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H.

8 (510)
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)

Seasonally adjusted, billions of dollars


July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 3,672.0 3,770.4


3,804.7 3,841.1 3,860.6 3,893.8 3,901.2 3,923.0 3,919.4 3,928.6
3,941.5 3,936.3

2 Securities in bank credit 983.2 989.9


1,005.2 1,020.8 1,014.6 1,032.1 1,013.6 1,010.4 1,005.4 1,007.6
1,020.3 1,023.3
3 U.S. government securities 707.4 706.7
707.0 704.1 708.5 721.4 721.0 724.1 718.9 721.3
734.2 732.0
4 Other securities 275.8 283.2
298.2 316.7 306.1 310.7 292.6 286.3 286.5 286.3
286.1 291.3

5 Loans and leases in bank credit (2) 2,688.8 2,780.5


2,799.5 2,820.4 2,846.0 2,861.7 2,887.6 2,912.6 2,913.9 2,921.0
2,921.2 2,913.0
6 Commercial and industrial 740.2 783.3
785.5 793.8 798.2 805.4 811.2 817.3 817.1 818.5
822.2 818.7
7 Real estate 1,104.1 1,127.7
1,134.4 1,140.0 1,153.5 1,161.9 1,172.2 1,181.1 1,181.5 1,180.7
1,181.4 1,182.2
8 Revolving home equity 79.4 85.2
85.7 86.5 87.9 89.0 90.2 91.3 91.5 91.7
90.4 90.7
9 Other 1,024.7 1,042.5
1,048.8 1,053.5 1,065.6 1,072.9 1,082.0 1,089.7 1,090.0 1,089.0
1,091.0 1,091.5
10 Consumer 508.7 521.0
521.8 520.9 518.5 516.0 519.0 521.1 521.4 521.3
518.0 519.9
11 Security (3) 78.8 78.7
82.4 83.9 88.2 89.7 89.1 94.0 94.5 98.2
96.8 93.8
12 Other loans and leases 257.1 269.7
275.4 281.9 287.6 288.6 296.2 299.2 299.4 302.4
302.8 298.4

13 Interbank loans 205.0 204.9


198.9 204.7 220.0 215.9 218.6 191.7 190.8 189.9
188.0 178.9

14 Cash assets (4) 219.3 231.0


232.2 233.4 239.9 246.2 243.8 247.9 243.6 260.5
243.4 245.3

15 Other assets (5) 245.2 265.4


257.0 265.7 273.5 277.6 277.8 283.1 278.2 283.4
278.4 274.1

16 TOTAL ASSETS (6) 4,284.7 4,415.2


4,436.6 4,488.9 4,537.9 4,577.0 4,584.9 4,589.0 4,575.2 4,605.7
4,594.0 4,577.4

L I A B I L I T I E S

17 Deposits 2,731.8 2,859.9


2,871.9 2,892.6 2,916.0 2,943.9 2,930.9 2,964.7 2,952.4 2,989.7
2,986.0 2,976.9
18 Transaction 750.7 719.5
715.1 705.1 699.8 700.6 688.6 692.8 686.9 717.5
683.1 678.8
19 Nontransaction 1,981.1 2,140.4
2,156.8 2,187.6 2,216.2 2,243.3 2,242.3 2,272.0 2,265.5 2,272.2
2,302.9 2,298.1
20 Large time 439.4 519.6
526.5 542.1 548.3 567.3 562.6 579.2 578.1 587.0
594.9 597.3
21 Other 1,541.7 1,620.8
1,630.3 1,645.5 1,667.9 1,676.1 1,679.7 1,692.7 1,687.4 1,685.2
1,708.0 1,700.8

22 Borrowings 703.4 705.5


724.2 735.3 747.9 762.2 765.2 735.2 727.8 726.8
740.9 727.9
23 From banks in the U.S. 290.7 304.7
300.9 305.4 313.6 313.2 303.1 271.7 262.4 259.6
272.0 264.8
24 From others 412.8 400.7
423.3 429.9 434.3 448.9 462.1 463.5 465.3 467.2
468.9 463.1

25 Net due to related foreign offices 258.5 231.3


222.3 217.7 209.1 211.7 233.7 229.4 236.4 212.8
214.9 219.2
26 Other liabilities 220.1 259.8
269.4 287.0 278.5 271.3 263.4 264.6 263.6 261.5
263.5 275.1

27 TOTAL LIABILITIES 3,913.8 4,056.5


4,087.8 4,132.6 4,151.5 4,189.0 4,193.3 4,194.0 4,180.1 4,190.8
4,205.3 4,199.1

28 Residual (assets less liabilities) (7) 370.9 358.7


348.8 356.3 386.4 387.9 391.7 395.0 395.1 414.9
388.7 378.3

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

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
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 3,676.3 3,769.6


3,803.3 3,834.0 3,851.1 3,893.3 3,905.9 3,926.7 3,925.7 3,920.3
3,949.7 3,935.8

2 Securities in bank credit 989.9 976.2


996.6 1,017.4 1,017.3 1,034.6 1,022.7 1,016.9 1,012.3 1,009.2
1,021.8 1,021.7
3 U.S. government securities 708.5 702.6
701.0 702.8 713.1 724.1 723.5 723.8 719.7 719.5
728.0 725.2
4 Other securities 281.4 273.6
295.6 314.6 304.1 310.4 299.2 293.0 292.6 289.7
293.8 296.5

5 Loans and leases in bank credit (2) 2,686.4 2,793.4


2,806.7 2,816.6 2,833.8 2,858.7 2,883.2 2,909.9 2,913.3 2,911.1
2,927.9 2,914.1
6 Commercial and industrial 743.4 780.3
783.2 793.4 800.8 812.6 818.0 820.8 821.2 820.7
828.4 822.1
7 Real estate 1,102.7 1,132.6
1,136.4 1,136.9 1,147.6 1,157.5 1,167.8 1,179.4 1,179.7 1,178.8
1,181.6 1,182.9
8 Revolving home equity 79.4 85.4
85.7 86.1 87.1 88.3 90.0 91.3 91.5 91.8
90.6 90.7
9 Other 1,023.3 1,047.2
1,050.8 1,050.8 1,060.5 1,069.1 1,077.8 1,088.0 1,088.2 1,087.0
1,091.0 1,092.2
10 Consumer 505.7 525.8
527.4 521.5 513.9 513.6 516.8 518.3 518.2 519.0
515.3 516.0
11 Security (3) 78.5 79.9
81.6 85.0 87.8 90.2 89.5 93.6 96.4 94.8
94.9 91.9
12 Other loans and leases 256.1 274.8
278.0 279.8 283.7 284.8 291.1 297.9 297.8 297.8
307.7 301.2

