H.

8 (510)
ASSETS AND
For release
Seasonally
January 24,

pg.1
LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
at 4:15 p.m. Eastern Time
adjusted, billions of dollars
1997
Account
1996

1996

1996

Aug
Jan 15

Sep

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

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

1
Bank credit
3,685.3
3,675.5
3,801.7
3,795.5

Oct

3,690.0

1996

Nov

Dec

--------

--------

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

3,717.9

3,745.6

3,610.1
3,680.7
3,767.7
3,780.3
3,778.8

986.5

993.7

1,001.9
997.5

989.7
993.0

705.7

704.3

710.5
705.9

708.5
705.4

280.8

289.4

291.4
291.6

281.3
287.6

(2)
2,759.1

2,608.1
2,691.0
2,774.0
2,782.8
2,785.8

774.9

785.9

1,117.8

1,077.5
1,103.3
1,125.0
1,125.1
1,129.9

83.4

85.2

1,034.3

1,039.8

998.4
1,024.1
1,039.6
1,044.2

518.2

518.6

493.1
520.2

510.0
521.0

78.7

76.2

83.0
80.3

81.5
77.1

269.6

268.3

238.1
268.8

257.6
269.5

213.0

199.8

193.7
200.8

208.4
196.0

2
Securities in bank credit
983.7
972.3
966.5
968.5
1,003.6
999.6
3
U.S. government securities
707.6
701.3
702.2
700.9
707.7
696.1
4
Other securities
276.1
271.0
264.3
267.6
295.9
303.5
5
Loans and leases in bank credit
2,701.6
2,703.3
2,723.5
2,749.4
2,798.1
2,796.0
6
Commercial and industrial
743.1
744.5
759.1
770.3
786.2
788.5
7
Real estate
1,103.8
1,110.0
1,111.8
1,114.2
1,131.2
1,130.5
8
Revolving home equity
79.9
80.6
81.2
82.4
85.6
85.6
9
Other
1,023.9
1,029.5
1,030.6
1,031.8
1,045.7
1,044.8
10
Consumer
513.0
514.3
517.9
517.5
521.7
522.4
11
Security (3)
79.1
72.7
73.4
78.6
83.2
76.4
12
Other loans and leases
262.6
261.7
261.4
268.8
275.8
278.2
13 Interbank loans
197.3
198.3
205.0
191.6
196.1

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

1996

199.7

Dec 25

716.4
788.4

79.1
85.5

738.5
788.3

79.3
85.7

14 Cash assets (4)
219.1
221.8
219.9
234.3
220.1

222.2

231.3

229.7

223.6
237.2

217.2
227.5

15 Other assets (5)
249.6
255.3
258.2
260.5
263.6

251.0

261.2

269.9

226.0
270.5

240.1
269.9

16 TOTAL ASSETS (6)
4,293.8
4,293.4
4,315.5
4,430.2
4,417.6

4,332.9

4,393.4

4,197.0
4,289.2
4,409.5
4,431.1
4,414.0

2,810.6

2,846.8

2,670.8
2,721.1
2,883.7
2,905.3
2,910.0

719.6

723.1

723.9

2,091.0

2,123.7

1,895.2
1,971.2
2,159.8
2,163.7
2,171.8

487.4

493.7

510.3

1,603.7

1,630.0

1,473.7
1,526.9
1,649.5
1,649.3
1,656.0

L I A B I L I T I E S
17 Deposits
2,732.2
2,753.2
2,777.6
2,894.5
2,897.2
18
Transaction
741.9
734.1
725.6
710.3
713.4
19
Nontransaction
1,990.3
2,019.1
2,051.9
2,184.2
2,183.9
20
Large time
453.9
460.5
471.5
521.6
519.3
21
Other
1,536.4
1,558.7
1,580.4
1,662.6
1,664.5

22 Borrowings
704.2
716.1
717.0
681.4
696.3
695.6
682.5
23
From banks in the U.S.
293.3
298.3
301.8
292.7
295.7
277.4
283.5
24
From others
410.9
417.8
415.3
388.7
400.6
418.2
399.0
25
Net due to related foreign offices
253.6
244.4
248.9
243.8
236.8
218.1
218.6

775.7
741.5

421.4
514.4

750.0
738.1

444.2
515.8

681.0

681.7
686.4

713.1
677.5

282.5

280.3
293.6

303.2
270.1

398.4

401.5
392.7

409.9
407.4

229.9

263.5
226.1

257.2
225.2

230.2
249.2

226.4
251.0

26 Other liabilities
218.7
218.6
218.6
258.2
257.3

238.3

252.0

252.3

27 TOTAL LIABILITIES
3,908.8
3,932.3
3,962.1
4,066.4
4,055.7

3,974.1

4,031.9

3,846.3
3,917.8
4,046.9
4,067.0
4,063.6

28 Residual (assets less liabilities) (7)
385.0
361.1
353.4
358.8
361.4
363.8
361.9
H.8 (510)

pg.2

362.6

350.7
364.2

371.4
350.4

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

1996

1996

Aug
Jan 15

Sep

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

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

1
Bank credit
3,678.5
3,674.7
3,795.2
3,787.7
2
980.7
985.1
3
705.4
699.4
4
275.3
285.6

Oct

3,694.0

1996

Nov

Dec

--------

--------

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

3,716.8

3,744.6

3,617.3
3,677.8
3,768.0
3,774.7
3,785.6

978.7

976.1

991.8
973.1

991.1
972.9

704.4

699.5

706.0
695.8

708.6
695.2

274.3

276.5

285.8
277.3

282.5
277.7

(2)
2,765.9

2,625.5
2,686.7
2,792.0
2,801.6
2,812.7

773.0

782.3

1,123.5

1,082.2
1,101.9
1,129.9
1,128.7
1,132.9

83.9

85.2

1,039.6

1,003.1
1,022.7
1,044.7
1,043.3
1,047.3

519.0

524.8

79.2

80.7

271.2

197.8

223.0

Securities in bank credit
976.5
969.2
967.8
979.8
U.S. government securities
704.5
703.7
700.2
691.2
Other securities
272.0
265.5
267.6
288.6

5
Loans and leases in bank credit
2,697.9
2,698.2
2,724.8
2,749.0
2,810.2
2,807.9
6
Commercial and industrial
744.2
741.2
754.1
765.8
784.4
785.6
7
Real estate
1,103.6
1,109.5
1,113.7
1,117.3
1,132.7
1,132.0
8
Revolving home equity
80.0
80.8
81.7
83.0
85.5
85.6
9
Other
1,023.6
1,028.8
1,032.0
1,034.3
1,047.2
1,046.5
10
Consumer
510.3
514.5
519.0
518.1
529.0
528.0
11
Security (3)
76.6
70.8
73.1
76.9
83.2
81.2
12
Other loans and leases
263.1
262.2
264.9
271.0
280.8
281.1
13 Interbank loans
194.5
192.9
199.5
203.2
209.8
14 Cash assets (4)
216.8
212.3
220.8

