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
February 21, 1997
Account
1996

1996

1996

Sep
Feb 12

Oct

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

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

1
Bank credit
3,674.5
3,693.2
3,833.4
3,841.1

Nov

3,719.4

1997

Dec

Jan

--------

--------

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

3,743.8

3,771.2

3,628.4
3,682.5
3,806.9
3,821.0
3,818.1

2
Securities in bank credit
972.1
968.9
970.2
982.0
1,020.1
1,024.7
3
U.S. government securities
702.2
703.3
703.7
707.8
705.8
705.3
4
Other securities
269.9
265.6
266.5
274.2
314.3
319.4
5
Loans and leases in bank credit
2,702.4
2,724.2
2,749.2
2,761.8
2,813.3
2,816.4
6
Commercial and industrial
746.9
761.0
770.5
776.2
794.7
796.8
7
Real estate
1,109.4
1,112.2
1,115.9
1,120.5
1,135.6
1,138.2
8
Revolving home equity
80.5
81.2
83.2
84.2
86.2
86.1
9
Other
1,028.9
1,030.9
1,032.7
1,036.4
1,049.4
1,052.1
10
Consumer
512.8
515.8
518.3
519.0
518.5
518.0
11
Security (3)
72.3
73.8
76.6
77.4
86.4
84.3
12
Other loans and leases
261.0
261.5
267.7
268.6
278.1
279.2
13 Interbank loans
197.6
205.3
203.9
205.6
201.9

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

1996

212.4

Jan 22

992.3

1,005.9

989.9
1,016.1

982.1
1,016.4

707.4

705.9

702.1
705.6

707.7
707.8

284.9

300.0

287.8
310.5

274.5
308.6

(2)
2,778.9

2,638.4
2,700.3
2,800.9
2,805.0
2,801.8

787.0

790.9

1,125.8

1,086.0
1,105.2
1,131.7
1,131.7
1,134.1

85.3

85.8

1,040.5

1,006.5
1,025.3
1,046.0
1,046.0
1,048.2

519.2

521.1

79.0

82.7

267.9

204.6

721.8
792.0

79.4
85.8

744.7
791.5

79.9
85.9

497.5
522.0

510.7
521.6

88.1
83.9

78.1
81.5

274.5

245.1
275.3

261.6
273.0

198.2

203.6
204.6

196.9
198.7

14 Cash assets (4)
223.3
224.2
226.2
226.8
230.9

232.8

232.3

232.1

230.0
244.3

220.0
230.6

15 Other assets (5)
257.8
260.1
254.6
269.7
271.5

262.1

271.6

266.4

230.9
271.1

252.6
264.1

16 TOTAL ASSETS (6)
4,295.7
4,325.2
4,346.3
4,478.4
4,488.4

4,393.4

4,422.1

4,236.2
4,294.5
4,446.3
4,483.9
4,454.6

2,822.6

2,858.9

2,681.2
2,733.3
2,876.7
2,886.0
2,862.4

719.6

719.1

715.4

2,102.9

2,139.8

1,900.9
1,991.6
2,161.3
2,151.8
2,153.0

490.5

509.5

520.1

1,612.4

1,630.3

1,479.5
1,538.5
1,641.2
1,636.7
1,626.4

L I A B I L I T I E S
17 Deposits
2,751.0
2,772.2
2,782.2
2,901.8
2,893.2
18
Transaction
733.3
725.4
715.3
712.3
705.3
19
Nontransaction
2,017.6
2,046.8
2,066.9
2,189.4
2,187.8
20
Large time
458.8
471.7
480.1
531.4
531.8
21
Other
1,558.8
1,575.1
1,586.8
1,658.0
1,656.1

22 Borrowings
701.5
706.2
687.4
707.8
706.5
739.1
753.8
23
From banks in the U.S.
290.1
295.5
290.5
303.3
308.8
315.3
325.3
24
From others
411.4
410.7
396.9
404.5
397.7
423.8
428.5
25
Net due to related foreign offices
247.7
251.0
243.9
237.0
229.3
218.7
215.0

780.3
734.2

421.4
515.0

741.7
709.3

453.1
526.7

725.3

693.4
736.7

699.0
743.8

305.7

297.8
307.8

287.0
309.6

419.6

395.6
428.9

412.0
434.2

219.4

267.7
220.2

257.3
218.0

235.2
279.6

223.0
275.0

26 Other liabilities
222.2
221.9
244.1
282.5
297.7

253.4

261.2

271.3

27 TOTAL LIABILITIES
3,922.4
3,951.3
3,957.5
4,142.1
4,159.7

4,020.8

4,055.9

3,877.4
3,912.5
4,092.7
4,122.3
4,099.2

28 Residual (assets less liabilities) (7)
373.3
373.9
388.8
372.7
366.2
336.4
328.7
H.8 (510)

pg.2

353.6

358.8
361.6

382.0
355.4

ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
Account
1996

1996

1996

Sep
Feb 12

Oct

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

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

1
Bank credit
3,675.7
3,695.6
3,832.4
3,839.1

Nov

3,721.1

1997

Dec

Jan

--------

--------

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

3,748.0

3,770.0

3,626.7
3,679.6
3,805.2
3,812.8
3,812.6

978.3

997.1

982.8
1,005.7

980.7
1,008.8

703.2

699.9

696.3
700.4

705.3
702.0

275.1

297.2

286.4
305.3

275.4
306.8

(2)
2,791.7

2,643.9
2,698.9
2,808.1
2,807.1
2,803.8

784.0

788.6

1,130.6

1,087.6
1,105.3
1,133.7
1,132.8
1,134.0

85.4

85.8

1,045.3

1,008.2
1,025.3
1,048.0
1,047.0
1,048.1

523.9

526.7

80.3

81.9

272.9

216.7

239.8

2
Securities in bank credit
976.5
969.6
970.1
980.6
1,016.5
1,023.6
3
U.S. government securities
704.5
704.4
704.3
708.2
703.0
704.5
4
Other securities
271.9
265.2
265.9
272.4
313.5
319.1
5
Loans and leases in bank credit
2,699.2
2,726.0
2,751.0
2,767.4
2,815.9
2,815.5
6
Commercial and industrial
743.0
755.9
766.9
774.3
794.5
796.3
7
Real estate
1,110.9
1,115.2
1,119.0
1,124.8
1,135.2
1,137.3
8
Revolving home equity
80.8
81.8
83.7
84.6
85.9
85.9
9
Other
1,030.1
1,033.4
1,035.3
1,040.2
1,049.3
1,051.5
10
Consumer
513.1
518.0
518.5
519.4
521.3
519.8
11
Security (3)
70.8
73.0
76.5
78.8
86.5
85.0
12
Other loans and leases
261.3
263.9
270.0
270.0
278.5
277.1
13 Interbank loans
192.9
199.6
198.7
216.1
208.9
14 Cash assets (4)
212.3
221.5
227.1

