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
April 25, 1997
Account
1997

1996

1996

Nov
Apr 16

Dec

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

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

1
Bank credit
3,718.1
3,744.3
3,887.3
3,905.2

Jan

3,772.4

1997

Feb

Mar

--------

--------

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

3,807.5

3,846.4

3,643.5
3,692.9
3,867.9
3,885.9
3,870.1

2
Securities in bank credit
969.3
980.1
989.5
1,004.8
1,020.5
1,032.3
1,038.2
3
U.S. government securities
703.2
707.0
706.2
706.3
703.4
719.2
720.2
4
Other securities
266.1
273.1
283.2
298.5
317.2
313.1
317.9
5
Loans and leases in bank credit
2,748.8
2,764.2
2,782.9
2,802.7
2,854.9
2,867.1
6
Commercial and industrial
770.6
774.7
784.0
787.3
804.0
812.3
7
Real estate
1,115.5
1,121.5
1,127.8
1,134.3
1,160.1
1,159.7
8
Revolving home equity
83.3
84.3
85.4
85.8
88.8
89.1
9
Other
1,032.2
1,037.2
1,042.4
1,048.5
1,071.3
1,070.5
10
Consumer
519.4
521.5
522.6
523.1
518.4
518.9
11
Security (3)
76.9
77.9
79.7
83.4
86.7
87.9
12
Other loans and leases
266.4
268.6
268.8
274.7
285.7
288.4
13 Interbank loans
204.6
212.2
204.0
211.5
213.3

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

1997

197.7

Mar 26

1,014.1

988.5
1,020.0

968.8
1,018.6

707.3

703.3
711.4

703.2
714.9

306.9

285.2
308.6

265.6
303.7

(2)
2,825.9

2,655.0
2,724.0
2,853.8
2,865.9
2,851.5

797.0

802.6

1,140.2

1,096.1
1,112.0
1,153.6
1,154.6
1,157.4

86.6

87.9

1,053.6

1,016.4
1,030.8
1,065.7
1,066.5
1,069.0

522.8

521.5

84.7

88.8

281.2

203.8

724.9
806.3

79.7
88.1

761.1
800.2

81.2
88.4

500.8
522.9

515.9
518.8

85.3
92.2

73.8
85.2

287.3

247.9
289.8

261.3
289.8

219.5

206.1
225.5

205.4
223.0

14 Cash assets (4)
226.1
232.7
230.9
243.2
231.2

231.1

231.0

236.3

216.8
240.3

224.2
235.3

15 Other assets (5)
253.4
259.8
269.4
287.6
289.1

263.5

275.3

285.1

236.6
284.6

260.0
285.0

16 TOTAL ASSETS (6)
4,345.4
4,392.3
4,420.1
4,573.2
4,582.7

4,443.7

4,500.6

4,246.2
4,325.1
4,552.8
4,580.5
4,556.8

2,846.4

2,872.0

2,697.6
2,771.9
2,906.4
2,909.7
2,928.1

709.7

701.0

698.5

2,136.7

2,171.0

1,932.1
2,046.7
2,207.9
2,195.0
2,234.5

518.7

535.2

541.8

1,618.0

1,635.8

1,502.1
1,575.0
1,666.0
1,652.8
1,688.9

L I A B I L I T I E S
17 Deposits
2,774.2
2,804.8
2,832.0
2,936.7
2,957.8
18
Transaction
712.7
715.1
712.9
683.9
695.5
19
Nontransaction
2,061.5
2,089.7
2,119.1
2,252.8
2,262.3
20
Large time
479.6
489.4
507.7
560.1
558.7
21
Other
1,581.9
1,600.3
1,611.4
1,692.6
1,703.6

22 Borrowings
690.0
709.8
707.8
728.7
744.4
769.2
766.0
23
From banks in the U.S.
292.7
304.1
307.9
303.4
308.8
325.1
310.3
24
From others
397.3
405.7
399.9
425.3
435.6
444.1
455.7
25
Net due to related foreign offices
244.2
238.1
231.4
222.9
218.7
215.4
214.1

765.5
714.7

430.0
542.2

725.2
693.6

471.7
545.6

760.7

695.9
770.5

706.8
744.1

317.1

297.6
314.1

296.1
303.9

443.6

398.3
456.5

410.8
440.3

210.4

256.7
202.3

251.0
212.8

227.6
273.2

221.4
267.8

26 Other liabilities
242.7
253.7
262.7
273.7
262.7

272.0

289.8

280.4

27 TOTAL LIABILITIES
3,951.1
4,006.4
4,033.9
4,195.0
4,200.5

4,070.0

4,124.9

3,877.7
3,951.1
4,157.9
4,155.7
4,152.8

28 Residual (assets less liabilities) (7)
394.3
385.9
386.1
373.7
375.6
378.2
382.2
H.8 (510)

pg.2

394.9

368.5
424.8

374.0
403.9

ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
Account
1997

1996

1996

Nov
Apr 16

Dec

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

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

1
Bank credit
3,719.7
3,748.6
3,882.9
3,907.7

Jan

3,771.3

1997

Feb

Mar

--------

--------

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

3,805.8

3,839.3

3,633.6
3,695.3
3,858.5
3,862.3
3,866.9

2
Securities in bank credit
969.2
978.8
975.5
995.9
1,017.1
1,038.2
1,040.4
3
U.S. government securities
703.8
707.4
702.1
700.3
702.1
723.1
724.1
4
Other securities
265.4
271.4
273.5
295.6
315.0
315.1
316.3
5
Loans and leases in bank credit
2,750.6
2,769.8
2,795.8
2,809.9
2,844.7
2,867.3
6
Commercial and industrial
767.0
772.8
781.0
785.0
808.1
819.6
7
Real estate
1,118.7
1,125.8
1,132.6
1,136.3
1,155.3
1,156.1
8
Revolving home equity
83.9
84.7
85.5
85.8
87.6
88.3
9
Other
1,034.8
1,041.0
1,047.1
1,050.5
1,067.7
1,067.8
10
Consumer
519.6
522.0
527.4
528.7
513.8
516.1
11
Security (3)
76.7
79.3
81.0
82.6
85.1
90.0
12
Other loans and leases
268.6
270.0
273.9
277.3
282.4
285.6
13 Interbank loans
199.4
216.5
213.3
216.2
216.4
14 Cash assets (4)
227.1
239.7
246.9

