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
March 14, 1997
Account
1996

1996

1996

Oct
Mar 5

Nov

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

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

1
Bank credit
3,693.0
3,718.8
3,847.5
3,854.5

Dec

3,743.3

1997

Jan

Feb

--------

--------

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

3,770.6

3,805.7

3,645.6
3,674.5
3,844.1
3,840.0
3,850.3

2
Securities in bank credit
968.9
970.4
982.3
992.5
1,005.5
1,020.0
1,015.1
3
U.S. government securities
703.4
703.9
707.9
707.4
706.1
702.2
702.5
4
Other securities
265.5
266.5
274.4
285.1
299.4
317.8
312.6
5
Loans and leases in bank credit
2,724.1
2,748.4
2,761.1
2,778.1
2,827.5
2,839.3
6
Commercial and industrial
761.0
770.6
776.2
787.0
805.0
806.3
7
Real estate
1,112.2
1,116.1
1,120.8
1,125.9
1,137.0
1,144.1
8
Revolving home equity
81.2
83.2
84.2
85.3
86.6
86.7
9
Other
1,031.0
1,032.9
1,036.7
1,040.7
1,050.4
1,057.4
10
Consumer
515.8
518.1
518.8
519.0
519.9
516.4
11
Security (3)
73.8
76.6
77.4
79.0
82.9
88.3
12
Other loans and leases
261.4
266.9
267.8
267.1
282.7
284.3
13 Interbank loans
205.3
203.9
212.4
205.4
211.4

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

1997

204.6

Feb 12

1,022.5

1,000.1
1,024.2

972.1
1,027.5

703.2

710.9
705.2

702.2
700.7

319.3

289.2
318.9

269.9
326.9

(2)
2,800.2

2,645.5
2,702.4
2,821.6
2,815.9
2,822.8

791.1

800.9

1,131.7

1,090.9
1,109.4
1,137.3
1,137.6
1,136.9

85.8

86.4

1,045.9

1,011.2
1,028.9
1,051.0
1,051.4
1,050.5

521.1

519.0

82.5

83.8

273.8

198.1

724.2
797.3

79.7
86.2

746.9
803.2

80.5
86.4

497.4
518.5

512.8
519.8

87.6
84.3

72.3
81.3

280.5

245.4
278.2

261.0
281.7

203.9

191.9
201.8

197.6
201.6

14 Cash assets (4)
224.2
226.2
232.9
229.2
235.3

232.4

232.1

231.6

219.2
228.9

223.3
239.0

15 Other assets (5)
260.1
254.4
262.0
285.5
295.2

271.6

266.3

280.1

233.7
276.2

257.8
281.8

16 TOTAL ASSETS (6)
4,323.8
4,338.4
4,385.9
4,511.3
4,540.1

4,414.7

4,438.2

4,233.8
4,295.8
4,498.2
4,483.3
4,508.4

2,859.1

2,876.1

2,678.6
2,751.0
2,899.6
2,885.5
2,920.8

719.1

715.1

705.6

2,140.0

2,161.0

1,913.9
2,017.6
2,194.0
2,189.2
2,195.5

509.4

520.1

535.4

1,630.5

1,640.9

1,486.7
1,558.8
1,658.6
1,656.2
1,657.8

L I A B I L I T I E S
17 Deposits
2,772.3
2,782.3
2,822.8
2,886.8
2,915.4
18
Transaction
725.4
715.3
719.7
694.0
694.2
19
Nontransaction
2,046.8
2,067.0
2,103.1
2,192.8
2,221.2
20
Large time
471.8
480.1
490.6
537.5
538.8
21
Other
1,575.1
1,586.9
1,612.5
1,655.3
1,682.4

22 Borrowings
706.4
688.3
708.6
707.3
727.9
736.0
745.5
23
From banks in the U.S.
295.4
290.3
303.1
308.3
305.1
295.8
326.6
24
From others
411.0
398.0
405.5
399.1
422.8
440.2
418.8
25
Net due to related foreign offices
251.0
244.3
238.1
231.2
222.1
217.6
237.4

764.7
696.3

427.3
533.0

733.3
725.4

458.8
537.7

743.4

694.3
755.3

701.5
739.4

311.5

295.2
325.2

290.1
306.6

431.9

399.1
430.1

411.4
432.8

220.2

270.6
226.0

247.7
211.2

233.4
289.9

222.2
294.2

26 Other liabilities
221.8
243.8
253.2
283.2
283.1

260.8

269.1

287.1

27 TOTAL LIABILITIES
3,951.5
3,958.7
4,022.8
4,123.6
4,181.4

4,058.4

4,095.2

3,876.9
3,922.4
4,150.2
4,156.7
4,165.6

28 Residual (assets less liabilities) (7)
372.4
379.7
363.1
356.3
343.0
387.7
358.7
H.8 (510)

pg.2

348.0

356.8
326.6

373.3
342.8

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

1996

1996

Oct
Mar 5

Nov

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

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

1
Bank credit
3,695.4
3,720.5
3,832.8
3,855.9

Dec

3,747.6

1997

Jan

Feb

--------

--------

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

3,769.4

3,804.0

3,638.5
3,675.7
3,837.0
3,838.1
3,838.8

2
Securities in bank credit
969.6
970.3
980.9
978.4
1,014.0
1,021.4
3
U.S. government securities
704.4
704.4
708.3
703.2
700.4
705.4
4
Other securities
265.1
265.9
272.6
275.2
313.6
316.0

14 Cash assets (4)
221.5
227.1
239.9

Feb 12

996.7

1,019.1

996.3
1,023.1

976.5
1,021.9

700.1

701.9

708.7
704.5

704.5
699.5

296.5

317.2

287.6
318.6

271.9
322.4

(2)
2,807.3

2,642.2
2,699.2
2,817.9
2,815.0
2,816.9

788.8

800.6

1,133.7

1,087.8
1,110.9
1,134.3
1,136.7
1,132.7

85.8

86.0

1,047.9

1,008.6
1,030.1
1,048.3
1,050.8
1,046.7

526.7

519.7

81.7

85.0

276.4

213.9

248.6

5
Loans and leases in bank credit
2,725.9
2,750.2
2,766.7
2,790.9
2,818.9
2,834.5
6
Commercial and industrial
755.9
767.0
774.4
784.0
804.9
808.2
7
Real estate
1,115.2
1,119.2
1,125.1
1,130.8
1,131.6
1,139.0
8
Revolving home equity
81.8
83.7
84.6
85.4
86.1
86.2
9
Other
1,033.4
1,035.5
1,040.5
1,045.4
1,045.6
1,052.8
10
Consumer
517.9
518.3
519.2
523.8
519.0
513.0
11
Security (3)
73.0
76.5
78.8
80.3
84.4
90.8
12
Other loans and leases
263.8
269.2
269.2
272.1
279.0
283.5
13 Interbank loans
199.6
198.7
216.7
203.1
217.5