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

1996

Jan 22

719.7
789.0

79.4
85.8

745.8
789.9

80.0
85.9

502.5
526.9

508.7
526.0

87.1
82.2

76.6
81.1

277.1

247.1
276.1

262.5
272.8

213.9

208.0

213.0
210.3

194.5
203.1

248.6

242.5

240.7
257.6

216.8
230.0

223.6

222.6

15 Other assets (5)
260.8
262.6
252.0
273.6
271.3

260.9

271.4

267.0

231.2
268.2

254.2
267.2

16 TOTAL ASSETS (6)
4,284.2
4,321.4
4,341.3
4,488.8
4,484.9

4,407.8

4,446.1

4,255.1
4,287.9
4,465.5
4,492.0
4,456.1

2,839.7

2,891.0

2,686.7
2,724.7
2,880.6
2,872.2
2,834.4

729.8

752.2

726.8

2,109.8

2,138.9

1,893.9
1,990.0
2,153.8
2,141.4
2,137.8

495.0

509.7

516.8

1,614.8

1,629.2

1,475.1
1,539.4
1,637.0
1,629.2
1,614.3

L I A B I L I T I E S
17 Deposits
2,740.4
2,772.8
2,787.0
2,890.9
2,873.5
18
Transaction
720.4
723.9
713.0
708.8
693.0
19
Nontransaction
2,020.0
2,048.9
2,074.0
2,182.1
2,180.6
20
Large time
459.1
469.8
485.5
528.1
530.1
21
Other
1,560.9
1,579.2
1,588.5
1,654.0
1,650.5

22 Borrowings
707.1
710.5
679.7
697.5
698.8
725.9
723.9
23
From banks in the U.S.
295.4
298.0
283.9
297.1
303.5
301.3
298.9
24
From others
411.8
412.5
395.8
400.4
395.3
424.6
424.9
25
Net due to related foreign offices
243.4
245.2
245.4
234.2
228.2
221.2
221.2

792.7
730.9

418.8
512.2

734.8
696.7

450.5
523.4

719.6

691.6
740.3

712.6
736.3

299.9

296.5
305.7

296.0
301.7

419.7

395.2
434.6

416.6
434.6

229.7

277.3
237.3

251.9
232.9

233.3
275.0

221.8
276.7

26 Other liabilities
221.6
222.4
243.2
283.9
300.9

257.2

257.2

268.5

27 TOTAL LIABILITIES
3,912.6
3,950.9
3,955.3
4,121.9
4,119.5

4,028.5

4,075.2

3,888.9
3,911.0
4,098.4
4,124.8
4,080.4

28 Residual (assets less liabilities) (7)
371.6
370.6
386.0
379.2
370.9
366.9
365.4
29
-99.0
30

367.2

MEMO
Reval. gains on off-bal. sheet items (8)
-62.3
65.5
69.5
88.4
104.7
Reval. losses on off-bal. sheet items (8)

366.2
367.3

376.9
375.7

-96.5

-95.1

--

--

-93.8

-100.7

58.3

60.5

64.3

84.2

93.4

90.4

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

Sep
Feb 12

Oct

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

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

1
Bank credit
3,210.0
3,225.6
3,299.9
3,301.6
2
824.6
843.0
3
621.3
621.3
4
203.3
221.7

Nov

3,237.6

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

1996

1997

Dec

Jan

--------

--------

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

3,246.7

3,260.9

3,186.1
3,215.9
3,284.6
3,295.5
3,291.3

824.9

834.0

849.1
841.6

833.9
841.0

618.2

622.8

639.0
624.3

627.6
625.3

206.7

211.2

210.1
217.3

206.2
215.8

Securities in bank credit
822.4
820.8
822.3
843.3
U.S. government securities
620.4
620.6
619.7
618.5
Other securities
202.0
200.2
202.5
224.8

Jan 22

5
Loans and leases in bank credit (2)
2,337.0
2,382.0
2,385.4
2,403.2
2,416.7
2,424.4
2,436.0
2,450.6
2,453.9
2,450.2
2,456.8
2,458.3
6
Commercial and industrial
539.0
550.6
552.6
560.3
563.5
565.3
569.6
571.0
571.8
571.2
574.0
574.8
7
Real estate
1,050.8
1,072.2
1,076.4
1,079.4
1,083.0
1,087.8
1,093.3
1,099.2
1,099.4
1,101.4
1,102.7
1,105.3
8
Revolving home equity
79.4
79.9
80.5
81.2
83.2
84.2
85.3
85.8
85.8
85.9
86.2
86.1
9
Other
971.4
992.2
995.8
998.1
999.8
1,003.6
1,008.0
1,013.4
1,013.7
1,015.4
1,016.5
1,019.2
10
Consumer
497.5
510.7
512.8
515.8
518.3
519.0
519.2
521.1
522.0
521.6
518.5
518.0
11
Security (3)
55.0
46.0
42.5
44.7
44.0
42.9
43.6
45.4
46.0
43.4
46.6
45.1
12
Other loans and leases
194.7
202.5
201.3
203.1
207.9
209.4
210.3
213.9
214.7
212.7
215.0
215.1
13

Interbank loans

180.6

177.7

181.2
183.3

185.0
179.5

183.0

191.5

181.8

174.4

181.5

172.4

14 Cash assets (4)
194.8
194.7
196.4
194.1
197.4

201.7

200.9

200.2

199.4
212.8

191.9
198.2

15 Other assets (5)
214.1
219.0
220.7
227.6
229.0

225.6

234.1

227.0

181.8
230.8

209.8
224.5

16 TOTAL ASSETS (6)
3,742.8
3,766.9
3,780.1
3,848.1
3,850.7

3,808.1

3,820.3

3,691.2
3,737.9
3,829.1
3,863.7
3,829.6

2,617.6

2,637.7

2,514.7
2,553.7
2,645.9
2,660.2
2,626.7

709.1

708.3

704.5

1,908.5

1,929.4

1,745.2
1,822.7
1,941.4
1,937.1
1,928.3

299.6

303.0

303.0

1,608.9

1,626.3

1,474.4
1,535.0
1,638.4
1,635.1
1,624.5

L I A B I L I T I E S
17 Deposits
2,570.7
2,586.3
2,584.4
2,663.0
2,649.9
18
Transaction
722.9
715.7
704.7
702.2
695.3
19
Nontransaction
1,847.9
1,870.6
1,879.6
1,960.7
1,954.6
20
Large time
292.2
298.9
295.4
306.1
305.9
21
Other
1,555.7
1,571.7
1,584.3
1,654.6
1,648.6

22 Borrowings
572.9
583.4
568.7
579.5
581.1
597.0
612.1
23
From banks in the U.S.
255.6
261.5
257.1
267.9
272.6
276.6
290.1
24
From others
317.3
321.9
311.6
311.7
308.5
320.4
322.0
25
Net due to related foreign offices
74.5
74.7
76.6
70.9
68.9
76.4
76.4

769.5
723.1

270.8
302.0

731.0
698.4

287.8
303.8

593.8

579.7
601.6

576.0
604.2

274.4

268.2
274.0

256.2
277.2

319.4

311.4
327.6

319.8
327.0

91.4
76.3

79.1
77.0

156.6
185.8

151.1
180.6

72.0

26 Other liabilities
152.8
153.1
169.3
183.6
190.6

173.2

177.9

180.0

27 TOTAL LIABILITIES
3,370.9
3,397.5
3,398.9
3,520.0
3,529.0

3,441.2

3,465.5

3,342.4
3,359.9
3,491.7
3,523.8
3,488.5

28 Residual (assets less liabilities) (7)
371.9
369.4
381.2
366.8
354.8
328.1
321.7

337.4

348.7
339.9

378.0
341.1

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

Sep
Feb 12

Oct

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

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

1
Bank credit
3,207.8
3,229.3
3,297.9
3,296.6
2
825.8
839.4
3
622.1
616.4
4
203.6
222.9

Nov

3,240.6

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

1996

1997

Dec

Jan

--------

--------

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

3,251.4

3,263.9

3,185.3
3,211.6
3,285.9
3,292.3
3,286.8

817.4

829.3

843.7
836.6

832.3
835.1

616.5

615.9

631.9
617.2

626.3
617.3

200.9

213.4

211.8
219.4

206.0
217.8

Securities in bank credit
824.2
820.8
821.3
840.0
U.S. government securities
622.5
621.7
620.2
615.6
Other securities
201.7
199.1
201.1
224.4

