Notice to Users of the H.

8 Release
Data on the attached H.8 release have been benchmarked through the December 1998
Call Report. Data on the previous release were
benchmarked through the September 1998 Call Report.
New seasonal factors have been calculated and applied back to 1973.
Historical H.8 data may be accessed through the Board's Web site:
http://www.federalreserve.gov
H.8 (510)
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
For use at 4:15 p.m. Eastern Time

Seasonally adjusted, billions of dollars
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

4,525.0

4,511.1

4,215.8
4,388.0
4,477.2
4,483.5
4,467.7

1,205.2

1,125.1
1,173.0
1,185.6
1,187.3
1,176.2

789.6

796.9

777.1
771.0
791.7
789.9

415.6

388.7

348.0
402.0
395.6
386.3

(2)
3,305.9

3,090.7
3,215.0
3,291.5
3,296.1
3,291.5

943.6

947.4

1,331.9

1,265.3
1,284.1
1,332.2
1,336.9
1,334.6

A S S E T S

1
Bank credit
4,487.0
4,527.2
4,474.0
4,475.1

4,545.7

2
Securities in bank credit
1,215.3
1,219.4
1,223.3
1,215.4
1,185.9
1,186.7
3
U.S. government securities
776.4
789.6
791.4
792.4
801.5
805.7
4
Other securities
438.9
429.8
431.9
423.0
384.4
380.9
5
Loans and leases in bank credit
3,271.7
3,307.9
3,322.4
3,309.6
3,288.1
3,288.4
6
Commercial and industrial
938.2
948.8
946.7
943.9
953.2
944.9
7
Real estate
1,292.0
1,315.0
1,329.3
1,329.8
1,328.0
1,330.1
8
Revolving home equity

871.1
915.3
942.6
949.5

98.0

97.7

96.7
96.6
9
1,195.3
1,231.4
10
498.1
502.4
11
157.6
112.7
12
385.9
391.9

96.9
96.7
96.6
96.9
Other
1,218.1
1,232.6
1,233.2
1,233.2
Consumer
501.2
502.9
504.4
501.7
Security (3)
150.9
151.3
146.8
122.4
Other loans and leases
391.9
392.2
384.7
389.3

96.2

96.4

96.0

96.2

1,235.7

1,167.2
1,186.4
1,235.8
1,240.9
1,238.4

503.8

502.3

500.3
496.0
502.0
502.9

139.1

119.6

115.9
142.9
124.5
116.0

387.4

390.0

338.1
376.7
390.2
388.5

13 Interbank loans
218.8
217.6
217.3
232.9
212.9

222.3

225.7

220.3

215.0
217.0
220.0
216.2

14 Cash assets (4)
247.7
255.0
257.7
264.7
263.0

265.6

262.7

260.8

272.1
253.4
264.8
250.6

15 Other assets (5)
326.3
334.3
335.5
349.6
369.1

347.2

352.6

357.4

299.5
325.6
355.0
358.2

16 TOTAL ASSETS (6)
5,222.0
5,276.2
5,298.2
5,263.0
5,261.4

5,302.2

5,293.9

4,945.5
5,126.6
5,257.3
5,265.1
5,234.6

3,361.1

3,369.6

3,197.4
3,264.2
3,355.4
3,359.5
3,355.4

666.4

661.5

664.2

2,694.7

2,708.1

2,507.6
2,589.1
2,691.2
2,709.2
2,698.1

724.3

727.4

717.5

1,970.5

1,980.6

1,820.6
1,887.1
1,973.8
1,985.3
1,976.3

987.1

981.1

889.9
945.0
997.4
970.5

315.5

316.9

306.3
304.9
323.2
311.1

671.6

664.2

583.5
640.1
674.2
659.5

L I A B I L I T I E S
17 Deposits
3,289.7
3,324.9
3,340.4
3,339.5
3,351.6
18
Transaction
673.4
670.7
672.2
674.2
676.9
19
Nontransaction
2,616.3
2,654.2
2,668.2
2,665.3
2,674.7
20
Large time
716.4
727.8
719.3
710.3
709.3
21
Other
1,899.9
1,926.4
1,948.8
1,955.0
1,965.4

22 Borrowings
983.7
1,017.5
1,022.9
1,002.0
980.2
974.6
23
From banks in the U.S.
315.0
323.9
323.2
317.9
323.5
312.8
24
From others
668.6
693.6
699.7
684.1
656.7
661.7

689.8
675.2
650.3
657.3

687.0
702.0
723.9
721.8

25 Net due to related foreign offices
220.9
214.4
213.9
213.5
217.4
225.7
233.9

220.6

205.4
206.4
217.8
215.2

26 Other liabilities
310.9
297.9
301.0
270.2
264.1

300.7

294.8

269.4

258.5
296.5
269.9
266.8

27 TOTAL LIABILITIES
4,805.2
4,854.7
4,878.2
4,815.6
4,824.2

4,877.3

4,868.9

4,551.2
4,712.2
4,826.6
4,844.7
4,807.9

28 Residual (assets less liabilities) (7)
416.7
421.6
420.0
424.9
425.0
447.4
437.3

430.7

394.3
414.4
420.4
426.7

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 2
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

4,534.2

4,508.8

4,213.7
4,380.1
4,475.5
4,480.7
4,467.4

1,210.7

1,131.7
1,163.6
1,192.3
1,195.9
1,183.2

793.8

803.3

783.4
762.3
798.9
796.1

416.9

389.0

348.3
401.3
397.1
387.1

A S S E T S

1
Bank credit
4,492.1
4,540.8
4,464.5
4,478.0

4,561.4

2
Securities in bank credit
1,213.2
1,225.5
1,225.0
1,218.0
1,188.9
1,194.0
3
U.S. government securities
771.7
792.0
792.2
792.7
806.1
813.3
4
Other securities
441.5
433.6
432.8
425.3

382.8

380.7

5
Loans and leases in bank credit
3,278.9
3,315.2
3,336.3
3,316.2
3,275.6
3,284.0
6
Commercial and industrial
937.9
948.3
946.7
942.7
956.6
950.8
7
Real estate
1,295.5
1,319.0
1,331.2
1,328.8
1,319.9
1,324.3
8
Revolving home equity
97.5
97.7
97.1
96.6
95.6
95.9
9
Other
1,197.9
1,221.3
1,234.1
1,232.2
1,224.3
1,228.5
10
Consumer
498.6
501.6
508.3
510.7
497.5
496.0
11
Security (3)
159.2
153.4
153.5
146.9
115.9
124.2
12
Other loans and leases
387.8
393.0
396.7
387.0
385.7
388.6