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

1996

Dec 25

714.6
786.8

79.2
85.3

741.5
787.2

79.2
85.6

498.9
528.9

506.3
530.4

86.9
83.4

79.5
82.0

274.3

242.9
273.8

257.5
280.3

215.8

212.7

206.1
207.1

204.5
215.0

235.7

244.4

238.2
246.9

215.1
273.7

234.6

239.0

15 Other assets (5)
250.5
257.1
259.5
260.4
265.2

251.4

259.7

269.1

225.7
268.4

239.8
272.5

16 TOTAL ASSETS (6)
4,283.1
4,279.5
4,315.9
4,435.9
4,444.3

4,331.2

4,398.0

4,230.6
4,280.0
4,436.2
4,439.2
4,488.9

2,808.3

2,861.5

2,702.1
2,717.9
2,912.8
2,915.6
2,982.7

717.9

734.8

757.2

2,090.4

2,126.6

1,891.1
1,974.4
2,155.7
2,151.0
2,164.5

485.5

495.1

509.6

1,604.9

1,631.5

1,470.7
1,530.4
1,646.1
1,637.6
1,653.4

L I A B I L I T I E S
17 Deposits
2,725.3
2,740.9
2,776.8
2,919.1
2,929.7
18
Transaction
734.8
720.4
724.7
735.4
747.2
19
Nontransaction
1,990.5
2,020.5
2,052.1
2,183.7
2,182.5
20
Large time
451.7
459.7
470.2
515.2
515.4
21
Other
1,538.8
1,560.8
1,581.9
1,668.5
1,667.1

22 Borrowings
713.0
707.5
709.5
672.2
690.4
691.5
689.8
23
From banks in the U.S.
291.5
287.2
286.5
282.8
296.0
293.0
297.1
24
From others
421.5
420.3
423.0
389.3
394.4
398.5
392.6
25
Net due to related foreign offices
251.8
243.4
245.1
245.1
234.1
223.5
223.5

811.0
764.6

420.4
513.4

743.5
818.2

444.1
511.1

691.1

693.0
692.6

721.6
688.6

302.1

298.4
302.3

305.2
296.9

388.9

394.6
390.3

416.4
391.7

228.2

264.2
229.5

249.5
231.7

225.3
249.2

227.1
251.0

26 Other liabilities
218.2
218.1
218.7
258.2
257.3

238.3

252.0

252.3

27 TOTAL LIABILITIES
3,908.3
3,909.9
3,950.1
4,092.3
4,100.3

3,964.0

4,038.0

3,884.6
3,916.2
4,084.4
4,087.0
4,153.9

28 Residual (assets less liabilities) (7)
374.8
369.6
365.8
367.3
360.0
343.5
343.9
29
-82.2
30

351.8

MEMO
Reval. gains on off-bal. sheet items (8)
--68.3
71.4
74.9
84.5
Reval. losses on off-bal. sheet items (8)

345.9
352.2

363.9
335.0

-77.9

-76.5

--

--

-71.3

-74.0

--

58.2

60.4

63.7

66.1

68.6

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

Aug
Jan 15

Sep

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

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

1
Bank credit
3,219.3
3,210.9
3,285.2
3,278.7
2
836.2
833.3
3
628.3
622.2
4
207.9
211.1

Oct

3,226.1

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

1996

1996

Nov

Dec

--------

--------

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

3,234.6

3,241.4

3,172.0
3,214.7
3,256.7
3,265.2
3,270.0

822.3

823.3

855.6
823.8

838.1
825.0

617.4

615.6

643.5
614.1

629.4
617.1

204.9

207.8

212.1
209.7

208.7
207.9

Securities in bank credit
823.7
822.5
821.6
827.8
U.S. government securities
620.2
619.9
618.5
614.4
Other securities
203.5
202.6
203.2
213.3

Dec 25

5
Loans and leases in bank credit (2)
2,316.4
2,376.5
2,383.1
2,387.2
2,403.6
2,412.9
2,419.1
2,433.4
2,441.3
2,445.0
2,451.9
2,450.9
6
Commercial and industrial
534.8
548.5
550.7
552.8
560.6
563.3
564.4
568.8
570.2
571.9
569.0
571.0
7
Real estate
1,041.5
1,070.1
1,070.7
1,076.9
1,078.9
1,080.7
1,084.3
1,091.9
1,091.9
1,097.1
1,098.1
1,097.5
8
Revolving home equity
79.1
79.2
79.8
80.5
81.2
82.3
83.4
85.1
85.5
85.7
85.5
85.6
9
Other
962.4
990.9
990.9
996.4
997.8
998.4
1,000.9
1,006.7
1,006.4
1,011.4
1,012.6
1,011.9
10
Consumer
493.1
510.0
513.0
514.3
517.9
517.5
518.2
518.6
520.2
521.0
521.7
522.4
11
Security (3)
56.4
46.8
45.9
41.9
44.1
43.8
43.1
44.4
47.7
43.0
48.6
45.6
12
Other loans and leases
190.6
201.0
202.8
201.2
202.1
207.5
209.1
209.6
211.3
212.0
214.5
214.3
13

Interbank loans

173.6

184.1

178.0
172.3

181.4
173.1

185.5

181.2

192.6

179.4

181.4

172.6

14 Cash assets (4)
191.3
194.0
192.1
202.4
187.6

193.4

200.6

197.9

193.1
205.4

191.4
196.3

15 Other assets (5)
210.6
215.1
219.8
225.0
225.9

218.1

226.0

233.3

178.8
234.2

200.4
233.8

16 TOTAL ASSETS (6)
3,741.8
3,743.9
3,766.0
3,827.1
3,807.7

3,769.5

3,803.0

3,661.1
3,733.4
3,809.8
3,828.7
3,814.8

2,605.0

2,640.4

2,503.6
2,549.5
2,662.7
2,680.9
2,687.3

708.9

712.4

712.9

1,896.0

1,928.0

1,738.1
1,810.2
1,949.9
1,950.3
1,961.1

295.4

300.5

304.9

1,600.6

1,627.5

1,468.2
1,527.0
1,644.9
1,645.9
1,652.1

L I A B I L I T I E S
17 Deposits
2,552.4
2,572.8
2,591.8
2,660.6
2,663.9
18
Transaction
731.3
723.7
716.1
699.1
702.0
19
Nontransaction
1,821.1
1,849.0
1,875.7
1,961.5
1,961.9
20
Large time
287.1
292.1
297.6
304.3
302.7
21
Other
1,534.0
1,557.0
1,578.1
1,657.2
1,659.2

22 Borrowings
579.4
584.4
595.2
565.7
570.0
571.9
556.4
23
From banks in the U.S.
262.5
262.8
268.2
258.7
258.5
245.9
255.1
24
From others
316.9
321.6
327.1
306.9
311.5
326.1
301.3
25
Net due to related foreign offices
78.0
73.9
74.0
78.6
70.0
69.4
67.9