Jan 22

5
Loans and leases in bank credit (2)
2,341.6
2,379.3
2,382.0
2,405.1
2,419.7
2,430.1
2,446.5
2,456.6
2,455.7
2,451.7
2,458.6
2,456.7
6
Commercial and industrial
537.0
550.7
548.6
556.4
561.1
563.5
566.2
568.8
569.3
569.7
573.6
573.7
7
Real estate
1,052.5
1,072.4
1,077.8
1,082.3
1,086.0
1,091.6
1,098.0
1,101.2
1,100.5
1,101.4
1,102.2
1,104.3
8
Revolving home equity
79.4
80.0
80.8
81.8
83.7
84.6
85.4
85.8
85.8
85.9
85.9
85.9
9
Other
973.0
992.4
997.0
1,000.5
1,002.2
1,007.0
1,012.6
1,015.4
1,014.7
1,015.5
1,016.3
1,018.5
10
Consumer
502.5
508.7
513.1
518.0
518.5
519.4
523.9
526.7
526.9
526.0
521.3
519.8
11
Security (3)
54.0
44.6
41.0
43.9
43.8
44.3
44.9
44.7
44.3
42.9
46.8
45.8
12
Other loans and leases
195.7
203.0
201.5
204.5
210.3
211.2
213.5
215.2
214.7
211.7
214.7
213.0
13 Interbank loans
176.6
179.3
177.7
193.9
186.5

195.8

191.1

184.1

189.9
187.2

175.3
176.8

14 Cash assets (4)
183.8
192.7
196.9
191.0
189.8

208.5

216.1

210.2

209.8
225.9

188.6
197.5

15 Other assets (5)
216.3
221.1
218.4
231.0
227.4

224.1

233.2

228.4

183.0
229.4

212.1
228.0

16 TOTAL ASSETS (6)
3,726.9
3,764.6
3,776.3
3,856.9
3,843.6

3,822.3

3,846.7

3,711.5
3,730.6
3,851.7
3,878.1
3,832.5

2,632.1

2,667.1

2,519.9
2,547.2
2,649.6
2,645.4
2,598.7

719.3

740.7

715.9

1,912.8

1,926.4

1,738.0
1,823.1
1,933.7
1,925.5
1,912.9

300.3

299.7

301.7

1,612.5

1,626.7

1,468.5
1,536.5
1,632.0
1,624.4
1,609.3

L I A B I L I T I E S
17 Deposits
2,561.6
2,587.2
2,583.8
2,654.2
2,633.2
18
Transaction
710.2
713.7
702.4
698.3
682.8
19
Nontransaction
1,851.5
1,873.5
1,881.4
1,955.8
1,950.4
20
Large time
292.9
296.6
295.2
308.0
309.4
21
Other
1,558.6
1,576.9
1,586.3
1,647.8
1,641.1

22 Borrowings
573.6
586.5
564.3
572.7
574.4
586.3
586.3
23
From banks in the U.S.
260.3
264.6
253.0
261.5
266.5
262.7
264.8
24
From others
313.3
321.9
311.3
311.1
307.9
323.5
321.5
25
Net due to related foreign offices
72.2
70.9
78.2
68.4
66.2
74.7
74.7

781.9
719.8

269.4
301.1

724.1
685.8

286.6
303.6

591.0

580.8
608.5

582.0
602.7

267.3

265.7
272.8

263.8
268.0

323.8

315.1
335.7

318.2
334.6

93.0
82.0

76.9
82.1

155.4
182.7

151.6
181.1

73.6

26 Other liabilities
151.8
153.8
170.0
182.8
190.5

176.4

175.2

178.0

27 TOTAL LIABILITIES
3,359.2
3,398.4
3,396.3
3,498.0
3,484.7

3,449.6

3,482.8

3,349.1
3,357.7
3,492.3
3,518.5
3,464.5

28 Residual (assets less liabilities) (7)
367.7
366.2
380.0
372.7
363.8
359.0
358.9
29

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

359.4

362.4
359.5

--

372.9
368.0

--

--32.4
33.1
36.2
47.3
53.8
55.4
30 Reval. losses on off-bal. sheet items (8)
--28.9
28.9
31.8
43.9
48.5
50.9
31 Mortgage-backed securities (9)
--236.4
238.4
242.3
245.8
246.0
245.9

53.4

50.7

-50.6

-46.6

-247.6

-247.3

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

Sep
Feb 12

Oct

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

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

1
Bank credit
1,788.2
1,797.3
1,847.7
1,848.6

Nov

1,807.3

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

1996

1997

Dec

Jan

--------

--------

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

1,810.5

1,818.7

1,823.9
1,801.8
1,832.4
1,843.4
1,836.0

411.2

416.5

442.2
424.9

416.3
422.4

284.9

287.0

310.5
289.3

289.8
288.2

19.4

17.2

21.3
16.8

20.8
16.9

265.4

269.8

289.3
272.5

269.0
271.3

126.4

129.5

131.6
135.6

126.5
134.2

60.9

64.5

59.2
71.2

58.1
68.1

65.5

65.0

72.4
64.4

68.5
66.1

20.3

20.5

21.6
20.3

20.6
20.6

45.2

44.5

50.8
44.1

47.9
45.5

(2)
1,407.5

1,381.7
1,385.5
1,415.9
1,418.4
1,413.6

2
Securities in bank credit
406.8
405.3
405.8
408.7
426.1
426.8
3
U.S. government securities
283.6
283.4
286.0
286.5
285.8
283.6
3a
Trading account
20.2
20.9
21.2
21.5
16.6
17.2
3b
Investment account
263.4
262.5
264.7
265.0
269.2
266.4
4
Other securities
123.2
121.9
119.9
122.2
140.3
143.1
4a
Trading account
56.9
56.4
55.1
57.8
75.5
78.0
4b
Investment account
66.2
65.5
64.8
64.4
64.8
65.2
4c
State and local government
20.5
20.3
20.2
20.2
21.1
21.1
4d
Other
45.8
45.1
44.5
44.2
43.7
44.1
5
Loans and leases in bank credit
1,381.4
1,392.0
1,401.4
1,401.8
1,421.7
1,421.8

Jan 22

6
372.7
386.9
7
556.6
562.5
8
53.2
55.1
9
503.3
507.4
10
277.9
283.7
11
37.3
41.4
12a
11.1
11.0
12b
125.7
136.2

Commercial and industrial
378.9
381.5
381.8
387.2
Real estate
556.1
558.4
559.2
564.0
Revolving home equity
53.5
53.7
54.2
55.1
Other
502.6
504.7
505.0
508.9
Consumer
279.4
279.2
278.9
283.5
Security (3)
39.5
39.0
37.8
39.9
State and local government
10.8
10.9
11.1
11.0
All other
127.2
132.4
132.9
136.2

