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
May 9, 1997
Account
1997

1996

1997

Dec
Apr 30

Jan

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

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

1
Bank credit
3,744.3
3,772.3
3,902.5
3,930.9

Feb

3,807.3

1997

Mar

Apr

Apr 9

--------

--------

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

3,846.2

3,867.7

3,667.6
3,718.1
3,903.0
3,887.2
3,900.8

2
Securities in bank credit
980.1
989.5
1,004.7
1,020.4
1,014.0
1,030.7
1,036.5
3
U.S. government securities
707.0
706.2
706.3
703.3
707.2
721.0
728.0
4
Other securities
273.1
283.2
298.4
317.1
306.8
309.6
308.4
5
Loans and leases in bank credit
2,764.2
2,782.9
2,802.6
2,825.8
2,871.8
2,894.4
6
Commercial and industrial
774.7
784.0
787.3
796.9
810.6
813.7
7
Real estate
1,121.5
1,127.8
1,134.3
1,140.3
1,163.0
1,167.3
8
Revolving home equity
84.3
85.3
85.6
86.5
89.2
89.6
9
Other
1,037.3
1,042.5
1,048.7
1,053.8
1,073.8
1,077.7
10
Consumer
521.5
522.6
523.0
522.8
519.1
520.4
11
Security (3)
77.9
79.7
83.4
84.7
89.8
96.0
12
Other loans and leases
268.6
268.8
274.7
281.2
289.3
297.1
13 Interbank loans
212.2
204.0
197.8
222.8
212.3

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

1997

203.9

1,032.7

990.4
1,032.3

969.3
1,035.1

721.5

707.8
719.1

703.2
719.8

311.1

282.6
313.2

266.1
315.4

(2)
2,853.7

2,677.2
2,748.8
2,870.3
2,854.9
2,865.7

802.5

809.2

1,153.7

1,100.1
1,115.6
1,162.3
1,160.3
1,160.0

87.7

89.0

1,066.0

1,020.0
1,032.2
1,073.3
1,071.7
1,071.0

521.5

519.2

88.8

89.7

287.2

219.6

732.1
803.9

80.1
88.6

770.6
811.2

83.3
89.0

504.7
518.4

519.4
519.0

85.0
86.8

76.9
87.7

289.9

255.3
285.5

266.4
287.8

215.5

208.9
211.5

204.6
213.1

14 Cash assets (4)
232.7
230.9
231.1
248.4
242.4

231.0

236.3

241.5

221.4
243.1

226.1
233.8

15 Other assets (5)
259.8
269.4
263.6
285.1
290.7

275.4

285.2

286.6

240.6
287.6

253.4
283.6

16 TOTAL ASSETS (6)
4,392.3
4,420.1
4,443.7
4,602.5
4,619.9

4,500.5

4,552.8

4,281.4
4,345.4
4,590.3
4,573.1
4,575.1

2,872.0

2,906.3

2,712.2
2,774.2
2,944.1
2,936.5
2,965.5

701.0

698.5

699.0

2,171.0

2,207.8

1,947.6
2,061.5
2,245.1
2,252.2
2,261.0

535.2

541.8

558.9

1,635.8

1,666.0

1,513.9
1,581.9
1,686.1
1,692.2
1,699.7

L I A B I L I T I E S
17 Deposits
2,804.8
2,832.0
2,846.4
2,934.5
2,944.5
18
Transaction
715.1
712.9
709.7
701.5
707.4
19
Nontransaction
2,089.7
2,119.1
2,136.7
2,233.0
2,237.1
20
Large time
489.4
507.7
518.7
559.1
559.1
21
Other
1,600.3
1,611.4
1,618.0
1,673.9
1,678.1

22 Borrowings
709.2
707.3
728.4
744.0
760.4
777.8
792.3
23
From banks in the U.S.
303.6
307.4
302.9
308.2
316.6
312.3
320.1
24
From others
405.7
400.0
425.5
435.8
443.8
465.5
472.2
25
Net due to related foreign offices
238.1
231.4
222.9
218.7
210.4
226.5
216.4

764.6
684.2

433.7
560.0

712.7
704.5

479.6
561.3

774.7

706.4
768.9

689.4
768.3

316.0

301.4
324.6

292.1
310.3

458.7

405.0
444.3

397.3
458.0

212.6

258.0
215.4

244.2
192.0

226.2
273.8

242.7
267.6

26 Other liabilities
253.7
262.7
272.0
269.7
271.6

289.8

280.4

270.5

27 TOTAL LIABILITIES
4,005.9
4,033.5
4,069.7
4,208.5
4,224.8

4,124.5

4,157.5

3,902.8
3,950.6
4,201.8
4,194.5
4,193.3

28 Residual (assets less liabilities) (7)
386.5
386.6
374.0
376.0
395.3
394.1
395.0
H.8 (510)

pg.2

388.5

378.6
378.7

394.9
381.8

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

1996

1997

Dec
Apr 30

Jan

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

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

1
Bank credit
3,748.6
3,771.3
3,900.8
3,933.8

Feb

3,805.6

1997

Mar

Apr

Apr 9

--------

--------

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

3,839.1

3,858.3

3,667.3
3,719.8
3,902.6
3,882.9
3,903.2

2
Securities in bank credit
978.8
975.5
995.8
1,017.0
1,016.8
1,030.3
1,038.6
3
U.S. government securities
707.4
702.1
700.3
702.1
711.8
722.2
729.4
4
Other securities
271.4
273.5
295.6
314.9
305.0
308.1
309.3
5
Loans and leases in bank credit
2,769.8
2,795.8
2,809.8
2,822.1
2,870.5
2,895.1
6
Commercial and industrial
772.8
780.9
785.0
796.5
819.3
823.1
7
Real estate
1,125.8
1,132.7
1,136.3
1,137.2
1,158.4
1,162.8
8
Revolving home equity
84.7
85.4
85.6
86.1
88.7
89.3
9
Other
1,041.1
1,047.2
1,050.7
1,051.2
1,069.6
1,073.5
10
Consumer
522.0
527.4
528.6
523.4
517.9
519.8
11
Security (3)
79.3
81.0
82.6
85.8
90.7
97.5
12
Other loans and leases
270.0
273.9
277.3
279.1
284.3
291.9
13 Interbank loans
216.5
213.3
207.5
214.1
206.3
14 Cash assets (4)
239.7
246.9
241.4

