NOTICE TO USERS OF THE H.8 RELEASE Data on the attached H.8 release have been benchmarked to the September 1999 Call Report. Data on the previous release were benchamrked through the June 1999 Call Report. Historical H.8 data may be accessed through the Board's Web site: http://www.federalreserve.gov. 1.8 (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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,535.8 4,549.5 4,582.7 4,606.9 4,636.8 4,702.8 4,781.2 4,788.2 4,799.7 4,792.3 4,801.2 4,825.6 2 Securities in bank credit 1,215.7 1,227.2 1,242.2 1,246.3 1,254.7 1,249.9 1,268.2 1,260.1 1,253.1 1,244.9 1,248.2 1,257.7 3 U.S. government securities 796.0 814.3 819.9 817.5 813.4 799.0 803.7 805.6 804.4 796.8 797.1 804.2 4 Other securities 419.7 412.8 422.3 428.8 441.3 450.9 464.6 454.5 448.7 448.2 451.0 453.6 5 Loans and leases in bank credit (2) 3,320.1 3,322.3 3,340.5 3,360.6 3,382.1 3,452.9 3,513.0 3,528.2 3,546.6 3,547.4 3,553.0 3,567.9 6 Commercial and industrial 950.9 965.1 972.5 980.4 985.4 1,004.2 1,006.6 1,008.6 1,017.8 1,017.9 1,022.7 1,027.7 7 Real estate 1,345.3 1,367.1 1,379.0 1,395.3 1,419.4 1,433.7 1,471.5 1,488.6 1,493.7 1,498.5 1,502.5 1,507.8 8 Revolving home equity 102.2 98.1 98.7 98.5 99.2 100.8 106.3 109.8 111.8 112.1 112.3 113.0 9 Other 1,243.1 1,269.0 1,280.4 1,296.8 1,320.2 1,332.8 1,365.3 1,378.9 1,381.9 1,386.4 1,390.2 1,394.8 10 Consumer 499.7 481.3 480.3 481.2 479.8 483.3 493.5 499.9 502.4 503.0 503.3 504.7 11 Security (3) 146.4 122.4 122.4 116.1 111.2 134.2 155.6 147.1 146.7 143.4 141.4 143.7 12 Other loans and leases 377.8 386.4 386.3 387.5 386.2 397.5 385.7 384.0 386.0 384.6 383.1 384.0 13 Interbank loans 223.1 224.4 215.1 208.2 222.3 218.9 223.5 220.6 226.0 232.1 235.3 239.6 14 Cash assets (4) 258.7 259.1 253.8 264.0 269.9 276.2 290.5 283.3 270.8 289.5 260.4 279.3 15 Other assets (5) 352.6 346.7 344.5 354.7 359.3 367.2 372.3 387.8 388.3 390.7 392.2 394.4 16 TOTAL ASSETS (6) 5,312.2 5,321.4 5,337.3 5,374.5 5,429.0 5,505.7 5,607.6 5,620.6 5,625.6 5,645.7 5,629.9 5,679.8 L I A B I L I T I E S 17 Deposits 3,367.9 3,390.6 3,384.4 3,394.5 3,437.4 3,482.3 3,533.3 3,547.2 3,561.1 3,560.6 3,558.6 3,571.0 18 Transaction 666.3 648.7 635.9 634.0 630.5 623.3 630.2 621.5 610.7 614.7 607.2 632.4 19 Nontransaction 2,701.6 2,741.9 2,748.4 2,760.5 2,806.9 2,859.0 2,903.1 2,925.7 2,950.4 2,945.9 2,951.3 2,938.6 20 Large time 723.8 721.3 718.0 727.9 768.5 806.4 836.7 847.5 851.7 847.7 858.6 849.0 21 Other 1,977.8 2,020.6 2,030.5 2,032.5 2,038.4 2,052.6 2,066.5 2,078.2 2,098.6 2,098.3 2,092.8 2,089.6 22 Borrowings 1,007.0 1,020.9 1,027.9 1,047.1 1,046.0 1,061.1 1,122.2 1,129.4 1,127.9 1,124.4 1,108.8 1,144.2 23 From banks in the U.S. 315.7 337.0 336.4 340.4 347.5 349.1 346.4 359.0 359.6 365.1 368.1 370.6 24 From others 691.3 683.8 691.6 706.7 698.4 712.0 775.8 770.3 768.2 759.3 740.7 773.6 25 Net due to related foreign offices 207.2 217.0 222.5 218.3 219.8 226.2 221.5 227.8 219.1 234.7 240.3 224.2 26 Other liabilities 303.4 273.2 279.0 282.0 291.6 297.3 299.5 285.6 298.0 292.7 295.9 293.8 27 TOTAL LIABILITIES 4,885.5 4,901.7 4,913.8 4,941.8 4,994.7 5,066.9 5,176.5 5,190.1 5,206.1 5,212.4 5,203.5 5,233.3 28 Residual (assets less liabilities) (7) 426.7 419.8 423.5 432.7 434.3 438.9 431.2 430.6 419.6 433.2 426.4 446.5 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,544.8 4,533.6 4,561.7 4,597.0 4,641.3 4,716.8 4,797.5 4,798.4 4,808.6 4,790.5 4,798.5 4,809.4 2 Securities in bank credit 1,218.2 1,216.0 1,229.3 1,235.2 1,251.3 1,256.3 1,272.3 1,265.0 1,261.8 1,253.3 1,254.5 1,261.2 3 U.S. government securities 796.3 806.5 808.1 807.3 807.7 801.2 805.0 806.8 809.2 802.8 802.1 808.3 4 Other securities 422.0 409.5 421.2 427.9 443.6 455.2 467.3 458.2 452.5 450.5 452.4 452.8 5 Loans and leases in bank credit (2) 3,326.5 3,317.6 3,332.3 3,361.9 3,390.0 3,460.5 3,525.2 3,533.4 3,546.8 3,537.2 3,543.9 3,548.2 6 Commercial and industrial 949.7 962.7 963.8 976.5 986.5 1,004.2 1,005.7 1,006.7 1,017.5 1,016.2 1,023.1 1,026.4 7 Real estate 1,344.4 1,368.1 1,381.6 1,398.9 1,423.1 1,438.4 1,474.0 1,488.0 1,490.3 1,496.1 1,497.1 1,497.1 8 Revolving home equity 102.3 97.9 