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M E M B E R BANK
CALL REPORT
NUMBER 102
CONDITION OF MEMBER BANES
JUNE 299 1946
BOARD OF GOVERNORS
OF THE FEDERAL RESERVE SYSTEM
WASHINGTON
TABLE OF CONTENTS
Assets and Liabilities:
Of All Member Banks June 2.9, 1946, December 31, 1945, and June 30, 1945
z
Of All Member Banks on Selected Call Dates, 1941-1946
z
By Class of Bank
By Federal Reserve Districts
3
4 5
Classification of Loans and United States Government Direct Obligations:
Of All Member Banks on Selected Call Dates, 1941-1946
g
By Class of Bank
^
By Federal Reserve Districts
^
Of Reserve City and Country Member Banks, by Federal Reserve Districts
Assets and Liabilities of Member Banks in Each Central Reserve and Reserve City and of Country
Banks in Each Federal Reserve District
8-9
10-13
Assets and Liabilities of Member Banks by States
Reserve Position by Class of Bank and Federal Reserve Districts
jg
Assets and Liabilities of State Member Banks by Federal Reserve Districts
hese statistics are tabulated from condition reports submitted by member banks following each official call, a minimum of three of which are required by law each year. The Comptroller of the Currency
tabulates the national bank reports and publishes the results in the Abstract of Reports of Condition of National
Banks. The Board of Governors of the Federal Reserve System tabulates the reports of State member banks
and publishes the combined statistics of national and State member banks in the Member Bank Call Report.
Member banks are classified according to their reserve requirements as central reserve city banks
reserve city banks, or non-reserve city (' 'country'') banks. A member bank that has an office in a central
reserve city is classified as a central reserve city bank; a member bank that has an office in a reserve city, but
not in a central reserve city, is classified as a reserve city bank; a member bank that does not have an office
in a reserve or central reserve city is classified as a country bank. However, some banks in outlying sections
o central reserve cities have permission to maintain the reserves required of reserve city banks or country
banks; and some banks in outlying sections of reserve cities have permission to maintain the reserves required
of country banks. Condition reports of member banks are tabulated in accordance with the reserve classifications of the banks. Since a member bank that has two or more offices, whether in the same city or in
different cities submits a consolidated condition report, the report is tabulated according to a single location
(that of the bank s head office, unless it has a branch in a city where banks are subject to higher re8
serve requirements.)
'
The comparability of figures for succeeding call dates is affected somewhat by changes in Federal Reserve
membership, mergers, etc., and by changes in the reserve classification of cities or individual banks.
MEMBER BANK CALL REPORT
ASSETS A N D LIABILITIES OF MEMBER BANKS ON JUNE 29, 1946, COMPARED WITH
DECEMBER 31, 1945, AND JUNE 30, 1945
[Amounts in thousands of dollars]
C h a n g e since—
C o n d i t i o n on—
June 29,
1946
ASSETS
Loans a n d i n v e s t m e n t s
, - Loans (including overdrafts)
I® United States Government direct obligations
® Obligations guaranteed by United States Government...
. Obligations of States and political subdivisions
' f Other bonds, notes, and debentures.
.. • • • • • • • • • • •
M I Corporate stocks (including Federal Reserve Bank stock).
Reserves, c a s h , a n d b a n k b a l a n c e s
Reserve with Federal Reserve Banks
DemandTalances with banks in United States (except private banks and
American branches of foreign banks)
Other balances with banks in United States
Balances with banks in foreign countries....
Cash items in process of collection
Due from own foreign branches
••
Bank premises owned and furniture and fixtures
Other real estate owned
••••••
;
•,
Investments and other assets indirectly representing bank premises or other
real estate
Customers' liability on acceptances..
Income accrued but not yet collected
Other assets
Total assets
LIABILITIES
Demand d e p o s i t s
•
Individuals, partnerships, and corporations..... .
•
United States Government: War loan and Series E bond accounts
Other
States and political subdivisions
Banks in United States.
Banks in foreign countries
-- •
••
:• •
Certified and officers' checks, cash letters of credit and travelers checks,
etc
Time deposits
; —
Individuals, partnerships and corporations.