384.5

385.1

367.9
385.8

371.7
384.5

561.1

561.3

560.9
561.3

556.7
561.7

54.9

55.0

53.1
55.0

53.1
55.1

506.2

506.3

507.9
506.3

503.7
506.6

279.1

282.1

272.1
282.7

277.6
283.2

38.5

40.3

49.3
40.9

41.0
38.4

11.3

11.1

11.4
11.1

11.2
11.1

133.0

135.9

120.0
136.6

127.3
134.7

13 Interbank loans
131.9
133.8
132.0
126.3
123.4

137.9

126.8

119.9

119.7
126.6

130.1
119.2

14 Cash assets (4)
129.4
128.2
128.2
124.7
126.1

132.3

130.5

130.5

134.7
138.6

127.6
130.0

15 Other assets (5)
158.0
161.6
163.5
168.5
170.7

167.7

175.6

168.7

132.8
171.4

154.3
165.5

16 TOTAL ASSETS (6)
2,170.8
2,184.2
2,194.2
2,231.6
2,233.0

2,211.9

2,215.1

2,174.4
2,177.0
2,215.6
2,244.2
2,215.1

1,366.4

1,373.6

1,322.9
1,335.0
1,366.2
1,375.3
1,353.7

387.3

385.7

382.7

435.2
395.9

408.0
378.3

979.1

987.9

983.6

887.7
979.3

926.9
975.4

153.4

155.1

153.4

125.0
152.2

136.9
153.8

825.7

832.8

830.2

762.7
827.1

790.0
821.6

L I A B I L I T I E S
17 Deposits
1,339.1
1,345.6
1,355.1
1,371.8
1,355.7
18
Transaction
400.3
392.7
387.0
380.1
367.7
19
Nontransaction
938.8
952.9
968.1
991.7
988.0
20
Large time
139.8
146.5
151.8
155.6
156.0
21
Other
799.0
806.4
816.3
836.0
832.0

22 Borrowings
411.9
420.5
404.3
414.4
415.9
427.7
439.9
23
From banks in the U.S.
172.9
177.7
170.7
181.5
188.5
189.0
200.2
24
From others
239.0
242.7
233.6
232.9
227.4
238.7
239.7
25
Net due to related foreign offices
70.1
68.9
73.2
68.7
66.1
72.2
72.2

426.1

442.2
432.2

420.6
432.3

187.9

192.4
186.9

177.0
187.8

238.2

249.8
245.2

243.6
244.5

85.4
72.3

73.4
72.6

124.9
161.5

123.4
155.3

68.0

26 Other liabilities
125.7
126.3
141.2
159.9
167.1

146.2

151.9

155.5

27 TOTAL LIABILITIES
1,946.8
1,961.3
1,973.8
2,031.5
2,034.9

1,995.7

2,007.5

1,975.2
1,952.3
2,015.8
2,041.2
2,013.9

28 Residual (assets less liabilities) (7)
224.0
223.0
220.4
216.2
207.5
200.0
198.1

199.7

199.1
203.0

224.7
201.2

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

1997

Sep
Feb 12

Oct

Dec

Jan

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

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

--------

--------

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

1,813.6

1,818.9

1,825.2
1,797.1
1,835.6
1,842.9
1,836.3

404.1

413.2

438.3
420.7

415.6
418.7

283.6

281.3

304.8
282.8

289.3
282.3

1996

1
Bank credit
1,786.3
1,797.0
1,850.5
1,848.3
2
409.9
424.7
3
286.2
282.8
3a
20.9
16.1
3b
265.3
266.8
4

Nov

1,807.8

Securities in bank credit
406.7
406.9
409.3
424.6
U.S. government securities
285.0
288.1
288.7
281.5
Trading account
21.0
22.0
22.7
17.3
Investment account
264.0
266.1
266.0
264.2
Other securities

18.1
265.5

Jan 22

16.3
265.0

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

20.2
16.6

19.9
16.2

284.6
266.2

269.3
266.1

133.5

126.3

123.7
121.7
118.8
120.6
141.9
143.1
4a
Trading account
57.8
56.2
53.5
55.4
76.7
77.8
4b
Investment account
65.9
65.5
65.3
65.3
65.2
65.3
4c
State and local government
20.3
20.3
20.2
20.3
21.0
21.1
4d
Other
45.6
45.2
45.0
44.9
44.2
44.2
5
Loans and leases in bank credit
1,376.4
1,390.3
1,400.8
1,404.3
1,425.8
1,423.7
6
Commercial and industrial
369.9
376.0
379.7
380.8
386.8
386.7
7
Real estate
556.9
556.9
559.1
560.8
563.9
565.4
8
Revolving home equity
53.4
53.7
54.0
54.5
55.1
55.0
9
Other
503.5
503.1
505.1
506.3
508.8
510.4
10
Consumer
278.3
280.6
278.7
278.6
285.2
283.8
11
Security (3)
35.9
38.9
38.9
39.0
41.3
40.4
12a
State and local government
11.2
10.9
10.9
11.2
10.9
10.9
12b
All other
124.3
127.0
133.4
133.9
137.8
136.5

120.5

131.9

137.9

136.4

54.4

66.4

60.6
73.1

58.7
69.9

66.1

65.5

72.9
64.9

67.6
66.5

20.4

20.5

21.6
20.4

20.2
20.6

45.7

45.0

51.3
44.5

47.4
45.9

(2)
1,414.8

1,386.9
1,381.5
1,422.4
1,422.2
1,417.6

381.6

382.9

365.9
383.4

371.7
383.2

563.9

563.7

563.0
563.0

556.5
562.7

54.9

55.1

53.1
55.1

53.1
55.1

508.9

508.6

509.9
507.9

503.4
507.6

283.0

286.8

276.2
286.9

275.7
286.4

39.5

39.4

48.1
39.2

39.7
38.1

11.2

11.0

11.3
11.0

11.2
11.0

135.6

138.7

122.3
138.7

126.7
136.3

13 Interbank loans
128.2
129.8
126.4
132.5
127.3

137.4

133.0

128.4

127.6
133.8

130.3
126.5

14 Cash assets (4)
120.8
127.5
127.6
122.8
121.9

136.3

141.8

138.3

142.7
150.1

124.6
130.6

15 Other assets (5)
160.0
163.1
161.5
168.9
168.5

165.6

174.1

169.1

133.0
170.4

156.7
167.9

16 TOTAL ASSETS (6)
2,158.5
2,180.6
2,186.8
2,238.9
2,230.2

2,216.4

2,231.3

2,192.0
2,172.2
2,235.6
2,261.6
2,225.7

L I A B I L I T I E S
17 Deposits
1,332.9
1,344.5
1,352.2
1,369.0
1,352.2
18
Tranlgdtion
391.1
391.5
384.1
375.8
360.8
19
Nontranlgdtion
941.8
953.0
968.1
993.1
991.4
20
Large time
140.7
144.5
151.2
157.4
158.8
21
Other
801.1
808.5
816.9
835.7
832.6