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

1997

Mar 26

1,016.9

990.2
1,015.5

969.5
1,023.1

711.9

707.0
715.0

704.3
719.6

305.1

283.2
300.4

265.2
303.5

(2)
2,822.1

2,643.5
2,725.8
2,841.6
2,846.8
2,843.8

796.6

805.2

1,137.2

1,090.5
1,115.1
1,147.7
1,147.7
1,152.2

86.2

87.1

1,050.9

1,011.5
1,033.2
1,060.6
1,060.6
1,064.8

523.5

516.9

85.8

88.4

279.1

207.5

241.5

727.3
807.8

79.0
87.1

756.0
806.5

81.8
87.4

496.5
517.8

518.0
514.1

85.0
90.2

73.0
82.6

283.4

244.1
283.3

263.6
288.5

208.2

216.0

203.2
210.7

199.7
223.8

232.2

227.3

208.7
223.3

221.5
233.0

232.0

232.4

15 Other assets (5)
250.8
258.6
269.4
282.7
286.3

264.1

275.1

280.3

232.7
277.4

262.5
283.6

16 TOTAL ASSETS (6)
4,340.4
4,406.6
4,444.2
4,557.8
4,586.6

4,462.9

4,498.8

4,221.5
4,321.3
4,526.1
4,518.0
4,551.1

2,850.3

2,857.2

2,685.3
2,772.4
2,895.2
2,873.6
2,939.8

721.0

694.1

686.3

2,129.3

2,163.1

1,932.9
2,048.8
2,208.8
2,192.3
2,237.4

515.4

533.1

541.3

1,613.9

1,630.0

1,503.0
1,579.0
1,667.5
1,650.3
1,694.4

L I A B I L I T I E S
17 Deposits
2,779.0
2,821.8
2,863.9
2,947.3
2,971.3
18
Transaction
710.4
725.2
745.8
690.4
715.2
19
Nontransaction
2,068.6
2,096.5
2,118.1
2,256.8
2,256.1
20
Large time
485.0
493.9
507.8
552.8
552.7
21
Other
1,583.6
1,602.6
1,610.3
1,704.0
1,703.3

22 Borrowings
682.4
699.5
700.1
723.0
728.5
750.6
768.3
23
From banks in the U.S.
286.1
297.9
302.6
297.6
296.8
313.1
312.1
24
From others
396.3
401.7
397.5
425.4
431.7
437.5
456.2
25
Net due to related foreign offices
245.8
235.2
230.1
233.3
229.4
204.0
204.0

752.4
681.4

429.9
542.0

723.7
702.4

469.7
543.0

740.5

679.3
752.6

711.1
748.7

305.1

289.5
307.7

298.5
316.2

435.4

389.8
444.9

412.6
432.5

219.3

262.3
227.0

245.2
214.9

226.3
268.1

222.0
267.0

26 Other liabilities
241.8
257.5
258.6
274.2
262.6

269.3

291.8

278.6

27 TOTAL LIABILITIES
3,949.0
4,013.9
4,052.7
4,176.0
4,206.1

4,075.9

4,106.9

3,853.3
3,950.6
4,133.5
4,121.3
4,170.4

28 Residual (assets less liabilities) (7)
391.4
392.7
391.5
387.1
391.9
381.7
380.5
29
62.4
96.4
30

MEMO
Reval. gains on off-bal. sheet items (8)
65.5
69.6
89.1
102.8
93.2
Reval. losses on off-bal. sheet items (8)

392.6

92.0

368.2
396.7

-89.6
--

370.6
380.7

-86.2
--

58.3
90.4

60.4
89.0

64.3

84.8

98.1

86.3

82.2

80.3

H.8 (510)
pg.3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED
STATES (1)
Seasonally adjusted, billions of dollars
Account
1997

1996

1996

Nov
Apr 16

Dec

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

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

1
Bank credit
3,237.6
3,250.5
3,359.2
3,365.7
2
820.7
856.9
3
620.6
632.5
4
200.1
224.4

Jan

3,267.3

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

1997

1997

Feb

Mar

--------

--------

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

3,290.5

3,313.7

3,198.3
3,225.4
3,339.7
3,350.7
3,351.4

843.9

841.9

845.0
842.2

822.3
845.0

618.2

624.0

634.1
627.4

620.3
628.2

225.7

217.9

210.9
214.8

202.0
216.8

Securities in bank credit
822.3
825.1
834.6
860.7
U.S. government securities
619.9
618.7
624.6
634.0
Other securities
202.4
206.4
210.0
226.7

Mar 26

5
Loans and leases in bank credit (2)
2,353.3
2,403.0
2,416.9
2,428.2
2,442.2
2,455.9
2,469.9
2,497.8
2,508.6
2,506.4
2,502.2
2,505.0
6
Commercial and industrial
541.2
560.5
564.8
566.6
571.0
572.3
578.8
584.9
588.3
586.5
586.8
591.3
7
Real estate
1,062.6
1,079.2
1,082.8
1,089.1
1,095.7
1,102.3
1,107.9
1,121.6
1,122.6
1,126.0
1,128.4
1,127.4
8
Revolving home equity
79.7
81.2
83.3
84.3
85.4
85.8
86.6
87.9
88.1
88.4
88.8
89.1
9
Other
982.9
998.0
999.5
1,004.8
1,010.4
1,016.5
1,021.3
1,033.7
1,034.6
1,037.5
1,039.6
1,038.3
10
Consumer
500.8
515.9
519.4
521.5
522.6
523.1
522.8
521.5
522.9
518.8
518.4
518.9
11
Security (3)
51.8
44.7
44.0
42.9
43.6
45.3
45.1
49.3
51.6
49.8
48.4
45.1
12
Other loans and leases
196.9
202.8
206.0
208.2
209.4
212.9
215.4
220.6
223.1
225.3
220.3
222.3
13

Interbank loans

185.9

185.1

184.0
192.0

192.0
197.5

182.3

174.4

181.5

194.6

199.3

194.1

14 Cash assets (4)
196.4
201.8
199.8
210.2
198.9

199.9

197.8

203.5

189.2
208.0

194.7
204.3

15 Other assets (5)
219.6
223.6
232.4
246.3
249.5

224.8

233.2

242.9

189.3
244.3

219.0
244.6

16 TOTAL ASSETS (6)
3,781.1
3,811.5
3,825.4
3,951.6
3,955.7

3,833.7

3,870.5

3,706.0
3,766.9
3,924.9
3,946.8
3,938.2

2,619.5

2,631.2

2,527.4
2,585.9
2,659.3
2,664.1
2,678.0

699.3

691.1

687.7

1,920.2

1,940.1

1,771.8
1,870.4
1,971.5
1,960.2
1,995.4

302.3

306.6

308.5

1,617.9

1,633.5

1,498.9
1,571.6
1,663.0
1,651.4
1,685.9

L I A B I L I T I E S
17 Deposits
2,576.8
2,600.9
2,612.5
2,674.8
2,697.1
18
Transaction
702.3
704.9
702.7
672.7
684.5
19
Nontransaction
1,874.5
1,896.0
1,909.8
2,002.1
2,012.5
20
Large time
295.2
299.4
302.6
312.5
312.6
21
Other
1,579.3
1,596.6
1,607.2
1,689.6
1,699.9

22 Borrowings
572.5
584.1
586.0
597.7
599.9
633.4
623.0
23
From banks in the U.S.
260.3
270.8
274.9
275.2
274.4
290.6
274.6
24
From others
312.2
313.3
311.1
322.5
325.5
342.7
348.3
25
Net due to related foreign offices
76.5
71.0
69.1
72.0
78.2
74.4
75.8

