H.

8(510)

December 20, 1996

Data on the attached H.8 release have been benchmarked through the June 1996 Call
report. Data on the previous release were benchmarked to the March 1996 Call
report.
Historical data are available on the Department of Commerce Economic Bulletin
Board.
For information, call (202) 482-1986.

H.8 (510)
pg.1
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
For release at 4:15 p.m. Eastern Time
Seasonally adjusted, billions of dollars
December 20, 1996
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
3,681.9
3,688.2
3,753.9
3,765.5
2
990.6
990.6
3
708.5
703.3
4
282.1
287.3

Sep

3,678.4

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

1996

Oct

Nov

--------

--------

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

3,692.6

3,719.6

3,598.9
3,674.8
3,749.4
3,736.1
3,779.0

968.4

986.3

999.1
982.4

997.3
997.3

700.8

705.7

714.1
704.0

713.2
710.2

267.5

280.6

285.0
278.4

284.0
287.2

(2)
2,751.2

2,599.8
2,677.5
2,763.1
2,753.6
2,781.7

770.4

775.2

1,115.5

1,076.8
1,100.0
1,119.2
1,120.8
1,124.2

82.4

83.5

1,033.1

1,035.7

Securities in bank credit
984.6
973.2
967.2
995.7
U.S. government securities
707.6
701.3
702.2
704.5
Other securities
277.0
271.9
265.0
291.2

5
Loans and leases in bank credit
2,691.4
2,703.6
2,705.2
2,725.4
2,763.3
2,769.9
6
Commercial and industrial
738.5
743.0
744.4
759.0
778.9
785.5
7
Real estate
1,103.4
1,105.5
1,111.7
1,113.4
1,122.4
1,122.9
8
Revolving home equity
79.4
79.9
80.6
81.2
84.8
84.9
9
Other
1,024.1
1,025.6
1,031.1
1,032.2

Nov 20

713.6
772.7

78.9
83.6

735.3
780.5

79.7
83.9

997.9
1,020.3
1,037.2
1,040.2

1,037.6
10
510.4
521.0
11
81.5
74.7
12
257.6
266.4

1,038.0
Consumer
513.4
514.7
518.3
520.9
Security (3)
79.1
72.7
73.4
71.9
Other loans and leases
262.6
261.7
261.3
268.7

491.1
520.8

504.9
520.6

86.3
72.4

82.0
84.3

269.7

232.1
267.0

255.3
272.2

518.0

520.2

78.6

78.7

268.8

13 Interbank loans
208.4
197.3
198.3
210.0
199.3

205.0

199.7

213.1

193.7
214.7

210.7
215.5

14 Cash assets (4)
217.2
219.1
221.8
222.3
232.1

220.0

222.6

231.5

216.1
223.7

219.5
235.6

15 Other assets (5)
240.5
250.0
255.6
272.1
266.0

258.5

250.9

260.8

220.0
258.3

230.6
263.4

16 TOTAL ASSETS (6)
4,290.7
4,297.0
4,296.6
4,400.6
4,405.4

4,318.6

4,334.9

4,172.2
4,278.6
4,397.1
4,375.1
4,435.7

2,777.5

2,810.7

2,648.1
2,712.3
2,849.6
2,818.3
2,885.4

725.6

719.6

723.6

2,051.9

2,091.0

1,879.4
1,957.2
2,126.0
2,114.8
2,138.3

471.5

487.3

493.6

1,580.4

1,603.7

1,456.2
1,518.6
1,632.4
1,623.9
1,640.9

L I A B I L I T I E S
17 Deposits
2,721.1
2,732.2
2,753.2
2,871.5
2,875.7
18
Transaction
750.0
741.9
734.1
711.8
723.9
19
Nontransaction
1,971.2
1,990.3
2,019.1
2,159.7
2,151.9
20
Large time
444.2
453.9
460.5
501.9
499.9
21
Other
1,526.9
1,536.4
1,558.7
1,657.8
1,652.0

22 Borrowings
713.3
705.9
717.9
718.8
683.3
676.9
675.0
23
From banks in the U.S.
303.3
295.0
300.1
303.5
294.5
285.9
280.7
24
From others
409.9
410.9
417.8
415.3
388.8
391.0
394.3
25
Net due to related foreign offices
257.2
253.6
244.4
248.9
243.8
233.1
225.3

768.7
703.5

423.2
490.9

755.1
747.1

438.6
497.3

700.7

674.0
708.4

721.9
716.2

296.3

291.4
303.4

307.3
306.5

404.4

382.6
405.1

414.6
409.8

236.4

264.4
243.9

256.9
216.4

26 Other liabilities
226.4
218.7
218.6
258.5
258.8

218.6

238.4

251.3

27 TOTAL LIABILITIES
3,917.9
3,910.4
3,934.1
4,040.0
4,034.9

3,963.9

3,976.1

3,809.4
3,910.7
4,037.9
4,015.8
4,072.3

28 Residual (assets less liabilities) (7)
372.8
386.6
362.5
354.7
358.8
360.6
370.5

359.1

222.9
245.2

219.7
254.3

362.8
359.3

367.9
363.4

H.8 (510)
pg.2
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
3,679.0
3,681.4
3,756.3
3,761.4
2
991.9
982.7
3
708.6
704.4
4
283.2
278.3

Sep

3,677.6

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

1996

Oct

Nov

--------

--------

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

3,696.7

3,718.5

3,605.0
3,672.3
3,748.6
3,734.9
3,771.7

967.7

978.7

997.8
975.5

1,002.3
985.5

700.1

704.5

712.4
702.5

714.0
706.5

267.6

274.2

285.4
273.0

288.3
279.0

(2)
2,750.8

2,607.3
2,670.0
2,769.9
2,759.3
2,786.3

765.8

773.3

1,118.6

1,082.4
1,096.9
1,125.0
1,125.7
1,129.2

83.0

84.0

1,035.6

1,003.1
1,017.3
1,041.0
1,041.6
1,044.9

518.5

521.0

Securities in bank credit
981.6
977.4
970.1
980.2
U.S. government securities
705.4
704.5
703.7
703.3
Other securities
276.2
272.9
266.4
276.9

5
Loans and leases in bank credit
2,687.1
2,699.8
2,700.2
2,726.7
2,773.7
2,781.2
6
Commercial and industrial
741.4
744.1
741.1
754.0
775.6
777.5
7
Real estate
1,102.0
1,105.3
1,111.2
1,115.3
1,128.0
1,129.9
8
Revolving home equity
79.3
80.0
80.8
81.7
85.0
85.1
9
Other
1,022.7
1,025.3
1,030.4
1,033.5
1,042.9
1,044.8
10
Consumer
506.6
510.6
514.8
519.5

Nov 20

711.9
771.9

79.3
84.1

491.9
521.2

740.8
779.0

79.6
84.3

503.2
522.0

523.2
11
79.5
75.6
12
257.5
271.3

524.0
Security (3)
76.6
70.8
73.1
78.1
Other loans and leases
263.1
262.2
264.9
271.7

87.7
72.7

77.9
83.4

271.3

233.3
267.8

251.2
272.7

76.9

79.2

270.9

13 Interbank loans
204.5
194.5
192.9
224.1
210.9

199.5

197.8

216.0

197.0
214.9

204.3
214.2

14 Cash assets (4)
215.1
216.8
212.3
230.0
228.2

220.9

223.5

235.9

220.1
227.5

216.9
242.9

15 Other assets (5)
240.1
250.8
257.5
271.4
263.8

259.8

251.2

259.3

219.4
253.6

231.4
260.8

16 TOTAL ASSETS (6)
4,281.4
4,286.3
4,282.7
4,423.8
4,406.3

4,319.0

4,333.3

4,184.8
4,267.8
4,401.9
4,372.9
4,431.8

2,776.8

2,808.4

2,664.1
2,702.0
2,864.3
2,830.1
2,890.0

724.7

718.0

735.3

2,052.1

2,090.4

1,881.8
1,959.3
2,129.0
2,116.0
2,134.5

470.2

485.4

495.0

1,581.9

1,605.0

1,457.6
1,515.3
1,633.9
1,623.9
1,635.0

L I A B I L I T I E S
17 Deposits
2,717.9
2,725.3
2,740.9
2,897.9
2,889.2
18
Transaction
743.5
734.8
720.4
735.3
733.0
19
Nontransaction
1,974.4
1,990.5
2,020.5
2,162.7
2,156.2
20
Large time
444.1
451.7
459.7
502.7
502.0
21
Other
1,530.4
1,538.8
1,560.8
1,659.9
1,654.2

