Data on the attached H.

8 release have been benchmarked to the September 1996 Call
report.
Data on the previous release were benchmarked to the June 1996 Call report.
Seasonal factors for bank assets and liabilities have been reestimated to
incorporate data
for 1996.
Historical data are available on the Department of Commerce Economic Bulletin
Board. For
information, call 202-482-1986.

H.8 (510)
ASSETS AND
For release
Seasonally
February 7,

pg.1
LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
at 4:15 p.m. Eastern Time
adjusted, billions of dollars
1997
Account
1996

1996

1996

Aug
Jan 29

Sep

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

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

1
Bank credit
3,682.5
3,674.6
3,818.0
3,816.9

Oct

3,693.3

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

3,719.7

3,744.1

3,612.4
3,671.4
3,771.1
3,793.8
3,784.6

982.3

992.2

998.6
995.3

982.1
987.8

706.0

705.5

709.5
708.3

707.5
697.4

276.3

286.7

289.1
287.0

274.6
290.4

2
Securities in bank credit
982.2
972.2
969.1
970.5
1,012.9
1,014.5
3
U.S. government securities
707.7
702.2
703.1
702.0
703.5
708.3
4
Other securities
274.5
270.0
266.0
268.5
309.5
306.2

5
Loans and leases in bank credit
2,700.3
2,702.4
2,724.3
2,749.2
2,805.0
2,802.5
6
Commercial and industrial
744.8
746.9
761.0
770.4
791.7
791.8
7
Real estate
1,105.2
1,109.4
1,112.2
1,116.2
1,131.9
1,134.3
8
Revolving home equity
79.9
80.5
81.2
83.2
85.9
86.1
9
Other
1,025.3
1,028.9
1,030.9
1,033.0
1,046.0
1,048.2
10
Consumer
510.7
512.8
515.8
518.0
522.0
521.4
11
Security (3)
78.1
72.3
73.8
76.6
83.9
81.6
12
Other loans and leases
261.6
261.0
261.6
267.9
275.6
273.3

(2)
2,761.8

2,613.8
2,689.3
2,778.9
2,798.5
2,796.8

776.1

786.9

1,120.9

1,079.6
1,105.6
1,126.0
1,130.2
1,129.8

84.2

85.4

1,036.7

1,000.5
1,026.4
1,040.6
1,044.5
1,044.0

518.6

518.9

77.4

79.0

268.8

717.3
789.0

79.1
85.7

738.9
790.2

79.2
85.8

492.8
520.8

506.9
520.8

85.6
83.9

79.8
80.4

268.1

238.5
274.5

258.0
275.7

13 Interbank loans
196.9
197.6
205.3
204.6
198.6

203.9

212.4

204.6

196.8
191.1

206.8
195.6

14 Cash assets (4)
220.0
223.3
224.2
244.3
239.6

226.2

232.8

232.3

222.5
234.7

217.9
220.7

15 Other assets (5)
252.6
257.8
260.1
270.5
256.3

254.6

262.1

271.2

227.3
262.5

247.9
265.2

16 TOTAL ASSETS (6)
4,294.6
4,295.9
4,325.4
4,480.3
4,454.4

4,346.6

4,393.8

4,202.3
4,286.9
4,421.6
4,424.5
4,408.7

2,782.2

2,822.7

2,667.0
2,722.9
2,859.0
2,875.0
2,876.0

715.3

719.6

719.1

2,066.9

2,103.0

1,891.4
1,973.6
2,139.9
2,168.2
2,166.1

480.1

490.5

509.5

1,586.9

1,612.5

1,471.1
1,527.7
1,630.5
1,649.1
1,649.0

L I A B I L I T I E S
17 Deposits
2,733.3
2,751.0
2,772.2
2,886.2
2,873.2
18
Transaction
741.7
733.3
725.4
734.2
722.2
19
Nontransaction
1,991.6
2,017.6
2,046.8
2,152.0
2,151.0
20
Large time
453.1
458.8
471.7
515.0
516.7
21
Other
1,538.5
1,558.8
1,575.1

775.7
706.8

420.3
519.1

749.3
709.9

445.9
517.1

1,637.0

1,634.2

22 Borrowings
699.0
701.5
706.1
686.9
707.2
729.2
735.4
23
From banks in the U.S.
287.0
290.1
295.5
290.5
303.3
307.8
310.0
24
From others
412.0
411.4
410.6
396.4
403.9
421.4
425.4
25
Net due to related foreign offices
257.3
247.7
251.0
243.9
237.0
220.1
222.3

704.4

694.8
709.2

705.6
695.3

308.7

298.6
301.3

294.7
302.3

395.7

396.2
407.9

410.9
393.0

229.3

263.8
220.0

258.6
219.2

226.5
269.4

225.9
267.3

26 Other liabilities
223.0
222.2
221.9
283.2
277.5

244.1

253.4

262.1

27 TOTAL LIABILITIES
3,912.5
3,922.4
3,951.3
4,118.8
4,108.4

3,957.1

4,020.3

3,852.1
3,912.9
4,054.9
4,073.6
4,057.8

28 Residual (assets less liabilities) (7)
382.1
373.4
374.2
389.5
373.4
361.5
346.0

366.8

350.1
350.9

374.0
350.9

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

Aug
Jan 29

Sep

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

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

1
Bank credit
3,679.7
3,675.8
3,810.1
3,811.5

Oct

3,695.7

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

3,721.4

3,748.4

3,612.9
3,675.7
3,769.8
3,795.7
3,788.6

981.0

978.2

987.3
985.4

988.8
980.3

706.4

701.3

706.0
700.2

708.6
692.4

274.6

276.8

281.4
285.2

280.2
287.9

2
Securities in bank credit
980.8
976.5
969.7
970.4
1,003.0
1,007.0
3
U.S. government securities
705.3
704.5
704.1
702.5
698.3
702.5
4
Other securities
275.4
272.0
265.6
267.9
304.7
304.6

5
Loans and leases in bank credit (2)
2,698.9
2,699.2
2,726.0
2,751.0
2,767.4

2,625.6
2,686.9
2,791.7
2,810.3
2,808.3

2,807.1
6
745.8
788.7
7
1,105.3
1,132.9
8
80.0
85.9
9
1,025.3
1,047.0
10
508.7
526.9
11
76.6
82.2
12
262.5
276.4

2,804.5
Commercial and industrial
743.1
755.9
766.8
790.3
Real estate
1,110.9
1,115.2
1,119.3
1,134.1
Revolving home equity
80.8
81.8
83.8
86.0
Other
1,030.1
1,033.4
1,035.6
1,048.1
Consumer
513.1
517.9
518.2
525.8
Security (3)
70.8
73.0
76.5
81.2
Other loans and leases
261.3
263.9
270.2
273.1