98.9 99.2 100.0 101.7 106.7 109.8 111.5 111.7 111.8 112.2 9 Other 1,242.1 1,270.2 1,282.8 1,299.7 1,323.1 1,336.7 1,367.4 1,378.2 1,378.8 1,384.4 1,385.3 1,384.8 10 Consumer 505.9 478.9 481.4 484.2 480.5 483.5 498.4 505.7 506.0 503.9 503.2 503.5 11 Security (3) 146.5 120.4 118.7 112.8 112.0 135.6 157.8 147.0 146.9 139.8 139.5 141.6 12 Other loans and leases 380.1 387.5 386.8 389.5 387.9 398.6 389.4 386.0 386.1 381.2 381.0 379.6 13 Interbank loans 226.0 218.1 207.4 204.7 218.8 225.7 230.2 222.0 226.6 230.8 236.5 234.5 14 Cash assets (4) 271.7 251.3 243.4 261.3 270.2 283.5 307.2 296.8 271.8 273.5 270.3 288.4 15 Other assets (5) 345.2 349.4 347.3 356.7 356.6 365.7 373.1 379.6 387.0 385.2 389.2 388.7 16 TOTAL ASSETS (6) 5,330.0 5,294.2 5,300.8 5,360.2 5,427.9 5,532.2 5,648.1 5,637.8 5,635.0 5,621.1 5,635.4 5,661.9 L I A B I L I T I E S 17 Deposits 3,367.2 3,374.2 3,370.5 3,393.1 3,439.9 3,508.7 3,565.6 3,544.9 3,541.9 3,527.9 3,541.5 3,536.8 18 Transaction 681.1 638.0 619.6 628.2 622.3 633.0 662.7 635.6 612.0 596.6 610.7 623.4 19 Nontransaction 2,686.1 2,736.3 2,750.8 2,764.9 2,817.7 2,875.7 2,902.9 2,909.3 2,929.9 2,931.2 2,930.7 2,913.5 20 Large time 721.9 714.6 715.3 729.4 770.1 811.6 842.5 845.3 849.3 848.0 857.7 850.0 21 Other 1,964.1 2,021.7 2,035.5 2,035.5 2,047.6 2,064.1 2,060.4 2,064.0 2,080.7 2,083.2 2,073.1 2,063.5 22 Borrowings 1,023.2 1,011.6 1,004.5 1,042.0 1,049.2 1,068.3 1,124.3 1,146.6 1,148.7 1,123.7 1,114.5 1,141.5 23 From banks in the U.S. 320.7 332.5 329.3 336.7 345.2 353.4 352.5 364.4 364.3 364.1 369.8 370.0 24 From others 702.5 679.1 675.2 705.3 704.0 714.9 771.8 782.2 784.5 759.6 744.8 771.5 25 Net due to related foreign offices 210.1 209.2 217.4 214.3 221.5 227.9 227.2 230.7 219.7 244.1 250.3 250.3 26 Other liabilities 304.3 272.4 278.9 280.9 290.0 297.5 300.3 286.5 299.8 295.7 298.5 296.4 27 TOTAL LIABILITIES 4,904.8 4,867.4 4,871.3 4,930.3 5,000.7 5,102.3 5,217.4 5,208.7 5,210.2 5,191.4 5,204.8 5,225.0 28 Residual (assets less liabilities) (7) 425.2 426.8 429.5 429.9 427.2 429.9 430.7 429.1 424.8 429.7 430.7 437.0 MEMO 29 Reval. gains on off-bal. sheet items (8) 112.2 92.0 96.5 98.5 99.9 99.9 103.9 100.7 104.8 102.7 107.1 105.0 30 Reval. losses on off-bal. sheet items (8) 109.6 92.5 98.7 97.2 97.8 98.9 102.3 99.4 105.7 103.1 107.3 104.9 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,955.0 4,027.1 4,058.9 4,088.1 4,109.7 4,154.6 4,225.3 4,241.3 4,258.7 4,256.2 4,268.9 4,288.3 2 Securities in bank credit 1,005.5 1,036.9 1,052.2 1,057.0 1,060.6 1,051.0 1,061.7 1,061.5 1,060.7 1,057.3 1,064.3 1,071.7 3 U.S. government securities 709.9 728.3 736.0 735.9 731.4 719.6 722.1 726.5 727.5 722.2 725.4 732.4 4 Other securities 295.5 308.6 316.3 321.1 329.1 331.5 339.5 335.0 333.2 335.2 338.9 339.3 5 Loans and leases in bank credit (2) 2,949.5 2,990.1 3,006.7 3,031.1 3,049.1 3,103.6 3,163.7 3,179.8 3,198.0 3,198.8 3,204.6 3,216.5 6 Commercial and industrial 738.3 771.9 777.1 783.4 787.3 804.3 812.0 814.3 822.4 822.0 826.4 828.7 7 Real estate 1,323.8 1,348.6 1,361.5 1,377.8 1,402.1 1,416.7 1,454.7 1,471.6 1,476.3 1,481.3 1,485.3 1,490.4 8 Revolving home equity 102.2 98.1 98.7 98.5 99.2 100.8 106.3 109.8 111.8 112.1 112.3 113.0 9 Other 1,221.5 1,250.5 1,262.8 1,279.4 1,302.9 1,315.9 1,348.4 1,361.8 1,364.5 1,369.2 1,373.0 1,377.4 10 Consumer 499.7 481.3 480.3 481.2 479.8 483.3 493.5 499.9 502.4 503.0 503.3 504.7 11 Security (3) 83.0 69.6 67.5 64.8 56.2 68.7 88.6 80.2 80.1 77.8 75.9 79.0 12 Other loans and leases 304.8 318.7 320.3 324.0 323.6 330.6 315.0 314.0 316.8 314.8 313.6 313.7 13 Interbank loans 193.7 196.8 189.4 185.2 196.9 193.6 195.3 191.3 193.6 200.1 198.3 205.6 14 Cash assets (4) 222.6 222.6 214.3 221.6 225.2 225.2 235.2 229.5 221.5 238.0 208.6 226.1 15 Other assets (5) 314.4 314.5 315.5 325.4 327.8 332.7 335.1 348.6 348.9 352.0 354.0 355.5 16 TOTAL ASSETS (6) 4,627.9 4,703.0 4,719.6 4,761.4 4,800.7 4,847.0 4,931.2 4,951.6 4,963.7 4,987.6 4,970.8 5,016.6 L I A B I L I T I E S 17 Deposits 3,048.6 3,081.3 3,075.4 3,083.5 3,106.0 3,124.0 3,155.4 3,161.1 3,176.4 3,178.5 3,172.1 3,189.4 18 Transaction 654.5 637.8 624.9 623.2 619.7 612.8 619.5 611.1 