22 Borrowings
721.8
714.6
709.1
711.1
674.0
690.1
679.5
23
From banks in the U.S.
305.4
293.1
288.8
288.1
284.5
306.4
302.5
24
From others
416.4
421.5
420.3
423.0
389.4
383.7
377.0
25
Net due to related foreign offices
249.5
251.8
243.4
245.1
245.2
222.1
222.1
26 Other liabilities
227.1
218.2
218.1
258.5
258.8

218.7

238.4

782.3
714.1

424.2
492.1

742.8
755.5

444.0
499.5

694.8

681.8
695.8

717.3
702.4

296.6

294.5
296.3

303.8
300.2

398.2

387.4
399.6

413.5
402.2

233.7

263.3
237.7

259.1
229.4

251.3

224.9
245.2

222.3
254.3

27 TOTAL LIABILITIES
3,916.3
3,909.9
3,911.5
4,068.6
4,049.5

3,951.7

3,965.8

28 Residual (assets less liabilities) (7)
365.1
376.4
371.3
367.3
367.4
355.2
356.8
29
-76.0
30
-65.3

3,834.0
3,900.7
4,043.9
4,008.8
4,076.1

357.9

MEMO
Reval. gains on off-bal. sheet items (8)
----73.1
74.3
Reval. losses on off-bal. sheet items (8)
----61.9
61.5

350.8
364.1

367.1
355.7

-70.2

-74.7

-59.2

-63.0

H.8 (510)
pg.3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED
STATES (1)
Seasonally adjusted, billions of dollars
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
3,215.0
3,221.3
3,248.6
3,253.8
2
838.1
821.2
3
629.4
615.3
4
208.7
205.9

Sep

3,212.8

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

1996

Oct

Nov

--------

--------

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

3,228.0

3,236.4

3,159.8
3,214.9
3,245.5
3,238.3
3,260.1

821.6

822.4

854.9
820.7

845.7
826.6

618.4

617.4

647.1
616.4

635.4
617.8

203.2

205.0

207.8
204.4

210.3
208.8

(2)
2,414.8

2,304.9
2,369.2
2,423.1
2,417.6
2,433.6

563.2

564.6

1,082.3

1,040.0
1,066.5
1,085.9
1,087.4
1,090.7

82.3

83.5

Securities in bank credit
836.2
823.7
822.5
825.1
U.S. government securities
628.3
620.2
619.9
616.7
Other securities
207.9
203.5
202.6
208.4

5
Loans and leases in bank credit
2,376.9
2,385.1
2,389.2
2,405.6
2,427.4
2,428.7
6
Commercial and industrial
548.4
550.6
552.7
560.5
567.0
567.4
7
Real estate
1,070.3
1,072.5
1,078.6
1,080.6
1,089.3
1,089.7
8
Revolving home equity
79.3
79.9
80.6
81.2
84.7
84.9

Nov 20

534.6
563.1

78.9
83.6

548.2
567.8

79.7
83.9

9
990.9
1,004.5
10
510.4
521.0
11
46.8
43.3
12
201.0
206.9

Other
992.6
998.0
999.4
1,004.8
Consumer
513.4
514.7
518.3
520.9
Security (3)
45.9
41.9
44.1
42.3
Other loans and leases
202.8
201.2
202.1
208.5

999.9

1,002.4

961.2
1,003.8

986.8
1,006.8

518.0

520.2

491.1
520.8

504.9
520.6

43.8

43.1

53.6
39.3

50.7
43.4

207.5

209.3

185.6
207.0

198.9
211.1

13 Interbank loans
184.1
178.0
181.4
189.3
184.0

185.5

181.1

192.7

168.8
191.8

187.4
199.4

14 Cash assets (4)
191.4
191.3
194.0
189.8
200.1

192.2

193.9

200.8

185.9
193.5

193.2
204.5

15 Other assets (5)
200.7
210.9
215.5
235.0
227.4

220.2

217.9

225.6

173.7
224.2

187.6
227.7

16 TOTAL ASSETS (6)
3,734.1
3,744.1
3,746.2
3,805.1
3,807.9

3,768.3

3,771.6

3,631.7
3,726.3
3,807.0
3,790.2
3,834.1

2,591.8

2,605.0

2,479.2
2,539.9
2,643.1
2,614.7
2,675.3

716.1

709.0

712.8

1,875.7

1,896.1

1,720.1
1,795.6
1,930.3
1,921.6
1,938.6

297.6

295.4

300.4

1,578.1

1,600.6

1,452.7
1,516.2
1,629.9
1,621.8
1,638.0

L I A B I L I T I E S
17 Deposits
2,549.5
2,552.4
2,572.8
2,655.4
2,657.7
18
Transaction
739.3
731.3
723.7
700.6
713.3
19
Nontransaction
1,810.2
1,821.1
1,849.0
1,954.8
1,944.4
20
Large time
283.2
287.1
292.1
302.8
302.5
21
Other
1,527.0
1,534.0
1,557.0
1,652.0
1,642.0

22 Borrowings
583.1
581.1
586.2
597.0
567.6
554.9
550.7
23
From banks in the U.S.
270.6
264.2
264.6
269.9
260.6
247.0
241.3
24
From others
312.5
316.9
321.6
327.1
307.1
307.9
309.4
25
Net due to related foreign offices
80.6
78.0
73.9
74.0
78.7

759.1
693.0

267.5
299.8

744.3
736.7

279.4
300.6

574.4

566.0
587.0

585.6
576.8

259.2

259.8
269.7

270.2
259.8

315.2

306.2
317.2

315.4
317.0

89.8
71.5

88.8
65.5

69.6

67.8

64.9

26 Other liabilities
157.1
151.4
153.1
174.1
173.9

153.1

165.8

171.3

27 TOTAL LIABILITIES
3,370.3
3,362.9
3,385.9
3,452.2
3,447.2

3,415.9

3,417.1

3,276.4
3,361.8
3,458.4
3,439.5
3,489.2

28 Residual (assets less liabilities) (7)
363.8
381.2
360.3
352.5
354.5
352.9
360.6

348.6

141.3
166.3

355.3
350.7

147.5
171.7

364.5
344.9

H.8 (510) pg.4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED
STATES (1)
Not seasonally adjusted, billions of dollars
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
3,215.3
3,213.5
3,258.0
3,255.8
2
841.4
820.9
3
630.6
617.3
4
210.8
203.6

Sep

3,209.7

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

1996

Oct

Nov

--------

--------

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

3,230.5

3,238.5

3,169.5
3,215.3
3,252.4
3,245.0
3,263.8

819.8

820.8

855.7
819.4

849.0
822.9

618.3

617.2

646.1
615.9

637.0
616.4

201.5

203.6

209.6
203.5

212.0
206.5

Securities in bank credit
832.3
825.8
824.0
820.3
U.S. government securities
626.3
622.1
622.0
617.0
Other securities
206.0
203.6
202.0
203.3