1,373.3

1,389.7

1,329.8
1,331.8
1,372.4
1,371.0
1,343.1

393.8

406.9

390.3

443.4
394.7

403.4
372.9

979.5

982.8

982.2

886.5
976.3

928.4
970.2

153.7

152.7

153.4

124.9
152.6

136.5
154.3

825.8

830.0

828.8

761.5
823.7

791.9
815.9

421.7

441.0
434.9

427.0
429.6

181.1

189.3
183.9

183.2
179.7

240.6

251.6
251.1

243.9
249.9

86.9
78.0

71.2
77.7

123.3
158.1

123.6
155.3

22 Borrowings
414.5
424.0
399.9
409.0
409.7
420.1
419.3
23
From banks in the U.S.
177.8
180.1
167.1
176.9
182.9
178.5
180.5
24
From others
236.7
243.9
232.8
232.2
226.7
241.6
238.8
25
Net due to related foreign offices
67.8
65.0
74.8
66.2
63.4
70.5
70.5

69.7

26 Other liabilities
124.6
127.2
141.9
158.6
166.4

149.5

149.6

153.3

27 TOTAL LIABILITIES
1,939.8
1,960.7
1,968.8
2,018.1
2,008.4

1,998.0

2,012.4

1,981.0
1,953.7
2,017.0
2,042.1
2,005.7

28 Residual (assets less liabilities) (7)
218.8
219.9
218.0
218.4
218.9
220.8
221.8

218.6

MEMO
Reval. gains on off-bal. sheet itens(8)
--32.4
33.1
36.2
47.3
53.8
55.4
30 Reval. losses on off-bal. sheet itens (8)
--28.9
28.9
31.8
43.9
48.5
50.9
31 Mortgage-backed securities (9)
--186.7
188.1
190.9
192.7
193.3
193.2
29

211.0
219.5

218.5
220.0

-53.4

-50.7

-50.6

-46.6

-194.1

-194.3

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

Sep
Feb 12

Oct

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

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

1
Bank credit
1,421.9
1,428.4
1,452.1
1,453.0
2
417.8
417.0
3
337.6
335.5
4
80.1
81.5

Nov

1,430.3

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

1996

1997

Dec

Jan

--------

--------

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

1,436.2

1,442.2

1,362.2
1,414.1
1,452.2
1,452.1
1,455.3

413.7

417.5

406.9
416.7

417.5
418.6

333.4

335.8

328.4
335.0

337.8
337.0

80.4

81.7

78.5
81.6

79.7
81.6

(2)
1,028.5

1,034.7

955.3
1,035.5

996.5
1,036.7

185.1

186.0

171.1
186.0

178.9
186.7

532.2

537.9

489.9
538.1

515.4
539.7

30.4

30.8

26.4
30.8

26.9
30.9

501.8

507.1

463.5
507.3

488.5
508.8

240.0

239.0

225.4
239.3

233.2
238.4

5.2

5.1

5.7
5.1

5.1
5.0

66.1

66.8

63.3
67.0

64.0
66.9

Securities in bank credit
417.2
415.0
413.5
416.5
U.S. government securities
337.0
334.7
333.2
334.8
Other securities
80.1
80.3
80.3
81.7

5
Loans and leases in bank credit
1,004.1
1,011.2
1,015.3
1,022.6
1,035.2
1,036.5
6
Commercial and industrial
179.9
181.4
181.9
183.4
187.1
187.6
7
Real estate
519.8
523.3
524.6
528.6
540.3
541.3
8
Revolving home equity
27.3
27.8
29.5
29.9
31.1
31.0
9
Other
492.5
495.5
495.1
498.6
509.2
510.3
10
Consumer
234.8
236.3
239.2
240.1
234.7
234.5
11
Security (3)
5.1
5.2
5.0
5.1
5.3
5.2
12
Other loans and leases
64.5
65.0
64.6
65.4
67.8
67.9

Jan 22

13
49.4
57.0

Interbank loans
51.2
51.0
56.1

53.6

55.0

54.5

60.9
54.9

47.7
53.2

14
65.4
69.4

Cash assets (4)
66.6
68.2
71.3

69.4

70.4

69.7

64.7
74.2

64.4
68.2

15
56.2
59.1

Other assets (5)
57.4
57.2
58.3

16 TOTAL ASSETS (6)
1,572.0
1,582.7
1,585.8
1,616.5
1,617.7

49.0
59.4

55.5
59.0

57.9

58.5

58.3

1,596.1

1,605.2

1,516.8
1,560.9
1,613.5
1,619.5
1,614.6

1,251.1

1,264.0

1,191.8
1,218.8
1,279.6
1,284.9
1,272.9

321.8

322.6

321.8

334.3
327.1

323.0
320.1

929.4

941.4

957.8

857.5
957.8

895.8
952.9

146.2

147.9

149.6

145.8
149.8

150.9
150.0

783.1

793.5

808.2

711.7
808.0

744.9
802.9

167.7

137.5
169.4

155.4
171.9

86.4

75.9
87.1

79.2
89.4

81.2

61.6
82.4

76.2
82.5

4.0

6.1
4.0

5.7
4.3

31.8
24.3

27.8
25.4

L I A B I L I T I E S
17 Deposits
1,231.6
1,240.6
1,229.3
1,291.2
1,294.2
18
Transaction
322.5
322.9
317.7
322.1
327.6
19
Nontransaction
909.1
917.7
911.5
969.0
966.6
20
Large time
152.4
152.3
143.6
150.5
149.9
21
Other
756.7
765.4
768.0
818.6
816.6

22 Borrowings
161.0
162.9
164.3
165.1
165.2
169.3
172.2
23
From banks in the U.S.
82.7
83.8
86.4
86.4
84.0
87.5
89.9
24
From others
78.3
79.1
77.9
78.7
81.1
81.8
82.3
25
Net due to related foreign offices
4.4
5.9
3.4
2.2
2.7
4.3
4.3
26
27.1
23.7

Other liabilities
26.9
28.1
23.5

27 TOTAL LIABILITIES
1,424.1
1,436.3
1,425.1
1,488.4
1,494.2

27.1

26.0

24.5

1,445.5

1,457.9

1,367.2
1,407.6
1,475.8
1,482.6
1,474.6

28 Residual (assets less liabilities) (7)
147.9
146.4
160.7
150.6
147.3
128.1
123.5

137.7

149.6
136.8

153.3
140.0

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

1996

1996

1996

1996

1997

Sep
Feb 12

Oct

Nov

Dec

Jan

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

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

--------

--------

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

1,437.7

1,445.0

1,360.1
1,414.5
1,450.3
1,449.4
1,450.5

413.3

416.1

405.4
415.9

416.8
416.5

332.9

334.5

327.1
334.4

337.0
335.0

80.4

81.5

78.3
81.5

79.7
81.4

(2)
1,031.7

1,034.2

954.7
1,033.5

997.8
1,034.0

184.6

186.0

171.1
185.9

178.9
186.5

534.1

537.5

489.4
537.5

515.9
538.7

30.4

30.7

26.3
30.7

26.9
30.7

503.6

506.8

463.1
506.9

488.9
508.0

240.9

239.9

226.3
240.0

233.0
239.5

5.4

5.2

5.8
5.1

4.9
4.9

66.7

65.6

62.1
65.0

65.1
64.5

1
Bank credit
1,421.4
1,432.4
1,447.4
1,448.3
2
415.9
414.7
3
336.0
333.6
4
79.9
81.1

1,432.8

Securities in bank credit
417.5
413.9
411.9
415.4
U.S. government securities
337.5
333.6
331.5
334.1
Other securities
80.0
80.3
80.4
81.3