(2)
3,298.1

3,082.0
3,216.5
3,283.2
3,284.8
3,284.3

945.1

951.0

1,326.3

1,259.3
1,287.5
1,325.7
1,331.7
1,327.9

95.8

95.6

1,230.5

1,162.1
1,189.1
1,230.2
1,236.4
1,232.5

503.7

497.5

495.4
499.0
497.2
498.4

138.8

123.0

119.3
139.0
127.8
120.9

384.2

386.0

334.2
378.9
384.9
383.8

873.9
912.1
943.1
953.4

97.2
95.4

98.4
95.4

13 Interbank loans
216.7
227.0
225.5
228.5
219.3

225.2

225.4

223.4

218.0
213.1
225.5
219.8

14 Cash assets (4)
248.1
261.8
273.1
246.4
261.7

279.0

263.7

253.2

263.8
250.9
255.8
247.0

15 Other assets (5)
324.2
332.7
336.3
342.3
370.1

340.0

349.4

352.9

295.7
327.8
349.0
350.6

16 TOTAL ASSETS (6)
5,223.3
5,304.3
5,338.4
5,223.5
5,270.9

5,320.9

5,289.3

4,934.3
5,114.3
5,246.7
5,252.7
5,226.5

3,360.4

3,346.7

3,192.0
3,261.9
3,350.1
3,354.8
3,349.2

681.2

656.6

657.7

2,679.3

2,690.0

2,509.3
2,593.1
2,692.4
2,710.7
2,696.1

722.4

728.1

719.5

L I A B I L I T I E S
17 Deposits
3,289.2
3,350.7
3,374.2
3,314.9
3,366.6
18
Transaction
663.3
681.0
706.4
647.2
685.1
19
Nontransaction
2,625.9
2,669.7
2,667.8
2,667.8
2,681.5
20
Large time
718.0
732.7
723.9
712.5
710.2
21
Other

682.7
668.8
644.2
653.1

688.7
703.7
726.5
723.7
1,820.6

1,889.4

1,907.9
1,955.2

1,937.0
1,971.3

1,943.9

1,956.9

1,961.9

1,972.9

990.2

975.5

885.3
940.8
983.2
970.8

316.0

316.8

306.4
301.7
320.1
311.7

674.2

658.7

578.9
639.1
663.1
659.1

25 Net due to related foreign offices
223.4
216.3
219.1
216.4
227.1
230.5
230.5

218.6

203.8
203.1
212.6
210.0

26 Other liabilities
309.4
298.2
301.8
270.3
263.8

301.6

297.2

270.1

259.2
295.5
271.5
267.5

27 TOTAL LIABILITIES
4,807.9
4,888.2
4,920.6
4,795.2
4,826.4

4,896.8

4,861.1

4,540.2
4,701.3
4,814.3
4,822.1
4,797.5

22 Borrowings
985.9
1,023.1
1,025.5
1,018.4
979.5
965.5
23
From banks in the U.S.
313.1
327.6
329.2
323.0
324.8
313.7
24
From others
672.7
695.5
696.3
695.4
654.7
651.8

28 Residual (assets less liabilities) (7)
415.3
416.1
417.8
424.1
428.1
428.3
444.5
MEMO
29 Reval. gains on off-bal. sheet items (8)
130.7
111.2
113.2
111.9
108.1
82.1
82.4
30 Reval. losses on off-bal. sheet items (8)
128.0
110.1
111.4
108.1
106.6
82.4
80.3

432.4

1,984.2

394.0
413.0
430.7
429.0

88.1

109.4
91.4
83.5

89.7

109.3
89.6
81.5

86.4
85.1

1,972.4

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED
STATES (1)
Seasonally adjusted, billions of dollars
April 9, 1999

1998

1998

Nov
Mar 31

Dec

Account
1999
Jan

1999

1999

Feb

Mar

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

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

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

--------

--------

--------

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

3,941.9

3,942.1

3,651.9
3,790.0
3,922.8
3,925.6
3,915.5

A S S E T S

1
Bank credit
3,867.4
3,916.7
3,922.6
3,919.3
2
996.7
987.8
3
695.6
717.3
4
301.1
270.5

3,947.9

Securities in bank credit
1,004.2
1,010.5
1,004.4
1,001.1
989.1
U.S. government securities
708.2
709.8
709.0
707.1
718.8
Other securities
296.0
300.7
295.4
294.0
270.3

5
Loans and leases in bank credit
2,870.6
2,912.5
2,937.5
2,937.4
2,934.9
2,930.2
6
Commercial and industrial
714.7
724.8
728.5
730.1
740.5
737.4
7
Real estate
1,268.5
1,292.4
1,307.6
1,308.0
1,306.1
1,308.2
8
Revolving home equity
96.7
96.9
96.7
96.6
96.6
96.9
9
Other
1,171.8
1,195.5
1,210.9
1,211.4
1,209.5
1,211.3
10
Consumer
498.1
501.2
502.9
504.4
502.4
501.7
11
Security (3)
87.8
86.1
85.6
84.3
66.0
67.3
12
Other loans and leases
301.5
308.0
312.8
310.7
319.8
315.6

987.3

927.6
961.1
986.5
979.9

713.1

688.6
687.7
708.5
708.1

274.2

239.1
273.4
278.0
271.8

(2)
2,941.0

2,724.2
2,828.8
2,935.5
2,939.1
2,935.7

731.2

736.6

1,310.3

1,239.4
1,260.5
1,310.5
1,315.4
1,313.0

96.2

96.4

1,214.1

1,141.4
1,162.8
1,214.1
1,219.4
1,216.8

503.8

502.3

80.6

69.8

315.1

316.2

267.1
297.6
314.7
314.1

651.7
698.5
733.6
736.0

98.0
96.0

97.7
96.2

500.3
496.0
502.0
502.9
65.8
73.3

76.2
69.6

13 Interbank loans
193.2
190.4
189.2
207.5
185.0

192.8

193.7

193.9

191.9
189.7
195.6
189.7

14 Cash assets (4)
212.0
220.1
221.8
226.6
228.1

229.2

226.4

223.6

237.7
219.1
225.6
213.5

308.7

314.9

319.6

263.5
288.3
317.2
319.5

15 Other assets (5)
287.8
297.4
297.1

312.5

331.8

16 TOTAL ASSETS (6)
4,502.7
4,566.8
4,598.4
4,611.3
4,605.8

4,619.3

4,288.4
4,429.8
4,601.8
4,606.0
4,580.3

3,043.0

3,048.6

2,907.7
2,948.9
3,044.2
3,041.6
3,041.4

653.3

647.3

651.1

2,389.6

2,401.4

2,229.6
2,289.1
2,393.1
2,404.6
2,397.7

420.2

421.9

420.3

1,969.4

1,979.5

1,819.3
1,884.4
1,972.7
1,984.2
1,975.6

806.5

806.9

718.0
739.7
820.4
797.8

296.5

292.5

279.3
276.5
299.3
286.3

510.0

514.5

438.7
463.3
521.1
511.4

25 Net due to related foreign offices
115.3
115.2
112.4
111.7
117.3
126.8
131.9

121.3

81.7
108.4
118.5
115.5

26 Other liabilities
231.8
221.7
224.3
203.1
196.1

226.4

224.5

201.3

188.2
220.6
201.2
198.5

27 TOTAL LIABILITIES
4,087.4
4,149.3
4,187.7
4,175.1
4,173.2

4,189.6

4,196.9

3,895.6
4,017.6
4,173.7
4,181.8
4,153.1

4,615.0

L I A B I L I T I E S
17 Deposits
2,971.9
3,009.4
3,031.8
3,034.5
3,047.6
18
Transaction
658.0
657.9
660.7
661.8
664.2
19
Nontransaction
2,313.9
2,351.6
2,371.1
2,372.7
2,383.4
20
Large time
415.9
426.9
422.9
417.9
420.2
21
Other
1,898.1
1,924.6
1,948.2
1,954.8
1,963.2