Nov 20

5
Loans and leases in bank credit (2)
2,313.8
2,366.3
2,373.8
2,381.2
2,383.9
2,406.5
2,418.7
2,431.6
2,425.7
2,440.9
2,437.1
2,435.5
6
Commercial and industrial
533.6
553.6
550.9
550.6
548.5
556.3
560.8
563.6
562.7
566.4
564.4
561.8
7
Real estate
1,045.5
1,063.6
1,068.9
1,072.4
1,078.1
1,082.3
1,085.4
1,091.4
1,092.1
1,095.5
1,094.6
1,096.6
8
Revolving home equity
79.3
79.6
79.3
80.0
80.8
81.7
83.0
83.9
84.0
84.3
85.0
85.1
9
Other
966.2
984.0
989.6
992.4
997.3
1,000.6
1,002.4
1,007.5
1,008.0
1,011.2

1,009.6
10
506.6
523.2
11
47.0
44.2
12
200.4
210.7

1,011.5
Consumer
510.6
514.8
519.5
524.0
Security (3)
44.6
41.0
44.0
43.4
Other loans and leases
203.0
201.5
204.5
209.8

491.9
521.2

503.2
522.0

44.5

55.5
41.2

49.6
45.0

210.1

211.1

187.3
208.5

196.3
212.1

518.5

521.0

44.0

13 Interbank loans
182.1
175.3
176.5
203.2
195.1

179.4

177.9

196.2

172.8
193.9

180.8
197.0

14 Cash assets (4)
188.6
188.6
183.8
198.5
197.1

192.2

194.3

205.6

190.3
197.5

191.0
212.2

15 Other assets (5)
200.5
212.2
216.4
233.6
224.1

221.3

218.4

223.6

172.4
219.0

187.9
224.6

16 TOTAL ASSETS (6)
3,729.3
3,732.5
3,728.9
3,835.5
3,814.3

3,765.6

3,771.7

3,648.4
3,718.1
3,820.1
3,797.7
3,839.9

2,591.1

2,604.5

2,494.2
2,528.2
2,655.9
2,624.7
2,677.9

714.5

707.1

724.5

1,876.6

1,897.4

1,721.6
1,795.5
1,931.4
1,921.2
1,932.9

296.9

294.9

300.0

1,579.6

1,602.5

1,454.4
1,512.8
1,631.4
1,621.6
1,632.7

L I A B I L I T I E S
17 Deposits
2,544.1
2,547.8
2,562.1
2,680.3
2,667.7
18
Transaction
733.1
724.1
710.2
724.1
722.3
19
Nontransaction
1,811.0
1,823.6
1,852.0
1,956.2
1,945.4
20
Large time
283.1
287.2
293.4
300.6
299.5
21
Other
1,528.0
1,536.4
1,558.5
1,655.5
1,645.8

22 Borrowings
587.3
584.0
575.5
587.5
560.8
566.9
556.2
23
From banks in the U.S.
270.8
260.8
253.7
254.7
252.8
265.7
261.2
24
From others
316.5
323.1
321.8
332.9
308.1
301.1
295.1
25
Net due to related foreign offices
79.3
76.9
72.2
70.8
77.9
64.3
64.3

772.6
703.5

267.2
299.6

732.7
745.0

282.7
300.1

572.2

576.2
578.5

584.1
571.5

260.1

263.2
263.7

268.7
255.6

312.2

313.0
314.9

315.5
315.9

88.4
69.3

93.8
68.6

67.9

26 Other liabilities
157.5
151.4
151.7
174.1
173.9

153.0

165.8

171.3

27 TOTAL LIABILITIES
3,368.3
3,360.0
3,361.6
3,485.6
3,462.2

3,402.5

3,409.0

3,301.7
3,355.1
3,467.3
3,438.8
3,489.6

28 Residual (assets less liabilities) (7)
361.0
372.5
367.3
363.1
362.7
349.9
352.1

352.8

MEMO
Reval. gains on off-bal. sheet items (8)
-----34.0
35.2
34.8
30 Reval. losses on off-bal. sheet items (8)
-----29.7
31.4
29.8
31 Mortgage-backed securities (9)
-----239.6
240.6
238.9
29

142.9
166.3

346.6
358.8

149.0
171.7

363.0
350.3

-32.6

-35.0

-27.9

-30.6

-239.3

-239.6

H.8 (510) pg.5
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
1,814.2
1,808.3
1,805.0
1,805.8
2
425.4
408.8
3
296.5
283.6
3a
20.9
22.5
3b
275.6
261.0
4
128.9
125.2
4a

Sep

1,790.8

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

1996

Oct

Nov

--------

--------

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

1,798.5

1,801.1

1,818.7
1,824.4
1,802.6
1,795.8
1,812.3

406.3

408.8

453.0
407.7

434.1
413.3

284.0

284.8

323.1
284.2

303.9
285.4

21.3

21.8

21.0
20.4

21.5
22.5

262.7

263.0

302.2
263.9

282.4
262.9

122.3

124.0

129.9
123.5

130.2
127.8

Securities in bank credit
421.3
408.6
406.7
409.9
U.S. government securities
293.3
285.1
284.2
282.3
Trading account
20.8
19.5
20.6
22.8
Investment account
272.5
265.6
263.6
259.5
Other securities
128.0
123.5
122.5
127.6
Trading account

Nov 20

59.1

59.9

58.4
59.6
57.7
57.1
58.3
60.0
4b
Investment account
70.5
68.3
65.8
65.4
66.9
67.6
4c
State and local government
20.6
20.6
20.5
20.3
20.2
20.3
4d
Other
49.9
47.7
45.3
45.1
46.7
47.3
5
Loans and leases in bank credit
1,388.8
1,387.0
1,382.3
1,391.8
1,396.2
1,395.9
6
Commercial and industrial
372.7
373.4
373.5
379.3
382.4
382.5
7
Real estate
558.1
554.8
555.7
554.4
554.3
553.5
8
Revolving home equity
51.8
52.1
52.3
52.4
54.3
54.6
9
Other
506.3
502.7
503.5
502.0
500.0
499.0
10
Consumer
279.3
279.6
279.8
282.1
280.5
280.1
11
Security (3)
41.5
40.8
36.8
38.9
37.9
37.0
12a
State and local government
11.1
11.2
11.1
10.8
11.3
11.4
12b
All other
126.1
127.3
125.4
126.3
129.7
131.4

55.7

57.8

57.1

61.0

66.6

66.2

70.7
66.4

70.3
66.9

20.2

20.2

22.0
20.3

21.0
20.1

46.4

46.0

48.7
46.1

49.3
46.8

(2)
1,394.8

1,365.7
1,390.3
1,393.8
1,388.0
1,399.0

380.9

380.5

368.5
379.3

374.0
382.8

552.6

552.4

555.6
553.1

559.1
555.1

52.5

53.2

51.9
53.3

52.2
53.4

500.1

499.2

503.7
499.8

506.9
501.6

279.1

279.0

269.4
279.1

276.0
278.0

38.7

37.8

48.2
34.1

45.4
37.9

10.8

11.1

11.6
11.1

11.2
11.2

132.6

132.9

112.4
131.3

124.6
134.0

13 Interbank loans
131.8
129.8
131.8
133.0
129.5

133.9

130.1

137.8

114.9
139.0

135.2
142.8

14 Cash assets (4)
124.7
126.7
128.3
122.8
130.1

127.1

127.9

133.3

123.9
129.7

127.0
134.7

15 Other assets (5)
150.1
155.0
159.1
172.2
167.9

162.1

158.9

164.8

123.4
164.2

138.9
164.7

16 TOTAL ASSETS (6)
2,184.4
2,182.9
2,173.3
2,196.7
2,197.3

2,184.9

2,181.3

2,144.5
2,189.2
2,202.2
2,192.3
2,218.3

L I A B I L I T I E S
17

Deposits

1,293.3

1,331.8

1,332.2
1,336.6
1,340.6
1,365.8
1,366.1
18
Transaction
409.9
407.9
399.7
374.4
382.9
19
Nontransaction
922.3
928.7
940.9
991.4
983.2
20
Large time
134.3
136.3
139.3
154.4
154.1
21
Other
788.0
792.4
801.6
837.0
829.1