13 Interbank loans 202.9 214.2


208.7 209.1 216.4 214.3 214.2 189.2 189.4 177.0
189.8 181.4

14 Cash assets (4) 216.5 247.0


242.5 234.5 230.8 241.4 241.6 244.6 247.6 239.3
257.5 248.0

15 Other assets (5) 245.3 265.4


257.6 265.6 268.9 275.3 280.2 283.3 277.2 278.3
286.5 277.4

16 TOTAL ASSETS (6) 4,284.1 4,439.6


4,456.3 4,487.3 4,511.1 4,567.8 4,585.1 4,586.9 4,583.0 4,558.0
4,626.5 4,585.7

L I A B I L I T I E S

17 Deposits 2,726.7 2,892.1


2,875.8 2,877.6 2,904.8 2,941.3 2,922.2 2,960.0 2,954.8 2,936.8
3,005.0 2,984.8
18 Transaction 744.9 752.6
726.5 698.1 687.6 703.8 678.7 687.1 687.9 675.8
709.0 686.3
19 Nontransaction 1,981.8 2,139.5
2,149.2 2,179.5 2,217.2 2,237.6 2,243.5 2,272.9 2,266.8 2,261.0
2,296.0 2,298.5
20 Large time 439.3 518.3
525.2 541.6 548.4 562.9 567.4 579.0 578.9 584.1
584.4 588.8
21 Other 1,542.5 1,621.2
1,624.0 1,637.9 1,668.8 1,674.6 1,676.1 1,693.8 1,687.9 1,677.0
1,711.6 1,709.7

22 Borrowings 719.2 697.8


718.7 719.8 728.4 763.1 774.9 754.3 759.0 759.2
767.3 740.4
23 From banks in the U.S. 300.1 299.5
295.1 293.6 301.9 312.0 311.1 284.4 283.6 276.6
288.8 273.3
24 From others 419.2 398.3
423.5 426.3 426.5 451.1 463.8 469.8 475.4 482.5
478.5 467.1

25 Net due to related foreign offices 249.8 230.0


232.7 228.6 218.3 210.3 236.7 220.0 219.6 213.4
207.5 207.5

26 Other liabilities 221.6 255.7


266.6 289.0 276.7 271.6 267.1 266.9 264.1 262.9
265.4 271.8

27 TOTAL LIABILITIES 3,917.3 4,075.6


4,093.8 4,115.0 4,128.2 4,186.3 4,200.9 4,201.1 4,197.5 4,172.3
4,245.2 4,204.4

28 Residual (assets less liabilities) (7) 366.8 364.1


362.5 372.3 382.9 381.5 384.2 385.8 385.5 385.8
381.3 381.3

MEMO
29 Reval. gains on off-bal. sheet items (8) -- 69.5
88.8 101.9 90.5 90.2 81.5 76.3 76.3 73.6
75.5 79.4
30 Reval. losses on off-bal. sheet items (8) -- 64.5
85.1 98.6 87.0 88.1 85.8 81.0 80.8 78.3
80.9 82.7

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

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
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------
A S S E T S

1 Bank credit 3,213.1 3,265.4


3,288.8 3,310.5 3,335.2 3,360.1 3,361.3 3,380.2 3,379.3 3,386.9
3,393.7 3,389.2

2 Securities in bank credit 836.4 825.5


835.0 843.7 841.6 854.0 838.0 832.7 832.2 832.6
837.6 837.8
3 U.S. government securities 630.2 619.2
625.2 618.7 624.9 633.6 631.1 631.7 631.3 630.3
636.4 632.5
4 Other securities 206.2 206.3
209.8 225.0 216.7 220.5 206.9 201.0 200.9 202.3
201.2 205.3

5 Loans and leases in bank credit (2) 2,376.7 2,439.9


2,453.8 2,466.7 2,493.6 2,506.1 2,523.3 2,547.5 2,547.2 2,554.3
2,556.1 2,551.4
6 Commercial and industrial 549.0 570.3
571.1 576.7 582.1 588.7 591.4 596.8 595.7 598.3
601.6 597.9
7 Real estate 1,070.8 1,095.7
1,102.6 1,108.0 1,122.0 1,130.6 1,141.6 1,151.4 1,151.8 1,151.4
1,152.5 1,153.5
8 Revolving home equity 79.4 85.2
85.7 86.5 87.9 89.0 90.2 91.3 91.5 91.7
90.4 90.7
9 Other 991.5 1,010.5
1,016.9 1,021.5 1,034.1 1,041.5 1,051.4 1,060.1 1,060.2 1,059.7
1,062.1 1,062.8
10 Consumer 508.7 521.0
521.8 520.9 518.5 516.0 519.0 521.1 521.4 521.3
518.0 519.9
11 Security (3) 47.1 42.5
44.3 44.1 48.4 46.5 45.6 48.0 47.9 50.6
50.0 49.8
12 Other loans and leases 201.1 210.3
214.1 217.1 222.5 224.2 225.7 230.1 230.3 232.7
234.0 230.3

13 Interbank loans 183.1 183.2


176.2 183.8 197.3 197.0 198.0 171.8 170.9 170.7
166.6 160.5

14 Cash assets (4) 191.2 199.8


201.1 200.5 207.6 213.5 209.8 212.3 207.4 223.7
206.7 209.0

15 Other assets (5) 203.3 228.3


218.2 223.9 231.7 237.7 238.3 241.0 237.8 242.0
235.3 228.9

16 TOTAL ASSETS (6) 3,734.0 3,820.5


3,828.5 3,862.9 3,915.9 3,952.0 3,951.1 3,948.7 3,939.0 3,966.8
3,945.3 3,930.7

L I A B I L I T I E S

17 Deposits 2,556.4 2,640.4


2,646.2 2,654.7 2,673.4 2,686.2 2,678.9 2,706.5 2,693.9 2,726.8
2,717.9 2,704.7
18 Transaction 739.9 709.3
704.8 695.4 689.3 689.8 677.3 681.6 675.2 706.6
671.8 667.6
19 Nontransaction 1,816.5 1,931.1
1,941.4 1,959.3 1,984.0 1,996.4 2,001.6 2,024.9 2,018.7 2,020.2
2,046.2 2,037.1
20 Large time 277.1 313.1
313.3 317.8 319.7 322.8 324.3 334.5 333.7 337.5
340.6 338.8
21 Other 1,539.4 1,618.1
1,628.1 1,641.5 1,664.4 1,673.6 1,677.3 1,690.3 1,685.0 1,682.8
1,705.6 1,698.3