714.6
786.2

742.1
787.4

774.2

783.9

1,125.2

1,084.0
1,104.2
1,130.8
1,133.8
1,133.6

84.7

85.5

1,040.5

1,004.8
1,025.0
1,045.4
1,048.0
1,047.8

519.0

523.6

78.8

80.3

270.2

79.2
85.8

79.2
85.9

497.2
528.1

504.0
527.1

86.9
82.5

79.5
80.5

273.1

242.9
279.7

257.0
279.7

13 Interbank loans
194.5
192.9
199.6
210.3
202.9

198.7

216.7

213.9

206.1
204.2

204.5
210.7

14 Cash assets (4)
216.8
212.3
221.5
257.7
238.9

227.1

239.8

248.6

238.2
238.2

215.1
244.4

15 Other assets (5)
254.2
260.8
262.6
267.6
259.2

252.0

260.9

271.1

227.7
262.1

248.1
266.0

16 TOTAL ASSETS (6)
4,288.0
4,284.3
4,321.6
4,488.8
4,455.7

4,341.6

4,408.1

4,228.2
4,286.2
4,445.7
4,442.8
4,452.6

2,787.0

2,839.8

2,702.1
2,717.9
2,891.2
2,896.7
2,905.2

713.0

729.8

752.1

2,074.0

2,109.9

1,891.1
1,974.4
2,139.0
2,166.4
2,163.0

485.5

495.0

509.7

1,588.5

1,614.9

1,470.7
1,530.4
1,629.4
1,651.3
1,649.1

L I A B I L I T I E S
17 Deposits
2,724.7
2,740.4
2,772.8
2,872.5
2,845.0
18
Transaction
734.8
720.4
723.9
730.9
709.3
19
Nontransaction
1,990.0
2,020.0
2,048.9
2,141.7
2,135.7
20
Large time
450.5
459.1
469.8
512.2
513.6
21
Other
1,539.4
1,560.9
1,579.2
1,629.5
1,622.0
22

Borrowings

811.0
730.4

420.4
515.1

693.0

743.5
742.1

444.0
514.0

721.5

712.6
732.7
23
296.0
305.7
24
416.6
427.0
25
251.9
237.3

707.1
710.4
679.2
697.0
727.8
From banks in the U.S.
295.4
298.0
283.9
297.1
302.1
From others
411.8
412.4
395.3
399.9
425.7
Net due to related foreign offices
243.4
245.2
245.4
234.2
237.3

696.8

694.8

692.4

303.4

298.4
293.9

304.2
297.6

393.3

394.6
400.9

417.3
394.8

228.2

264.4
223.5

249.5
227.4

223.1
264.3

227.4
263.0

26 Other liabilities
221.8
221.6
222.4
278.6
279.2

243.2

257.2

258.0

27 TOTAL LIABILITIES
3,911.0
3,912.6
3,950.8
4,121.1
4,089.3

3,954.9

4,028.1

3,882.6
3,916.2
4,074.1
4,079.3
4,087.9

28 Residual (assets less liabilities) (7)
377.0
371.7
370.8
386.7
380.0
367.7
366.4
29

-93.4
30
-90.8

371.6

MEMO
Reval. gains on off-bal. sheet items (8)
--62.3
65.5
68.9
92.3
Reval. losses on off-bal. sheet items (8)
--58.3
60.5
63.8
88.2

345.6
363.5

369.9
364.7

-76.2

-78.5

-72.1

-74.8

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

Aug
Jan 29

Sep

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

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

1
Bank credit
3,215.9
3,210.0
3,295.5
3,292.1
2
833.9
841.5
3
627.6
622.1
4

Oct

3,225.7

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

3,237.7

3,246.7

3,175.9
3,211.1
3,261.1
3,279.1
3,270.5

822.3

825.2

856.8
829.3

835.3
822.9

617.9

616.4

642.2
622.5

629.3
615.8

214.5

206.1

Securities in bank credit
824.6
822.4
820.9
841.7
U.S. government securities
621.3
620.1
618.9
625.6
Other securities

206.2
219.4

203.3
216.1

202.3

202.0

204.4

208.8

206.7

207.2

5
Loans and leases in bank credit (2)
2,319.1
2,375.8
2,382.0
2,385.5
2,403.2
2,416.7
2,424.4
2,435.9
2,449.8
2,447.5
2,454.0
2,450.5
6
Commercial and industrial
535.8
548.4
550.6
552.6
560.3
563.4
565.1
569.5
569.2
570.7
571.5
571.2
7
Real estate
1,043.8
1,072.4
1,072.2
1,076.4
1,079.4
1,083.4
1,088.2
1,093.5
1,097.7
1,097.3
1,099.6
1,101.5
8
Revolving home equity
79.1
79.2
79.9
80.5
81.2
83.2
84.2
85.4
85.7
85.8
85.9
86.1
9
Other
964.7
993.1
992.2
995.9
998.1
1,000.1
1,003.9
1,008.1
1,012.0
1,011.5
1,013.7
1,015.4
10
Consumer
492.8
506.9
510.7
512.8
515.8
518.0
518.6
518.9
520.8
520.8
522.0
521.4
11
Security (3)
55.7
47.3
46.0
42.5
44.7
44.0
42.9
43.6
47.5
44.9
46.0
43.4
12
Other loans and leases
190.9
200.7
202.5
201.3
203.1
208.1
209.6
210.5
214.6
213.9
215.0
212.9
13 Interbank loans
177.7
181.2
185.0
181.5
172.3

183.0

191.5

181.8

175.3
170.1

184.4
171.0

14 Cash assets (4)
191.9
194.8
194.7
212.8
207.1

196.4

201.7

200.9

193.2
203.2

191.9
188.5

15 Other assets (5)
209.8
214.1
219.0
230.2
216.6

220.7

225.6

233.8

178.7
225.2

206.1
225.2

16 TOTAL ASSETS (6)
3,738.0
3,742.8
3,767.0
3,863.1
3,831.4

3,780.2

3,808.1

3,666.4
3,736.5
3,820.1
3,820.2
3,798.1

2,584.4

2,617.6

2,501.3
2,549.4
2,637.6
2,644.3
2,645.4

704.7

709.1

708.3

1,879.6

1,908.5

1,735.5
1,810.7
1,929.3
1,948.3
1,946.5

295.4

299.6

303.0

L I A B I L I T I E S
17 Deposits
2,553.7
2,570.7
2,586.3
2,660.3
2,639.1
18
Transaction
731.0
722.9
715.7
723.1
711.4
19
Nontransaction
1,822.7
1,847.9
1,870.6
1,937.2
1,927.7
20
Large time
287.8
292.2
298.9
302.0
303.0

765.8
696.1

268.3
303.1

738.8
698.8

283.6
301.7

21
1,535.0
1,635.2

Other
1,555.7
1,624.7

1,571.7

1,584.3

1,608.9

22 Borrowings
576.0
572.9
583.3
568.2
579.1
594.5
597.1
23
From banks in the U.S.
256.2
255.6
261.5
257.1
267.9
274.1
277.9
24
From others
319.8
317.3
321.8
311.1
311.2
320.4
319.2
25
Net due to related foreign offices
79.1
74.5
74.7
76.6
70.9
76.2
76.9