1,344.8

1,350.7

1,362.8

390.1

384.9

384.8

425.9
372.5

416.7
399.8

954.7

965.9

978.0

867.5
975.8

915.1
982.1

145.3

151.9

153.8

125.4
153.1

130.4
153.2

809.3

814.0

824.2

742.1
822.7

784.7
828.8

407.1

427.3
418.2

434.3
408.7

175.0

181.7
182.9

185.4
174.5

232.1

245.6
235.3

248.9
234.3

84.2
69.2

84.0
62.9

112.9
142.2

118.3
148.8

22 Borrowings
426.3
415.4
413.7
424.8
401.2
392.4
390.9
23
From banks in the U.S.
184.5
182.6
180.5
184.1
171.3
169.6
166.8
24
From others
241.8
232.9
233.2
240.8
229.9
222.8
224.1
25
Net due to related foreign offices
75.2
72.2
69.5
68.2
75.4
66.2
63.6

67.3

1,348.3

1,381.8

26 Other liabilities
128.8
122.3
124.9
151.7
151.0

126.5

141.1

148.1

27 TOTAL LIABILITIES
1,962.6
1,946.5
1,948.7
1,976.1
1,971.6

1,964.3

1,968.4

1,917.8
1,968.4
1,985.3
1,978.0
2,002.2

28 Residual (assets less liabilities) (7)
221.9
236.3
224.6
220.6
212.9
220.6
225.7

216.9

226.8
214.4

220.8
216.1

H.8 (510) pg.6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
Account
1996
1996

1996

1996

Jul
Dec 11

Aug

Oct

Nov

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

-------- -------------A S S E T S

--------

--------

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

1,797.7

1,802.1

1,827.0
1,823.5
1,808.1
1,801.5
1,814.2

1996

1
Bank credit
1,812.5
1,800.6
1,813.8
1,807.0

Sep

1,788.6

Nov 20

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

2
Securities in bank credit
426.4
418.0
412.1
408.4
411.0
407.2
3
U.S. government securities
295.4
291.7
288.4
286.4
288.0
284.4
3a
Trading account
19.6
19.9
20.9
21.0
24.5
22.9
3b
Investment account
275.8
271.8
267.5
265.4
263.5
261.5
4
Other securities
131.0
126.4
123.7
122.0
123.0
122.8
4a
Trading account
61.1
58.7
57.8
56.2
55.5
55.0
4b
Investment account
69.9
67.7
65.9
65.8
67.5
67.8
4c
State and local government
20.7
20.3
20.3
20.3
20.3
20.4
4d
Other
49.2
47.4
45.6
45.5
47.2
47.5
5
Loans and leases in bank credit
1,386.1
1,382.6
1,376.5
1,389.3
1,402.8
1,399.9
6
Commercial and industrial
373.8
373.2
370.6
376.2
380.8
378.1
7
Real estate
556.8
554.6
555.2
554.6
557.7
558.2
8
Revolving home equity
51.7
52.1
52.4
52.8
54.5
54.7
9
Other
505.2
502.5
502.8
501.9
503.2
503.5
10
Consumer
276.9
277.2
279.5
281.8
281.8
282.3
11
Security (3)
41.8
39.7
35.9
38.8
38.4
37.7
12a
State and local government
11.1
11.2
11.2
10.9
11.3
11.4
12b
All other
125.6
126.6
124.2
127.0
132.8
132.2
13 Interbank loans
132.9
129.6
127.6

129.3

406.6

409.0

456.0
408.6

435.2
410.7

285.9

286.5

324.6
286.1

303.6
285.6

22.0

22.8

22.0
22.0

21.3
22.4

263.9

263.8

302.6
264.1

282.3
263.2

120.6

122.5

131.4
122.4

131.6
125.1

53.5

55.4

59.8
55.0

61.7
57.3

67.1

67.1

71.6
67.4

69.9
67.8

20.2

20.3

22.2
20.4

21.1
20.3

46.9

46.8

49.5
47.0

48.8
47.6

(2)
1,395.5

1,371.0
1,388.3
1,399.1
1,392.9
1,403.5

379.2

380.3

368.2
379.7

377.6
382.2

553.9

555.4

558.5
555.4

557.0
557.3

52.9

53.5

52.2
53.6

52.1
53.7

500.9

501.8

506.2
501.8

504.9
503.6

279.1

279.3

269.6
278.9

274.8
278.5

38.9

38.9

49.8
35.7

44.5
39.5

10.9

11.1

11.6
11.1

11.2
11.2

133.5

134.0

113.3
131.9

123.2
134.7

126.0

137.0

114.2
136.5

131.7
139.5

139.8

134.3

14 Cash assets (4)
123.6
124.4
120.5
128.8
127.6

127.3

127.6

135.8

126.0
131.3

125.4
139.6

15 Other assets (5)
151.1
156.4
159.7
171.5
166.7

162.5

158.9

163.5

122.6
161.0

139.4
163.4

16 TOTAL ASSETS (6)
2,183.7
2,174.4
2,159.7
2,217.2
2,199.0

2,180.0

2,178.0

2,153.2
2,183.7
2,207.8
2,193.8
2,220.3

1,344.7

1,348.1

1,302.1
1,323.9
1,370.1
1,354.1
1,384.2

390.2

382.3

391.8

433.9
379.6

408.8
406.9

954.6

965.8

978.2

868.1
974.5

915.1
977.4

144.6

151.0

153.5

125.1
152.8

132.8
153.0

810.0

814.8

824.8

743.1
821.7

782.3
824.4

405.9

435.4
412.1

430.7
403.1

176.5

184.8
179.6

182.9
171.3

229.4

250.7
232.5

247.7
231.7

83.0
67.0

89.2
66.3

114.6
142.2

120.1
148.8

L I A B I L I T I E S
17 Deposits
1,330.4
1,333.2
1,333.9
1,380.9
1,370.9
18
Tranlgdtion
407.0
402.4
389.9
388.3
386.6
19
Nontranlgdtion
923.5
930.9
944.0
992.6
984.3
20
Large time
134.3
136.7
140.8
153.3
152.1
21
Other
789.1
794.1
803.1
839.3
832.1

22 Borrowings
429.1
421.0
408.9
418.8
396.8
401.9
393.9
23
From banks in the U.S.
183.9
181.9
174.7
173.7
166.7
183.8
181.3
24
From others
245.2
239.1
234.1
245.0
230.1
218.1
212.6
25
Net due to related foreign offices
74.1
71.2
67.8
65.0
74.5
63.0
63.0

65.8

26 Other liabilities
129.2
122.6
123.5
151.7
151.0

126.2

141.1

148.1

27 TOTAL LIABILITIES
1,962.8
1,948.0
1,934.1
1,997.4
1,978.9

1,954.7

1,960.5

1,935.1
1,963.9
1,989.8
1,975.4
2,002.4

28 Residual (assets less liabilities) (7)
220.8
226.5
225.6
225.3
217.5
219.7
220.2
MEMO

218.0

218.1
218.4

219.8
217.9

29 Reval. gains on off-bal. sheet itens(8)
-----34.0
35.2
34.8
30 Reval. losses on off-bal. sheet itens (8)
-----29.7
31.4
29.8
31 Mortgage-backed securities (9)
-----188.7
189.5
187.7