755.6
703.9

272.9
308.8

715.5
682.6

298.9
309.5

618.8

578.6
620.0

584.1
610.7

281.7

265.4
274.6

262.1
271.1

337.1

313.2
345.4

321.9
339.6

81.1
69.8

74.7
63.8

153.0
181.6

152.7
179.9

68.2

26 Other liabilities
168.1
173.8
179.8
182.9
173.9

182.1

190.3

187.1

27 TOTAL LIABILITIES
3,393.9
3,429.7
3,447.5
3,565.4
3,569.7

3,471.3

3,499.6

3,340.1
3,397.4
3,533.4
3,535.5
3,532.5

28 Residual (assets less liabilities) (7)
387.1
381.7
377.8
362.5
370.8
386.2
386.0

391.5

365.8
411.3

369.4
405.7

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
1997

1996

1996

Nov
Apr 16

Dec

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

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

1
Bank credit
3,240.6
3,255.2
3,352.8
3,368.9
2
820.7
859.4
3
621.6
636.6
4
199.1
222.8

Jan

3,270.3

1997

Feb

Mar

--------

--------

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

3,291.8

3,306.0

3,189.8
3,229.1
3,330.3
3,335.2
3,346.7

839.5

843.9

847.3
844.0

824.1
848.6

615.1

625.6

636.1
629.3

622.5
631.7

224.4

218.2

211.2
214.7

201.7
216.9

(2)
2,466.5

2,342.5
2,405.0
2,486.5
2,491.2
2,498.1

578.4

587.9

1,104.8

1,057.1
1,082.2
1,115.7
1,116.0
1,121.0

86.2

87.1

1,018.6

1,028.6

978.1
1,000.3
1,028.8
1,033.6

523.5

516.9

496.5
517.8

518.0
514.1

46.2

48.9

51.5
49.6

43.9
47.3

213.6

217.1

193.5
217.0

204.2
223.9

185.8

191.1

183.0
184.6

179.4
195.0

Securities in bank credit
821.3
817.5
829.9
863.8
U.S. government securities
620.4
617.0
617.6
638.5
Other securities
200.9
200.6
212.3
225.3

5
Loans and leases in bank credit
2,419.9
2,434.0
2,452.8
2,462.0
2,493.4
2,505.1
6
Commercial and industrial
562.4
564.9
567.5
570.2
591.0
597.7
7
Real estate
1,085.7
1,092.9
1,100.4
1,104.3
1,123.9
1,124.2
8
Revolving home equity
83.9
84.7
85.5
85.8
87.6
88.3
9
Other
1,001.9
1,008.2
1,015.0
1,018.5
1,036.3
1,035.9
10
Consumer
519.6
522.0
527.4
528.7
513.8
516.1
11
Security (3)
43.8
44.3
44.8
44.5
46.8
47.1
12
Other loans and leases
208.4
209.9
212.7
214.2
217.8
220.0
13 Interbank loans
178.7
196.3
191.5
196.8
200.6

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

1997

184.1

Mar 26

543.9
590.9

79.0
87.1

556.6
591.8

81.8
87.4

14 Cash assets (4)
197.0
208.5
214.7
200.4
200.8

209.9

199.8

195.1

181.6
191.2

192.6
202.5

15 Other assets (5)
217.3
222.1
231.6
244.5
248.1

226.1

232.1

238.7

186.0
238.1

221.0
245.3

16 TOTAL ASSETS (6)
3,777.3
3,825.7
3,851.7
3,938.6
3,962.5

3,856.3

3,868.0

3,683.6
3,764.6
3,899.5
3,893.5
3,933.6

2,623.3

2,619.5

2,515.2
2,586.9
2,648.2
2,626.0
2,692.0

710.6

684.0

675.8

1,912.7

1,935.6

1,772.5
1,873.4
1,972.5
1,955.4
2,000.5

301.0

309.4

308.5

1,611.7

1,626.1

1,499.4
1,576.8
1,664.0
1,647.8
1,691.9

L I A B I L I T I E S
17 Deposits
2,576.3
2,615.3
2,641.7
2,694.7
2,719.4
18
Transaction
700.0
715.1
734.9
679.8
704.8
19
Nontransaction
1,876.3
1,900.2
1,906.8
2,014.9
2,014.6
20
Large time
295.0
300.0
299.3
313.3
313.7
21
Other
1,581.3
1,600.2
1,607.5
1,701.6
1,700.8

22 Borrowings
568.2
577.3
579.5
595.2
590.6
612.4
621.1
23
From banks in the U.S.
256.1
264.6
269.0
268.3
264.6
278.2
274.6
24
From others
312.0
312.8
310.5
326.9
326.0
334.2
346.5
25
Net due to related foreign offices
78.2
68.4
66.2
73.6
79.9
71.4
71.4

742.7
670.6

273.1
307.6

713.5
691.5

296.6
308.6

604.5

566.6
615.0

587.2
618.3

271.3

258.5
272.9

265.2
282.0

333.3

308.1
342.1

322.0
336.3

84.8
80.5

70.9
66.0

151.9
178.8

153.3
180.3

72.5

26 Other liabilities
168.8
176.9
177.1
183.9
174.3

180.2

189.7

185.4

27 TOTAL LIABILITIES
3,391.4
3,437.9
3,464.5
3,562.3
3,586.2

3,472.3

3,479.8

3,318.5
3,398.3
3,510.8
3,500.3
3,556.6

28 Residual (assets less liabilities) (7)
385.9
387.8
387.2
384.0
388.2
376.3
376.3
29

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

388.7

365.1
393.2

--

366.3
377.0

--

32.5
33.1
36.2
47.5
55.8
52.3
51.7
30 Reval. losses on off-bal. sheet items (8)
28.9
28.9
31.8
44.0
50.9
47.1
47.1
31 Mortgage-backed securities (9)
236.5
238.1
241.2
244.3
243.2
247.3
248.1

48.9

47.6

45.5

43.2

-40.2

-39.9

245.1

-246.3

-247.2

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
1997

1996

1996

Nov
Apr 16

Dec

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

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

1
Bank credit
1,811.5
1,815.8
1,880.2
1,883.9

Jan

1,824.5

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

1997

1997

Feb

Mar

--------

--------

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

1,838.5

1,857.1

1,824.2
1,803.8
1,867.8
1,876.4
1,876.1

428.6

422.2

435.3
422.3

406.9
423.5

283.7

286.6

304.0
289.5

285.1
290.0

16.1

17.7

22.1
18.7

20.9
19.0

267.5

268.9

281.9
270.8

264.2
271.0

144.9

135.6

131.3
132.7

121.8
133.5

79.9

69.8

60.1
65.9

56.4
68.1

65.0

65.8

71.2
66.8

65.5
65.4

21.0

20.6

21.3
20.5

20.3
20.4

44.0

45.3

49.9
46.3

45.1
45.0

(2)
1,428.5

1,388.9
1,396.9
1,445.6
1,454.1
1,452.6

2
Securities in bank credit
407.0
410.1
412.7
418.3
433.5
436.2
3
U.S. government securities
287.2
287.9
286.4
289.2
293.2
295.5
3a
Trading account
21.2
21.5
19.4
17.2
21.0
19.9
3b
Investment account
265.9
266.4
266.9
272.1
272.2
275.6
4
Other securities
119.9
122.2
126.4
129.0
140.3
140.7
4a
Trading account
55.1
57.8
60.9
64.6
75.0
75.5
4b
Investment account
64.8
64.4
65.5
64.4
65.3
65.2
4c
State and local government
20.2
20.2
20.3
20.5
20.4
20.4
4d
Other
44.6
44.2
45.2
44.0
44.9
44.8
5
Loans and leases in bank credit
1,404.5
1,405.7
1,411.8
1,420.2
1,446.7
1,447.7

Mar 26

6
383.1
395.9
7
559.3
572.2
8
54.2
56.9
9
505.0
515.3
10
281.4
283.1
11
39.1
43.3
12a
10.9
10.8
12b
130.6
141.5