1,467.2
1,527.0
1,626.3
1,645.1
1,644.8

579.2

584.6
586.3

575.6
569.6

272.6

267.9
271.7

261.7
275.6

306.6

316.7
314.6

314.0
294.0

91.4
68.2

81.3
66.4

145.5
185.0

156.7
180.6

68.9

26 Other liabilities
151.1
152.8
153.1
191.9
185.2

169.3

173.2

179.1

27 TOTAL LIABILITIES
3,359.9
3,370.9
3,397.5
3,522.8
3,498.2

3,398.5

3,440.8

3,322.8
3,363.0
3,464.9
3,483.7
3,461.9

28 Residual (assets less liabilities) (7)
378.0
371.9
369.5
381.7
367.3
340.3
333.2

355.3

343.6
336.4

373.5
336.1

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

Aug
Jan 29

Sep

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

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

1
Bank credit
3,211.7
3,207.8
3,292.4
3,287.7
2
832.3
836.6
3
626.3
615.1
4
206.0
221.5

Oct

3,229.4

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

3,240.7

3,251.5

3,178.1
3,214.9
3,264.1
3,285.0
3,277.0

821.3

817.6

849.1
825.3

841.4
819.0

618.4

614.6

639.7
615.8

630.6
609.2

202.9

203.0

209.4
209.5

210.8
209.8

Securities in bank credit
825.8
824.2
820.9
835.8
U.S. government securities
622.1
622.3
620.0
617.6
Other securities
203.6
202.0
201.0
218.1

5
Loans and leases in bank credit (2)
2,328.9
2,373.5
2,379.3
2,382.0
2,405.2
2,419.7
2,430.1
2,446.5
2,459.7
2,458.0
2,455.8
2,451.9
6
Commercial and industrial
532.8
551.0
550.7
548.6
556.4
561.0
563.4
566.1
566.4
568.0
569.0
569.7
7
Real estate
1,048.1
1,071.1
1,072.4
1,077.8
1,082.3
1,086.3
1,092.0
1,098.2
1,101.2
1,101.1
1,100.6
1,101.5
8
Revolving home equity
79.2
79.2
80.0
80.8
81.8
83.8
84.7
85.5
85.8
85.9
85.9
86.0
9
Other
968.9
991.8
992.4
997.0
1,000.5
1,002.5
1,007.3
1,012.7
1,015.4
1,015.2
1,014.7
1,015.5
10
Consumer
497.2
504.0
508.7
513.1
517.9
518.2
519.0
523.6
528.1
527.1
526.9
525.8
11
Security (3)
57.0
47.0
44.6
41.0
43.9
43.8
44.3
44.9
46.1
45.0
44.3
43.0
12
Other loans and leases
193.9
200.4
203.0
201.5
204.6
210.5
211.4
213.7
217.8
216.8
214.9
211.9
13 Interbank loans
175.3
176.6
179.3
187.2
176.6

177.7

195.8

191.1

184.6
183.2

182.1
186.2

14 Cash assets (4)
188.6
183.8
192.7
225.9
206.3

196.9

208.5

216.1

208.1
206.3

188.6
211.5

15 Other assets (5)
212.1
216.3
221.1
228.7
219.9

218.4

224.1

232.9

178.2
225.1

206.4
227.4

16 TOTAL ASSETS (6)
3,730.6
3,726.9
3,764.7
3,877.6
3,833.8

3,776.4

3,822.4

3,692.2
3,734.8
3,846.5
3,842.4
3,845.1

2,583.8

2,632.1

2,534.0
2,544.0
2,667.1
2,666.4
2,674.4

702.4

719.3

740.7

1,881.4

1,912.8

1,733.5
1,811.0
1,926.4
1,946.8
1,943.3

295.2

300.3

299.7

1,586.3

1,612.5

1,467.9
1,527.9
1,626.7
1,646.6
1,643.2

L I A B I L I T I E S
17 Deposits
2,547.2
2,561.6
2,587.2
2,645.4
2,610.8
18
Transaction
724.1
710.2
713.7
719.8
698.5
19
Nontransaction
1,823.1
1,851.5
1,873.5
1,925.6
1,912.3
20
Large time
286.6
292.9
296.6
301.1
302.7
21
Other
1,536.5
1,558.6
1,576.9

800.5
719.6

265.5
300.2

733.1
731.1

283.0
300.2

1,624.5

1,609.6

22 Borrowings
582.0
573.6
586.5
563.9
572.2
601.2
595.4
23
From banks in the U.S.
263.8
260.3
264.6
253.0
261.5
272.9
268.8
24
From others
318.2
313.3
321.8
310.9
310.7
328.3
326.6
25
Net due to related foreign offices
76.9
72.2
70.9
78.2
68.4
82.0
82.0

572.5

583.6
573.0

587.1
568.3

266.5

266.7
261.8

269.7
268.4

306.0

316.9
311.2

317.4
299.9

89.3
65.1

79.3
67.1

143.5
181.7

157.5
178.3

66.2

26 Other liabilities
151.6
151.8
153.8
188.7
185.6

170.0

176.4

176.4

27 TOTAL LIABILITIES
3,357.7
3,359.2
3,398.3
3,517.3
3,473.8

3,395.9

3,449.1

3,350.4
3,367.9
3,482.2
3,486.3
3,488.1

28 Residual (assets less liabilities) (7)
372.9
367.7
366.3
380.5
373.3
360.2
360.0

364.4

MEMO
Reval. gains on off-bal. sheet items (8)
---32.4
33.1
36.2
53.4
50.7
30 Reval. losses on off-bal. sheet items (8)
---28.9
28.9
31.8
50.6
46.6
31 Mortgage-backed securities (9)
---236.1
238.1
241.7
247.0
248.2
29

341.8
356.1

366.9
357.1

-41.9

-42.9

-38.3

-39.7

-243.8

-243.3

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

Aug
Jan 29

Sep

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

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

1
Bank credit
1,801.8
1,788.2
1,843.3
1,836.6
2

Oct

1,797.3

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

1,807.4

1,810.6

1,821.9
1,804.8
1,818.9
1,827.6
1,820.0

Securities in bank credit

450.3

419.6

416.3
406.8
405.3
406.0
424.9
423.0
3
U.S. government securities
289.8
283.6
283.1
284.3
287.4
288.7
3a
Trading account
20.8
20.2
20.9
21.2
16.8
17.0
3b
Investment account
269.0
263.4
262.2
263.1
270.7
271.8
4
Other securities
126.5
123.2
122.2
121.7
137.4
134.3
4a
Trading account
58.1
56.9
56.4
55.1
71.2
68.0
4b
Investment account
68.5
66.2
65.8
66.6
66.2
66.3
4c
State and local government
20.6
20.5
20.3
20.2
20.3
20.6
4d
Other
47.9
45.8
45.4
46.3
45.9
45.7
5
Loans and leases in bank credit
1,385.5
1,381.4
1,392.0
1,401.5
1,418.4
1,413.6
6
Commercial and industrial
371.7
372.7
378.8
381.3
385.6
384.5
7
Real estate
556.7
556.6
556.2
558.5
560.7
561.1
8
Revolving home equity
53.1
53.2
53.5
53.7
55.0
55.1
9
Other
503.7
503.4
502.7
504.8
505.7
506.1
10
Consumer
277.6
277.9
279.4
279.2
283.3
283.8
11
Security (3)
41.0
37.3
39.5
39.0
40.9
38.4
12a
State and local government
11.2
11.1
10.8
10.9
11.1
11.1
12b
All other
127.3
125.7
127.3
132.6
136.8
134.7
13 Interbank loans
130.1
131.9
133.8
126.6
118.6

