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
January 3, 1997
Account
1996

1996

1996

Jul
Dec 25

Aug

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

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

1
Bank credit
3,681.3
3,687.7
3,762.5
3,783.1
2
989.7
989.3
3
708.5
701.9
4
281.3
287.4

Sep

3,678.0

1996

Oct

Nov

Dec 4

--------

--------

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

3,692.6

3,720.4

3,598.8
3,674.2
3,747.8
3,752.8
3,764.4

968.4

986.2

999.1
991.0

996.6
996.0

700.8

705.4

714.1
703.2

713.2
704.3

267.6

280.8

285.0
287.8

283.4
291.7

(2)
2,752.0

2,599.7
2,677.6
2,761.7
2,761.8
2,768.4

770.2

774.8

1,115.8

1,077.0
1,100.3
1,119.0
1,122.0
1,121.9

82.4

83.5

1,033.4

1,035.5

998.2
1,020.6
1,037.2
1,037.2

518.7

519.6

490.7
520.3

504.7
520.7

78.6

78.7

86.3
74.7

82.0
71.9

268.8

269.6

232.1
266.3

255.3
268.5

199.6

213.0

193.7
209.6

210.7
197.6

Securities in bank credit
983.7
972.3
966.5
998.0
U.S. government securities
707.6
701.3
702.2
706.2
Other securities
276.1
271.0
264.3
291.8

5
Loans and leases in bank credit
2,691.6
2,704.0
2,705.8
2,726.1
2,773.2
2,785.1
6
Commercial and industrial
738.5
743.0
744.4
759.0
785.5
788.4
7
Real estate
1,103.7
1,105.8
1,112.0
1,113.6
1,122.5
1,124.2
8
Revolving home equity
79.3
79.9
80.6
81.2
84.9
85.0
9
Other
1,024.5
1,025.9
1,031.4
1,032.4
1,037.6
1,039.2
10
Consumer
510.3
513.5
514.9
518.7
521.1
523.0
11
Security (3)
81.5
79.1
72.7
73.4
76.3
80.4
12
Other loans and leases
257.6
262.6
261.7
261.3
267.8
269.1
13 Interbank loans
208.4
197.3
198.3
198.5
202.5

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

1996

205.0

713.6
778.5

78.8
84.7

735.3
785.3

79.6
84.7

14 Cash assets (4)
217.2
219.1
221.8
229.2
236.4

220.0

222.3

231.3

216.1
222.0

219.5
229.3

15 Other assets (5)
240.5
250.0
255.6
268.2
270.6

258.5

251.2

261.7

220.0
272.3

230.6
271.4

16 TOTAL ASSETS (6)
4,290.1
4,296.5
4,296.2
4,400.9
4,434.9

4,318.5

4,335.6

4,172.1
4,278.0
4,396.1
4,399.0
4,405.1

2,777.5

2,810.6

2,648.1
2,712.3
2,846.7
2,867.7
2,871.3

725.6

719.6

723.0

2,051.9

2,091.0

1,879.4
1,957.2
2,123.7
2,157.7
2,151.1

471.5

487.3

493.6

1,580.4

1,603.7

1,456.2
1,518.6
1,630.0
1,655.9
1,644.6

L I A B I L I T I E S
17 Deposits
2,721.1
2,732.2
2,753.2
2,861.1
2,900.7
18
Transaction
750.0
741.9
734.1
705.5
737.9
19
Nontransaction
1,971.2
1,990.3
2,019.1
2,155.6
2,162.9
20
Large time
444.2
453.9
460.5
509.9
509.6
21
Other
1,526.9
1,536.4
1,558.7
1,645.6
1,653.3

22 Borrowings
713.4
706.3
718.2
719.2
683.4
695.2
686.3
23
From banks in the U.S.
303.5
295.4
300.4
303.9
294.8
285.6
295.3
24
From others
409.9
410.9
417.8
415.3
388.7
409.6
390.9
25
Net due to related foreign offices
257.2
253.6
244.4
248.9
243.8
236.3
225.7

768.7
710.1

423.2
501.8

755.1
720.2

438.6
506.4

697.9

674.1
673.2

722.0
672.7

298.1

291.5
287.2

307.4
281.7

399.8

382.6
386.0

414.6
391.0

236.4

264.4
233.1

256.9
226.7

222.9
260.6

219.7
260.5

26 Other liabilities
226.4
218.7
218.6
246.1
252.5

218.6

238.3

252.8

27 TOTAL LIABILITIES
3,918.1
3,910.8
3,934.4
4,038.7
4,065.1

3,964.3

3,976.2

3,809.5
3,910.8
4,033.8
4,034.7
4,031.1

28 Residual (assets less liabilities) (7)
372.1
385.8
361.8
354.2
359.5
362.2
369.8
H.8 (510)

pg.2

362.3

362.6
364.2

367.2
374.1

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

1996

1996

Jul
Dec 25

Aug

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

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

1
Bank credit
3,678.4
3,680.9
3,766.9
3,777.6
2
991.1
973.2
3
708.6
700.2
4
282.5
273.0

Sep

3,677.1

1996

Oct

Nov

Dec 4

--------

--------

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

3,696.5

3,719.3

3,604.9
3,671.8
3,746.9
3,754.9
3,759.8

967.7

978.4

997.8
982.8

1,001.7
980.2

700.1

704.1

712.4
704.3

714.0
703.2

267.6

274.3

285.4
278.5

287.7
277.0

(2)
2,751.6

2,607.2
2,670.1
2,768.5
2,772.1
2,779.7

765.7

772.9

1,118.9

1,082.7
1,097.2
1,124.7
1,127.6
1,128.9

83.0

84.0

1,035.8

1,003.4
1,017.7
1,040.8
1,042.5
1,044.0

519.2

520.4

76.9

79.2

271.0

199.5

220.9

Securities in bank credit
980.7
976.5
969.2
973.5
U.S. government securities
705.4
704.5
703.7
696.0
Other securities
275.3
272.0
265.5
277.5

5
Loans and leases in bank credit
2,687.3
2,700.2
2,700.7
2,727.3
2,793.7
2,804.1
6
Commercial and industrial
741.4
744.1
741.1
754.0
782.0
786.9
7
Real estate
1,102.3
1,105.6
1,111.5
1,115.5
1,127.7
1,127.8
8
Revolving home equity
79.2
80.0
80.8
81.7
85.0
84.9
9
Other
1,023.1
1,025.6
1,030.7
1,033.8
1,042.8
1,042.9
10
Consumer
506.6
510.8
515.1
519.9
527.5
531.7
11
Security (3)
79.5
76.6
70.8
73.1
82.4
83.5
12
Other loans and leases
257.5
263.1
262.2
264.9
274.1
274.1
13 Interbank loans
204.5
194.5
192.9
213.3
208.9
14 Cash assets (4)
215.1
216.8
212.3