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

1997

1,035.3

992.6
1,038.2

969.2
1,037.3

724.2

710.5
723.0

703.8
723.6

311.0

282.0
315.2

265.4
313.8

(2)
2,841.5

2,674.7
2,750.6
2,867.4
2,844.7
2,865.9

805.1

816.5

1,147.8

1,095.9
1,118.7
1,157.9
1,155.5
1,156.4

86.9

88.3

1,060.8

1,016.4
1,034.8
1,069.5
1,068.1
1,068.3

516.9

516.7

88.4

90.2

283.3

208.2

232.2

738.6
808.0

79.5
87.5

767.0
818.6

83.9
88.1

502.4
513.9

519.6
516.2

86.2
85.2

76.7
89.7

286.0

251.7
282.2

268.6
285.0

216.1

213.9

207.8
216.2

199.4
216.1

227.3

236.8

217.2
231.9

227.1
235.0

238.3

243.0

15 Other assets (5)
258.6
269.4
264.3
280.1
293.7

275.2

280.3

284.3

238.1
282.7

250.8
280.8

16 TOTAL ASSETS (6)
4,406.6
4,444.2
4,462.9
4,577.2
4,620.2

4,498.8

4,526.1

4,273.4
4,340.4
4,581.4
4,557.7
4,579.1

2,857.2

2,895.1

2,712.7
2,779.0
2,941.4
2,947.0
2,978.9

694.1

686.3

702.3

2,163.1

2,208.8

1,944.3
2,068.6
2,239.2
2,256.3
2,254.6

533.1

541.3

554.9

1,630.0

1,667.5

1,512.6
1,583.6
1,684.3
1,703.6
1,699.3

L I A B I L I T I E S
17 Deposits
2,821.8
2,863.9
2,850.3
2,907.1
2,933.2
18
Transaction
725.2
745.8
721.0
687.6
706.3
19
Nontransaction
2,096.5
2,118.1
2,129.3
2,219.5
2,226.8
20
Large time
493.9
507.8
515.4
556.5
558.4
21
Other
1,602.6
1,610.3
1,613.9
1,663.0
1,668.5

22 Borrowings
699.0
699.6
722.7
728.2
740.2
787.7
799.9
23
From banks in the U.S.
297.3
302.1
297.1
296.3
304.6
312.2
321.2
24
From others
401.7
397.6
425.6
431.9
435.6
475.5
478.7
25
Net due to related foreign offices
235.2
230.1
233.3
229.4
219.3
227.8
227.8

768.4
690.7

431.7
552.7

710.4
724.4

485.0
555.2

775.2

706.2
750.2

681.8
770.6

314.6

300.8
312.5

285.5
312.1

460.6

405.4
437.7

396.3
458.5

210.8

255.8
203.9

245.8
182.5

226.0
274.3

241.8
267.5

26 Other liabilities
257.5
258.6
269.2
268.1
274.1

291.7

278.6

270.8

27 TOTAL LIABILITIES
4,013.4
4,052.2
4,075.5
4,190.7
4,235.0

4,106.5

4,133.2

3,900.8
3,948.4
4,198.2
4,175.5
4,199.6

28 Residual (assets less liabilities) (7)
393.2
392.0
387.4
392.3
392.9
386.4
385.2
29
65.5
88.0
30

MEMO
Reval. gains on off-bal. sheet items (8)
69.6
89.1
102.8
92.0
91.0
Reval. losses on off-bal. sheet items (8)

383.2

91.8

372.6
382.2

392.0
379.5

-96.6

62.4
93.3

--

58.3

60.4
83.6

64.3
87.5

84.8

98.1

86.3

87.2

90.5

89.2

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

1997

Dec
Apr 30

Jan

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

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

1
Bank credit
3,250.5
3,267.3
3,367.8
3,376.1
2
822.3
856.2
3
619.9
634.9
4
202.4
221.2

Feb

3,290.4

1997

Mar

Apr

Apr 9

--------

--------

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

3,313.6

3,339.4

3,213.9
3,237.6
3,365.7
3,359.0
3,364.1

841.7

855.3

844.5
856.8

820.7
858.6

623.9

633.8

635.2
632.4

620.6
634.0

217.8

221.5

209.3
224.4

200.1
224.6

(2)
2,497.7

2,369.5
2,416.9
2,510.4
2,502.2
2,505.6

584.7

590.6

1,121.7

1,066.4
1,082.8
1,130.4
1,128.6
1,128.0

87.7

89.0

1,034.0

1,041.4

986.3
1,040.0

999.5
1,039.0

521.5

519.2

504.7
518.4

519.4
519.0

49.2

46.7

52.8
48.4

44.0
45.1

220.5

223.5

199.6
220.1

206.0
222.0

186.8

184.0

Securities in bank credit
825.0
834.5
843.8
852.6
U.S. government securities
618.7
624.5
618.2
635.3
Other securities
206.4
210.0
225.6
217.3

5
Loans and leases in bank credit
2,428.2
2,442.2
2,455.8
2,469.8
2,511.7
2,523.5
6
Commercial and industrial
566.6
570.9
572.3
578.7
591.3
594.1
7
Real estate
1,089.1
1,095.8
1,102.4
1,108.0
1,130.7
1,135.6
8
Revolving home equity
84.3
85.3
85.6
86.5
89.2
89.6
9
Other
1,004.8
1,010.5
1,016.7
1,021.5
1,041.5
1,046.0
10
Consumer
521.5
522.6
523.0
522.8
519.1
520.4
11
Security (3)
42.9
43.6
45.3
45.1
47.0
45.6
12
Other loans and leases
208.2
209.4
212.9
215.4
223.6
227.8
13

Interbank loans

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

1997

545.9
586.6

80.1
88.6

564.8
591.5

83.3
89.0

192.0
200.9

182.3
188.6

174.5

181.6

194.7

194.7

192.1

197.4

14 Cash assets (4)
201.8
199.8
199.9
214.4
207.9

197.8

203.5

208.3

195.0
210.1

196.4
201.7

15 Other assets (5)
223.6
232.4
224.9
244.1
250.6

233.3

243.0

246.2

195.8
246.3

219.6
244.3

16 TOTAL ASSETS (6)
3,811.5
3,825.4
3,833.7
3,971.2
3,967.0

3,870.4

3,924.9

3,734.5
3,781.1
3,958.8
3,951.4
3,951.5

2,631.2

2,659.2

2,541.1
2,576.8
2,681.0
2,674.6
2,700.4

691.1

687.7

687.9

1,940.1

1,971.5

1,786.8
1,874.5
1,993.1
2,001.5
2,007.0

306.6

308.5

311.2

1,633.5

1,663.0

1,511.1
1,579.3
1,681.9
1,689.1
1,695.4

L I A B I L I T I E S
17 Deposits
2,600.9
2,612.5
2,619.5
2,671.3
2,678.5
18
Transaction
704.9
702.7
699.3
690.2
696.4
19
Nontransaction
1,896.0
1,909.8
1,920.2
1,981.1
1,982.1
20
Large time
299.4
302.6
302.3
310.1
311.2
21
Other
1,596.6
1,607.3
1,617.9
1,671.0
1,670.9

22 Borrowings
584.1
586.1
597.9
600.1
619.1
638.3
642.5
23
From banks in the U.S.
270.8
274.9
275.2
274.4
281.8
282.6
286.4
24
From others
313.3
311.2
322.7
325.7
337.3
355.7
356.1
25
Net due to related foreign offices
71.0
69.1
72.0
78.2
68.2
89.6
86.1