132.0

408.8

411.5

411.0

406.2

284.8

283.3

313.6
286.5

293.4
281.0

21.5

19.6

23.9
19.8

20.9
15.5

263.3

263.6

289.7
266.7

272.6
265.6

124.0

128.2

136.7
124.5

126.1
125.1

57.8

60.9

65.5
57.7

55.8
59.0

66.1

67.3

71.2
66.7

70.3
66.1

20.2

20.3

21.8
20.4

20.7
20.3

45.9

47.0

49.4
46.3

49.6
45.8

(2)
1,401.8

1,371.5
1,385.3
1,407.4
1,416.6
1,413.8

381.7

384.3

366.0
383.8

370.2
385.2

559.2

561.0

556.7
560.9

560.3
559.7

54.2

54.9

52.8
54.9

52.6
55.0

505.0

506.1

503.8
505.9

507.7
504.7

278.9

279.2

270.3
281.4

275.7
282.1

37.8

38.5

50.0
42.4

42.0
39.8

11.1

11.3

11.5
11.1

11.1
11.1

133.1

133.1

117.0
136.9

126.0
135.9

137.9

126.8

117.1
116.6

132.8
115.4

14 Cash assets (4)
127.6
129.4
128.2
138.6
130.5

128.2

132.3

130.5

130.0
135.6

125.9
120.1

15 Other assets (5)
154.3
158.0
161.6
170.7
165.1

163.5

167.7

175.3

128.7
168.3

155.4
167.2

16 TOTAL ASSETS (6)
2,177.0
2,170.9
2,184.3
2,243.5
2,215.3

2,194.4

2,212.0

2,161.0
2,182.5
2,215.0
2,211.7
2,186.6

1,355.1

1,366.4

1,303.8
1,331.9
1,373.6
1,368.9
1,363.7

387.0

387.3

385.7

429.8
378.6

411.9
377.5

968.1

979.1

987.9

874.0
990.3

920.0
986.2

151.8

153.4

155.1

124.1
154.1

134.2
152.1

816.3

825.7

832.8

749.8
836.2

785.8
834.1

414.5

447.4
420.5

425.6
407.1

188.5

193.2
186.9

180.3
190.7

226.0

254.2
233.6

245.3
216.4

85.1
64.4

76.1
62.6

118.1
160.5

129.0
156.2

L I A B I L I T I E S
17 Deposits
1,335.0
1,339.1
1,345.6
1,375.3
1,354.2
18
Transaction
408.0
400.3
392.7
395.9
379.2
19
Nontransaction
926.9
938.8
952.9
979.3
975.0
20
Large time
136.9
139.8
146.5
152.2
153.7
21
Other
790.0
799.0
806.4
827.1
821.3

22 Borrowings
420.6
411.9
420.5
404.3
414.4
425.7
425.5
23
From banks in the U.S.
177.0
172.9
177.7
170.7
181.5
186.9
188.3
24
From others
243.6
239.0
242.7
233.6
232.9
238.7
237.2
25
Net due to related foreign offices
73.4
70.1
68.9
73.2
68.7
72.2
72.9

66.2

26 Other liabilities
123.4
125.7
126.3
167.6
161.2

141.2

146.2

153.1

27 TOTAL LIABILITIES
1,952.3
1,946.8
1,961.3
2,040.8
2,013.8

1,973.8

1,995.7

1,954.4
1,962.6
2,007.5
2,014.3
1,989.7

28 Residual (assets less liabilities) (7)
224.7
224.0
223.1
220.6
216.3
202.7
201.5

207.5

206.7
197.4

219.9
196.9

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

Aug
Jan 29

Sep

Nov

Dec

Jan 8

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

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

--------

--------

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

1,807.9

1,813.7

1,821.5
1,807.8
1,819.1
1,833.1
1,827.0

409.4

404.3

443.2
408.7

423.8
403.2

287.0

282.0

311.7
281.1

292.8
275.3

1996

1
Bank credit
1,797.1
1,786.4
1,842.9
1,836.9

Oct

1,797.1

2
Securities in bank credit
415.6
409.9
406.7
407.1
420.7
419.3
3
U.S. government securities
289.3
286.2
284.7
286.4
281.0
282.8
3a
Trading account
19.9
20.9
21.0
22.0
16.6
16.2
3b
Investment account
269.3
265.3
263.8
264.4
264.4
266.6
4
Other securities
126.3
123.7
122.0
120.6
139.7
136.5
4a
Trading account
58.7
57.8
56.2
53.5
73.1
69.9
4b
Investment account
67.6
65.9
65.8
67.1
66.7
66.7
4c
State and local government
20.2
20.3
20.3
20.2
20.4
20.6
4d
Other
47.4
45.6
45.5
46.8
46.3
46.1
5
Loans and leases in bank credit
1,381.6
1,376.5
1,390.3
1,400.9
1,422.2
1,417.6
6
Commercial and industrial
371.7
369.9
376.0
379.5
383.2
383.2
7
Real estate
556.5
556.9
556.9
559.2
562.4
562.1
8
Revolving home equity
53.1
53.4
53.7
54.0
55.1
55.1
9
Other
503.5
503.6
503.2
505.2
507.3
507.0

22.7

18.3

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

21.9
17.7

19.6
15.1

264.3

263.7

289.8
263.4

273.2
260.2

122.4

122.3

131.5
127.6

131.0
127.9

55.4

54.4

59.8
60.3

61.1
61.1

67.1

67.9

71.8
67.3

69.8
66.8

20.3

20.4

21.9
20.4

20.7
20.4

46.7

47.5

49.9
46.9

49.1
46.4

(2)
1,404.3

1,378.2
1,384.0
1,414.8
1,424.5
1,423.8

380.7

381.4

363.5
380.7

371.4
382.5

560.8

563.8

559.2
564.2

559.2
563.6

54.5

54.9

52.9
55.0

52.6
55.1

506.3

508.8

506.3
509.1

506.6
508.5

10
275.7
287.5
11
39.7
39.2
12a
11.2
11.0
12b
126.7
138.9

Consumer
278.3
280.6
278.7
287.0
Security (3)
35.9
38.9
38.9
38.1
State and local government
11.2
10.9
10.9
11.0
All other
124.3
127.1
133.6
136.3

273.8
287.7

274.7
287.5

39.5

51.0
40.6

41.8
39.6

11.2

11.2

11.5
10.9

11.1
11.0

134.1

135.8

119.3
140.3

125.7
139.6

278.6

283.1

39.0

13 Interbank loans
130.3
128.2
129.8
133.8
125.9

126.4

137.4

133.0

122.8
123.7

133.6
127.9

14 Cash assets (4)
124.6
120.8
127.5
150.1
131.0

127.6

136.3

141.8

140.9
135.3

123.9
138.7

15 Other assets (5)
156.7
160.0
163.2
169.8
167.5

161.5

165.6

173.8

127.7
167.0

157.3
168.5

16 TOTAL ASSETS (6)
2,172.2
2,158.6
2,180.7
2,260.9
2,225.8

2,186.9

2,216.5

2,176.2
2,186.1
2,231.2
2,223.1
2,226.3

1,352.2

1,373.3

1,322.2
1,328.6
1,389.7
1,380.0
1,388.9

384.1

393.8

406.9

452.3
388.8

408.0
401.0

968.1

979.5

982.8

869.9
991.2

920.6
987.9

151.2

153.7

152.7

122.3
152.8

134.1
152.3

816.9

825.8

830.0

747.7
838.4

786.5
835.7

408.3

445.6
407.8

434.7
402.6

182.9

191.3
178.0

186.8
183.8

225.4

254.3
229.8

248.0
218.8

83.0
61.4

74.1
63.3

L I A B I L I T I E S
17 Deposits
1,331.8
1,332.9
1,344.5
1,371.0
1,343.5
18
Tranlgdtion
403.4
391.1
391.5
394.7
373.8
19
Nontranlgdtion
928.4
941.8
953.0
976.3
969.8
20
Large time
136.5
140.7
144.5
152.6
154.2
21
Other
791.9
801.1
808.5
823.7
815.6