22 Borrowings 575.5 583.9


593.9 592.0 607.8 622.2 621.5 593.9 588.0 581.6
594.5 589.3
23 From banks in the U.S. 258.3 271.8
272.6 271.0 278.2 279.8 269.2 239.6 230.0 224.8
236.8 235.3
24 From others 317.1 312.1
321.3 321.0 329.5 342.5 352.3 354.4 358.0 356.7
357.7 353.9

25 Net due to related foreign offices 81.1 69.1


72.0 78.2 68.0 77.1 85.0 80.6 86.7 79.0
76.6 80.1

26 Other liabilities 152.0 176.5


178.6 186.4 183.7 178.4 173.2 173.0 173.0 173.4
170.6 178.6

27 TOTAL LIABILITIES 3,365.0 3,469.9


3,490.7 3,511.3 3,532.9 3,563.9 3,558.6 3,554.1 3,541.7 3,560.8
3,559.6 3,552.7

28 Residual (assets less liabilities) (7) 369.1 350.6


337.8 351.6 383.0 388.1 392.4 394.6 397.3 406.0
385.7 378.0

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

Footnotes appear on page 13.

H.8 (510)
Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED
STATES (1)
Not seasonally adjusted, billions of dollars
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 3,216.9 3,268.4


3,290.2 3,302.7 3,325.9 3,359.5 3,363.3 3,383.5 3,385.7 3,380.2
3,401.3 3,390.4

2 Securities in bank credit 842.5 817.9


830.3 839.4 843.6 856.0 842.1 838.5 838.6 835.2
841.4 839.9
3 U.S. government securities 631.6 617.4
618.3 615.7 626.6 636.8 633.0 632.8 632.4 630.7
634.4 631.1
4 Other securities 210.9 200.5
212.0 223.7 217.0 219.2 209.2 205.7 206.2 204.5
207.0 208.8

5 Loans and leases in bank credit (2) 2,374.4 2,450.5


2,459.9 2,463.4 2,482.2 2,503.5 2,521.2 2,545.0 2,547.1 2,545.0
2,559.9 2,550.5
6 Commercial and industrial 551.5 566.9
568.9 576.4 585.1 595.3 598.0 599.6 599.2 599.6
605.2 599.9
7 Real estate 1,069.6 1,100.4
1,104.6 1,104.9 1,116.0 1,126.5 1,137.5 1,149.9 1,149.9 1,149.6
1,152.9 1,154.2
8 Revolving home equity 79.4 85.4
85.7 86.1 87.1 88.3 90.0 91.3 91.5 91.8
90.6 90.7
9 Other 990.2 1,015.1
1,018.9 1,018.8 1,029.0 1,038.2 1,047.5 1,058.5 1,058.4 1,057.8
1,062.3 1,063.5
10 Consumer 505.7 525.8
527.4 521.5 513.9 513.6 516.8 518.3 518.2 519.0
515.3 516.0
11 Security (3) 46.8 43.8
43.5 45.2 48.1 47.0 46.0 47.6 49.8 47.3
48.1 47.9
12 Other loans and leases 200.8 213.6
215.5 215.4 219.1 221.0 222.8 229.7 230.0 229.5
238.4 232.5

13 Interbank loans 181.0 192.5


186.1 188.2 193.7 195.4 193.5 169.3 169.5 157.7
168.4 163.0

14 Cash assets (4) 187.9 214.8


211.1 202.4 199.0 209.6 207.6 208.2 210.7 202.1
219.5 211.5

15 Other assets (5) 203.5 227.6


219.6 223.0 227.7 236.8 239.5 241.2 237.0 238.1
244.3 233.6

16 TOTAL ASSETS (6) 3,732.4 3,847.0


3,851.2 3,860.6 3,890.4 3,945.2 3,947.6 3,945.5 3,946.3 3,921.4
3,976.9 3,941.8

L I A B I L I T I E S

17 Deposits 2,551.0 2,669.9


2,649.9 2,642.8 2,662.3 2,690.0 2,669.7 2,701.3 2,695.6 2,673.5
2,741.9 2,719.7
18 Transaction 734.2 741.7
716.2 688.2 677.3 693.4 668.0 676.0 676.6 664.7
697.0 675.4
19 Nontransaction 1,816.8 1,928.2
1,933.8 1,954.7 1,985.0 1,996.6 2,001.8 2,025.3 2,019.0 2,008.8
2,044.9 2,044.3
20 Large time 276.5 309.7
311.9 320.7 319.7 324.3 328.1 333.8 333.5 334.2
335.7 337.0
21 Other 1,540.2 1,618.5
1,621.8 1,634.0 1,665.2 1,672.2 1,673.7 1,691.4 1,685.5 1,674.6
1,709.2 1,707.3

22 Borrowings 586.9 577.4


591.5 583.1 594.2 620.7 631.4 608.0 612.8 610.7
611.1 591.9
23 From banks in the U.S. 266.3 265.8
265.8 261.5 268.1 278.3 277.6 250.6 249.0 242.6
248.5 240.8
24 From others 320.6 311.5
325.6 321.6 326.0 342.3 353.8 357.3 363.8 368.1
362.5 351.1

25 Net due to related foreign offices 79.5 66.2


73.6 79.9 72.5 78.8 92.2 79.4 81.8 80.4
72.9 72.9

26 Other liabilities 152.7 173.8


176.7 185.8 182.1 178.9 174.2 174.4 173.9 174.5
173.2 178.6

27 TOTAL LIABILITIES 3,370.1 3,487.2


3,491.8 3,491.7 3,511.0 3,568.4 3,567.5 3,563.1 3,564.0 3,539.1
3,599.0 3,563.1

28 Residual (assets less liabilities) (7) 362.3 359.7


359.5 368.9 379.4 376.8 380.1 382.4 382.3 382.4
377.9 378.8
MEMO
29 Reval. gains on off-bal. sheet items (8) -- 36.0
47.5 55.9 49.0 49.5 42.0 38.5 39.0 37.1
37.5 41.2
30 Reval. losses on off-bal. sheet items (8) -- 31.8
44.0 50.9 43.2 44.6 43.4 40.2 40.5 38.8
40.1 41.3
31 Mortgage-backed securities (9) -- 241.6
244.3 243.6 245.9 249.9 250.1 249.3 248.5 249.0
250.1 250.3

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

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
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 1,877.9 1,889.1