5
Loans and leases in bank credit
1,005.6
1,014.9
1,018.9
1,025.8
1,032.7
1,032.9
6
Commercial and industrial
178.6
180.4
181.4
182.7
186.8
187.0
7
Real estate
520.9
525.4
526.8
530.8
538.3
539.0
8
Revolving home equity
27.4
28.1
29.7
30.1
30.8
30.9
9
Other
493.5
497.3
497.1
500.7
507.5
508.1
10
Consumer
234.9
237.3
239.8
240.8
236.0
235.9
11
Security (3)
5.1
5.1
4.9
5.3
5.5
5.4
12
Other loans and leases
66.0
66.6
66.0
66.1
66.1
65.6

Jan 22

Week ending
Jan
Jul
Jan 29
Feb 5

13
48.4
61.4

Interbank loans
49.5
51.3
59.2

58.4

58.0

55.8

62.3
53.4

45.0
50.3

14
63.1
68.2

Cash assets (4)
65.1
69.3
67.9

72.1

74.3

71.8

67.1
75.8

64.0
66.9

15
56.3

Other assets (5)
57.9
56.9

58.4

59.1

59.2

49.9
58.9

55.4
60.1

Aug

62.1

58.9

16 TOTAL ASSETS (6)
1,568.4
1,584.0
1,589.5
1,618.1
1,613.4

1,615.4

1,519.5
1,558.3
1,616.1
1,616.5
1,606.8

1,258.8

1,277.4

1,190.1
1,215.4
1,277.1
1,274.3
1,255.6

325.4

333.8

325.6

338.6
325.1

320.7
312.9

933.3

943.6

951.6

851.5
949.2

894.7
942.7

146.6

147.0

148.3

144.5
148.5

150.1
149.3

786.8

796.6

803.2

707.0
800.7

744.6
793.4

169.4

139.8
173.6

155.0
173.1

86.2

76.4
88.9

80.6
88.3

83.2

63.5
84.7

74.4
84.7

4.0

6.1
4.0

5.7
4.3

32.1
24.5

28.0
25.8

1,605.8

L I A B I L I T I E S
17 Deposits
1,228.8
1,242.8
1,231.6
1,285.2
1,281.0
18
Transaction
319.1
322.2
318.2
322.5
321.9
19
Nontransaction
909.6
920.5
913.3
962.7
959.0
20
Large time
152.2
152.1
144.0
150.6
150.6
21
Other
757.5
768.4
769.4
812.2
808.5

22 Borrowings
159.1
162.5
164.5
163.6
164.7
166.2
166.9
23
From banks in the U.S.
82.5
84.6
85.9
84.7
83.5
84.3
84.2
24
From others
76.6
78.0
78.6
79.0
81.2
81.9
82.7
25
Net due to related foreign offices
4.4
5.9
3.4
2.2
2.7
4.3
4.3
26
27.2
24.2

Other liabilities
26.6
28.1
24.1

27 TOTAL LIABILITIES
1,419.5
1,437.7
1,427.5
1,479.9
1,476.3

27.0

25.5

24.7

1,451.5

1,470.4

1,368.1
1,404.0
1,475.2
1,476.5
1,458.8

MEMO
28 Residual (assets less liabilities) (7)
148.9
146.3
162.0
154.3
144.9
138.2
137.1
31 Mortgage-backed securities (9)
--49.7
50.2
51.5
52.7
52.7

140.8
53.1

151.5
140.0
-53.5

154.4
147.9
-53.1

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

Sep
Feb 12

Oct

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

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

1
Bank credit
464.4
467.6
533.6
539.4

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

1997

Dec

Jan

--------

--------

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

497.1

510.3

522.3

442.3
525.6

466.6
526.8

167.4

171.9

140.8
174.5

148.2
175.3

89.2

83.1

63.2
81.3

80.0
82.5

78.2

88.8

77.7
93.2

68.2
92.8

(2)
342.9

350.4

301.5
351.0

318.3
351.5

217.4

219.9

182.7
220.2

194.2
220.3

32.5

32.5

35.2
32.3

33.1
32.8

35.4

37.2

33.1
37.9

32.0
38.2

57.6

60.7

50.5
60.6

59.1
60.3

Nov

1996

481.9

2
147.5
177.1
3
80.9
84.5
4
66.6
92.5

Securities in bank credit
146.5
149.4
159.7
181.3
U.S. government securities
82.9
83.1
88.0
86.8
Other securities
63.6
66.3
71.7
94.6

5
316.9
356.5
6
194.3
220.8
7
33.1
32.9
11
29.8
39.7
12
59.7
63.1

Loans and leases in bank credit
321.0
332.4
337.4
358.1
Commercial and industrial
200.7
207.1
211.0
221.9
Real estate
32.8
32.9
32.8
32.9
Security (3)
29.1
32.7
34.5
39.2
Other loans and leases
58.4
59.8
59.2
64.1

Jan 22

13
16.4
22.3

Interbank loans
20.3
20.9
22.4

20.9

22.8

23.8

23.1
23.1

19.2
26.3

14
28.5
32.7

Cash assets (4)
29.5
29.8
33.5

31.1

31.4

31.9

30.6
31.5

28.1
32.4

15
43.7
42.0

Other assets (5)
41.1
33.9
42.5

36.5

37.4

39.4

49.1
40.3

42.8
39.7

585.4

601.8

617.2

545.0
620.2

556.6
625.0

16 TOTAL ASSETS (6)
553.0
558.3
566.3
630.4
637.7
L I A B I L I T I E S

17 Deposits
180.3
186.0
197.8
238.8
243.3
18
Transaction
10.5
9.7
10.5
10.1
10.0
19
Nontransaction
169.8
176.2
187.3
228.7
233.3
20
Large time
166.7
172.9
184.7
225.3
225.8
21
Other
3.1
3.4
2.6
3.4
7.5

166.5
225.8

179.5
235.7

10.8
11.1

10.6
10.9

220.0

155.7
214.6

168.9
224.7

206.5

217.1

150.6
213.0

165.3
222.8

4.0

2.8

5.2
1.7

3.6
1.9

113.7
135.0

123.0
139.6

31.3

29.6
33.8

30.8
32.5

100.1

84.1
101.2

92.2
107.1

176.2
143.9

178.2
141.0

78.5
93.8

71.8
94.4

534.9
598.5

552.6
610.7

205.0

221.2

230.9

10.6

10.8

10.9

194.4

210.4

190.9
3.6

22 Borrowings
128.6
122.8
118.7
128.3
125.4
142.1
141.7
23
From banks in the U.S.
34.6
34.0
33.4
35.5
36.2
38.7
35.2
24
From others
94.1
88.8
85.3
92.8
89.2
103.3
106.5
25
Net due to related foreign offices
173.2
176.3
167.3
166.1
160.4
142.3
138.6
26
69.4
98.9

Other liabilities
68.7
74.8
107.1

27 TOTAL LIABILITIES
551.5
553.8
558.6
622.1
630.6
28
1.5
8.3

131.5

147.4

80.1

83.4

91.3

579.5

590.4

601.0

Residual (assets less liabilities) (7)
4.6
7.6
5.9
11.4
7.0

16.2

10.1
21.7

4.0
14.3

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

Sep
Feb 12

Oct

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

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

1
Bank credit
467.9
466.2

Nov

480.5

1996
1996
1996
Week ending
Jan
Jul
Aug
Jan 29
Feb 5

1996

1997

Dec

Jan

--------

--------

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

496.7

506.1

519.3

Jan 22

441.4
520.4

468.0
525.7

534.5
2
150.7
177.1
3
82.4
86.5
3a
-19.8
3b
-66.7
4
68.3
90.6
4a
-67.7
4b
-22.9
5
317.2
357.4
6
194.4
220.9
7
33.1
33.0
11
29.8
39.7
12
59.8
63.8