22 Borrowings
768.4
802.9
819.2
808.5
810.7
797.6
23
From banks in the U.S.
284.5
291.8
295.9
295.3
299.0
286.8
24
From others
484.0
511.2
523.2
513.2
511.7
510.8

28 Residual (assets less liabilities) (7)
415.3
417.5
410.8
425.4
422.4
436.2
432.6

428.2

------------------------------------------------Footnotes appear on page 13.

678.1
659.8
637.1
643.6

410.3
404.6
420.4
422.1

392.9
412.2
424.2
427.2

H.8 (510)
Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED
STATES (1)
Not seasonally adjusted, billions of dollars
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

3,947.6

3,936.0

3,647.3
3,782.8
3,919.5
3,921.3
3,912.7

A S S E T S

1
Bank credit
3,868.2
3,926.9
3,913.7
3,921.0
2
991.5
991.7
3
690.9
721.3
4
300.6
270.4

3,960.8

Securities in bank credit
1,007.1
1,013.6
1,006.8
1,004.9
996.4
U.S. government securities
710.1
710.4
709.7
710.9
725.9
Other securities
297.0
303.2
297.1
294.0
270.6

5
Loans and leases in bank credit
2,876.7
2,919.8
2,947.2
2,940.8
2,921.9
2,924.6
6
Commercial and industrial
713.5
723.0
725.7
727.2
743.7
742.6
7
Real estate
1,271.7
1,296.1
1,309.4
1,306.8
1,298.1
1,302.7
8
Revolving home equity
97.5
97.7
97.1
96.6
95.6
95.9
9
Other
1,174.2
1,198.5
1,212.4
1,210.2
1,202.5
1,206.8
10
Consumer
498.6
501.6
508.3
510.7
497.5
496.0
11
Security (3)
89.6
89.1
87.3
84.4
68.5
68.2
12
Other loans and leases

992.8

932.8
952.3
992.8
984.4

718.6

693.9
679.8
714.8
712.8

274.2

238.9
272.6
277.9
271.6

(2)
2,931.1

2,714.5
2,830.5
2,926.7
2,928.5
2,928.3

730.8

739.9

1,304.3

1,233.3
1,263.9
1,304.0
1,310.0
1,306.1

95.8

95.6

1,208.5

1,136.2
1,165.5
1,208.4
1,214.6
1,210.7

503.7

497.5

80.6

72.5

654.1
695.8
734.6
739.5

97.2
95.4

98.4
95.4

495.4
499.0
497.2
498.4
68.1
76.4
263.6

72.1
73.9
299.7

303.3
314.2

310.0
315.2

316.5

311.8

311.8

312.9

310.3

310.4

13 Interbank loans
191.0
199.8
197.5
203.1
191.4

195.8

193.5

197.0

194.9
185.8
201.1
193.3

14 Cash assets (4)
212.0
226.3
235.8
209.5
227.3

242.1

228.2

217.1

230.4
216.9
218.0
211.0

15 Other assets (5)
285.9
295.7
296.4
305.5
333.5

301.2

310.6

314.5

259.2
290.0
309.2
311.0

16 TOTAL ASSETS (6)
4,499.5
4,590.9
4,632.8
4,573.8
4,615.2

4,629.4

4,610.5

4,275.3
4,418.1
4,590.2
4,591.6
4,570.1

3,044.9

3,026.9

2,899.6
2,946.8
3,035.5
3,035.7
3,032.0

668.1

642.6

644.4

2,376.8

2,384.3

2,228.8
2,294.0
2,391.1
2,404.7
2,392.6

421.9

424.3

420.1

1,954.9

1,960.0

1,818.6
1,889.9
1,971.0
1,982.3
1,970.4

809.6

801.4

713.4
735.5
806.2
798.0

297.0

292.4

279.3
273.3
296.2
286.9

512.5

509.0

434.1
462.3
510.0
511.0

25 Net due to related foreign offices
115.5
113.7
111.4
112.0
123.4
129.3
129.3

121.1

82.1
106.8
119.4
113.8

26 Other liabilities
231.0
221.1
223.7
203.5
196.5

227.0

225.3

201.9

188.7
220.0
202.1
199.1

27 TOTAL LIABILITIES
4,088.2
4,178.9
4,218.8
4,147.2
4,172.8

4,208.7

4,185.2

3,883.8
4,009.1
4,159.8
4,163.5
4,142.9

L I A B I L I T I E S
17 Deposits
2,971.0
3,035.7
3,061.9
3,004.4
3,058.5
18
Transaction
647.9
668.2
694.4
634.6
671.8
19
Nontransaction
2,323.1
2,367.4
2,367.5
2,369.9
2,386.7
20
Large time
417.6
432.4
425.5
416.6
417.3
21
Other
1,905.4
1,935.0
1,942.0
1,953.3
1,969.3

22 Borrowings
770.6
808.5
821.8
824.8
810.0
788.6
23
From banks in the U.S.
282.6
295.4
301.9
300.3
300.3
287.7
24
From others
488.1
513.0
519.9
524.5
509.7
500.9

670.8
652.8
631.0
639.4

410.1
404.1
422.4
422.2

28 Residual (assets less liabilities) (7)
411.4
412.0
414.0
420.7
425.3
426.5
442.4
MEMO
29 Reval. gains on off-bal. sheet items (8)
78.7
62.7
65.2
66.0
64.5
43.0
43.1
30 Reval. losses on off-bal. sheet items (8)
80.5
65.1
66.8
65.8
65.3
44.3
41.9
31 Mortgage-backed securities (9)
335.8
346.0
345.4
341.5
339.4
332.4
334.7

430.3

391.4
409.0
428.1
427.2

46.2

47.2
49.0

61.7
44.1

46.0

49.6
48.4

65.1
43.5

333.4

299.8
313.2
332.9
332.1

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 5
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