765.5
730.6

269.9
304.4

739.3
726.2

283.2
309.0

558.5

571.5
562.9

582.9
556.8

246.6

250.2
260.2

270.5
236.9

311.9

321.3
302.6

312.5
319.8

91.4
72.2

80.6
64.9

145.4
170.0

157.1
172.8

68.6

26 Other liabilities
151.4
153.1
153.1
176.6
173.6

165.8

171.9

171.6

27 TOTAL LIABILITIES
3,361.2
3,384.1
3,414.1
3,478.6
3,461.8

3,415.0

3,452.3

3,311.8
3,370.1
3,461.4
3,485.9
3,481.7

28 Residual (assets less liabilities) (7)
380.6
359.8
351.9
354.4
350.7
348.6
345.9

348.4

349.3
342.8

363.3
333.0

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

Aug
Jan 15

Sep

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

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

1
Bank credit
3,211.5
3,207.7
3,283.3
3,274.8
2
832.3
824.9
3
626.3
614.8
4
206.0
210.1

Oct

3,228.6

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

1996

1996

Nov

Dec

--------

--------

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

3,236.7

3,248.3

3,178.0
3,214.9
3,262.9
3,267.4
3,279.1

820.7

817.1

849.1
814.2

841.4
816.2

617.2

613.6

639.7
609.7

630.6
610.8

203.5

203.5

209.4
204.5

210.8
205.4

Securities in bank credit
825.8
824.0
819.9
818.4
U.S. government securities
622.1
622.0
618.4
608.2
Other securities
203.6
202.0
201.5
210.2

Dec 25

5
Loans and leases in bank credit (2)
2,328.9
2,373.5
2,379.2
2,381.9
2,404.6
2,416.8
2,427.6
2,445.7
2,453.2
2,462.9
2,458.4
2,456.4
6
Commercial and industrial
532.8
551.0
550.7
548.6
556.4
560.9
563.3
565.8
567.6
570.6
566.2
567.9
7
Real estate
1,046.3
1,068.8
1,070.6
1,076.4
1,080.7
1,083.8
1,089.9
1,096.8
1,095.7
1,100.1
1,099.7
1,099.2
8
Revolving home equity
79.2
79.2
80.0
80.8
81.7
83.0
83.8
85.2
85.3
85.5
85.5
85.5
9
Other
967.1
989.6
990.7
995.7
999.0
1,000.8
1,006.0
1,011.6
1,010.4
1,014.5
1,014.2
1,013.6
10
Consumer
498.9
506.3
510.3
514.5
519.0
518.1
519.0
524.8
528.9
530.4
529.0
528.0
11
Security (3)
57.0
47.0
44.6
41.0
44.0
44.0
44.5
45.1
47.5
42.5
46.2
45.2
12
Other loans and leases
193.9
200.4
203.0
201.5
204.5
210.0
211.0
213.3
213.6
219.4
217.3
216.2
13 Interbank loans
175.3
176.5
179.4
183.0
186.2

178.0

196.0

191.0

184.6
186.7

182.1
187.3

14 Cash assets (4)
188.6
183.8
192.1
203.3
206.6

193.9

205.4

213.0

208.1
214.8

188.6
242.3

15 Other assets (5)
211.9
216.0
221.0
224.7
227.9

218.6

224.0

232.2

178.2
232.7

200.2
236.6

16 TOTAL ASSETS (6)
3,730.2
3,726.6
3,763.3
3,836.9
3,838.3

3,769.6

3,816.1

3,692.1
3,728.6
3,841.3
3,843.8
3,887.6

2,604.4

2,653.1

2,534.0
2,544.1
2,688.1
2,685.3
2,756.9

707.1

724.0

745.5

1,897.3

1,929.1

1,733.5
1,811.0
1,942.6
1,932.4
1,951.9

294.9

300.1

299.5

1,602.4

1,629.0

1,467.9
1,528.0
1,643.1
1,635.2
1,651.1

L I A B I L I T I E S
17 Deposits
2,547.8
2,562.1
2,591.1
2,687.2
2,696.4
18
Transaction
724.1
710.2
714.5
724.3
735.7
19
Nontransaction
1,823.6
1,852.0
1,876.6
1,962.9
1,960.7
20
Large time
287.2
293.4
296.9
300.1
299.9
21
Other
1,536.4
1,558.5
1,579.6
1,662.7
1,660.7

22 Borrowings
582.4
573.9
585.9
559.0
567.9
570.0
565.7
23
From banks in the U.S.
259.3
252.1
253.1
251.1
259.5
259.8
266.8
24
From others
323.1
321.8
332.9
308.0
308.4
310.2
298.9
25
Net due to related foreign offices
76.9
72.2
70.8
77.9
68.3
65.1
65.1

800.5
753.0

265.5
297.1

733.1
805.0

283.1
300.8

569.0

583.6
569.9

587.1
568.3

264.2

266.7
267.7

270.6
261.1

304.8

316.9
302.2

316.5
307.2

89.3
71.9

79.3
59.6

143.5
170.0

157.5
172.8

66.2

26 Other liabilities
151.4
151.7
153.0
176.6
173.6

165.8

171.9

171.6

27 TOTAL LIABILITIES
3,358.5
3,360.0
3,400.9
3,498.9
3,500.8

3,407.1

3,461.2

3,350.4
3,368.1
3,494.9
3,497.2
3,557.5

28 Residual (assets less liabilities) (7)
371.7
366.6
362.4
362.5
354.8
338.0
337.5
29

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

346.4

341.7
346.6

--

360.6
330.1

--

---32.4
33.1
36.2
41.9
42.9
30 Reval. losses on off-bal. sheet items (8)
---28.9
28.9
31.8
38.3
39.7
31 Mortgage-backed securities (9)
---236.3
238.4
242.0
244.1
243.7

39.3

37.5

-34.2

-36.4

-242.5

-244.9

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

Aug
Jan 15

Sep

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

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

1
Bank credit
1,814.1
1,796.6
1,834.0
1,828.4

Oct

1,804.4

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

1996

1996

Nov

Dec

--------

--------

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

1,807.1

1,808.4

1,829.2
1,820.0
1,815.2
1,823.9
1,820.8

409.6

409.5

452.5
410.6

426.2
409.2

285.6

283.0

318.2
282.4

297.3
283.8

21.8

19.2

23.3
17.2

20.9
17.2

263.8

263.8

294.9
265.2

276.4
266.6

124.0

126.5

134.3
128.2

128.9
125.3

57.8

58.6

62.6
59.6

58.4
57.5

66.2

67.9

71.7
68.6

70.5
67.9

20.2

20.4

21.8
20.4

20.6
20.6

46.0

47.5

49.8
48.2

49.9
47.3

(2)
1,398.8

1,376.7
1,393.8
1,405.7
1,413.3
1,411.6

2
Securities in bank credit
422.0
409.3
407.4
407.1
415.4
411.8
3
U.S. government securities
294.1
285.8
284.9
284.8
287.0
280.9
3a
Trading account
20.8
19.5
20.6
21.3
20.1
15.8
3b
Investment account
273.2
266.4
264.3
263.5
267.0
265.1
4
Other securities
128.0
123.5
122.5
122.3
128.4
130.9
4a
Trading account
59.6
57.7
57.1
55.7
61.3
64.5
4b
Investment account
68.3
65.8
65.4
66.6
67.1
66.5
4c
State and local government
20.6
20.5
20.3
20.2
20.5
20.4
4d
Other
47.7
45.3
45.1
46.4
46.6
46.1
5
Loans and leases in bank credit
1,392.1
1,387.3
1,396.9
1,400.0
1,418.6
1,416.6

Dec 25

6
373.7
383.7
7
558.4
559.9
8
53.1
55.0
9
505.3
504.8
10
280.6
283.2
11
40.9
43.3
12a
11.2
11.1
12b
127.3
137.4