-32.6

-35.0

-27.9

-30.6

-188.4

-188.6

H.8 (510) pg.7
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
1,400.8
1,413.0
1,443.6
1,448.0
2
412.7
412.4
3
332.9
331.7
4
79.8
80.7

Sep

1,422.0

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

1996

Oct

Nov

--------

--------

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

1,429.5

1,435.3

1,341.1
1,390.5
1,442.9
1,442.5
1,447.9

415.2

413.6

401.9
413.0

411.6
413.3

334.4

332.7

323.9
332.1

331.4
332.3

80.9

80.9

77.9
80.9

80.1
80.9

Securities in bank credit
415.0
415.1
415.8
415.2
U.S. government securities
335.0
335.1
335.8
334.5
Other securities
80.0
80.0
80.0
80.7

5
Loans and leases in bank credit (2)
988.1
998.0
1,006.9
1,013.7
1,020.0
1,031.2
1,032.8
6
Commercial and industrial
175.7
177.2
179.2
181.2
182.4
184.6
184.9
7
Real estate
512.2
517.7
522.9
526.1
529.6
535.0
536.2
8
Revolving home equity
27.5
27.8
28.3
28.7
29.8
30.4
30.3
9
Other
484.6
489.9
494.6
497.4
499.8
504.6
505.8
10
Consumer
231.1
233.8
234.9
236.2
238.9
240.4
240.7
11
Security (3)

Nov 20

1,029.3

939.2
1,029.5

978.9
1,034.6

184.1

166.1
183.8

174.2
184.9

533.5

484.4
534.3

507.4
535.6

27.0
30.4

27.5
30.5

503.2

457.4
503.9

479.9
505.2

241.2

221.7
241.7

228.9
242.6

30.3

5.4

5.3

5.3
5.4
12
63.9
65.8

5.1
5.2
5.2
5.3
Other loans and leases
64.3
64.8
65.0
65.7

5.1

5.3

5.2

5.5

64.1

65.2

61.6
64.5

63.2
66.0

13
52.3
56.3

Interbank loans
48.2
49.7
54.5

51.6

51.1

54.9

53.8
52.8

52.2
56.5

14
66.7
67.0

Cash assets (4)
64.7
65.7
70.0

65.1

66.0

67.5

61.9
63.8

66.2
69.8

15
50.6
62.8

Other assets (5)
55.9
56.4
59.5

58.1

59.0

60.8

50.3
59.9

48.7
63.0

1,583.4

1,590.2

1,487.2
1,537.1
1,604.8
1,597.8
1,615.8

1,247.0

1,254.3

1,185.9
1,208.1
1,280.3
1,266.3
1,293.4

325.9

324.1

328.0

333.2
320.5

327.6
336.9

921.1

930.2

952.3

852.7
945.9

880.5
956.5

152.3

143.5

146.5

142.1
146.8

149.0
147.3

768.8

786.6

805.7

710.5
799.1

731.5
809.2

167.2

138.7
168.7

151.3
168.1

84.1

78.1
86.8

84.8
85.3

83.1

60.6
81.9

66.5
82.7

2.3

5.6
2.3

4.7
2.6

23.2

28.5
24.1

29.2
22.9

16 TOTAL ASSETS (6)
1,549.7
1,561.2
1,573.0
1,608.3
1,610.6

L I A B I L I T I E S
17 Deposits
1,217.2
1,215.8
1,232.2
1,289.6
1,291.6
18
Transaction
329.4
323.4
324.1
326.2
330.4
19
Nontransaction
887.9
892.4
908.1
963.4
961.3
20
Large time
148.9
150.7
152.8
148.4
148.4
21
Other
739.0
741.7
755.4
815.0
812.8

22 Borrowings
156.8
165.6
172.5
172.1
166.4
162.4
159.8
23
From banks in the U.S.
86.1
81.6
84.1
85.9
89.3
77.4
74.5
24
From others
70.6
84.0
88.4
86.3
77.2
85.1
85.3
25
Net due to related foreign offices
5.4
5.8
4.4
5.8
3.3
1.6
1.3
26
28.3
22.5
27

Other liabilities
29.1
28.2
22.9
TOTAL LIABILITIES

26.6

24.7

1,358.6

1,393.4

1,407.7
1,476.1

1,416.4
1,475.7

1,437.2

1,451.6

1,448.7

1,473.1

28 Residual (assets less liabilities) (7)
141.9
144.9
135.7
131.8
141.5
132.3
134.9

131.7

1,461.6
128.5
136.3

1,487.0
143.7
128.9

H.8 (510) pg.8
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
1,402.7
1,412.9
1,444.2
1,448.8
2
415.0
409.9
3
335.3
329.3
4
79.8
80.6

Sep

1,421.0

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

1996

Oct

Nov

--------

--------

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

1,432.8

1,436.5

1,342.5
1,391.9
1,444.4
1,443.5
1,449.5

413.3

411.8

399.7
410.8

413.8
412.2

332.4

330.7

321.5
329.7

333.5
330.8

80.8

81.1

78.2
81.1

80.3
81.4

Securities in bank credit
414.3
413.6
415.6
413.2
U.S. government securities
334.6
333.7
335.6
332.6
Other securities
79.6
79.9
80.1
80.5

5
Loans and leases in bank credit (2)
987.7
998.6
1,007.4
1,017.2
1,023.2
1,034.4
1,035.6
6
Commercial and industrial
177.1
177.3
177.9
180.1
181.6
183.5
183.7
7
Real estate
512.1
517.8
522.9
527.7
531.5
536.9
538.4
8
Revolving home equity
27.6
27.9
28.4
29.0
30.0
30.5
30.4
9
Other
484.5
489.9
494.5
498.7
501.5
506.4
508.0
10
Consumer
229.7
233.4
235.3
237.7
239.4
241.4
241.7
11
Security (3)
5.2
4.9
5.1
5.1
5.1
5.8
5.7

Nov 20

1,032.6

942.7
1,032.7

978.0
1,037.3

183.3

165.4
183.0

176.0
184.1

536.0

487.0
536.6

506.6
538.2

27.1
30.4

27.5
30.5

505.6

459.9
506.2

479.1
507.7

241.7

222.3
242.2

228.4
243.4

5.7
5.4

5.1
5.5

30.4

5.6

12
63.7
66.6

Other loans and leases
65.2
66.1
66.6
66.2

65.7

66.0

62.4
65.4

61.9
66.1

13
49.2
63.4

Interbank loans
45.7
49.0
60.8

50.1

52.0

59.2

58.6
57.4

49.1
57.5

14
65.0
69.7

Cash assets (4)
64.2
63.3
69.5

64.9

66.7

69.9

64.3
66.2

65.6
72.6

15
49.4
62.2

Other assets (5)
55.8
56.7
57.4

58.8

59.5

60.2

49.8
58.0

48.5
61.3

1,585.6

1,593.6

1,495.2
1,534.4
1,612.3
1,603.9
1,619.6

1,246.4

1,256.4

1,192.1
1,204.2
1,285.8
1,270.6
1,293.6

324.3

324.8

332.7

338.6
323.9

323.8
338.1

922.0

931.5

953.2

853.5
946.6

880.4
955.5

152.4

143.8

146.5

142.2
146.8

149.8
147.2

769.7

787.7

806.7

711.3
799.9

730.6
808.3

166.3

140.8
166.4

153.5
168.4

83.6

78.4
84.1

85.8
84.3

82.7

62.3
82.4

67.7
84.1

2.2

5.4
2.3

4.6
2.2

28.3
24.1

28.9
22.9

16 TOTAL ASSETS (6)
1,545.6
1,558.1
1,569.2
1,618.3
1,615.3

L I A B I L I T I E S
17 Deposits
1,213.7
1,214.6
1,228.2
1,299.4
1,296.8
18
Transaction
326.1
321.8
320.2
335.8
335.7
19
Nontransaction
887.6
892.8
908.0
963.6
961.1
20
Large time
148.8
150.5
152.6
147.4
147.4
21
Other
738.8
742.3
755.4
816.2
813.7