2,421.2

2,414.9

2,259.1
2,338.1
2,387.4
2,391.7
2,380.0

557.1

540.3

530.1
546.2
540.1
533.5

372.4

375.9

377.8
369.8
372.0
371.3

17.5

22.1

A S S E T S

1
Bank credit
2,395.9
2,417.0
2,386.3
2,382.5
2
574.2
540.5
3
373.2
380.1
3a
21.0

2,428.5

Securities in bank credit
572.6
571.7
563.2
541.1
U.S. government securities
379.1
376.7
375.1
380.3
Trading account
22.3
23.0
25.1

25.1
19.5

22.2
18.9

26.0
3b
352.2
354.1
4
201.0
160.4
4a
108.8
62.7
4b
92.3
97.6
4c
23.9
24.9
4d
68.3
72.7

25.0
Investment account
356.9
353.7
350.1
354.9
355.4
Other securities
193.4
194.9
188.0
184.7
160.7
Trading account
96.8
97.4
90.9
87.5
61.4
Investment account
96.7
97.6
97.1
97.2
99.4
State and local government
24.5
24.8
24.6
24.7
24.9
Other
72.2
72.7
72.5
72.6
74.5

5
Loans and leases in bank credit (2)
1,821.7
1,844.5
1,856.8
1,858.1
1,857.8
1,845.8
1,841.4
6
Commercial and industrial
521.4
528.5
529.3
530.7
531.3
539.7
536.1
6a
Bankers acceptances
1.3
1.3
1.3
1.3
1.2
1.1
1.2
6b
Other
520.1
527.2
528.0
529.4
530.1
538.6
535.0
7
Real estate
689.2
700.4
705.9
704.3
703.5
695.8
696.4
8
Revolving home equity
68.0
67.8
67.6
67.6
67.5
67.7
68.0
9
Other
621.2
632.6
638.3
636.8
636.1
628.0
628.5
10
Consumer
300.7
302.0
302.4
305.3
304.3
300.9
301.3
11
Security (3)
81.3
79.3
79.2
78.1
74.5
60.1
61.4
11a
Fed funds and RPs with broker/dealer
63.3
61.8
62.5
61.4
57.6
43.3
44.4
11b
Other
17.9
17.5
16.7
16.7
16.9
16.8
17.0
12a
State and local government
11.6
11.9
11.6
11.6
11.5
11.5
11.6
12b
Agricultural
10.0
10.1
10.2
10.2
10.2

353.8

352.7
347.6
352.4
352.4

164.4

152.3
176.4
168.1
162.1

66.4

73.1

70.2

86.4

64.3

98.0

79.1
97.9

90.0
97.8

24.9

22.6
24.8

23.4
24.9

73.2

56.5
73.1

66.6
72.9

1,729.0
1,791.9
1,847.1
1,851.6
1,846.5
535.7
1.1

472.6
507.9
532.7
535.1
1.2
1.1

1.3
1.1

534.6

471.3
506.6
531.6
533.9

700.4

698.1
689.3
705.9
703.1

67.6

69.7
67.4

68.9
67.5

632.8

628.4
620.4
638.5
635.6

301.8

300.2
298.8
302.7
301.9

63.7

59.8
67.0

69.9
63.5

46.6

42.0
50.0

51.5
46.1

17.1

17.8
17.0

18.5
17.4

11.5

11.6
11.5

11.6
11.5

10.2

10.0
10.1

10.0
10.1

10.1
12c
12.9
12.9
12d
92.9
98.3
12e
101.7
116.4

10.2
Fed funds and RPs with others
12.4
16.2
12.6
12.0
13.1
All other loans
96.1
95.6
96.4
97.0
94.3
Lease financing receivables
103.8
106.4
108.8
113.4
117.0

13 Interbank loans
120.3
120.6
123.1
125.2
142.7
123.1
13a
Fed funds and RPs with banks
74.3
74.6
73.9
78.5
93.6
72.7
13b
Other
46.0
46.0
49.2
46.7
49.0
50.4

12.0

7.4
10.3

12.4
11.7

96.0

81.3
96.5

92.0
94.1

115.8

88.0
99.9
114.8
115.6

126.7

129.8

131.6
118.7
131.6
125.5

78.6

81.7

82.1
84.2

65.4
79.9

48.0

48.1

49.5
47.5

53.3
45.5

14 Cash assets (4)
144.1
149.8
151.2
154.1
160.1

158.6

155.7

153.7

174.5
151.0
155.6
145.0

15 Other assets (5)
220.2
225.2
222.8
236.0
239.5

231.9

238.4

239.8

205.9
223.4
241.0
242.6

16 TOTAL ASSETS (6)
2,842.5
2,874.7
2,887.7
2,880.7
2,866.7

2,898.8

2,897.5

2,733.3
2,793.5
2,872.3
2,881.7
2,854.8

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1999

1999

Jan

Feb

Mar

--------

--------

--------

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24
-------- ---------------------------

L I A B I L I T I E S
17 Deposits
1,651.0
1,667.0
1,671.6
1,656.4
1,674.5
18
Transaction
371.9
369.4
369.4
364.1
375.7
19
Nontransaction
1,279.1
1,297.7
1,302.1
1,292.3
1,298.8
20
Large time
223.1
229.9
228.2
221.0
223.3
21
Other
1,056.0
1,067.8
1,074.0
1,071.3
1,075.5

1,672.6

1,668.1

1,652.6
1,640.5
1,666.5
1,664.3
1,663.4

364.1

357.9

362.0

1,308.5

1,310.2

1,257.9
1,266.8
1,304.5
1,310.6
1,307.0

227.5

226.8

224.2

1,080.9

1,083.4

1,028.4
1,053.0
1,080.3
1,085.4
1,080.8

623.5

619.9

567.0
574.0
632.5
609.0

213.5

208.4

209.1
199.2
214.7
201.4

410.0

411.5

357.9
374.8
417.8
407.6

25 Net due to related foreign offices
110.6
111.6
108.8
108.7
114.1
121.6
126.8

116.9

77.6
104.6
114.6
111.7

26 Other liabilities
201.5
190.7
193.0
172.5
162.2

195.4

193.9

170.1

160.7
191.1
170.6
168.1

27 TOTAL LIABILITIES
2,559.3
2,591.8
2,607.0
2,572.0
2,578.2

2,606.0

2,599.6

2,457.9
2,510.2
2,573.4
2,582.1
2,552.2

22 Borrowings
596.2
622.4
633.6
629.3
621.4
614.8
23
From banks in the U.S.
203.5
207.1
209.0
213.3
213.4
205.6
24
From others
392.7
415.3
424.6
416.0
408.0
409.2

28 Residual (assets less liabilities) (7)
283.2
282.9
280.7
292.8
297.9
308.8
288.5

298.9

394.7
373.7
353.7
356.4

229.5
213.8
225.2
226.2

275.4
283.3
299.6
302.6

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 7
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
April 9, 1999

Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

2,433.4

2,419.4

2,260.4
2,327.6
2,389.9
2,396.2
2,383.8

A S S E T S

1
Bank credit
2,397.7
2,430.1
2,381.2
2,385.7
2
571.8
541.5
3
371.2
381.4
3a
21.9
25.8
3b
349.3
355.5
3c
255.3
240.1
3d
94.0
115.4
3e
26.1
24.2
3f
37.2
51.3
3g
30.6
39.9
4
200.6
160.2
4a
108.8
62.7
4b
91.9
97.4
4c
24.0

2,443.1

Securities in bank credit
577.9
575.2
566.3
563.1
544.9
U.S. government securities
383.4
377.4
376.4
377.8
384.4
Trading account
24.6
23.7
25.2
18.2
24.6
Investment account
358.9
353.7
351.2
359.6
359.8
Mortgage-backed
258.2
253.5
250.1
247.9
242.3
Other
100.7
100.2
101.1
111.7
117.5
1 year or less
27.2
26.6
27.5
25.6
23.8
Between 1 and 5 years
38.2
38.4
37.6
46.8
53.9
More than 5 years
35.2
35.2
36.0
39.3
39.8
Other securities
194.4
197.7
189.9
185.3
160.5
Trading account
96.8
97.4
90.9
87.5
61.4
Investment account
97.7
100.4
99.0
97.8
99.1
State and local government
24.6
25.0
24.8
24.8

544.3

533.9
539.2
546.5
536.8

379.9

381.7
363.4
378.1
374.7

23.1

26.6
21.9

22.0
20.4

356.8

355.2
341.4
356.2
354.3

241.3

232.9
236.4
241.5
239.5

115.5

122.3
105.0
114.7
114.8

23.8

31.8
23.5

27.7
23.7

52.1

54.7
51.6

44.3
51.9

39.6

35.8
39.5

33.0
39.2

164.4

152.2
175.8
168.3
162.1
73.1

66.4

86.4
70.2

64.3

98.0

79.0
98.2

89.4
97.8

24.9

22.7
24.9

23.2
24.9

24.9
4d
67.9
72.5

24.9
73.1
74.2

Other
75.4

74.2

73.0

5
Loans and leases in bank credit (2)
1,825.9
1,852.3
1,867.9
1,867.2
1,856.3
1,839.7
1,840.8
6
Commercial and industrial
521.5
528.1
527.5
528.4
531.2
541.9
540.4
6a
Bankers acceptances
1.3
1.3
1.3
1.3
1.2
1.1
1.2
6b
Other
520.2
526.8
526.1
527.1
530.1
540.8
539.2
7
Real estate
691.0
703.7
709.5
707.1
702.2
691.3
693.0
8
Revolving home equity
68.6
68.3
67.8
67.6
67.2
67.0
67.2
9a
Other residential
382.9
394.1
398.6
394.1
386.7
374.1
375.6
9b
Commercial
239.5
241.3
243.0
245.4
248.4
250.3
250.2
10
Consumer
300.6
301.6
305.7
310.7
304.7
298.2
297.8
11
Security (3)
83.1
82.3
80.9
78.2
74.5
62.5
62.3
11a
Fed funds and RPs with broker/dealer
65.2
65.0
63.7
62.0
58.1
45.3
44.8
11b
Other
17.9
17.3
17.1
16.2
16.4
17.2
17.5
12a
State and local government
11.7
12.0
11.7
11.6
11.5
11.5
11.5
12b
Agricultural
10.1
10.1
10.1
10.1
9.9
9.8
9.9
12c
Fed funds and RPs with others
12.9
12.4
16.2
12.6
12.0
12.9
13.1
12d
All other loans
93.8
99.2
100.3
98.0
95.5
94.4
95.1
12e
Lease financing receivables
101.0
102.8
106.0
110.5
114.7
117.2
117.8
13

Interbank loans

73.1

56.3
73.3

66.2
72.9

1,726.5
1,788.3
1,845.6
1,849.8
1,847.0
538.3
1.1

474.4
506.3
533.6
537.9
1.2
1.1

1.3
1.1

537.2

473.2
505.0
532.5
536.8

697.4

695.4
689.6
704.5
700.4

66.9

69.0
66.8

69.3
66.8

380.9

386.4
381.0
389.4
383.8

249.6

240.0
239.2
248.4
249.8

299.1

297.5
300.8
300.2
299.3

66.4

62.0
70.1

65.9
67.8

49.1

44.1
53.4

47.6
50.3

17.3

17.9
16.7

18.3
17.5

11.5

11.6
11.5

11.7
11.5

9.6

10.3

9.8

9.8

9.8

12.0

7.4
10.3

12.4
11.7

94.3

79.8
93.9

92.5
92.2

116.7

88.7
98.9
115.9
116.4
131.5

116.8

116.7
138.6
13a
71.3
89.3
13b
45.4
49.3

122.0
126.3
128.1
126.9
Fed funds and RPs with banks
77.3
77.7
82.1
76.0
Other
44.7
48.5
46.0
50.9

126.5

129.9

130.9

126.3

79.2

81.4

81.9
83.4

63.9
79.6

47.3

48.5

49.6
47.5

52.9
46.6

14 Cash assets (4)
144.8
153.9
161.8
142.3
159.8

168.4

156.5

148.7

168.7
150.0
148.9
142.9

15 Other assets (5)
218.1
222.1
222.3
230.7
239.4

227.3

235.3

235.9

202.7
224.7
234.7
237.9

16 TOTAL ASSETS (6)
2,839.3
2,890.1
2,915.5
2,854.6
2,873.5

2,919.5

2,899.6

2,725.6
2,781.1
2,866.1
2,872.3
2,852.6

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 8
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars (continued)
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

1,681.8

1,663.8

1,650.2
1,636.0
1,664.9
1,664.7
1,663.5

374.4

354.9

356.7

1,307.4

1,308.9

1,261.2
1,266.3
1,308.2
1,318.3
1,310.7

L I A B I L I T I E S
17 Deposits
1,647.4
1,681.0
1,695.7
1,638.2
1,683.9
18
Transaction
364.9
376.1
392.4
346.0
381.4
19
Nontransaction
1,282.6
1,304.9
1,303.3
1,292.2
1,302.5
20
Large time