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

1997

723.8
796.8

79.3
86.0

743.0
801.9

80.8
86.0

498.1
520.2

513.1
520.5

88.9
85.1

70.8
82.7

278.4

243.6
276.1

261.3
279.2

207.9

208.3

196.1
208.9

192.9
205.2

242.4

232.8

220.1
220.7

212.3
252.1

232.9

230.1

15 Other assets (5)
262.6
251.8
260.8
284.1
294.7

271.5

266.9

279.9

234.1
275.9

260.8
279.9

16 TOTAL ASSETS (6)
4,320.0
4,333.3
4,400.0
4,496.7
4,542.0

4,438.7

4,457.3

4,232.2
4,284.2
4,496.5
4,479.8
4,511.6

2,891.2

2,880.0

2,664.3
2,740.4
2,884.6
2,866.0
2,909.1

752.2

726.5

698.6

2,139.1

2,153.4

1,907.3
2,020.0
2,185.9
2,181.9
2,185.3

509.6

516.7

533.3

1,629.4

1,636.7

1,480.9
1,560.9
1,652.6
1,650.6
1,651.3

L I A B I L I T I E S
17 Deposits
2,772.8
2,787.1
2,839.9
2,866.2
2,912.9
18
Transaction
723.9
713.0
729.9
683.0
692.5
19
Nontransaction
2,048.9
2,074.1
2,110.0
2,183.2
2,220.4
20
Large time
469.8
485.6
495.1
537.2
537.6
21
Other
1,579.2
1,588.5
1,614.9
1,646.1
1,682.8

22 Borrowings
710.7
680.6
698.4
699.7
722.1
728.9
722.8
23
From banks in the U.S.
297.9
283.7
296.8
303.0
299.3
296.7
307.9
24
From others
412.8
397.0
401.5
396.7
422.8
432.2
415.0
25
Net due to related foreign offices
245.2
245.9
235.3
230.1
232.5
238.6
238.6

757.0
684.1

426.4
531.3

720.4
723.8

459.1
534.0

727.0

684.4
725.3

707.2
727.1

299.1

289.6
298.9

295.4
297.6

427.9

394.7
426.4

411.8
429.5

231.0

278.1
232.2

243.4
225.2

235.0
293.1

221.6
294.7

26 Other liabilities
222.3
242.9
257.0
285.5
285.4

256.7

266.3

288.9

27 TOTAL LIABILITIES
3,951.0
3,956.5
4,030.6
4,119.2
4,159.8

4,077.7

4,100.9

3,861.8
3,912.6
4,131.5
4,116.6
4,156.0

28 Residual (assets less liabilities) (7)
369.0
376.8
369.5
360.9
356.4
377.5
382.2

364.9

MEMO
Reval. gains on off-bal. sheet items (8)
-62.3
65.5
69.5
88.2
103.0
100.2
101.5
30 Reval. losses on off-bal. sheet items (8)
29

370.5
363.2

371.6
355.6

-104.6

-107.5

--

--

-94.8

58.3
97.1

60.5

64.2

83.9

98.2

100.6

102.8

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

1996

1996

Oct
Mar 5

Nov

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

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

1
Bank credit
3,225.5
3,237.0
3,306.4
3,312.9
2
822.4
841.1
3
620.4
614.4
4
201.9
226.6

Dec

3,246.2

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

1997

1997

Jan

Feb

--------

--------

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

3,260.3

3,283.8

3,194.2
3,210.0
3,304.6
3,300.1
3,308.9

834.0

843.0

853.4
842.8

824.6
846.3

623.2

616.7

640.0
618.5

621.3
614.0

210.8

226.3

213.5
224.3

203.3
232.2

Securities in bank credit
821.0
822.6
825.2
839.7
U.S. government securities
620.8
619.9
618.2
616.2
Other securities
200.2
202.7
207.0
223.5

Feb 12

5
Loans and leases in bank credit (2)
2,340.7
2,385.5
2,403.1
2,416.0
2,423.6
2,435.1
2,449.7
2,461.5
2,457.4
2,462.6
2,465.3
2,473.1
6
Commercial and industrial
540.1
552.6
560.3
563.5
565.3
569.5
571.1
577.4
575.1
578.3
580.3
580.4
7
Real estate
1,056.5
1,076.4
1,079.4
1,083.3
1,088.1
1,093.4
1,099.2
1,104.4
1,104.7
1,103.9
1,104.0
1,111.0
8
Revolving home equity
79.7
80.5
81.2
83.2
84.2
85.3
85.8
86.4
86.2
86.4
86.6
86.7
9
Other
976.8
995.8
998.2
1,000.0
1,003.9
1,008.2
1,013.4
1,018.0
1,018.5
1,017.5
1,017.4
1,024.2
10
Consumer
497.4
512.8
515.8
518.1
518.8
519.0
521.1
519.0
518.5
519.8
519.9
516.4
11
Security (3)
52.1
42.5
44.7
44.0
42.9
43.6
45.4
45.2
45.1
44.2
44.8
46.9
12
Other loans and leases
194.6
201.3
203.0
207.1
208.6
209.5
212.9
215.5
214.1
216.4
216.3
218.5
13

Interbank loans

173.0

181.2

185.0
180.5

182.9
192.9

191.5

181.8

174.3

181.4

179.4

180.0

14 Cash assets (4)
194.7
196.4
201.8
195.1
198.7

200.9

200.2

197.7

190.1
195.3

194.8
204.8

15 Other assets (5)
219.0
220.6
225.5
243.0
248.2

234.2

227.0

237.3

184.7
233.6

214.1
239.0

16 TOTAL ASSETS (6)
3,765.5
3,772.1
3,800.5
3,868.9
3,896.6

3,812.8

3,821.5

3,685.4
3,742.8
3,859.7
3,845.0
3,868.6

2,637.9

2,645.7

2,510.2
2,570.7
2,655.5
2,643.3
2,673.7

708.3

704.3

695.2

1,929.6

1,941.5

1,756.0
1,847.9
1,960.3
1,957.0
1,959.7

303.0

303.0

307.2

1,626.6

1,638.5

1,482.8
1,555.7
1,653.1
1,650.5
1,651.5

L I A B I L I T I E S
17 Deposits
2,586.3
2,584.5
2,617.8
2,641.0
2,667.0
18
Transaction
715.7
704.8
709.2
684.1
683.6
19
Nontransaction
1,870.6
1,879.7
1,908.6
1,956.9
1,983.4
20
Large time
298.9
295.4
299.7
307.2
308.3
21
Other
1,571.7
1,584.3
1,609.0
1,649.6
1,675.1

22 Borrowings
583.6
569.6
580.4
581.7
594.4
587.2
599.1
23
From banks in the U.S.
261.4
256.9
267.6
272.0
273.4
257.8
282.6
24
From others
322.1
312.7
312.7
309.6
321.1
329.4
316.4
25
Net due to related foreign offices
74.7
76.6
70.9
68.9
72.0
77.8
82.4