754.3
673.0

275.7
312.4

702.3
693.4

295.2
311.6

632.9

577.8
633.6

572.5
623.4

282.8

264.5
290.7

260.3
274.6

350.1

313.3
342.9

312.2
348.8

85.8
74.4

76.5
65.3

152.8
182.9

168.1
178.7

77.8

26 Other liabilities
173.8
179.8
182.1
180.2
174.8

190.2

187.1

179.2

27 TOTAL LIABILITIES
3,429.7
3,447.6
3,471.4
3,579.5
3,581.9

3,499.8

3,533.7

3,357.6
3,393.9
3,570.9
3,565.4
3,567.8

28 Residual (assets less liabilities) (7)
381.7
377.8
362.3
370.6
391.2
391.8
385.1

387.9

376.9
386.0

387.1
383.6

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

1997

Dec
Apr 30

Jan

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

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

1
Bank credit
3,255.2
3,270.3
3,366.9
3,379.1
2
821.3
856.8
3
620.4
637.8
4
200.9
219.0

Feb

3,291.7

1997

Mar

Apr

Apr 9

--------

--------

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

3,305.8

3,330.1

3,214.6
3,240.6
3,365.2
3,352.6
3,367.4

843.7

857.3

847.1
859.2

820.7
861.7

625.6

637.0

638.7
636.5

621.6
638.5

218.2

220.3

208.4
222.7

199.1
223.1

(2)
2,486.4

2,367.5
2,419.9
2,507.9
2,493.3
2,505.7

587.7

597.2

1,115.8

1,062.7
1,085.8
1,126.4
1,124.1
1,124.8

86.9

88.3

1,028.8

1,038.1

983.2
1,001.9
1,036.7
1,036.6

516.9

516.7

502.4
513.9

519.6
516.2

48.9

47.2

53.9
46.8

43.8
47.1

217.1

220.3

196.7
217.7

208.4
219.7

191.2

193.2

185.8
196.8

178.7
200.4

Securities in bank credit
817.5
829.8
839.4
853.9
U.S. government securities
617.0
617.6
615.1
636.8
Other securities
200.6
212.2
224.3
217.1

5
Loans and leases in bank credit
2,434.0
2,452.8
2,461.9
2,466.4
2,510.2
2,525.2
6
Commercial and industrial
564.9
567.5
570.2
578.4
598.8
602.6
7
Real estate
1,092.9
1,100.5
1,104.4
1,104.9
1,126.6
1,131.6
8
Revolving home equity
84.7
85.4
85.6
86.1
88.7
89.3
9
Other
1,008.2
1,015.0
1,018.7
1,018.8
1,037.8
1,042.3
10
Consumer
522.0
527.4
528.6
523.4
517.9
519.8
11
Security (3)
44.3
44.8
44.5
46.2
47.9
47.2
12
Other loans and leases
209.9
212.7
214.2
213.6
219.0
224.0
13 Interbank loans
196.3
191.5
184.2
192.2
182.5

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

1997

185.9

551.8
590.9

79.5
87.5

562.3
597.9

83.9
88.1

14 Cash assets (4)
208.5
214.7
209.8
205.3
209.1

199.8

195.1

204.4

191.4
200.4

197.0
203.5

15 Other assets (5)
222.1
231.7
226.3
240.6
253.4

232.2

238.8

245.4

194.9
244.5

217.3
242.9

16 TOTAL ASSETS (6)
3,825.7
3,851.7
3,856.3
3,949.1
3,968.0

3,868.0

3,899.4

3,729.8
3,777.3
3,952.1
3,938.4
3,958.3

2,619.5

2,648.2

2,545.7
2,576.3
2,684.8
2,694.5
2,722.9

684.0

675.8

691.6

1,935.5

1,972.4

1,787.2
1,876.3
1,993.2
2,014.4
2,009.0

309.4

308.4

312.7

1,626.1

1,664.0

1,510.2
1,581.3
1,680.6
1,701.1
1,696.3

L I A B I L I T I E S
17 Deposits
2,615.3
2,641.7
2,623.3
2,649.7
2,670.2
18
Transaction
715.1
734.9
710.6
676.9
695.4
19
Nontransaction
1,900.2
1,906.8
1,912.7
1,972.8
1,974.8
20
Large time
300.0
299.3
301.0
312.2
313.6
21
Other
1,600.2
1,607.5
1,611.7
1,660.6
1,661.2

22 Borrowings
577.3
579.5
595.4
590.8
604.8
644.5
648.8
23
From banks in the U.S.
264.6
269.0
268.3
264.7
271.4
283.5
288.1
24
From others
312.8
310.5
327.1
326.2
333.4
361.0
360.7
25
Net due to related foreign offices
68.4
66.2
73.6
79.9
72.5
93.8
93.8

758.5
680.1

277.0
313.2

700.0
713.8

295.0
312.7

631.0

576.0
612.6

568.2
621.5

281.2

263.8
278.2

256.1
274.6

349.8

312.1
334.3

312.0
346.9

85.8
71.4

78.2
61.5

152.9
183.9

168.8
179.2

79.2

26 Other liabilities
176.9
177.1
180.1
179.4
176.1

189.7

185.4

179.7

27 TOTAL LIABILITIES
3,437.9
3,464.5
3,472.5
3,567.4
3,589.0

3,480.0

3,511.0

3,360.4
3,391.4
3,574.7
3,562.3
3,585.0

28 Residual (assets less liabilities) (7)
387.8
387.2
383.8
388.0
388.5
381.7
379.0
29

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

377.5

369.4
376.1

--

385.9
373.2

32.5

33.1
36.2
47.5
55.8
48.9
47.4
47.7
30 Reval. losses on off-bal. sheet items (8)
28.9
31.8
44.0
50.9
43.2
42.3
43.1
31 Mortgage-backed securities (9)
238.1
241.2
244.3
243.1
245.1
249.9
249.4

49.5

52.3

51.7

44.6

-47.0

28.9
47.1

248.8

-247.6

236.5
248.5

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

1997

Dec
Apr 30

Jan

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

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

1
Bank credit
1,816.5
1,825.3
1,886.8
1,889.6

Feb

1,839.2

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

1997

1997

Mar

Apr

Apr 9

--------

--------

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

1,857.8

1,868.6

1,830.5
1,812.2
1,885.0
1,881.1
1,884.9

422.7

433.0

434.3
434.0

407.5
436.6

287.1

295.4

305.0
293.6

287.6
296.0

17.7

20.0

19.8
21.0

21.2
20.0

269.3

275.5

285.2
272.7

266.4
276.0

135.6

137.5

129.3
140.3

119.9
140.7

69.8

72.1

58.9
75.0

55.1
75.5

65.8

65.4

70.4
65.3

64.8
65.1

20.6

20.5

21.1
20.4

20.2
20.4

45.3

44.9

49.2
44.9

44.6
44.8

(2)
1,445.9

1,396.2
1,404.7
1,452.1
1,447.2
1,448.3

2
Securities in bank credit
410.5
413.2
418.7
429.0
434.1
429.7
3
U.S. government securities
288.4
286.8
289.7
284.1
297.0
296.5
3a
Trading account
21.5
19.4
17.2
16.1
19.6
19.6
3b
Investment account
266.9
267.4
272.5
268.0
277.4
276.9
4
Other securities
122.2
126.4
129.0
144.9
137.1
133.2
4a
Trading account
57.8
60.9
64.6
79.9
71.3
67.7
4b
Investment account
64.4
65.5
64.4
65.0
65.8
65.5
4c
State and local government
20.2
20.3
20.5
21.0
20.6
20.7
4d
Other
44.2
45.2
44.0
44.0
45.2
44.8
5
Loans and leases in bank credit
1,406.0
1,412.1
1,420.5
1,428.8
1,452.7
1,459.8

6
383.3
399.7
7
560.7
571.6
8
54.7
57.0
9
505.9
514.6
10
281.2
283.6
11
37.9
42.0
12a
11.2
10.7
12b
131.8
145.0