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

1996

711.9
775.2

79.2
85.0

740.8
777.3

79.5
84.9

491.6
522.6

503.0
523.8

87.7
75.6

77.9
78.1

271.2

233.3
271.2

251.2
271.5

197.8

215.9

197.0
223.7

204.3
209.1

223.1

235.7

220.1
229.7

216.9
225.4

244.4

246.1

15 Other assets (5)
240.1
250.8
257.5
267.0
268.5

259.8

251.5

260.2

219.4
271.6

231.4
269.1

16 TOTAL ASSETS (6)
4,280.9
4,285.8
4,282.3
4,433.7
4,443.1

4,318.8

4,334.0

4,184.8
4,267.3
4,400.7
4,421.8
4,405.5

2,776.8

2,808.3

2,664.1
2,702.0
2,861.4
2,894.1
2,884.7

724.7

717.9

734.7

2,052.1

2,090.4

1,881.8
1,959.3
2,126.6
2,160.6
2,155.4

470.2

485.5

495.1

1,581.9

1,604.9

1,457.6
1,515.3
1,631.6
1,658.0
1,646.7

L I A B I L I T I E S
17 Deposits
2,717.9
2,725.3
2,740.9
2,888.9
2,911.0
18
Transaction
743.5
734.8
720.4
738.5
760.9
19
Nontransaction
1,974.4
1,990.5
2,020.5
2,150.4
2,150.1
20
Large time
444.1
451.7
459.7
509.2
508.4
21
Other
1,530.4
1,538.8
1,560.8
1,641.2
1,641.7

22 Borrowings
721.9
715.0
709.5
711.5
674.1
712.4
692.6
23
From banks in the U.S.
305.5
293.5
289.2
288.5
284.8
307.5
304.1
24
From others
416.4
421.5
420.3
423.0
389.3
404.9
388.5
25
Net due to related foreign offices
249.5
251.8
243.4
245.1
245.2
229.2
229.2

782.3
733.5

424.2
502.6

742.8
729.2

444.0
508.7

692.0

681.9
686.6

717.3
677.2

298.4

294.6
307.7

303.8
303.6

393.6

387.4
378.9

413.5
373.7

233.7

263.3
222.1

259.1
223.5

224.9
260.6

222.3
260.5

26 Other liabilities
227.1
218.2
218.1
246.1
252.5

218.7

238.3

252.8

27 TOTAL LIABILITIES
3,916.5
3,910.3
3,911.8
4,076.6
4,085.3

3,952.1

3,965.9

3,834.1
3,900.8
4,039.8
4,063.4
4,045.8

28 Residual (assets less liabilities) (7)
364.5
375.5
370.5
366.8
368.1
357.1
357.9
29
-72.3
30

361.0

MEMO
Reval. gains on off-bal. sheet items (8)
----76.0
77.9
Reval. losses on off-bal. sheet items (8)

350.6
358.4

366.5
359.6

-76.0

-74.3

--

--

-58.5

-66.1

--

--

--

65.3

65.3

61.5

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

Jul
Dec 25

Aug

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

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

1
Bank credit
3,215.3
3,221.7
3,252.4
3,266.5
2
838.1
820.8
3
629.4
614.5
4
208.7
206.3

Sep

3,213.4

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

1996

1996

Oct

Nov

Dec 4

--------

--------

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

3,228.7

3,237.1

3,159.7
3,215.0
3,243.7
3,246.9
3,251.6

821.5

822.0

854.9
821.1

845.7
824.7

618.4

617.1

647.1
615.2

635.4
616.5

203.2

204.9

207.8
205.9

210.3
208.2

Securities in bank credit
836.2
823.7
822.5
823.8
U.S. government securities
628.3
620.2
619.9
614.1
Other securities
207.9
203.5
202.6
209.6

5
Loans and leases in bank credit (2)
2,304.8
2,369.3
2,377.1
2,385.5
2,389.7
2,406.2
2,415.5
2,421.7
2,425.8
2,426.9
2,431.6
2,442.7
6
Commercial and industrial
534.6
548.2
548.4
550.6
552.7
560.5
563.2
564.3
566.6
567.1
567.2
569.7
7
Real estate
1,040.3
1,066.8
1,070.6
1,072.7
1,078.9
1,080.8
1,082.4
1,085.6
1,088.9
1,088.6
1,089.3
1,090.9
8
Revolving home equity
78.8
79.6
79.2
79.8
80.5
81.2
82.3
83.5
84.7
84.7
84.9
85.0
9
Other
961.5
987.2
991.3
992.9
998.4
999.6
1,000.0
1,002.1
1,004.1
1,004.0
1,004.4
1,005.9
10
Consumer
490.7
504.7
510.3
513.5
514.9
518.7
518.7
519.6
520.3
520.7
521.1
523.0
11
Security (3)
53.6
50.7
46.8
45.9
41.9
44.1
43.8
43.1
43.3
42.3
44.9
47.8
12
Other loans and leases
185.6
198.9
201.0
202.8
201.2
202.1
207.5
209.2
206.8
208.2
209.0
211.4
13

Interbank loans

168.8

187.4

184.1
175.0

178.0
183.1

181.4

185.5

181.1

192.6

188.9

182.2

14 Cash assets (4)
191.4
191.3
194.0
197.5
204.5

192.2

193.6

200.6

185.9
189.5

193.2
197.3

15 Other assets (5)
200.7
210.9
215.5
232.9
234.4

220.2

218.2

226.4

173.7
235.2

187.6
232.8

16 TOTAL ASSETS (6)
3,734.4
3,744.5
3,746.8
3,800.4
3,831.0

3,769.0

3,772.3

3,631.6
3,726.4
3,805.8
3,802.9
3,806.5

2,591.8

2,605.0

2,479.2
2,539.9
2,640.2
2,651.6
2,653.3

716.1

709.0

712.3

1,875.7

1,896.0

1,720.1
1,795.6
1,927.9
1,952.7
1,943.7

297.6

295.4

300.4

1,578.1

1,600.6

1,452.7
1,516.2
1,627.6
1,649.9
1,640.5

L I A B I L I T I E S
17 Deposits
2,549.5
2,552.4
2,572.8
2,639.3
2,679.1
18
Transaction
739.3
731.3
723.7
694.7
727.0
19
Nontransaction
1,810.2
1,821.1
1,849.0
1,944.6
1,952.1
20
Large time
283.2
287.1
292.1
304.8
305.7
21
Other
1,527.0
1,534.0
1,557.0
1,639.8
1,646.4

22 Borrowings
583.2
581.4
586.5
597.4
567.7
573.9
564.3
23
From banks in the U.S.
270.7
264.6
264.9
270.3
260.8
250.0
262.4
24
From others
312.5
316.9
321.6
327.1
306.9
323.9
302.0
25
Net due to related foreign offices
80.6
78.0
73.9
74.0
78.7
68.3
65.3

759.1
698.9

267.5
302.8

744.3
709.6

279.4
303.1

571.6

566.1
551.2

585.7
548.5

261.0

259.9
248.2

270.3
242.4

310.6

306.2
302.9

315.4
306.1

89.8
67.8

88.8
66.0

141.3
176.3

147.5
175.6

69.6

26 Other liabilities
157.1
151.4
153.1
168.1
173.3

153.1

165.8

172.8

27 TOTAL LIABILITIES
3,370.4
3,363.3
3,386.3
3,449.5
3,482.1

3,416.3

3,417.2

3,276.4
3,361.8
3,454.2
3,446.8
3,443.3

28 Residual (assets less liabilities) (7)
363.9
381.3
360.5
352.7
355.1
350.9
349.0

351.5

355.1
356.0

364.5
363.2

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

Jul
Dec 25

Aug

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

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

1
Bank credit
3,215.5
3,213.9
3,262.3
3,268.7
2
841.4
815.6
3
630.6
614.2
4
210.8
201.3

Sep

3,210.2

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

1996

1996

Oct

Nov

Dec 4

--------

--------

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

3,231.2

3,239.2

3,169.4
3,215.4
3,250.6
3,256.3
3,253.7

819.8

820.4

855.7
820.7

849.0
820.0

618.3

616.9

646.1
617.2

637.0
616.9

201.5

203.5

209.6
203.6

212.0
203.1

Securities in bank credit
832.3
825.8
824.0
814.1
U.S. government securities
626.3
622.1
622.0
609.7
Other securities
206.0
203.6
202.0
204.4