754.3
686.3

273.1
306.5

722.9
714.0

292.2
308.1

596.2

575.7
611.5

572.9
589.1

273.1

265.0
289.6

255.6
267.1

323.2

310.7
321.9

317.3
322.0

90.5
85.0

74.5
76.4

155.7
184.9

152.8
192.5

79.3

26 Other liabilities
153.1
169.1
173.0
187.3
184.0

177.7

179.8

187.2

27 TOTAL LIABILITIES
3,397.7
3,399.7
3,442.1
3,493.3
3,532.5

3,466.2

3,492.0

3,332.1
3,370.9
3,518.3
3,524.7
3,531.8

28 Residual (assets less liabilities) (7)
367.8
372.4
358.4
346.6
329.5
375.6
364.1

341.4

353.3
320.3

371.9
336.9

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

1996

1996

Oct
Mar 5

Nov

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

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

1
Bank credit
3,229.2
3,240.0
3,293.4
3,309.4
2
824.2
835.6
3
622.6
611.8
4
201.6
223.8

Dec

3,250.9

1997

Jan

Feb

--------

--------

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

3,263.3

3,285.1

3,187.2
3,207.8
3,296.8
3,295.2
3,298.3

829.3

838.7

849.5
839.4

825.8
840.0

616.2

613.7

637.0
615.6

622.1
611.0

213.1

225.0

212.5
223.9

203.6
229.0

(2)
2,455.8

2,337.7
2,382.0
2,458.2
2,455.7
2,458.3

569.0

577.1

1,101.2

1,053.4
1,077.8
1,101.3
1,103.7
1,099.8

85.8

86.0

1,015.4

1,015.3

974.1
1,017.8

997.0
1,013.8

526.7

519.7

498.1
520.2

513.1
520.5

44.6

46.3

53.3
45.8

41.0
45.5

214.3

213.7

193.0
211.9

201.5
214.8

184.1

185.8

177.2
186.4

176.6
183.5

Securities in bank credit
821.0
821.6
817.7
840.9
U.S. government securities
621.9
620.3
616.5
615.7
Other securities
199.1
201.2
201.2
225.1

5
Loans and leases in bank credit
2,405.0
2,419.0
2,429.4
2,445.6
2,457.8
2,468.5
6
Commercial and industrial
556.4
561.1
563.5
566.1
580.3
582.8
7
Real estate
1,082.3
1,086.2
1,091.9
1,098.1
1,098.7
1,105.7
8
Revolving home equity
81.8
83.7
84.6
85.4
86.1
86.2
9
Other
1,000.5
1,002.4
1,007.3
1,012.7
1,012.6
1,019.5
10
Consumer
517.9
518.3
519.2
523.8
519.0
513.0
11
Security (3)
43.9
43.8
44.3
44.9
46.3
49.4
12
Other loans and leases
204.4
209.5
210.4
212.8
213.4
217.5
13 Interbank loans
179.3
177.7
195.8
178.2
199.1

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

1997

191.0

Feb 12

539.8
574.0

79.3
86.0

548.6
577.7

80.8
86.0

14 Cash assets (4)
192.6
197.0
208.6
199.5
194.6

216.1

210.2

199.6

191.6
187.8

183.8
219.1

15 Other assets (5)
221.1
218.3
224.0
240.6
246.8

233.3

228.3

236.2

184.2
232.0

216.3
236.8

16 TOTAL ASSETS (6)
3,763.2
3,768.3
3,814.5
3,855.8
3,893.9

3,839.2

3,844.0

3,683.8
3,726.9
3,857.2
3,837.9
3,873.6

2,667.4

2,649.4

2,497.7
2,561.6
2,643.7
2,626.8
2,667.4

740.7

715.6

688.1

1,926.6

1,933.8

1,751.4
1,851.5
1,955.6
1,952.9
1,955.3

299.7

301.7

310.0

1,626.9

1,632.1

1,476.1
1,558.6
1,645.7
1,643.0
1,643.9

L I A B I L I T I E S
17 Deposits
2,587.2
2,583.9
2,632.3
2,622.6
2,667.7
18
Transaction
713.7
702.4
719.4
672.9
682.1
19
Nontransaction
1,873.5
1,881.5
1,913.0
1,949.6
1,985.6
20
Large time
296.6
295.2
300.3
309.9
310.5
21
Other
1,576.9
1,586.3
1,612.7
1,639.8
1,675.1

22 Borrowings
586.7
565.3
573.5
575.0
591.7
590.0
579.9
23
From banks in the U.S.
264.6
252.8
261.3
266.0
266.3
262.7
266.0
24
From others
322.2
312.5
312.2
309.1
325.4
327.4
313.9
25
Net due to related foreign offices
70.9
78.2
68.4
66.2
73.6
84.9
84.9

746.3
673.9

275.3
309.9

710.2
712.1

292.9
311.3

586.6

571.1
585.7

573.6
586.8

263.1

261.2
264.3

260.3
262.2

323.6

309.9
321.4

313.3
324.6

92.4
83.4

72.2
78.3

155.4
184.8

151.8
191.7

81.1

26 Other liabilities
153.7
169.8
176.2
186.5
183.5

175.0

177.9

186.5

27 TOTAL LIABILITIES
3,398.6
3,397.1
3,450.5
3,484.1
3,516.0

3,483.6

3,492.6

3,316.6
3,359.3
3,497.9
3,480.7
3,524.1

28 Residual (assets less liabilities) (7)
364.7
371.1
364.0
355.6
351.4
371.7
377.9
29

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

359.3

367.1
357.2

--

367.7
349.5

--

-32.4
33.1
36.2
47.4
55.8
54.7
55.4
30 Reval. losses on off-bal. sheet items (8)
-28.9
28.9
31.8
43.9
50.8
49.3
50.7
31 Mortgage-backed securities (9)
-236.8
238.8
242.3
245.7
244.4
244.4
244.0

55.4

58.7

-50.9

-53.8

-245.9

-242.1

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

Oct
Mar 5

Nov

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

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

1
Bank credit
1,797.4
1,806.5
1,850.0
1,858.6

Dec

1,809.8

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

1997

1997

Jan

Feb

--------

--------

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

1,817.8

1,831.5

1,825.5
1,788.5
1,850.4
1,847.6
1,853.9

416.5

427.0

445.7
426.7

407.1
430.0

287.5

281.9

311.3
283.6

284.0
279.0

17.2

16.1

22.1
17.2

20.2
15.7

270.3

265.7

289.1
266.4

263.8
263.3

129.0

145.1

134.4
143.1

123.2
151.1

64.5

79.8

63.4
78.0

56.9
85.4

64.5

65.3

71.0
65.1

66.2
65.7

20.5

21.0

21.5
21.1

20.5
21.0

44.1

44.3

49.6
44.0

45.8
44.7

(2)
1,415.0

1,379.8
1,381.4
1,423.4
1,420.9
1,423.8

2
Securities in bank credit
405.5
405.9
408.8
411.2
425.9
423.4
3
U.S. government securities
283.7
286.0
286.6
284.9
280.4
281.3
3a
Trading account
20.9
21.2
21.5
19.4
15.1
16.2
3b
Investment account
262.8
264.8
265.1
265.5
265.3
265.0
4
Other securities
121.8
119.9
122.2
126.3
145.5
142.1
4a
Trading account
56.4
55.1
57.8
60.9
80.3
76.3
4b
Investment account
65.5
64.8
64.4
65.5
65.2
65.8
4c
State and local government
20.3
20.2
20.2
20.3
20.9
20.8
4d
Other
45.1
44.5
44.2
45.2
44.3
45.0
5
Loans and leases in bank credit
1,391.9
1,400.7
1,401.0
1,406.6
1,424.1
1,435.2

Feb 12

6
378.9
391.5
7
556.1
560.2
8
53.5
55.4
9
502.6
504.9
10
279.4
283.6
11
39.5
39.5
12a
10.8
11.0
12b
127.1
138.3

Commercial and industrial
381.6
381.9
384.5
392.1
Real estate
558.4
559.2
561.1
566.2
Revolving home equity
53.7
54.2
54.9
55.6
Other
504.7
505.0
506.2
510.6
Consumer
279.2
278.8
279.1
284.7
Security (3)
39.0
37.8
38.5
41.3
State and local government
10.9
11.1
11.3
10.9
All other
131.6
132.1
132.1
140.0

