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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,548.8 4,553.7 4,549.7 4,582.8 4,607.5 4,636.6 4,704.0 4,783.4 4,773.3 4,794.5 4,796.3 4,802.3 2 Securities in bank credit 1,226.5 1,211.7 1,227.1 1,242.4 1,246.5 1,253.4 1,249.1 1,267.9 1,260.7 1,262.1 1,261.1 1,263.7 3 U.S. government securities 793.2 811.2 814.4 820.1 817.6 812.6 798.8 803.8 801.1 807.3 805.7 811.0 4 Other securities 433.4 400.5 412.8 422.3 428.9 440.8 450.4 464.0 459.5 454.9 455.4 452.8 5 Loans and leases in bank credit (2) 3,322.3 3,342.0 3,322.5 3,340.4 3,361.0 3,383.2 3,454.9 3,515.5 3,512.6 3,532.4 3,535.3 3,538.6 6 Commercial and industrial 952.5 963.5 965.3 972.7 980.7 986.1 1,005.7 1,008.2 999.3 1,007.2 1,012.8 1,016.5 7 Real estate 1,338.2 1,365.9 1,367.4 1,379.7 1,396.4 1,419.1 1,433.7 1,471.7 1,483.8 1,490.7 1,495.5 1,487.2 8 Revolving home equity 102.4 103.8 98.0 98.7 98.5 99.1 100.6 106.1 108.3 109.2 109.6 110.0 9 Other 1,235.7 1,262.1 1,269.4 1,281.1 1,298.0 1,320.0 1,333.0 1,365.6 1,375.5 1,381.5 1,386.0 1,377.3 10 Consumer 497.9 491.2 481.2 480.2 481.1 481.5 485.1 495.7 500.3 500.3 502.0 506.2 11 Security (3) 150.7 131.0 122.4 122.4 116.2 111.0 134.0 155.4 147.6 153.0 142.9 143.7 12 Other loans and leases 383.0 390.5 386.2 385.4 386.6 385.4 396.4 384.6 381.7 381.2 382.0 385.0 13 Interbank loans 217.6 224.8 224.3 215.0 207.9 218.6 214.3 218.4 209.5 208.9 208.7 226.3 14 Cash assets (4) 252.7 260.7 257.8 252.4 262.5 269.7 276.0 290.3 281.6 290.2 286.8 292.3 15 Other assets (5) 341.8 345.7 347.1 344.9 355.3 358.1 365.9 370.9 378.6 389.2 389.3 382.5 16 TOTAL ASSETS (6) 5,302.9 5,326.2 5,320.8 5,336.5 5,374.1 5,423.6 5,500.7 5,602.9 5,582.6 5,623.0 5,622.2 5,644.2 L I A B I L I T I E S 17 Deposits 3,338.2 3,377.2 3,389.8 3,384.3 3,394.8 3,435.0 3,479.9 3,531.1 3,530.2 3,546.4 3,562.7 3,561.2 18 Transaction 670.8 654.9 648.6 635.9 634.0 631.1 624.0 631.6 595.3 615.1 642.4 648.3 19 Nontransaction 2,667.5 2,722.3 2,741.2 2,748.4 2,760.9 2,803.9 2,856.0 2,899.4 2,934.9 2,931.2 2,920.3 2,913.0 20 Large time 717.4 718.8 721.1 717.9 728.3 766.8 804.6 834.1 851.0 850.2 843.0 840.5 21 Other 1,950.1 2,003.5 2,020.2 2,030.4 2,032.6 2,037.2 2,051.3 2,065.3 2,083.8 2,081.0 2,077.4 2,072.5 22 Borrowings 1,021.7 1,017.9 1,019.4 1,026.3 1,045.7 1,049.0 1,063.9 1,124.5 1,136.8 1,147.6 1,113.7 1,131.7 23 From banks in the U.S. 319.6 336.5 337.1 336.4 340.5 350.1 351.8 348.8 359.6 359.2 356.1 370.0 24 From others 702.0 681.4 682.3 689.8 705.2 698.9 712.1 775.7 777.2 788.3 757.6 761.7 25 Net due to related foreign offices 213.9 210.2 217.0 222.5 218.3 219.6 225.9 221.3 230.0 220.5 234.7 217.0 26 Other liabilities 306.9 279.6 273.7 279.6 282.6 289.9 295.7 298.0 284.0 284.5 276.8 287.3 27 TOTAL LIABILITIES 4,880.7 4,884.9 4,900.0 4,912.7 4,941.5 4,993.5 5,065.5 5,174.9 5,181.0 5,199.0 5,187.9 5,197.2 28 Residual (assets less liabilities) (7) 422.3 441.3 420.8 423.8 432.6 430.1 435.2 428.0 401.7 424.1 434.3 447.0 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,564.1 4,547.5 4,533.7 4,561.8 4,597.6 4,641.1 4,718.0 4,799.7 4,795.0 4,807.9 4,808.1 4,800.4 2 Securities in bank credit 1,228.3 1,208.4 1,216.0 1,229.5 1,235.4 1,250.0 1,255.6 1,271.9 1,266.8 1,267.8 1,264.4 1,266.0 3 U.S. government securities 794.0 810.7 806.5 808.3 807.5 807.0 800.9 805.1 802.1 808.5 806.2 810.7 4 Other securities 434.3 397.7 409.4 421.2 427.9 443.0 454.6 466.8 464.7 459.3 458.2 455.4 5 Loans and leases in bank credit (2) 3,335.9 3,339.1 3,317.7 3,332.3 3,362.2 3,391.1 3,462.5 3,527.8 3,528.2 3,540.1 3,543.7 3,534.4 6 Commercial and industrial 952.5 963.7 962.9 964.0 976.7 987.2 1,005.8 1,007.3 1,001.9 1,003.7 1,010.7 1,012.3 7 Real estate 1,340.1 1,366.4 1,368.4 1,382.3 1,400.0 1,422.8 1,438.4 1,474.2 1,483.4 1,492.8 1,496.2 1,484.3 8 Revolving home equity 102.8 103.4 97.9 98.9 99.2 99.8 101.5 106.5 108.5 109.4 109.6 109.9 9 Other 1,237.3 1,263.0 1,270.6 1,283.5 1,300.9 1,323.0 1,336.9 1,367.7 1,374.9 1,383.5 1,386.6 1,374.4 10 Consumer 