United States Government
Postal savings. •
States and political subdivisions
Banks in United States
Banks in foreign countries
Total deposits.
102,031,630
23,302,464
72,251,496
20,013
3,306,835
2,860,553
290,269
107,183,445
22,775,207
78,322,769
15,705
3,254,356
2,520,773
294,635
99,426,010
20,587,878
73,206,154
33,165
3,101,733
2,198,416
298,664
-5,151,815
+527,257
-6,071,273
+4,308
+52,479
+339,780
-4,366
+2,605,620
+2,714,586
-954,658
-13,152
+205,102
+662,137
-8,395
28,079,483
16,000,610
1,141,017
29,845,331
15,811,292
1,437,801
25,766,309
14,806,900
1,150,110
-1,765,848
+189,318
-296,784
+2,313,174
+1,193,710
-9,093
5,734,475
37,100
33,542
5,132,739
7,077,345
39,242
23,372
5,456,279
6,448,205
37,907
24,070
3,299,117
-1,342,870
-2,142
+10,170
-323,540
-713,730
-807
+9,472
+1,833,622
9,959
786,748
16,898
7,321
787,692
19,311
270
800,589
27,678
+2,638
—944
-2,413
+9,689
-13,841
-10,780
63,512
90,688
229,042
92,349
64,738
65,608
239,478
90,952
65,525
40,964
223,445
84,950
-1,226
+25,080
-10,436
+1,397
-2,013
+49,724
+5,597
+7,399
131,400 ,309
138,303,876
126,435,740
-6,903,567
+4,964,569
96,331,901
65,588,767
11,820,314
188,572
4,826,211
10,390,585
1,338,924
105,395,466
62,950,086
21,945,123
233,971
4,240,421
12,333,313
1,242,676
96,569,239
57,416,587
21,713,593
253,696
3,877,395
11,063,706
1,105,851
-9,063,565
+2,638,681
-10,124,809
-45,399
+585,790
-1,942,728
+96,298
-237,338
+8,172,180
-9,893,279
-65,124
+948,816
-673,121
+233,073
2,17&,528
2,449,926
1,138,411
-271,398
+1,040,117
26,186,645
25#67,562
97,413
3,358
446,607
46,105
25,600
24,274,368
23,712,364
95,742
3,487
398,892
46,283
17,600
21,808,837
21,254,312
97,889
3,633
392,223
44,430
16,350
+1,912,277
+1,855,198
+1,671
-129
+47,715
-178
+8,000
+4,377,808
+4,313,250
-476
-275
+54,384
+1,675
+9,250
122,518,546
129,669,834
118,378,076
-7,151,288
+4,140,470
211,181
208,094
75,965
53,023
46,244
346,321
104,290
196,233
51,897
48,833
45,761
39,140
318,729
81,248
-2,772
-135,854
+32,407
—6,573
+17,141
+25,541
-13,021
+12,176
+20,343
+59,539
, +689
+24,245
+53,133
+10,021
123,480,533
130,714,952
119,159,917
-7,234,419
+4,320,616
2,628,165
3,505,260
1,271,291
515,060
2,592,364
3,383,332
1,115,849
497,379
2,535,815
3,159,463
1,106,511
474,034
+35,801
+121,928
+155,442
+17,681
+92,350
+345,797
+164,780
+41,026
208,409
72,240
108,372
46,450
63,385
371,862
91,269
Due to own foreign branches
Bills payable, rediscounts, and other liabilities for borrowed money.
Acceptances outstanding
Dividends declared but not yet payable
Income collected but not yet earned
Expenses accrued and unpaid
Other liabilities
Total liabilities.,
Dec. 31,
1945
CAPITAL ACCOUNTS
Capital
Surplus
Undivided profits
Other capital accounts..
Total capital accounts
Total liabilities and capital accounts.
MEMORANDA
Net demand deposits subject to reserve (see page 18).
Demand deposits adjusted 1
Number of banks
1
7,919,776
7,588,924
7,275,823
+330,852
+643,953
131,400,309
138,303,876
126,435,740
-6,903,567
+4,964,569
73,645,654
67,460,767
6,887
70,918,241
64,184,154
6,884
65,110,503
59,133,276
6,840
+2,727,413
+3,276,613
+3
+8,535,151
+8,327,491
+47
Demand deposits other than interbank and United States Government, less cash items reported as in process of collection.