385.2

389.4

367.9
387.5

372.7
390.1

561.2

562.0

563.0
563.2

556.6
561.1

55.0

55.3

53.1
55.2

53.2
55.4

506.3

506.7

509.9
508.0

503.4
505.7

282.1

284.1

271.4
284.1

277.9
284.8

40.3

39.9

46.4
39.9

37.3
38.8

11.1

11.0

11.3
11.0

11.1
11.1

135.0

137.0

119.8
135.2

125.7
137.9

13 Interbank loans
133.8
132.0
137.9
122.9
129.9

126.8

119.9

123.7

112.4
123.1

131.9
121.8

14 Cash assets (4)
128.1
128.2
132.4
127.1
129.5

130.5

130.5

127.6

125.9
126.1

129.4
131.0

15 Other assets (5)
161.6
163.5
167.6
179.9
178.6

175.5

168.7

175.5

134.4
172.6

158.0
178.0

16 TOTAL ASSETS (6)
2,183.1
2,186.2
2,204.1
2,245.0
2,261.4

2,207.2

2,207.9

2,161.7
2,171.2
2,237.0
2,227.2
2,241.7

1,373.6

1,366.0

1,311.3
1,339.1
1,364.2
1,355.7
1,373.2

385.6

382.4

373.3

420.0
367.1

400.3
386.1

987.9

983.6

991.0

891.3
988.5

938.8
987.1

155.1

153.4

156.3

125.7
156.0

139.8
157.1

832.8

830.2

834.7

765.6
832.6

799.0
830.0

L I A B I L I T I E S
17 Deposits
1,345.6
1,355.1
1,366.5
1,355.0
1,376.3
18
Transaction
392.7
387.0
387.3
363.5
368.4
19
Nontransaction
952.9
968.1
979.1
991.5
1,007.9
20
Large time
146.5
151.8
153.4
156.0
156.7
21
Other
806.4
816.3
825.7
835.5
851.3

22 Borrowings
420.5
404.3
414.4
415.8
426.1
422.7
427.9
23
From banks in the U.S.
177.7
170.6
181.4
188.2
187.1
175.9
193.6
24
From others
242.8
233.7
233.0
227.6
239.0
246.8
234.3
25
Net due to related foreign offices
68.9
73.2
68.7
66.1
68.0
73.7
78.3

427.1

436.4
439.2

411.9
419.4

186.4

188.7
199.6

172.9
180.2

240.7

247.7
239.5

239.0
239.2

84.3
80.9

70.1
72.8

123.7
160.5

125.7
169.0

75.3

26 Other liabilities
126.3
141.2
146.2
162.1
157.9

151.9

155.5

162.7

27 TOTAL LIABILITIES
1,961.2
1,973.8
1,995.8
2,013.5
2,040.4

2,007.5

2,015.7

1,955.8
1,946.8
2,029.4
2,036.3
2,034.3

28 Residual (assets less liabilities) (7)
221.9
212.4
208.3
199.7
192.2
231.5
221.0

207.6

205.9
190.9

224.3
207.4

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

1997

1997

Oct
Mar 5

Nov

Jan

Feb

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

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

--------

--------

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

1,818.1

1,834.7

1,824.2
1,786.7
1,848.2
1,847.3
1,849.7

413.2

424.3

443.4
424.5

410.2
425.9

281.8

280.2

309.7
281.5

286.5
277.7

1996

1
Bank credit
1,797.1
1,807.0
1,842.8
1,861.4
2
406.9
421.6
3
285.3
278.9
3a
21.0
15.0
3b
264.3
263.9
4

Dec

1,812.9

Securities in bank credit
406.9
409.4
404.1
426.3
U.S. government securities
288.2
288.8
283.6
282.5
Trading account
22.0
22.7
18.1
17.8
Investment account
266.2
266.0
265.5
264.7
Other securities

16.3
265.5

Feb 12

16.3
263.9

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

22.5
17.3

20.9
16.4

287.2
264.2

265.6
261.3

133.7

123.7

121.6
118.8
120.6
120.5
142.8
143.7
4a
Trading account
56.1
53.5
55.4
54.4
77.5
77.9
4b
Investment account
65.5
65.3
65.3
66.1
65.2
65.8
4c
State and local government
20.3
20.2
20.3
20.4
20.9
20.8
4d
Other
45.2
45.0
44.9
45.7
44.3
45.0
5
Loans and leases in bank credit
1,390.2
1,400.1
1,403.5
1,413.9
1,421.2
1,435.2
6
Commercial and industrial
376.0
379.8
380.9
381.6
391.7
394.5
7
Real estate
556.9
559.1
560.8
563.9
557.6
564.1
8
Revolving home equity
53.7
54.0
54.5
54.9
55.1
55.2
9
Other
503.1
505.0
506.3
508.9
502.5
508.9
10
Consumer
280.6
278.7
278.6
283.0
282.4
282.4
11
Security (3)
38.9
38.9
39.0
39.5
41.1
43.5
12a
State and local government
10.9
10.9
11.2
11.2
11.0
10.9
12b
All other
126.9
132.6
133.1
134.8
137.4
139.8

131.4

144.1

143.0

148.2

66.4

78.7

62.6
77.8

57.8
82.5

65.0

65.4

71.1
65.3

65.9
65.7

20.5

21.0

21.4
21.1

20.3
21.0

44.6

44.4

49.7
44.2

45.6
44.7

(2)
1,421.5

1,380.8
1,376.5
1,423.9
1,422.8
1,423.8

383.0

389.4

367.9
386.9

369.9
389.9

563.6

561.5

562.6
564.6

556.9
559.9

55.1

55.1

53.0
55.1

53.4
55.2

508.6

506.4

509.6
509.5

503.5
504.7

286.8

284.0

271.4
284.4

278.3
284.6

39.4

40.9

47.5
40.4

35.9
40.1

11.0

11.0

11.2
10.9

11.2
11.1

137.7

137.2

120.2
135.6

124.3
138.3

13 Interbank loans
129.8
126.4
137.4
121.1
130.6

133.0

128.3

126.0

114.3
127.0

128.2
124.5

14 Cash assets (4)
127.5
127.7
136.5
131.5
126.1

141.8

138.3

130.3

128.1
121.9

120.8
143.9

15 Other assets (5)
163.1
161.4
165.5
176.5
176.6

174.1

169.1

173.0

132.6
170.4

160.0
174.1

16 TOTAL ASSETS (6)
2,179.5
2,178.7
2,208.5
2,236.9
2,259.5

2,223.4

2,227.9

2,162.7
2,158.9
2,237.3
2,224.2
2,249.1

L I A B I L I T I E S
17 Deposits
1,344.5
1,352.2
1,373.3
1,348.1
1,379.0
18
Tranlgdtion
391.5
384.1
393.9
358.6
366.4
19
Nontranlgdtion
953.0
968.1
979.5
989.5
1,012.6
20
Large time
144.5
151.2
153.7
157.6
158.3
21
Other
808.5
816.9
825.7
831.9
854.3