503.2 488.5 478.8 481.3 484.1 482.2 485.3 500.6 507.0 507.0 508.1 511.7 11 Security (3) 152.8 130.4 120.4 118.7 112.8 111.9 135.4 157.5 146.5 153.6 143.4 142.8 12 Other loans and leases 387.3 390.1 387.1 385.9 388.5 387.1 397.5 388.2 389.4 382.9 385.4 383.3 13 Interbank loans 225.8 222.1 218.1 207.3 204.4 215.2 220.9 224.9 216.0 212.1 212.0 220.5 14 Cash assets (4) 267.8 256.2 250.0 242.0 259.8 270.0 283.2 306.9 308.2 297.1 321.4 290.7 15 Other assets (5) 342.6 351.6 349.8 347.7 357.3 355.5 364.4 371.7 376.5 377.1 379.0 371.5 16 TOTAL ASSETS (6) 5,342.5 5,318.6 5,293.4 5,300.0 5,359.8 5,422.5 5,526.9 5,643.2 5,635.8 5,634.8 5,661.9 5,624.4 L I A B I L I T I E S 17 Deposits 3,372.0 3,375.2 3,373.5 3,370.4 3,393.4 3,437.5 3,506.3 3,563.5 3,572.9 3,554.6 3,573.4 3,514.9 18 Transaction 704.9 650.1 637.9 619.6 628.2 622.9 633.6 664.2 644.5 631.3 669.6 631.1 19 Nontransaction 2,667.1 2,725.2 2,735.6 2,750.8 2,765.3 2,814.7 2,872.7 2,899.2 2,928.4 2,923.3 2,903.9 2,883.8 20 Large time 722.0 716.1 714.4 715.3 729.7 768.4 809.8 840.0 849.5 848.9 839.2 838.8 21 Other 1,945.1 2,009.1 2,021.3 2,035.5 2,035.6 2,046.3 2,062.9 2,059.3 2,079.0 2,074.4 2,064.6 2,045.0 22 Borrowings 1,024.2 1,021.5 1,010.1 1,002.8 1,040.6 1,051.8 1,070.9 1,127.2 1,135.3 1,150.8 1,146.6 1,163.1 23 From banks in the U.S. 325.5 336.4 332.5 329.3 336.8 347.8 356.2 355.2 361.4 361.8 366.3 378.1 24 From others 698.6 685.1 677.6 673.5 703.8 704.0 714.7 771.9 773.9 789.0 780.3 785.0 25 Net due to related foreign offices 219.1 204.4 209.2 217.4 214.3 221.3 227.6 226.8 221.7 219.2 235.2 235.0 26 Other liabilities 307.6 279.0 272.9 279.6 281.6 288.4 295.9 298.8 284.8 285.1 277.0 288.5 27 TOTAL LIABILITIES 4,922.8 4,880.1 4,865.7 4,870.2 4,930.0 4,999.0 5,100.7 5,216.3 5,214.8 5,209.7 5,232.3 5,201.4 28 Residual (assets less liabilities) (7) 419.7 438.5 427.7 429.8 429.8 423.5 426.3 426.9 421.1 425.1 429.6 422.9 MEMO 29 Reval. gains on off-bal. sheet items (8) 116.5 93.0 92.0 96.5 98.5 100.3 100.4 104.3 101.3 99.2 100.5 100.3 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 99.2 97.8 98.7 98.4 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,950.2 4,020.5 4,027.0 4,058.8 4,088.3 4,108.8 4,155.3 4,226.9 4,225.0 4,248.2 4,250.9 4,248.2 2 Securities in bank credit 1,012.7 1,015.0 1,036.7 1,052.3 1,057.1 1,060.2 1,051.2 1,062.3 1,060.0 1,063.8 1,064.0 1,065.3 3 U.S. government securities 709.5 724.5 728.1 736.0 735.9 730.5 719.1 722.0 720.7 727.5 727.7 730.4 4 Other securities 303.2 290.5 308.5 316.3 321.2 329.7 332.2 340.2 339.3 336.3 336.3 334.9 5 Loans and leases in bank credit (2) 2,937.5 3,005.6 2,990.3 3,006.4 3,031.2 3,048.6 3,104.1 3,164.7 3,165.0 3,184.4 3,186.9 3,183.0 6 Commercial and industrial 734.1 766.8 771.9 777.1 783.4 787.0 804.8 812.4 805.8 812.3 815.9 819.7 7 Real estate 1,316.7 1,346.7 1,348.9 1,362.1 1,378.8 1,401.3 1,416.2 1,454.4 1,466.6 1,473.3 1,478.0 1,469.4 8 Revolving home equity 102.4 103.8 98.0 98.7 98.5 99.1 100.6 106.1 108.3 109.2 109.6 110.0 9 Other 1,214.2 1,242.9 1,250.8 1,263.5 1,280.4 1,302.2 1,315.6 1,348.3 1,358.3 1,364.1 1,368.4 1,359.5 10 Consumer 497.9 491.2 481.2 480.2 481.1 481.5 485.1 495.7 500.3 500.3 502.0 506.2 11 Security (3) 84.4 79.0 69.6 67.5 64.7 56.2 68.7 88.5 81.1 88.5 78.2 72.7 12 Other loans and leases 304.4 322.0 318.7 319.6 323.2 322.5 329.4 313.8 311.1 310.0 312.9 314.9 13 Interbank loans 189.6 200.3 196.8 189.3 185.0 195.7 191.5 192.9 182.3 182.3 185.1 200.5 14 Cash assets (4) 217.1 227.2 222.6 214.3 221.7 225.6 225.6 235.6 226.9 234.2 233.3 240.4 15 Other assets (5) 303.4 312.1 314.8 315.9 326.0 326.2 331.1 333.3 341.1 349.9 348.0 343.1 16 TOTAL ASSETS (6) 4,602.6 4,701.7 4,703.3 4,719.9 4,762.1 4,797.3 4,844.2 4,928.9 4,915.3 4,955.1 4,958.8 4,973.2 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 3,083.9 3,102.8 3,121.0 3,152.2 3,138.2 3,151.1 3,178.0 3,177.5 18 Transaction 659.4 644.0 637.7 624.9 623.1 619.5 612.7 620.1 584.8 604.1 631.2 636.7 19 Nontransaction 2,370.5 2,427.5 2,443.0 2,450.5 2,460.8 