5
Loans and leases in bank credit (2)
2,313.7
2,366.4
2,374.1
2,381.6
2,384.4
2,407.2
2,419.4
2,430.2
2,435.5
2,433.7
2,446.8
2,454.6
6
Commercial and industrial
533.6
553.6
550.9
550.6
548.5
556.3
560.7
563.2
564.0
561.5
564.6
567.0
7
Real estate
1,045.7
1,063.9
1,069.2
1,072.6
1,078.4
1,082.6
1,085.5
1,091.1
1,094.2
1,095.5
1,094.7
1,094.7
8
Revolving home equity
79.2
79.5
79.2
80.0
80.8
81.7
83.0
83.9
85.0
84.8
84.9
84.8
9
Other
966.5
984.4
990.0
992.7
997.6
1,000.9
1,002.5
1,007.2
1,009.2
1,010.7
1,009.7
1,009.9
10
Consumer
491.6
503.0
506.6
510.8
515.1
519.9
519.2
520.4
522.6
523.8
527.5
531.7
11
Security (3)
55.5
49.6
47.0
44.6
41.0
44.0
44.0
44.5
44.2
43.4
47.1
47.5
12
Other loans and leases
187.3
196.3
200.4
203.0
201.5
204.5
210.0
211.0
210.6
209.5
212.9
213.7
13 Interbank loans
182.1
175.3
176.5
189.5
188.5

179.4

177.9

196.1

172.8
202.7

180.8
193.3

14 Cash assets (4)
188.6
188.6
183.8
213.3
213.9

192.2

194.0

205.4

190.3
198.2

191.0
194.3

15 Other assets (5)
200.5
212.2
216.4
231.5
232.9

221.3

218.7

224.5

172.4
233.8

187.9
229.3

16 TOTAL ASSETS (6)
3,729.5
3,732.9
3,729.4
3,838.8
3,846.2

3,766.2

3,772.4

3,648.3
3,718.1
3,818.8
3,833.2
3,812.8

2,591.1

2,604.4

2,494.2
2,528.2
2,652.9
2,676.5
2,663.2

714.5

707.1

723.9

1,876.6

1,897.3

1,721.6
1,795.5
1,929.0
1,954.1
1,944.6

296.9

294.9

300.0

1,579.6

1,602.5

1,454.4
1,512.8
1,629.1
1,653.5
1,644.4

L I A B I L I T I E S
17 Deposits
2,544.1
2,547.8
2,562.1
2,663.4
2,683.5
18
Transaction
733.1
724.1
710.2
726.9
749.3
19
Nontransaction
1,811.0
1,823.6
1,852.0
1,936.5
1,934.2
20
Large time
283.1
287.2
293.4
299.2
298.4
21
Other
1,528.0
1,536.4
1,558.5
1,637.3
1,635.7

22 Borrowings
587.4
584.4
575.9
587.9
560.9
591.2
571.5
23
From banks in the U.S.
270.9
261.2
254.1
255.0
253.0
269.3
269.9
24
From others
316.5
323.1
321.8
332.9
307.9
321.9
301.6
25
Net due to related foreign offices
79.3
76.9
72.2
70.8
77.9
65.0
65.0

772.6
722.3

267.2
300.7

732.7
718.6

282.7
300.2

569.4

576.3
563.3

584.2
554.1

261.9

263.3
267.1

268.7
262.4

307.5

313.0
296.3

315.5
291.8

88.4
64.3

93.8
65.4

142.9
176.3

149.0
175.6

67.9

26 Other liabilities
157.5
151.4
151.7
168.1
173.3

153.0

165.8

172.8

27 TOTAL LIABILITIES
3,368.4
3,360.4
3,361.9
3,487.7
3,493.2

3,402.8

3,409.1

3,301.8
3,355.1
3,463.1
3,480.4
3,458.3

28 Residual (assets less liabilities) (7)
361.2
372.5
367.5
363.4
363.3
351.2
353.0
29

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

355.8

346.5
352.8

--

363.0
354.4

--

-----35.2
33.9
39.3
30 Reval. losses on off-bal. sheet items (8)
-----31.4
27.5
34.2
31 Mortgage-backed securities (9)
-----240.7
241.9
242.4

35.2

34.8

-31.4

-29.8

-240.7

-239.7

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

Jul
Dec 25

Aug

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

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

1
Bank credit
1,816.1
1,810.3
1,806.4
1,819.1

Sep

1,793.0

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

1996

1996

Oct

Nov

Dec 4

--------

--------

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

1,800.8

1,803.5

1,820.3
1,826.1
1,804.9
1,805.8
1,806.7

406.3

408.8

453.0
408.7

434.1
409.9

284.0

284.7

323.1
283.5

303.9
282.4

21.3

21.8

21.0
22.5

21.5
22.7

262.7

263.0

302.2
261.0

282.4
259.7

122.3

124.0

129.9
125.2

130.2
127.5

55.7

57.8

59.1
58.3

59.9
60.0

66.6

66.2

70.7
66.9

70.3
67.5

20.2

20.2

22.0
20.2

21.0
20.3

46.4

46.0

48.7
46.7

49.3
47.3

(2)
1,397.1

1,367.2
1,392.0
1,396.1
1,397.1
1,396.8

2
Securities in bank credit
425.4
421.3
408.6
406.7
406.5
409.8
3
U.S. government securities
296.5
293.3
285.1
284.2
281.0
281.6
3a
Trading account
20.9
20.8
19.5
20.6
17.3
17.2
3b
Investment account
275.6
272.5
265.6
263.6
263.6
264.4
4
Other securities
128.9
128.0
123.5
122.5
125.5
128.2
4a
Trading account
58.4
59.6
57.7
57.1
57.5
59.6
4b
Investment account
70.5
68.3
65.8
65.4
68.0
68.6
4c
State and local government
20.6
20.6
20.5
20.3
20.4
20.4
4d
Other
49.9
47.7
45.3
45.1
47.5
48.2
5
Loans and leases in bank credit
1,390.6
1,389.0
1,384.4
1,394.1
1,399.9
1,409.3

6
372.7
382.3
7
557.2
553.2
8
52.5
54.5
9
504.7
498.7
10
282.0
281.3
11
41.5
39.7
12a
11.1
11.2
12b
126.1
132.2

Commercial and industrial
373.4
373.5
379.3
384.1
Real estate
553.9
554.8
553.5
553.7
Revolving home equity
52.9
53.0
53.2
54.4
Other
501.1
501.8
500.3
499.3
Consumer
282.5
282.8
285.3
284.0
Security (3)
40.8
36.8
38.9
42.3
State and local government
11.2
11.1
10.8
11.2
All other
127.3
125.4
126.3
134.0