599.8 603.7 596.6 621.9 19 Nontransaction 2,394.2 2,443.5 2,450.4 2,460.3 2,486.2 2,511.2 2,535.9 2,550.0 2,576.6 2,574.8 2,575.5 2,567.6 20 Large time 420.0 425.8 423.9 433.0 449.7 460.6 470.3 473.1 478.9 477.6 483.8 479.8 21 Other 1,974.2 2,017.7 2,026.5 2,027.4 2,036.6 2,050.7 2,065.6 2,076.8 2,097.7 2,097.2 2,091.7 2,087.7 22 Borrowings 811.3 846.2 853.4 875.8 867.9 874.3 940.5 947.7 945.2 947.2 935.8 968.7 23 From banks in the U.S. 294.1 312.7 312.9 315.2 325.5 323.1 321.9 337.0 337.0 344.5 348.0 350.8 24 From others 517.2 533.5 540.5 560.5 542.4 551.2 618.6 610.7 608.2 602.8 587.7 617.9 25 Net due to related foreign offices 111.8 145.2 150.4 152.1 166.3 182.2 182.5 194.4 193.9 207.6 214.0 199.5 26 Other liabilities 228.8 210.6 217.5 217.6 226.3 230.6 229.4 216.3 224.8 222.4 225.1 223.2 27 TOTAL LIABILITIES 4,200.5 4,283.2 4,296.7 4,329.0 4,366.4 4,411.1 4,507.8 4,519.5 4,540.3 4,555.6 4,546.9 4,580.9 28 Residual (assets less liabilities) (7) 427.4 419.7 422.9 432.4 434.3 436.0 423.5 432.1 423.4 431.9 423.9 435.7 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,960.5 4,014.4 4,041.6 4,079.1 4,110.2 4,165.5 4,238.5 4,248.0 4,262.5 4,250.5 4,262.7 4,272.2 2 Securities in bank credit 1,007.8 1,027.4 1,040.6 1,046.5 1,054.4 1,054.3 1,066.6 1,065.9 1,066.9 1,063.4 1,069.0 1,075.2 3 U.S. government securities 710.6 721.0 725.2 726.6 725.9 721.3 723.2 728.0 732.0 727.5 730.2 736.2 4 Other securities 297.2 306.4 315.4 319.9 328.5 333.0 343.5 337.9 334.8 335.9 338.8 339.0 5 Loans and leases in bank credit (2) 2,952.7 2,987.0 3,001.0 3,032.6 3,055.8 3,111.2 3,171.8 3,182.1 3,195.6 3,187.1 3,193.7 3,197.0 6 Commercial and industrial 735.3 770.3 770.1 779.8 787.3 803.0 808.3 810.7 821.1 818.9 824.3 826.2 7 Real estate 1,322.6 1,349.8 1,364.2 1,381.4 1,405.6 1,421.3 1,457.1 1,470.8 1,472.8 1,478.6 1,479.5 1,479.3 8 Revolving home equity 102.3 97.9 98.9 99.2 100.0 101.7 106.7 109.8 111.5 111.7 111.8 112.2 9 Other 1,220.3 1,251.9 1,265.3 1,282.2 1,305.6 1,319.6 1,350.4 1,361.0 1,361.2 1,366.9 1,367.7 1,367.1 10 Consumer 505.9 478.9 481.4 484.2 480.5 483.5 498.4 505.7 506.0 503.9 503.2 503.5 11 Security (3) 83.1 68.0 63.7 61.2 57.4 71.0 90.3 80.1 80.1 75.0 75.2 78.0 12 Other loans and leases 305.8 320.0 321.5 325.9 325.0 332.4 317.7 314.8 315.7 310.7 311.4 309.9 13 Interbank loans 196.6 190.6 181.7 181.7 193.5 200.4 201.9 192.6 194.2 198.7 199.5 200.4 14 Cash assets (4) 235.1 214.9 204.3 219.1 224.9 231.6 249.5 242.3 222.8 222.9 219.3 236.8 15 Other assets (5) 306.7 317.9 317.7 327.0 325.3 331.1 334.4 340.1 347.0 345.2 350.2 349.1 16 TOTAL ASSETS (6) 4,641.6 4,679.7 4,686.6 4,747.8 4,795.0 4,869.5 4,964.7 4,964.4 4,967.8 4,958.8 4,972.9 4,999.8 L I A B I L I T I E S 17 Deposits 3,050.5 3,067.4 3,064.1 3,082.5 3,108.5 3,150.9 3,183.4 3,162.0 3,160.6 3,147.8 3,158.1 3,155.6 18 Transaction 669.2 627.2 608.7 616.8 611.6 622.5 651.6 625.1 601.2 586.1 600.3 612.9 19 Nontransaction 2,381.3 2,440.3 2,455.3 2,465.7 2,496.9 2,528.4 2,531.7 2,536.8 2,559.4 2,561.7 2,557.8 2,542.7 20 Large time 421.6 420.9 422.1 432.5 451.7 466.6 473.6 475.1 481.1 480.8 487.1 481.5 21 Other 1,959.7 2,019.4 2,033.2 2,033.2 2,045.2 2,061.8 2,058.1 2,061.7 2,078.4 2,080.9 2,070.8 2,061.2 22 Borrowings 827.5 836.9 829.9 870.7 871.1 881.5 942.7 964.9 966.0 946.6 941.5 966.0 23 From banks in the U.S. 299.1 308.1 305.8 311.6 323.2 327.4 328.0 342.3 341.6 343.4 349.7 350.2 24 From others 528.5 528.8 524.1 559.1 548.0 554.1 614.7 622.6 624.4 603.1 591.8 615.8 25 Net due to related foreign offices 112.0 139.9 147.5 149.8 166.2 181.2 183.0 195.4 194.7 215.2 220.6 220.6 26 Other liabilities 229.5 210.6 217.3 216.9 225.4 229.8 228.8 217.0 225.7 223.6 225.9 224.2 27 TOTAL LIABILITIES 4,219.6 4,254.9 4,258.8 4,319.9 4,371.2 4,443.5 4,537.8 4,539.3 4,547.1 4,533.2 4,546.1 4,566.4 28 Residual (assets less liabilities) (7) 422.1 424.8 427.8 427.9 423.9 426.0 426.9 425.0 420.7 425.6 426.7 433.4 MEMO 29 Reval. gains on off-bal. sheet items (8) 66.5 54.4 58.4 60.1 60.9 59.8 64.5 62.7 63.6 63.6 67.9 66.3 30 Reval. losses on off-bal. sheet items (8) 67.2 56.3 62.5 59.8 60.0 59.8 63.9 61.8 63.9 63.3 67.7 66.0 31 Mortgage-backed