Commercial and industrial
385.6
386.2
390.5
401.8
Real estate
562.9
563.1
563.9
574.7
Revolving home equity
55.3
55.3
55.6
57.2
Other
507.6
507.9
508.3
517.5
Consumer
281.4
284.5
286.3
284.3
Security (3)
38.5
40.4
39.9
40.5
State and local government
11.3
11.1
11.1
10.8
All other loans and leases
132.3
135.1
137.2
147.7

394.8

399.2

371.4
396.0

383.2
400.3

569.3

572.3

565.8
572.4

559.3
570.7

56.2

56.9

53.6
56.8

54.2
56.9

513.1

515.4

512.2
515.6

505.1
513.9

285.2

283.8

275.3
283.2

281.5
284.0

43.9

41.6

47.4
43.3

39.1
39.8

11.0

10.8

11.2
10.8

10.9
10.7

141.7

144.4

125.2
141.5

130.7
142.8

13 Interbank loans
138.5
127.1
120.1
146.6
133.5

124.1

133.0

139.0

131.4
137.9

133.1
139.4

14 Cash assets (4)
133.1
131.2
131.0
143.1
139.3

128.1

133.5

137.9

129.1
139.8

129.0
130.6

15 Other assets (5)
166.8
173.9
167.7
178.0
182.0

174.1

177.1

178.8

146.5
177.6

163.3
177.5

16 TOTAL ASSETS (6)
2,219.1
2,221.8
2,222.7
2,319.1
2,308.8

2,248.9

2,276.9

2,201.0
2,201.8
2,305.2
2,301.0
2,297.1

1,369.9

1,377.5

1,335.0
1,360.6
1,388.8
1,383.7
1,398.4

374.9

368.5

367.7

423.2
357.7

388.0
367.7

995.1

1,009.0

1,021.1

911.8
1,026.0

972.5
1,030.7

156.6

157.5

161.4

127.6
162.2

152.1
162.4

838.4

851.6

859.7

784.1
863.8

820.4
868.3

L I A B I L I T I E S
17 Deposits
1,372.0
1,379.3
1,371.8
1,386.5
1,387.4
18
Transaction
388.6
387.3
384.2
369.3
376.6
19
Nontransaction
983.4
992.0
987.6
1,017.2
1,010.8
20
Large time
153.8
155.5
153.8
160.4
161.3
21
Other
829.6
836.4
833.8
856.9
849.5

22 Borrowings
416.4
417.0
427.3
428.0
441.8
456.7
454.8
23
From banks in the U.S.
183.2
189.2
188.1
187.2
193.3
192.7
192.3
24
From others
233.2
227.8
239.2
240.8
248.5
264.0
262.4
25
Net due to related foreign offices
68.8
66.4
68.0
74.3
64.3
85.6
82.1

452.5

433.5
454.4

407.3
447.2

194.2

185.5
202.6

173.4
190.2

258.3

248.0
251.8

233.9
257.0

80.8
69.7

73.2
61.1

125.8
156.8

139.4
153.3

73.6

26 Other liabilities
144.8
150.6
154.1
153.4
148.6

162.3

159.3

153.1

27 TOTAL LIABILITIES
2,001.9
2,013.2
2,021.3
2,082.2
2,072.9

2,034.5

2,042.9

1,975.0
1,980.5
2,067.9
2,064.6
2,059.9

28 Residual (assets less liabilities) (7)
217.2
208.5
201.4
214.4
234.0
236.9
235.9

237.3

226.0
236.3

221.3
237.1

H.8 (510) pg.6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
Account
1997
1997

1997

1997

Dec
Apr 30

Jan

Mar

Apr

Apr 9

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

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

--------

--------

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

1,855.6

1,863.8

1,830.5
1,812.7
1,884.1
1,876.4
1,886.9

423.3

431.5

433.2
433.9

408.6
436.0

287.6

295.5

305.0
295.4

289.8
297.1

1996

1
Bank credit
1,819.6
1,825.5
1,883.6
1,892.4
2
411.1
430.2
3
290.5
295.6
3a
22.7
19.0
3b
267.8
276.5
4

Feb

1,842.4

Securities in bank credit
406.1
415.4
426.3
427.7
U.S. government securities
285.6
284.0
282.4
294.9
Trading account
18.1
16.3
16.3
18.9
Investment account
267.4
267.7
266.1
276.0
Other securities

18.8
268.8

20.1
275.3

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

20.0
22.0

22.0
20.8

285.0
273.4

267.8
276.3

128.1

118.8

120.6
120.5
131.4
143.9
134.7
132.7
4a
Trading account
55.4
54.4
66.5
78.8
69.4
67.6
4b
Investment account
65.2
66.1
64.9
65.1
65.2
65.2
4c
State and local government
20.3
20.4
20.5
21.0
20.8
20.9
4d
Other
45.0
45.7
44.4
44.1
44.4
44.3
5
Loans and leases in bank credit
1,408.5
1,419.4
1,427.0
1,429.3
1,453.4
1,464.7
6
Commercial and industrial
382.3
382.7
384.0
390.5
405.5
408.8
7
Real estate
562.3
565.7
565.5
563.4
570.1
573.3
8
Revolving home equity
55.0
55.4
55.4
55.5
56.8
57.1
9
Other
507.2
510.3
510.2
507.9
513.3
516.2
10
Consumer
280.9
285.3
289.1
286.1
282.0
283.3
11
Security (3)
39.0
39.5
39.5
40.9
43.2
42.5
12a
State and local government
11.2
11.3
11.0
11.0
10.7
10.8
12b
All other loans and leases
132.8
134.9
137.9
137.4
142.0
146.1

135.7

136.0

138.5

138.9

70.2

70.9

58.1
73.4

53.5
74.0

65.5

65.1

70.0
65.1

65.3
64.9

20.6

20.7

21.3
20.5

20.2
20.6

44.9

44.4

48.7
44.6

45.1
44.3

(2)
1,440.5

1,397.3
1,404.1
1,452.6
1,442.5
1,450.9

397.3

404.6

376.1
399.6

381.4
405.5

566.4

571.0

564.6
571.1

560.0
570.1

55.7

56.5

53.2
56.0

54.6
56.4

510.7

514.5

511.4
515.2

505.5
513.7

282.5

281.7

273.5
280.1

281.1
281.7

43.5

42.1

48.5
41.2

39.0
41.7

11.0

10.7

11.2
10.7

11.0
10.6

139.8

142.5

123.5
139.6

131.6
141.4

13 Interbank loans
137.9
133.3
128.6
142.7
134.5

126.4

129.5

137.1

129.9
133.4

127.6
138.9

14 Cash assets (4)
137.2
142.5
138.8
137.6
140.9

130.8

127.1

135.3

126.9
131.5

128.5
132.6

15 Other assets (5)
164.7
172.5
168.1
177.2
183.4

171.6

173.8

178.9

146.5
177.5

161.3
177.7

16 TOTAL ASSETS (6)
2,223.7
2,238.0
2,242.7
2,305.9
2,315.8

2,249.3

2,259.0

2,197.4
2,194.3
2,300.1
2,283.4
2,300.9

L I A B I L I T I E S
17 Deposits
1,378.8
1,395.3
1,378.1
1,372.2
1,385.3
18
Tranlgdtion
395.1
408.5
391.9
362.1
380.2
19
Nontranlgdtion
983.7
986.8
986.2
1,010.1
1,005.1
20
Large time
154.1
153.1
153.7
161.6
163.0
21
Other
829.6
833.7
832.5
848.5
842.0