380.8

380.5

368.5
382.4

374.0
382.5

551.6

551.5

554.8
554.3

558.2
552.8

53.3

53.9

52.6
54.3

52.9
54.3

498.3

497.6

502.2
500.0

505.3
498.4

282.5

282.2

271.7
281.4

278.6
281.8

38.7

37.8

48.2
37.9

45.4
37.0

10.8

11.1

11.6
11.3

11.2
11.5

132.6

132.9

112.4
129.8

124.6
131.3

13 Interbank loans
131.8
129.8
131.8
120.5
125.8

133.9

130.1

137.8

114.9
132.7

135.2
127.6

14 Cash assets (4)
124.7
126.7
128.3
130.7
136.5

127.1

127.6

133.2

123.9
122.7

127.0
130.0

15 Other assets (5)
150.1
155.0
159.1
170.1
172.9

162.1

159.2

164.7

123.4
172.1

138.9
170.1

16 TOTAL ASSETS (6)
2,186.3
2,184.9
2,175.4
2,191.7
2,218.1

2,187.2

2,183.6

2,146.1
2,191.0
2,204.3
2,197.0
2,198.3

1,344.8

1,350.8

1,293.4
1,331.8
1,361.6
1,363.9
1,364.7

390.2

384.9

384.7

425.9
373.3

416.7
381.9

954.7

965.9

976.9

867.5
990.7

915.1
982.8

145.3

151.9

153.8

125.4
154.3

130.4
154.2

809.3

814.0

823.0

742.1
836.3

784.7
828.5

L I A B I L I T I E S
17 Deposits
1,332.2
1,336.6
1,340.6
1,352.0
1,386.0
18
Transaction
409.9
407.9
399.7
369.0
398.3
19
Nontransaction
922.3
928.7
940.9
983.0
987.7
20
Large time
134.3
136.3
139.3
155.5
156.0
21
Other
788.0
792.4
801.6
827.5
831.6

22 Borrowings
427.3
417.2
415.5
426.7
402.8
413.1
405.7
23
From banks in the U.S.
185.5
184.4
182.3
185.9
172.9
172.7
182.2
24
From others
241.8
232.9
233.2
240.8
229.9
240.4
223.4
25
Net due to related foreign offices
75.2
72.2
69.5
68.2
75.4
66.8
63.9

408.6

428.2
392.2

435.2
391.8

176.5

182.6
169.4

186.2
166.1

232.1

245.6
222.8

248.9
225.7

84.2
66.2

84.0
63.6

112.9
153.3

118.3
152.3

67.3

26 Other liabilities
128.8
122.3
124.9
145.2
150.5

126.5

141.0

149.2

27 TOTAL LIABILITIES
1,963.6
1,948.3
1,950.5
1,977.0
2,006.1

1,966.2

1,970.0

1,918.6
1,969.3
1,986.7
1,975.7
1,972.5

28 Residual (assets less liabilities) (7)
222.7
236.6
224.9
221.0
213.7
214.7
212.1

217.7

227.4
221.3

221.7
225.9

H.8 (510) pg.6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
Account
1996
1996

1996

1996

Jul
Dec 25

Aug

Oct

Nov

Dec 4

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

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

--------

--------

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

1,800.0

1,804.4

1,828.5
1,825.2
1,810.4
1,814.6
1,807.9

406.6

409.0

456.0
410.9

435.2
407.2

285.9

286.5

324.6
287.9

303.6
284.5

1996

1
Bank credit
1,814.4
1,802.6
1,814.2
1,817.4
2
426.4
402.3
3
295.4
281.7
3a
19.6
17.3
3b
275.8
264.5
4

Sep

1,790.8

Securities in bank credit
418.0
412.1
408.4
400.0
U.S. government securities
291.7
288.4
286.4
277.0
Trading account
19.9
20.9
21.0
14.5
Investment account
271.8
267.5
265.4
262.5
Other securities

22.0
263.9

22.7
263.8

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

22.0
24.5

21.3
22.8

302.6
263.5

282.3
261.7

131.4

131.6

131.0
126.4
123.7
122.0
120.6
123.0
4a
Trading account
61.1
58.7
57.8
56.2
52.6
54.5
4b
Investment account
69.9
67.7
65.9
65.8
68.0
68.5
4c
State and local government
20.7
20.3
20.3
20.3
20.4
20.5
4d
Other
49.2
47.4
45.6
45.5
47.6
48.0
5
Loans and leases in bank credit
1,387.9
1,384.6
1,378.7
1,391.6
1,411.9
1,417.4
6
Commercial and industrial
373.8
373.2
370.6
376.2
380.5
381.8
7
Real estate
556.0
553.7
554.4
553.7
556.7
555.6
8
Revolving home equity
52.4
52.9
53.2
53.5
54.6
54.3
9
Other
503.6
500.9
501.2
500.2
502.1
501.3
10
Consumer
279.6
280.1
282.5
284.9
286.1
290.6
11
Security (3)
41.8
39.7
35.9
38.8
41.6
42.0
12a
State and local government
11.1
11.2
11.2
10.9
11.2
11.2
12b
All other
125.6
126.6
124.2
127.0
135.8
136.2

120.6

122.5

123.0

122.7

53.5

55.4

59.8
55.5

61.7
54.9

67.1

67.1

71.6
67.5

69.9
67.7

20.2

20.3

22.2
20.3

21.1
20.3

46.9

46.8

49.5
47.2

48.8
47.4

(2)
1,397.8

1,372.6
1,390.0
1,401.4
1,403.7
1,400.7

379.2

380.3

368.2
380.8

377.6
378.1

552.9

554.5

557.6
557.7

556.1
557.4

53.8

54.3

53.0
54.5

52.8
54.4

499.1

500.2

504.7
503.2

503.3
503.0

282.5

282.5

272.0
282.7

277.3
284.0

38.9

38.9

49.8
38.4

44.5
37.7

10.9

11.1

11.6
11.3

11.2
11.4

133.5

134.0

113.3
132.8

123.2
132.1

13 Interbank loans
132.9
129.6
127.6
132.2
132.4

129.3

126.0

137.0

114.2
139.4

131.7
132.3

14 Cash assets (4)
123.6
124.4
120.5
143.5
144.1

127.3

127.3

135.7

126.0
128.7

125.4
127.5

15 Other assets (5)
151.1
156.4
159.7
170.1
173.4

162.5

159.2

163.4

122.6
171.3

139.4
168.9

16 TOTAL ASSETS (6)
2,185.5
2,176.4
2,161.8
2,223.5
2,230.9

2,182.2

2,180.3

2,154.7
2,185.4
2,209.9
2,217.4
2,200.0

L I A B I L I T I E S
17 Deposits
1,330.4
1,333.2
1,333.9
1,370.0
1,389.0
18
Tranlgdtion
407.0
402.4
389.9
392.3
414.1
19
Nontranlgdtion
923.5
930.9
944.0
977.7
974.9
20
Large time
134.3
136.7
140.8
151.7
150.9
21
Other
789.1
794.2
803.1
826.0
824.0