2,483.2 2,508.3 2,532.1 2,553.4 2,547.1 2,546.8 2,540.8 20 Large time 421.1 426.2 425.7 424.0 433.4 447.8 458.8 467.7 471.3 468.0 470.3 470.2 21 Other 1,949.4 2,001.3 2,017.3 2,026.4 2,027.4 2,035.4 2,049.5 2,064.5 2,082.1 2,079.1 2,076.4 2,070.5 22 Borrowings 817.7 836.0 846.1 853.4 876.0 873.4 879.6 945.3 961.1 968.3 933.9 950.0 23 From banks in the U.S. 292.8 309.0 312.7 312.9 315.3 327.2 324.8 323.4 336.7 337.7 333.3 346.5 24 From others 524.9 527.1 533.5 540.5 560.7 546.2 554.8 621.9 624.4 630.6 600.7 603.6 25 Net due to related foreign offices 112.4 145.6 145.2 150.5 152.2 166.2 182.0 182.3 191.7 189.5 198.3 183.4 26 Other liabilities 229.7 214.1 211.0 218.0 218.0 224.1 228.4 227.6 218.5 217.3 209.8 219.8 27 TOTAL LIABILITIES 4,189.7 4,267.2 4,283.1 4,297.2 4,330.1 4,366.5 4,411.1 4,507.5 4,509.5 4,526.3 4,519.9 4,530.8 28 Residual (assets less liabilities) (7) 412.9 434.5 420.2 422.6 432.0 430.8 433.2 421.4 405.7 428.9 438.8 442.4 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,962.6 4,017.5 4,014.1 4,041.4 4,079.3 4,109.3 4,166.2 4,240.0 4,239.9 4,257.7 4,260.0 4,245.9 2 Securities in bank credit 1,015.8 1,012.6 1,027.1 1,040.7 1,046.6 1,054.0 1,054.6 1,067.2 1,065.8 1,068.5 1,067.7 1,068.1 3 U.S. government securities 710.1 723.6 720.8 725.2 726.6 724.9 720.8 723.0 721.9 728.4 728.5 731.5 4 Other securities 305.7 289.0 306.3 315.5 320.0 329.1 333.7 344.2 343.9 340.1 339.2 336.6 5 Loans and leases in bank credit (2) 2,946.8 3,004.9 2,987.0 3,000.7 3,032.7 3,055.3 3,111.7 3,172.8 3,174.1 3,189.2 3,192.3 3,177.8 6 Commercial and industrial 731.4 768.7 770.3 770.1 779.8 787.0 803.5 808.8 804.7 806.9 812.3 814.8 7 Real estate 1,318.6 1,347.5 1,350.1 1,364.8 1,382.4 1,404.8 1,420.8 1,456.8 1,466.0 1,475.3 1,478.5 1,466.5 8 Revolving home equity 102.8 103.4 97.9 98.9 99.2 99.8 101.5 106.5 108.5 109.4 109.6 109.9 9 Other 1,215.7 1,244.1 1,252.2 1,266.0 1,283.2 1,305.0 1,319.3 1,350.3 1,357.5 1,365.9 1,368.9 1,356.5 10 Consumer 503.2 488.5 478.8 481.3 484.1 482.2 485.3 500.6 507.0 507.0 508.1 511.7 11 Security (3) 86.0 78.2 68.0 63.7 61.2 57.3 70.9 90.2 79.5 89.3 78.4 72.4 12 Other loans and leases 307.7 322.0 319.9 320.8 325.1 323.9 331.2 316.5 316.9 310.7 314.9 312.5 13 Interbank loans 197.9 197.6 190.5 181.6 181.5 192.2 198.1 199.4 188.9 185.5 188.4 194.7 14 Cash assets (4) 230.7 221.9 214.9 204.3 219.2 225.3 232.0 250.0 251.8 240.2 267.0 238.4 15 Other assets (5) 302.8 319.0 318.2 318.1 327.7 323.8 329.4 332.6 338.4 337.1 337.8 332.2 16 TOTAL ASSETS (6) 4,636.3 4,697.4 4,679.9 4,686.9 4,748.6 4,791.6 4,866.4 4,962.2 4,959.4 4,961.4 4,995.0 4,952.8 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 3,182.8 3,163.1 3,193.4 3,133.3 18 Transaction 693.0 639.4 627.1 608.7 616.8 611.4 622.4 652.3 633.6 620.2 658.2 619.8 19 Nontransaction 2,366.9 2,429.4 2,439.8 2,455.4 2,466.2 2,493.9 2,525.5 2,528.0 2,549.1 2,542.9 2,535.2 2,513.6 20 Large time 423.6 422.6 420.8 422.2 432.9 449.9 464.9 470.9 472.4 470.7 472.8 471.7 21 Other 1,943.3 2,006.8 2,019.0 2,033.2 2,033.3 2,044.1 2,060.6 2,057.0 2,076.7 2,072.1 2,062.4 2,041.9 22 Borrowings 820.2 839.6 836.8 829.9 870.9 876.2 886.6 947.9 959.5 971.5 966.9 981.5 23 From banks in the U.S. 298.7 308.8 308.1 305.8 311.6 324.9 329.2 329.8 338.5 340.2 343.5 354.5 24 From others 521.5 530.8 528.7 524.1 559.2 551.3 557.4 618.1 621.1 631.3 623.4 626.9 25 Net due to related foreign offices 111.4 141.2 139.9 147.5 149.8 166.1 181.0 182.8 179.8 186.6 198.0 198.0 26 Other liabilities 229.1 213.9 211.1 217.7 217.3 223.3 227.7 226.9 219.3 218.1 210.2 220.3 27 TOTAL LIABILITIES 4,220.7 4,263.5 4,254.7 4,259.3 4,321.0 4,370.8 4,443.2 4,538.0 4,541.4 4,539.3 4,568.5 4,533.1 28 Residual (assets less liabilities) (7) 415.7 433.9 425.2 427.6 427.6 420.7 423.2 424.3 418.0 422.1 426.5 419.7 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 63.3 62.0 62.6 62.2 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 62.0 61.2 61.6 61.1 31 Mortgage-backed securities (9) 345.7 333.9 339.1 343.2 345.9 346.5 348.1 