Commercial and industrial
373.9
379.7
381.2
385.5
Real estate
559.3
558.1
556.4
559.0
Revolving home equity
53.2
53.4
53.5
55.1
Other
506.1
504.6
502.9
503.9
Consumer
280.8
283.1
280.1
283.9
Security (3)
36.8
38.9
38.8
40.3
State and local government
11.1
10.8
10.8
11.1
All other
125.4
126.4
132.7
136.9

380.9

383.7

367.7
384.8

373.1
384.9

556.3

559.4

558.0
559.2

561.6
561.9

54.1

54.9

52.8
55.1

52.7
55.0

502.2

504.6

505.2
504.2

508.9
506.9

279.7

279.7

272.2
281.8

280.4
281.0

37.8

39.1

50.7
42.3

41.6
37.7

11.1

11.3

11.6
11.2

11.1
11.2

133.0

132.6

116.5
133.9

126.1
134.8

13 Interbank loans
130.0
132.0
134.1
118.4
117.1

130.3

138.0

124.4

115.1
124.9

132.1
117.9

14 Cash assets (4)
127.1
128.8
127.4
137.3
122.9

127.9

133.7

130.6

130.3
137.3

125.2
127.5

15 Other assets (5)
155.2
159.2
162.3
166.3
164.3

159.7

165.3

172.7

128.0
173.2

150.2
177.0

16 TOTAL ASSETS (6)
2,189.5
2,179.9
2,191.6
2,219.5
2,196.6

2,188.2

2,209.0

2,166.0
2,191.0
2,206.6
2,223.1
2,206.5

1,355.0

1,366.1

1,307.2
1,336.6
1,372.4
1,389.7
1,377.6

386.8

386.8

384.9

430.6
400.4

412.0
390.5

968.3

979.3

987.5

876.6
989.3

924.6
987.1

152.1

154.1

156.4

125.3
156.3

134.5
160.9

816.2

825.2

831.1

751.3
833.1

790.1
826.3

L I A B I L I T I E S
17 Deposits
1,340.9
1,344.8
1,349.1
1,364.4
1,363.0
18
Transaction
409.9
401.6
392.1
376.4
377.2
19
Nontransaction
931.0
943.2
957.0
988.1
985.9
20
Large time
136.4
139.5
145.5
155.2
153.7
21
Other
794.5
803.8
811.5
832.8
832.2

22 Borrowings
417.4
415.7
426.8
402.9
409.2
411.1
397.4
23
From banks in the U.S.
184.4
182.3
185.9
172.9
176.5
169.0
176.3
24
From others
233.0
233.4
240.9
230.0
232.6
242.1
221.1
25
Net due to related foreign offices
72.2
69.5
68.2
75.4
67.7
65.8
63.8

401.4

433.1
405.9

427.4
399.1

171.0

176.7
181.9

185.5
162.9

230.5

256.5
224.0

241.9
236.2

85.2
68.2

75.2
61.6

117.5
148.0

129.0
153.2

65.9

26 Other liabilities
122.5
125.1
126.6
155.8
153.0

141.2

148.5

149.6

27 TOTAL LIABILITIES
1,952.9
1,955.1
1,970.8
1,997.0
1,977.3

1,974.5

1,991.5

1,943.0
1,968.2
1,989.4
2,011.9
1,991.5

28 Residual (assets less liabilities) (7)
236.5
224.8
220.8
213.7
217.6
222.5
219.3

217.3

223.0
211.2

222.9
215.0

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

Aug
Jan 15

Sep

Nov

Dec

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

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

--------

--------

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

1,808.0

1,813.9

1,832.5
1,818.3
1,819.3
1,822.1
1,827.5

409.8

404.6

447.3
400.8

427.2
402.1

287.3

282.3

315.7
277.8

296.1
279.3

1996

1
Bank credit
1,806.4
1,794.5
1,833.3
1,827.2
2
418.8
408.9
3
292.4
281.4
3a
19.9
17.7
3b
272.5
263.7
4

Oct

1,803.5

Securities in bank credit
412.9
409.1
407.4
403.5
U.S. government securities
289.1
287.1
286.7
275.6
Trading account
20.9
21.0
22.0
15.1
Investment account
268.2
266.2
264.7
260.5
Other securities

22.7
264.6

Dec 25

18.3
264.0

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

21.9
14.5

19.6
14.7

293.8
263.4

276.5
264.6

131.6

131.0

126.4
123.7
122.0
120.6
127.6
127.9
4a
Trading account
58.7
57.8
56.2
53.5
60.3
61.1
4b
Investment account
67.7
65.9
65.8
67.1
67.3
66.8
4c
State and local government
20.3
20.3
20.3
20.2
20.4
20.4
4d
Other
47.4
45.6
45.5
46.9
46.9
46.5
5
Loans and leases in bank credit
1,387.7
1,381.6
1,394.4
1,400.7
1,424.4
1,423.7
6
Commercial and industrial
373.6
371.0
376.6
379.6
380.6
382.5
7
Real estate
558.2
558.8
558.3
557.6
562.8
562.2
8
Revolving home equity
53.1
53.4
53.7
54.0
55.0
55.1
9
Other
505.1
505.5
504.5
503.7
507.8
507.1
10
Consumer
278.3
280.5
282.7
280.1
289.1
288.9
11
Security (3)
39.7
35.9
38.9
38.9
40.6
39.6
12a
State and local government
11.2
11.2
10.9
10.9
10.9
11.0
12b
All other
126.7
124.2
127.0
133.6
140.4
139.6

122.5

122.3

123.0

122.8

55.4

54.4

59.8
54.5

61.1
55.0

67.1

68.0

71.8
68.5

69.9
67.8

20.3

20.4

21.9
20.5

20.7
20.6

46.8

47.5

49.9
48.1

49.2
47.2

(2)
1,404.1

1,385.2
1,391.1
1,414.6
1,421.3
1,425.4

380.7

381.3

366.2
382.5

374.2
383.8

559.3

562.4

560.8
561.1

560.3
563.4

54.5

54.9

52.9
55.0

52.6
55.1

504.8

507.5

507.9
506.1

507.8
508.4

280.0

284.3

276.4
288.3

277.9
288.8

39.0

39.5

51.1
42.0

41.9
36.9

11.2

11.2

11.5
11.2

11.1
11.1

134.1

135.8

119.2
136.2

125.7
141.3

13 Interbank loans
129.9
127.8
129.6
123.7
127.9

126.2

137.2

133.0

122.5
131.4

133.2
131.1

14 Cash assets (4)
124.8
120.9
127.7
135.3
138.5

127.6

136.2

141.8

141.0
144.9

124.0
160.4

15 Other assets (5)
156.6
159.9
162.7
165.6
165.8

159.7

163.9

172.3

127.8
173.7

151.2
175.9

16 TOTAL ASSETS (6)
2,181.0
2,166.2
2,186.6
2,221.9
2,223.5

2,184.9

2,214.6

2,187.0
2,190.2
2,229.7
2,235.7
2,258.5

L I A B I L I T I E S
17 Deposits
1,337.5
1,338.2
1,349.1
1,380.0
1,388.7
18
Tranlgdtion
404.4
391.9
392.2
388.8
400.7
19
Nontranlgdtion
933.1
946.3
956.9
991.2
988.0
20
Large time
136.9
141.0
144.7
153.0
152.8
21
Other
796.3
805.3
812.2
838.2
835.2