1,367.9

1,371.4

1,337.2
1,357.7
1,390.4
1,390.3
1,412.9

371.6

360.8

371.0

426.9
358.6

385.1
382.8

996.4

1,010.6

1,019.3

910.3
1,031.7

972.6
1,030.0

158.8

156.6

161.9

128.0
161.6

151.6
162.5

837.6

854.0

857.4

782.3
870.1

821.0
867.5

453.3

434.2
441.3

402.8
449.1

193.5

185.9
194.5

169.8
190.8

259.7

248.4
246.8

233.0
258.3

80.7
66.7

74.8
57.3

125.7
157.6

140.1
153.5

22 Borrowings
411.1
411.0
423.2
420.2
433.3
463.3
461.6
23
From banks in the U.S.
178.7
183.9
181.5
179.4
186.8
193.6
194.3
24
From others
232.4
227.1
241.7
240.7
246.5
269.7
267.4
25
Net due to related foreign offices
66.2
63.4
69.7
76.0
68.6
89.8
89.8

74.9

26 Other liabilities
148.0
148.4
151.9
152.4
149.6

161.3

157.3

153.3

27 TOTAL LIABILITIES
2,004.2
2,018.1
2,022.9
2,077.7
2,086.3

2,025.4

2,030.6

1,977.8
1,975.5
2,071.8
2,055.8
2,072.8

28 Residual (assets less liabilities) (7)
219.4
219.9
219.9
223.9
228.5
228.1
229.4
MEMO
29 Reval. gains on off-bal. sheet itens(8)
33.1
36.2
47.5
55.8
48.9
47.4
47.7
30 Reval. losses on off-bal. sheet itens (8)
28.9
31.8
44.0
50.9
43.2
42.3
43.1
31 Mortgage-backed securities (9)
189.5
192.0
193.7
192.9
193.4
197.1
196.5

219.6
227.6

218.8
228.1

49.5

-52.3

32.5
51.7

44.6

-47.0

28.9
47.1

196.1

-195.1

188.2
196.0

228.3

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
1997

1996

1997

Dec
Apr 30

Jan

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

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

1
Bank credit
1,434.0
1,442.0
1,481.1
1,486.5
2
411.8
422.1
3
331.6
337.9
4
80.2
84.1

Feb

1,451.2

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

1997

1997

Mar

Apr

Apr 9

--------

--------

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

1,455.7

1,470.8

1,383.4
1,425.3
1,480.7
1,477.8
1,479.2

419.1

422.3

410.2
422.8

413.2
421.9

336.9

338.3

330.2
338.8

332.9
338.0

82.2

84.0

80.0
84.0

80.2
83.9

(2)
1,051.8

1,058.4

973.2
1,012.2
1,055.0
1,057.3

190.0

191.4

174.5
190.6

181.5
191.2

552.4

558.1

500.6
556.3

523.5
557.2

31.5

32.1

26.5
31.8

29.1
32.1

520.9

526.0

474.1
524.4

494.4
525.1

236.3

235.4

229.4
235.2

237.8
235.0

5.4

5.1

5.4
5.0

4.9
5.3

67.8

68.4

63.2
67.8

64.4
68.5

Securities in bank credit
411.8
415.8
414.7
422.9
U.S. government securities
331.9
334.8
334.1
338.8
Other securities
80.0
81.0
80.7
84.0

5
Loans and leases in bank credit
1,022.3
1,030.2
1,035.4
1,041.0
1,059.0
1,063.6
6
Commercial and industrial
183.3
185.3
186.1
188.2
191.6
192.4
7
Real estate
528.4
532.8
539.2
544.0
559.1
560.8
8
Revolving home equity
29.6
30.0
30.3
30.8
32.2
32.4
9
Other
498.9
502.8
508.9
513.2
526.9
528.5
10
Consumer
240.3
241.1
238.5
236.5
235.5
236.1
11
Security (3)
5.0
5.1
4.9
5.1
5.0
5.1
12
Other loans and leases
65.2
65.9
66.6
67.2
67.9
69.3
13
53.6
54.3

Interbank loans
55.2
54.4
55.1

57.5

61.7

55.7

55.4
54.2

50.8
57.9

14
68.7
71.3

Cash assets (4)
68.6
68.9
68.6

69.7

70.1

70.4

65.9
70.3

67.5
71.0

15
56.8
66.1

Other assets (5)
58.5
57.2
68.7

16 TOTAL ASSETS (6)
1,592.4
1,603.6
1,611.0
1,652.1
1,658.2

49.3
68.7

56.3
66.8

59.2

65.9

67.4

1,621.5

1,648.0

1,533.5
1,579.3
1,653.6
1,650.4
1,654.4

1,261.2

1,281.7

1,206.2
1,216.2
1,292.2
1,290.8
1,302.1

316.2

319.2

320.2

331.1
315.3

314.3
325.8

945.0

962.5

972.0

875.0
975.6

902.0
976.3

150.0

151.0

149.8

148.1
150.2

143.1
149.3

795.0

811.4

822.2

726.9
825.3

758.9
827.0

180.4

144.4
179.1

165.2
176.2

88.6

79.0
88.1

86.9
84.5

91.9

65.3
91.1

78.3
91.7

4.3

5.1
4.7

3.4
4.2

27.0
26.1

28.7
25.4

L I A B I L I T I E S
17 Deposits
1,228.9
1,233.3
1,247.6
1,284.9
1,291.0
18
Transaction
316.4
315.4
315.0
321.0
319.7
19
Nontransaction
912.6
917.8
932.6
963.9
971.3
20
Large time
145.6
147.0
148.5
149.8
149.9
21
Other
767.0
770.8
784.1
814.1
821.4

22 Borrowings
167.8
169.1
170.6
172.1
177.3
181.7
187.8
23
From banks in the U.S.
87.7
85.7
87.1
87.2
88.5
89.9
94.1
24
From others
80.1
83.4
83.5
84.9
88.8
91.8
93.7
25
Net due to related foreign offices
2.2
2.7
4.0
4.0
3.9
4.0
4.0
26
29.0
26.8

Other liabilities
29.2
27.9
26.2

27 TOTAL LIABILITIES
1,427.8
1,434.3
1,450.1
1,497.3
1,509.0

28.0

27.8

26.1

1,465.3

1,490.7

1,382.6
1,413.5
1,503.0
1,500.8
1,507.9

28 Residual (assets less liabilities) (7)
164.5
169.3
160.9
156.2
157.3
154.9
149.2

150.6

150.9
149.7

165.8
146.5

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

1997

1997

1997

1997

Dec
Apr 30

Jan

Feb

Mar

Apr

Apr 9

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

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

--------

--------

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

1,450.2

1,466.3

1,384.1
1,427.9
1,481.0
1,476.2
1,480.4

420.4

425.8

413.9
425.4

412.1
425.7

338.0

341.5

333.7
341.2

331.8
341.4

82.4

84.3

80.3
84.2

80.2
84.2

(2)
1,045.9

1,055.3

970.1
1,015.8
1,050.8
1,054.8

190.5

192.6

175.7
191.3

180.9
192.5

549.3

555.4

498.1
553.0

525.7
554.7

31.2

31.8

26.2
31.5

29.3
31.8

518.1

523.6

471.8
521.5

496.4
522.9

234.4

235.1

228.9
233.7

238.5
234.5

5.4

5.1

5.5
5.5

4.8
5.4

66.3

67.1

62.0
67.3

65.8
67.7

1
Bank credit
1,435.6
1,444.8
1,483.3
1,486.7
2
410.1
426.5
3
329.9
342.2
4
80.2
84.3

1,449.3

Securities in bank credit
411.4
414.4
413.1
426.2
U.S. government securities
331.4
333.6
332.7
341.8
Other securities
80.0
80.8
80.4
84.4