22 Borrowings
427.0
414.5
424.0
399.9
409.0
428.3
422.7
23
From banks in the U.S.
183.2
177.8
180.1
167.1
176.9
183.9
180.3
24
From others
243.9
236.7
243.9
232.8
232.2
244.4
242.4
25
Net due to related foreign offices
71.2
67.8
65.0
74.8
66.2

63.4

78.0

78.0

26 Other liabilities
123.6
124.6
127.2
164.1
161.2

141.9

149.5

150.8

27 TOTAL LIABILITIES
1,953.7
1,939.8
1,960.7
2,041.4
2,005.4

1,968.8

1,998.0

1,967.4
1,967.8
2,012.3
2,006.2
2,008.7

28 Residual (assets less liabilities) (7)
218.6
218.8
220.0
218.1
218.5
219.5
220.4

218.9

MEMO
Reval. gains on off-bal. sheet itens(8)
---32.4
33.1
36.2
53.4
50.7
30 Reval. losses on off-bal. sheet itens (8)
---28.9
28.9
31.8
50.6
46.6
31 Mortgage-backed securities (9)
---186.7
188.1
190.7
194.1
195.6
29

116.6
157.1

208.8
216.9

130.3
153.9

218.3
217.6

-41.9

-42.9

-38.3

-39.7

-191.4

-190.7

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

Aug
Jan 29

Sep

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

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

1
Bank credit
1,414.1
1,421.9
1,452.2
1,455.5
2
417.5
416.7
3
337.8
334.7
4
79.7
82.0

Oct

1,428.3

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

1,430.2

1,436.1

1,354.0
1,406.3
1,442.2
1,451.5
1,450.4

413.5

413.7

406.4
418.3

415.8
416.7

333.1

333.1

328.6
336.0

335.8
334.7

80.4

80.6

77.8
82.3

79.9
82.0

Securities in bank credit
417.8
417.1
415.0
418.6
U.S. government securities
337.6
337.0
334.6
336.9
Other securities
80.1
80.1
80.4
81.7

5
Loans and leases in bank credit (2)
996.5
1,004.1
1,011.2
1,015.3
1,022.6
1,035.5
1,036.9
6
Commercial and industrial

1,028.5

947.5
1,033.2
169.8

990.5
1,033.7
178.3

178.9
185.8
7
515.4
538.8
8
26.9
30.9
9
488.5
507.9
10
233.2
238.7
11
5.1
5.1
12
64.0
67.1

179.9
181.4
182.0
186.7
Real estate
519.8
523.2
524.9
540.4
Revolving home equity
27.3
27.8
29.6
31.0
Other
492.5
495.4
495.3
509.4
Consumer
234.8
236.3
238.8
237.7
Security (3)
5.1
5.2
5.0
5.0
Other loans and leases
64.5
65.0
64.6
67.1

183.5

185.2

185.3

185.5

528.9

532.5

487.1
536.8

512.1
537.6

30.0

30.5

26.3
30.8

26.7
30.8

498.9

502.0

460.9
506.0

485.4
506.8

239.7

239.6

222.5
239.5

231.2
238.6

5.1

5.2

5.8
5.0

5.3
5.1

65.4

66.1

62.3
66.5

63.6
66.9

13
47.7
54.9

Interbank loans
49.4
51.2
53.6

51.0

53.6

55.0

58.2
53.5

51.6
55.6

14
64.4
74.3

Cash assets (4)
65.4
66.6
76.7

68.2

69.4

70.4

63.1
67.6

66.1
68.4

15
55.5
59.4

Other assets (5)
56.2
57.4
51.4

57.2

57.9

58.5

50.0
56.9

50.7
58.1

1,585.8

1,596.1

1,505.4
1,554.0
1,605.1
1,608.5
1,611.5

1,229.3

1,251.1

1,197.5
1,217.5
1,264.0
1,275.5
1,281.6

317.7

321.8

322.6

336.0
317.5

326.9
321.3

911.5

929.4

941.4

861.5
958.0

890.6
960.3

143.6

146.2

147.9

144.2
149.0

149.4
149.6

768.0

783.1

793.5

717.4
809.0

741.2
810.7

163.9

164.7

164.7

137.2
165.8

150.0
162.4

16 TOTAL ASSETS (6)
1,560.9
1,571.9
1,582.7
1,619.6
1,616.1

L I A B I L I T I E S
17 Deposits
1,218.8
1,231.6
1,240.6
1,285.0
1,284.8
18
Transaction
323.0
322.5
322.9
327.1
332.2
19
Nontransaction
895.8
909.1
917.7
957.9
952.7
20
Large time
150.9
152.4
152.3
149.8
149.2
21
Other
744.9
756.7
765.4
808.1
803.4
22 Borrowings
155.4
161.0
168.8
171.5

162.8

23
79.2
87.1
24
76.2
81.6
25
5.7
4.0
26
27.8
24.3

From banks in the U.S.
82.7
83.8
86.4
86.4
89.6
From others
78.3
79.1
77.5
78.3
82.0
Net due to related foreign offices
4.4
5.9
3.4
2.2
4.0
Other liabilities
27.1
26.9
24.0

27 TOTAL LIABILITIES
1,407.6
1,424.1
1,436.2
1,482.1
1,484.4

84.1

74.7
84.8

81.4
84.9

80.6

62.5
81.0

68.6
77.6

2.7

6.3
3.8

5.2
3.8

27.4
24.5

27.7
24.4

28.1

27.1

26.0

1,424.7

1,445.1

1,368.4
1,400.4
1,457.4
1,469.5
1,472.2

28 Residual (assets less liabilities) (7)
153.3
147.9
146.4
161.2
151.1
137.6
131.7

147.7

136.9
139.0

153.5
139.2

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

Aug
Jan 29

Sep

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

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

1
Bank credit
1,414.5
1,421.4
1,449.5
1,450.7
2
416.8
415.9
3
337.0
334.1
4
79.7
81.8

Oct

1,432.4

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

1,432.8

1,437.7

1,356.6
1,407.1
1,444.9
1,451.8
1,450.0

411.9

413.3

405.9
416.6

417.6
415.8

331.4

332.6

328.0
334.7

337.8
333.9

80.5

80.7

77.9
82.0

79.8
81.9

Securities in bank credit
415.9
417.5
413.9
416.5
U.S. government securities
336.0
337.5
333.5
334.9
Other securities
79.9
80.0
80.4
81.6