1,352.4

1,373.4

1,328.2
1,334.7
1,389.7
1,392.8
1,426.9

384.2

393.9

406.9

453.4
416.2

409.0
445.2

968.2

979.5

982.8

874.8
976.6

925.7
981.8

151.2

153.7

152.7

122.6
151.1

134.5
155.2

817.0

825.8

830.0

752.1
825.5

791.3
826.5

407.9

441.2
408.2

430.3
405.5

182.9

187.7
185.4

184.9
178.7

225.0

253.6
222.9

245.3
226.9

83.0
67.8

74.1
55.8

115.8
148.0

129.4
153.2

22 Borrowings
422.9
410.7
420.6
398.4
407.9
407.7
402.5
23
From banks in the U.S.
183.7
176.5
175.5
168.2
177.9
178.0
183.8
24
From others
239.2
234.2
245.2
230.2
230.0
229.7
218.6
25
Net due to related foreign offices
71.2
67.8
65.0
74.5
66.2
61.4
61.4

63.4

26 Other liabilities
122.7
123.7
126.3
155.8
153.0

141.2

148.5

149.6

27 TOTAL LIABILITIES
1,954.4
1,940.4
1,961.0
2,004.8
2,005.6

1,966.6

1,995.9

1,968.1
1,968.5
2,010.6
2,016.8
2,041.5

28 Residual (assets less liabilities) (7)
226.6
225.9
225.6
218.4
218.7
217.1
217.9

219.1

MEMO
Reval. gains on off-bal. sheet itens(8)
---32.4
33.1
36.2
41.9
42.9
30 Reval. losses on off-bal. sheet itens (8)
---28.9
28.9
31.8
38.3
39.7
31 Mortgage-backed securities (9)
---186.7
188.1
190.7
191.4
190.7
29

218.9
218.9

221.7
217.1

-39.3

-37.5

-34.2

-36.4

-191.1

-192.5

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

Aug
Jan 15

Sep

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

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

1
Bank credit
1,405.2
1,414.2
1,451.2
1,450.2
2
414.2
417.9
3
334.3
335.2
4
80.0
82.7

Oct

1,421.8

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

1996

1996

Nov

Dec

--------

--------

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

1,427.5

1,433.0

1,342.8
1,394.7
1,441.5
1,441.3
1,449.2

412.7

413.9

403.1
413.2

412.0
415.8

331.8

332.6

325.2
331.7

332.1
333.3

80.9

81.3

77.8
81.5

79.8
82.5

Securities in bank credit
414.4
415.0
414.5
416.0
U.S. government securities
334.3
335.0
333.6
333.5
Other securities
80.0
80.0
80.9
82.4

5
Loans and leases in bank credit (2)
991.0
999.9
1,006.7
1,013.0
1,020.3
1,033.3
1,034.3
6
Commercial and industrial
176.9
178.9
180.9
182.1
183.5
185.3
185.5
7
Real estate
512.4
517.6
520.9
524.3
528.0
538.2
538.5
8
Revolving home equity
26.8
27.3
27.7
28.8
29.3
30.5
30.5
9
Other
485.6
490.3
493.1
495.5
498.8
507.7
508.0
10
Consumer
232.4
233.5
234.8
237.5
238.5
238.6
238.6
11
Security (3)
5.0
5.1
5.2
5.1
5.3
5.2
5.3
12
Other loans and leases
64.2
64.7
64.9
64.0
65.0
66.0
66.3

Dec 25

1,027.6

939.8
1,028.1

982.7
1,033.4

185.2

167.2
185.5

175.4
187.0

532.4

483.5
532.6

508.6
535.1

26.3
30.4

26.5
30.6

502.2

457.2
502.2

482.0
504.5

239.0

220.9
238.5

229.7
240.0

5.7
5.4

5.3
5.3

30.3

5.3
65.7

62.5
66.1

63.8
66.0

13
48.0
53.9

Interbank loans
49.4
51.4
56.0

50.9

54.5

55.1

58.5
56.5

52.0
54.7

14
64.2
65.0

Cash assets (4)
65.2
64.7
64.7

65.5

66.9

67.3

62.8
68.1

66.3
68.8

15
55.4
58.7

Other assets (5)
55.9
57.5
61.6

16 TOTAL ASSETS (6)
1,552.3
1,564.0
1,574.5
1,607.6
1,611.1

50.9
61.0

50.2
56.8

58.4

60.7

60.5

1,581.2

1,594.0

1,495.1
1,542.4
1,603.2
1,605.6
1,608.3

1,249.9

1,274.2

1,196.4
1,212.9
1,290.3
1,291.2
1,309.6

322.2

325.6

328.0

334.9
330.2

327.3
335.7

927.8

948.7

962.4

861.5
960.9

885.6
974.0

143.4

146.4

148.5

144.6
148.1

148.8
148.1

784.4

802.3

813.9

716.9
812.8

736.8
825.8

157.1

138.3
157.0

155.5
157.7

75.7

73.5
78.4

85.0
74.1

81.4

64.8
78.6

70.5
83.6

2.6

6.2
3.9

5.4
3.4

27.9
21.9

28.1
19.6

L I A B I L I T I E S
17 Deposits
1,211.5
1,227.9
1,242.7
1,296.2
1,300.9
18
Transaction
321.4
322.1
323.9
322.7
324.8
19
Nontransaction
890.1
905.8
918.7
973.5
976.0
20
Large time
150.6
152.6
152.1
149.1
149.0
21
Other
739.5
753.2
766.6
824.4
827.0

22 Borrowings
162.0
168.7
168.4
162.8
160.9
160.8
159.0
23
From banks in the U.S.
78.1
80.5
82.2
85.8
82.0
76.9
78.8
24
From others
83.9
88.2
86.1
76.9
78.8
83.9
80.2
25
Net due to related foreign offices
5.8
4.4
5.8
3.3
2.3
3.7
4.1
26
29.0
20.8

Other liabilities
28.0
26.5
20.6

27 TOTAL LIABILITIES
1,408.3
1,429.0
1,443.4
1,481.5
1,484.6

24.5

23.5

22.0

1,440.5

1,460.8

1,368.8
1,401.9
1,472.1
1,474.0
1,490.2

28 Residual (assets less liabilities) (7)
144.0
135.0
131.1
140.8
133.1
126.1
126.6

131.1

126.3
131.7

140.5
118.1

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

Aug
Jan 15

Sep

Oct

Nov

Dec

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

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

--------

--------

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

1,428.7

1,434.4

1,345.5
1,396.6
1,443.6
1,445.2
1,451.6

410.9

412.5

401.8
413.3

414.3
414.1

329.9

331.3

324.0
331.8

334.5
331.5

81.0

81.2

77.8
81.5

79.8
82.6

1
Bank credit
1,405.1
1,413.2
1,449.9
1,447.6
2
413.5
415.9
3
333.9
333.4
4
79.6
82.5

1,425.0

Securities in bank credit
412.9
414.9
412.5
414.9
U.S. government securities
333.0
334.8
331.7
332.6
Other securities
79.9
80.1
80.8
82.4