1,903.9 1,922.7 1,934.3 1,951.4 1,943.4 1,954.8 1,953.0 1,959.6
1,967.6 1,966.2

2 Securities in bank credit 434.1 424.4


430.3 440.5 434.7 444.6 428.0 424.3 423.0 424.7
430.8 431.9
3 U.S. government securities 308.0 297.7
300.9 295.4 299.3 307.3 304.1 305.6 304.6 304.8
311.1 308.1
3a Trading account 20.9 19.5
17.3 16.2 18.3 20.3 19.4 23.1 21.1 22.6
29.0 25.5
3b Investment account 287.1 278.2
283.6 279.2 281.0 286.9 284.7 282.4 283.4 282.2
282.1 282.6
4 Other securities 126.1 126.7
129.4 145.2 135.4 137.3 123.9 118.7 118.4 119.9
119.6 123.8
4a Trading account 55.8 60.7
64.6 79.9 69.3 71.9 58.3 51.7 51.3 52.2
52.2 56.9
4b Investment account 70.4 66.0
64.9 65.3 66.1 65.4 65.6 67.0 67.1 67.6
67.4 66.9
4c State and local government 20.7 20.4
20.5 21.1 20.8 20.7 21.0 21.7 21.8 21.8
21.9 22.2
4d Other 49.7 45.7
44.3 44.1 45.3 44.7 44.5 45.3 45.3 45.9
45.5 44.7

5 Loans and leases in bank credit (2) 1,443.8 1,464.7


1,473.6 1,482.1 1,499.7 1,506.8 1,515.3 1,530.5 1,530.0 1,534.9
1,536.9 1,534.3
6 Commercial and industrial 380.7 395.5
395.7 399.7 403.7 409.3 410.5 414.6 413.7 415.0
417.5 415.3
6a Bankers acceptances 1.5 2.0
1.9 1.6 1.7 1.6 1.6 1.6 1.6 1.7
1.6 1.5
6b Other 379.2 393.4
393.8 398.0 402.0 407.7 408.9 413.0 412.1 413.3
415.9 413.8
7 Real estate 588.7 589.9
590.7 591.4 597.2 600.3 606.8 611.4 611.5 610.2
610.6 611.6
8 Revolving home equity 56.3 58.6
58.7 59.1 59.9 60.5 61.4 62.3 62.4 62.5
61.5 61.7
9 Other 532.4 531.4
532.0 532.3 537.3 539.8 545.4 549.1 549.1 547.7
549.1 549.9
10 Consumer 292.0 294.4
297.3 299.0 297.7 296.2 297.5 297.8 297.8 297.9
296.1 298.3
11 Security (3) 42.3 37.7
39.5 39.1 43.3 41.6 40.7 43.1 43.0 45.7
45.0 44.8
11a Fed funds and RPs with broker/dealer 26.5 21.8
23.6 23.8 26.8 23.6 23.1 26.2 26.6 28.5
28.3 28.1
11b Other 15.8 15.9
15.9 15.3 16.4 18.1 17.6 16.8 16.5 17.2
16.7 16.7
12a State and local government 11.6 11.7
11.6 11.5 11.4 11.2 11.0 11.1 11.1 11.1
11.1 11.1
12b Agricultural 9.0 8.5
8.5 8.5 8.6 8.6 8.7 8.6 8.4 8.5
8.6 8.5
12c Fed funds and RPs with others 5.6 5.1
5.6 4.8 5.8 6.8 5.3 5.8 5.1 8.1
6.5 6.6
12d All other loans 62.8 61.1
61.0 62.5 64.7 63.8 64.5 66.1 67.4 66.3
68.0 64.3
12e Lease financing receivables 51.2 60.7
63.6 65.7 67.3 69.0 70.4 72.0 71.8 72.2
73.5 73.6

13 Interbank loans 136.4 131.1


124.5 129.0 138.3 143.5 144.4 117.6 118.1 116.5
110.0 106.1
13a Fed funds and RPs with banks 89.4 81.3
76.6 79.1 87.1 91.4 88.2 65.9 67.0 64.5
61.2 60.4
13b Other 47.1 49.8
47.9 49.9 51.2 52.1 56.2 51.7 51.0 52.0
48.8 45.8

14 Cash assets (4) 129.8 135.5


135.2 131.9 137.0 141.6 139.4 139.3 135.8 147.9
134.0 134.5

15 Other assets (5) 156.2 175.2


166.3 169.8 170.8 175.9 177.6 175.8 173.7 174.4
171.4 169.5

16 TOTAL ASSETS (6) 2,262.8 2,294.2


2,293.6 2,317.3 2,344.3 2,375.9 2,368.6 2,351.1 2,344.3 2,362.2
2,346.2 2,339.6

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

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)
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

L I A B I L I T I E S

17 Deposits 1,391.5 1,435.7


1,427.6 1,425.5 1,433.3 1,445.4 1,435.2 1,449.3 1,440.4 1,464.6
1,449.9 1,440.9
18 Transaction 428.8 401.9
398.3 388.4 381.6 381.3 371.0 373.8 369.4 392.0
364.7 361.5
19 Nontransaction 962.8 1,033.7
1,029.3 1,037.1 1,051.7 1,064.1 1,064.2 1,075.5 1,071.0 1,072.6
1,085.2 1,079.4
20 Large time 138.3 159.8
158.1 161.1 161.9 166.0 166.1 173.9 173.3 176.3
178.8 177.3
21 Other 824.4 873.9
871.2 876.0 889.9 898.1 898.1 901.6 897.7 896.3
906.4 902.1

22 Borrowings 437.4 425.9


435.9 435.3 448.9 461.6 461.9 433.7 429.7 422.5
435.6 428.9
23 From banks in the U.S. 180.4 188.8
188.1 187.4 194.0 195.3 184.2 160.5 153.6 146.9
162.8 161.5
24 From others 257.0 237.2
247.8 247.9 254.9 266.3 277.8 273.2 276.0 275.6
272.8 267.4

25 Net due to related foreign offices 75.9 66.3


68.0 74.2 64.1 72.7 80.9 76.9 83.5 75.3
72.8 76.2

26 Other liabilities 126.4 151.2


154.1 161.2 157.1 152.0 146.1 145.5 145.1 146.0
143.5 151.9

27 TOTAL LIABILITIES 2,031.2 2,079.2


2,085.6 2,096.2 2,103.4 2,131.7 2,124.1 2,105.5 2,098.7 2,108.4
2,101.8 2,098.0

28 Residual (assets less liabilities) (7) 231.6 215.0


208.0 221.1 240.9 244.3 244.5 245.6 245.6 253.8
244.4 241.6

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

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
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 1,880.8 1,889.4