1
ALL MEMBER BANKS—ASSETS AND LIABILITIES O N SELECTED CALL DATES, JUNE 30 1941
TO JUNE 29, 1946
[Amounts in thousands of dollars]
ASSETS
Loans and investments
Loans (including overdrafts)
United States Government direct obligations
Obligations guaranteed by United States Government..
Obligations of States and political subdivisions
Obligations of Government corporations and agencies
not guaranteed by United States
Other bonds, notes, and debentures
Corporate stocks (including Federal Reserve Bank
stock)
1941
June 30
1942
June 30
1943
June 30
40,658,948
16,729,381
14,238,453
3,839,296
2,984,431
46,800,225
16,928,316
21,412,952
2,685,132
2,933,835
527,591
1,931,443
585,0671
1,870,638/
1944
June 30
1945
June 30
67,154,826
14,822,576
44,492,693
2,487,018
2,876,441
83,586,653t
18,083,742:
59,452,067
886,708
2,833,594
99,426,Old1 107,183,445i 102,031,630
20,587,8781 22,775,207 23,302,464
73,206,154: 78,322,7691 72,251,496
33,165:
15,705
20,013
3,101,733:
3,254.35C,
3,306,835
2,127,240
2,019,836
2,198,416,
298,664
1945
Dec. 31
2,520,7731
1946
June 29
2,860,553
408,353
384,285
348,858
310,706
Reserves, cash, and bank balances1
Reserve with Federal Reserve Banks
Cash in vault
Demand balances with banks in United States (except
private banks and American branches of foreign
banks) 1
Other balances with banks in United States
Balances with banks in foreign countries
Cash items in process of collection
22,689,623
12,959,092
999,433
21,721,022
12,295,224
1,021,745
22,310,022
12,093,307
1,141,751
23,796,879
12,812,599
1,142,506
6,188,171
104,487
9,640
2,428,800
5,684,531
85,569
12,425
2,621,528
5,530,094
48,480
19,077
3,477,313
5,758,042
40,799
17,637
4,025,296
6,448,205
37,907
24,070
3,299,117
7,077,345
39,242
23,372
5,456,279
5,734,475
37,100
33,542
5,132,739
Due from own foreign branches
Bank premises owned and furniture and fixtures
Other real estate owned
Investments and other assets indirectly representing bank
premises or other real estate
Customers' liability on acceptances
Income accrued but not y e t collected
Other assets
121
913,030
208,477
275
912,669
157,897
3,580
882,776
109,233
176
841,554
59,239
270
800,589
27,678
7,321
787,692
19,311
9,959
786,748
16,898
110,642
78,719
105,402
92,107
97,206
58,830
109,348
88,383
84,774
53,904
146,019
76,077
74,198
51,248
195,765
77,822
65,525
40,964
223,445
84,950
64,738
65,608
239,478
90,952
63,512
90,688
229,042
92,349
64,857,069
69,945,855
90,821,211
Total assets.
LIABILITIES
1
294,635
290,269
25,766,309> 29,845,331
14,806,900 15,811,292
1,150,110
1,437,801
28,079,483
16,000,610
1,141,017
108,683,534 126,435,740 138,303,876 131,400,309
Demand deposits
46,016,122
Individuals, partnerships, and corporations
31,428,718
U. S. Government: War loan and Series E bond accounts
}
618,637
Other
States and political subdivisions
2,940,374
Banks in United States 1
9,609,657
Banks in foreign countries
681,010
Certified and officers' checks, cash letters of credit
and travelers' checks, etc
737,726
51,168,041 70,150,581
35,646,301 47,862,531
1,724,343 / 7,006,232
1 229,990
3,230,227
3,521,860
9,110,454
9,648,488
746,180
831,950
710,536
1,049,530
1,460,067
1,138,411
2,449,926
2,178,528
Time deposits
Individuals, partnerships, and corporations:
Savings deposits
Certificates of deposit
Christmas savings and similar accounts...