1,344.8

1,348.1

1,302.1
1,323.9
1,368.8
1,379.0
1,369.5

390.2

382.3

391.7

433.9
387.1

408.8
385.6

954.6

965.8

977.1

868.2
991.8

915.1
983.9

144.6

151.0

153.5

125.1
153.2

132.8
152.3

810.0

814.8

823.6

743.1
838.6

782.3
831.5

407.3

436.3
401.7

431.6
394.7

177.9

185.6
183.5

183.8
180.6

229.4

250.6
218.2

247.7
214.1

83.0
63.0

89.2
63.0

114.6
153.3

120.1
152.3

22 Borrowings
430.1
422.8
410.6
420.5
398.3
425.4
408.0
23
From banks in the U.S.
184.9
183.7
176.5
175.5
168.2
186.0
185.7
24
From others
245.2
239.1
234.1
245.0
230.1
239.4
222.3
25
Net due to related foreign offices
74.1
71.2
67.8
65.0
74.5
63.4
63.4

65.8

26 Other liabilities
129.2
122.5
123.5
145.2
150.5

126.2

141.0

149.2

27 TOTAL LIABILITIES
1,963.9
1,949.8
1,935.8
2,004.0
2,010.9

1,956.4

1,962.0

1,936.0
1,964.8
1,991.1
1,997.0
1,979.6

28 Residual (assets less liabilities) (7)
221.6
226.6
226.0
225.8
218.4
219.5
220.0

218.8

MEMO
Reval. gains on off-bal. sheet itens(8)
-----35.2
33.9
39.3
30 Reval. losses on off-bal. sheet itens (8)
-----31.4
27.5
34.2
31 Mortgage-backed securities (9)
-----189.5
190.4
190.5
29

218.8
220.4

220.6
220.4

-35.2

-34.8

-31.4

-29.8

-189.5

-188.3

H.8 (510) pg.7
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars

Account
1996

1996

1996

Jul
Dec 25

Aug

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

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

1
Bank credit
1,399.2
1,411.4
1,446.0
1,447.4
2
412.7
414.4
3
332.9
333.5
4
79.8
80.8

Sep

1,420.4

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

1996

1996

Oct

Nov

Dec 4

--------

--------

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

1,427.9

1,433.6

1,339.4
1,388.9
1,438.8
1,441.0
1,444.9

415.2

413.2

401.9
412.4

411.6
414.8

334.3

332.4

323.9
331.7

331.4
334.1

80.9

80.9

77.9
80.7

80.1
80.7

Securities in bank credit
415.0
415.1
415.8
414.0
U.S. government securities
335.0
335.1
335.8
332.5
Other securities
80.0
80.0
80.0
81.5

5
Loans and leases in bank credit (2)
986.5
996.4
1,005.3
1,012.1
1,018.4
1,031.6
1,033.4
6
Commercial and industrial
175.7
177.2
179.2
181.2
182.3
184.9
185.6
7
Real estate
513.3
518.8
524.0
527.3
530.7
536.1
537.1
8
Revolving home equity
26.7
27.0
27.5
27.9
29.0
30.4
30.6
9
Other
486.6
491.8
496.5
499.4
501.7
505.8
506.6
10
Consumer
228.3
231.0
232.1
233.4
236.2
239.8
238.9
11
Security (3)
5.3
5.1
5.2
5.2
5.1
5.2
5.5
12
Other loans and leases
63.9
64.3
64.8
65.0
64.1
65.6
66.2

1,025.6

937.6
1,028.6

977.3
1,030.1

183.8

166.1
184.2

174.2
184.6

534.1

485.5
534.6

508.6
535.9

26.2
30.4

26.7
30.3

504.5

459.3
504.2

481.9
505.5

237.3

219.0
238.9

226.1
238.9

5.4
5.4

5.3
5.3

29.6

5.3
65.1

61.6
65.6

63.2
65.5

13
52.3
54.4

Interbank loans
48.2
49.7
57.3

51.6

51.1

54.8

53.8
56.2

52.2
54.6

14
66.7
66.8

Cash assets (4)
64.7
65.7
68.0

65.1

66.0

67.3

61.9
66.9

66.2
67.3

15
50.6
62.8

Other assets (5)
55.9
56.4
61.6

16 TOTAL ASSETS (6)
1,548.0
1,559.6
1,571.4
1,608.7
1,612.9

50.3
63.1

48.7
62.6

58.1

59.1

61.7

1,581.8

1,588.6

1,485.5
1,535.4
1,601.4
1,605.9
1,608.2

1,247.0

1,254.2

1,185.8
1,208.1
1,278.6
1,287.7
1,288.6

325.9

324.1

327.6

333.2
325.6

327.6
327.7

921.1

930.1

951.1

852.7
962.0

880.5
960.9

152.3

143.5

146.6

142.1
148.4

149.0
148.9

768.8

786.6

804.5

710.5
813.6

731.5
812.0

163.0

137.9
158.9

150.5
156.6

84.5

77.3
78.8

84.0
76.2

78.5

60.6
80.1

66.5
80.4

2.3

5.6
1.6

4.7
2.4

28.5
23.0

29.2
23.3

L I A B I L I T I E S
17 Deposits
1,217.2
1,215.8
1,232.2
1,287.3
1,293.1
18
Transaction
329.4
323.4
324.1
325.7
328.7
19
Nontransaction
887.9
892.4
908.1
961.6
964.4
20
Large time
148.9
150.7
152.8
149.3
149.6
21
Other
739.0
741.6
755.4
812.3
814.8

22 Borrowings
155.9
164.2
171.0
170.7
165.0
160.8
158.7
23
From banks in the U.S.
85.3
80.2
82.6
84.4
87.9
77.3
80.1
24
From others
70.7
84.0
88.4
86.3
77.0
83.5
78.6
25
Net due to related foreign offices
5.4
5.8
4.4
5.8
3.3
1.5
1.4
26
28.3
22.9

Other liabilities
29.1
28.2
22.8

27 TOTAL LIABILITIES
1,406.8
1,414.9
1,435.7
1,472.4
1,476.0

26.6

24.7

23.6

1,450.1

1,447.2

1,357.8
1,392.6
1,467.6
1,471.2
1,470.9

28 Residual (assets less liabilities) (7)
141.2
144.7
135.6
131.7
141.4
136.2
136.9

133.9

127.7
134.7

142.8
137.3

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

1995

1996

1996

1996

1996

1996

1996

1996

Jul
Dec 25

Aug

Sep

Oct

Nov

Dec 4

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

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

--------

--------

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

1,431.2

1,434.8

1,340.9
1,390.2
1,440.2
1,441.6
1,445.8

413.2

411.4

399.7
409.9

413.8
412.8

332.4

330.4

321.5
329.3

333.5
332.3

80.8

81.0

78.2
80.6

80.3
80.5

1
Bank credit
1,401.1
1,411.3
1,448.1
1,451.3
2
415.0
413.2
3
335.3
332.5
4
79.8
80.8

1,419.4

Securities in bank credit
414.3
413.6
415.6
414.1
U.S. government securities
334.6
333.7
335.6
332.7
Other securities
79.6
79.9
80.1
81.4