542.5
Securities in bank credit
145.4
149.3
159.4
160.9
183.6
U.S. government securities
81.9
82.6
88.0
86.7
88.9
Trading account
-18.8
22.0
20.2
21.9
Investment account
-63.7
66.0
66.5
67.0
Other securities
63.5
66.7
71.4
74.2
94.7
Trading account
-48.2
52.3
55.0
71.4
Investment account
-18.5
19.1
19.2
23.3
Loans and leases in bank credit (2)
320.8
331.3
337.3
345.2
358.9
Commercial and industrial
199.5
205.9
210.8
217.8
222.6
Real estate
32.9
33.1
33.2
32.7
33.0
Security (3)
29.1
32.7
34.5
35.4
39.2
Other loans and leases
59.3
59.7
58.8
59.3
64.1

167.8
84.1

139.1
169.1

148.4
173.6

64.4
83.2

79.0
84.7

17.0

-15.9

-17.6

67.1

-67.3

-67.1

83.8

74.7
85.9

69.3
88.9

61.4

-63.4

-66.2

22.4

-22.5

-22.7

351.4

302.3
351.4

319.6
352.1

219.8

182.7
219.7

195.2
220.3

32.5

35.2
32.3

32.9
32.6

37.2

33.1
37.9

32.0
38.2

61.9

51.4
61.5

59.5
61.1

13
16.4
22.3

Interbank loans
20.3
20.9
22.4

20.9

22.8

23.8

23.1
23.1

19.2
26.3

14
28.5
32.6

Cash assets (4)
28.8
30.1
32.8

31.3

32.5

32.3

30.9
31.8

28.2
32.6

15
44.5
42.7

Other assets (5)
41.5
33.6
43.9

36.8

38.2

38.6

48.2
38.8

42.0
39.2

585.5

599.4

613.8

543.6
613.9

557.3
623.6

166.8

177.5

16 TOTAL ASSETS (6)
557.3
556.8
565.0
631.8
641.4
L I A B I L I T I E S
17

Deposits

178.8
236.8
18
10.3
10.5
19
168.5
226.3
20
166.2
220.1
21
2.3
6.2

185.6
203.2
240.3
Transaction
10.1
10.6
10.2
Nontransaction
175.4
192.6
230.1
Large time
173.2
190.4
220.7
Other
2.3
2.2
9.5

207.6

223.9

231.0

10.6

11.5

11.0

197.0

212.5

194.8
2.3

10.6
10.9

220.0

156.0
215.8

166.9
224.9

209.9

215.1

149.4
211.1

163.9
219.8

2.6

5.0

6.6
4.8

3.0
5.0

110.9
131.8

130.6
133.6

32.6

30.8
33.0

32.2
33.7

96.0

80.1
98.8

98.3
100.0

184.3
155.3

175.0
150.8

77.9
92.3

70.2
95.6

539.8
606.2

553.3
615.8

3.8
7.7

4.0
7.7

128.6

156.1

26 Other liabilities
69.8
68.6
73.2
101.1
110.5

80.8

82.0

90.5

27 TOTAL LIABILITIES
553.3
552.4
559.0
623.9
634.8

579.0

592.4

606.1

29

-45.1
30
-45.3

235.7

10.8
11.0

22 Borrowings
133.6
123.9
115.3
124.9
124.4
139.6
137.6
23
From banks in the U.S.
35.1
33.3
30.9
35.6
37.0
38.5
34.2
24
From others
98.5
90.6
84.4
89.3
87.4
101.1
103.4
25
Net due to related foreign offices
171.2
174.3
167.3
165.8
162.0
146.4
146.4

28
3.9
7.9

226.9

Residual (assets less liabilities) (7)
4.4
6.0
6.5
7.1
6.6

7.7

MEMO
Reval. gains on off-bal. sheet items (8)
-29.9
32.4
33.4
41.1
49.3
Reval. losses on off-bal. sheet items (8)
-29.4
31.6
32.6
40.3
49.8

-43.2

-44.4

-42.8

-43.9

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 February 12, 1997.
Federa
l Reserve Distict
National
___________________________________________________________

York

Philadelphia
Cleveland Richmond
ASSETS
1 Bank credit
341.9
102.4
163.3
182.7
2
Securities in bank credit (14)
3
3a
3b
78.4
3c
57.8
3d
20.5
3e
3.7
3f
11.2
3g
5.6
4
4a
4b
20.3
4c
7.3
4d
13.0
5
243.2
6
64.6
6a
0.7
6b
63.9
7
96.1
8
7.7
9a
60.9
9b
27.5
10
35.3
11
15.2
11a
6.4
11b
8.8
12a

total
Atlanta
207.7

281.5

Trading account (14)

Trading account (14)

93.2

424.6

U.S. government securities (14)

Investment account
5.0
24.3
29.7
Mortgage-backed
2.0
18.9
17.8
Other
3.0
5.4
11.9
1 year or less
0.9
0.7
3.5
Between 1 and 5 years
1.7
3.7
7.5
More than 5 years
0.4
1.0
0.9
Other securities (14)

1,848.3

Boston

17.3
29.2
18.0
11.2
2.3
6.1
2.8

264.2

16.6

173.8

7.1

90.4

9.4

24.1

3.5

51.6

5.2

14.7

0.7

143.1
77.8

Investment account
65.3
2.3
5.9
4.4
8.1
State and local government
21.1
0.6
0.8
1.0
2.0
Other
44.2
1.6
5.2
3.4
6.1
Loans and leases in bank credit (2)
1,423.7
95.1
133.1
148.6
170.4
Commerical and industrial
386.7
15.1
38.4
35.2
38.5
Bankers accep and commercial paper
1.5
0.0
0.0
0.1
0.0
Other
385.2
15.1
38.4
35.2
38.5
Real estate
565.4
29.1
48.3
75.1
82.3
Revolving home equtiy
55.0
3.3
5.7
6.9
5.9
Other residential
328.9
21.2
28.1
46.5
48.1
Commercial
181.5
4.6
14.4
21.7
28.3
Consumer
283.8
44.2
31.1
19.1
36.9
Security (3)
40.4
0.1
0.9
4.7
1.4
Fed funds and RPs with broker/dealer
24.5
0.0
0.0
4.5
1.0
Other
15.9
0.1
0.9
0.2
0.4
State and local government
10.9

5.5
1.9
3.6
71.1
27.0
0.1
26.9
19.8
3.1
8.7
8.0
7.1
8.4
7.9
0.4
0.2

New

1.5
12b
0.1
12c
2.6
12d
14.6
12e
13.1
13
48.2
13a
29.1
13b
19.1
14
25.5
15
121.7
16
525.3

0.7
1.2
1.9
Agricultural
0.1
0.2
0.5
Fed funds and RPs with others
0.0
0.0
1.0
All other loans
1.4
3.2
4.8
Lease financing receivables
4.4
9.7
6.1
Interbank loans
3.2
8.1
10.9
Fed funds and RPs with banks
3.1
5.0
7.8
Other
0.1
3.1
3.1
Cash assets(4)
4.6
8.1
8.4
Other assets (12)
13.8
13.2
31.4
TOTAL ASSETS (6)
121.9
189.9
231.1