Open accounts
United States Government
Postal savings
States and political subdivisions
Banks in United States
Banks in foreign countries
12,495,387
12,236,412
13,865,508
16,947,405
21,808,837
24,274,368
26,186,645
10,353,663
648,517
133,419
762,409
36,650
18,115
397,422
138,090
7,102
10,357,105]
566,4721 13,382,304
129,771[
619,738
34,465
64,965
14,568
5,875
400,020
341,234
108,782
66,324
5,491
4,806
58,511,509
63,404,453
84,016,089
175,129
195,812
174,769
209,107
196,233
211,181
208,409
2,887
93,660
37,152
79,695
92,428
64,937
6,007
68,323
40,257
62,325
121,830
56,281
18,183
60,940
40,296
39,271
155,457
64,209
74,785
57,802
42,343
35,550
231,651
61,150
51,897
48,833
45,761
39,140
318,729
81,248
208,094
75,965
53,023
46,244
346,321
104,290
72,240
108,372
46,450
63,385
371,862
91,269
59,057,397
63,955,288
84,569,214
Total deposits1
Due to own foreign branches
Bills payable, rediscounts, and other liabilities for borrowed
money
Acceptances outstanding
Dividends declared but not y e t payable
Income collected but not yet earned
Expenses accrued and unpaid
Other liabilities
Total liabilities
CAPITAL ACCOUNTS
Capital
Surplus
Undivided profits
Reserve for contingencies
Other capital accounts
Total capital accounts
Total liabilities and capital accounts.
MEMORANDA
Par or face value of capital
Capital notes and debentures
First preferred stock
Second preferred stock
Common stock
Retirable value of capital: First preferred stock
Second preferred stock
Net demand deposits subject to reserve (see page 18).
Demand deposits adjusted (see footnote on page 1)
.
Reciprocal bank balances 1
Number of banks
P r
a nk
figure?a?e a vaitobi e
balances arc
excl
d
f
84,328,146
50,756,057
17,343,991
289,668
3,638,179
9,903,521
936,663
96,569,239 105,395,466
57,416,587 62,950,086
21,713,593 21,945,123
253,696
233,971
3,877,395
4,240,421
11,063,706 12,333,313
1,105,851
1,242,626
f 20,190,338
482,917
16,447,652 J
1
158,651 | 23,712,364
1
422,406 J
99,596
97,889
95,742
4,102
3,633
3,487
332,927
392,223
398,892
51,778
44,430
46,283
11,350
16,350
17,600
96,331,901
65,588,767
11,820,314
188,572
4,826,211
10,390,585
1,338,924
25,567,562
97,413
3,358
446,607
46,105
25,600
101,275,551 118,378,076 129,669,834 122,518,546
101,987,939 119,159,917 130,714,952 123,480,533
2,358,948
2,318,745
768,296
308,685
44,998
2,379,211
2,446,176
805,612
318,221)
41,347/
2,376,610
2,578,324
896,824
400,239
2,441,643 . 2,535,815
2,856,333
3,159,463
966,848
1,106,511
430,771
474,034
2,592,364
3,383,332
1,115,849
497,379
515,060
5,799,672
5,990,567
6,251,997
6,695,595
7,588,924
7,919,776
64,857,069
69,945,855
90,821,211
2,361,495
40,008
237,349
17,862
2,066,276
2,381,083
37,841
202,721
17,171
2,123,350
2,377,812
33,950
189,218
15,522
2,139,122
2,442,563
31,342
165,735
10,536
2,234,950
2,536,232
28,285
127,908
7,772
2,372,267
2,592,773
27,438
107,205
7,035
2,451,095
2,628,477
26,656
84,726
6,537
2,510,558
329,829
23,692
290,921
23,046
275,677
21,217
251,596
16,147
210,067
12,972
176,310
11,948
143,170
11,095
37,411,078
32,678,018
42,867,697
36,965,536
599,771
6,647
54,140,078
48,956,608
478,470
6,703
57,203,316
51,829,007
65,110,503
59,133,276
70,918,241
64,184,154
73,645,654
67,460,767
6,773
6,840
6,884
6,887
6,556
7,275,823
2,628,165
3,505,260
1,271,291
108,683,534 126,435,740 138,303,876 131,400,309
" < r o m assets and liabilities, beginning June 30, 1942, and are shown as a memorandum item for the dates
3
ATT MEMBER BANKS—ASSETS AND LIABILITIES ON JUNE 29, 1946, BY CLASS OF BANK
[ A m o u n t s in t h o u s a n d s of dollars]
C e n t r a l reserve c i t y
member banks1
New York I
Chicago
23,303,953
6,505,894
15,644,704
1,133
534,721
523,193
94,308
5,166,508
1,329,185
3,484,530
Reserves, c a s h , a n d b a n k balances
Reserve with Federal Reserve Banks
Cash in v a u l t
s
D e m a n d b a l a n c e s w i t h b a n k s in U n i t e d S t a t e s (except
p r i v a t e b a n k s a n d A m e r i c a n b r a n c h e s of foreign b a n k s ) .