348.1 349.7 349.7 347.5 348.2 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,494.8 2,497.2 2,488.5 2,506.1 2,521.9 2,520.9 2,562.4 2,622.3 2,608.1 2,621.7 2,625.7 2,625.7 2 Securities in bank credit 588.3 566.3 583.9 597.5 600.6 601.5 597.5 610.4 605.8 606.4 607.5 608.5 3 U.S. government securities 391.1 391.1 391.3 399.0 397.3 391.2 385.2 391.6 387.6 391.3 391.8 394.1 3a Trading account 23.0 25.1 22.7 23.3 20.9 20.0 18.0 19.4 18.9 19.1 20.4 23.9 3b Investment account 368.1 366.0 368.6 375.8 376.4 371.2 367.2 372.2 368.7 372.2 371.5 370.2 4 Other securities 197.2 175.1 192.6 198.5 203.3 210.3 212.4 218.7 218.2 215.1 215.6 214.4 4a Trading account 100.2 71.1 73.6 77.5 78.1 81.7 82.4 87.1 84.9 80.7 80.2 80.4 4b Investment account 97.0 104.0 119.0 121.0 125.2 128.5 129.9 131.7 133.3 134.5 135.4 134.0 4c State and local government 24.8 25.3 25.4 25.7 25.7 25.8 26.4 26.4 26.4 26.6 26.8 26.8 4d Other 72.2 78.7 93.5 95.3 99.5 102.7 103.5 105.3 106.8 107.9 108.6 107.1 5 Loans and leases in bank credit (2) 1,906.5 1,930.9 1,904.6 1,908.6 1,921.3 1,919.4 1,964.9 2,012.0 2,002.3 2,015.3 2,018.2 2,017.1 6 Commercial and industrial 546.0 567.3 569.7 573.2 576.6 574.4 589.3 595.6 586.9 591.6 595.2 598.9 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 1.0 6b Other 544.7 566.3 568.7 572.1 575.4 573.3 588.2 594.5 585.8 590.5 594.1 597.9 7 Real estate 740.8 736.7 731.5 736.7 748.0 758.8 767.4 799.4 807.8 810.3 814.9 808.6 8 Revolving home equity 74.4 74.7 68.7 69.3 69.1 69.2 70.5 75.4 77.1 77.8 78.1 78.6 9 Other 666.4 662.0 662.8 667.4 679.0 689.7 696.9 724.0 730.6 732.5 736.7 729.9 10 Consumer 306.3 296.1 286.6 284.2 282.3 281.1 285.0 290.6 291.4 291.6 293.5 297.7 11 Security (3) 78.8 74.3 64.7 62.6 59.8 51.3 63.3 83.2 76.1 83.4 73.1 67.8 11a Fed funds and RPs with broker/dealer 62.9 55.8 47.0 45.4 42.2 34.2 45.2 63.4 58.1 61.1 51.6 47.3 11b Other 15.9 18.5 17.8 17.2 17.6 17.0 18.1 19.8 18.1 22.3 21.5 20.4 12a State and local government 11.7 11.8 12.0 12.2 12.3 12.3 12.2 12.1 12.2 12.2 12.4 12.3 12b Agricultural 9.1 8.7 8.7 8.9 9.2 9.6 9.6 9.6 9.7 9.8 9.8 9.9 12c Fed funds and RPs with others 17.2 16.4 4.8 7.9 11.2 10.0 12.3 11.8 11.4 10.8 11.3 11.6 12d All other loans 90.0 99.4 104.5 99.6 97.2 94.8 96.7 79.7 76.6 75.9 78.1 80.2 12e Lease financing receivables 106.5 120.2 121.9 123.3 124.7 127.0 129.2 130.0 130.3 129.8 129.8 130.2 13 Interbank loans 129.8 149.0 143.8 138.3 136.4 149.8 141.4 141.6 136.3 134.3 134.4 148.5 13a Fed funds and RPs with banks 80.0 90.3 92.0 86.8 83.9 92.4 73.8 70.9 64.5 61.3 62.9 75.8 13b Other 49.8 58.7 51.8 51.5 52.6 57.4 67.6 70.7 71.9 73.0 71.5 72.7 14 Cash assets (4) 150.0 157.3 151.4 143.3 150.0 154.1 152.9 159.5 156.6 164.2 162.1 162.4 15 Other assets (5) 236.2 238.5 238.2 236.8 246.9 243.2 248.9 250.2 253.4 259.3 261.2 259.8 16 TOTAL ASSETS (6) 2,972.1 3,003.0 2,983.2 2,985.8 3,016.2 3,029.0 3,066.6 3,134.4 3,115.1 3,140.8 3,145.6 3,158.2 ------------------------------------------------- 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) February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,727.7 1,723.6 1,720.7 1,707.5 1,713.5 1,714.5 1,722.1 1,735.9 1,716.8 1,721.8 1,744.8 1,731.7 18 Transaction 381.0 363.2 357.2 342.7 343.6 340.0 335.7 344.3 320.3 332.2 353.1 346.3 19 Nontransaction 1,346.6 1,360.4 1,363.5 1,364.8 1,369.9 1,374.5 1,386.4 1,391.5 1,396.5 1,389.6 1,391.7 1,385.4 20 Large time 234.8 230.3 231.9 227.4 235.2 245.3 252.3 259.0 261.6 258.2 259.9 260.1 21 Other 1,111.9 1,130.1 1,131.7 1,137.5 1,134.7 1,129.2 1,134.1 1,132.5 1,134.9 1,131.4 1,131.8 1,125.4 22 Borrowings 646.7 647.9 647.0 652.4 669.9 667.0 674.5 732.9 737.0 746.8 717.6 730.4 23 From banks in the U.S. 211.5 221.4 218.2 219.7 221.8 237.5 237.0 236.0 248.2 248.6 244.4 254.6 24 From others 435.2 426.5 428.8 432.7 448.1 429.6 437.5 496.9 488.8 498.2 473.2 475.8 25 Net due to related foreign offices 108.8 141.5 140.9 147.0 148.8 161.9 177.5 177.9 187.6 184.5 193.3 178.4 26 Other liabilities 200.3 182.2 179.9 185.1 184.1 