389.0
369.7
346.4
352.8

229.3

213.3

224.8
219.7
21
1,057.7
1,072.6

235.4
220.4
Other
1,069.6
1,082.1

230.7

229.2

229.3

224.0

1,072.6

1,078.3

1,079.6

1,031.9
1,053.0
1,084.2
1,091.0
1,084.4

629.2

619.8

566.9
567.7
626.5
615.0

215.2

210.7

211.0
195.6
215.2
204.5

414.0

409.1

355.8
372.1
411.3
410.6

25 Net due to related foreign offices
110.9
110.1
107.8
109.0
120.2
124.1
124.1

116.7

78.0
103.0
115.6
110.0

26 Other liabilities
201.5
190.7
193.0
172.5
162.2

195.4

193.9

170.1

160.7
191.1
170.6
168.1

27 TOTAL LIABILITIES
2,555.8
2,607.7
2,630.8
2,559.7
2,579.8

2,631.4

2,607.0

2,455.8
2,497.8
2,571.4
2,577.4
2,556.6

22 Borrowings
596.0
625.8
634.3
645.2
624.8
609.7
23
From banks in the U.S.
199.9
209.0
213.0
217.7
216.4
208.1
24
From others
396.2
416.8
421.2
427.5
408.4
401.5

28 Residual (assets less liabilities) (7)
283.5
282.4
284.7
288.1
292.5
294.9
293.8
29
78.7
43.0
30
80.5
44.3
31
280.7
268.6
31a
189.5
179.7
31b
91.2
88.9
32
4.4
1.5
33
38.5
39.5

MEMO
Reval. gains on off-bal. sheet items (8)
62.7
65.2
66.0
64.5
43.1
Reval. losses on off-bal. sheet items (8)
65.1
66.8
65.8
65.3
41.9
Mortgage-backed securities (9)
287.0
284.0
279.6
276.7
270.5
Pass-through
196.6
194.7
191.9
187.3
180.3
CMO, REMIC, and other
90.4
89.3
87.7
89.4
90.2
Net unrealized gains (losses) on
3.1
3.0
3.0
2.4
1.6
available-for-sale securities (10)
Offshore credit to U.S. residents (11)
39.1
38.5
38.9
38.9
39.5

294.6

227.3

226.3

269.8
283.3
294.9
295.9

46.2

47.2
49.0

61.7
44.1

46.0

49.6
48.4

65.1
43.5

269.7

253.9
260.5
269.4
268.9

180.2

171.0
167.3
179.6
179.5

89.6
1.5

39.5

82.9
89.7

93.2
89.3

2.9
1.5

3.7
1.6

35.2
39.1

36.8
40.0

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 9
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

1,520.6

1,527.2

1,392.8
1,451.8
1,535.4
1,533.8
1,535.6

444.0

447.0

397.5
414.9
446.4
446.4

334.7

337.2

310.7
317.9
336.5
336.8

109.3

109.8

86.8
97.0
109.9
109.7

(2)
1,083.2

1,088.4

995.3
1,036.9
1,087.5
1,089.1

199.9

200.9

179.1
190.6
200.9
200.9

606.8

610.1

541.3
571.2
609.5
609.9

28.7

28.8

578.0

581.3

A S S E T S

1
Bank credit
1,471.4
1,499.6
1,536.4
1,536.7
2
422.5
447.3
3
322.5
337.2
4
100.1
110.1

1,519.4

Securities in bank credit
431.6
438.8
441.3
448.0
U.S. government securities
329.0
333.0
333.9
338.4
Other securities
102.6
105.8
107.4
109.6

5
Loans and leases in bank credit
1,048.9
1,068.0
1,080.6
1,079.4
1,089.1
1,088.8
6
Commercial and industrial
193.3
196.3
199.1
199.5
200.8
201.3
7
Real estate
579.3
592.0
601.6
603.6
610.3
611.7
8
Revolving home equity
28.7
29.1
29.1
29.0
28.8
28.9
9
Other
550.6
562.9
572.6
574.6
581.5
582.8
10
Consumer

28.3
28.6

28.8
28.7

513.0
542.4
580.9
581.2
200.1

197.2

197.4
201.5
11
6.5
6.0
12
72.4
70.5

199.2
200.6
199.1
200.4
Security (3)
6.8
6.4
6.2
5.9
Other loans and leases
73.8
72.8
71.0
69.4

199.5

200.5

6.1

6.1

70.9

199.3

201.1

6.0
6.3

6.2
6.1

70.7

68.7
71.4

71.7
71.1

13
72.8
64.9

Interbank loans
69.8
66.2
61.9

67.7

67.1

64.1

60.4
63.9

71.0
64.2

14
67.9
72.5

Cash assets (4)
70.3
70.7
68.0

70.6

70.7

69.9

63.2
70.0

68.1
68.5

15
67.6
76.5

Other assets (5)
72.2
74.3
92.3

76.9

76.5

79.8

57.6
76.1

64.9
76.9

1,716.2

1,721.9

1,555.1
1,636.3
1,729.5
1,724.3
1,725.5

1,370.4

1,380.6

1,255.0
1,308.4
1,377.7
1,377.3
1,377.9

289.2

289.4

289.1

283.3
286.1
283.4
287.2

1,081.2

1,091.2

1,088.6

971.7
1,022.3
1,094.0
1,090.7

192.7

195.1

196.1

180.8
190.8
195.1
195.9

888.5

896.1

892.4

790.9
831.5
898.8
894.8

182.9

187.0

151.0
165.7
187.9
188.8

83.0

84.0

70.2
84.6

77.2
84.9

100.0

103.0

80.8
103.3

88.5
103.8

4.3

4.1
3.9

3.7
3.8

16 TOTAL ASSETS (6)
1,660.2
1,692.1
1,710.8
1,730.6
1,739.2

L I A B I L I T I E S
17 Deposits
1,320.9
1,342.4
1,360.2
1,378.2
1,373.1
18
Transaction
286.1
288.5
291.2
297.7
288.5
19
Nontransaction
1,034.9
1,053.9
1,069.0
1,080.4
1,084.6
20
Large time
192.8
197.0
194.8
196.9
196.9
21
Other
842.1
856.9
874.2
883.5
887.7

22 Borrowings
172.2
180.5
185.6
179.1
189.3
182.9
23
From banks in the U.S.
81.0
84.7
86.9
81.9
85.6
81.3
24
From others
91.2
95.8
98.7
97.2
103.7
101.6
25
4.7
5.1
26

Net due to related foreign offices
3.6
3.6
3.0
3.2
5.1
Other liabilities

27.5

29.5

30.3
30.6

30.9
33.9

31.3

27 TOTAL LIABILITIES
1,528.1
1,557.5
1,580.7
1,603.1
1,595.0

31.0

30.6

31.2

1,583.6

1,597.3

1,437.6
1,507.4
1,600.2
1,599.7
1,600.9

28 Residual (assets less liabilities) (7)
132.1
134.6
130.1
132.6
124.6
127.5
144.2

129.3

30.6

30.3

117.4
128.9
124.6
124.6

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

1,514.2

1,516.5

1,386.9
1,455.3
1,529.7
1,525.0
1,528.9

441.8

448.5

398.9
413.1
446.3
447.6

333.1

338.7

312.1
316.4
336.7
338.1

A S S E T S

1
Bank credit
1,470.5
1,496.8
1,532.4
1,535.3
2
419.7
450.2
3
319.7
339.9
4
99.9
110.3

1,517.7

Securities in bank credit
429.3
438.4
440.5
451.5
U.S. government securities
326.7
333.0
333.3
341.5
Other securities
102.6
105.5
107.2
110.1