1,389.6

1,372.3

1,308.7
1,332.9
1,362.2
1,352.2
1,376.8

406.9

390.1

369.9

416.4
360.3

391.1
388.2

982.8

982.2

992.3

892.3
991.9

941.8
988.6

152.7

153.4

158.4

127.3
158.8

140.7
159.6

830.0

828.8

833.9

765.0
833.2

801.1
829.0

418.8

432.2
418.7

414.5
416.2

178.3

185.6
180.0

177.8
175.8

240.5

246.6
238.7

236.7
240.4

86.2
79.3

67.8
74.7

122.8
159.8

124.6
167.9

22 Borrowings
424.0
399.9
409.0
409.6
421.7
421.9
415.9
23
From banks in the U.S.
180.1
167.0
176.8
182.6
180.3
177.9
183.3
24
From others
244.0
232.8
232.2
227.0
241.4
244.0
232.6
25
Net due to related foreign offices
65.0
74.8
66.2
63.4
69.7
80.8
80.8

77.1

26 Other liabilities
127.2
141.9
149.5
161.0
157.2

149.7

153.3

161.8

27 TOTAL LIABILITIES
1,960.7
1,968.8
1,998.1
2,011.8
2,032.8

2,012.4

2,016.9

1,950.0
1,939.8
2,019.8
2,010.0
2,035.5

28 Residual (assets less liabilities) (7)
218.8
209.9
210.3
211.1
211.0
225.1
226.7

217.5

MEMO
Reval. gains on off-bal. sheet itens(8)
-32.4
33.1
36.2
47.4
55.8
54.7
55.4
30 Reval. losses on off-bal. sheet itens (8)
-28.9
28.9
31.8
43.9
50.8
49.3
50.7
31 Mortgage-backed securities (9)
-187.1
188.5
190.9
192.7
191.9
192.3
191.8
29

212.8
214.2

219.1
213.6

-55.4

-58.7

-50.9

-53.8

-193.2

-189.4

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

Oct
Mar 5

Nov

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

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

1
Bank credit
1,428.1
1,430.4
1,456.4
1,454.3
2
416.9
415.2
3
336.8
334.0
4
80.1
81.1

Dec

1,436.4

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

1997

1997

Jan

Feb

--------

--------

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

1,442.5

1,452.3

1,368.7
1,421.5
1,454.1
1,452.5
1,455.0

417.5

416.0

407.8
416.0

417.4
416.2

335.7

334.8

328.7
334.9

337.3
335.1

81.8

81.2

79.1
81.2

80.1
81.2

(2)
1,034.7

1,038.1

960.9
1,004.1
1,036.5
1,038.8

185.9

188.0

172.2
187.6

179.9
188.2

537.9

542.4

493.4
541.4

519.8
542.9

30.8

31.1

26.5
31.0

27.3
31.0

507.1

511.3

466.9
510.5

492.5
511.8

239.0

234.9

226.0
234.4

234.8
235.0

5.1

5.3

5.7
5.2

5.1
5.3

66.8

67.5

63.5
67.8

64.5
67.4

Securities in bank credit
415.2
413.8
414.0
416.3
U.S. government securities
334.8
333.3
333.3
335.0
Other securities
80.3
80.5
80.6
81.4

5
Loans and leases in bank credit
1,011.2
1,015.3
1,022.6
1,028.5
1,041.2
1,038.0
6
Commercial and industrial
181.4
181.9
183.3
185.0
188.8
188.3
7
Real estate
523.3
524.9
528.9
532.3
543.7
544.8
8
Revolving home equity
27.8
29.5
30.0
30.4
31.2
31.2
9
Other
495.5
495.4
498.9
502.0
512.5
513.6
10
Consumer
236.3
239.0
239.9
239.9
236.4
231.7
11
Security (3)
5.2
5.0
5.1
5.2
5.3
5.6
12
Other loans and leases
65.0
64.6
65.4
66.1
67.0
67.6

Feb 12

13
51.2
57.6

Interbank loans
51.0
53.5
63.0

54.9

54.5

57.7

60.6
56.3

49.4
58.2

14
66.6
68.1

Cash assets (4)
68.2
69.4
69.3

70.4

69.6

70.1

64.2
69.2

65.4
73.8

15
57.4
63.1

Other assets (5)
57.1
57.9
69.6

16 TOTAL ASSETS (6)
1,582.4
1,585.9
1,596.4
1,624.0
1,635.3

50.3
61.0

56.2
61.0

58.7

58.3

61.8

1,605.6

1,613.6

1,523.8
1,571.6
1,622.7
1,617.9
1,626.9

1,264.3

1,279.7

1,198.9
1,231.6
1,291.3
1,287.7
1,300.5

322.7

321.8

322.0

334.2
319.2

322.5
327.9

941.6

957.8

969.3

864.7
968.5

909.1
972.6

147.9

149.6

150.9

147.4
150.5

152.4
151.0

793.8

808.3

818.4

717.3
818.0

756.7
821.6

169.1

139.3
172.3

161.0
169.7

86.6

76.3
90.0

82.7
86.9

82.5

63.0
82.3

78.3
82.8

4.0

6.1
4.1

4.4
3.6

32.0
24.4

27.1
23.6

L I A B I L I T I E S
17 Deposits
1,240.6
1,229.4
1,251.4
1,286.0
1,290.7
18
Transaction
322.9
317.7
321.8
320.6
315.3
19
Nontransaction
917.7
911.6
929.5
965.4
975.4
20
Large time
152.3
143.6
146.2
151.2
151.6
21
Other
765.4
768.0
783.3
814.1
823.8

22 Borrowings
163.1
165.3
166.0
165.8
168.3
164.5
171.2
23
From banks in the U.S.
83.7
86.2
86.2
83.8
86.2
81.9
89.0
24
From others
79.4
79.0
79.8
82.0
82.0
82.6
82.2
25
Net due to related foreign offices
5.9
3.4
2.2
2.7
4.0
4.1
4.1
26
26.8
25.2

Other liabilities
27.9
26.9
26.1

27 TOTAL LIABILITIES
1,436.4
1,425.9
1,446.3
1,479.8
1,492.1

25.8

24.3

24.4

1,458.7

1,476.3

1,376.3
1,424.1
1,488.8
1,488.5
1,497.4

28 Residual (assets less liabilities) (7)
146.0
160.0
150.0
146.9
137.3
144.1
143.2

133.8

147.5
129.4

147.5
129.5

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

1996

1996

1997

1997

Oct
Mar 5

Nov

Dec

Jan

Feb

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

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

--------

--------

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

1,445.2

1,450.4

1,363.0
1,421.1
1,448.6
1,447.8
1,448.6

416.1

414.4

406.1
414.9

415.6
414.1

334.5

333.4

327.3
334.1

335.6
333.2

81.6

80.9

78.8
80.8

79.9
80.9

(2)
1,034.3

1,034.2

956.9
1,005.6
1,032.9
1,034.5

186.0

187.7

171.9
187.1

178.6
187.8

537.5

539.8

490.8
539.1

520.9
539.9

30.7

30.9

26.3
30.8

27.4
30.8

506.8

509.0

464.5
508.3

493.5
509.1

239.9

235.7

226.8
235.8

234.9
235.9

5.2

5.4

5.8
5.4

5.1
5.4

65.6

65.6

61.6
65.5

66.0
65.4

1
Bank credit
1,432.1
1,433.0
1,450.6
1,447.9
2
417.2
414.0
3
337.3
333.0
4
80.0
81.0

1,438.0

Securities in bank credit
414.1
412.2
413.6
414.6
U.S. government securities
333.7
331.6
332.9
333.2
Other securities
80.4
80.6
80.7
81.4