189.9 194.4 193.3 186.4 184.7 176.8 189.1 27 TOTAL LIABILITIES 2,683.5 2,695.2 2,688.5 2,692.0 2,716.3 2,733.3 2,768.5 2,840.0 2,827.7 2,837.8 2,832.5 2,829.7 28 Residual (assets less liabilities) (7) 288.6 307.8 294.7 293.8 300.0 295.7 298.0 294.4 287.3 303.0 313.1 328.5 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,509.0 2,487.0 2,474.4 2,486.6 2,509.7 2,522.6 2,576.3 2,637.4 2,629.8 2,637.9 2,640.7 2,630.2 2 Securities in bank credit 591.8 562.0 576.1 587.5 592.5 598.4 603.1 615.5 612.1 610.9 611.3 612.0 3 U.S. government securities 391.8 388.3 385.5 390.0 389.9 388.6 389.2 392.5 389.1 391.9 392.7 395.8 3a Trading account 23.7 23.5 20.9 22.2 20.7 20.8 19.9 20.0 18.7 19.3 21.3 23.9 3b Investment account 368.1 364.8 364.6 367.9 369.2 367.8 369.3 372.5 370.3 372.7 371.4 371.9 3c Mortgage-backed 263.4 240.3 239.0 242.8 245.9 244.0 244.4 244.2 243.9 243.9 242.0 242.8 3d Other 104.7 124.5 125.5 125.1 123.2 123.7 124.9 128.4 126.4 128.8 129.4 129.1 3e 1 year or less 27.7 25.6 25.6 25.2 24.8 25.6 23.9 25.2 24.0 25.7 26.0 25.8 3f Between 1 and 5 years 40.1 58.5 59.7 59.9 59.1 59.9 60.6 61.5 60.4 60.7 61.5 61.2 3g More than 5 years 36.9 40.4 40.3 40.0 39.4 38.3 40.4 41.7 42.0 42.4 41.9 42.1 4 Other securities 200.0 173.7 190.6 197.4 202.6 209.8 213.9 222.9 223.0 219.0 218.6 216.2 4a Trading account 100.2 71.1 73.6 77.5 78.1 81.7 82.4 87.1 84.9 80.7 80.2 80.4 4b Investment account 99.8 102.6 117.0 120.0 124.5 128.1 131.5 135.8 138.1 138.3 138.3 135.7 4c State and local government 25.0 25.1 25.0 25.4 25.6 25.9 26.6 26.6 26.8 26.9 27.0 27.1 4d Other 74.8 77.5 92.0 94.6 98.9 102.2 104.9 109.2 111.3 111.5 111.3 108.7 5 Loans and leases in bank credit (2) 1,917.2 1,925.0 1,898.3 1,899.2 1,917.2 1,924.2 1,973.2 2,021.9 2,017.7 2,026.9 2,029.4 2,018.2 6 Commercial and industrial 544.1 567.3 568.2 567.4 574.1 575.9 589.6 592.9 586.3 587.3 592.5 594.8 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 1.0 6b Other 542.8 566.3 567.2 566.4 573.0 574.8 588.4 591.8 585.3 586.2 591.4 593.8 7 Real estate 744.4 734.7 730.6 737.3 748.3 760.9 771.5 803.7 811.9 816.7 819.0 809.2 8 Revolving home equity 74.6 74.5 68.8 69.6 69.6 69.7 71.1 75.6 77.4 77.9 78.2 78.6 9a Other residential 419.8 401.1 402.5 407.2 412.1 418.5 424.8 449.3 452.5 456.2 457.5 447.3 9b Commercial 250.0 259.1 259.4 260.4 266.6 272.7 275.7 278.8 282.0 282.6 283.3 283.3 10 Consumer 309.6 294.2 284.8 284.8 284.1 281.1 284.7 293.7 297.9 297.5 298.7 302.1 11 Security (3) 80.4 73.5 63.1 58.8 56.3 52.4 65.5 84.9 74.4 84.2 73.3 67.5 11a Fed funds and RPs with broker/dealer 64.2 54.2 45.4 41.9 38.9 35.3 47.5 64.6 57.1 62.7 52.3 47.7 11b Other 16.3 19.3 17.7 16.9 17.4 17.1 18.0 20.2 17.4 21.6 21.0 19.8 12a State and local government 11.8 11.7 12.0 12.3 12.4 12.4 12.3 12.2 12.1 12.2 12.4 12.3 12b Agricultural 9.1 8.8 8.9 9.1 9.4 9.7 9.6 9.6 9.9 9.7 9.7 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 11.4 10.8 11.3 11.6 12d All other loans 94.4 97.9 104.3 98.8 97.8 95.8 99.8 83.6 81.4 76.5 80.3 79.1 12e Lease financing receivables 106.1 120.5 121.6 122.8 123.5 126.0 127.8 129.5 132.2 132.0 132.0 132.0 13 Interbank loans 133.0 149.4 141.6 133.2 134.1 145.3 142.1 144.1 139.5 135.0 137.9 147.3 13a Fed funds and RPs with banks 83.8 89.4 88.4 81.9 81.9 88.7 76.6 74.5 68.7 63.7 67.2 76.2 13b Other 49.2 59.9 53.2 51.3 52.2 56.6 65.5 69.6 70.8 71.3 70.7 71.0 14 Cash assets (4) 160.2 153.1 145.5 136.5 148.8 154.6 157.1 170.3 173.5 168.4 189.5 161.4 15 Other assets (5) 235.7 243.8 240.4 238.3 248.2 240.7 245.5 249.6 250.5 252.4 254.7 254.2 16 TOTAL ASSETS (6) 2,999.2 2,994.2 2,963.3 2,955.7 3,001.6 3,024.2 3,081.9 3,162.2 3,154.5 3,155.4 3,185.2 3,155.4 ------------------------------------------------- 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) February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,751.8 1,717.5 1,709.4 1,697.6 1,709.5 1,713.1 1,736.4 1,759.3 1,755.1 1,738.4 1,764.7 1,710.1 18 Transaction 404.0 359.5 350.5 333.4 340.2 334.9 341.8 366.1 351.5 342.2 373.9 336.7 