5
Loans and leases in bank credit (2)
991.5
1,000.3
1,010.2
1,016.2
1,023.5
1,034.0
1,032.7
6
Commercial and industrial
177.0
177.6
179.8
181.3
182.7
185.5
185.4
7
Real estate
512.5
517.6
522.4
526.2
530.6
536.9
537.0
8
Revolving home equity
26.9
27.4
28.0
29.0
29.4
30.4
30.4
9
Other
485.6
490.2
494.4
497.2
501.2
506.5
506.6
10
Consumer
232.0
234.0
236.3
238.0
239.0
239.9
239.1
11
Security (3)
4.9
5.1
5.1
5.1
5.5
5.6
5.5
12
Other loans and leases
65.1
66.1
66.5
65.6
65.7
66.0
65.7

Dec 25

Week ending
Dec
Jun
Jan 1
Jan 8

1,031.1

943.6
1,031.9

982.3
1,037.5

184.4

166.6
185.1

176.8
186.8

534.3

485.5
534.6

508.4
536.6

26.3
30.3

26.6
30.5

504.1

459.2
504.2

481.9
506.2

240.5

222.5
240.6

228.4
241.6

5.6

6.0
5.4

5.1
5.5

66.2

63.1
66.2

63.6
67.0

30.3

13
45.5
59.3

Interbank loans
48.7
49.8
58.3

51.8

58.8

58.1

62.1
55.3

48.9
56.2

14
63.8
67.9

Cash assets (4)
62.9
64.5
68.1

66.3

69.2

71.2

67.0
69.9

64.6
81.9

15
55.3

Other assets (5)
56.2
58.2

58.9

60.1

59.9

50.4
58.9

49.0
60.8

Jul

59.1

62.1

16 TOTAL ASSETS (6)
1,549.1
1,560.3
1,576.6
1,615.0
1,614.9

1,601.4

1,505.0
1,538.4
1,611.6
1,608.1
1,629.1

1,252.0

1,279.7

1,205.8
1,209.4
1,298.4
1,292.6
1,330.0

322.9

330.2

338.6

347.1
336.8

324.1
359.9

929.1

949.5

959.8

858.7
955.8

885.3
970.1

143.7

146.3

146.8

142.9
146.0

148.6
145.6

785.4

803.2

813.1

715.8
809.7

736.7
824.5

161.2

142.4
161.7

156.9
162.7

81.3

79.1
82.3

85.7
82.4

79.8

63.3
79.3

71.2
80.3

2.7

6.3
4.2

5.2
3.8

27.8
21.9

28.1
19.6

1,584.6

L I A B I L I T I E S
17 Deposits
1,210.2
1,223.9
1,242.0
1,307.2
1,307.6
18
Transaction
319.8
318.2
322.4
335.4
335.0
19
Nontransaction
890.5
905.7
919.7
971.7
972.7
20
Large time
150.3
152.4
152.2
147.1
147.1
21
Other
740.1
753.2
767.5
824.6
825.5

22 Borrowings
159.5
163.2
165.3
160.6
160.0
162.4
163.2
23
From banks in the U.S.
75.5
75.7
77.6
82.9
81.6
81.8
82.9
24
From others
83.9
87.6
87.7
77.7
78.4
80.6
80.3
25
Net due to related foreign offices
5.7
4.4
5.9
3.4
2.2
3.8
3.8
26
28.7
20.8

Other liabilities
28.0
26.7
20.6

27 TOTAL LIABILITIES
1,404.1
1,419.6
1,439.9
1,494.1
1,495.2

24.5

23.5

22.0

1,440.5

1,465.3

1,382.3
1,399.6
1,484.3
1,480.3
1,516.1

MEMO
28 Residual (assets less liabilities) (7)
145.1
140.7
136.8
144.1
136.1
120.8
119.6
31 Mortgage-backed securities (9)
---49.7
50.3
52.7
52.9

127.3
51.3

122.8
127.7
-51.4

138.8
113.0
-52.4

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

Aug
Jan 15

Sep

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

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

1
Bank credit
466.0
464.7
516.5
516.8

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

1996

Nov

Dec

--------

--------

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

483.4

504.2

511.1

438.1
515.1

466.1
508.8

164.2

170.4

146.4
173.7

151.6
168.0

88.3

88.7

67.1
91.8

79.0
88.3

75.9

81.7

79.3
81.9

72.5
79.7

(2)
340.0

340.7

291.7
341.4

314.5
340.8

210.5

217.1

181.6
218.1

190.0
216.5

33.4

33.1

36.0
33.2

33.2
32.9

35.6

31.8

26.7
32.6

34.7
34.0

60.4

58.7

47.5
57.5

56.5
57.5

Oct

1996

463.9

2
147.4
170.2
3
79.3
85.4
4
68.2
84.8

Securities in bank credit
148.6
144.0
146.9
171.8
U.S. government securities
81.1
82.3
82.5
81.7
Other securities
67.5
61.7
64.4
90.1

5
318.5
346.2
6
192.4
217.2
7
33.1
33.2
11
33.2
34.7
12
59.8
61.3

Loans and leases in bank credit
316.1
319.9
336.5
345.0
Commercial and industrial
191.7
198.4
207.0
217.4
Real estate
33.1
32.9
33.5
33.0
Security (3)
30.8
29.3
34.8
30.7
Other loans and leases
60.5
59.2
61.3
63.9

Dec 25

13
19.3
19.3

Interbank loans
16.9
19.5
23.1

18.5

20.4

20.4

20.1
19.4

24.3
23.4

14
27.7
31.9

Cash assets (4)
27.8
27.8
32.5

28.7

30.7

31.8

30.5
31.7

25.7
31.2

15
39.1
35.5

Other assets (5)
40.2
38.3
37.7

33.0

35.2

36.7

47.2
36.3

39.8
36.0

563.4

590.3

599.7

535.8
602.4

555.8
599.3

16 TOTAL ASSETS (6)
552.0
549.5
549.5
603.0
609.9
L I A B I L I T I E S

17 Deposits
179.8
180.5
185.8
233.9
233.3
18
Transaction
10.6
10.3
9.6
11.2
11.4
19
Nontransaction
169.2
170.1
176.2
222.7
222.0
20
Large time
166.8
168.4
173.8
217.3
216.6
21
Other
2.4
1.7
2.3
5.4
5.3

167.2
224.4

171.7
222.7

10.1
10.9

10.7
12.0

209.9

157.0
213.5

161.0
210.7

193.2

205.4

151.6
210.0

161.0
206.8

2.5

4.6

5.5
3.4

0.0
3.9

110.3
123.5

130.2
120.7

35.9

30.1
33.4

32.7
33.1

86.5

80.2
90.1

97.5
87.6

172.2
154.0

176.6
160.3

84.8
79.2

69.2
78.2

534.4
581.1

547.7
581.9

205.7

206.4

221.0

10.7

10.7

11.1

195.0

195.7

191.9
3.1

22 Borrowings
124.9
131.7
121.8
115.7
126.3
123.6
126.1
23
From banks in the U.S.
30.8
35.5
33.6
33.9
37.1
31.5
28.4
24
From others
94.0
96.2
88.2
81.8
89.2
92.1
97.7
25
Net due to related foreign offices
175.6
170.5
174.9
165.1
166.8
148.6
150.7
26
67.3
81.6

