625.6     624.9     627.9     628.7
  10       Consumer                                        191.5     195.0     194.6     195.9     198.8     200.5     200.1     205.1         206.0     208.1     209.0     207.3
  11       Security (3)                                      5.6       4.7       4.9       4.9       4.9       4.9       5.4       5.3           5.1       5.0       5.0       5.1
  12       Other loans and leases                           69.9      65.4      66.7      67.6      68.5      68.8      69.5      70.6          70.7      70.2      71.0      71.3

  13  Interbank loans                                       59.9      51.3      53.1      51.0      48.6      45.9      50.1      51.3          52.4      50.3      46.0      48.0

  14  Cash assets (4)                                       67.1      69.9      71.3      71.1      71.7      71.6      72.7      76.2          80.1      73.6      70.3      76.1

  15  Other assets (5)                                      67.2      73.6      76.8      79.1      79.2      83.1      82.3      83.1          83.9      80.7      87.9      87.8

  16  TOTAL ASSETS (6)                                   1,631.3   1,699.6   1,721.1   1,735.0   1,746.9   1,769.0   1,778.5   1,795.3       1,802.5   1,792.7   1,801.0   1,809.8

            L I A B I L I T I E S

  17  Deposits                                           1,303.0   1,348.7   1,360.8   1,368.7   1,371.3   1,389.1   1,399.7   1,417.2       1,424.9   1,413.9   1,422.0   1,433.1
  18    Transaction                                        278.6     281.1     280.8     282.4     279.7     279.7     277.1     276.0         282.7     275.7     264.9     276.1
  19    Nontransaction                                   1,024.5   1,067.6   1,080.1   1,086.3   1,091.6   1,109.4   1,122.6   1,141.2       1,142.2   1,138.2   1,157.1   1,157.0
  20       Large time                                      186.5     196.0     193.9     196.8     198.4     202.7     206.7     208.8         209.4     209.4     209.8     210.1
  21       Other                                           838.0     871.7     886.2     889.5     893.2     906.7     915.8     932.4         932.8     928.8     947.3     946.9

  22  Borrowings                                           171.0     188.1     199.2     200.9     206.0     206.2     205.0     212.3         212.2     219.4     223.9     221.5
  23    From banks in the U.S.                              81.3      87.5      94.5      93.2      93.5      89.8      87.8      87.4          88.5      91.9      88.5      89.3
  24    From others                                         89.7     100.6     104.6     107.8     112.5     116.5     117.2     124.9         123.7     127.5     135.5     132.2

  25  Net due to related foreign offices                     3.6       4.1       4.3       3.5       3.4       4.3       4.5       4.5           4.2       5.3       4.4       4.4

  26  Other liabilities                                     29.5      31.9      31.1      32.9      34.0      34.2      34.0      34.2          34.2      33.8      32.1      31.0

  27  TOTAL LIABILITIES                                  1,507.1   1,572.9   1,595.4   1,606.1   1,614.6   1,633.9   1,643.3   1,668.2       1,675.6   1,672.4   1,682.5   1,690.0

  28  Residual (assets less liabilities) (7)               124.2     126.7     125.7     129.0     132.2     135.1     135.2     127.1         126.9     120.3     118.5     119.8



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

  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                                                                                                January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        1,454.4   1,531.3   1,540.5   1,555.6   1,570.5   1,587.4   1,590.6   1,603.4       1,607.1   1,611.2   1,610.6   1,612.0

  2     Securities in bank credit                          424.2     450.8     451.2     453.4     454.4     455.9     451.7     452.0         452.0     453.8     453.8     455.4
  3        U.S. government securities                      318.5     335.4     335.5     335.4     337.0     336.5     331.8     330.7         330.4     331.0     333.0     335.0
  4        Other securities                                105.7     115.3     115.7     118.0     117.4     119.4     119.9     121.3         121.6     122.8     120.8     120.4