108.7

5
Loans and leases in bank credit (2)
1,050.8
1,067.6
1,079.3
1,073.6
1,074.8
1,082.3
1,083.8

109.8

1,081.2

86.8
109.6

96.7
109.5

988.0
1,042.2
1,078.7
1,081.3

6
191.9
201.8
7
580.7
606.8
8
28.9
28.6
9
551.8
578.2
10
198.0
199.3
11
6.5
6.0
12
73.7
68.3

Commercial and industrial
194.9
198.3
198.8
202.2
Real estate
592.4
600.0
599.8
609.7
Revolving home equity
29.3
29.3
29.0
28.7
Other
563.1
570.7
570.8
581.0
Consumer
200.0
202.6
200.0
198.2
Security (3)
6.8
6.4
6.2
5.9
Other loans and leases
73.5
72.0
68.9
67.9

199.6

201.6

179.7
189.5
201.0
201.6

602.0

606.5

537.9
574.3
605.4
605.8

28.7

28.6

573.4

577.9

509.8
545.3
576.8
577.2

198.9

198.4

197.8
198.2
197.0
199.0

6.1

6.1

68.1

28.2
28.6

29.1
28.6

6.0
6.3

6.2
6.1

68.6

66.5
69.0

74.0
68.8

13
74.3
64.4

Interbank loans
77.8
71.2
64.6

67.7

67.0

67.1

63.4
70.3

69.0
67.1

14
67.2
67.2

Cash assets (4)
72.4
74.0
67.4

73.8

71.7

68.4

61.7
69.1

66.9
68.2

15
67.8
74.8

Other assets (5)
73.5
74.2
94.2

73.9

75.3

78.6

56.6
74.5

65.3
73.1

1,709.9

1,710.9

1,549.7
1,637.0
1,724.1
1,719.3
1,717.5

1,363.1

1,363.2

1,249.4
1,310.8
1,370.7
1,371.0
1,368.5

293.7

287.7

287.8

281.8
283.2
284.6
286.6

1,069.4

1,075.5

1,082.9

967.5
1,027.6
1,086.4
1,082.0

192.7

195.1

196.1

180.8
190.8
195.1
195.9

876.7

880.4

886.8

786.7
836.8
891.3
886.1

179.6

180.4

181.6

146.6
167.8
179.7
183.0

16 TOTAL ASSETS (6)
1,660.2
1,700.8
1,717.4
1,719.2
1,741.7

L I A B I L I T I E S
17 Deposits
1,323.6
1,354.6
1,366.2
1,366.2
1,374.6
18
Transaction
283.1
292.2
302.0
288.6
290.4
19
Nontransaction
1,040.5
1,062.5
1,064.2
1,077.7
1,084.2
20
Large time
192.8
197.0
194.8
196.9
196.9
21
Other
847.7
865.4
869.4
880.7
887.3
22 Borrowings
174.6
182.6

187.5

185.2
23
82.7
83.9
24
91.9
101.3

178.9
From banks in the U.S.
86.4
88.9
82.6
79.6
From others
96.2
98.6
96.9
99.3

81.8

81.7

68.3
81.0

77.6
82.5

98.6

99.8

78.3
98.7

90.2
100.5

4.1
3.9

3.7
3.8

28.0
31.5

28.9
30.9

25
4.7
5.1

Net due to related foreign offices
3.6
3.6
3.0
3.2
5.1

4.3

26
29.6
31.0

Other liabilities
30.3
30.7
34.3

27 TOTAL LIABILITIES
1,532.4
1,571.2
1,588.0
1,587.5
1,593.0

31.7

31.4

31.8

1,577.4

1,578.1

1,428.1
1,511.3
1,588.4
1,586.1
1,586.3

28 Residual (assets less liabilities) (7)
127.8
129.6
129.3
132.5
132.8
131.6
148.7
31
55.2
63.8

MEMO
Mortgage-backed securities (9)
59.0
61.4
61.9
64.2

62.7

135.7

63.7

121.6
125.7
133.2
131.3

45.9
63.6

52.7
63.3

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1999

1999

Jan

Feb

Mar

--------

--------

--------

A S S E T S

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24
-------- ---------------------------

1
Bank credit
619.7
610.6
551.4
555.8

597.7

583.1

2
218.6
198.1
3
80.8
84.2
4
137.8
113.9

Securities in bank credit
215.2
212.8
211.0
197.6
U.S. government securities
81.4
81.6
83.4
87.0
Other securities
133.8
131.2
127.6
110.6

5
401.1
353.3
6
223.5
212.7
7
23.5
21.8
11
69.8
46.6
12
84.3
72.1

Loans and leases in bank credit
395.4
384.9
372.1
358.2
Commercial and industrial
224.1
218.2
213.7
207.5
Real estate
22.6
21.7
21.8
21.9
Security (3)
64.9
65.7
62.6
55.1
Other loans and leases
83.8
79.4
74.0
73.6

569.0

554.4

564.0
598.1
557.9
552.2

204.1

198.4

197.5
211.9
200.8
196.3

82.5

83.8

121.6

114.5

109.0
128.6
117.6
114.5

(2)
364.9

356.0

366.4
386.2
357.1
355.9

212.4

210.8

219.4
216.8
209.0
213.5

21.6

21.7

25.9
21.5

23.6
21.6

58.6

49.9

50.1
51.2

66.7
46.4

72.3

73.7

71.1
75.4

79.1
74.3

88.6
83.2

83.3
81.8

13
25.7
25.4

Interbank loans
27.2
28.0
27.9

29.5

31.9

26.4

23.1
24.4

27.3
26.5

14
35.7
38.1

Cash assets (4)
34.9
35.8
34.9

36.4

36.2

37.2

34.4
39.3

34.3
37.2

15
38.5
37.1

Other assets (5)
36.9
38.4
37.3

38.5

37.7

37.8

36.0
37.8

37.3
38.7

687.2

674.6

655.4

657.1
696.7
659.1
654.3

318.1

321.0

311.2

289.7
315.3
317.9
314.0

13.0

14.3

13.1

305.1

306.7

298.2

16 TOTAL ASSETS (6)
719.3
709.4
699.7
651.7
655.6

L I A B I L I T I E S
17 Deposits
317.8
315.4
308.6
305.0
304.0
18
Transaction
15.4
12.8
11.5
12.4
12.7
19
Nontransaction
302.4
302.6
297.1
292.6
291.3