19 Nontransaction 1,347.8 1,358.0 1,358.9 1,364.2 1,369.3 1,378.3 1,394.6 1,393.2 1,403.6 1,396.2 1,390.8 1,373.4 20 Large time 237.3 226.7 227.0 225.5 234.7 247.3 258.3 262.3 262.7 260.9 262.4 261.5 21 Other 1,110.5 1,131.2 1,132.0 1,138.6 1,134.6 1,131.0 1,136.3 1,130.9 1,140.9 1,135.3 1,128.4 1,111.9 22 Borrowings 647.2 650.3 637.9 628.9 662.2 666.9 679.2 733.5 741.2 752.1 747.7 757.9 23 From banks in the U.S. 215.5 221.1 214.4 213.3 217.7 233.2 239.6 240.4 251.1 251.2 252.5 260.5 24 From others 431.8 429.3 423.5 415.6 444.5 433.7 439.5 493.1 490.1 500.9 495.2 497.3 25 Net due to related foreign offices 107.8 137.1 135.7 144.0 146.4 161.8 176.5 178.3 175.7 181.6 193.0 193.0 26 Other liabilities 200.3 182.2 179.9 185.1 184.1 189.9 194.4 193.3 186.4 184.7 176.8 189.1 27 TOTAL LIABILITIES 2,707.1 2,687.1 2,662.9 2,655.6 2,702.1 2,731.8 2,786.5 2,864.5 2,858.3 2,856.9 2,882.2 2,850.1 28 Residual (assets less liabilities) (7) 292.1 307.1 300.3 300.0 299.5 292.4 295.4 297.7 296.2 298.5 303.0 305.3 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 63.3 62.0 62.6 62.2 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 62.0 61.2 61.6 61.1 31 Mortgage-backed securities (9) 293.3 269.2 273.9 278.3 280.7 279.1 281.8 281.8 281.5 281.1 278.9 279.3 31a Pass-through 199.1 177.2 183.3 186.9 185.5 184.8 187.9 188.9 189.0 188.2 186.8 187.7 31b CMO, REMIC, and other 94.2 92.0 90.7 91.4 95.2 94.2 93.9 92.9 92.5 92.9 92.1 91.6 32 Net unrealized gains (losses) on 3.0 0.0 -3.3 -4.2 -4.9 -5.6 -5.8 -6.0 -7.3 -7.3 -7.2 -7.2 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 22.6 22.9 23.2 23.2 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,455.4 1,523.4 1,538.5 1,552.6 1,566.4 1,587.9 1,592.9 1,604.6 1,617.0 1,626.5 1,625.2 1,622.6 2 Securities in bank credit 424.4 448.7 452.8 454.8 456.5 458.7 453.7 451.9 454.2 457.4 456.5 456.7 3 U.S. government securities 318.4 333.3 336.8 337.0 338.6 339.3 333.9 330.4 333.1 336.2 335.9 336.3 4 Other securities 106.0 115.4 116.0 117.8 117.9 119.4 119.8 121.5 121.1 121.2 120.6 120.5 5 Loans and leases in bank credit (2) 1,031.0 1,074.7 1,085.7 1,097.8 1,109.9 1,129.3 1,139.3 1,152.7 1,162.8 1,169.0 1,168.7 1,165.8 6 Commercial and industrial 188.1 199.5 202.2 203.9 206.8 212.6 215.4 216.8 218.9 220.7 220.7 220.8 7 Real estate 575.9 610.0 617.4 625.4 630.8 642.5 648.8 655.0 658.9 663.0 663.1 660.9 8 Revolving home equity 28.1 29.1 29.3 29.4 29.4 29.9 30.1 30.7 31.2 31.5 31.4 31.3 9 Other 547.8 580.9 588.0 596.1 601.4 612.6 618.7 624.3 627.7 631.5 631.7 629.6 10 Consumer 191.5 195.1 194.6 196.0 198.9 200.5 200.1 205.1 209.0 208.7 208.5 208.5 11 Security (3) 5.6 4.7 4.9 4.9 4.9 4.9 5.4 5.3 5.0 5.1 5.1 4.9 12 Other loans and leases 69.9 65.5 66.7 67.6 68.6 68.8 69.5 70.6 71.0 71.5 71.3 70.7 13 Interbank loans 59.8 51.3 53.0 50.9 48.6 45.9 50.1 51.3 46.0 48.0 50.7 52.0 14 Cash assets (4) 67.1 69.9 71.2 71.0 71.7 71.5 72.6 76.1 70.3 70.0 71.2 78.0 15 Other assets (5) 67.2 73.6 76.6 79.1 79.1 83.1 82.2 83.1 87.7 90.6 86.8 83.3 16 TOTAL ASSETS (6) 1,630.5 1,698.7 1,720.1 1,734.1 1,745.9 1,768.3 1,777.7 1,794.5 1,800.2 1,814.4 1,813.2 1,815.0 L I A B I L I T I E S 17 Deposits 1,302.2 1,347.9 1,360.0 1,367.9 1,370.4 1,388.3 1,398.9 1,416.4 1,421.4 1,429.4 1,433.1 1,445.8 18 Transaction 278.3 280.9 280.5 282.2 279.5 279.5 276.9 275.8 264.5 271.9 278.1 290.5 19 Nontransaction 1,023.9 1,067.0 1,079.5 1,085.7 1,090.9 1,108.8 1,121.9 1,140.6 1,156.9 1,157.5 1,155.0 1,155.4 20 Large time 186.4 195.9 193.8 196.7 198.3 202.6 206.6 208.6 209.7 209.8 210.4 210.2 21 Other 837.5 871.2 885.7 889.0 892.7 906.2 915.4 932.0 947.2 947.7 944.6 945.2 22 Borrowings 171.0 188.1 199.2 200.9 206.1 206.4 205.1 212.4 224.1 221.5 216.4 219.6 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 89.1 88.9 91.9 24 From others 89.7 100.6 104.6 107.8 112.6 116.6 117.3 125.0 135.6 132.4 127.5 127.8 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 5.0 5.0 5.0 26 Other liabilities 29.5 31.9 31.1 32.9 33.9 34.2 34.0 34.2 32.1 32.6 32.9 30.7 