5
Loans and leases in bank credit
1,014.9
1,018.9
1,025.8
1,031.7
1,036.6
1,033.4
6
Commercial and industrial
180.4
181.3
182.6
184.5
188.7
188.3
7
Real estate
525.5
527.1
531.1
534.3
541.1
541.6
8
Revolving home equity
28.1
29.7
30.1
30.4
31.0
31.0
9
Other
497.4
497.4
501.0
503.8
510.1
510.6
10
Consumer
237.3
239.6
240.6
240.8
236.6
230.6
11
Security (3)
5.1
4.9
5.3
5.4
5.3
5.9
12
Other loans and leases
66.6
66.0
66.2
66.7
65.0
66.9

Feb 12

Week ending
Feb
Aug
Feb 19
Feb 26

13
49.5
57.2

Interbank loans
51.3
58.4
68.5

58.0

55.8

59.7

62.9
59.4

48.4
59.0

14
65.1
68.1

Cash assets (4)
69.3
72.1
68.5

74.3

71.8

69.4

63.5
65.9

63.1
75.2

15
57.9

Other assets (5)
56.8
58.5

59.2

59.2

63.2

51.6
61.6

56.3
62.7

Sep

64.1

70.2

16 TOTAL ASSETS (6)
1,583.7
1,589.6
1,606.1
1,618.9
1,634.3

1,616.1

1,521.0
1,568.1
1,620.0
1,613.7
1,624.5

1,277.7

1,277.2

1,189.0
1,228.8
1,281.5
1,274.6
1,290.5

333.9

325.6

318.1

329.9
313.7

319.1
323.9

943.9

951.6

963.3

859.1
960.9

909.6
966.6

147.0

148.3

151.5

148.0
151.1

152.2
151.7

796.9

803.3

811.8

711.1
809.8

757.5
814.9

167.9

138.9
167.0

159.1
170.6

84.8

75.6
84.3

82.5
86.4

83.1

63.3
82.7

76.6
84.2

4.0

6.1
4.1

4.4
3.6

32.6
25.0

27.2
23.8

1,615.7

L I A B I L I T I E S
17 Deposits
1,242.8
1,231.6
1,259.0
1,274.4
1,288.7
18
Transaction
322.2
318.3
325.5
314.4
315.7
19
Nontransaction
920.5
913.4
933.5
960.1
973.0
20
Large time
152.1
144.0
146.6
152.3
152.2
21
Other
768.4
769.4
786.9
807.8
820.8

22 Borrowings
162.7
165.4
164.5
165.4
170.0
168.2
164.0
23
From banks in the U.S.
84.5
85.7
84.5
83.3
86.0
84.8
82.6
24
From others
78.2
79.7
80.0
82.1
84.0
83.4
81.4
25
Net due to related foreign offices
5.9
3.4
2.2
2.7
4.0
4.1
4.1
26
26.5
25.5

Other liabilities
27.9
26.7
26.3

27 TOTAL LIABILITIES
1,437.9
1,428.3
1,452.4
1,472.3
1,483.1

25.4

24.6

24.8

1,471.2

1,475.7

1,366.7
1,419.5
1,478.1
1,470.7
1,488.6

MEMO
28 Residual (assets less liabilities) (7)
145.8
161.3
153.7
144.5
140.4
146.6
151.2
31 Mortgage-backed securities (9)
-49.7
50.3
51.4
53.0
52.1
52.2

141.8
52.5

154.4
143.0
-52.7

148.6
136.0
-52.7

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

Oct
Mar 5

Nov

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

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

1
Bank credit
467.6
481.9
541.1
541.6

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

1997

Jan

Feb

--------

--------

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

510.3

521.9

539.5

451.4
539.9

464.5
541.4

171.5

179.5

146.7
181.4

147.5
181.3

82.9

86.5

70.9
86.8

80.9
86.7

88.5

93.0

75.8
94.6

66.6
94.6

(2)
350.5

360.1

304.8
358.5

316.9
360.2

220.0

223.5

184.0
222.2

194.3
224.9

32.6

33.0

34.4
32.9

33.1
32.9

37.1

38.7

35.6
39.3

29.8
37.1

60.9

65.0

50.8
64.2

59.7
65.2

Dec

1997

497.1

2
146.5
178.9
3
82.9
87.8
4
63.6
91.1

Securities in bank credit
149.4
159.7
167.3
175.4
U.S. government securities
83.1
88.0
89.2
86.3
Other securities
66.3
71.7
78.1
89.1

5
321.1
362.2
6
200.7
224.7
7
32.8
33.0
11
29.1
38.0
12
58.4
66.5

Loans and leases in bank credit
332.5
337.4
343.0
366.2
Commercial and industrial
207.1
211.0
217.5
225.9
Real estate
32.9
32.8
32.5
33.2
Security (3)
32.7
34.5
35.4
41.3
Other loans and leases
59.8
59.2
57.6
65.8

Feb 12

13
20.3
24.8

Interbank loans
20.9
20.9
18.5

22.9

23.8

22.5

18.9
22.4

16.4
21.7

14
29.5
34.1

Cash assets (4)
29.8
31.1
36.5

31.4

31.9

33.9

29.1
33.6

28.5
34.2

15
41.1
42.5

Other assets (5)
33.9
36.5
47.0

37.4

39.3

42.8

49.0
42.5

43.7
42.7

601.8

616.7

638.5

548.3
638.2

553.0
639.8

16 TOTAL ASSETS (6)
558.4
566.3
585.4
642.4
643.4
L I A B I L I T I E S

17 Deposits
186.0
197.9
205.0
245.8
248.3
18
Transaction
9.7
10.5
10.6
9.9
10.6
19
Nontransaction
176.2
187.3
194.4
236.0
237.8
20
Large time
172.9
184.7
190.9
230.3
230.4
21
Other
3.4
2.6
3.5
5.7
7.3

221.1
10.8

230.4
10.9

Other liabilities
74.7
80.1
99.2

27 TOTAL LIABILITIES
553.8
559.0
580.6
630.4
648.9
28
4.6
12.1

10.3

168.4
242.1
10.4
9.9

180.3
247.1
10.5
11.3

210.4

219.5

233.8

158.0
232.2

169.8
235.8

206.4

217.1

228.3

154.1
226.6

166.7
229.5

4.0

2.4

5.5

3.8
5.6

3.1
6.3

118.7
143.8

128.6
150.3

38.5

30.2
35.6

34.6
39.5

108.7

88.4
108.2

94.1
110.8

140.8

180.2
141.0

173.2
134.8

22 Borrowings
122.8
118.8
128.2
125.7
133.5
148.8
146.4
23
From banks in the U.S.
34.0
33.4
35.5
36.2
31.8
38.0
44.0
24
From others
88.8
85.3
92.8
89.4
101.7
110.8
102.4
25
Net due to related foreign offices
176.3
167.7
167.2
162.3
150.1
139.8
155.0
26
68.7
95.9

244.1

147.1

83.0

89.3

99.9

77.7
105.0

69.4
101.7

592.2

603.3

632.0

544.8
631.9

551.5
633.9

3.5
6.3

1.5
5.9

Residual (assets less liabilities) (7)
7.3
4.8
9.7
13.5
-5.5

6.6

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

Oct
Mar 5

Nov

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

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

1
Bank credit
466.2
480.6

Dec

496.7

1996
1996
1996
Week ending
Feb
Aug
Sep
Feb 19
Feb 26

1997

1997

Jan

Feb

--------

--------

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

506.1

519.0

540.1

Feb 12

451.3
542.9

467.9
540.5

539.5
2
145.4
178.4
3
81.9
88.6
3a
-21.8
3b
-66.7
4
63.5
89.8
4a
-66.9
4b
-23.0
5
320.8
361.1
6
199.5
224.6
7
32.9
32.9
11
29.1
38.0
12
59.3
65.6