22 Borrowings
158.3
163.0
166.7
168.8
164.1
165.0
162.3
23
From banks in the U.S.
87.0
78.9
79.0
80.9
86.1
82.0
79.9
24
From others
71.3
84.0
87.7
87.8
78.0
83.0
82.4
25
Net due to related foreign offices
5.2
5.7
4.4
5.9
3.4
1.3
1.3
26
28.3
22.5

Other liabilities
28.9
28.2
22.9

27 TOTAL LIABILITIES
1,405.4
1,412.1
1,427.5
1,488.2
1,483.3

26.8

24.7

23.2

1,447.8

1,448.5

1,366.6
1,391.2
1,477.5
1,463.4
1,487.1

MEMO
28 Residual (assets less liabilities) (7)
140.2
146.0
141.7
137.8
145.2
130.1
131.9
31 Mortgage-backed securities (9)
-----51.1
51.2

134.8
51.0

128.5
140.4
-50.9

143.2
132.5
-51.0

H.8 (510) pg.9
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
466.9
466.9
505.4
511.7

Sep

465.6

1996

Oct

Nov

--------

--------

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

464.6

483.2

503.9

439.1
497.8

459.9
518.9

146.8

163.9

144.2
161.7

151.6
170.8

82.5

88.3

67.1
87.7

77.8
92.4

64.4

75.7

77.2
74.0

73.7
78.4

(2)
336.4

339.9

294.9
336.1

308.3
348.1

207.1

210.5

179.0
209.6

187.2
212.7

33.3

33.3

36.7
33.5

33.5
33.5

34.8

35.6

32.7
33.0

31.3
40.9

61.2

60.4

46.5
60.0

56.4
61.0

18.5

20.4

25.0
23.0

23.3
16.1

2
152.4
169.4
3
79.0
88.0
4
73.4
81.4

Securities in bank credit
148.4
149.5
144.8
170.6
U.S. government securities
79.3
81.1
82.3
87.7
Other securities
69.1
68.4
62.5
82.8

5
314.5
336.0
6
190.0
212.0
7
33.2
33.1
11
34.7
31.4
12
56.5
59.5

Loans and leases in bank credit
318.5
316.1
319.8
341.2
Commercial and industrial
192.4
191.7
198.5
218.1
Real estate
33.1
33.1
32.8
33.2
Security (3)
33.2
30.8
29.3
29.7
Other loans and leases
59.8
60.5
59.2
60.2

13
24.3
20.7

Interbank loans
19.3
16.9
15.4

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

19.6

Nov 20

14
25.7
32.5

Cash assets (4)
27.7
27.8
32.0

27.8

28.7

30.7

30.2
30.2

26.3
31.2

15
39.8
37.2

Other assets (5)
39.1
40.2
38.6

38.3

33.0

35.2

46.2
34.2

42.9
35.6

550.2

563.3

590.0

540.5
584.9

552.3
601.6

205.6

206.4

168.9
203.6

172.4
210.1

10.7

10.7

9.7
10.5

10.8
10.4

176.2

195.0

195.7

159.3
193.1

161.7
199.7

173.8

191.9

193.3

155.7
191.1

159.2
196.8

2.3

3.1

2.5

3.6
2.1

2.5
2.9

108.0
121.5

136.3
139.4

37.1

31.6
33.7

37.1
46.7

89.2

76.4
87.8

99.2
92.8

174.6
172.4

168.1
151.0

81.5
78.8

72.2
82.7

533.0
576.3

549.0
583.2

16 TOTAL ASSETS (6)
556.6
552.9
550.4
595.5
597.5
L I A B I L I T I E S
17 Deposits
171.7
179.8
180.5
216.1
218.0
18
Transaction
10.7
10.6
10.3
11.1
10.6
19
Nontransaction
161.0
169.2
170.1
205.0
207.4
20
Large time
161.0
166.8
168.4
199.1
197.4
21
Other
0.0
2.4
1.7
5.8
10.0

185.8
9.6

22 Borrowings
130.2
124.9
131.7
121.8
115.7
122.1
124.3
23
From banks in the U.S.
32.7
30.8
35.5
33.6
33.9
39.0
39.4
24
From others
97.5
94.0
96.2
88.2
81.7
83.1
84.9
25
Net due to related foreign offices
176.6
175.6
170.5
174.9
165.1
165.3
160.4
26
69.2
84.4

Other liabilities
67.3
65.5
84.8

27 TOTAL LIABILITIES
547.7
547.5
548.2
587.9
587.6
28
9.0
7.7

126.3

166.8

65.5

72.6

80.0

548.0

559.0

579.5

Residual (assets less liabilities) (7)
5.4
2.2
2.2
4.3
9.9

10.5

7.5
8.6

3.4
18.5

H.8 (510) pg.10
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)

Not seasonally adjusted, billions of dollars
Account
1996

1996

1996

Jul
Dec 11

Aug

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

-------- -------------A S S E T S

1
Bank credit
463.7
467.9
498.3
505.5
2
150.4
161.8
3
78.0
87.1
3a
-22.5
3b
-64.7
4
72.5
74.7
4a
-53.7
4b
-21.0
5
313.2
336.5
6
190.5
211.2
7
33.1
33.4
11
32.5
31.4
12
57.1
60.6
13
22.4
20.9
14

Sep

467.9

1996

Oct

Nov

--------

--------

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

466.2

480.0

496.1

435.5
489.8

457.0
508.0

157.9

142.1
156.2

153.3
162.6

66.3
86.6

77.0
90.1

Securities in bank credit
149.2
151.7
146.0
147.9
159.9
U.S. government securities
79.0
82.4
81.7
81.8
86.3
Trading account
---18.6
20.7
Investment account
---63.2
65.6
Other securities
70.2
69.3
64.3
66.1
73.6
Trading account
---46.1
52.3
Investment account
---20.0
21.3
Loans and leases in bank credit (2)
318.7
316.3
320.2
332.1
345.7
Commercial and industrial
193.5
192.6
197.7
205.1
215.7
Real estate
33.0
33.1
33.0
33.3
33.3
Security (3)
32.0
29.8
29.1
32.9
34.7
Other loans and leases
60.1
60.7
60.4
60.9
61.9
Interbank loans
19.2
16.4
15.8
Cash assets (4)