11.8
13.3

15.3
13.7

278.0
300.0
304.6
300.3

22 Borrowings
215.3
214.6
203.7
193.6
169.5
176.9
23
From banks in the U.S.
30.6
32.1
27.3
22.6
24.5
26.0
24
From others
184.7
182.5
176.4
170.9
145.0
150.9

180.6

174.2

19.0

24.4

161.6

149.8

25 Net due to related foreign offices
105.6
99.2
101.5
101.7
100.1
98.9
102.0

99.3

26
79.1
67.1

Other liabilities
76.2
76.7
68.0

28
1.5
11.2

70.4

68.2

687.7

672.0

652.9

Residual (assets less liabilities) (7)
4.0
9.3
-0.5
2.6
4.6

27.1
23.9

2.5

28.4
24.7

144.8
176.8
153.1
148.0
123.7

74.3

27 TOTAL LIABILITIES
717.8
705.4
690.5
640.5
651.0

171.9
205.3
177.0
172.8

98.1
99.3

70.3
68.7

99.7
75.9
68.4

655.6
694.6
662.9
654.9
1.4
-3.8

2.1
-0.6

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
April 9, 1999
Account
1999

1998

1998

Nov
Mar 31

Dec

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

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

1998

1998
1998
Week ending
Mar
Sep
Oct
Mar 10
Mar 17
Mar 24

1999

1999

Jan

Feb

Mar

--------

--------

--------

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

586.6

572.8

556.0

A S S E T S

1
Bank credit
623.9
613.8
550.8
557.0

600.6

566.4
597.3
559.5
554.8

2
221.7
197.2
3
80.7
84.9
3a
16.6
19.9
3b
64.2
65.0
4
141.0
112.3
4a
91.6
69.9
4b
49.3
42.4

Securities in bank credit
218.4
211.4
211.2
197.6
U.S. government securities
81.8
81.8
83.0
87.5
Trading account
14.1
15.2
17.5
21.5
Investment account
67.7
66.6
65.5
66.0
Other securities
136.6
129.6
128.2
110.2
Trading account
84.8
78.9
79.1
70.1
Investment account
51.8
50.8
49.1
40.0

5
402.2
353.6
6
224.4
212.9
7
23.7
21.8
11
69.6
47.4
12
84.5
71.5

Loans and leases in bank credit
395.4
389.1
375.4
359.4
Commercial and industrial
225.3
221.0
215.6
208.3
Real estate
22.9
21.8
22.0
21.7
Security (3)
64.3
66.2
62.5
56.0
Other loans and leases
83.0
80.3
75.3
73.4

198.9
211.3
203.1
198.8

205.8

199.5

82.9

84.7

89.5
84.0

82.5
83.3

18.5

19.9

17.5
19.7

20.7
19.1

64.4

64.8

72.1
64.3

61.8
64.2

122.9

114.8

75.4

71.7

66.0
74.3

84.2
72.0

47.5

43.1

43.3
44.8

44.6
43.5

(2)
367.0

356.5

367.5
386.0
356.3
356.0

214.3

211.1

219.8
216.3
208.6
213.9

22.0

21.8

25.9
21.8

23.6
21.8

58.2

50.5

51.2
51.4

66.8
47.0

72.5

73.1

70.6
74.6

79.2
73.3

109.3
128.8
119.1
115.5

13
25.7
25.4

Interbank loans
27.2
28.0
27.9

29.5

31.9

26.4

23.1
24.4

27.3
26.5

14
36.1
36.9

Cash assets (4)
35.5
37.3
34.4

36.9

35.5

36.1

33.4
37.8

34.1
35.9

15
38.3
36.9

Other assets (5)
37.1
39.9
36.6

38.8

38.8

38.4

36.4
39.8

37.8
39.5

691.5

678.8

656.5

16 TOTAL ASSETS (6)
723.7
713.4
705.5
649.7
655.6

659.0
696.2
661.2
656.4

L I A B I L I T I E S
17

Deposits

292.4

315.1

318.2
310.5
18
15.4
12.6
19
302.8
297.9

315.0
312.2
308.1
Transaction
12.7
11.9
13.3
Nontransaction
302.3
300.3
294.8

315.6

319.7

314.5

13.1

14.0

13.2

302.5

305.7

301.3

280.5
299.1
306.0
303.5

180.6

174.2

171.9
205.3
177.0
172.8

19.0

24.4

161.6

149.8

25 Net due to related foreign offices
107.8
102.6
107.7
104.4
103.7
101.2
101.2

97.5

22 Borrowings
215.3
214.6
203.7
193.6
169.5
176.9
23
From banks in the U.S.
30.6
32.1
27.3
22.6
24.5
26.0
24
From others
184.7
182.5
176.4
170.9
145.0
150.9

26
78.4
66.8

Other liabilities
77.1
78.1
67.3

71.9

68.2

688.0

676.0

654.4

27 TOTAL LIABILITIES
719.7
709.4
701.7
647.9
653.6

74.5

28
4.0
1.8

Residual (assets less liabilities) (7)
4.0
3.8
3.4
2.8
2.1

29
52.0
39.1
30
47.5
38.2

MEMO
Reval. gains on off-bal. sheet items (8)
48.6
48.1
45.9
43.6
39.3
Reval. losses on off-bal. sheet items (8)
44.9
44.5
42.2
41.3
38.4

319.1
11.9
13.2

27.1
23.9

317.2
16.0
13.7

28.4
24.7

144.8
176.8
153.1
148.0
121.7

93.2

70.4
69.3

96.3

96.2

75.5
68.5

656.4
692.2
658.6
654.6
2.6
2.6

4.0
1.8

40.3

40.9
42.4

47.7
39.4

39.1

40.2
41.2

44.2
38.0

2.1

------------------------------------------------Footnotes appear on page 13.

H.8 (510)
Page 13

Footnotes

April 9, 1999
Current and historical H.8 data are available on the Federal Reserve Board's web

site (http://www.federalreserve.gov). For information about individual copies or
subscriptions,
contact Publications Services at the Federal Reserve Board (phone 202-452-3244,
fax 202-728-5886). For paid electronic access to current and historical data,
call STAT-USA at
1-800-782-8872 or 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 10 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 nonfinancial businesses.

NOTE: Domestically chartered commercial banks acquired $0.7 billion in assets
and liabilities of nonbank institutions in the week ending March 31, 1999. The
major item affected
was (in billions): real estate loans, other, $0.4. The major liability item
affected was : nontransaction deposits, other, $0.7. Also, in addition to the
amount noted last week large
domestically chartered banks acquired $5.4 billion in assets and liabliities of
nonbank institutions in the week ending March 24, 1999. The major asset items
affected were (in billions):
cash assets, $0.1; real estate loans, commercial, $0.4; commercial and
industrial loans, other, $3.6; consumer loans, $0.5; lease financing receivables,
$0.6; and other assets, $0.3.
The major liability items affected were: other liabilities, $0.3; and the
residual (assets less liabilities), $5.1.