Other liabilities
65.5
65.5
83.7

27 TOTAL LIABILITIES
547.5
548.2
548.0
587.8
593.8
28
4.5
15.2

122.4

161.4

72.6

80.1

80.7

559.0

579.6

585.5

Residual (assets less liabilities) (7)
1.3
1.5
4.4
10.8
16.1

14.3

1.4
21.3

8.1
17.4

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

Aug
Jan 15

Sep

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

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

1
Bank credit
467.0
467.0

Oct

465.4

1995
1996
1996
Week ending
Dec
Jun
Jul
Jan 1
Jan 8

1996

1996

Nov

Dec

--------

--------

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

480.1

496.3

505.2

Dec 25

439.3
507.4

462.9
506.5

511.9
2
148.4
160.2
3
79.0
84.7
3a
-17.3
3b
-67.4
4
69.3
75.5
4a
-53.4
4b
-22.1
5
318.7
351.8
6
193.5
218.2
7
33.0
33.0
11
32.0
37.0
12
60.1
63.5

512.9
Securities in bank credit
150.7
145.2
147.9
158.0
161.4
U.S. government securities
82.4
81.7
81.8
87.2
83.0
Trading account
--18.6
21.8
16.2
Investment account
--63.2
65.4
66.8
Other securities
68.3
63.5
66.1
70.8
78.3
Trading account
--47.8
51.7
55.1
Investment account
--18.4
19.0
23.2
Loans and leases in bank credit (2)
316.3
320.2
332.2
338.3
351.5
Commercial and industrial
192.6
197.7
204.9
209.7
217.7
Real estate
33.1
33.0
33.5
33.6
32.9
Security (3)
29.8
29.1
32.9
34.7
36.0
Other loans and leases
60.7
60.4
60.9
60.3
64.9

158.9
85.9

142.7
158.9

149.7
156.7

66.2
86.1

78.0
84.4

20.0

-19.1

-19.4

65.9

-67.0

-65.0

73.0

76.4
72.9

71.7
72.3

53.8

-53.6

-53.3

19.2

-19.3

-18.9

346.3

296.7
348.4

313.2
349.8

216.5

181.8
219.2

190.5
216.6

33.1

35.9
33.0

33.1
32.8

35.6

29.8
35.9

32.5
39.5

61.0

49.0
60.3

57.1
60.8

13
19.2
20.1

Interbank loans
16.4
20.1
23.6

19.8

19.8

21.6

21.5
20.4

22.4
27.7

14
28.2
31.3

Cash assets (4)
28.5
28.7
32.4

29.1

30.3

31.4

30.2
32.1

26.6
31.4

15
38.6
35.8

Other assets (5)
41.1
38.5
37.3

32.8

35.7

36.9

47.5
35.7

39.6
35.8

561.6

581.9

594.9

538.5
595.4

551.4
601.3

168.1

173.8

16 TOTAL ASSETS (6)
553.0
552.9
552.6
599.0
605.9
L I A B I L I T I E S
17

Deposits

177.5
231.9
18
10.6
11.1
19
166.9
220.8
20
164.5
215.0
21
2.4
5.8

178.8
185.7
233.3
Transaction
10.3
10.2
11.5
Nontransaction
168.5
175.5
221.9
Large time
166.3
173.2
215.5
Other
2.3
2.3
6.3

203.9

208.4

224.7

10.8

10.8

11.6

193.1

197.6

190.6
2.5

Other liabilities
66.4
65.7
83.7

27 TOTAL LIABILITIES
549.9
549.9
549.2
593.4
599.5
28
3.1
5.6
29

-40.3
30
-33.0

225.7

10.5
11.6

10.4
13.2

213.1

157.6
218.7

163.4
212.6

195.0

210.1

154.9
216.3

161.0
210.3

2.5

3.0

2.7
2.4

2.4
2.3

109.4
122.7

134.4
120.3

37.9

31.7
34.7

34.5
35.9

84.1

77.8
88.1

99.9
84.5

174.9
157.6

170.2
172.1

81.8
79.2

69.7
78.2

534.2
589.8

548.1
596.4

4.2
5.6

3.3
4.9

22 Borrowings
130.6
133.6
123.6
113.2
122.5
121.5
124.1
23
From banks in the U.S.
32.2
35.1
33.5
31.8
36.5
33.2
30.3
24
From others
98.4
98.5
90.1
81.4
86.1
88.3
93.7
25
Net due to related foreign offices
175.0
171.2
174.3
167.2
165.7
158.4
158.4
26
66.8
81.6

230.3

122.1

162.0

72.6

80.1

80.7

556.9

576.7

589.5

Residual (assets less liabilities) (7)
3.0
3.4
4.8
5.2
6.4

5.5

MEMO
Reval. gains on off-bal. sheet items (8)
--35.9
38.4
38.7
41.6
Reval. losses on off-bal. sheet items (8)
--29.3
31.5
32.0
34.3

-38.5

-39.0

-31.8

-32.1

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
January 15, 1997.
Federa
l Reserve Distict
National
___________________________________________________________

York

Philadelphia
Cleveland Richmond
ASSETS
1 Bank credit
338.4
103.3
162.4
180.3
2
Securities in bank credit (14)
3
3a
3b
76.1
3c
55.5
3d
20.6
3e
3.8
3f
10.9
3g
5.8
4
4a
4b
19.6
4c
6.5
4d
13.0
5
242.8
6
64.1
6a
0.7
6b
63.4
7
96.8
8
7.7
9a
60.2
9b
28.9
10
35.1
11
13.8
11a
6.0
11b
7.8
12a

total
Atlanta
206.6

275.6

Trading account (14)

Trading account (14)

92.1

403.5

U.S. government securities (14)

Investment account
5.1
24.9
28.1
Mortgage-backed
2.0
18.3
15.9
Other
3.0
6.6
12.2
1 year or less
0.9
1.4
3.4
Between 1 and 5 years
1.7
4.3
7.6
More than 5 years
0.4
1.0
1.2
Other securities (14)

1,827.2

Boston

15.1
27.1
16.2
10.9
2.4
6.7
1.8

260.5

16.1

167.2

7.0

93.3

9.1

25.3

3.3

53.3

5.1

14.7

0.7

127.9
61.1

Investment account
66.8
2.0
5.9
4.4
9.8
State and local government
20.4
0.6
0.8
1.0
2.0
Other
46.5
1.5
5.1
3.4
7.8
Loans and leases in bank credit (2)
1,423.7
96.2
131.6
147.8
169.6
Commerical and industrial
382.5
15.1
37.6
35.2
37.5
Bankers accep and commercial paper
1.8
0.0
0.1
0.1
0.0
Other
380.6
15.1
37.6
35.1
37.5
Real estate
562.2
27.5
48.4
73.9
82.3
Revolving home equtiy
55.1
3.3
5.7
6.9
5.9
Other residential
323.4
19.7
29.0
45.3
49.0
Commercial
183.6
4.6
13.7
21.7
27.4
Consumer
288.9
46.8
30.4
19.8
36.8
Security (3)
39.6
0.1
0.9
4.1
1.8
Fed funds and RPs with broker/dealer
24.6
0.0
0.0
3.8
1.4
Other
15.1
0.1
0.9
0.2
0.4
State and local government
11.0