O t h e r b a l a n c e s w i t h b a n k s in U n i t e d S t a t e s
B a l a n c e s w i t h b a n k s in foreign c o u n t r i e s
Cash i t e m s in process of collection. . .
D u e f r o m own foreign b r a n c h e s
B a n k p r e m i s e s owned a n d f u r n i t u r e a n d fixtures
O t h e r real e s t a t e o w n e d
Investments and other assets indirectly representing bank
premises or o t h e r real e s t a t e .
C u s t o m e r s ' l i a b i l i t y on a c c e p t a n c e s
I n c o m e a c c r u e d b u t n o t y e t collected.
Other assets
ASSETS
Loans and investments
L o a n s (including o v e r d r a f t s ) .
• • •.
United States Government direct obligations
Obligations guaranteed by United States G o v e r n m e n t . . .
O b l i g a t i o n s of S t a t e s a n d p o l i t i c a l s u b d i v i s i o n s
Other bonds, notes, and debentures
C o r p o r a t e s t o c k s (including F e d e r a l R e s e r v e B a n k s t o c k ) .
Total assets
Time deposits
I n d i v i d u a l s , p a r t n e r s h i p s , and c o r p o r a t i o n s .
United States Government
Postal savings
States and political subdivisions
B a n k s in U n i t e d S t a t e s
B a n k s in foreign c o u n t r i e s
D u e to own foreign b r a n c h e s
Bills p a y a b l e , r e d i s c o u n t s , a n d o t h e r liabilities for borrowed
money
Acceptances outstanding
Dividends declared b u t not y e t payable
I n c o m e collected b u t n o t y e t e a r n e d
Expenses accrued and unpaid
O t h e r liabilities
Total liabilities.
All
member
banks
All
national
member
banks
102,031,630
23,302,464
72,251,496
20,013
12,118
3,306,835
1,425,556
2,860,553
1,218,968
290,269
80,247
66,277,441
14,468,835
47,264,082
7,401
2,450,487
1,942,982
143,654
9,545,808
4,543,446
630,823
28,079,483
16,000,610
1,141,017
18,607,225
10,430,646
787,777
1,841,934
15,832
11,925
2,082,545
3,666,307
17,249
2,804
685,179
5,734,475
37,100
33,542
5,132,739
4,339,333
26,219
18,954
3,004,296
15,968
7,412
274,334
7,863
327,406
6,873
9,959
786,748
16,898
7,412
493,823
10,025
2,745
53,897
68,946
11,418
177
2,781
15,516
2,743
47,060
30,570
100,114
46,862
13,530
3,440
44,466
31,326
63,512
90,688
229,042
92,349
46,915
58,042
139,578
57,266
30,143,435
6,524,887
48,872,777
45,859,210
131,400,309
85,697,727
26,059,876
16,836,014
3,461,211
33,317
292,606
3,126,730
1,178,253
5,310,860
3,153,263
786,810
1,733
261,922
1,046,777
23,797
35,445,968
23,005,468
4,460,174
71,224
2,002,649
5,219,593
129,148
29,515,197
22,594,022
3,112,119
82,298
2,269,034
997,485
7,726
96,331,901
65,588,767
11,820,314
188,572
4,826,211
10,390,585
1,338,924
62,703,375
42,466,010
7,418,743
155,593
3,651,766
7,120,482
652,783
35,886,361
6,605,272
26,544,200
152,868
190,282
9,643
6,528,727
4,255,287
85,473
1,321,194
869,787
25,293