securities (9) 343.4 339.2 343.0 345.8 346.0 347.5 347.3 347.7 345.3 344.7 345.4 350.7 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,488.2 2,489.7 2,508.1 2,523.9 2,522.9 2,564.4 2,624.4 2,624.9 2,638.7 2,631.3 2,635.9 2,647.4 2 Securities in bank credit 577.2 583.8 597.4 600.5 601.4 597.5 610.4 607.0 605.6 600.5 606.7 610.9 3 U.S. government securities 389.3 391.3 398.9 397.2 391.1 385.2 391.6 391.6 391.3 384.1 386.3 391.1 3a Trading account 25.1 22.7 23.3 20.9 20.0 18.0 19.4 21.4 25.1 21.7 22.9 23.0 3b Investment account 364.2 368.5 375.7 376.3 371.1 367.2 372.2 370.2 366.2 362.5 363.5 368.1 4 Other securities 188.0 192.6 198.5 203.3 210.3 212.4 218.7 215.5 214.3 216.4 220.4 219.8 4a Trading account 91.4 73.6 77.5 78.1 81.7 82.4 87.1 81.8 84.3 86.0 88.7 88.0 4b Investment account 96.6 119.0 121.0 125.2 128.5 129.9 131.7 133.7 130.1 130.4 131.7 131.8 4c State and local government 24.6 25.4 25.7 25.7 25.8 26.4 26.4 26.7 26.8 27.0 27.0 26.8 4d Other 71.9 93.5 95.3 99.5 102.7 103.5 105.3 107.0 103.3 103.4 104.7 105.0 5 Loans and leases in bank credit (2) 1,911.0 1,905.9 1,910.7 1,923.4 1,921.4 1,966.9 2,014.0 2,017.9 2,033.1 2,030.8 2,029.2 2,036.5 6 Commercial and industrial 547.6 569.6 573.1 576.5 574.3 589.2 595.5 594.9 601.6 601.3 604.5 605.5 6a Bankers acceptances 1.3 1.0 1.1 1.2 1.1 1.1 1.1 1.1 1.0 1.0 1.0 1.0 6b Other 546.3 568.6 572.0 575.3 573.2 588.1 594.4 593.9 600.6 600.2 603.5 604.5 7 Real estate 740.1 732.4 737.6 749.0 759.8 768.4 800.3 810.5 811.5 813.8 814.9 816.5 8 Revolving home equity 74.2 68.8 69.4 69.2 69.2 70.6 75.5 78.2 79.1 79.3 79.3 79.7 9 Other 665.9 663.7 668.3 679.9 690.6 697.8 724.8 732.4 732.5 734.5 735.5 736.8 10 Consumer 309.8 287.0 284.6 282.6 281.4 285.4 290.9 294.7 299.4 299.7 297.7 298.2 11 Security (3) 77.7 64.7 62.6 59.8 51.3 63.3 83.2 75.0 74.9 72.5 70.6 73.8 11a Fed funds and RPs with broker/dealer 61.8 47.0 45.4 42.2 34.2 45.2 63.4 53.9 52.0 48.4 46.6 51.1 11b Other 15.9 17.7 17.2 17.6 17.0 18.1 19.8 21.1 22.9 24.1 24.0 22.8 12a State and local government 11.7 12.1 12.2 12.3 12.3 12.2 12.1 12.3 12.3 12.3 12.3 12.4 12b Agricultural 9.1 8.7 8.9 9.2 9.6 9.6 9.6 9.8 10.0 10.0 10.0 10.2 12c Fed funds and RPs with others 13.4 10.1 7.9 11.2 10.0 12.3 11.8 11.2 11.0 11.1 10.8 11.6 12d All other loans 92.6 99.3 100.4 98.0 95.6 97.4 80.5 79.3 82.0 79.7 78.5 78.3 12e Lease financing receivables 108.9 122.0 123.4 124.7 127.0 129.2 130.1 130.1 130.4 130.3 130.0 130.0 13 Interbank loans 132.8 143.8 138.3 136.5 149.8 141.5 141.7 138.8 139.9 144.6 142.2 149.9 13a Fed funds and RPs with banks 84.8 91.9 86.7 83.8 92.4 73.8 70.9 66.0 64.8 70.9 68.8 74.1 13b Other 48.0 51.8 51.6 52.6 57.5 67.7 70.8 72.7 75.0 73.7 73.5 75.8 14 Cash assets (4) 155.2 151.5 143.4 150.1 154.2 153.1 159.7 160.4 153.3 169.8 144.3 161.9 15 Other assets (5) 244.3 237.9 236.4 246.7 244.3 250.1 251.4 261.0 263.6 266.9 270.2 263.1 16 TOTAL ASSETS (6) 2,981.7 2,984.2 2,987.6 3,018.1 3,032.3 3,070.0 3,137.9 3,146.6 3,157.2 3,174.6 3,154.6 3,184.2 ------------------------------------------------- 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) March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,729.2 1,721.3 1,708.1 1,714.2 1,715.1 1,722.8 1,736.7 1,732.4 1,741.4 1,739.8 1,730.6 1,740.1 18 Transaction 375.8 357.0 342.5 343.5 339.8 335.5 343.2 337.0 328.0 332.1 324.0 345.1 19 Nontransaction 1,353.4 1,364.3 1,365.6 1,370.7 1,375.3 1,387.3 1,393.5 1,395.4 1,413.4 1,407.7 1,406.6 1,395.0 20 Large time 234.3 232.1 227.6 235.4 245.5 252.5 260.3 261.6 265.7 263.4 268.0 263.9 21 Other 1,119.1 1,132.2 1,138.0 1,135.3 1,129.8 1,134.8 1,133.2 1,133.8 1,147.7 1,144.4 1,138.6 1,131.1 22 Borrowings 643.6 648.1 653.6 671.1 667.2 675.0 734.1 734.0 733.1 733.0 722.8 749.8 23 From banks in the U.S. 215.9 218.5 220.1 222.2 238.6 238.3 237.5 250.5 251.0 259.5 262.3 264.4 24 From others 427.8 429.6 433.5 448.9 428.6 436.8 496.6 483.5 482.1 473.5 460.5 485.4 25 Net due to related foreign offices 108.7 140.9 147.0 148.7 162.0 177.7 178.0 189.3 188.6 202.5 209.0 194.6 26 Other liabilities 199.7 179.7 184.9 183.9 191.1 195.6 194.4 183.1 190.0 186.8 188.5 186.4 27 TOTAL LIABILITIES 2,681.3 