27 TOTAL LIABILITIES 1,506.2 1,572.0 1,594.5 1,605.2 1,613.8 1,633.2 1,642.6 1,667.5 1,681.8 1,688.5 1,687.5 1,701.1 28 Residual (assets less liabilities) (7) 124.3 126.7 125.6 128.8 132.0 135.1 135.1 127.0 118.4 125.9 125.7 113.9 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,453.7 1,530.5 1,539.8 1,554.8 1,569.6 1,586.7 1,589.9 1,602.7 1,610.1 1,619.8 1,619.3 1,615.6 2 Securities in bank credit 424.0 450.6 451.1 453.2 454.1 455.6 451.5 451.8 453.6 457.6 456.4 456.1 3 U.S. government securities 318.3 335.2 335.3 335.2 336.7 336.3 331.6 330.5 332.8 336.5 335.8 335.6 4 Other securities 105.7 115.3 115.8 118.0 117.4 119.3 119.8 121.3 120.9 121.1 120.7 120.4 5 Loans and leases in bank credit (2) 1,029.7 1,079.9 1,088.7 1,101.6 1,115.5 1,131.1 1,138.5 1,150.9 1,156.4 1,162.2 1,162.9 1,159.6 6 Commercial and industrial 187.2 201.4 202.1 202.7 205.7 211.1 213.9 215.9 218.3 219.6 219.9 220.0 7 Real estate 574.2 612.8 619.5 627.6 634.2 643.9 649.3 653.1 654.1 658.6 659.5 657.3 8 Revolving home equity 28.3 28.9 29.1 29.2 29.6 30.1 30.4 30.9 31.1 31.4 31.5 31.4 9 Other 546.0 583.8 590.4 598.3 604.5 613.8 618.9 622.3 623.0 627.2 628.1 625.9 10 Consumer 193.5 194.3 194.0 196.5 200.0 201.1 200.6 206.9 209.1 209.5 209.3 209.5 11 Security (3) 5.6 4.7 4.9 4.9 4.9 4.9 5.4 5.3 5.0 5.1 5.1 4.9 12 Other loans and leases 69.1 66.7 68.3 69.9 70.8 70.0 69.3 69.8 69.9 69.4 69.0 67.9 13 Interbank loans 64.9 48.2 48.9 48.4 47.4 47.0 56.0 55.2 49.3 50.4 50.6 47.4 14 Cash assets (4) 70.5 68.8 69.4 67.9 70.4 70.7 74.9 79.7 78.3 71.8 77.5 77.0 15 Other assets (5) 67.1 75.2 77.8 79.8 79.5 83.1 83.9 83.0 88.0 84.7 83.1 78.1 16 TOTAL ASSETS (6) 1,637.1 1,703.2 1,716.7 1,731.2 1,747.0 1,767.4 1,784.6 1,800.1 1,804.9 1,806.0 1,809.8 1,797.4 L I A B I L I T I E S 17 Deposits 1,308.2 1,351.3 1,357.4 1,366.6 1,373.5 1,392.2 1,411.5 1,421.0 1,427.7 1,424.7 1,428.7 1,423.2 18 Transaction 289.1 279.8 276.6 275.3 276.5 276.5 280.6 286.2 282.2 278.0 284.3 283.0 19 Nontransaction 1,019.1 1,071.5 1,080.8 1,091.2 1,096.9 1,115.7 1,130.9 1,134.8 1,145.5 1,146.6 1,144.4 1,140.2 20 Large time 186.4 195.9 193.8 196.7 198.3 202.6 206.6 208.6 209.7 209.8 210.4 210.2 21 Other 832.8 875.6 887.0 894.5 898.7 913.1 924.3 926.2 935.8 936.8 934.0 930.0 22 Borrowings 172.9 189.3 199.0 201.0 208.7 209.2 207.5 214.4 218.3 219.4 219.2 223.6 23 From banks in the U.S. 83.3 87.8 93.7 92.4 94.0 91.7 89.6 89.5 87.3 89.0 91.0 94.0 24 From others 89.7 101.5 105.3 108.5 114.7 117.5 117.9 124.9 131.0 130.4 128.2 129.6 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 5.0 5.0 5.0 26 Other liabilities 28.9 31.7 31.2 32.6 33.3 33.3 33.3 33.6 32.9 33.4 33.4 31.2 27 TOTAL LIABILITIES 1,513.6 1,576.3 1,591.8 1,603.6 1,618.9 1,639.0 1,656.8 1,673.5 1,683.1 1,682.4 1,686.3 1,683.0 28 Residual (assets less liabilities) (7) 123.6 126.9 124.8 127.5 128.1 128.3 127.8 126.6 121.8 123.6 123.5 114.3 MEMO 31 Mortgage-backed securities (9) 52.4 64.7 65.2 64.9 65.2 67.5 66.2 66.3 68.2 68.6 68.6 68.9 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 598.6 533.2 522.7 524.1 519.2 527.8 548.7 556.4 548.3 546.3 545.5 554.1 2 Securities in bank credit 213.9 196.8 190.5 190.1 189.5 193.2 197.9 205.6 200.7 198.3 197.1 198.4 3 U.S. government securities 83.7 86.7 86.2 84.1 81.8 82.2 79.7 81.8 80.4 79.8 78.0 80.6 4 Other securities 130.2 110.0 104.2 106.0 107.7 111.1 118.2 123.8 120.3 118.5 119.1 117.9 5 Loans and leases in bank credit (2) 384.8 336.4 332.3 334.0 329.7 334.6 350.7 350.8 347.6 348.0 348.3 355.6 6 Commercial and industrial 218.4 196.7 193.4 195.6 197.3 199.1 201.0 195.8 193.5 194.9 196.9 196.8 7 Real estate 21.5 19.2 18.5 17.6 17.6 17.8 17.4 17.3 17.2 17.4 17.6 17.8 11 Security (3) 66.3 52.0 52.8 55.0 51.4 54.8 65.3 66.9 66.4 64.6 64.7 71.1 12 Other loans and leases 78.6 68.5 67.5 65.8 63.4 62.9 67.0 70.8 70.6 71.2 69.2 70.0 13 Interbank loans 27.9 24.5 27.5 25.7 22.9 22.9 22.8 25.5 27.2 26.6 23.6 25.8 14 Cash assets (4) 35.6 33.5 35.2 38.0 40.9 44.1 50.4 54.6 54.7 56.0 53.4 51.9 15 Other assets (5) 