5
Loans and leases in bank credit
1,025.5
1,033.3
1,034.9
1,037.1
1,056.8
1,060.5
6
Commercial and industrial
182.6
184.8
186.1
187.9
193.3
193.8
7
Real estate
530.7
534.8
538.8
541.5
556.5
558.3
8
Revolving home equity
29.7
30.1
30.3
30.6
31.9
32.2
9
Other
501.0
504.7
508.6
510.9
524.6
526.1
10
Consumer
241.0
242.0
239.5
237.3
235.9
236.5
11
Security (3)
5.3
5.3
5.1
5.3
4.7
4.7
12
Other loans and leases
65.9
66.5
65.4
65.2
66.3
67.1

Week ending
Apr
Oct
Apr 16
Apr 23

13
58.4
49.5

Interbank loans
58.2
55.6
48.0

59.5

61.7

56.1

55.9
63.4

51.1
61.5

14
71.4
67.7

Cash assets (4)
72.2
71.0
68.3

69.0

68.0

69.1

64.5
68.9

68.6
70.9

15
57.4

Other assets (5)
59.2
58.2

60.5

64.9

66.5

48.5
67.1

56.0
65.2

Nov

63.4

70.0

16 TOTAL ASSETS (6)
1,602.0
1,613.7
1,613.5
1,643.3
1,652.2

1,640.4

1,532.4
1,582.9
1,652.0
1,654.9
1,657.4

1,251.6

1,276.8

1,208.6
1,218.5
1,294.5
1,304.1
1,310.0

312.4

314.9

320.5

331.6
321.5

314.8
331.0

939.2

961.8

973.9

876.9
982.7

903.7
979.0

150.6

151.8

150.7

149.1
151.6

143.5
150.2

788.5

810.0

823.2

727.9
831.1

760.2
828.8

177.7

141.7
171.3

165.3
172.4

87.7

77.9
83.8

86.3
83.8

90.1

63.8
87.5

79.0
88.6

4.3

5.1
4.7

3.4
4.2

27.3
26.4

28.7
25.7

1,618.7

L I A B I L I T I E S
17 Deposits
1,236.5
1,246.4
1,245.2
1,277.5
1,284.9
18
Transaction
320.0
326.4
318.7
314.8
315.2
19
Nontransaction
916.5
920.0
926.5
962.6
969.7
20
Large time
145.9
146.1
147.2
150.6
150.6
21
Other
770.6
773.9
779.2
812.1
819.1

22 Borrowings
166.2
168.5
172.2
170.7
171.5
181.2
187.2
23
From banks in the U.S.
85.8
85.1
86.8
85.2
84.6
90.0
93.8
24
From others
80.4
83.4
85.5
85.5
87.0
91.2
93.4
25
Net due to related foreign offices
2.2
2.7
4.0
4.0
3.9
4.0
4.0
26
28.9
27.0

Other liabilities
28.7
28.2
26.5

27 TOTAL LIABILITIES
1,433.7
1,446.4
1,449.6
1,489.7
1,502.7

28.4

28.2

26.4

1,454.6

1,480.4

1,382.6
1,415.9
1,502.8
1,506.5
1,512.3

MEMO
28 Residual (assets less liabilities) (7)
168.3
167.2
163.9
164.1
160.0
153.6
149.6
31 Mortgage-backed securities (9)
48.5
49.2
50.6
50.2
51.7
52.8
52.9

149.2
52.7

149.8
148.5

167.1
145.1

-52.6

48.3
52.6

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

1997

Dec
Apr 30

Jan

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

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

1
Bank credit
493.8
505.1
534.6
554.8

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

1997

Mar

Apr

Apr 9

--------

--------

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

532.7

528.3

537.3

453.7
528.3

480.5
536.7

172.3

177.4

146.0
175.5

148.6
176.6

83.3

87.7

72.6
86.7

82.6
85.7

89.0

89.6

73.4
88.8

65.9
90.8

(2)
356.0

359.9

307.7
352.7

331.9
360.1

217.7

218.6

186.2
217.3

205.9
219.7

32.0

31.9

33.6
31.7

32.7
32.1

39.5

43.0

32.2
38.4

32.9
42.6

66.7

66.4

55.7
65.4

60.4
65.7

Feb

1997

516.9

2
157.8
174.5
3
87.0
86.1
4
70.8
88.4

Securities in bank credit
164.4
170.2
176.7
183.9
U.S. government securities
87.6
81.7
85.2
92.7
Other securities
76.9
88.4
91.5
91.2

5
336.0
360.1
6
208.1
219.3
7
32.4
32.3
11
35.0
42.8
12
60.4
65.7

Loans and leases in bank credit
340.7
346.8
356.0
371.0
Commercial and industrial
213.1
214.9
218.2
219.6
Real estate
32.0
32.0
32.3
31.7
Security (3)
36.2
38.0
39.6
50.4
Other loans and leases
59.4
61.8
65.8
69.3

13
20.2
21.9

Interbank loans
21.8
23.4
23.7

22.3

24.9

20.8

22.0
19.4

20.6
15.7

14
30.9
34.0

Cash assets (4)
31.1
31.2
34.5

33.1

32.8

33.2

26.4
33.0

29.7
32.1

15
36.2
41.0

Other assets (5)
37.0
38.8
40.0

42.2

42.2

40.4

44.8
41.3

33.7
39.4

630.1

628.0

631.5

546.9
621.7

564.4
623.7

16 TOTAL ASSETS (6)
580.9
594.7
610.0
631.3
652.8
L I A B I L I T I E S

17 Deposits
203.9
219.5
226.9
263.2
266.0
18
Transaction
10.2
10.2
10.4
11.3
11.0
19
Nontransaction
193.7
209.3
216.5
251.9
255.0
20
Large time
190.0
205.1
216.4
249.0
247.9
21
Other
3.7
4.2
0.1
2.9
7.1

240.9

171.1
261.9

197.4
265.0

10.3
11.2

10.4
11.1

252.0

160.8
250.7

187.0
254.0

233.3

247.7

158.0
247.6

184.4
249.6

3.0

4.3

2.9
3.1

2.6
4.3

128.5
135.3

117.0
144.9

33.2

36.9
33.9

31.8
35.7

108.5

91.6
101.4

85.1
109.2

172.2
141.0

167.7
126.7

73.4
90.9

74.6
88.8
556.6
625.5

247.1

263.1

10.8

11.1

230.9

236.3

228.6
2.3

9.9

22 Borrowings
125.1
121.2
130.5
143.9
141.3
139.5
149.8
23
From banks in the U.S.
32.7
32.4
27.8
33.8
34.8
29.7
33.7
24
From others
92.4
88.8
102.7
110.1
106.5
109.8
116.1
25
Net due to related foreign offices
167.1
162.3
150.9
140.4
142.2
136.8
130.2
26
80.0
89.5