2,690.1 2,693.6 2,717.9 2,735.4 2,771.1 2,843.3 2,838.8 2,853.1 2,862.1 2,850.9 2,870.8 28 Residual (assets less liabilities) (7) 300.4 294.1 294.0 300.2 296.9 299.0 294.7 307.8 304.2 312.5 303.7 313.4 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,500.3 2,475.8 2,488.6 2,511.7 2,524.6 2,578.4 2,639.4 2,638.5 2,651.4 2,636.1 2,642.0 2,643.9 2 Securities in bank credit 580.3 576.0 587.4 592.4 598.4 603.1 615.5 612.0 613.5 608.0 613.9 616.7 3 U.S. government securities 390.5 385.4 389.9 389.8 388.5 389.2 392.6 393.5 397.3 390.3 392.9 396.6 3a Trading account 25.2 20.9 22.2 20.7 20.8 19.9 20.0 21.7 25.6 21.7 23.9 23.5 3b Investment account 365.3 364.5 367.8 369.1 367.7 369.3 372.5 371.8 371.7 368.6 369.0 373.0 3c Mortgage-backed 260.1 238.9 242.7 245.8 243.9 244.3 244.1 242.5 239.6 240.3 241.2 245.5 3d Other 105.2 125.6 125.1 123.2 123.8 124.9 128.4 129.3 132.1 128.3 127.9 127.6 3e 1 year or less 28.4 25.6 25.2 24.8 25.6 23.9 25.2 26.1 28.8 29.4 29.6 30.2 3f Between 1 and 5 years 39.2 59.7 59.9 59.1 59.9 60.6 61.5 61.1 61.6 58.7 57.9 57.6 3g More than 5 years 37.7 40.3 40.0 39.4 38.3 40.4 41.7 42.1 41.7 40.2 40.4 39.8 4 Other securities 189.8 190.6 197.4 202.6 209.8 213.9 222.9 218.5 216.2 217.7 221.0 220.1 4a Trading account 91.4 73.6 77.5 78.1 81.7 82.4 87.1 81.8 84.3 86.0 88.7 88.0 4b Investment account 98.4 117.0 120.0 124.5 128.1 131.5 135.8 136.7 131.9 131.7 132.3 132.2 4c State and local government 24.8 25.0 25.4 25.6 25.9 26.6 26.6 26.9 26.9 27.1 27.1 26.9 4d Other 73.6 92.0 94.6 98.9 102.2 104.9 109.2 109.7 105.0 104.6 105.2 105.2 5 Loans and leases in bank credit (2) 1,920.0 1,899.8 1,901.3 1,919.3 1,926.2 1,975.3 2,024.0 2,026.5 2,037.9 2,028.1 2,028.1 2,027.2 6 Commercial and industrial 545.3 568.1 567.3 574.0 575.8 589.5 592.8 592.2 600.9 598.9 603.0 603.5 6a Bankers acceptances 1.3 1.0 1.1 1.2 1.1 1.1 1.1 1.1 1.0 1.0 1.0 1.0 6b Other 544.0 567.2 566.3 572.9 574.7 588.3 591.7 591.1 599.9 597.9 602.0 602.5 7 Real estate 742.9 731.5 738.2 749.2 761.8 772.5 804.6 813.8 812.3 816.0 814.5 811.1 8 Revolving home equity 74.2 68.8 69.7 69.6 69.7 71.1 75.7 78.2 78.8 78.9 78.9 79.1 9a Other residential 416.2 403.3 408.1 413.0 419.4 425.7 450.3 453.2 450.4 453.4 451.5 447.7 9b Commercial 252.5 259.4 260.4 266.7 272.7 275.6 278.6 282.4 283.1 283.7 284.1 284.4 10 Consumer 315.0 285.2 285.2 284.5 281.5 285.1 294.1 299.8 302.6 301.1 298.3 298.1 11 Security (3) 77.8 63.1 58.8 56.3 52.4 65.5 84.9 74.9 74.9 69.6 69.9 72.8 11a Fed funds and RPs with broker/dealer 62.4 45.4 41.9 38.9 35.3 47.5 64.6 54.5 53.3 47.5 47.2 50.6 11b Other 15.4 17.7 16.9 17.4 17.1 18.0 20.2 20.4 21.6 22.2 22.7 22.2 12a State and local government 11.7 12.0 12.3 12.4 12.4 12.3 12.2 12.3 12.3 12.3 12.4 12.4 12b Agricultural 9.1 8.9 9.1 9.5 9.8 9.6 9.6 9.8 9.7 9.7 9.7 9.7 12c Fed funds and RPs with others 13.4 10.1 7.9 11.2 10.0 12.3 11.8 11.2 11.0 11.1 10.8 11.6 12d All other loans 94.2 99.2 99.6 98.6 96.5 100.6 84.5 80.4 82.2 77.5 78.0 76.5 12e Lease financing receivables 110.6 121.6 122.8 123.5 126.1 127.8 129.5 132.1 132.0 131.8 131.5 131.4 13 Interbank loans 135.7 141.7 133.2 134.1 145.3 142.2 144.2 140.1 141.0 142.8 143.9 147.5 13a Fed funds and RPs with banks 88.4 88.4 81.8 81.9 88.6 76.6 74.6 68.9 68.6 71.0 71.0 72.1 13b Other 47.3 53.3 51.4 52.3 56.7 65.5 69.7 71.2 72.4 71.7 72.9 75.4 14 Cash assets (4) 164.6 145.7 136.6 149.0 154.7 157.3 170.5 170.1 153.9 156.9 152.4 170.3 15 Other assets (5) 239.6 240.1 238.0 247.9 241.8 246.7 250.8 256.1 263.0 262.8 267.7 258.0 16 TOTAL ASSETS (6) 3,001.8 2,964.5 2,957.5 3,003.5 3,027.5 3,085.3 3,165.7 3,166.9 3,171.2 3,160.6 3,168.0 3,181.8 ------------------------------------------------- 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) March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,738.5 1,710.0 1,698.2 1,710.2 1,713.8 1,737.1 1,760.1 1,741.5 1,739.0 1,726.9 1,733.3 1,727.9 18 Transaction 386.1 350.3 333.2 340.1 334.7 341.6 365.0 346.9 329.1 318.1 327.8 339.6 19 Nontransaction 1,352.4 1,359.7 1,365.0 1,370.1 1,379.1 1,395.5 1,395.1 1,394.5 1,409.9 1,408.8 1,405.5 1,388.3 20 Large time 235.9 227.2 225.8 234.9 247.5 258.6 263.5 263.6 