38.4 33.6 32.3 29.0 29.3 31.8 34.8 37.6 37.5 39.2 41.3 39.4 16 TOTAL ASSETS (6) 700.3 624.6 617.5 616.6 612.0 626.4 656.4 674.0 667.4 667.9 663.4 671.0 L I A B I L I T I E S 17 Deposits 308.4 305.7 309.1 308.9 310.9 332.2 359.0 378.8 392.0 395.2 384.7 383.7 18 Transaction 11.4 10.9 10.9 11.0 10.9 11.5 11.3 11.5 10.5 11.1 11.2 11.5 19 Nontransaction 296.9 294.8 298.2 297.9 300.0 320.7 347.7 367.3 381.5 384.1 373.6 372.2 22 Borrowings 204.0 181.9 173.2 172.9 169.8 175.6 184.3 179.2 175.7 179.3 179.8 181.7 23 From banks in the U.S. 26.8 27.5 24.4 23.6 25.2 22.9 26.9 25.4 22.9 21.5 22.9 23.6 24 From others 177.2 154.4 148.8 149.4 144.6 152.7 157.3 153.8 152.8 157.7 156.9 158.1 25 Net due to related foreign offices 101.5 64.6 71.9 72.0 66.1 53.4 43.9 38.9 38.2 31.0 36.4 33.6 26 Other liabilities 77.1 65.6 62.7 61.7 64.6 65.8 67.3 70.5 65.5 67.2 67.0 67.5 27 TOTAL LIABILITIES 691.0 617.7 616.9 615.5 611.4 627.0 654.4 667.4 671.4 672.7 667.9 666.4 28 Residual (assets less liabilities) (7) 9.4 6.8 0.6 1.1 0.6 -0.6 2.0 6.5 -4.1 -4.8 -4.5 4.5 ------------------------------------------------- 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 February 4, 2000 Account 1998 1999 1999 1999 1999 1999 1999 1999 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 5 Jan 12 Jan 19 Jan 26 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 601.5 530.0 519.5 520.3 518.3 531.8 551.8 559.7 555.1 550.2 548.1 554.5 2 Securities in bank credit 212.5 195.8 188.8 188.8 188.8 196.0 201.0 204.7 201.1 199.3 196.7 198.0 3 U.S. government securities 83.9 87.1 85.7 83.1 80.8 82.1 80.1 82.1 80.3 80.1 77.7 79.2 3a Trading account 17.4 21.9 20.0 17.3 15.6 14.9 9.2 7.7 6.8 7.5 6.9 11.0 3b Investment account 66.5 65.2 65.8 65.8 65.2 67.2 70.9 74.4 73.5 72.6 70.8 68.2 4 Other securities 128.6 108.7 103.1 105.7 108.0 114.0 120.9 122.6 120.8 119.2 119.0 118.8 4a Trading account 77.7 65.3 60.8 64.9 69.7 75.0 80.7 80.7 78.1 76.5 76.3 75.0 4b Investment account 50.9 43.4 42.3 40.9 38.2 39.0 40.2 41.9 42.7 42.7 42.7 43.8 5 Loans and leases in bank credit (2) 389.0 334.2 330.7 331.5 329.5 335.8 350.8 355.0 354.1 350.9 351.4 356.6 6 Commercial and industrial 221.1 195.0 192.6 193.9 197.0 200.2 202.3 198.5 197.3 196.8 198.3 197.5 7 Real estate 21.6 19.0 18.3 17.5 17.6 18.0 17.6 17.4 17.4 17.6 17.7 17.9 11 Security (3) 66.8 52.2 52.4 55.0 51.6 54.5 64.5 67.4 67.0 64.2 64.9 70.4 12 Other loans and leases 79.5 68.0 67.3 65.1 63.4 63.2 66.4 71.7 72.4 72.3 70.5 70.8 13 Interbank loans 27.9 24.5 27.5 25.7 22.9 22.9 22.8 25.5 27.2 26.6 23.6 25.8 14 Cash assets (4) 37.1 34.3 35.1 37.7 40.6 44.7 51.2 57.0 56.4 56.9 54.4 52.2 15 Other assets (5) 39.8 32.5 31.6 29.6 29.7 31.7 35.0 39.1 38.1 39.9 41.2 39.3 16 TOTAL ASSETS (6) 706.2 621.2 613.4 613.1 611.2 630.9 660.5 680.9 676.4 673.4 667.0 671.6 L I A B I L I T I E S 17 Deposits 312.0 306.4 306.7 306.3 310.4 332.2 358.4 383.2 390.2 391.5 380.1 381.5 18 Transaction 11.9 10.7 10.8 10.9 11.4 11.5 11.2 11.9 10.9 11.1 11.4 11.3 19 Nontransaction 300.2 295.7 295.9 295.4 299.1 320.7 347.2 371.3 379.3 380.4 368.7 370.2 22 Borrowings 204.0 181.9 173.2 172.9 169.8 175.6 184.3 179.2 175.7 179.3 179.8 181.7 23 From banks in the U.S. 26.8 27.5 24.4 23.6 25.2 22.9 26.9 25.4 22.9 21.5 22.9 23.6 24 From others 177.2 154.4 148.8 149.4 144.6 152.7 157.3 153.8 152.8 157.7 156.9 158.1 25 Net due to related foreign offices 107.7 63.2 69.3 69.9 64.5 55.2 46.6 44.0 41.9 32.6 37.2 37.0 26 Other liabilities 78.5 65.1 61.8 61.8 64.3 65.2 68.2 71.9 65.6 67.0 66.8 68.1 27 TOTAL LIABILITIES 702.2 616.6 610.9 610.9 609.0 628.2 657.4 678.3 673.4 670.3 663.9 668.3 28 Residual (assets less liabilities) (7) 4.0 4.5 2.5 2.2 2.2 2.7 3.0 2.6 3.1 3.0 3.1 3.2 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 38.0 37.2 37.9 38.1 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 37.1 36.5 37.1 37.3 ------------------------------------------------- Footnotes appear on page 13. H.8 (510) Footnotes Page 13 February 4, 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.