1,907.2 1,920.4 1,929.5 1,950.4 1,945.6 1,957.2 1,959.5 1,951.2
1,973.8 1,966.2

2 Securities in bank credit 438.4 417.3


427.0 437.8 435.3 443.1 430.4 428.3 427.5 424.5
434.4 434.1
3 U.S. government securities 307.4 296.4
295.1 293.7 299.8 307.3 304.5 304.8 303.7 302.3
308.7 306.7
3a Trading account 19.7 18.2
16.4 16.4 19.4 20.5 19.6 21.7 20.5 19.6
25.4 23.5
3b Investment account 287.7 278.2
278.8 277.3 280.5 286.8 284.9 283.2 283.2 282.7
283.3 283.2
3c Mortgage-backed -- 176.4
179.3 180.1 181.9 184.0 184.0 184.3 183.6 183.6
186.4 186.2
3d Other -- 101.8
99.4 97.2 98.6 102.7 100.9 98.9 99.7 99.1
96.9 97.0
3e 1 year or less -- 27.0
27.3 26.0 26.3 28.7 27.2 27.1 27.4 28.3
26.5 25.1
3f Between 1 and 5 years -- 61.0
58.0 55.8 55.9 56.8 56.1 53.9 53.9 53.3
52.5 53.0
3g More than 5 years -- 13.9
14.2 15.3 16.4 17.2 17.6 17.9 18.4 17.6
17.9 18.9
4 Other securities 131.0 120.9
131.9 144.1 135.5 135.8 125.9 123.5 123.8 122.2
125.6 127.4
4a Trading account 61.1 54.2
66.5 78.8 69.8 70.7 60.5 56.9 56.9 55.3
59.1 61.5
4b Investment account 69.9 66.7
65.4 65.4 65.7 65.0 65.3 66.6 66.9 66.9
66.6 66.0
4c State and local government 20.7 20.5
20.6 21.1 20.8 20.9 21.2 21.8 21.9 21.9
21.6 21.6
4d Other 49.2 46.2
44.8 44.2 44.9 44.2 44.2 44.8 44.9 45.0
45.0 44.3
5 Loans and leases in bank credit (2) 1,442.5 1,472.1
1,480.2 1,482.5 1,494.1 1,507.3 1,515.2 1,528.9 1,532.0 1,526.7
1,539.5 1,532.1
6 Commercial and industrial 382.0 392.5
393.5 399.7 406.2 414.7 415.6 416.1 415.9 415.2
420.3 416.6
6a Bankers acceptances 1.4 2.1
1.9 1.6 1.6 1.5 1.5 1.5 1.6 1.6
1.5 1.4
6b Other 380.5 390.4
391.7 398.0 404.5 413.1 414.1 414.6 414.4 413.7
418.8 415.1
7 Real estate 587.6 592.7
593.1 590.8 594.3 599.0 604.1 610.0 610.2 608.1
610.3 612.2
8 Revolving home equity 56.3 58.6
58.7 58.9 59.3 60.0 61.3 62.3 62.5 62.7
61.6 61.7
9a Other residential -- 331.0
328.9 326.0 327.6 333.5 335.5 339.0 338.4 335.7
342.0 343.7
9b Commercial -- 203.1
205.5 205.9 207.4 205.4 207.3 208.6 209.4 209.8
206.7 206.8
10 Consumer 291.1 298.2
301.9 298.8 294.9 294.1 295.9 296.8 297.0 297.1
294.7 295.5
11 Security (3) 42.1 38.7
38.7 40.1 42.9 42.1 41.3 42.8 45.1 42.8
43.2 42.9
11a Fed funds and RPs with broker/dealer 26.1 21.9
22.7 24.0 26.5 24.6 23.9 25.8 27.9 25.1
26.3 26.7
11b Other 15.9 16.8
15.9 16.1 16.4 17.6 17.4 17.0 17.3 17.7
16.8 16.1
12a State and local government 11.6 11.7
11.4 11.4 11.4 11.1 11.0 11.1 11.1 11.1
11.1 11.1
12b Agricultural 9.1 8.5
8.5 8.2 8.3 8.4 8.7 8.7 8.5 8.6
8.8 8.7
12c Fed funds and RPs with others 5.8 4.6
5.7 5.6 5.7 6.5 5.3 5.9 5.3 8.1
6.8 6.8
12d All other loans 62.3 64.3
62.8 61.5 62.8 62.6 63.0 65.6 67.0 63.6
71.0 65.0
12e Lease financing receivables 51.1 60.9
64.6 66.3 67.6 68.8 70.3 71.9 71.7 71.9
73.2 73.4

13 Interbank loans 137.2 137.4


133.1 131.3 134.8 141.5 143.4 117.9 120.5 112.2
115.4 107.2
13a Fed funds and RPs with banks 91.2 84.9
81.6 81.2 85.1 91.5 89.1 67.3 70.2 61.9
67.0 60.9
13b Other 46.1 52.5
51.5 50.1 49.7 50.0 54.3 50.6 50.3 50.3
48.4 46.3

14 Cash assets (4) 127.9 146.8


143.0 134.6 130.6 139.1 137.4 136.6 140.1 132.7
142.4 134.6

15 Other assets (5) 158.1 173.8


166.6 167.5 167.8 176.0 179.4 178.0 175.7 174.9
177.8 172.9

16 TOTAL ASSETS (6) 2,266.4 2,310.6


2,313.9 2,317.8 2,326.5 2,370.7 2,369.5 2,353.3 2,359.3 2,334.6
2,373.0 2,344.6

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

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)
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

L I A B I L I T I E S

17 Deposits 1,388.3 1,451.7


1,433.9 1,423.5 1,427.2 1,447.0 1,428.5 1,446.0 1,445.0 1,427.7
1,469.2 1,450.3
18 Transaction 424.9 423.1
405.9 385.0 373.9 384.7 364.9 369.9 372.6 362.5
385.0 364.2
19 Nontransaction 963.4 1,028.6
1,027.9 1,038.4 1,053.3 1,062.3 1,063.6 1,076.2 1,072.5 1,065.3
1,084.2 1,086.2
20 Large time 138.2 157.4
158.0 163.3 161.0 166.5 169.1 173.7 173.5 174.1
175.4 176.6
21 Other 825.2 871.2
869.9 875.2 892.3 895.8 894.6 902.5 899.0 891.2
908.8 909.5