5
Loans and leases in bank credit (2)
997.8
1,005.6
1,014.8
1,018.9
1,025.8
1,033.6
1,034.3
6
Commercial and industrial
179.0
178.7
180.4
181.4
182.8
185.8
186.5

1,031.7

950.7
1,035.2

989.5
1,034.2

184.7

169.3
185.7

179.6
185.6

7
515.8
538.3
8
26.9
30.8
9
488.9
507.4
10
233.0
239.4
11
4.9
5.1
12
65.1
65.0

Real estate
520.9
525.4
527.1
539.4
Revolving home equity
27.4
28.1
29.8
30.9
Other
493.5
497.3
497.4
508.5
Consumer
234.9
237.3
239.5
238.8
Security (3)
5.1
5.1
4.9
4.9
Other loans and leases
66.0
66.6
66.0
64.6

488.9
537.1

511.9
537.5

26.3
30.8

26.7
30.8

503.8

462.6
506.3

485.2
506.7

240.4

240.5

223.4
240.4

229.3
239.6

5.3

5.4

6.0
5.5

5.2
5.4

66.1

66.7

63.1
66.6

63.6
66.2

531.1

534.4

30.1

30.5

501.0

13
45.0
53.4

Interbank loans
48.4
49.5
50.7

51.3

58.4

58.0

61.7
59.5

48.5
58.2

14
64.0
75.8

Cash assets (4)
63.1
65.1
75.2

69.3

72.1

74.3

67.2
71.0

64.7
72.8

15
55.4
59.0

Other assets (5)
56.3
57.9
52.5

56.9

58.4

59.0

50.5
58.1

49.1
58.9

1,589.5

1,605.8

1,516.0
1,548.7
1,615.3
1,619.3
1,618.9

1,231.6

1,258.8

1,211.7
1,215.4
1,277.4
1,286.4
1,285.5

318.2

325.4

333.8

348.2
330.8

325.1
330.1

913.3

933.3

943.6

863.5
955.6

890.3
955.4

144.0

146.6

147.0

143.3
147.4

148.9
147.9

769.4

786.8

796.6

720.3
808.3

741.4
807.5

163.2

164.2

138.0
165.3

152.3
165.7

84.7

83.6

75.4
83.8

82.9
84.6

16 TOTAL ASSETS (6)
1,558.3
1,568.4
1,584.0
1,616.6
1,608.0

L I A B I L I T I E S
17 Deposits
1,215.4
1,228.8
1,242.8
1,274.4
1,267.3
18
Transaction
320.7
319.1
322.2
325.1
324.7
19
Nontransaction
894.7
909.6
920.5
949.3
942.5
20
Large time
150.1
152.2
152.1
148.5
148.5
21
Other
744.6
757.5
768.4
800.8
794.0

22 Borrowings
155.0
159.1
162.5
164.0
172.9
172.7
23
From banks in the U.S.
80.6
82.5
84.6
85.9

89.0
24
74.4
83.9
25
5.7
4.0
26
28.0
24.6

88.5
From others
76.6
77.9
78.1
78.5
84.2
Net due to related foreign offices
4.4
5.9
3.4
2.2
4.0
Other liabilities
27.2
26.6
24.4

27 TOTAL LIABILITIES
1,404.0
1,419.5
1,437.7
1,475.9
1,468.4

80.6

62.6
81.5

69.4
81.1

2.7

6.3
3.8

5.2
3.8

26.9
24.6

27.2
24.5

28.1

27.0

25.6

1,427.1

1,451.1

1,383.0
1,400.1
1,469.9
1,480.1
1,479.4

MEMO
28 Residual (assets less liabilities) (7)
154.3
148.9
146.3
162.4
154.8
140.7
139.6
31 Mortgage-backed securities (9)
---49.3
49.9
52.9
52.6

145.4
51.0

133.0
139.2
-52.3

148.6
139.4
-52.5

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

Aug
Jan 29

Sep

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

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

1
Bank credit
466.6
464.5
522.5
524.8

Oct

467.7

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

482.0

497.3

510.0

436.5
514.8

460.3
514.1

159.9

167.1

141.8
166.0

146.8
164.9

88.0

89.2

67.2
85.7

78.3
81.6

71.9

77.9

74.6
80.3

68.5
83.3

342.9

294.7
348.7

313.5
349.3

217.4

181.5
219.8

190.4
219.5

2
148.3
171.4
3
80.0
81.3
4
68.3
90.1

Securities in bank credit
147.6
146.6
149.6
172.8
U.S. government securities
80.9
82.9
83.1
82.6
Other securities
66.7
63.7
66.5
90.2

5
318.3
351.1
6
194.2

Loans and leases in bank credit (2)
316.9
321.0
332.4
337.4
352.0
Commercial and industrial
194.3
200.7
207.1
211.0

220.2
7
33.1
32.3
11
32.0
37.9
12
59.1
60.6

220.7
Real estate
33.1
32.8
32.9
32.7
Security (3)
29.8
29.1
32.7
38.2
Other loans and leases
59.7
58.4
59.8
60.4

32.8

32.5

35.8
32.6

33.3
32.5

34.5

35.4

29.8
36.4

32.5
35.5

59.2

57.6

47.6
59.9

57.3
61.8

13
19.2
23.1

Interbank loans
16.4
20.3
26.3

20.9

20.9

22.8

21.5
21.0

22.4
24.6

14
28.1
31.5

Cash assets (4)
28.5
29.5
32.4

29.8

31.1

31.4

29.3
31.5

26.0
32.2

15
42.8
40.3

Other assets (5)
43.7
41.1
39.7

33.9

36.5

37.4

48.6
37.3

41.8
39.9

566.4

585.7

601.5

535.9
604.3

550.4
610.6

197.9

205.1

221.4

165.7
230.7

173.4
230.6

10.5

10.6

10.8

9.9
10.7

10.5
11.0

187.3

194.5

210.6

155.8
220.0

162.9
219.6

184.7

190.9

206.5

152.0
216.0

162.2
215.4

2.6

3.6

4.1

3.9
4.0

0.7
4.1

110.2
123.0

129.9
125.7

36.1

30.7
29.6

33.0
26.7

89.1

79.6
93.3

96.9
99.0

172.4
151.8

177.3
152.8

16 TOTAL ASSETS (6)
556.6
553.1
558.4
617.1
623.1
L I A B I L I T I E S
17 Deposits
179.5
180.3
186.0
226.0
234.1
18
Transaction
10.6
10.5
9.7
11.1
10.9
19
Nontransaction
168.9
169.8
176.2
214.9
223.3
20
Large time
165.3
166.7
172.9
213.0
213.8
21
Other
3.6
3.1
3.4
1.9
9.5

22 Borrowings
123.0
128.6
122.8
118.7
128.1
134.7
138.4
23
From banks in the U.S.
30.8
34.6
34.0
33.4
35.4
33.7
32.1
24
From others
92.2
94.1
88.8
85.3
92.7
101.0
106.2
25
Net due to related foreign offices
178.2
173.2
176.3
167.3
166.1
143.9
145.4