10,683,754
6,332,090
399,428
65,348
2,617
18,051
2,101,951
160,886
1,402
762
263,064
2,547
169,040
2,162
1,131,745
36,558
557,712
452,513
2,178,528
1,237,998
1,424,486
1,372,375
8,165
781,459
778,809
2,000
17,326
650
10,447,102
10,190,123
41,765
750
187,032
27,432
13,533,598
13,226,255
45,483
2,608
241,599
17,653
26,186,645
25,567,562
97,413
3,358
446,607
46,105
25,600
17,508,570
17,047,316
74,217
2,877
341,717
35,643
6,800
45,893,070
43,048,795
122,518,546
80,211,945
208,409
182,539
1,020
25,600
27,484,362
Total deposits
Country
member
banks1
37,674,808
8,862,113
26,578,062
6,762
1,193,690
928,110
106,071
LIABILITIES
Demand deposits
Individuals, partnerships, and corporations
G o v e r n m e n t : W a r loan a n d Series E b o n d a c c o u n t s . .
Other..
States and political subdivisions
B a n k s in U n i t e d S t a t e s
B a n k s in f o r e i g n c o u n t r i e s
Certified a n d officers' c h e c k s , cash l e t t e r s of c r e d i t a n d
t r a v e l e r s ' checks, e t c
Reserve
city
member
banks1
6,092,319
208,409
4,526
1,438
2,427
25,902
4,292
26,784
37,673
14,412
31,064
146,544
46,919
18,456
3,461
9,876
19,703
72,782
12,410
72,240
108,372
46,450
63,385
371,862
91,269
24,441
71,050
29,599
43,358
220,611
52,499
27,967,680
6,130,904
46,196,466
43,185,483
123,480,533
80,836,042
602,350
1,096,387
363,419
113,599
142,350
157,870
47,008
46,755
897,228
,179,808
401,250
198,025
986,237
1,071,195
459,614
156,681
2,628,165
3,505,260
1,271,291
515,060
1,678,939
2,096,442
787,862
298,442
27,000
62,712
20,724
10,191
126,634
27,648
CAPITAL ACCOUNTS
Capital
Surplus
U n d i v i d e d profits
Other capital accounts.
Total capital accounts
Total liabilities and capital accounts
MEMORANDA
P a r or f a c e v a l u e of c a p i t a l
Capital notes and debentures
F i r s t p r e f e r r e d stock
Second p r e f e r r e d stock
Common stock
2,175,755
393,983
2,676,311
2,673,727
7,919,776
4,861,685
30,143,435
6,524,887
48,872,777
45,859,210
131,400,309
85,697,727
602,350
1,225
142,350
142,350
986,549
11,131
51,613
6,137
917,668
2,628,477
26,656
84,726
6,537
2,510,558
1,679,127
601,125
897,228
14,300
33,113
400
849,415
37,380
4C0
105,790
10,695
143,170
11,095
59,016
4,466
27,061,590
23,483,284
355
22,052,598
24,630,390
6,482
73,645,654
67,460,767
6,887
47,941,022
44,351,478
5,012
R e t i r a b l e v a l u e of c a p i t a l : F i r s t p r e f e r r e d stock
Second p r e f e r r e d s t o c k . . .
N e t d e m a n d d e p o s i t s s u b j e c t to reserve (see page 18)
D e m a n d d e p o s i t s a d j u s t e d (see f o o t n o t e on p a g e 1). . .
N u m b e r of b a n k s
1
20,431,366
16,158,414
37
4,100,100
3,188,679
13
See T a b l e of C o n t e n t s p a g e f o r b a s i s of a n d c h a n g e s in classification of m e m b e r b a n k s .