546.5
Securities in bank credit
149.3
159.4
160.8
167.4
180.6
U.S. government securities
82.6
88.0
86.7
83.9
89.6
Trading account
18.8
22.0
20.2
16.9
21.6
Investment account
63.7
66.0
66.5
67.0
68.0
Other securities
66.7
71.4
74.1
83.5
90.9
Trading account
48.2
52.3
54.9
61.2
67.5
Investment account
18.5
19.1
19.2
22.3
23.4
Loans and leases in bank credit (2)
331.3
337.3
345.3
351.6
366.0
Commercial and industrial
205.9
210.8
217.9
219.9
225.4
Real estate
33.1
33.2
32.7
32.5
33.3
Security (3)
32.7
34.5
35.4
37.1
41.3
Other loans and leases
59.7
58.8
59.3
62.1
66.0

180.4
88.3

146.8
183.7

150.7
181.9

71.7
88.9

82.4
88.5

21.3

-21.8

-21.3

67.0

-67.1

-67.2

92.1

75.1
94.8

68.3
93.4

69.1

-71.4

-70.5

23.0

-23.3

-22.9

359.7

304.5
359.3

317.2
358.6

223.5

184.0
222.8

194.4
224.2

33.0

34.5
33.0

33.1
32.9

38.7

35.6
39.3

29.8
37.1

64.6

50.5
64.1

59.8
64.4

13
20.3
24.8

Interbank loans
20.9
20.9
18.5

22.9

23.8

22.5

18.9
22.4

16.4
21.7

14
28.8
33.3

Cash assets (4)
30.1
31.3
35.5

32.5

32.3

33.1

28.4
32.9

28.5
32.9

15
41.5
43.4

Other assets (5)
33.6
36.8
47.9

38.2

38.5

43.7

49.9
43.9

44.5
43.1

599.5

613.4

639.2

548.5
641.9

557.3
638.0

166.5

178.8

16 TOTAL ASSETS (6)
556.8
565.0
585.5
640.9
648.1
L I A B I L I T I E S
17

Deposits

185.6
243.6
18
10.1
10.0
19
175.4
233.6
20
173.2
227.3
21
2.3
6.3

203.2
207.6
245.2
Transaction
10.6
10.6
10.3
Nontransaction
192.6
197.0
234.8
Large time
190.4
194.8
227.1
Other
2.2
2.3
7.7

223.9

230.5

240.9

11.4

10.9

10.6

212.4

219.6

209.9
2.5

Other liabilities
73.1
80.8
102.0

27 TOTAL LIABILITIES
552.4
559.4
580.1
635.1
643.8
28
4.4
5.8
29

-45.5
30
-45.5

241.7

10.6
10.2

10.3
11.7

230.3

155.9
229.1

168.5
230.0

215.1

223.4

151.1
221.4

166.2
222.7

4.6

7.0

4.8
7.7

2.3
7.4

113.3
139.6

133.6
140.4

36.0

28.4
34.6

35.1
35.5

104.4

84.8
105.0

98.5
104.9

185.8
148.8

171.2
146.9

79.6
108.3

69.8
103.0

545.1
635.9

553.3
631.9

3.3
6.0

3.9
6.0

22 Borrowings
123.9
115.4
124.9
124.7
130.4
138.8
143.0
23
From banks in the U.S.
33.3
30.9
35.6
37.0
33.1
34.1
41.9
24
From others
90.6
84.5
89.3
87.6
97.4
104.8
101.1
25
Net due to related foreign offices
174.3
167.7
166.9
163.9
158.9
153.7
153.7
26
68.6
98.9

239.2

81.7

88.4

594.1

608.3

Residual (assets less liabilities) (7)
5.6
5.4
5.3
5.1
4.3

140.4

149.9

102.4

633.6

5.6

MEMO
Reval. gains on off-bal. sheet items (8)
29.9
32.4
33.3
40.8
47.2
46.1
Reval. losses on off-bal. sheet items (8)
29.4
31.6
32.5
40.0
47.4
46.4

-49.2

-48.8

-49.7

-49.0

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
March 5, 1997.
Federa
l Reserve Distict
National
___________________________________________________________

York

Philadelphia
Cleveland Richmond
ASSETS
1 Bank credit
352.0
100.8
163.3
182.3
2
Securities in bank credit (14)
3
3a
3b
77.6
3c
56.0
3d
21.6
3e
3.5
3f
12.2
3g
5.9
4
4a
4b
20.8
4c
7.3
4d
13.5
5
253.6
6
67.3
6a
0.7
6b
66.6
7
100.4
8
7.9
9a
64.5
9b
28.0
10
35.3
11
18.2
11a
10.4
11b
7.8
12a

total
Atlanta
208.8

282.5

Trading account (14)

Trading account (14)

92.0

426.3

U.S. government securities (14)

Investment account
5.0
23.1
30.3
Mortgage-backed
1.9
17.7
18.7
Other
3.0
5.4
11.6
1 year or less
0.9
1.0
3.1
Between 1 and 5 years
1.7
3.4
7.5
More than 5 years
0.4
1.0
0.9
Other securities (14)

1,861.4

Boston

17.8
29.4
18.9
10.6
2.6
6.1
1.9

264.7

16.7

173.0

7.3

91.8

9.4

24.1

3.6

51.9

5.2

15.8

0.6

143.7
77.9

Investment account
65.8
2.1
6.2
4.5
8.2
State and local government
20.8
0.6
0.7
1.0
2.0
Other
45.0
1.6
5.5
3.5
6.2
Loans and leases in bank credit (2)
1,435.2
93.7
133.9
147.5
171.1
Commerical and industrial
394.5
15.3
39.8
35.3
39.4
Bankers accep and commercial paper
1.4
0.0
0.0
0.0
0.0
Other
393.1
15.3
39.8
35.3
39.4
Real estate
564.1
28.3
48.3
74.9
81.9
Revolving home equtiy
55.2
3.3
5.7
6.9
6.0
Other residential
328.0
20.4
28.1
46.3
47.7
Commercial
180.9
4.6
14.5
21.6
28.3
Consumer
282.4
43.2
30.9
19.0
37.0
Security (3)
43.5
0.1
0.9
3.6
1.2
Fed funds and RPs with broker/dealer
28.5
0.0
0.0
3.4
0.8
Other
14.9
0.1
0.9
0.2
0.4
State and local government
10.9

5.5
1.9
3.5
69.9
26.6
0.1
26.5
19.9
3.1
8.6
8.2
7.1
7.5
7.1
0.4
0.2

New

1.5
12b
0.2
12c
2.0
12d
16.1
12e
12.6
13
45.1
13a
26.3
13b
18.9
14
25.2
15
123.1
16
534.0

0.7
1.2
2.0
Agricultural
0.1
0.2
0.5
Fed funds and RPs with others
0.0
0.1
1.0
All other loans
1.6
2.6
5.0
Lease financing receivables
4.5
9.8
6.1
Interbank loans
3.9
7.9
11.6
Fed funds and RPs with banks
3.8
4.8
8.5
Other
0.1
3.0
3.1
Cash assets(4)
4.8
8.7
9.6
Other assets (12)
14.1
14.2
33.9
TOTAL ASSETS (6)
121.4
191.1
235.2