5
Loans and leases in bank credit (2)
986.1
997.0
1,005.8
1,015.6
1,021.6
1,034.9
1,037.2
6
Commercial and industrial
177.1
177.3
177.9
180.1
181.6
184.1
185.3
7
Real estate
513.2
518.9
524.0
528.8
532.6
538.0
539.1
8
Revolving home equity
26.8
27.1
27.6
28.1
29.2
30.4
30.5
9
Other
486.4
491.8
496.5
500.7
503.4
507.6
508.6
10
Consumer
227.0
230.7
232.6
234.9
236.7
241.4
241.1
11
Security (3)
5.2
4.9
5.1
5.1
5.1
5.5
5.5
12
Other loans and leases
63.7
65.2
66.1
66.6
65.7
65.9
66.3

Week ending
Nov
May
Dec 11
Dec 18

1,028.8

941.1
1,031.8

976.4
1,033.0

182.9

165.4
183.2

176.0
183.3

536.6

488.1
536.5

507.8
538.1

26.3
30.5

26.7
30.4

507.0

461.8
506.0

481.1
507.7

237.8

219.6
239.8

225.7
239.8

5.6

5.7
5.8

5.1
5.7

65.8

62.4
66.4

61.9
66.0

29.7

13
49.2
57.3

Interbank loans
45.7
49.0
56.1

50.1

52.0

59.1

58.6
63.3

49.1
61.0

14
65.0
69.8

Cash assets (4)
64.2
63.3
69.8

64.9

66.7

69.7

64.3
69.6

65.6
66.8

15
49.4

Other assets (5)
55.8
56.7

58.8

59.6

61.1

49.8
62.5

48.5
60.4

Jun

61.4

59.5

16 TOTAL ASSETS (6)
1,544.0
1,556.5
1,567.6
1,615.3
1,615.3

1,592.0

1,493.6
1,532.8
1,608.9
1,615.8
1,612.8

1,246.3

1,256.3

1,192.1
1,204.2
1,284.1
1,297.5
1,293.7

324.3

324.8

332.2

338.6
335.2

323.8
333.0

922.0

931.5

951.9

853.5
962.3

880.4
960.7

152.4

143.8

146.5

142.2
147.4

149.8
147.9

769.7

787.7

805.4

711.3
814.9

730.5
812.9

162.1

140.0
161.6

152.6
159.4

84.0

77.7
83.5

84.9
81.8

78.1

62.3
78.1

67.7
77.6

2.2

5.4
1.3

4.6
2.3

28.3
23.0

28.9
23.3

1,584.0

L I A B I L I T I E S
17 Deposits
1,213.7
1,214.5
1,228.2
1,293.4
1,294.4
18
Transaction
326.1
321.8
320.2
334.6
335.2
19
Nontransaction
887.6
892.8
908.0
958.8
959.2
20
Large time
148.8
150.5
152.6
147.5
147.5
21
Other
738.8
742.3
755.4
811.3
811.7

22 Borrowings
157.3
161.6
165.3
167.4
162.7
165.9
163.5
23
From banks in the U.S.
86.0
77.5
77.6
79.6
84.8
83.3
84.2
24
From others
71.3
84.0
87.7
87.9
77.8
82.5
79.3
25
Net due to related foreign offices
5.2
5.7
4.4
5.9
3.4
1.6
1.6
26
28.3
22.9

Other liabilities
28.9
28.2
22.8

27 TOTAL LIABILITIES
1,404.5
1,410.6
1,426.1
1,483.7
1,482.3

26.8

24.7

23.6

1,446.4

1,447.1

1,365.9
1,390.3
1,472.0
1,483.4
1,478.7

MEMO
28 Residual (assets less liabilities) (7)
139.6
145.8
141.5
137.5
145.0
131.6
133.0
31 Mortgage-backed securities (9)
-----51.5
51.9

136.9
51.2

127.7
132.4
-51.2

142.4
134.1
-51.4

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

Jul
Dec 25

Aug

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

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

1
Bank credit
466.1
466.0
510.1
516.6

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

1996

Oct

Nov

Dec 4

--------

--------

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

463.9

483.3

504.2

439.1
505.9

459.2
512.8

146.9

164.2

144.2
169.9

150.9
171.3

82.5

88.3

67.1
88.0

77.8
87.8

64.4

75.9

77.2
81.9

73.0
83.5

(2)
336.4

340.0

294.9
336.0

308.3
341.5

207.0

210.5

179.0
212.0

187.2
218.3

33.4

33.4

36.7
33.1

33.5
33.3

34.8

35.6

32.7
31.4

31.3
29.7

61.2

60.4

46.5
59.5

56.4
60.3

Sep

1996

464.7

2
151.6
168.5
3
79.0
87.4
4
72.5
81.0

Securities in bank credit
147.4
148.6
144.0
174.2
U.S. government securities
79.3
81.1
82.3
92.0
Other securities
68.2
67.5
61.7
82.2

5
314.5
341.6
6
190.0
218.3
7
33.2
33.2
11
34.7
31.4
12
56.5
58.8

Loans and leases in bank credit
318.5
316.1
319.8
342.4
Commercial and industrial
192.4
191.7
198.5
218.8
Real estate
33.1
33.1
32.8
33.3
Security (3)
33.2
30.8
29.3
32.7
Other loans and leases
59.8
60.5
59.2
57.7

13
24.3
23.6

Interbank loans
19.3
16.9
19.4

19.6

18.5

20.4

25.0
20.7

23.3
15.4

14
25.7
31.7

Cash assets (4)
27.7
27.8
31.8

27.8

28.7

30.7

30.2
32.5

26.3
32.0

15
39.8
35.3

Other assets (5)
39.1
40.2
36.2

38.3

33.0

35.2

46.2
37.2

42.9
38.6

549.5

563.4

590.3

540.5
596.1

551.7
598.6

16 TOTAL ASSETS (6)
555.8
552.0
549.5
600.5
603.9
L I A B I L I T I E S

17 Deposits
171.7
179.8
180.5
221.8
221.6
18
Transaction
10.7
10.6
10.3
10.8
10.9
19
Nontransaction
161.0
169.2
170.1
211.0
210.8
20
Large time
161.0
166.8
168.4
205.1
203.9
21
Other
0.0
2.4
1.7
5.9
6.8

185.8

168.9
216.1

172.4
218.0

9.7
11.1

10.8
10.6

195.7

159.3
205.0

161.7
207.4

191.9

193.3

155.7
199.0

159.2
203.3

3.1

2.5

3.6
6.0

2.5
4.1

108.0
122.1

136.3
124.2

37.1

31.6
39.0

37.1
39.3

89.2

76.4
83.1

99.2
84.9

174.6
165.3

168.1
160.7

81.5
84.4

72.2
84.8

533.0
587.9

549.0
587.8

205.7

206.5

10.7

10.7

176.2

195.0

173.8
2.3

9.6

22 Borrowings
130.2
124.9
131.7
121.8
115.7
121.3
121.9
23
From banks in the U.S.
32.7
30.8
35.5
33.6
33.9
35.6
33.0
24
From others
97.5
94.0
96.2
88.2
81.8
85.7
88.9
25
Net due to related foreign offices
176.6
175.6
170.5
174.9
165.1
168.1
160.4
26
69.2
78.0