125.2

160.4

26
71.8
91.3

Other liabilities
69.4
68.7
92.3

27 TOTAL LIABILITIES
552.6
551.5
553.8
595.9
610.2
28
4.1
21.2

74.8

80.2

83.0

558.6

579.6

590.0

Residual (assets less liabilities) (7)
1.5
4.6
7.8
6.1
12.9

11.5

81.0
84.4

69.2
86.7

529.3
589.8

549.9
595.8

6.5
14.5

0.5
14.8

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

Aug
Jan 29

Sep

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

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

1
Bank credit
468.0
468.0
517.7
523.9
2
148.4
166.3
3
79.0
83.2
3a
-15.9
3b
-67.3
4
69.4
83.2
4a
-60.4
4b
-22.7
5
319.6
351.4
6
195.2
219.7

Oct

466.3

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 15
Jan 22

1996

1996

Nov

Dec

Jan 8

--------

--------

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

480.7

496.9

505.8

434.8
510.7

460.7
511.6

160.6

138.2
160.1

147.4
161.3

66.2
84.4

78.0
83.1

Securities in bank credit
150.8
145.5
149.5
159.6
171.3
U.S. government securities
82.4
81.9
82.6
88.0
84.8
Trading account
--18.8
22.0
17.6
Investment account
--63.7
66.0
67.2
Other securities
68.4
63.6
66.9
71.6
86.5
Trading account
--48.3
52.4
63.5
Investment account
--18.5
19.2
22.9
Loans and leases in bank credit (2)
317.2
320.8
331.3
337.3
352.6
Commercial and industrial
194.4
199.5
205.9
210.8
220.6

86.7
20.2

-17.2

-16.2

66.5

-67.2

-66.9

73.9

71.9
75.6

69.4
78.2

54.5

-53.6

-55.3

19.3

-22.0

-22.8

345.2

296.7
350.7

313.4
350.3

217.8

181.8
219.8

191.1
219.4

7
32.9
32.3
11
32.0
37.9
12
59.5
61.5

Real estate
33.1
32.9
33.1
32.6
Security (3)
29.8
29.1
32.7
38.2
Other loans and leases
59.8
59.3
59.7
61.2

33.2

32.7

35.9
32.6

33.1
32.5

34.5

35.4

29.8
36.4

32.5
35.5

58.8

59.3

49.0
61.8

56.6
62.9

13
19.2
23.1

Interbank loans
16.4
20.3
26.3

20.9

20.9

22.8

21.5
21.0

22.4
24.6

14
28.2
31.8

Cash assets (4)
28.5
28.8
32.6

30.1

31.3

32.5

30.2
31.8

26.6
32.9

15
42.0
38.8

Other assets (5)
44.5
41.5
39.2

33.6

36.8

38.2

49.6
37.1

41.7
38.6

565.2

585.7

599.2

536.0
600.4

551.3
607.5

203.2

207.7

224.1

168.1
230.3

173.8
230.8

10.6

10.6

11.5

10.5
10.7

10.4
11.1

192.6

197.1

212.7

157.6
219.6

163.4
219.7

190.4

194.8

209.9

154.9
215.0

161.0
213.8

2.3

2.4

2.7

2.7
4.6

2.4
5.9

109.4
121.8

134.4
124.1

36.9

31.7
32.1

34.5
29.2

87.3

77.8
89.7

99.9
94.9

175.0
158.4

170.2
160.3

16 TOTAL ASSETS (6)
557.4
557.3
556.9
611.2
621.9
L I A B I L I T I E S
17 Deposits
177.5
178.8
185.6
227.1
234.2
18
Transaction
10.6
10.3
10.1
11.0
10.8
19
Nontransaction
166.9
168.5
175.4
216.1
223.4
20
Large time
163.9
166.2
173.2
211.1
210.9
21
Other
3.0
2.3
2.3
5.0
12.5

22 Borrowings
130.6
133.6
123.9
115.3
124.8
131.5
132.4
23
From banks in the U.S.
32.2
35.1
33.3
30.9
35.5
32.8
33.3
24
From others
98.3
98.5
90.6
84.4
89.3
98.6
99.1
25
Net due to related foreign offices
175.0
171.2
174.3
167.3
165.8
155.3
155.3
26

Other liabilities

124.2

162.0

79.6

69.9

70.2
89.9

69.8
93.5

68.6

27 TOTAL LIABILITIES
553.3
553.3
552.4
603.7
615.4
28
4.1
7.5
29
-40.0
30
-40.2

73.2

80.8

81.6

559.0

579.0

592.0

Residual (assets less liabilities) (7)
4.0
4.5
6.2
6.7
6.4

7.2

MEMO
Reval. gains on off-bal. sheet items (8)
--29.9
32.4
32.7
41.6
Reval. losses on off-bal. sheet items (8)
--29.4
31.6
32.1
41.6

82.5

84.7

532.1
593.0

548.3
599.9

3.9
7.4

3.0
7.6

-34.3

-35.6

-33.8

-35.1

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
January 29, 1997.
Federa
l Reserve Distict
National
___________________________________________________________
total
Boston
New
York
Philadelphia
Cleveland Richmond
Atlanta
ASSETS
1 Bank credit
1,836.9
93.3
340.8
102.6
163.1
179.9
206.9
2
Securities in bank credit (14)
419.3
3
3a
3b
79.5
3c
59.4
3d
20.1
3e
3.7
3f
10.8
3g
5.6
4
4a
4b
19.6

U.S. government securities (14)

282.8

Trading account (14)

16.2

Investment account
5.0
25.0
29.9
Mortgage-backed
2.0
18.6
17.8
Other
3.0
6.5
12.2
1 year or less
0.9
1.2
3.4
Between 1 and 5 years
1.7
4.3
7.6
More than 5 years
0.4
1.0
1.2
Other securities (14)

27.4
16.1
11.2
2.2
6.4
2.6

Trading account (14)
Investment account
2.3
6.0

266.6

16.4

172.9

7.2

93.7

9.3

25.8

3.5

52.7

5.1

15.2

0.7

136.5
69.9
66.7

4.5

9.9

5.4

4c
6.7
4d
12.9
5
241.7
6
64.3
6a
0.6
6b
63.7
7
97.1
8
7.7
9a
60.7
9b
28.8
10
34.7
11
13.8
11a
5.8
11b
8.0
12a
1.6
12b
0.2
12c
2.3
12d
14.5
12e
13.2
13
47.4
13a
27.7
13b
19.7
14
29.2
15
110.8
16
516.2

State and local government
20.6
0.6
0.8
1.0
2.1
Other
46.1
1.6
5.2
3.4
7.9
Loans and leases in bank credit (2)
1,417.6
95.3
132.1
145.5
169.6
Commerical and industrial
383.2
15.0
37.9
34.8
38.1
Bankers accep and commercial paper
1.6
0.0
0.0
0.1
0.0
Other
381.6
15.0
37.9
34.7
38.1
Real estate
562.1
28.6
48.2
74.0
82.3
Revolving home equtiy
55.1
3.3
5.7
6.9
5.9
Other residential
323.8
20.7
28.1
45.8
48.9
Commercial
183.2
4.6
14.4
21.3
27.5
Consumer
287.0
45.2
30.9
19.8
36.7
Security (3)
38.1
0.1
1.0
2.8
1.5
Fed funds and RPs with broker/dealer
22.3
0.0
0.1
2.5
1.0
Other
15.8
0.1
0.9
0.3
0.4
State and local government
11.0
0.7
1.2
2.0
2.1
Agricultural
7.5
0.1
0.2
0.5
0.5
Fed funds and RPs with others
4.9
0.0
0.0
0.9
0.0
All other loans
59.1
1.4
3.0
4.7
3.6
Lease financing receivables
64.8
4.2
9.6
6.1
4.9
Interbank loans
125.9
3.0
8.0
10.2
11.8
Fed funds and RPs with banks
77.8
2.9
4.9
7.1
10.6
Other
48.1
0.1
3.1
3.1
1.2
Cash assets(4)
131.0
4.9
8.7
10.2
11.0
Other assets (12)
193.0
13.5
12.9
33.7
15.4
TOTAL ASSETS (6)
2,251.4
121.8
189.8
231.8
242.2