43,994
3,318
1,631,815
4
ALL MEMBER BANKS—ASSETS AND LIABILITIES ON JUNE 29, 1946,
BY FEDERAL RESERVE DISTRICTS
[Amounts in thousands of dollars]
T o t a l , all
districts
ASSETS
Loans and investments
Loans (including overdrafts)
United States Government direct obligations
Obligations guaranteed by United States Government
Obligations of States and political subdivisions
Other bonds, notes, and debentures
Corporate stocks (including Federal Reserve Bank
stock)
102,031,630
23,302,464
72,251,496
20,013
3,306,835
2,860,553
Federal Reserve district
Boston
New York
Philadelphia
Cleveland
Richmond
5,153,455
1,249,429
3,678,746
476
72,242
137,189
30,809,037
7,938,919
21,214,526
4,908
750,174
781,115
5,617,665
1,086,897
4,000,800
585
153,665
355,795
8,165,789
1,708,758
5,806,435
3,708
259,581
348,391
4,527,648
953,751
3,353,977
1,031
87,749
121,827
Atlanta
4,560,836
1,006,712
3,172,809
210
284,195
87,985
290,269
15,373
119,395
19,923
38,916
9,313
8,925
Reserves, cash, and bank balances
28,079,483
Reserve with Federal Reserve Banks
16,000,610
Cash in vault
1,141,017
Demand balances with banks in United States (except
private banks and American branches of foreign banks) 5,734,475
Other balances with banks in United States
37,100
Balances with banks in foreign countries
33,542
Cash items in process of collection
5,132,739
1,248,703
707,356
83,199
8,027,917
5,096,154
189,209
1,355,888
806,085
77,716
2,019,065
1,163,489
122,927
1,367,781
696,742
85,479
1,515,494
740,031
74,328
225,099
2,075
3,052
227,922
408,488
4,110
20,504
2,309,452
284,529
2,528
1,029
184,001
448,028
2,694
532
281,395
385,357
1,672
109
198,422
493,314
4,027
370
203,424
9,959
786,748
16,898
7,412
51,440
942
2,547
252,874
3,752
59,930
2,330
79,601
407
46,193
579
44,603
1,182
63,512
90,688
229,042
92,349
3,236
11,235
11,609
3,927
6,476
54,498
85,689
19,770
4,773
6,122
9,520
13,725
2,877
614
16,156
5,659
2,763
771
6,779
9,993
2,204
3,575
9,839
5,254
131,400,309
6,491,959
39,262,560
7,069,953
10,290,168
5,962,507
LIABILITIES
Demand deposits
96,331,901
Individuals, partnerships, and corporations
65,588,767
U. S. Government: War loan and Series E bond accounts. 11,820,314
Other
188,572
States and political subdivisions
4,826,211
Banks in United States
10,390,585
Banks in foreign countries
1,338,924
Certified and officers' checks, cash letters of credit and
travelers' checks, etc
2,178,528
4,697,403
3,328,985
685,317
9,771
207,770
348,744
24,546
31,111,308
20,387,428
4,205,502
45,885
829,843
3,227,761
1,180,243
4,727,395
3,459,395
623,209
3,946
191,423
389,226
10,671
6,627,727
4,824,727
894,040
8,285
288,580
513,007
3,735
4,368,090
3,084,070
499,742
25,320
268,881
424,042
9,665
92,270
1,234,646
49,525
95,353
56,370
36,134
Time deposits
Individuals, partnerships, and corporations
United States Government
Postal savings
States and political subdivisions
Banks in United States
Banks in foreign countries
26,186,645
25,567,562
97,413
3,358
446,607
46,105
25,600
1,263,694
1,256,484
5,329
283
1,173
425
4,866,698
4,777,291
21,972
15
38,179
3,641
25,600
1,732,694
1,679,584
4,140
232
48,475
263
2,852,198
2,746,576
506
570
97,627
6,919
1,239,574
1,207,381
15,522
123
10,942
5,606
1,057,451
1,017,723
10,856
217
19,267
9,388
122,518,546
5,961,097
35,978,006
6,460,089
9,479,925
5,607,664
5,826,071
Due from own foreign branches
Bank premises owned and furniture and fixtures