2.1
0.4
0.4
3.4
5.3
13.8
11.0
2.9
13.7
14.7
248.0

7.5

0.0

4.8

0.3

61.2

3.5

66.3

4.8

130.6

5.9

83.4

3.5

47.1

2.5

126.1

6.3

202.2

16.6

2,285.1

119.3

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
March 5, 1997.
Federa

l Reserve Distict
National
___________________________________________________________
total
York
Philadelphia Cleveland Richmond
Atlanta
17
280.1
18
69.9
19
210.2
20
43.6
21
166.6
22
83.5
23
23.8
24
59.8
26
103.9
27
467.6

Deposits
68.2
Transaction
14.8
Nontransaction
53.4
Large time
11.9
Other
41.5
Borrowings
31.4
From banks in
14.9
From others
16.5
Other liabilities
9.7
TOTAL LIABILITIES
109.2

28
66.5

Residual (assets less liabilities (13)
12.2
14.5
16.7

120.2

125.2

175.2

27.6

27.2

37.0

92.7
9.4
83.2

98.0
14.9
83.1

138.2
19.1
119.1

44.2
the U.S.
17.9

59.5

37.1

28.9

21.4

26.4
(13)
12.2

30.6

15.7

33.7

14.6

176.6

218.5

226.8
21.1

Boston

New

1,379.0

66.6

366.4

22.9

1,012.6

43.6

158.3

6.7

854.3

36.9

415.9

27.6

183.3

9.6

232.6

18.0

263.6

14.5

2,058.4

108.6

226.7

10.7

29

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

55.4

30

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

50.7

31 Mortgage-backed securities (9)
59.6
3.2
19.7
19.9
31a
Pass-through
46.8
1.7
12.6
16.8
31b
CMO, REMIC and other
12.8
1.5
7.2
3.1
32 Net unrealized ganis (losses)
33

22.4
14.3
8.2

191.8

7.9

134.6

5.7

57.3

2.2

3.0

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

32.8

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
March 5, 1997.
Federa
l Reserve Distict

_______________________________

_______________________________________
Kansac City
Dallas
San Francisco
ASSETS
1 Bank credit
39.8
24.6
71.8
297.3
2
Securities in bank credit (14)

Chicago

St.Louis

Minneapolis

3
3a
3b
3.8
3c
2.1
3d
1.7
3e
0.0
3f
0.2
3g
1.4
4
4a
4b
0.6
4c
0.2
4d

192.5

40.4

27.1

5.7

13.0

3.1

14.1

2.6

6.5

0.4

5.9

1.7

1.6

0.4

6.4

1.1

3.5

0.7

2.9

0.4

U.S. government securities (14)
Trading account (14)
Investment account (14)
5.2
13.1
27.8
Mortgage-backed
3.8
11.0
19.6
Other
1.5
2.2
8.2
1 year or less
0.3
0.2
1.8
Between 1 and 5 years
1.1
1.7
5.2
More than 5 years
0.0
0.3
1.2
Other securities (14)
Trading account (14)
Investment accout (14)
0.8
2.2
7.4
State and local government
0.5
0.6
1.7
Other

0.4
5
35.5
6
8.5
6a
0.0
6b
8.5
7
7.4
8
0.4
9a
4.7
9b
2.3
10
15.1
11
1.5
11a
1.0
11b
0.5
12a
0.1
12b
0.2
12c
0.0
12d
1.6
12e
0.9
13
4.0
13a
3.7
13b
0.3
14
2.3
15
3.0
16
48.4

0.2
1.5
5.7
Loans and leases in bank credit (2)
18.6
56.5
262.0
Commerical and industrial
5.1
25.2
56.0
Bankers accep and commercial paper
0.0
0.0
0.4
Other
5.1
25.1
55.7
Real estate
6.8
14.5
118.6
Revolving home equtiy
0.4
0.3
15.1
Other residential
3.4
9.7
62.5
Commercial
2.9
4.5
41.1
Consumer
4.6
10.0
51.6
Security (3)
0.0
0.6
2.2
Fed funds and RPs with broker/dealer
0.0
0.3
1.0
Other
0.0
0.3
1.2
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
0.1
All other loans
1.3
4.4
12.4
Lease financing receivables
0.3
1.3
15.2
Interbank loans
2.4
5.6
18.8
Fed funds and RPs with banks
2.2
2.2
6.7
Other
0.3
3.3
12.2
Cash assets(4)
3.0
11.7
22.7
Other assets (12)
2.7
6.4
42.3
TOTAL ASSETS
32.4
94.6
374.6

159.1

33.7

67.4

8.6

0.2

0.0

67.1

8.6

48.2

15.0

4.9

1.3

22.1

10.0

21.3

3.8

23.4

5.2

5.0

2.7

2.1

2.4

2.9

0.3

1.2

0.2

0.4

0.1

0.6

0.0

8.5

0.9

4.4

1.0

6.2

5.2

5.7

5.2

0.5

0.1

15.1

3.1

21.9

5.0

232.8

53.3

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
March 5, 1997.
Federa

l Reserve Distict
_______________________________________

_______________________________
Chicago

St.Louis

Minneapolis

Kansas City

Dallas

San Francisco

17
22.4
18
6.9
19
15.5
20
1.3
21
14.3
22
16.3
23
12.6
24
3.7
26
5.5

Deposits
24.3
68.2
Transaction
6.4
21.4
Nontransaction
17.8
46.9
Large time
1.5
4.6
Other
16.4
42.3
Borrowings
3.4
12.6
From banks in the U.S.
2.0
4.7
From others
1.4
7.9
Other liabilities (13)
1.0
5.5

27
44.2

TOTAL LIABILITIES
28.7

28
4.2

Residual (assets less liabilities (13)
3.7
8.3
41.8

86.3

259.1
86.4
172.8
24.2
148.6
41.0
19.1
21.9

332.8

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

30

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

33

30.0

39.3

6.7

100.2

23.3

18.6

2.6

81.7

20.7

43.9

15.5

17.0

11.7

26.9

3.8

27.5

2.7

210.9

48.1

21.8

5.2

15.0

3.2

7.6

1.4

7.4

1.8

32.7

29

31 Mortgage-backed securities (9)
2.2
3.8
11.8
31a
Pass-through
1.9
2.9
9.9
31b
CMO, REMIC and other
0.3
0.9
1.9
32 Net unrealized ganis (losses)

139.5

22.9
12.9
10.0

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 $7.1 billion in
assets and liabilities of thrift institutions in the
week ending March 5, 1997. The major asset items affected were (in billions):
cash assets, $0.1; U.S. government securities investment
account mortgage-backed securities, $0.2; other securities, investment account,

other, $0.7; real estate loans, revolving home equity, $0.2;
real estate loans, commercial, $0.4; real estate loans, other $5.1; consumer
loans, $0.1; and other assets, $0.3. The major liability items
affected were: transaction deposits, $0.4; nontransaction large time deposits,
$0.3; nontransaction deposits, other, $3.7; borrowings from
banks in the U.S., $0.3; other liabilities, $1.9; and residual (assets less
liabilities), $0.4. The major memo item affected was
mortgage-backed securities, pass-through, $0.1.