Other liabilities
67.3
65.5
79.1

27 TOTAL LIABILITIES
547.7
547.5
548.2
589.2
583.0
28
8.1
11.3

126.3

166.8

65.5

72.6

80.0

548.0

559.0

579.6

Residual (assets less liabilities) (7)
4.5
1.3
1.4
4.4
20.9

10.8

7.5
8.2

2.7
10.9

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

Jul
Dec 25

Aug

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

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

1
Bank credit
462.9
467.0

Sep

467.0

1995
1996
1996
Week ending
Nov
May
Jun
Dec 11
Dec 18

1996

1996

Oct

Nov

Dec 4

--------

--------

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

465.4

480.0

496.3

435.5
498.6

456.4
506.1

504.6
2
149.7
157.7
3
78.0
86.0
3a
-19.3
3b
-66.6
4
71.7
71.7
4a
-52.3
4b
-19.4
5
313.2
346.9
6
190.5
217.3
7
33.1
33.1
11
32.5
35.4
12
57.1
61.2

508.8
Securities in bank credit
148.4
150.7
145.2
147.9
159.4
U.S. government securities
79.0
82.4
81.7
81.8
86.3
Trading account
---18.6
19.1
Investment account
---63.2
67.2
Other securities
69.3
68.3
63.5
66.1
73.1
Trading account
---47.8
53.8
Investment account
---18.4
19.3
Loans and leases in bank credit (2)
318.7
316.3
320.2
332.1
349.4
Commercial and industrial
193.5
192.6
197.7
204.9
219.9
Real estate
33.0
33.1
33.0
33.4
33.1
Security (3)
32.0
29.8
29.1
32.9
36.0
Other loans and leases
60.1
60.7
60.4
60.9
60.4

158.0
87.2

142.1
162.1

152.7
160.2

66.3
87.1

77.0
86.4

21.8

-22.5

-20.7

65.4

-64.7

-65.6

70.8

75.8
74.9

75.7
73.8

51.7

-55.9

-54.6

19.1

-19.0

-19.2

338.3

293.5
336.6

303.7
346.0

209.7

178.4
211.2

187.1
215.9

33.6

36.9
33.4

33.3
33.4

34.7

32.2
31.4

28.3
34.7

60.3

46.0
60.6

54.9
62.0

13
22.4
23.8

Interbank loans
19.2
16.4
20.5

20.2

19.8

19.8

24.2
20.9

23.4
15.8

14
26.6
31.1

Cash assets (4)
28.2
28.5
32.2

28.7

29.1

30.3

29.8
31.5

25.9
31.1

15
39.6
35.5

Other assets (5)
38.6
41.1
35.6

38.5

32.8

35.7

47.0
37.8

43.5
39.8

552.6

561.6

581.9

536.5
588.6

549.2
592.7

169.9

173.9

16 TOTAL ASSETS (6)
551.4
553.0
552.9
594.9
596.9
L I A B I L I T I E S
17

Deposits

173.8
225.5
18
10.4
11.6
19
163.4
213.9
20
161.0
210.0
21
2.4
3.9

177.5
178.8
227.5
Transaction
10.6
10.3
11.6
Nontransaction
166.9
168.5
215.9
Large time
164.5
166.3
210.0
Other
2.4
2.3
5.9

185.7

203.9

208.4

217.7

10.2

10.8

10.8

9.7
11.2

175.5

193.0

197.6

160.2
206.5

163.8
210.8

173.2

190.6

195.1

156.9
202.0

161.3
208.5

2.3

2.5

2.5

3.2
4.5

2.4
2.3

105.6
123.2

133.2
123.1

36.5

31.3
40.6

35.1
41.2

86.1

74.4
82.6

98.1
81.9

174.8
157.8

165.3
158.1

81.9
84.4

73.3
84.8

532.3
583.0

545.7
587.5

4.2
5.6

3.5
5.2

22 Borrowings
134.4
130.6
133.6
123.6
113.2
121.2
121.2
23
From banks in the U.S.
34.5
32.2
35.1
33.5
31.8
38.2
34.2
24
From others
99.9
98.4
98.5
90.1
81.4
82.9
87.0
25
Net due to related foreign offices
170.2
175.0
171.2
174.3
167.2
164.2
164.2
26
69.7
78.0

Other liabilities
66.8
66.4
79.1

27 TOTAL LIABILITIES
548.1
549.9
549.9
588.9
592.0
28
3.3
6.0
29

-38.5
30
-31.0

122.6

165.7

65.7

72.6

80.0

549.2

556.9

576.7

Residual (assets less liabilities) (7)
3.1
3.0
3.4
4.7
4.9

5.2

MEMO
Reval. gains on off-bal. sheet items (8)
----40.8
38.5
Reval. losses on off-bal. sheet items (8)
----33.9
31.8

221.5
10.1
10.6

-40.8

-39.5

-33.9

-31.7

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 December 25, 1996.
Federa
l Reserve Distict
National
___________________________________________________________

York

Philadelphia
Cleveland Richmond
ASSETS
1 Bank credit
345.6
102.9
162.8
179.4
2
Securities in bank credit (14)
3
3a
3b
80.1
3c
55.5
3d
24.5
3e
3.9
3f
14.9
3g
5.7
4
4a
4b
19.9
4c
6.5
4d
13.4
5
245.6
6
64.8
6a
0.7
6b
64.0
7
96.0
8
7.7
9a
60.5
9b
27.8
10
34.1
11
16.5
11a
7.0
11b
9.5
12a

total
Atlanta
205.7

277.0

Trading account (14)

Trading account (14)

91.3

400.0

U.S. government securities (14)

Investment account
5.1
25.5
27.5
Mortgage-backed
2.1
14.4
15.0
Other
3.0
11.0
12.5
1 year or less
1.0
1.4
3.7
Between 1 and 5 years
1.7
4.8
7.6
More than 5 years
0.4
4.8
1.2
Other securities (14)

1,817.4

Boston

14.5
26.2
16.1
10.1
2.1
7.1
0.8

262.5

15.3

162.7

6.2

99.9

9.2

25.0

3.4

57.8

5.1

17.1

0.7

123.0
54.5

Investment account
68.5
2.1
6.0
4.7
10.8
State and local government
20.5
0.7
0.8
1.0
2.0
Other
48.0
1.5
5.2
3.7
8.8
Loans and leases in bank credit (2)
1,417.4
95.7
131.2
147.2
168.7
Commerical and industrial
381.8
14.9
39.1
34.3
37.3
Bankers accep and commercial paper
1.9
0.0
0.0
0.1
0.0
Other
379.8
14.9
39.1
34.2
37.3
Real estate
555.6
25.0
48.3
74.5
82.1
Revolving home equtiy
54.3
3.1
5.7
6.8
5.8
Other residential
322.3
17.3
30.3
46.9
49.3
Commercial
179.0
4.6
12.3
20.8
27.0
Consumer
290.6
49.3
29.6
20.3
36.7
Security (3)
42.0
0.1
1.1
4.5
1.5
Fed funds and RPs with broker/dealer
24.6
0.0
0.1
4.3
1.1
Other
17.5
0.1
1.1
0.2
0.4
State and local government
11.2