22 Borrowings 446.5 419.9


431.8 427.7 440.7 462.6 467.9 444.1 449.1 443.1
447.1 430.8
23 From banks in the U.S. 186.9 183.4
181.6 179.7 187.6 194.7 190.2 168.5 167.2 158.6
171.2 165.5
24 From others 259.7 236.4
250.2 248.0 253.1 267.8 277.7 275.6 281.9 284.5
275.9 265.3

25 Net due to related foreign offices 74.3 63.4


69.7 76.0 68.6 74.4 88.1 75.8 78.6 76.8
69.0 69.0

26 Other liabilities 127.7 149.0


152.0 160.2 155.1 152.2 147.4 147.3 146.8 147.4
146.4 151.8

27 TOTAL LIABILITIES 2,036.7 2,084.0


2,087.3 2,087.3 2,091.6 2,136.2 2,131.9 2,113.2 2,119.5 2,095.0
2,131.7 2,102.0

28 Residual (assets less liabilities) (7) 229.7 226.6


226.6 230.5 234.9 234.6 237.6 240.1 239.8 239.6
241.3 242.5

MEMO
29 Reval. gains on off-bal. sheet items (8) -- 36.0
47.5 55.9 49.0 49.5 42.0 38.5 39.0 37.1
37.5 41.2
30 Reval. losses on off-bal. sheet items (8) -- 31.8
44.0 50.9 43.2 44.6 43.4 40.2 40.5 38.8
40.1 41.3
31 Mortgage-backed securities (9) -- 198.0
200.0 199.7 200.9 204.4 204.0 202.1 201.3 201.7
202.2 202.0
31a Pass-through -- 134.2
136.5 136.7 138.0 140.5 141.0 140.1 139.4 140.0
140.8 140.7
31b CMO, REMIC, and other -- 63.8
63.5 63.0 62.8 63.9 63.0 62.0 61.9 61.7
61.4 61.3
32 Net unrealized gains (losses) on -- 2.8
2.7 2.7 2.7 1.8 2.1 2.6 2.6 2.6
2.8 3.1
available-for-sale securities (10)
33 Offshore credit to U.S. residents (11) 28.7 31.7
30.9 32.1 32.9 33.3 33.6 33.4 32.9 32.8
33.6 33.6

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

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
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 1,335.2 1,376.2


1,384.9 1,387.8 1,400.9 1,408.7 1,417.9 1,425.4 1,426.4 1,427.3
1,426.1 1,423.1

2 Securities in bank credit 402.3 401.0


404.7 403.2 406.9 409.5 410.0 408.4 409.2 407.9
406.9 405.9
3 U.S. government securities 322.2 321.5
324.4 323.3 325.7 326.3 327.0 326.2 326.7 325.5
325.3 324.4
4 Other securities 80.0 79.6
80.4 79.9 81.3 83.2 83.0 82.2 82.5 82.4
81.6 81.5

5 Loans and leases in bank credit (2) 933.0 975.2


980.2 984.6 994.0 999.2 1,007.9 1,017.0 1,017.2 1,019.4
1,019.2 1,017.2
6 Commercial and industrial 168.3 174.8
175.4 177.0 178.4 179.4 181.0 182.2 182.0 183.3
184.1 182.6
7 Real estate 482.2 505.8
511.9 516.6 524.8 530.3 534.8 540.0 540.2 541.1
541.9 541.9
8 Revolving home equity 23.1 26.7
27.0 27.4 28.0 28.6 28.8 29.0 29.1 29.1
28.9 29.0
9 Other 459.1 479.1
484.9 489.2 496.8 501.7 506.0 511.0 511.1 512.0
513.0 512.9
10 Consumer 216.6 226.7
224.5 221.9 220.8 219.8 221.4 223.3 223.6 223.4
221.9 221.6
11 Security (3) 4.8 4.8
4.7 4.9 5.2 4.9 4.9 4.9 4.9 4.9
5.0 5.0
12 Other loans and leases 61.1 63.1
63.7 64.2 64.7 64.8 65.8 66.5 66.4 66.7
66.4 66.1

13 Interbank loans 46.7 52.1


51.7 54.8 59.0 53.5 53.6 54.2 52.8 54.2
56.6 54.4

14 Cash assets (4) 61.4 64.3


65.9 68.6 70.6 71.9 70.4 73.0 71.6 75.8
72.7 74.5

15 Other assets (5) 47.1 53.2


52.0 54.1 60.9 61.8 60.7 65.2 64.0 67.6
63.9 59.4

16 TOTAL ASSETS (6) 1,471.2 1,526.3


1,534.8 1,545.6 1,571.6 1,576.1 1,582.4 1,597.6 1,594.6 1,604.6
1,599.1 1,591.0

L I A B I L I T I E S

17 Deposits 1,164.9 1,204.8


1,218.6 1,229.2 1,240.1 1,240.8 1,243.7 1,257.2 1,253.5 1,262.2
1,268.0 1,263.8
18 Transaction 311.2 307.4
306.5 307.0 307.8 308.5 306.4 307.8 305.9 314.6
307.0 306.1
19 Nontransaction 853.7 897.4
912.1 922.2 932.3 932.3 937.4 949.4 947.7 947.7
960.9 957.7
20 Large time 138.8 153.3
155.2 156.7 157.8 156.8 158.2 160.7 160.4 161.2
161.8 161.5
21 Other 714.9 744.1
756.9 765.5 774.5 775.5 779.2 788.7 787.2 786.5
799.2 796.2

22 Borrowings 138.0 158.0


158.0 156.7 158.9 160.6 159.5 160.2 158.4 159.1
158.8 160.3
23 From banks in the U.S. 77.9 83.0
84.5 83.6 84.2 84.5 85.0 79.1 76.4 77.9
73.9 73.8
24 From others 60.1 75.0
73.5 73.1 74.6 76.2 74.6 81.1 82.0 81.2
84.9 86.5

25 Net due to related foreign offices 5.3 2.7


4.0 4.0 3.9 4.4 4.1 3.7 3.2 3.7
3.9 3.9

26 Other liabilities 25.6 25.3


24.5 25.2 26.6 26.4 27.1 27.5 27.8 27.4
27.2 26.8

27 TOTAL LIABILITIES 1,333.8 1,390.7


1,405.1 1,415.1 1,429.5 1,432.3 1,434.5 1,448.6 1,442.9 1,452.4
1,457.8 1,454.7

28 Residual (assets less liabilities) (7) 137.4 135.5


129.7 130.5 142.1 143.8 148.0 149.0 151.7 152.2
141.3 136.3

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

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
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 1,336.1 1,379.0