Commercial and industrial
383.2
385.6
386.2
399.9
Real estate
560.6
562.9
563.0
570.5
Revolving home equity
54.7
55.3
55.4
57.0
Other
505.9
507.5
507.6
513.5
Consumer
281.1
281.3
284.4
283.8
Security (3)
37.8
38.5
40.4
39.8
State and local government
11.2
11.3
11.1
10.7
All other loans and leases
131.8
132.2
135.1
143.0

390.4

394.7

369.0
397.8

379.7
395.8

563.8

569.2

567.3
569.2

558.1
571.7

55.8

56.4

53.6
56.5

53.9
56.7

508.0

512.8

513.8
512.7

504.2
515.1

286.2

285.1

273.5
286.3

281.7
283.6

39.9

43.9

45.9
46.2

39.5
44.6

11.1

11.0

11.4
11.0

10.9
10.9

137.1

141.6

121.8
143.6

127.0
145.9

13 Interbank loans
133.1
138.5
127.1
137.9
139.7

120.1

124.1

132.9

122.3
136.7

134.2
134.1

14 Cash assets (4)
128.9
133.1
131.1
139.8
129.8

130.9

128.0

133.4

124.4
136.8

128.7
132.8

15 Other assets (5)
163.3
166.7
173.8
177.7
181.7

167.6

174.0

177.0

139.5
177.6

161.9
179.2

16 TOTAL ASSETS (6)
2,200.9
2,218.2
2,220.9
2,300.2
2,299.8

2,221.9

2,248.1

2,173.8
2,192.2
2,276.0
2,292.4
2,286.4

1,371.2

1,369.3

1,323.0
1,350.8
1,376.9
1,384.1
1,385.1

384.0

374.7

368.3

420.3
379.2

394.3
365.1

987.2

994.6

1,008.6

902.8
1,004.9

956.5
1,020.1

153.7

156.5

157.3

126.0
158.3

146.8
159.8

833.5

838.1

851.3

776.7
846.5

809.7
860.3

L I A B I L I T I E S
17 Deposits
1,359.9
1,371.3
1,378.6
1,383.2
1,397.6
18
Transaction
387.8
388.3
387.0
357.2
368.0
19
Nontransaction
972.1
983.0
991.5
1,025.9
1,029.6
20
Large time
152.0
153.7
155.4
162.1
161.8
21
Other
820.1
829.3
836.1
863.8
867.8

22 Borrowings
407.2
416.3
416.9
427.3
427.9
454.3
446.9
23
From banks in the U.S.
173.4
183.2
189.2
188.1
187.2
202.6
190.2
24
From others
233.8
233.1
227.7
239.2
240.7
251.7
256.7
25
Net due to related foreign offices
73.2
68.8
66.4
68.0
74.3
69.7
71.1

441.6

436.8
443.7

422.2
440.9

193.2

187.9
188.0

178.3
190.3

248.4

248.9
255.7

244.0
250.6

75.3
65.6

68.9
59.0

122.0
153.5

126.1
153.7

64.3

26 Other liabilities
139.4
144.8
150.6
156.8
147.8

154.1

162.3

159.3

27 TOTAL LIABILITIES
1,979.7
2,001.2
2,012.5
2,063.9
2,063.4

2,020.6

2,033.8

1,957.1
1,968.0
2,042.1
2,046.8
2,038.7

28 Residual (assets less liabilities) (7)
221.2
217.1
208.4
201.3
214.3
236.3
236.4

233.9

216.6
245.6

224.1
247.7

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
1997

1997

1997

Nov
Apr 16

Dec

Feb

Mar

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

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

--------

--------

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

1,841.7

1,854.9

1,820.1
1,803.6
1,863.0
1,864.1
1,873.0

425.9

422.9

436.1
420.4

408.3
424.4

282.0

287.2

304.7
288.3

286.7
291.1

1996

1
Bank credit
1,812.0
1,818.9
1,875.5
1,885.9
2
408.1
433.4
3
289.3
294.9
3a
22.0
22.0
3b
267.3
273.0
4

Jan

1,824.8

Securities in bank credit
410.7
405.6
415.0
435.5
U.S. government securities
290.0
285.1
283.5
296.6
Trading account
22.7
18.1
16.3
20.8
Investment account
267.3
267.0
267.3
275.8
Other securities

16.3
265.6

Mar 26

18.8
268.3

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

23.3
18.5

21.0
19.4

281.4
269.8

265.7
271.7

131.3

121.6

118.8
120.6
120.5
131.4
138.5
138.9
4a
Trading account
53.5
55.4
54.4
66.5
73.4
74.1
4b
Investment account
65.3
65.2
66.1
64.9
65.1
64.9
4c
State and local government
20.2
20.3
20.4
20.5
20.5
20.6
4d
Other
45.1
45.0
45.7
44.4
44.6
44.3
5
Loans and leases in bank credit
1,403.8
1,408.2
1,419.1
1,426.7
1,442.1
1,450.3
6
Commercial and industrial
381.3
382.2
382.6
384.0
399.5
405.1
7
Real estate
560.0
562.2
565.6
565.4
571.0
569.9
8
Revolving home equity
54.5
55.0
55.4
55.5
56.1
56.5
9
Other
505.4
507.2
510.2
509.9
514.9
513.3
10
Consumer
281.0
280.8
285.2
289.0
280.0
281.5
11
Security (3)
39.0
39.0
39.5
39.5
41.2
41.7
12a
State and local government
11.0
11.2
11.3
11.0
10.7
10.6
12b
All other loans and leases
131.6
132.8
134.9
137.9
139.6
141.6

143.9

135.7

132.1

133.3

78.8

70.2

60.4
65.8

56.1
68.3

65.1

65.5

70.9
66.3

65.5
65.1

21.0

20.6

21.4
20.6

20.3
20.5

44.1

44.9

49.6
45.7

45.2
44.5

(2)
1,429.0

1,384.1
1,395.2
1,440.1
1,443.6
1,448.6

390.4

397.2

371.2
399.5

376.8
400.7

563.3

566.3

564.7
565.2

558.9
569.0

55.6

55.9

53.1
55.9

54.2
56.0

507.7

510.4

511.6
509.3

504.7
513.0

286.0

282.4

271.2
283.3

282.9
280.4

40.9

43.5

45.6
44.5

38.9
41.9

11.0

10.9

11.3
11.0

11.0
10.9

137.4

139.8

120.0
140.0

126.8
145.9

13 Interbank loans
127.6
137.9
133.3
133.4
139.1

128.6

126.4

129.5

119.5
127.9

130.2
132.6

14 Cash assets (4)
128.4
137.1
142.4
131.5
131.8

138.8

130.7

127.0

118.9
124.0

128.1
131.1

15 Other assets (5)
161.2
164.7
172.4
177.6
182.0

168.0

171.6

173.8

137.1
173.5

163.5
178.3

16 TOTAL ASSETS (6)
2,193.5
2,222.8
2,237.2
2,282.7
2,303.6

2,241.9

2,248.5

2,158.9
2,188.5
2,258.1
2,254.4
2,279.5

L I A B I L I T I E S
17 Deposits
1,357.1
1,378.2
1,394.6
1,389.8
1,412.1
18
Tranlgdtion
384.9
394.9
408.3
358.1
383.2
19
Nontranlgdtion
972.2
983.3
986.4
1,031.7
1,028.9
20
Large time
151.4
153.9
153.0
161.5
161.9
21
Other
820.7
829.3
833.4
870.1
867.0