  5     Loans and leases in bank credit (2)              1,030.2   1,080.5   1,089.3   1,102.2   1,116.1   1,131.5   1,138.9   1,151.4       1,155.1   1,157.4   1,156.8   1,156.6
  6        Commercial and industrial                       187.4     201.4     202.1     202.9     205.9     211.2     214.1     216.1         216.7     217.4     218.5     218.6
  7        Real estate                                     574.5     613.4     620.0     628.1     634.6     644.2     649.5     653.4         654.4     654.8     654.3     655.5
  8          Revolving home equity                          28.3      28.9      29.1      29.2      29.6      30.0      30.4      30.9          30.9      31.1      31.1      31.2
  9          Other                                         546.3     584.5     590.9     598.8     605.1     614.1     619.2     622.5         623.5     623.7     623.2     624.3
  10       Consumer                                        193.5     194.3     194.0     196.5     199.9     201.2     200.6     206.9         209.2     210.6     209.1     208.1
  11       Security (3)                                      5.6       4.7       4.9       4.9       4.9       4.9       5.4       5.3           5.1       5.0       5.0       5.1
  12       Other loans and leases                           69.1      66.7      68.3      69.9      70.7      70.0      69.3      69.8          69.7      69.7      69.9      69.2

  13  Interbank loans                                       64.9      48.3      49.0      48.4      47.4      47.0      56.0      55.2          54.2      50.4      49.4      50.4

  14  Cash assets (4)                                       70.5      68.9      69.4      67.9      70.4      70.7      74.9      79.8          81.2      83.3      78.4      78.1

  15  Other assets (5)                                      67.1      75.2      78.0      79.8      79.6      83.1      84.0      83.1          81.6      82.6      88.1      82.1

  16  TOTAL ASSETS (6)                                   1,637.9   1,704.2   1,717.6   1,732.1   1,748.0   1,768.1   1,785.4   1,800.9       1,803.4   1,806.7   1,805.7   1,801.8

            L I A B I L I T I E S

  17  Deposits                                           1,309.1   1,352.1   1,358.3   1,367.4   1,374.3   1,393.0   1,412.3   1,421.8       1,423.0   1,421.8   1,428.4   1,428.5
  18    Transaction                                        289.3     280.0     276.8     275.5     276.8     276.7     280.8     286.4         289.7     294.9     282.6     282.3
  19    Nontransaction                                   1,019.7   1,072.1   1,081.4   1,091.8   1,097.6   1,116.3   1,131.5   1,135.4       1,133.3   1,126.9   1,145.8   1,146.2
  20       Large time                                      186.5     196.0     193.9     196.8     198.4     202.7     206.7     208.8         209.4     209.4     209.8     210.1
  21       Other                                           833.3     876.1     887.5     895.0     899.2     913.6     924.8     926.6         923.9     917.5     936.0     936.1

  22  Borrowings                                           172.9     189.3     199.0     201.0     208.7     209.1     207.3     214.3         218.4     222.5     218.2     219.4
  23    From banks in the U.S.                              83.3      87.8      93.7      92.4      94.0      91.7      89.6      89.5          92.2      94.7      87.3      89.2
  24    From others                                         89.7     101.5     105.3     108.5     114.7     117.4     117.7     124.9         126.1     127.7     130.9     130.2

  25  Net due to related foreign offices                     3.6       4.1       4.3       3.5       3.4       4.3       4.5       4.5           4.2       5.3       4.4       4.4

  26  Other liabilities                                     28.9      31.7      31.2      32.7      33.3      33.4      33.3      33.6          33.1      33.3      32.9      31.8

  27  TOTAL LIABILITIES                                  1,514.5   1,577.2   1,592.7   1,604.5   1,619.7   1,639.8   1,657.5   1,674.2       1,678.7   1,682.8   1,683.8   1,684.0

  28  Residual (assets less liabilities) (7)               123.5     127.0     124.9     127.7     128.3     128.4     127.9     126.6         124.7     123.9     121.9     117.8

               MEMO
  31  Mortgage-backed securities (9)                        52.4      64.7      65.2      64.8      65.2      67.6      66.3      66.3          65.9      66.3      68.2      68.5



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

  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                                                                                                                          January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          598.6     533.2     522.7     524.1     519.2     527.8     548.7     555.8         556.7     552.9     544.6     545.8

  2     Securities in bank credit                          213.9     196.8     190.5     190.1     189.5     193.2     197.9     205.4         209.1     206.8     199.3     198.1
  3        U.S. government securities                       83.7      86.7      86.2      84.1      81.8      82.2      79.7      81.7          84.0      82.5      79.9      79.7
  4        Other securities                                130.2     110.0     104.2     106.0     107.7     111.1     118.2     123.7         125.1     124.3     119.5     118.4