1995
1996
1996
Week ending
Nov
May
Jun
Nov 27
Dec 4

1996

20.2

19.8

Nov 20

87.2
21.8

-21.4

-24.3

65.4

-65.2

-65.8

70.7

75.8
69.5

76.3
72.5

49.7

-48.6

-51.6

21.0

-20.9

-20.9

338.2

293.5
333.7

303.7
345.4

209.8

178.4
209.2

187.1
212.6

33.5

36.9
33.6

33.3
33.7

34.7

32.2
31.5

28.3
38.4

60.2

46.0
59.3

54.9
60.7

19.8

24.2
21.0

23.4
17.3

29.8

25.9

26.6
31.5
15
39.6
37.8

28.2
31.1

28.5

28.7

29.1

30.3

30.0

30.6

Other assets (5)
38.6
41.1
39.8

38.5

32.8

35.7

47.0
34.6

43.5
36.2

553.5

561.6

581.7

536.5
575.2

549.8
591.9

185.7

203.9

208.4

169.9
205.4

173.9
212.1

10.2

10.8

10.8

175.5

193.0

197.6

160.2
194.8

163.8
201.6

173.2

190.6

195.1

156.9
192.5

161.3
199.3

2.3

2.5

2.5

3.2
2.3

2.4
2.3

105.6
117.3

133.2
130.9

36.5

31.3
32.6

35.1
44.6

86.1

74.4
84.7

98.1
86.3

174.8
168.4

165.3
160.9

81.9
78.8

73.3
82.7

532.3
570.0

545.7
586.5

4.2
5.2

4.1
5.4

16 TOTAL ASSETS (6)
552.1
553.8
553.9
588.3
592.0
L I A B I L I T I E S
17 Deposits
173.8
177.5
178.8
217.6
221.5
18
Transaction
10.4
10.6
10.3
11.2
10.7
19
Nontransaction
163.4
166.9
168.5
206.5
210.9
20
Large time
161.0
164.5
166.3
202.1
202.5
21
Other
2.4
2.4
2.3
4.4
8.4

22 Borrowings
134.4
130.6
133.6
123.6
113.2
123.2
123.2
23
From banks in the U.S.
34.5
32.2
35.1
33.5
31.8
40.6
41.3
24
From others
99.9
98.4
98.5
90.1
81.4
82.6
81.9
25
Net due to related foreign offices
170.2
175.0
171.2
174.3
167.2
157.8
157.8
26
69.7
84.4

Other liabilities
66.8
66.4
84.8

27 TOTAL LIABILITIES
548.1
549.9
549.9
583.0
587.3
28
4.1
5.3
29

-40.8

122.6

165.7

65.7

72.6

80.0

549.2

556.8

576.6

Residual (assets less liabilities) (7)
4.0
4.0
4.2
4.7
4.7
MEMO
Reval. gains on off-bal. sheet items (8)
----39.5

5.1

39.0

9.7
10.6

-37.6

10.1
10.5

-39.7

30
-33.9

Reval. losses on off-bal. sheet items (8)
----32.2
31.7

-31.3

-32.4

H.8 (510) pg.11
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES, BY DISTRICT (1)
Not seasonally adjusted, billions of dollars. Data are as of December 11, 1996.
Federa
l Reserve Distict
National
___________________________________________________________
total
Boston
New
York
Philadelphia
Cleveland Richmond
Atlanta
ASSETS
1 Bank credit
1,807.0
89.8
340.7
101.4
159.9
176.9
204.5
2
Securities in bank credit (14)
407.2
3
3a
3b
78.0
3c
52.9
3d
25.1
3e
4.0
3f
15.0
3g
6.1
4
4a
4b
19.6
4c
6.5
4d
13.0
5
243.1
6
63.7
6a
0.8
6b
63.0
7
96.4
8

U.S. government securities (14)

284.4

Trading account (14)
Investment account
5.4
25.3
26.9
Mortgage-backed
2.4
14.2
14.6
Other
3.0
11.1
12.3
1 year or less
1.6
1.3
3.7
Between 1 and 5 years
1.1
4.7
7.4
More than 5 years
0.3
5.0
1.2
Other securities (14)

22.9
25.9
15.4
10.5
2.2
7.2
1.1

15.9

160.2

7.0

101.3

8.9

26.2

3.2

57.2

4.9

18.0

0.7

122.8

Trading account (14)
Investment account
2.2
6.0
4.5
State and local government
0.7
0.8
1.0
Other
1.6
5.1
3.5
Loans and leases in bank credit (2)
93.8
128.7
145.5
Commerical and industrial
14.9
38.5
34.2
Bankers accep and commercial paper
0.0
0.0
0.1
Other
14.9
38.5
34.1
Real estate
26.2
48.1
74.1
Revolving home equtiy

261.5

55.0
10.7
2.0
8.8
167.8
36.9
0.0
36.9
82.5

67.8

5.2

20.4

1.9

47.5

3.3

1,399.9

68.8

378.1

26.0

2.0

0.1

376.2

25.9

558.2

20.6

54.7

3.2

7.7
9a
59.2
9b
29.5
10
35.2
11
15.6
11a
6.9
11b
8.7
12a
1.7
12b
0.1
12c
2.0
12d
15.6
12e
12.8
13
48.9
13a
29.8
13b
19.1
14
24.0
15
116.0
16
516.6

3.4
5.7
6.8
5.8
Other residential
321.6
17.2
30.1
46.6
49.5
Commercial
181.9
5.7
12.3
20.7
27.2
Consumer
282.3
46.2
27.6
19.8
36.3
Security (3)
37.7
0.1
1.0
4.0
1.4
Fed funds and RPs with broker/dealer
21.9
0.0
0.1
3.8
1.0
Other
15.8
0.1
1.0
0.2
0.4
State and local government
11.4
0.7
1.3
2.2
2.2
Agricultural
7.5
0.1
0.2
0.5
0.5
Fed funds and RPs with others
4.3
0.0
0.0
1.1
0.0
All other loans
60.0
1.5
3.3
4.7
3.6
Lease financing receivables
60.3
4.0
8.6
4.8
4.5
Interbank loans
134.3
5.3
9.0
11.1
13.9
Fed funds and RPs with banks
83.6
3.7
4.7
7.6
8.8
Other
50.7
1.5
4.3
3.5
5.1
Cash assets(4)
127.6
4.9
8.3
9.4
12.9
Other assets (12)
195.8
11.1
13.4
29.5
15.4
TOTAL ASSETS (6)
2,228.1
120.5
187.7
224.7
243.7

9.0
8.4
6.9
7.0
6.6
0.4
0.2
0.0
0.4
3.2
4.5
4.3
2.4
2.0
6.9
15.2
114.6

H.8 (510) pg.12
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES, BY DISTRICT (1)
Not seasonally adjusted, billions of dollars. Data are as of December 11, 1996.
Federa

l Reserve Distict
National
___________________________________________________________
total
York
Philadelphia Cleveland Richmond
Atlanta
17 Deposits
273.8
68.0
18
Transaction
73.3
15.0
19
Nontransaction
200.4
53.1
20
Large time
40.1
11.0
21
Other
160.3
42.1

122.1

123.9

173.4

30.5

28.4

36.3

91.5
10.8
80.7

95.5
13.0
82.6

137.2
19.5
117.7

Boston

1,370.9

67.6

386.6

23.6

984.3

44.1

152.1

6.7

832.1

37.4

New

22 Borrowings
74.0
33.0
23
From banks in
23.5
17.5
24
From others
50.5
15.5
26 Other liabilities
103.2
8.0
27 TOTAL LIABILITIES
450.9
109.0
28
65.8

37.3
the US
14.6

57.6

36.4

28.4

21.3

22.7
(13)
11.6

29.2

15.1

27.0

13.3

171.0

208.5

223.1

Residual (assets less liabilities (13)
11.5
16.7
16.2

20.5

393.9

24.6

181.3

7.0

212.6

17.6

243.1

12.3

2,007.9

104.5

220.2

10.1

29

MEMO
Reval. gains on off-bal. sheet items (8,14)

34.8

30

Reval. losses on off-bal. sheet items (8,14)

29.8

31 Mortgage-backed securities (9)
57.8
3.1
19.7
16.2
31a
Pass-through
44.9
1.6
12.3
12.9
31b
CMO, REMIC and other
12.9
1.5
7.4
3.3
32 Net unrealized ganis (losses)
33

21.5
13.0
8.5

187.7

8.2

128.4

6.3

59.3

1.9

2.8

on available-for-sale securities (10,14)
Offshore credit to U.S. residents (11,14)

32.2

H.8 (510) pg.13
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES, BY DISTRICT (1)
Not seasonally adjusted, billions of dollars. Data are as of December 11, 1996.
Federa
l Reserve Distict