1,377.4

1,367.3

1,316.1
1,349.7
1,370.8
1,358.5
1,392.3

391.6

371.3

360.6

412.1
357.3

393.1
372.0

985.8

995.9

1,010.2

904.0
1,001.2

956.6
1,020.4

153.6

158.7

156.5

125.4
156.0

144.7
157.6

832.2

837.3

853.7

778.6
845.3

811.8
862.7

433.1

429.3
440.5

425.8
444.6

186.7

183.8
186.9

180.6
196.6

246.4

245.6
253.6

245.2
248.0

79.0
76.3

65.0
61.1

120.5
149.9

127.0
154.0

22 Borrowings
402.8
411.0
410.9
423.1
420.1
441.2
448.8
23
From banks in the U.S.
169.8
178.7
183.9
181.5
179.4
194.5
190.8
24
From others
232.9
232.3
227.0
241.6
240.6
246.7
258.0
25
Net due to related foreign offices
74.8
66.2
63.4
69.7
76.0
66.7
66.7

68.6

26 Other liabilities
140.1
148.0
148.4
157.5
148.0

151.9

161.3

157.2

27 TOTAL LIABILITIES
1,974.7
2,003.5
2,017.3
2,055.1
2,075.6

2,022.1

2,024.6

1,944.9
1,967.5
2,029.7
2,025.3
2,052.0

28 Residual (assets less liabilities) (7)
218.7
219.3
219.8
219.8
223.9
227.5
228.0
MEMO
29 Reval. gains on off-bal. sheet itens(8)
32.5
33.1
36.2
47.5
55.8
52.3
51.7
30 Reval. losses on off-bal. sheet itens (8)
28.9
28.9
31.8
44.0
50.9
47.1
47.1
31 Mortgage-backed securities (9)
188.2
189.5
192.0
193.6
192.9
194.7
195.5

228.4

214.0
229.1

221.1
227.5

48.9

-47.6

-45.5

43.2

-40.2

-39.9

193.3

-194.2

-194.6

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
1997

1996

1996

Nov
Apr 16

Dec

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

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

1
Bank credit
1,426.1
1,434.8
1,478.9
1,481.8
2
413.6
423.4
3
333.4
339.3
4
80.2
84.1

Jan

1,442.8

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

1997

1997

Feb

Mar

--------

--------

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

1,452.1

1,456.6

1,374.2
1,421.5
1,471.8
1,474.4
1,475.3

415.3

419.6

409.7
419.9

415.4
421.5

334.5

337.4

330.1
337.8

335.2
338.2

80.8

82.3

79.6
82.0

80.2
83.3

(2)
1,041.4

1,052.2

964.4
1,006.1
1,054.5
1,053.9

188.3

190.2

172.2
190.5

180.8
190.7

544.0

552.4

495.3
553.4

521.1
554.2

30.8

31.5

26.2
31.6

27.3
31.8

513.2

520.9

469.1
521.9

493.8
522.5

236.6

236.4

227.3
236.7

234.1
235.2

5.2

5.4

5.9
5.5

5.2
5.2

67.2

67.9

63.7
68.5

64.9
68.5

Securities in bank credit
412.2
412.3
416.3
424.5
U.S. government securities
332.1
332.3
335.3
338.5
Other securities
80.2
80.0
81.0
86.0

5
Loans and leases in bank credit
1,012.4
1,022.5
1,030.5
1,035.7
1,055.5
1,057.3
6
Commercial and industrial
181.6
183.4
185.4
186.2
190.9
191.4
7
Real estate
523.5
528.5
532.9
539.3
556.2
556.9
8
Revolving home equity
29.1
29.6
30.0
30.4
31.8
32.1
9
Other
494.4
498.9
502.9
508.9
524.4
524.8
10
Consumer
237.9
240.4
241.2
238.7
235.3
235.1
11
Security (3)
4.9
5.0
5.1
5.0
5.0
5.3
12
Other loans and leases
64.4
65.2
65.9
66.6
68.0
68.6

Mar 26

13
50.8
54.1

Interbank loans
53.6
55.2
57.8

54.3

57.4

61.7

63.6
62.6

50.9
60.0

14
67.5
70.4

Cash assets (4)
68.7
68.6
69.1

69.0

69.8

70.1

64.8
71.2

66.0
71.5

15
56.3
68.6

Other assets (5)
56.9
58.6
67.8

16 TOTAL ASSETS (6)
1,580.1
1,593.2
1,604.4
1,651.4
1,655.9

49.8
66.7

57.1
65.4

57.2

59.2

65.8

1,611.8

1,622.4

1,532.2
1,574.7
1,648.9
1,654.4
1,651.9

1,248.3

1,261.9

1,204.4
1,235.1
1,282.4
1,280.0
1,292.9

315.3

316.4

319.4

335.4
324.7

321.1
317.6

933.0

945.5

962.9

869.0
955.3

913.9
975.3

148.7

150.1

151.2

146.9
150.5

152.1
149.8

784.4

795.3

811.8

722.1
804.8

761.9
825.6

177.2

141.8
176.3

161.9
169.8

88.5

77.6
86.6

83.9
80.8

88.7

64.3
89.7

78.0
89.0

3.9

5.8
4.2

5.9
4.9

31.0
28.1

26.6
26.2

L I A B I L I T I E S
17 Deposits
1,216.9
1,229.6
1,233.9
1,291.7
1,299.5
18
Transaction
314.5
316.6
315.7
315.5
316.5
19
Nontransaction
902.4
913.0
918.3
976.2
982.9
20
Large time
143.2
145.7
147.2
150.4
150.9
21
Other
759.2
767.3
771.1
825.7
832.1

22 Borrowings
165.3
167.8
169.1
170.4
172.0
179.0
176.1
23
From banks in the U.S.
86.9
87.7
85.7
87.1
87.2
88.0
84.5
24
From others
78.4
80.2
83.4
83.4
84.8
91.0
91.6
25
Net due to related foreign offices
3.4
2.2
2.7
4.0
4.0
4.7
4.7
26
28.7
26.1

Other liabilities
29.0
29.2
26.1

27 TOTAL LIABILITIES
1,414.2
1,428.6
1,435.0
1,501.5
1,506.3

28.0

28.0

27.8

1,450.7

1,465.8

1,383.0
1,429.4
1,491.4
1,488.6
1,493.8

28 Residual (assets less liabilities) (7)
165.9
164.6
169.4
161.2
156.5
149.9
149.6

157.6

149.2
165.7

145.3
158.0

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

1997

1997

1997

Nov
Apr 16

Dec

Jan

Feb

Mar

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

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

--------

--------

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

1,450.2

1,451.1

1,369.6
1,425.5
1,467.3
1,471.1
1,473.7

413.6

421.0

411.2
423.5

415.8
424.2

333.1

338.5

331.4
340.9

335.7
340.6

80.5

82.5

79.9
82.6

80.0
83.6

(2)
1,037.5

1,046.3

958.4
1,009.8
1,047.6
1,049.5

188.0

190.7

172.7
191.3

179.8
191.2

541.5

549.4

492.3
550.7

523.3
552.1

30.6

31.2

25.9
31.2

27.7
31.4

510.8

518.1

466.4
519.5

495.6
520.6

237.5

234.5

225.3
234.5

235.1
233.7

5.3

5.4

5.9
5.1

5.1
5.4

65.3

66.4

62.2
66.0

66.4
67.1

1
Bank credit
1,428.6
1,436.3
1,477.3
1,483.1
2
412.6
426.0
3
332.3
341.7
4
80.2
84.3

1,445.5

Securities in bank credit
410.6
411.9
414.9
428.3
U.S. government securities
330.4
331.8
334.1
341.9
Other securities
80.2
80.0
80.8
86.4