  5     Loans and leases in bank credit (2)                384.8     336.4     332.3     334.0     329.7     334.6     350.8     350.4         347.6     346.1     345.3     347.7
  6        Commercial and industrial                       218.4     196.7     193.4     195.6     197.3     199.1     201.0     195.6         195.7     192.7     192.2     194.7
  7        Real estate                                      21.5      19.2      18.5      17.6      17.6      17.8      17.4      17.3          17.4      17.3      17.1      17.4
  11       Security (3)                                     66.3      52.0      52.8      55.0      51.4      54.8      65.3      66.8          63.7      64.6      66.0      64.5
  12       Other loans and leases                           78.6      68.5      67.5      65.8      63.4      62.9      67.0      70.7          70.7      71.5      70.1      71.1

  13  Interbank loans                                       27.9      24.5      27.5      25.7      22.9      22.9      22.8      25.5          25.5      26.4      27.0      26.6

  14  Cash assets (4)                                       35.6      33.5      35.2      38.0      40.9      44.1      50.4      54.6          54.9      54.4      54.3      56.0

  15  Other assets (5)                                      38.4      33.6      32.3      29.0      29.3      31.8      34.8      37.6          39.9      37.2      37.3      39.2

  16  TOTAL ASSETS (6)                                     700.3     624.6     617.5     616.6     612.0     626.4     656.5     673.2         676.7     670.5     662.9     667.2

            L I A B I L I T I E S

  17  Deposits                                             308.4     305.7     309.1     308.9     310.9     332.2     358.9     379.5         380.2     376.1     395.8     395.7
  18    Transaction                                         11.4      10.9      10.9      11.0      10.9      11.5      11.3      11.5          11.7      11.8      10.5      11.1
  19    Nontransaction                                     296.9     294.8     298.2     297.9     300.0     320.7     347.6     367.9         368.5     364.3     385.3     384.6

  22  Borrowings                                           204.0     181.9     173.2     172.9     169.8     175.6     184.2     179.5         175.6     182.1     177.5     179.5
  23    From banks in the U.S.                              26.8      27.5      24.4      23.6      25.2      22.9      26.9      25.4          23.4      29.0      23.2      21.6
  24    From others                                        177.2     154.4     148.8     149.4     144.6     152.7     157.3     154.1         152.2     153.1     154.3     157.9

  25  Net due to related foreign offices                   101.5      64.6      71.9      72.0      66.1      53.4      44.1      37.1          41.0      32.2      27.5      29.5

  26  Other liabilities                                     77.1      65.6      62.7      61.7      64.6      65.8      67.3      70.5          71.2      71.5      65.5      67.2

  27  TOTAL LIABILITIES                                    691.0     617.7     616.9     615.5     611.4     627.0     654.5     666.6         668.0     661.8     666.3     672.0

  28  Residual (assets less liabilities) (7)                 9.4       6.8       0.6       1.1       0.6      -0.6       2.0       6.6           8.6       8.7      -3.4      -4.7



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

  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                                                                                                                      January 21, 2000


               Account                                    1998      1999      1999      1999      1999      1999      1999      1999                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 22    Dec 29     Jan 5    Jan 12
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          601.5     530.0     519.5     520.3     518.3     531.8     551.8     559.0         559.6     562.1     551.4     549.6

  2     Securities in bank credit                          212.5     195.8     188.8     188.8     188.8     196.0     201.0     204.5         206.5     205.9     199.7     199.1
  3        U.S. government securities                       83.9      87.1      85.7      83.1      80.8      82.1      80.1      82.0          83.6      82.8      79.7      80.0
  3a         Trading account                                17.4      21.9      20.0      17.3      15.6      14.9       9.2       7.7           8.4       8.1       6.7       7.5
  3b         Investment account                             66.5      65.2      65.8      65.8      65.2      67.2      70.9      74.4          75.2      74.7      73.0      72.5
  4        Other securities                                128.6     108.7     103.1     105.7     108.0     114.0     120.9     122.4         122.9     123.1     120.0     119.1
  4a         Trading account                                77.7      65.3      60.8      64.9      69.7      75.0      80.7      80.6          80.5      80.6      77.6      76.5
  4b         Investment account                             50.9      43.4      42.3      40.9      38.2      39.0      40.2      41.9          42.5      42.5      42.4      42.6