267.9 266.6 271.2 265.6 21 Other 1,116.4 1,132.5 1,139.2 1,135.2 1,131.5 1,136.9 1,131.6 1,130.9 1,142.0 1,142.2 1,134.3 1,122.7 22 Borrowings 659.4 639.1 630.1 663.4 667.7 679.9 734.3 751.0 753.5 736.2 730.3 750.1 23 From banks in the U.S. 220.2 214.8 213.7 218.1 234.4 240.8 241.5 255.1 255.3 260.1 264.8 264.8 24 From others 439.3 424.2 416.4 445.3 433.3 439.1 492.8 496.0 498.2 476.1 465.5 485.2 25 Net due to related foreign offices 109.0 135.7 144.0 146.4 161.9 176.7 178.6 190.4 189.4 210.1 215.6 215.6 26 Other liabilities 199.7 179.7 184.9 183.9 191.1 195.6 194.4 183.1 190.0 186.8 188.5 186.4 27 TOTAL LIABILITIES 2,706.6 2,664.5 2,657.2 2,703.8 2,734.4 2,789.3 2,867.4 2,866.0 2,871.8 2,860.0 2,867.7 2,880.0 28 Residual (assets less liabilities) (7) 295.2 300.0 300.3 299.7 293.0 296.0 298.3 300.9 299.4 300.5 300.2 301.8 MEMO 29 Reval. gains on off-bal. sheet items (8) 66.5 54.4 58.4 60.1 60.9 59.8 64.5 62.7 63.6 63.6 67.9 66.3 30 Reval. losses on off-bal. sheet items (8) 67.2 56.3 62.5 59.8 60.0 59.8 63.9 61.8 63.9 63.3 67.7 66.0 31 Mortgage-backed securities (9) 289.1 273.8 278.2 280.6 279.0 281.7 281.7 279.6 276.9 275.8 276.5 281.1 31a Pass-through 196.1 183.2 186.8 185.4 184.8 187.9 188.8 188.0 189.0 187.8 188.7 193.5 31b CMO, REMIC, and other 93.0 90.6 91.4 95.2 94.2 93.8 92.8 91.5 87.9 88.0 87.8 87.7 32 Net unrealized gains (losses) on 3.0 -3.3 -4.2 -4.9 -5.6 -5.8 -6.0 -7.4 -8.1 -7.8 -7.9 -7.8 available-for-sale securities (10) 33 Offshore credit to U.S. residents (11) 38.9 36.3 32.2 27.8 26.7 24.8 24.0 23.2 23.5 23.2 23.8 23.8 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,466.8 1,537.4 1,550.8 1,564.2 1,586.8 1,590.2 1,601.0 1,616.4 1,620.0 1,624.9 1,632.9 1,640.9 2 Securities in bank credit 428.2 453.1 454.8 456.5 459.1 453.5 451.3 454.4 455.1 456.8 457.6 460.9 3 U.S. government securities 320.7 337.1 337.0 338.7 340.3 334.4 330.5 334.9 336.2 338.1 339.1 341.4 4 Other securities 107.5 116.0 117.8 117.8 118.8 119.1 120.8 119.5 118.9 118.8 118.5 119.5 5 Loans and leases in bank credit (2) 1,038.5 1,084.3 1,096.0 1,107.7 1,127.7 1,136.7 1,149.7 1,162.0 1,164.9 1,168.0 1,175.3 1,180.0 6 Commercial and industrial 190.7 202.3 204.0 206.9 213.0 215.1 216.5 219.3 220.8 220.7 222.0 223.2 7 Real estate 583.7 616.2 623.8 628.8 642.3 648.3 654.4 661.0 664.7 667.5 670.4 673.8 8 Revolving home equity 28.1 29.3 29.3 29.3 30.0 30.3 30.8 31.6 32.7 32.8 33.0 33.3 9 Other 555.6 586.9 594.5 599.5 612.3 618.1 623.6 629.4 632.1 634.7 637.5 640.5 10 Consumer 189.9 194.3 195.7 198.5 198.4 197.9 202.6 205.1 203.0 203.2 205.7 206.5 11 Security (3) 5.3 4.9 4.9 4.9 5.0 5.5 5.4 5.2 5.2 5.3 5.3 5.2 12 Other loans and leases 68.9 66.6 67.5 68.5 69.1 69.9 70.9 71.3 71.1 71.3 72.0 71.3 13 Interbank loans 60.9 53.0 51.0 48.8 47.1 52.1 53.6 52.5 53.7 55.5 56.1 55.7 14 Cash assets (4) 67.3 71.0 70.8 71.4 71.0 72.0 75.5 69.1 68.1 68.2 64.3 64.2 15 Other assets (5) 70.1 76.6 79.1 78.8 83.5 82.7 83.7 87.6 85.3 85.1 83.7 92.4 16 TOTAL ASSETS (6) 1,646.2 1,718.7 1,732.0 1,743.2 1,768.4 1,777.0 1,793.3 1,805.0 1,806.5 1,813.0 1,816.2 1,832.4 L I A B I L I T I E S 17 Deposits 1,319.4 1,360.0 1,367.2 1,369.3 1,390.8 1,401.2 1,418.7 1,428.7 1,435.0 1,438.7 1,441.5 1,449.3 18 Transaction 278.7 280.8 282.4 279.7 279.9 277.3 276.2 274.2 271.8 271.6 272.6 276.7 19 Nontransaction 1,040.8 1,079.2 1,084.8 1,089.6 1,110.9 1,123.9 1,142.4 1,154.6 1,163.2 1,167.0 1,168.9 1,172.6 20 Large time 185.7 193.7 196.3 197.6 204.1 208.0 210.1 211.5 213.2 214.2 215.8 215.9 21 Other 855.1 885.5 888.5 892.0 906.8 915.9 932.3 943.0 949.9 952.8 953.1 956.6 22 Borrowings 167.7 198.0 199.8 204.7 200.6 199.3 206.4 213.7 212.1 214.2 213.0 218.9 23 From banks in the U.S. 78.2 94.1 92.8 93.0 86.9 84.8 84.4 86.5 86.0 85.0 85.7 86.4 24 From others 89.5 103.9 107.0 111.7 113.8 114.5 122.0 127.2 126.1 129.3 127.3 132.5 25 Net due to related foreign offices 3.0 4.3 3.5 3.4 4.3 4.5 4.5 5.1 5.3 5.1 4.9 4.9 26 Other liabilities 29.1 30.8 32.6 33.7 35.2 35.0 35.0 33.3 34.9 35.6 36.6 36.9 27 TOTAL LIABILITIES 1,519.2 1,593.1 1,603.1 1,611.1 1,631.0 1,640.0 1,664.5 1,680.7 1,687.2 1,693.6 1,696.0 1,710.0 28 Residual (assets less liabilities) (7) 