5.2
1.9
3.4
70.8
25.8
0.1
25.7
20.2
2.9
8.9
8.4
7.1
8.7
8.2
0.4
0.2

New

1.6
12b
0.1
12c
1.9
12d
17.7
12e
12.8
13
46.6
13a
26.2
13b
20.4
14
28.4
15
110.2
16
518.0

0.7
1.3
2.2
Agricultural
0.1
0.2
0.5
Fed funds and RPs with others
0.0
0.0
1.1
All other loans
1.5
2.8
4.9
Lease financing receivables
4.0
8.7
4.9
Interbank loans
2.9
9.5
11.4
Fed funds and RPs with banks
2.8
5.1
7.8
Other
0.1
4.4
3.6
Cash assets(4)
5.9
10.0
11.7
Other assets (12)
12.6
14.1
25.4
TOTAL ASSETS (6)
122.2
193.6
225.6

2.1
0.5
0.0
3.9
4.6
14.5
9.3
5.2
14.0
15.5
246.8

7.5

0.0

4.3

0.4

63.4

3.8

61.0

4.6

132.4

6.7

79.7

3.7

52.7

3.0

144.1

8.4

203.3

16.3

2,260.8

121.1

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 December 25, 1996.
Federa

l Reserve Distict
National
___________________________________________________________
total
York
Philadelphia Cleveland Richmond
Atlanta
17
279.4
18
82.1
19
197.3
20
39.4
21
157.9
22
73.9
23
24.3
24
49.6
26
99.4
27
452.7

Deposits
68.8
Transaction
16.0
Nontransaction
52.8
Large time
10.9
Other
41.9
Borrowings
33.2
From banks in
15.8
From others
17.4
Other liabilities
8.5
TOTAL LIABILITIES
110.4

28
65.3

Residual (assets less liabilities (13)
11.8
17.4
16.2

122.5

125.2

174.7

31.6

30.7

38.3

90.9
10.4
80.6

94.5
12.7
81.8

136.4
19.6
116.8

41.0
the US
16.9

58.2

38.2

28.8

23.0

24.1
(13)
12.7

29.4

15.3

26.1

13.4

176.2

209.4

226.3
20.4

Boston

1,389.0

69.4

414.1

25.1

974.9

44.3

150.9

7.4

824.0

36.9

408.0

27.0

185.7

8.2

222.3

18.8

243.8

14.3

2,040.8

110.7

220.0

10.4

New

29

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

39.3

30

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

34.2

31 Mortgage-backed securities (9)
60.5
3.3
19.8
16.7
31a
Pass-through
47.8
1.7
12.4
13.4
31b
CMO, REMIC and other
12.7
1.5
7.4
3.3
32 Net unrealized ganis (losses)
33

22.0
13.6
8.4

190.5

7.4

131.7

5.5

58.8

2.0

2.8

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

32.2

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 December 25, 1996.
Federa
l Reserve Distict

_______________________________

_______________________________________
Kansac City
Dallas
San Francisco
ASSETS
1 Bank credit
40.5
26.4
70.1
293.8
2
Securities in bank credit (14)

Chicago

St.Louis

Minneapolis

3
3a
3b
2.5
3c
1.8
3d
0.7
3e
0.1
3f
0.3
3g
0.2
4
4a
4b
0.6
4c
0.2
4d

189.1

40.9

25.5

7.8

12.1

4.7

13.3

3.1

6.1

0.9

5.7

1.8

1.4

0.5

6.8

1.7

3.7

0.8

3.1

1.0

U.S. government securities (14)
Trading account (14)
Investment account (14)
6.6
12.2
28.3
Mortgage-backed
4.4
10.4
19.9
Other
2.2
1.9
8.5
1 year or less
0.4
0.2
1.8
Between 1 and 5 years
1.6
1.4
5.8
More than 5 years
0.3
0.2
0.8
Other securities (14)
Trading account (14)
Investment accout (14)
1.0
2.1
7.4
State and local government
0.6
0.7
1.7
Other

0.4
5
37.3
6
8.2
6a
0.0
6b
8.2
7
7.9
8
0.4
9a
5.2
9b
2.3
10
16.5
11
1.3
11a
0.8
11b
0.5
12a
0.1
12b
0.2
12c
0.0
12d
2.1
12e
0.9
13
4.5
13a
4.0
13b
0.4
14
3.0
15
2.7
16
49.8

0.5
1.4
5.7
Loans and leases in bank credit (2)
18.8
55.9
258.1
Commerical and industrial
5.1
24.2
54.2
Bankers accep and commercial paper
0.1
0.0
0.6
Other
5.0
24.2
53.6
Real estate
6.8
14.4
116.6
Revolving home equtiy
0.4
0.3
15.0
Other residential
3.7
9.6
61.3
Commercial
2.7
4.5
40.4
Consumer
4.8
10.9
52.1
Security (3)
0.0
1.2
2.7
Fed funds and RPs with broker/dealer
0.0
1.0
1.3
Other
0.0
0.2
1.4
State and local government
0.1
0.1
1.2
Agricultural
0.5
0.2
4.7
Fed funds and RPs with others
0.0
0.2
0.2
All other loans
1.2
3.9
11.9
Lease financing receivables
0.3
0.7
14.3
Interbank loans
1.1
8.1
18.7
Fed funds and RPs with banks
0.8
6.8
5.4
Other
0.3
1.2
13.3
Cash assets(4)
2.8
11.1
27.3
Other assets (12)
1.5
7.2
42.1
TOTAL ASSETS
31.4
95.8
375.7

156.9

31.3

65.4

8.4

0.3

0.0

65.1

8.3

48.6

15.1

4.9

1.2

19.1

10.1

24.6

3.8

24.0

5.2

3.9

0.4

0.6

0.1

3.3

0.3

1.3

0.2

0.5

0.1

0.6

0.0

8.5

1.0

4.2

0.9

6.9

1.6

6.1

1.5

0.8

0.1

17.8

3.7

21.2

3.3

232.0

48.9

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 December 25, 1996.
Federa

l Reserve Distict
_______________________________________

_______________________________
Chicago

St.Louis

Minneapolis

Kansas City

Dallas

San Francisco

17
24.2
18
9.1
19
15.1
20
1.3
21
13.9
22
18.4
23
14.8
24
3.5
26
3.0

Deposits
24.3
69.5
Transaction
7.3
22.8
Nontransaction
17.0
46.7
Large time
1.4
4.5
Other
15.6
42.2
Borrowings
3.8
12.9
From banks in the US
2.4
4.0
From others
1.4
9.0
Other liabilities (13)
1.1
5.4

27
45.6

TOTAL LIABILITIES
29.2

28
4.2

Residual (assets less liabilities (13)
2.2
8.0
39.2

87.8

258.6
98.5
160.1
23.8
136.2
47.5
23.4
24.1

336.6

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

30

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

33

30.2

44.7

8.0

97.6

22.3

17.2

2.4

80.4

19.9

41.4

12.5

15.9

8.3

25.5

4.2

27.0

2.5

210.6

45.2

21.4

3.7

14.1

5.5

7.5

2.3

6.6

3.2

30.5

29

31 Mortgage-backed securities (9)
1.9
5.0
11.0
31a
Pass-through
1.6
3.7
9.2
31b
CMO, REMIC and other
0.3
1.3
1.8
32 Net unrealized ganis (losses)

142.3

23.2
13.1
10.2

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.