Other liabilities
82.8
89.9
96.8

27 TOTAL LIABILITIES
576.1
585.9
598.3
629.0
642.9
28
4.7
2.3

141.7

134.7

99.6

93.3

91.3

624.7

623.9

630.8

545.2
629.1

0.6

1.7
-7.4

Residual (assets less liabilities) (7)
8.8
11.8
5.4
4.1
9.9

7.7
-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

1997

Dec
Apr 30

Jan

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

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

1
Bank credit
493.4
501.1

Feb

513.9

1996
1996
1996
Week ending
Apr
Oct
Nov
Apr 16
Apr 23

1997

1997

Mar

Apr

Apr 9

--------

--------

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

533.3

528.2

537.5

452.7
530.3

479.2
535.9

533.9
2
157.5
173.6
3
87.0
84.5
3a
21.8
16.7
3b
65.2
67.8
4
70.5
89.1
4a
51.6
62.3
4b
18.9
26.7
5
335.9
360.3
6
207.9
220.4
7
32.9
31.8
11
35.0
42.8
12
60.1
65.3

554.7
Securities in bank credit
158.0
166.0
177.6
184.8
U.S. government securities
85.1
82.7
87.0
92.6
Trading account
19.9
17.0
21.4
20.8
Investment account
65.3
65.7
65.6
71.9
Other securities
72.9
83.3
90.7
92.1
Trading account
54.0
61.4
67.9
65.2
Investment account
18.9
22.0
22.7
26.9
Loans and leases in bank credit
343.0
347.9
355.7
369.9
Commercial and industrial
213.5
214.8
218.2
220.5
Real estate
32.2
32.0
32.4
31.2
Security (3)
36.2
38.0
39.6
50.4
Other loans and leases
61.2
63.1
65.5
67.9

145.5
178.9

148.5
175.7

87.2

71.8
86.5

82.1
85.1

19.9

18.6

-18.8

18.7
17.2

66.3

68.7

-67.6

63.4
67.9

86.9

90.8

73.6
92.4

66.3
90.6

63.2

64.2

-65.8

47.9
64.2

23.7

26.6

-26.6

18.4
26.5

(2)
355.1

359.5

307.2
351.4

330.7
360.2

217.3

219.3

186.8
217.1

204.7
220.6

32.0

31.5

33.2
31.4

32.9
31.7

39.5

43.0

32.2
38.4

32.9
42.6

66.2

65.7

55.0
64.6

60.2
65.3

173.1

178.0

86.2

13
20.2
21.9

Interbank loans
21.8
23.4
23.7

22.3

24.9

20.8

22.0
19.4

20.6
15.7

14
31.1
33.0

Cash assets (4)
32.2
31.6
33.8

32.4

32.2

32.3

25.7
31.6

30.1
31.5

15
36.5
39.5

Other assets (5)
37.7
38.0
40.2

43.0

41.6

38.9

43.2
38.2

33.4
37.9

630.8

626.7

629.3

543.6
619.3

563.1
620.8

167.0

202.7

16 TOTAL ASSETS (6)
581.0
592.6
606.7
628.0
652.2
L I A B I L I T I E S
17

Deposits

206.5
257.4
18
10.2
10.7
19
196.3
246.7
20
193.9
244.3
21
2.4
2.4

222.2
227.1
263.0
Transaction
10.9
10.4
10.9
Nontransaction
211.3
216.6
252.0
Large time
208.5
214.4
244.8
Other
2.8
2.2
7.3

237.7

246.9

256.6

252.5

10.1

10.6

10.7

9.9
10.6

227.5

236.4

245.9

157.1
241.9

192.3
245.5

223.7

232.8

242.2

154.7
239.5

190.0
242.5

3.8

3.5

3.7

2.4
2.4

2.3
3.1

130.3
137.7

113.6
149.1

33.4

37.0
34.3

29.4
37.5

110.8

93.3
103.4

84.3
111.5

170.0
132.6

167.6
121.0

73.1
90.4

73.1
88.4

540.4
613.2

557.0
614.6

5.7

3.2
6.1

6.1
6.2

42.4

-44.3

29.9
41.7

42.7

-43.5

29.3
42.1

22 Borrowings
121.7
120.1
127.2
137.3
135.4
143.2
151.0
23
From banks in the U.S.
32.8
33.1
28.8
31.6
33.2
28.7
33.1
24
From others
88.9
87.0
98.5
105.7
102.1
114.5
117.9
25
Net due to related foreign offices
166.8
163.9
159.6
149.5
146.8
134.0
134.0
26
80.6
88.7

Other liabilities
81.5
89.1
98.0

27 TOTAL LIABILITIES
575.5
587.7
603.0
623.3
646.0

102.0

626.5

144.2

131.6

93.1

91.1

622.2

623.5

28
5.5
4.7

Residual (assets less liabilities) (7)
4.9
3.6
4.2
4.5
6.2

29
32.4
40.6
30
31.5
41.3

MEMO
Reval. gains on off-bal. sheet items (8)
33.4
41.6
47.0
43.0
43.3
Reval. losses on off-bal. sheet items (8)
32.5
40.8
47.2
43.1
44.4

256.1
10.4
10.5

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 30, 1997.
Federa
l Reserve Distict
National
___________________________________________________________

York

Philadelphia
Cleveland Richmond
ASSETS
1 Bank credit
361.2
101.5
167.3
191.3
2
Securities in bank credit (14)
3
3a
3b
81.0
3c
57.7
3d
23.2
3e
4.7
3f
12.3
3g
6.2
4
4a
4b
19.7
4c
7.5
4d
12.2
5
260.5
6
69.9
6a
0.7
6b
69.3
7
101.9
8
8.0
9a
65.9
9b
28.0
10
36.6
11
19.2
11a
8.5
11b
10.7
12a

total
Atlanta
211.5

294.9

Trading account (14)

Trading account (14)

93.7

427.7

U.S. government securities (14)

Investment account
5.6
22.9
33.3
Mortgage-backed
2.6
17.7
20.3
Other
3.0
5.2
13.0
1 year or less
0.9
0.7
2.9
Between 1 and 5 years
1.8
3.2
7.7
More than 5 years
0.3
1.3
2.4
Other securities (14)

1,892.4

Boston

18.9
29.6
19.5
10.1
2.8
5.9
1.3

276.0

16.8

176.6

7.4

99.4

9.4

28.1

3.7

53.0

5.0

18.3

0.7

132.7
67.6

Investment account
65.2
1.8
6.1
5.9
7.7
State and local government
20.9
0.5
0.6
1.0
2.0
Other
44.3
1.3
5.5
4.9
5.7
Loans and leases in bank credit (2)
1,464.7
94.1
138.4
152.2
174.3
Commerical and industrial
408.8
15.6
41.1
36.8
40.8
Bankers acceptances
1.4
0.0
0.0
0.1
0.0
Other
407.4
15.6
41.1
36.7
40.8
Real estate
573.3
28.5
49.9
77.9
82.5
Revolving home equtiy
57.1
3.2
5.8
7.5
6.2
Other residential
332.9
20.7
29.7
46.6
48.2
Commercial
183.3
4.5
14.4
23.9
28.0
Consumer
283.3
43.1
30.7
19.4
37.2
Security (3)
42.5
0.1
1.0
3.4
1.4
Fed funds and RPs with broker/dealer
23.5
0.0
0.0
3.2
1.0
Other
19.0
0.1
0.9
0.2
0.4
State and local government
10.8