5.3
1.9
3.5
70.7
26.1
0.1
26.0
20.0
3.2
8.7
8.1
7.1
8.3
7.9
0.4
0.2

New

1.5
12b
0.2
12c
2.4
12d
15.7
12e
13.1
13
46.5
13a
26.3
13b
20.3
14
28.0
15
108.0
16
508.9

0.7
1.2
1.9
Agricultural
0.1
0.2
0.4
Fed funds and RPs with others
0.0
0.0
1.1
All other loans
1.6
3.2
5.3
Lease financing receivables
4.3
9.5
6.1
Interbank loans
3.0
7.9
11.9
Fed funds and RPs with banks
2.9
5.0
8.3
Other
0.1
2.8
3.6
Cash assets(4)
5.8
10.7
9.7
Other assets (12)
12.9
12.3
32.4
TOTAL ASSETS (6)
122.8
190.3
232.0

2.1
0.5
0.1
3.7
4.9
12.9
11.3
1.5
13.0
15.7
245.1

7.7

0.0

5.3

0.6

61.9

3.6

64.7

4.8

127.9

5.2

78.3

2.7

49.6

2.4

138.5

7.1

195.2

15.8

2,252.9

118.6

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
January 15, 1997.
Federa

l Reserve Distict
National
___________________________________________________________
total
York
Philadelphia Cleveland Richmond
Atlanta
17
278.3
18
77.2
19
201.1
20
41.3
21
159.8
22
72.5
23
23.3
24
49.2
26
92.5
27
443.4

Deposits
68.8
Transaction
15.7
Nontransaction
53.1
Large time
11.4
Other
41.7
Borrowings
33.7
From banks in
16.4
From others
17.4
Other liabilities
8.6
TOTAL LIABILITIES
111.1

28
65.5

Residual (assets less liabilities (13)
11.6
13.8
16.0

123.9

125.0

173.1

30.8

29.5

36.7

93.1
10.1
83.0

95.5
13.3
82.2

136.3
18.3
118.0

40.1
the US
17.0

57.5

37.6

26.0

22.0

23.1
(13)
12.5

31.4

15.5

33.6

13.8

176.5

216.0

224.4
20.7

Boston

1,388.7

67.9

400.7

23.7

988.0

44.3

152.8

7.2

835.2

37.0

402.5

26.7

183.8

7.2

218.6

19.5

243.7

13.7

2,035.0

108.4

217.9

10.2

New

29

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

42.9

30

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

39.7

31 Mortgage-backed securities (9)
60.3
3.3
19.7
17.5
31a
Pass-through
47.4
1.7
12.2
14.3
31b
CMO, REMIC and other
12.9
1.5
7.5
3.3
32 Net unrealized ganis (losses)
33

22.0
13.7
8.3

190.7

7.6

131.6

5.6

59.1

2.1

2.7

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

30.9

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
January 15, 1997.
Federa
l Reserve Distict

_______________________________

_______________________________________
Kansac City
Dallas
San Francisco
ASSETS
1 Bank credit
40.7
26.0
69.5
299.9
2
Securities in bank credit (14)

Chicago

St.Louis

Minneapolis

3
3a
3b
2.7
3c
1.8
3d
0.9
3e
0.1
3f
0.5
3g
0.2
4
4a
4b
0.6
4c
0.2
4d

189.5

42.2

25.9

7.6

11.9

4.7

13.9

3.0

6.6

0.9

5.9

1.7

1.4

0.5

6.6

1.7

3.7

0.7

3.0

1.0

U.S. government securities (14)
Trading account (14)
Investment account (14)
6.2
12.0
28.7
Mortgage-backed
4.0
9.9
19.9
Other
2.2
2.2
8.7
1 year or less
0.5
0.2
1.8
Between 1 and 5 years
1.4
1.7
5.8
More than 5 years
0.3
0.3
1.1
Other securities (14)
Trading account (14)
Investment accout (14)
1.0
2.3
7.4
State and local government
0.6
0.7
1.7
Other

0.4
5
37.3
6
8.1
6a
0.0
6b
8.1
7
8.6
8
0.4
9a
5.9
9b
2.3
10
16.0
11
1.5
11a
1.1
11b
0.4
12a
0.1
12b
0.2
12c
0.0
12d
2.0
12e
0.9
13
4.2
13a
3.9
13b
0.3
14
2.2
15
2.6
16
48.9

0.5
1.6
5.7
Loans and leases in bank credit (2)
18.8
55.3
263.8
Commerical and industrial
5.1
24.5
55.3
Bankers accep and commercial paper
0.1
0.0
0.5
Other
5.1
24.5
54.8
Real estate
6.8
14.8
119.2
Revolving home equtiy
0.4
0.3
15.1
Other residential
3.7
10.1
62.6
Commercial
2.7
4.4
41.5
Consumer
4.8
9.6
53.4
Security (3)
0.0
1.0
2.1
Fed funds and RPs with broker/dealer
0.0
0.7
1.2
Other
0.0
0.3
0.9
State and local government
0.1
0.1
1.4
Agricultural
0.5
0.2
4.8
Fed funds and RPs with others
0.0
0.2
0.2
All other loans
1.1
4.0
12.7
Lease financing receivables
0.3
0.8
14.7
Interbank loans
1.2
6.6
18.4
Fed funds and RPs with banks
0.9
1.0
6.3
Other
0.3
5.5
12.0
Cash assets(4)
2.6
12.0
26.5
Other assets (12)
1.5
6.9
39.9
TOTAL ASSETS
31.0
94.1
378.2

157.0

32.8

65.4

8.3

0.2

0.0

65.2

8.3

48.6

15.2

4.9

1.3

19.2

10.2

24.5

3.8

23.9

5.2

4.3

1.8

0.9

1.6

3.4

0.2

1.3

0.2

0.5

0.1

0.6

0.0

8.0

1.0

4.3

1.0

8.7

1.5

8.1

1.4

0.7

0.1

17.7

3.3

20.2

3.3

233.2

49.9

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
January 15, 1997.
Federa

l Reserve Distict
_______________________________________

_______________________________
Chicago

St.Louis

Minneapolis

Kansas City

Dallas

San Francisco

17
23.1
18
7.6
19
15.5
20
1.5
21
14.0
22
18.2
23
14.7
24
3.5
26
3.5

Deposits
24.1
70.1
Transaction
6.5
22.9
Nontransaction
17.7
47.2
Large time
1.6
4.5
Other
16.1
42.7
Borrowings
3.5
11.4
From banks in the US
2.2
4.0
From others
1.3
7.3
Other liabilities (13)
1.1
4.6

27
44.8

TOTAL LIABILITIES
28.7

28
4.1

Residual (assets less liabilities (13)
2.3
8.0
40.5

86.1

262.0
99.1
162.9
23.9
139.1
45.7
23.5
22.2

337.7

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

30

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

33

30.4

43.5

7.6

98.5

22.8

17.3

2.4

81.2

20.4

42.5

13.3

18.3

9.3

24.2

4.0

27.1

2.7

211.5

46.4

21.6

3.5

14.0

5.4

7.4

2.3

6.6

3.2

30.0

29

31 Mortgage-backed securities (9)
1.9
4.9
10.8
31a
Pass-through
1.7
3.6
8.7
31b
CMO, REMIC and other
0.3
1.3
2.0
32 Net unrealized ganis (losses)

142.0

23.3
13.2
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.