127.0 125.6 128.9 132.2 137.5 137.0 128.8 124.3 119.2 119.4 120.2 122.4 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,460.2 1,538.6 1,553.0 1,567.4 1,585.6 1,587.2 1,599.0 1,609.4 1,611.0 1,614.5 1,620.7 1,628.3 2 Securities in bank credit 427.5 451.4 453.2 454.1 456.0 451.3 451.2 453.9 453.3 455.5 455.1 458.5 3 U.S. government securities 320.1 335.5 335.2 336.8 337.3 332.1 330.6 334.5 334.7 337.2 337.2 339.6 4 Other securities 107.4 115.8 118.0 117.3 118.7 119.1 120.6 119.4 118.6 118.3 117.9 118.8 5 Loans and leases in bank credit (2) 1,032.7 1,087.3 1,099.7 1,113.3 1,129.6 1,135.9 1,147.9 1,155.5 1,157.7 1,159.0 1,165.6 1,169.8 6 Commercial and industrial 190.0 202.2 202.8 205.8 211.5 213.5 215.5 218.5 220.2 220.0 221.4 222.8 7 Real estate 579.7 618.3 626.0 632.2 643.8 648.8 652.5 657.0 660.4 662.7 665.0 668.2 8 Revolving home equity 28.1 29.0 29.2 29.6 30.2 30.5 31.0 31.6 32.7 32.8 32.9 33.1 9 Other 551.7 589.2 596.8 602.6 613.5 618.3 621.5 625.4 627.7 629.9 632.1 635.1 10 Consumer 190.8 193.7 196.2 199.7 199.1 198.4 204.3 205.8 203.4 202.8 204.9 205.5 11 Security (3) 5.3 4.9 4.9 4.9 5.0 5.5 5.4 5.2 5.2 5.3 5.3 5.2 12 Other loans and leases 66.8 68.2 69.8 70.7 70.3 69.7 70.1 69.1 68.5 68.2 69.0 68.2 13 Interbank loans 60.9 48.9 48.5 47.6 48.2 58.3 57.7 52.5 53.2 56.0 55.5 52.9 14 Cash assets (4) 70.5 69.2 67.7 70.1 70.2 74.3 79.0 72.1 69.0 66.0 66.9 66.5 15 Other assets (5) 67.1 77.8 79.7 79.2 83.5 84.4 83.6 84.0 84.0 82.4 82.5 91.1 16 TOTAL ASSETS (6) 1,639.9 1,715.2 1,729.1 1,744.4 1,767.6 1,784.2 1,799.0 1,797.5 1,796.6 1,798.2 1,804.9 1,818.0 L I A B I L I T I E S 17 Deposits 1,312.1 1,357.4 1,365.9 1,372.3 1,394.7 1,413.9 1,423.3 1,420.5 1,421.7 1,420.9 1,424.8 1,427.7 18 Transaction 283.1 276.9 275.5 276.7 276.9 281.0 286.7 278.2 272.1 268.0 272.5 273.3 19 Nontransaction 1,028.9 1,080.5 1,090.4 1,095.6 1,117.8 1,132.9 1,136.6 1,142.3 1,149.6 1,152.9 1,152.3 1,154.4 20 Large time 185.7 193.7 196.3 197.6 204.1 208.0 210.1 211.5 213.2 214.2 215.8 215.9 21 Other 843.2 886.9 894.0 898.0 913.7 924.9 926.5 930.7 936.4 938.7 936.5 938.5 22 Borrowings 168.1 197.8 199.8 207.3 203.4 201.6 208.4 213.9 212.6 210.3 211.2 215.9 23 From banks in the U.S. 78.9 93.3 92.0 93.5 88.8 86.6 86.5 87.3 86.3 83.3 84.9 85.3 24 From others 89.2 104.5 107.8 113.9 114.7 115.0 121.9 126.6 126.2 127.0 126.3 130.6 25 Net due to related foreign offices 3.0 4.3 3.5 3.4 4.3 4.5 4.5 5.1 5.3 5.1 4.9 4.9 26 Other liabilities 29.7 30.9 32.4 33.0 34.3 34.2 34.3 33.9 35.7 36.8 37.4 37.8 27 TOTAL LIABILITIES 1,513.0 1,590.4 1,601.5 1,616.1 1,636.7 1,654.2 1,670.4 1,673.4 1,675.3 1,673.1 1,678.4 1,686.4 28 Residual (assets less liabilities) (7) 126.9 124.9 127.6 128.3 130.8 130.0 128.6 124.1 121.3 125.1 126.5 131.6 MEMO 31 Mortgage-backed securities (9) 54.3 65.4 64.8 65.2 67.0 65.7 65.6 68.1 68.3 68.9 68.9 69.6 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 580.8 522.4 523.8 518.8 527.1 548.2 555.9 546.9 541.0 536.1 532.4 537.3 2 Securities in bank credit 210.2 190.2 190.0 189.3 194.1 198.9 206.6 198.6 192.4 187.6 183.9 186.0 3 U.S. government securities 86.0 86.0 84.0 81.6 82.0 79.5 81.5 79.1 77.0 74.6 71.7 71.7 4 Other securities 124.2 104.2 106.0 107.7 112.2 119.4 125.1 119.6 115.5 113.0 112.2 114.2 5 Loans and leases in bank credit (2) 370.6 332.2 333.8 329.5 333.0 349.3 349.3 348.3 348.6 348.5 348.5 351.3 6 Commercial and industrial 212.6 193.2 195.3 197.0 198.1 199.9 194.6 194.3 195.4 196.0 196.3 198.9 7 Real estate 21.6 18.5 17.5 17.5 17.3 17.0 16.9 17.0 17.4 17.2 17.2 17.4 11 Security (3) 63.5 52.8 55.0 51.4 54.9 65.5 67.1 66.9 66.6 65.6 65.5 64.7 12 Other loans and leases 73.0 67.7 66.0 63.6 62.6 66.9 70.7 70.0 69.2 69.8 69.5 70.3 13 Interbank loans 29.4 27.5 25.7 22.9 25.4 25.2 28.3 29.4 32.4 32.0 37.0 34.1 14 Cash assets (4) 36.1 36.6 39.5 42.4 44.7 51.1 55.4 53.8 49.3 51.5 51.8 53.2 15 Other assets (5) 38.2 32.3 29.0 29.3 31.5 34.5 37.2 39.2 39.4 38.7 38.2 38.9 16 TOTAL ASSETS (6) 684.2 618.5 617.7 613.1 628.3 658.7 676.4 669.0 661.9 658.1 659.1 663.2 L I A B I L I T I E S 17 Deposits 319.3 309.3 309.0 311.0 331.4 358.3 377.9 386.1 384.7 382.1 386.5 381.6 18 Transaction 