_______________________________

_______________________________________

Chicago

Kansac City
Dallas
San Francisco
ASSETS
1 Bank credit
39.7
26.3
69.8
292.1
2
Securities in bank credit (14)

St.Louis

Minneapolis

3
3a
3b
2.5
3c
1.8
3d
0.7
3e

186.9

41.2

26.4

8.0

12.0

4.9

14.3

3.1

6.9

0.9

U.S. government securities (14)
Trading account (14)
Investment account (14)
6.6
12.5
Mortgage-backed
4.5
10.7
Other
2.2
1.8
1 year or less

28.2
19.8
8.4

0.1
3f
0.3
3g
0.2
4
4a
4b
0.6
4c
0.2
4d
0.4
5
36.6
6
8.3
6a
0.0
6b
8.2
7
8.3
8
0.4
9a
5.6
9b
2.3
10
14.8
11
2.1
11a
1.6
11b
0.4
12a
0.1
12b
0.2
12c
0.0
12d
1.9
12e
0.9
13
4.7
13a
4.3
13b
0.5
14
2.3
15

0.3

0.2
1.8
Between 1 and 5 years
1.6
1.4
5.8
More than 5 years
0.3
0.2
0.8
Other securities (14)

6.0

1.8

1.5

0.5

6.8

1.8

3.7

0.8

3.1

1.0

153.8

31.5

64.2

8.2

0.2

0.0

64.0

8.2

48.8

15.3

4.8

1.2

19.2

10.3

24.7

3.8

23.9

5.3

2.9

0.4

0.6

0.1

2.4

0.3

1.2

0.2

0.5

0.1

0.4

0.0

7.7

1.1

4.2

0.9

6.6

1.7

5.9

1.6

0.7

0.1

14.9

2.9

20.3

3.2

Trading account (14)
Investment accout (14)
1.0
2.1
7.4
State and local government
0.6
0.7
1.7
Other
0.5
1.4
5.7
Loans and leases in bank credit (2)
18.6
55.2
256.5
Commerical and industrial
5.0
24.1
54.0
Bankers accep and commercial paper
0.0
0.0
0.6
Other
5.0
24.1
53.4
Real estate
6.7
14.8
116.5
Revolving home equtiy
0.4
0.3
15.0
Other residential
3.6
10.0
61.3
Commercial
2.6
4.5
40.2
Consumer
4.7
10.9
50.7
Security (3)
0.0
0.5
2.7
Fed funds and RPs with broker/dealer
0.0
0.3
1.0
Other
0.0
0.2
1.7
State and local government
0.1
0.1
1.3
Agricultural
0.5
0.2
4.6
Fed funds and RPs with others
0.0
0.0
0.3
All other loans
1.3
3.9
12.3
Lease financing receivables
0.3
0.7
14.1
Interbank loans
1.1
9.6
18.1
Fed funds and RPs with banks
0.8
8.4
5.6
Other
0.3
1.2
12.5
Cash assets(4)
2.4
10.1
28.7
Other assets (12)

2.9
16
48.9

1.3
TOTAL ASSETS
30.7

6.5

38.9

95.2

371.5

225.6

48.4

H.8 (510) pg.14
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES, BY DISTRICT (1)
Not seasonally adjusted, billions of dollars. Data are as of December 11, 1996.
Federa

l Reserve Distict

_______________________________

_______________________________________
Minneapolis

Kansas City

Dallas

San Francisco

17
22.6
18
7.4
19
15.2
20
1.2
21
14.0
22
18.0
23
14.4
24
3.7
26
4.3

Deposits
23.7
67.5
Transaction
6.3
20.4
Nontransaction
17.4
47.1
Large time
1.3
4.5
Other
16.1
42.6
Borrowings
3.7
13.2
From banks in the US
2.3
4.2
From others
1.3
9.0
Other liabilities (13)
1.1
6.6

27
44.9

TOTAL LIABILITIES
28.5

28
4.0

Residual (assets less liabilities (13)
2.3
7.9
39.6

87.3

259.2
97.2
162.0
24.2
137.9
44.8
23.7
21.1

331.9

MEMO
Reval. gains on off-bal. sheet items (8,14)

30

Reval. losses on off-bal. sheet items (8,14)

33

St.Louis

138.7

30.4

41.0

7.3

97.7

23.1

17.4

2.5

80.3

20.6

39.5

12.0

16.4

8.1

23.1

3.9

25.5

2.3

203.7

44.7

22.0

3.7

14.0

5.7

7.3

2.4

6.7

3.2

27.9

29

31 Mortgage-backed securities (9)
1.9
5.1
11.3
31a
Pass-through
1.7
3.7
9.4
31b
CMO, REMIC and other
0.3
1.4
1.9
32 Net unrealized ganis (losses)

Chicago

23.2
13.0
10.2

on available-for-sale securities (10,14)
Offshore credit to U.S. residents (11,14)

H.8 (510)

Footnotes

Note: This release is available on the Federal Reserve Board's web site:
http://www.bog.frb.fed.us/. Current and historical
data are available on the Commerce Department's economic bulletin board. For
information call 202-482-1986.
1. Covers the following types of institutions in the fifty states and the
District of Columbia: domestically chartered
commercial banks that submit a weekly report of condition (large domestic);
other domestically chartered commercial banks
(small domestic); branches and agencies of foreign banks, and Edge Act and
Agreement corporations (foreign-related
institutions). Excludes International Banking Facilities. Data are Wednesday
values or pro rata averages of Wednesday
values. Large domestic banks constitute a universe; data for small domestic
banks and foreign-related institutions are
estimates based on weekly samples and on quarter-end condition reports. Data
are adjusted for breaks caused by
reclassifications of assets and liabilities.
The data for large and small domestic banks presented on pages 5 to 8 are
adjusted to remove the estimated effects of mergers between these two groups.
The adjustment for mergers changes past
levels to make them comparable with current levels. Estimated quantities of
balance sheet items acquired in mergers
are removed from past data for the bank group that contained the acquired bank
and put into past data for the group
containing the acquiring bank. Balance sheet data for acquired banks are
obtained from call reports, and a ratio procedure
is used to adjust past levels.
2. Excludes federal funds sold to, reverse RPs with, and loans made to commercial
banks in the United States, all of which
are included in line 13.
3. Consists of reverse RPs with brokers and dealers and loans to purchase and
carry securities.
4. Includes vault cash, cash items in process of collection, balances due from
depository institutions, and balances due
from Federal Reserve Banks.
5. Excludes the due-from position with related foreign offices, which is included
in line 25.
6. Excludes unearned income, reserves for losses on loans and leases, and
reserves for transfer risk. Loans are reported
gross of these items.
7. This balancing item is not intended as a measure of equity capital for use in
capital adequacy analysis. On a seasonally
adjusted basis this item reflects any differences in the seasonal patterns
estimated for total assets and total
liabilities.
8. Fair value of derivative contracts (interest rate, foreign exchange rate,
other commodity and equity contracts) in a
gain/loss position, as determined under FASB Interpretation No. 39.
9. Includes mortgage-backed securities issued by U.S. government agencies, U.S.
government-sponsored enterprises, and private entities.
10. Difference between fair value and historical cost for securities classified as
available-for-sale under FASB Statement
No. 115. Data are reported net of tax effects. Data shown are restated to
include an estimate of these tax effects.

11. Mainly commercial and industrial loans, but also includes an unknown amount of
credit extended to other than
non-financial businesses.
12. Includes the due-from position with related foreign offices.
13. Includes the due-to position with related foreign offices.
14. Disaggregation by District not available. The trading account components of
securities (lines 3a and 4a) are included
in line 15.