1.9
3.5
71.4
26.5
0.1
26.4
19.9
3.1
8.7
8.1
7.1
8.6
8.1
0.5
0.2
0.0
0.7
3.6
4.8
5.2
2.5
2.7
8.0
13.9
118.7

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
January 29, 1997.
Federa
l Reserve Distict

National
___________________________________________________________
total
York
Philadelphia Cleveland Richmond
Atlanta
17
270.9
18
72.7
19
198.1
20
42.4
21
155.8
22
74.6
23
23.2
24
51.4
26
105.3
27
450.7

Deposits
68.0
Transaction
14.8
Nontransaction
53.2
Large time
12.4
Other
40.9
Borrowings
32.9
From banks in
16.2
From others
16.7
Other liabilities
8.8
TOTAL LIABILITIES
109.7

28
65.5

Residual (assets less liabilities (13)
12.1
14.6
16.1

118.1

121.5

168.9

27.0

27.7

34.8

91.1

93.7

10.2

13.4

80.9

80.4

134.0
18.4
115.7

42.7
the US
15.9

60.7

38.7

28.1

20.9

26.8
(13)
14.4

32.6

17.8

33.6

14.1

175.3

215.8

221.7

1,343.5

64.7

373.8

22.1

969.8

42.6

154.2

6.4

815.6

36.3

422.7

30.3

180.3

8.5

242.4

21.8

264.8

13.3

2,031.0

108.4

220.4

10.3

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

50.7

30

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

46.6

33

New

20.6

29

31 Mortgage-backed securities (9)
64.0
3.3
20.0
19.1
31a
Pass-through
51.1
1.7
12.4
15.8
31b
CMO, REMIC and other
12.8
1.5
7.5
3.2
32 Net unrealized ganis (losses)

Boston

22.0
13.8
8.2

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

195.6

7.8

136.8

5.7

58.8

2.1

2.6
30.9

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
January 29, 1997.
Federa

l Reserve Distict
_______________________________________
Minneapolis

Kansac City
ASSETS

Dallas

_______________________________
San Francisco

Chicago

St.Louis

1 Bank credit
39.4
25.8
69.3
299.3
2
Securities in bank credit (14)
3
3a
3b
2.7
3c
1.8
3d
0.9
3e
0.1
3f
0.3
3g
0.6
4
4a
4b
0.6
4c
0.2
4d
0.4
5
36.1
6
8.3
6a
0.0
6b
8.3
7
7.9
8
0.4
9a
5.2
9b
2.3
10
15.7
11
1.2
11a
0.8
11b
0.5
12a
0.1
12b
0.2

190.0

40.5

27.0

7.1

12.0

4.1

15.0

2.9

7.7

0.8

5.9

1.6

1.5

0.4

6.7

1.1

3.6

0.7

3.0

0.4

156.3

32.3

65.2

8.3

0.2

0.0

65.0

8.3

48.5

15.0

4.9

1.3

19.4

10.0

24.3

3.8

23.8

5.2

4.4

1.6

0.8

1.4

3.6

0.2

1.2

0.2

0.4

0.1

U.S. government securities (14)
Trading account (14)
Investment account (14)
6.1
11.9
28.4
Mortgage-backed
4.3
9.8
19.8
Other
1.8
2.1
8.6
1 year or less
0.4
0.2
1.7
Between 1 and 5 years
1.4
1.7
5.9
More than 5 years
0.0
0.3
1.0
Other securities (14)
Trading account (14)
Investment accout (14)
1.0
2.2
7.4
State and local government
0.6
0.7
1.7
Other
0.4
1.6
5.7
Loans and leases in bank credit (2)
18.7
55.1
263.4
Commerical and industrial
5.1
24.6
54.9
Bankers accep and commercial paper
0.0
0.0
0.5
Other
5.1
24.6
54.5
Real estate
6.8
14.5
119.2
Revolving home equtiy
0.4
0.3
15.2
Other residential
3.7
9.8
62.9
Commercial
2.7
4.4
41.1
Consumer
4.7
9.8
53.4
Security (3)
0.1
1.1
2.1
Fed funds and RPs with broker/dealer
0.0
0.8
1.1
Other
0.1
0.3
1.0
State and local government
0.1
0.1
1.4
Agricultural
0.4
0.2
4.7

12c
0.0
12d
1.6
12e
0.9
13
4.4
13a
4.1
13b
0.3
14
2.1
15
2.8
16
47.9

Fed funds and RPs with others
0.0
0.0
0.5
All other loans
1.2
4.1
12.5
Lease financing receivables
0.3
0.8
14.7
Interbank loans
1.0
7.7
16.0
Fed funds and RPs with banks
0.7
2.5
4.1
Other
0.3
5.2
11.9
Cash assets(4)
3.1
10.6
25.0
Other assets (12)
1.3
7.0
43.7
TOTAL ASSETS
30.9
93.8
377.7

0.4

0.0

8.0

0.9

4.4

0.9

8.0

3.2

7.4

3.1

0.6

0.1

15.5

2.7

20.9

3.3

231.4

49.2

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
January 29, 1997.
Federa
l Reserve Distict

_______________________________

_______________________________________
Minneapolis

Kansas City

Dallas

Chicago

17
22.3
18
7.2
19
15.1
20
1.3
21
13.9
22
16.7
23
12.8
24
3.9
26
4.7

Deposits
23.8
66.7
Transaction
7.3
20.8
Nontransaction
16.5
45.9
Large time
1.5
4.5
Other
15.0
41.4
Borrowings
3.6
14.0
From banks in the US
2.1
4.0
From others
1.5
10.0
Other liabilities (13)
1.1
5.0

27
43.7

TOTAL LIABILITIES
28.4

28
4.2

Residual (assets less liabilities (13)
2.4
8.1
41.5

29

85.7

St.Louis

San Francisco
253.9
92.9
161.0
24.0
137.0
48.9
24.7
24.3
33.3

135.8

28.9

39.4

6.9

96.4

22.0

17.4

2.4

78.9

19.6

45.4

14.2

14.0

10.0

31.4

4.2

28.7

2.5

209.8

45.7

21.6

3.5

336.2

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

30

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

31 Mortgage-backed securities (9)
1.9
4.9
10.7
31a
Pass-through
1.6
3.6
8.7
31b
CMO, REMIC and other
0.3
1.3
2.0
32 Net unrealized ganis (losses)
33

23.2
13.1
10.1

13.9

4.9

7.4

1.8

6.5

3.1

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.