5
Loans and leases in bank credit
1,016.0
1,025.7
1,033.6
1,035.3
1,051.3
1,054.8
6
Commercial and industrial
181.0
182.7
184.9
186.2
191.5
192.6
7
Real estate
525.8
530.7
534.8
538.9
552.9
554.4
8
Revolving home equity
29.3
29.7
30.1
30.3
31.5
31.7
9
Other
496.5
501.0
504.7
508.6
521.4
522.6
10
Consumer
238.6
241.1
242.1
239.7
233.8
234.6
11
Security (3)
4.8
5.3
5.3
5.1
5.5
5.4
12
Other loans and leases
65.8
66.0
66.5
65.4
67.4
67.8

Mar 26

Week ending
Mar
Sep
Apr 2
Apr 9

13
51.1
63.4

Interbank loans
58.4
58.2
61.4

55.5

59.4

61.6

63.5
56.7

49.2
62.5

14
68.6
69.0

Cash assets (4)
71.4
72.3
68.9

71.1

69.1

68.1

62.7
67.2

64.5
71.4

15
56.1

Other assets (5)
57.4
59.2

58.1

60.5

64.9

49.0
64.6

57.6
67.1

Oct

67.0

66.2

16 TOTAL ASSETS (6)
1,583.8
1,602.9
1,614.5
1,655.9
1,658.9

1,619.6

1,524.7
1,576.0
1,641.4
1,639.1
1,654.1

1,245.9

1,252.2

1,199.1
1,237.2
1,277.5
1,267.5
1,299.7

319.0

312.6

315.2

330.6
313.3

320.4
319.6

926.9

939.6

962.3

868.5
954.2

916.8
980.1

147.4

150.8

152.0

147.7
151.6

151.9
150.9

779.5

788.8

810.3

720.8
802.6

764.9
829.2

171.4

137.3
174.5

161.5
173.7

84.6

74.8
86.0

84.6
85.4

86.9

62.5
88.5

76.8
88.3

3.9

5.8
4.2

5.9
4.9

31.4
28.9

26.3
26.3

1,614.4

L I A B I L I T I E S
17 Deposits
1,219.2
1,237.1
1,247.1
1,304.9
1,307.3
18
Transaction
315.0
320.2
326.6
321.6
321.6
19
Nontransaction
904.1
916.9
920.4
983.3
985.6
20
Large time
143.6
146.1
146.3
151.8
151.8
21
Other
760.5
770.9
774.2
831.5
833.8

22 Borrowings
165.4
166.3
168.6
172.1
170.5
171.2
172.3
23
From banks in the U.S.
86.3
85.8
85.1
86.8
85.2
83.7
83.8
24
From others
79.1
80.5
83.5
85.3
85.3
87.5
88.5
25
Net due to related foreign offices
3.4
2.2
2.7
4.0
4.0
4.7
4.7
26
28.7
26.4

Other liabilities
28.9
28.8
26.3

27 TOTAL LIABILITIES
1,416.6
1,434.4
1,447.1
1,507.2
1,510.6

28.2

28.4

28.2

1,450.2

1,455.2

1,373.6
1,430.8
1,481.0
1,475.1
1,504.6

MEMO
28 Residual (assets less liabilities) (7)
167.2
168.4
167.4
164.2
164.4
148.7
148.3
31 Mortgage-backed securities (9)
48.4
48.5
49.2
50.7
50.3
52.6
52.6

160.3
51.8

151.1
164.1
-52.1

145.2
149.5
-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
1997

1996

1996

Nov
Apr 16

Dec

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

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

1
Bank credit
480.5
493.8
528.1
539.6

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

1997

Feb

Mar

--------

--------

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

516.9

532.7

528.3

445.2
535.2

467.5
518.7

176.7

172.3

143.5
177.8

146.5
173.6

85.2

83.3

69.2
84.0

82.9
86.7

91.5

89.0

74.3
93.8

63.6
86.9

(2)
356.0

356.0

301.7
357.3

321.0
345.0

218.2

217.7

183.7
218.0

200.6
213.7

32.3

32.0

33.5
32.0

32.8
31.5

39.6

39.5

33.5
40.6

29.1
35.3

65.8

66.7

51.0
66.7

58.5
64.5

Jan

1997

505.1

2
148.6
175.4
3
82.6
86.7
4
65.9
88.7

Securities in bank credit
157.8
164.4
170.2
177.5
U.S. government securities
87.0
87.6
81.7
86.2
Other securities
70.8
76.9
88.4
91.2

5
331.9
352.7
6
205.9
217.3
7
32.7
31.7
11
32.9
38.4
12
60.4
65.4

Loans and leases in bank credit
336.0
340.7
346.8
362.1
Commercial and industrial
208.1
213.1
214.9
220.9
Real estate
32.4
32.0
32.0
32.3
Security (3)
35.0
36.2
38.0
42.8
Other loans and leases
60.4
59.4
61.8
66.1

Mar 26

13
20.6
19.4

Interbank loans
20.2
21.8
15.8

23.4

22.3

24.9

20.2
26.1

20.3
28.8

14
29.7
33.0

Cash assets (4)
30.9
31.1
32.3

31.2

33.1

32.8

27.6
32.3

29.5
31.0

15
33.7
41.3

Other assets (5)
36.2
37.0
39.6

38.8

42.2

42.2

47.3
40.4

41.0
40.3

610.0

630.1

627.9

540.3
633.7

558.2
618.6

16 TOTAL ASSETS (6)
564.4
580.9
594.7
621.6
627.0
L I A B I L I T I E S

17 Deposits
197.4
203.9
219.5
261.9
260.7
18
Transaction
10.4
10.2
10.2
11.2
10.9
19
Nontransaction
187.0
193.7
209.3
250.7
249.8
20
Large time
184.4
190.0
205.1
247.6
246.1
21
Other
2.6
3.7
4.2
3.1
3.7

26
74.6
90.7

Other liabilities
80.0
82.8
88.7

27 TOTAL LIABILITIES
557.2
576.7
586.4
629.6
630.8
28
7.2
-8.0

186.0
250.1

240.9

10.4

9.9

216.5

230.9

236.3

160.3
234.8

176.2
239.1

216.4

228.6

233.3

157.1
233.4

172.8
236.1

0.1

2.3

3.0

3.2
1.4

3.4
3.0

117.2
150.6

122.8
133.4

35.4

32.2
39.5

34.0
32.8

106.5

85.1
111.1

88.8
100.6

175.6
132.5

176.3
149.0

74.5
91.6

68.7
87.9
553.7
620.4

22 Borrowings
117.5
125.7
121.7
131.0
144.5
135.9
143.0
23
From banks in the U.S.
32.4
33.2
32.9
28.3
34.4
34.5
35.7
24
From others
85.1
92.4
88.8
102.7
110.1
101.4
107.4
25
Net due to related foreign offices
167.7
167.1
162.3
150.9
140.4
141.0
138.3