1,383.1 1,382.3 1,396.4 1,409.1 1,417.7 1,426.3 1,426.2 1,429.0
1,427.5 1,424.2

2 Securities in bank credit 404.2 400.6


403.3 401.5 408.3 412.9 411.8 410.2 411.1 410.7
407.0 405.8
3 U.S. government securities 324.2 321.0
323.1 322.0 326.8 329.5 328.5 328.0 328.7 328.4
325.7 324.4
4 Other securities 79.9 79.6
80.2 79.6 81.5 83.5 83.3 82.1 82.4 82.3
81.3 81.4

5 Loans and leases in bank credit (2) 931.9 978.4


979.8 980.8 988.1 996.2 1,006.0 1,016.1 1,015.2 1,018.3
1,020.5 1,018.4
6 Commercial and industrial 169.6 174.4
175.4 176.7 178.9 180.6 182.4 183.4 183.3 184.4
185.0 183.4
7 Real estate 482.0 507.7
511.5 514.0 521.7 527.6 533.3 539.8 539.7 541.5
542.6 542.1
8 Revolving home equity 23.1 26.8
26.9 27.2 27.8 28.3 28.7 29.0 29.0 29.1
29.0 29.0
9 Other 458.9 481.0
484.6 486.8 494.0 499.3 504.6 510.9 510.7 512.4
513.6 513.0
10 Consumer 214.7 227.6
225.5 222.7 219.0 219.5 220.9 221.5 221.2 221.8
220.6 220.5
11 Security (3) 4.7 5.0
4.9 5.1 5.2 4.9 4.7 4.8 4.7 4.5
4.9 5.1
12 Other loans and leases 61.0 63.7
62.5 62.3 63.2 63.6 64.6 66.5 66.3 66.1
67.4 67.5

13 Interbank loans 43.8 55.1


53.0 56.9 58.9 53.9 50.1 51.4 49.0 45.6
53.0 55.8

14 Cash assets (4) 60.1 68.0


68.1 67.8 68.4 70.5 70.1 71.6 70.7 69.4
77.1 76.9

15 Other assets (5) 45.4 53.8


52.9 55.4 59.9 60.9 60.2 63.2 61.4 63.2
66.6 60.7

16 TOTAL ASSETS (6) 1,466.0 1,536.3


1,537.4 1,542.8 1,563.9 1,574.5 1,578.0 1,592.2 1,587.0 1,586.8
1,603.9 1,597.3

L I A B I L I T I E S

17 Deposits 1,162.7 1,218.2


1,216.1 1,219.4 1,235.1 1,243.0 1,241.2 1,255.3 1,250.6 1,245.7
1,272.8 1,269.4
18 Transaction 309.3 318.6
310.2 303.2 303.5 308.7 303.1 306.2 304.0 302.2
312.0 311.2
19 Nontransaction 853.4 899.6
905.8 916.2 931.6 934.3 938.1 949.1 946.6 943.5
960.7 958.2
20 Large time 138.3 152.3
153.9 157.4 158.7 157.9 159.0 160.2 160.0 160.1
160.3 160.4
21 Other 715.1 747.3
751.9 758.8 772.9 776.4 779.1 788.9 786.6 783.4
800.4 797.8

22 Borrowings 140.4 157.5


159.7 155.4 153.4 158.1 163.5 163.9 163.7 167.6
164.0 161.1
23 From banks in the U.S. 79.4 82.4
84.3 81.8 80.5 83.6 87.4 82.1 81.8 84.0
77.3 75.3
24 From others 60.9 75.1
75.4 73.7 72.9 74.5 76.0 81.8 81.9 83.6
86.7 85.8

25 Net due to related foreign offices 5.3 2.7


4.0 4.0 3.9 4.4 4.1 3.7 3.2 3.7
3.9 3.9

26 Other liabilities 25.1 24.8


24.7 25.7 27.0 26.7 26.8 27.1 27.1 27.1
26.8 26.7

27 TOTAL LIABILITIES 1,333.4 1,403.2


1,404.5 1,404.4 1,419.4 1,432.3 1,435.6 1,449.9 1,444.5 1,444.1
1,467.4 1,461.0

28 Residual (assets less liabilities) (7) 132.6 133.1


132.9 138.4 144.5 142.2 142.4 142.3 142.5 142.7
136.5 136.2

MEMO
29 Mortgage-backed securities (9) -- 43.6
44.3 43.9 45.1 45.5 46.1 47.2 47.2 47.3
47.9 48.2

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

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
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 458.9 505.0


515.9 530.7 525.4 533.7 539.9 542.8 540.0 541.7
547.8 547.0
2 Securities in bank credit 146.8 164.5
170.2 177.0 173.0 178.1 175.6 177.7 173.3 175.0
182.6 185.5
3 U.S. government securities 77.2 87.6
81.8 85.4 83.6 87.8 89.9 92.3 87.7 91.0
97.7 99.4
4 Other securities 69.6 76.9
88.4 91.6 89.4 90.2 85.7 85.4 85.6 84.0
84.9 86.0

5 Loans and leases in bank credit (2) 312.1 340.6


345.7 353.6 352.4 355.6 364.3 365.1 366.8 366.7
365.1 361.6
6 Commercial and industrial 191.2 213.0
214.4 217.1 216.1 216.6 219.7 220.5 221.4 220.2
220.6 220.8
7 Real estate 33.2 32.0
31.8 32.0 31.5 31.4 30.6 29.6 29.7 29.3
28.9 28.7
11 Security (3) 31.8 36.2
38.1 39.8 39.7 43.2 43.5 46.0 46.6 47.5
46.8 44.0
12 Other loans and leases 55.9 59.3
61.3 64.7 65.1 64.5 70.5 69.0 69.1 69.7
68.8 68.1

13 Interbank loans 21.9 21.7


22.7 20.9 22.7 18.9 20.6 19.9 19.9 19.3
21.4 18.4

14 Cash assets (4) 28.0 31.1


31.1 32.9 32.4 32.7 34.0 35.7 36.1 36.8
36.6 36.3

15 Other assets (5) 41.9 37.0


38.8 41.8 41.8 39.9 39.6 42.2 40.4 41.4
43.2 45.2

16 TOTAL ASSETS (6) 550.7 594.7


608.2 626.0 622.0 625.0 633.9 640.3 636.2 638.9
648.7 646.7

L I A B I L I T I E S

17 Deposits 175.4 219.5


225.7 238.0 242.7 257.7 252.0 258.2 258.5 262.9
268.0 272.2
18 Transaction 10.8 10.2
10.3 9.7 10.4 10.8 11.2 11.1 11.7 10.9
11.3 11.1
19 Nontransaction 164.6 209.3
215.4 228.2 232.2 246.9 240.8 247.1 246.8 252.0
256.7 261.0
20 Large time 162.3 206.5
213.2 224.3 228.7 244.5 238.4 244.7 244.4 249.6
254.3 258.5
21 Other 2.3 2.8
2.2 4.0 3.6 2.5 2.4 2.4 2.4 2.4
2.5 2.5