5.9
2.0
3.9
71.0
28.4
0.1
28.3
20.8
3.1
9.7
7.9
5.8
6.3
5.8
0.5
0.2

New

1.5
12b
0.1
12c
2.2
12d
15.9
12e
13.2
13
46.7
13a
26.8
13b
19.9
14
32.0
15
115.3
16
543.9

0.8
1.2
1.8
Agricultural
0.1
0.2
0.6
Fed funds and RPs with others
0.0
0.4
0.8
All other loans
1.4
3.8
4.9
Lease financing receivables
4.6
10.0
6.5
Interbank loans
1.7
9.1
11.4
Fed funds and RPs with banks
1.6
5.6
8.1
Other
0.1
3.5
3.3
Cash assets(4)
4.6
9.8
11.5
Other assets (12)
14.0
13.8
35.7
TOTAL ASSETS (6)
119.7
197.1
247.6

2.1
0.5
0.0
4.2
5.5
13.9
11.6
2.3
13.9
15.0
251.3

7.7

0.0

5.5

1.3

64.2

3.4

68.6

4.9

134.5

6.5

84.8

2.5

49.7

4.0

140.9

7.8

207.5

14.8

2,339.9

121.3

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 30, 1997.
Federa

l Reserve Distict
National
___________________________________________________________
total
York
Philadelphia Cleveland Richmond
Atlanta
17
285.4
18
73.6
19
211.8
20
48.8
21
163.0
22
91.1
23
26.7
24
64.4
26
100.5
27
477.0

Deposits
66.2
Transaction
14.8
Nontransaction
51.4
Large time
10.6
Other
40.8
Borrowings
31.6
From banks in
15.5
From others
16.1
Other liabilities
9.8
TOTAL LIABILITIES
107.7

28
66.9

Residual (assets less liabilities (13)
12.0
14.7
17.1

120.8

129.2

174.1

28.8

30.5

34.7

92.0
10.3
81.7

98.6
13.3
85.4

139.4
19.8
119.6

46.1
the U.S.
19.1

61.8

42.7

23.6

24.9

27.0
(13)
15.4

38.2

17.7

39.5

13.2

182.3

230.5

230.0
21.2

Boston

New

1,385.3

66.0

380.2

23.4

1,005.1

42.6

163.0

6.4

842.0

36.2

461.6

31.4

194.3

8.8

267.4

22.6

263.5

13.2

2,110.4

110.5

229.4

10.8

29

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

47.7

30

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

43.1

31 Mortgage-backed securities (9)
61.9
4.1
19.4
23.2
31a
Pass-through
48.6
2.6
12.1
19.4
31b
CMO, REMIC and other
13.4
1.5
7.3
3.9
32 Net unrealized ganis (losses)
33

22.3
13.7
8.6

196.5

8.1

138.6

5.8

57.9

2.3

1.5

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

33.3

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 30, 1997.
Federa
l Reserve Distict

_______________________________

_______________________________________
Kansac City
Dallas
San Francisco
ASSETS
1 Bank credit
43.7
24.8
70.3
298.3
2
Securities in bank credit (14)

Chicago

St.Louis

Minneapolis

3
3a
3b
5.8
3c
1.5
3d
4.3
3e
0.5
3f
1.7
3g
2.1
4
4a
4b
0.6
4c
0.2
4d

201.6

40.5

29.9

6.8

13.5

4.0

16.4

2.8

8.9

0.4

5.7

1.9

1.9

0.4

6.5

1.0

3.4

0.7

3.1

0.3

U.S. government securities (14)
Trading account (14)
Investment account (14)
5.1
12.0
27.3
Mortgage-backed
3.6
9.9
18.9
Other
1.4
2.1
8.5
1 year or less
0.3
0.2
2.0
Between 1 and 5 years
1.1
1.6
5.1
More than 5 years
0.0
0.3
1.4
Other securities (14)
Trading account (14)
Investment accout (14)
0.8
1.8
7.4
State and local government
0.6
0.6
1.7
Other

0.4
5
37.3
6
9.1
6a
0.0
6b
9.1
7
7.6
8
0.5
9a
4.9
9b
2.3
10
15.7
11
1.7
11a
1.2
11b
0.5
12a
0.1
12b
0.3
12c
0.0
12d
1.9
12e
0.9
13
4.9
13a
4.7
13b
0.2
14
3.3
15
4.6
16
55.6

0.2
1.2
5.6
Loans and leases in bank credit (2)
19.0
56.5
263.6
Commerical and industrial
5.2
25.9
57.3
Bankers acceptances
0.0
0.0
0.2
Other
5.2
25.9
57.1
Real estate
6.8
14.7
118.1
Revolving home equtiy
0.5
0.3
15.6
Other residential
3.5
10.1
61.4
Commercial
2.9
4.4
41.1
Consumer
4.7
10.4
50.6
Security (3)
0.1
0.8
2.6
Fed funds and RPs with broker/dealer
0.0
0.5
0.9
Other
0.1
0.3
1.7
State and local government
0.1
0.1
1.5
Agricultural
0.5
0.2
4.7
Fed funds and RPs with others
0.0
0.0
0.2
All other loans
1.3
3.1
13.0
Lease financing receivables
0.2
1.4
15.7
Interbank loans
2.4
5.5
17.1
Fed funds and RPs with banks
2.1
2.6
4.4
Other
0.3
3.0
12.6
Cash assets(4)
3.3
11.0
24.9
Other assets (12)
3.5
6.8
43.0
TOTAL ASSETS
33.6
92.8
376.7

165.2

32.6

69.9

8.5

0.3

0.0

69.7

8.5

49.8

14.9

5.2

1.3

22.6

9.8

22.0

3.8

23.9

5.2

4.3

1.7

1.0

1.4

3.2

0.4

1.2

0.2

0.5

0.1

0.6

0.0

10.4

1.0

4.7

1.0

9.1

6.3

8.7

6.2

0.5

0.1

16.0

2.9

22.4

5.2

246.1

54.3

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 30, 1997.
Federa

l Reserve Distict
_______________________________________

_______________________________
Chicago

St.Louis

Minneapolis

Kansas City

Dallas

San Francisco

17
23.8
18
9.5
19
14.3
20
1.2
21
13.1
22
19.8
23
15.1
24
4.6
26
7.5

Deposits
25.1
66.2
Transaction
7.1
20.9
Nontransaction
17.9
45.2
Large time
1.5
4.6
Other
16.5
40.6
Borrowings
3.7
13.1
From banks in the U.S.
2.6
3.7
From others
1.1
9.5
Other liabilities (13)
0.9
5.1

27
51.0

TOTAL LIABILITIES
29.7

28
4.6

Residual (assets less liabilities (13)
3.9
8.4
42.3

84.4

256.8
87.1
169.7
24.7
145.0
48.1
25.4
22.7

334.4

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

30

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

33

29.2

42.7

7.0

99.8

22.2

19.2

2.7

80.6

19.5

55.5

16.7

16.5

12.3

39.0

4.4

25.9

3.0

223.9

49.0

22.1

5.4

15.4

4.2

8.1

2.7

7.4

1.6

29.5

29

31 Mortgage-backed securities (9)
1.6
3.7
10.4
31a
Pass-through
1.3
2.7
9.0
31b
CMO, REMIC and other
0.2
0.9
1.4
32 Net unrealized ganis (losses)

142.5

22.1
12.7
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.