247.1

170.2
245.6

226.9

10.8

141.9

142.2

9.9
10.8

89.9

99.6

93.3

598.8

625.3

624.5

537.6
620.2

3.5

2.7
13.5

Residual (assets less liabilities) (7)
4.2
8.3
11.3
4.8
-3.8

9.7
11.0

4.5
-1.8

H.8 (510) pg.10
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
Account
1997

1996

1996

Nov
Apr 16

Dec

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

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

1
Bank credit
479.2
493.4

Jan

501.1

1996
1996
1996
Week ending
Mar
Sep
Oct
Apr 2
Apr 9

1997

1997

Feb

Mar

--------

--------

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

513.9

533.3

528.2

Mar 26

443.9
527.1

466.2
520.2

530.2
2
148.5
178.8
3
82.1
86.5
3a
18.7
18.8
3b
63.4
67.6
4
66.3
92.3
4a
47.9
65.7
4b
18.4
26.6
5
330.7
351.4
6
204.7
217.1
7
32.9
31.4
11
32.9
38.4
12
60.2
64.6

538.7
Securities in bank credit
157.5
158.0
166.0
176.5
U.S. government securities
87.0
85.1
82.7
85.5
Trading account
21.8
19.9
17.0
17.3
Investment account
65.2
65.3
65.7
68.3
Other securities
70.5
72.9
83.3
91.0
Trading account
51.6
54.0
61.4
64.4
Investment account
18.9
18.9
22.0
26.6
Loans and leases in bank credit
335.9
343.0
347.9
362.2
Commercial and industrial
207.9
213.5
214.8
221.9
Real estate
32.9
32.2
32.0
31.8
Security (3)
35.0
36.2
38.0
42.8
Other loans and leases
60.1
61.2
63.1
65.6

142.9
171.5

145.4
174.5

86.2

70.9
85.8

81.8
87.9

21.4

19.9

-18.8

-21.1

65.6

66.3

-67.0

-66.8

90.7

86.8

72.0
85.8

63.5
86.5

67.9

63.1

-62.1

-60.6

22.7

23.7

-23.6

-25.9

(2)
355.7

355.1

301.0
355.5

320.8
345.7

218.2

217.3

183.4
217.0

199.4
214.7

32.4

32.0

33.5
31.8

32.9
31.1

39.6

39.5

33.5
40.6

29.1
35.3

65.5

66.2

50.6
66.3

59.4
64.6

177.6

173.1

87.0

13
20.6
19.4

Interbank loans
20.2
21.8
15.8

23.4

22.3

24.9

20.2
26.1

20.3
28.8

14
30.1
31.6

Cash assets (4)
31.1
32.2
31.7

31.6

32.4

32.2

27.2
32.1

28.8
30.5

15
33.4
38.2

Other assets (5)
36.5
37.7
38.2

38.0

43.0

41.6

46.6
39.4

41.5
38.3

606.7

630.8

626.7

537.8
624.4

556.7
617.5

170.1

185.5

16 TOTAL ASSETS (6)
563.1
581.0
592.6
619.2
624.1
L I A B I L I T I E S
17

Deposits

202.7
252.5
18
10.4
10.6
19
192.3
241.9
20
190.0
239.5
21
2.3
2.4

206.5
222.2
251.9
Transaction
10.2
10.9
10.4
Nontransaction
196.3
211.3
241.5
Large time
193.9
208.5
239.0
Other
2.4
2.8
2.5

227.1

237.7

246.9

247.6

10.4

10.1

10.6

9.6
10.8

216.6

227.5

236.4

160.4
236.8

175.4
236.9

214.4

223.7

232.8

156.8
234.4

173.1
234.5

2.2

3.8

3.5

3.6
2.4

2.3
2.5

112.7
137.6

123.9
130.3

33.8

31.0
34.8

33.3
34.1

102.1

81.7
102.8

90.6
96.2

177.5
146.4

174.3
148.9

74.4
89.3

68.6
86.8

534.7
620.9

552.3
613.8

3.9

3.1
3.5

4.4
3.8

43.0

-42.0

-40.7

43.0

-42.0

-40.5

22 Borrowings
114.2
122.2
120.6
127.8
137.9
138.2
147.2
23
From banks in the U.S.
29.9
33.3
33.6
29.3
32.2
34.9
37.5
24
From others
84.3
88.9
87.0
98.5
105.7
103.4
109.7
25
Net due to related foreign offices
167.6
166.8
163.9
159.6
149.5
132.6
132.6
26
73.1
90.3

Other liabilities
80.6
81.5
88.3

27 TOTAL LIABILITIES
557.6
576.0
588.2
613.7
619.9

89.1

603.6

102.0

627.1

28
5.5
5.5

Residual (assets less liabilities) (7)
4.9
4.3
3.1
3.7
4.2

29
29.9
44.2
30
29.3
43.3

MEMO
Reval. gains on off-bal. sheet items (8)
32.4
33.4
41.6
47.0
41.5
Reval. losses on off-bal. sheet items (8)
31.5
32.5
40.8
47.2
41.9

135.9

146.8

93.1

622.8

247.8
10.1
10.9

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
April 16, 1997.
Federa
l Reserve Distict
National
___________________________________________________________

York

Philadelphia
Cleveland Richmond
ASSETS
1 Bank credit
356.8
99.3
165.0
191.4
2
Securities in bank credit (14)
3
3a
3b
80.9
3c
57.3
3d
23.6
3e
4.7
3f
12.8
3g
6.1
4
4a
4b
19.1
4c
7.2
4d
11.9
5
256.7
6
68.0
6a
0.7
6b
67.3
7
101.6
8
7.9
9a
65.7
9b
28.0
10
36.4
11
17.9
11a
9.1
11b
8.9
12a

total
Atlanta
210.8

296.6

Trading account (14)

Trading account (14)

93.5

435.5

U.S. government securities (14)

Investment account
4.9
22.8
33.8
Mortgage-backed
1.9
17.6
20.3
Other
3.0
5.2
13.4
1 year or less
0.9
0.8
3.2
Between 1 and 5 years
1.7
3.2
8.0
More than 5 years
0.4
1.2
2.2
Other securities (14)

1,885.9

Boston

20.8
29.5
19.3
10.1
2.7
6.2
1.3

275.8

17.2

175.3

7.3

100.5

9.9

28.0

3.7

54.5

5.5

18.1

0.7

138.9
74.1

Investment account
64.9
1.9
6.1
5.9
7.8
State and local government
20.6
0.5
0.6
1.0
2.0
Other
44.3
1.4
5.6
4.9
5.8
Loans and leases in bank credit (2)
1,450.3
92.6
136.0
151.7
173.5
Commerical and industrial
405.1
15.4
41.0
36.9
40.9
Bankers acceptances
1.4
0.0
0.0
0.1
0.0
Other
403.7
15.4
40.9
36.8
40.9
Real estate
569.9
27.9
49.5
77.0
82.4
Revolving home equtiy
56.5
3.3
5.8
7.3
6.1
Other residential
330.2
20.0
29.4
45.8
47.8
Commercial
183.1
4.5
14.3
23.8
28.4
Consumer
281.5
42.2
30.5
19.6
37.1
Security (3)
41.7
0.1
1.0
3.6
1.4
Fed funds and RPs with broker/dealer
24.6
0.0
0.1
3.4
1.0
Other
17.1
0.1
0.9
0.2
0.4
State and local government
10.6