11.9 10.9 11.0 10.8 10.7 10.5 10.7 10.4 10.9 11.0 10.6 10.5 19 Nontransaction 307.4 298.4 298.0 300.1 320.7 347.7 367.2 375.7 373.8 371.2 375.9 371.1 22 Borrowings 195.7 174.7 174.6 171.3 178.1 186.8 181.7 181.6 182.7 177.2 173.0 175.5 23 From banks in the U.S. 21.6 24.4 23.5 25.1 22.1 26.0 24.5 22.1 22.6 20.7 20.1 19.8 24 From others 174.1 150.3 151.0 146.2 156.1 160.8 157.2 159.6 160.1 156.5 152.9 155.7 25 Net due to related foreign offices 95.4 71.9 72.0 66.1 53.5 44.0 39.0 33.4 25.2 27.1 26.3 24.7 26 Other liabilities 74.6 62.6 61.5 64.4 65.3 66.8 70.1 69.3 73.2 70.4 70.8 70.6 27 TOTAL LIABILITIES 685.0 618.5 617.1 612.8 628.3 655.8 668.7 670.5 665.8 656.8 656.6 652.4 28 Residual (assets less liabilities) (7) -0.7 0.0 0.6 0.3 -0.0 2.9 7.7 -1.5 -3.9 1.3 2.5 10.7 ------------------------------------------------- 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 March 3, 2000 Account 1999 1999 1999 1999 1999 1999 1999 2000 Week ending Jan Jul Aug Sep Oct Nov Dec Jan Feb 2 Feb 9 Feb 16 Feb 23 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 584.2 519.2 520.0 517.9 531.1 551.3 559.1 550.4 546.1 540.0 535.8 537.2 2 Securities in bank credit 210.4 188.6 188.7 188.7 196.9 202.0 205.7 199.1 194.9 189.9 185.6 186.0 3 U.S. government securities 85.7 85.5 83.0 80.7 81.9 79.9 81.8 78.8 77.2 75.2 72.0 72.1 3a Trading account 19.4 19.0 16.5 14.8 14.1 8.4 6.9 7.7 9.4 8.0 6.3 6.6 3b Investment account 66.3 66.5 66.5 65.8 67.8 71.5 75.0 71.1 67.8 67.2 65.7 65.5 4 Other securities 124.7 103.1 105.7 108.0 115.1 122.1 123.9 120.3 117.7 114.6 113.6 113.9 4a Trading account 76.0 60.8 64.9 69.7 74.9 80.7 80.6 76.0 73.8 72.6 71.9 72.4 4b Investment account 48.7 42.3 40.9 38.3 40.2 41.5 43.2 44.3 43.9 42.1 41.6 41.5 5 Loans and leases in bank credit (2) 373.8 330.6 331.3 329.3 334.2 349.3 353.4 351.3 351.2 350.1 350.3 351.2 6 Commercial and industrial 214.4 192.4 193.6 196.7 199.2 201.2 197.3 196.0 196.4 197.3 198.8 200.1 7 Real estate 21.7 18.3 17.4 17.5 17.5 17.1 16.9 17.2 17.6 17.5 17.5 17.7 11 Security (3) 63.4 52.4 55.0 51.6 54.6 64.7 67.5 66.9 66.8 64.8 64.3 63.6 12 Other loans and leases 74.3 67.5 65.3 63.5 62.9 66.3 71.6 71.2 70.4 70.5 69.7 69.7 13 Interbank loans 29.4 27.5 25.7 22.9 25.4 25.2 28.3 29.4 32.4 32.0 37.0 34.1 14 Cash assets (4) 36.5 36.4 39.1 42.1 45.3 51.9 57.7 54.5 49.0 50.6 51.0 51.6 15 Other assets (5) 38.5 31.5 29.6 29.6 31.4 34.6 38.7 39.5 40.0 40.0 39.0 39.5 16 TOTAL ASSETS (6) 688.4 614.5 614.2 612.4 632.9 662.7 683.4 673.5 667.2 662.3 662.5 662.1 L I A B I L I T I E S 17 Deposits 316.7 306.8 306.4 310.5 331.4 357.7 382.3 382.9 381.3 380.1 383.4 381.2 18 Transaction 11.9 10.8 10.9 11.3 10.7 10.4 11.1 10.4 10.8 10.5 10.5 10.4 19 Nontransaction 304.8 296.0 295.5 299.2 320.7 347.3 371.2 372.5 370.5 369.5 372.9 370.8 22 Borrowings 195.7 174.7 174.6 171.3 178.1 186.8 181.7 181.6 182.7 177.2 173.0 175.5 23 From banks in the U.S. 21.6 24.4 23.5 25.1 22.1 26.0 24.5 22.1 22.6 20.7 20.1 19.8 24 From others 174.1 150.3 151.0 146.2 156.1 160.8 157.2 159.6 160.1 156.5 152.9 155.7 25 Net due to related foreign offices 98.1 69.3 69.9 64.6 55.3 46.7 44.2 35.3 25.0 28.9 29.7 29.7 26 Other liabilities 74.8 61.7 61.7 64.0 64.6 67.6 71.5 69.5 74.1 72.1 72.6 72.2 27 TOTAL LIABILITIES 685.2 612.5 612.5 610.4 629.5 658.8 679.6 669.4 663.1 658.2 658.6 658.6 28 Residual (assets less liabilities) (7) 3.2 1.9 1.7 1.9 3.3 3.9 3.8 4.1 4.1 4.1 3.9 3.5 MEMO 29 Reval. gains on off-bal. sheet items (8) 45.7 37.5 38.1 38.4 39.0 40.1 39.4 38.0 41.1 39.1 39.3 38.7 30 Reval. losses on off-bal. sheet items (8) 42.4 36.2 36.3 37.4 37.8 39.1 38.4 37.5 41.8 39.8 39.6 38.9 ------------------------------------------------- Footnotes appear on page 13. H.8 (510) Footnotes Page 13 March 3, 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 $2.5 billion in assets and liabilities of nonbank institutions in the week ending February 23, 2000. The major items affected were (in billions): U.S. goverment securities, $0.7; other securities, $0.8; real estate loans revolving home equity, $0.1; and real estate loans, other, $1.0. The major liability item affected was nontransaction deposits, other, $2.5.