2.1
0.4
0.4
3.4
5.0
12.0
10.8
1.1
12.6
15.0
244.3

7.4

0.0

5.6

0.5

57.5

3.4

66.0

4.8

127.3

5.3

79.5

2.6

47.7

2.7

121.9

6.4

196.2

17.6

2,257.9

120.9

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 February 12, 1997.
Federa

l Reserve Distict
National
___________________________________________________________
total
York
Philadelphia Cleveland Richmond
Atlanta
17
270.6
18
68.1
19
202.5
20
42.9
21
159.6
22
83.3
23
22.9
24
60.4
26
105.0
27
458.9

Deposits
68.1
Transaction
14.4
Nontransaction
53.7
Large time
12.2
Other
41.4
Borrowings
32.4
From banks in
16.3
From others
16.2
Other liabilities
9.5
TOTAL LIABILITIES
110.1

28
66.3

Residual (assets less liabilities (13)
11.8
14.4
15.9

119.5

124.2

172.0

26.8

26.9

35.4

92.7
10.2
82.5

97.3
15.0
82.3

136.6
19.3
117.4

43.4
the US
17.7

56.6

37.6

25.7

21.2

25.7
(13)
12.5

30.9

16.5

34.4

13.6

175.4

215.2

223.2
21.1

Boston

1,352.2

65.2

360.8

21.7

991.4

43.5

158.8

6.7

832.6

36.7

419.3

31.3

180.5

10.2

238.8

21.2

264.6

13.8

2,036.1

110.3

221.8

10.6

New

29

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

55.4

30

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

50.9

31 Mortgage-backed securities (9)
62.2
3.2
20.5
19.1
31a
Pass-through
49.4
1.7
12.7
15.8
31b
CMO, REMIC and other
12.8
1.5
7.9
3.2
32 Net unrealized ganis (losses)
33

22.0
13.7
8.2

193.2

7.8

134.6

5.7

58.6

2.1

2.8

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

31.4

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 February 12, 1997.
Federa
l Reserve Distict

_______________________________

_______________________________________
Kansac City
Dallas
San Francisco
ASSETS
1 Bank credit
39.7
25.0
70.1
297.8
2
Securities in bank credit (14)

Chicago

St.Louis

Minneapolis

3
3a
3b
2.6
3c
2.0
3d
0.6
3e
0.1
3f
0.2
3g
0.3
4
4a
4b
0.6
4c
0.2
4d

189.0

40.5

26.1

6.7

12.5

4.1

13.6

2.6

6.5

0.5

5.6

1.6

1.5

0.4

6.6

1.1

3.6

0.7

3.0

0.3

U.S. government securities (14)
Trading account (14)
Investment account (14)
5.6
11.9
28.2
Mortgage-backed
4.1
9.8
19.7
Other
1.5
2.1
8.6
1 year or less
0.4
0.2
1.7
Between 1 and 5 years
1.1
1.7
5.8
More than 5 years
0.0
0.3
1.0
Other securities (14)
Trading account (14)
Investment accout (14)
0.8
2.2
7.5
State and local government
0.6
0.7
1.7
Other

0.4
5
36.5
6
8.4
6a
0.0
6b
8.4
7
8.9
8
0.4
9a
6.2
9b
2.3
10
15.2
11
1.2
11a
0.7
11b
0.5
12a
0.1
12b
0.2
12c
0.0
12d
1.5
12e
0.9
13
3.9
13a
3.4
13b
0.5
14
2.4
15
2.9
16
48.1

0.2
1.6
5.8
Loans and leases in bank credit (2)
18.6
55.9
262.1
Commerical and industrial
5.1
24.9
54.9
Bankers accep and commercial paper
0.0
0.0
0.4
Other
5.1
24.9
54.5
Real estate
6.8
14.9
120.2
Revolving home equtiy
0.4
0.3
15.0
Other residential
3.4
10.0
63.2
Commercial
2.9
4.6
42.0
Consumer
4.6
9.8
51.7
Security (3)
0.0
0.5
2.2
Fed funds and RPs with broker/dealer
0.0
0.2
1.2
Other
0.0
0.3
1.0
State and local government
0.1
0.1
1.4
Agricultural
0.5
0.2
4.5
Fed funds and RPs with others
0.0
0.3
0.3
All other loans
1.2
4.0
11.8
Lease financing receivables
0.3
1.3
15.0
Interbank loans
1.9
6.5
16.8
Fed funds and RPs with banks
1.6
1.2
5.1
Other
0.3
5.3
11.7
Cash assets(4)
2.8
10.5
23.4
Other assets (12)
1.3
6.9
42.1
TOTAL ASSETS
30.7
93.1
373.7

156.3

32.8

66.1

8.5

0.2

0.0

65.9

8.5

48.6

15.2

4.9

1.3

22.3

10.2

21.4

3.7

23.7

5.2

3.9

1.8

0.8

1.6

3.0

0.3

1.2

0.2

0.4

0.1

0.5

0.0

7.5

0.8

4.4

0.9

7.0

3.5

6.5

3.4

0.6

0.1

14.1

3.1

22.1

3.3

229.2

49.8

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 February 12, 1997.
Federa

l Reserve Distict
_______________________________________

_______________________________
Chicago

St.Louis

Minneapolis

Kansas City

Dallas

San Francisco

17
21.6
18
6.5
19
15.1
20
1.4
21
13.7
22
17.3
23
13.5
24
3.8
26
5.0

Deposits
23.7
66.4
Transaction
6.2
20.1
Nontransaction
17.5
46.3
Large time
1.5
4.6
Other
16.0
41.7
Borrowings
3.6
12.9
From banks in the US
2.1
5.0
From others
1.5
7.9
Other liabilities (13)
1.1
5.7

27
43.9

TOTAL LIABILITIES
28.4

28
4.2

Residual (assets less liabilities (13)
2.3
8.1
41.9

85.0

255.1
91.2
163.9
24.6
139.4
43.4
20.0
23.5

331.8

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

30

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

33

29.4

37.3

6.2

99.0

23.2

17.8

2.6

81.2

20.7

43.5

13.9

15.9

10.2

27.6

3.8

27.6

3.0

207.5

46.4

21.7

3.5

14.4

4.2

7.4

1.8

7.1

2.5

33.3

29

31 Mortgage-backed securities (9)
2.1
4.1
10.7
31a
Pass-through
1.8
3.1
8.7
31b
CMO, REMIC and other
0.3
1.1
2.0
32 Net unrealized ganis (losses)

136.3

23.0
12.9
10.1

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.
NOTE: Large domestically chartered commercial banks acquired $500 million in
assets and liabilities of thrift institutions in the week
ending February 12, 1997. The major asset items affected were Fed funds and RPs
with banks in the U.S., $200 million;
real estate loans, other residential, $200 million; and other assets, $100

million. The major liability items affected were nontransaction accounts,
$300 million; and residual (assets less liabilities), $100 million. They also
acquired $700 million in assets and liabilities of thrift
institutions in the week ending February 5, 1997. The major asset items affected
were real estate loans, commercial, $200 million;
and real estate loans, other residential, $500 million. The major liability items
affected were nontransaction accounts, $100 million; borrowings
from banks in U.S., $300 million; borrowings from non-banks in the U.S., $200
million; and other liabilities, $100 million.