5.8
2.0
3.8
70.5
28.1
0.1
28.0
20.7
3.1
9.7
8.0
6.1
6.1
5.6
0.5
0.2

New

1.5
12b
0.2
12c
3.1
12d
15.1
12e
13.0
13
49.8
13a
30.5
13b
19.4
14
27.1
15
125.6
16
548.0

0.8
1.2
1.9
Agricultural
0.1
0.2
0.6
Fed funds and RPs with others
0.0
0.1
0.9
All other loans
1.5
2.7
4.9
Lease financing receivables
4.6
9.9
6.4
Interbank loans
3.2
8.8
12.1
Fed funds and RPs with banks
3.2
5.4
8.8
Other
0.1
3.4
3.2
Cash assets(4)
4.3
9.1
10.4
Other assets (12)
14.8
13.5
37.1
TOTAL ASSETS (6)
119.6
193.6
248.7

2.1
0.5
0.0
3.6
5.5
12.4
10.3
2.1
14.3
14.6
249.1

7.6

0.0

6.3

1.3

59.7

3.3

67.9

4.8

139.1

6.7

91.1

3.6

48.0

3.1

131.8

6.5

211.7

16.2

2,333.3

121.4

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
April 16, 1997.
Federa

l Reserve Distict
National
___________________________________________________________
total
York
Philadelphia Cleveland Richmond
Atlanta
17
293.3
18
75.1
19
218.2
20
48.8
21
169.4
22
89.9
23
23.9
24
66.0
26
98.2
27
481.3

Deposits
67.5
Transaction
15.5
Nontransaction
52.0
Large time
10.5
Other
41.5
Borrowings
30.5
From banks in
14.8
From others
15.8
Other liabilities
9.6
TOTAL LIABILITIES
107.6

28
66.6

Residual (assets less liabilities (13)
12.0
14.6
16.9

122.3

129.7

176.6

29.0

28.3

35.5

93.3

101.4

141.1

9.8

13.6

19.7

83.5

87.9

121.4

46.2
the U.S.
19.8

67.9

38.8

31.2

22.3

26.3
(13)
10.5

36.7

16.5

34.2

12.6

179.0

231.8

228.0
21.1

Boston

1,412.1

67.1

383.2

24.3

1,028.9

42.8

161.9

6.2

867.0

36.6

448.8

31.5

190.8

10.4

258.0

21.1

244.4

12.2

2,105.3

110.7

228.0

10.7

New

29

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

51.7

30

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

47.1

31 Mortgage-backed securities (9)
61.6
3.3
19.4
23.3
31a
Pass-through
48.3
1.8
12.3
19.4
31b
CMO, REMIC and other
13.3
1.5
7.2
4.0
32 Net unrealized ganis (losses)
33

22.2
13.6
8.6

195.5

8.1

137.1

5.8

58.4

2.3

2.0

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

33.2

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
April 16, 1997.
Federa
l Reserve Distict

_______________________________

_______________________________________
Kansac City
Dallas
San Francisco
ASSETS
1 Bank credit
43.5
24.3
70.7
296.4
2
Securities in bank credit (14)

Chicago

St.Louis

Minneapolis

3
3a
3b
5.9
3c
2.2
3d
3.7
3e
0.0
3f
1.5
3g
2.1
4
4a
4b
0.6
4c
0.2
4d

199.1

40.3

30.0

6.2

13.2

3.5

16.8

2.6

8.9

0.5

6.1

1.7

1.8

0.4

6.6

1.0

3.5

0.7

3.1

0.3

U.S. government securities (14)
Trading account (14)
Investment account (14)
4.9
12.4
27.4
Mortgage-backed
3.6
10.3
18.6
Other
1.3
2.1
8.8
1 year or less
0.2
0.2
2.0
Between 1 and 5 years
1.0
1.6
5.2
More than 5 years
0.0
0.2
1.6
Other securities (14)
Trading account (14)
Investment accout (14)
0.8
1.8
7.4
State and local government
0.5
0.6
1.7
Other

0.4
5
37.0
6
9.0
6a
0.0
6b
9.0
7
7.9
8
0.4
9a
5.2
9b
2.3
10
15.5
11
1.5
11a
1.0
11b
0.5
12a
0.1
12b
0.2
12c
0.0
12d
1.8
12e
0.9
13
2.8
13a
2.6
13b
0.2
14
2.3
15
3.1
16
50.8

0.2
1.2
5.7
Loans and leases in bank credit (2)
18.6
56.4
261.6
Commerical and industrial
5.0
25.5
57.0
Bankers acceptances
0.0
0.0
0.3
Other
5.0
25.5
56.7
Real estate
6.7
14.7
117.0
Revolving home equtiy
0.5
0.3
15.4
Other residential
3.4
10.0
60.7
Commercial
2.9
4.5
40.9
Consumer
4.7
10.2
50.0
Security (3)
0.1
0.8
2.9
Fed funds and RPs with broker/dealer
0.0
0.5
1.2
Other
0.1
0.3
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
0.4
All other loans
1.2
3.6
12.9
Lease financing receivables
0.2
1.3
15.5
Interbank loans
2.5
8.3
19.2
Fed funds and RPs with banks
2.2
5.2
6.6
Other
0.3
3.1
12.6
Cash assets(4)
3.4
10.6
23.6
Other assets (12)
3.4
6.5
43.6
TOTAL ASSETS
33.2
95.3
376.1

162.5

33.1

69.6

8.7

0.3

0.0

69.3

8.7

49.6

14.8

5.1

1.3

22.6

9.7

21.8

3.8

24.0

5.2

4.0

2.2

0.9

1.9

3.2

0.3

1.2

0.2

0.5

0.1

0.6

0.0

8.3

0.9

4.7

0.9

6.9

6.5

6.5

6.4

0.4

0.1

16.9

3.3

23.0

5.1

242.8

54.7

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
April 16, 1997.
Federa

l Reserve Distict
_______________________________________

_______________________________
Chicago

St.Louis

Minneapolis

Kansas City

Dallas

San Francisco

17
22.6
18
7.2
19
15.4
20
1.3
21
14.0
22
18.1
23
14.3
24
3.8
26
5.7

Deposits
25.0
68.4
Transaction
7.0
21.4
Nontransaction
18.0
47.0
Large time
1.4
4.6
Other
16.6
42.4
Borrowings
3.7
13.2
From banks in the U.S.
2.7
3.8
From others
1.0
9.4
Other liabilities (13)
0.8
5.1

27
46.4

TOTAL LIABILITIES
29.5

28
4.4

Residual (assets less liabilities (13)
3.8
8.5
42.1

86.7

263.8
90.4
173.4
24.1
149.3
41.6
20.8
20.8

334.1

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

30

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

33

30.9

42.1

7.5

103.0

23.3

19.1

2.8

83.9

20.5

51.3

16.2

14.5

12.4

36.8

3.8

24.3

2.4

220.8

49.4

22.0

5.3

15.1

3.7

7.7

2.0

7.4

1.6

28.7

29

31 Mortgage-backed securities (9)
2.3
3.7
10.9
31a
Pass-through
2.0
2.7
9.0
31b
CMO, REMIC and other
0.2
1.0
1.9
32 Net unrealized ganis (losses)

145.1

21.9
12.5
9.4

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.