  5     Loans and leases in bank credit (2)                389.0     334.2     330.7     331.5     329.5     335.8     350.8     354.5         353.1     356.1     351.7     350.5
  6        Commercial and industrial                       221.1     195.0     192.6     193.9     197.0     200.2     202.3     198.3         199.1     198.0     195.9     196.6
  7        Real estate                                      21.6      19.0      18.3      17.5      17.6      18.0      17.6      17.4          17.4      17.3      17.3      17.6
  11       Security (3)                                     66.8      52.2      52.4      55.0      51.6      54.5      64.5      67.3          64.6      66.6      66.6      64.2
  12       Other loans and leases                           79.5      68.0      67.3      65.1      63.4      63.2      66.4      71.6          72.0      74.3      72.0      72.2

  13  Interbank loans                                       27.9      24.5      27.5      25.7      22.9      22.9      22.8      25.5          25.5      26.4      27.0      26.6

  14  Cash assets (4)                                       37.1      34.3      35.1      37.7      40.6      44.7      51.2      56.9          57.9      57.6      56.0      56.8

  15  Other assets (5)                                      39.8      32.5      31.6      29.6      29.7      31.7      35.0      39.0          41.1      37.9      37.8      39.9

  16  TOTAL ASSETS (6)                                     706.2     621.2     613.4     613.1     611.2     630.9     660.5     680.1         683.9     683.7     671.9     672.7

            L I A B I L I T I E S

  17  Deposits                                             312.0     306.4     306.7     306.3     310.4     332.2     358.3     383.8         387.0     383.4     394.0     392.0
  18    Transaction                                         11.9      10.7      10.8      10.9      11.4      11.5      11.2      11.9          12.3      12.6      11.0      11.1
  19    Nontransaction                                     300.2     295.7     295.9     295.4     299.1     320.7     347.1     371.9         374.7     370.8     383.1     380.9

  22  Borrowings                                           204.0     181.9     173.2     172.9     169.8     175.6     184.2     179.5         175.6     182.1     177.5     179.5
  23    From banks in the U.S.                              26.8      27.5      24.4      23.6      25.2      22.9      26.9      25.4          23.4      29.0      23.2      21.6
  24    From others                                        177.2     154.4     148.8     149.4     144.6     152.7     157.3     154.1         152.2     153.1     154.3     157.9

  25  Net due to related foreign offices                   107.7      63.2      69.3      69.9      64.5      55.2      46.8      42.2          46.3      42.8      31.0      31.0

  26  Other liabilities                                     78.5      65.1      61.8      61.8      64.3      65.2      68.2      71.9          72.4      73.1      65.6      67.0

  27  TOTAL LIABILITIES                                    702.2     616.6     610.9     610.9     609.0     628.2     657.5     677.4         681.3     681.2     668.1     669.6

  28  Residual (assets less liabilities) (7)                 4.0       4.5       2.5       2.2       2.2       2.7       3.0       2.7           2.6       2.5       3.8       3.1

                  MEMO
  29  Reval. gains on off-bal. sheet items (8)              48.5      38.4      37.5      38.1      38.4      39.4      40.6      39.8          39.1      40.0      37.7      37.2
  30  Reval. losses on off-bal. sheet items (8)             45.1      37.6      36.2      36.3      37.4      38.1      39.4      38.7          38.4      39.2      37.1      36.5



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

  Footnotes appear on page 13.




  H.8 (510)       Footnotes                                                                                                                                                Page 13
                                                                                                                                                                  January 21, 2000

  Current and historical H.8 data are available on the Federal Reserve Board's web site (http://www.federalreserve.gov).  For information about individual copies or subscriptions,
  contact Publications Services at the Federal Reserve Board (phone 202-452-3244, fax 202-728-5886).  For paid electronic access to current and historical data, call STAT-USA at
  1-800-782-8872 or 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 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 $0.3 billion in assets and liabilities of nonbank institutions in the week ending January 12, 2000.   The major items
  affected were (in billions): U.S. government securities, $0.1, real estate loans, revolving home equity, $0.1; and real estate loans, other, $0.1.  The major liability item
  affected was nontransaction deposits, other, $0.3.

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