22 Borrowings 128.0 121.6


130.3 143.3 140.1 139.9 143.7 141.3 139.7 145.2
146.5 138.6
23 From banks in the U.S. 32.3 33.0
28.3 34.4 35.3 33.5 33.9 32.1 32.4 34.7
35.3 29.4
24 From others 95.6 88.6
102.1 108.9 104.8 106.5 109.8 109.2 107.3 110.4
111.2 109.2

25 Net due to related foreign offices 177.4 162.2


150.3 139.4 141.1 134.6 148.7 148.8 149.6 133.8
138.3 139.1

26 Other liabilities 68.1 83.3


90.8 100.6 94.8 92.9 90.2 91.6 90.6 88.1
92.9 96.5

27 TOTAL LIABILITIES 548.9 586.5


597.1 621.3 618.6 625.1 634.7 639.9 638.4 630.0
645.7 646.4

28 Residual (assets less liabilities) (7) 1.8 8.1


11.1 4.7 3.4 -0.1 -0.8 0.4 -2.2 8.9
3.0 0.3

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

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
July 18, 1997

Account 1996 1996 1997


1997 1997 1997 1997 1997 Week ending
Jun Dec Jan
Feb Mar Apr May Jun Jun 18 Jun 25 Jul 2
Jul 9
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 459.4 501.2


513.1 531.3 525.2 533.7 542.6 543.2 540.0 540.1
548.3 545.3

2 Securities in bank credit 147.4 158.2


166.3 178.0 173.7 178.5 180.5 178.4 173.8 174.0
180.4 181.8
3 U.S. government securities 76.9 85.1
82.8 87.2 86.6 87.3 90.5 91.0 87.3 88.8
93.6 94.1
3a Trading account -- 19.9
17.0 21.4 20.0 18.6 18.8 18.8 15.7 16.6
19.7 19.6
3b Investment account -- 65.3
65.8 65.8 66.6 68.7 71.6 72.2 71.6 72.2
73.9 74.5
4 Other securities 70.5 73.1
83.6 90.8 87.1 91.2 90.1 87.4 86.4 85.2
86.8 87.7
4a Trading account -- 51.3
58.6 65.2 60.4 61.4 60.0 58.6 57.7 56.8
58.6 58.6
4b Investment account -- 21.8
24.9 25.7 26.7 29.8 30.1 28.8 28.7 28.4
28.2 29.1

5 Loans and leases in bank credit (2) 312.0 343.0


346.8 353.3 351.6 355.2 362.0 364.9 366.2 366.1
367.9 363.5
6 Commercial and industrial 191.8 213.4
214.3 217.1 215.7 217.3 220.0 221.3 222.0 221.1
223.2 222.1
7 Real estate 33.1 32.2
31.8 32.1 31.5 30.9 30.3 29.5 29.8 29.2
28.7 28.7
11 Security (3) 31.8 36.2
38.1 39.8 39.7 43.2 43.5 46.0 46.6 47.5
46.8 44.0
12 Other loans and leases 55.3 61.2
62.6 64.4 64.6 63.8 68.3 68.2 67.8 68.3
69.3 68.7

13 Interbank loans 21.9 21.7


22.7 20.9 22.7 18.9 20.6 19.9 19.9 19.3
21.4 18.4

14 Cash assets (4) 28.6 32.2


31.5 32.1 31.8 31.8 34.0 36.4 36.8 37.3
38.0 36.6

15 Other assets (5) 41.8 37.8


38.0 42.7 41.2 38.4 40.6 42.1 40.2 40.2
42.1 43.9

16 TOTAL ASSETS (6) 551.6 592.7


605.0 626.7 620.6 622.7 637.6 641.4 636.7 636.6
649.6 643.9

L I A B I L I T I E S
17 Deposits 175.7 222.2
225.8 234.8 242.5 251.3 252.5 258.6 259.1 263.3
263.1 265.1
18 Transaction 10.7 10.9
10.4 9.9 10.2 10.4 10.7 11.1 11.3 11.1
12.0 10.9
19 Nontransaction 165.0 211.3
215.5 224.9 232.3 241.0 241.8 247.6 247.8 252.3
251.1 254.2
20 Large time 162.8 208.5
213.2 221.0 228.7 238.6 239.4 245.2 245.4 249.9
248.7 251.8
21 Other 2.3 2.8
2.2 3.9 3.5 2.4 2.4 2.4 2.4 2.4
2.4 2.4

22 Borrowings 132.3 120.4


127.2 136.7 134.2 142.4 143.5 146.3 146.2 148.4
156.2 148.5
23 From banks in the U.S. 33.8 33.6
29.3 32.1 33.7 33.7 33.5 33.8 34.6 34.0
40.2 32.4
24 From others 98.6 86.8
97.9 104.6 100.5 108.8 110.1 112.5 111.6 114.4
116.0 116.0

25 Net due to related foreign offices 170.2 163.8


159.1 148.6 145.8 131.5 144.5 140.6 137.8 133.0
134.6 134.6

26 Other liabilities 68.8 81.9


89.9 103.1 94.7 92.7 92.9 92.6 90.3 88.4
92.3 93.2

27 TOTAL LIABILITIES 547.1 588.3


602.0 623.3 617.2 617.9 633.4 638.0 633.4 633.2
646.2 641.4

28 Residual (assets less liabilities) (7) 4.5 4.4


3.0 3.4 3.5 4.7 4.2 3.4 3.2 3.4
3.4 2.6

MEMO
29 Reval. gains on off-bal. sheet items (8) -- 33.6
41.3 46.1 41.5 40.7 39.5 37.9 37.3 36.6
38.0 38.2
30 Reval. losses on off-bal. sheet items (8) -- 32.7
41.1 47.7 43.8 43.5 42.4 40.8 40.2 39.5
40.9 41.5

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

Footnotes appear on page 13.


H.8 (510) Footnotes
Page 13

July 18, 1997

Note: This release and historical data are available on the Federal Reserve
Board's web site: http://www.bog.frb.fed.us/.

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.