Other real estate owned
Investments and other assets indirectly representing bank
premises or other real estate
Customers' liability on acceptances
Income accrued but not yet collected
Other assets
Total assets
Total deposits
Due to own foreign branches
Bills payable, rediscounts, and other liabilities for borrowed
money
Acceptances outstanding
Dividends declared but not yet payable
Income collected but not yet earned
Expenses accrued and unpaid
Other liabilities
Total liabilities
208,409
6,142,987
4,768,620
3,096,179
469,320
12,882
451,890
691,143
11,072
208,409
72,240
108,372
46,450
63,385
371,862
91,269
3,336
12,621
4,186
4,266
24,478
5,246
31,691
63,325
22,308
17,392
148,605
31,519
879
8,061
3,226
2,689
17,588
1,769
4,009
614
2,534
3,768
33,735
7,459
1,025
789
1,733
2,773
11,871
4,523
1,250
4,770
2,175
3,844
13,634
937
123,480,533
6,015,230
36,501,255
6,494,301
9,532,044
5,630,378
5,852,681
2,628,165
3,505,260
1,271,291
515,060
157,552
204,106
76,882
38,189
828,625
1,324,681
455,921
152,078
182,484
270,893
95,967
26,308
225,662
391,419
83,301
57,742
112,997
144,311
53,113
21,708
105,597
126,612
40,845
17,252
CAPITAL ACCOUNTS
Capital
Surplus
Undivided profits
Other capital accounts
Total capital accounts
Total liabilities and capital accounts
MEMORANDA
Par or face value of capital
Capital notes and debentures
First preferred stock
Second preferred stock
Common stock
Retirable value of capital: First preferred s t o c k . . .
Second preferred stock
N e t demand deposits subject to reserve (see page 18).
Demand deposits adjusted (see footnote on page 1)..
Number of banks
7,919,776
476,729
2,761,305
575,652
758,124
332,129
290,306
131,400,309
6,491,959
39,262,560
7,069,953
10,290,168
5,962,507
6,142,987
2,628,477
26,656
84,726
6,537
2,510,558
157,552
828,848.
9,869
29,323
3,721
785,935
182,484
1,618
614
155,320
6,205
1,058
175,221
225,662
12,148
6,425
75
207,014
112,997
497
1,832
15
110,653
105,597
55
3,032
50
102,460
143,170
11,095
1,834
1,364
75,817
6,919
12,944
1,658
9,425
75
1,957
15
3,386
50
73,645,654
67,460,767
6,887
3,559,158
3,401,103
337
24,187,878
20,142,465
803
3,635,657
3,516,342
649
5,004,427
4,927,265
723
3,284,569
3,210,899
475
3,602,562
3,380,779
329
ALL MEMBER BANKS—ASSETS AND LIABILITIES ON JUNE 29, 1946,
BY FEDERAL RESERVE DISTRICTS
[Amounts in thousands of dollars]
Federal Reserve district
St. Louis
Minneapolis
Kansas
City
15,089,325
2,976,793
11,069,055
3,482
518,654
497,803
23,538
3,730,246
915,327
2,529,572
1,780
156,192
112,480
14,895
2,667,819
458,940
2,070,190
425
64,316
69,975
3,973
4,215,694
828,377
3,094,577
663
183,890
99,588
8,599
3,929,917
1,148,996
2,589,893
229
145,257
38,089
7,453
13,564,199
3,029,565
9,670,916
2,516
630,920
21V.316
19,966
3,889,944
2,238,425
180,927
1,153,924
610,154
48,406
766,676
390,055
31,776
1,668,087
769,007
50,106
1,783,148
763,479
62,541
3,282,856
2,019,633
134,403
922,529
3,606
1,760
542,697
342,417
223
145
152,579
245,549
762
1,005
97,529
662,277
7,125
124
179,448
781,497
2,347
776
172,508
535,391
5,931
4,136
583,362
71,463
822
23,327
3,161
13,159
12
21,869
521
37,575
2,640
84,714
550
4,279
3,437
32,684
10,557
137
1,065
5,504
4,093
3,976
183
6,802
1,535
1,833
871
5,774
3,058
5,447
1,140
2,915
2,232
25,511
7,177
35,771
12,546
19,102,511
4,921,457
3,460,162
5,917,707
5,765,014
17,013,324
13,198,067
8,756,316
1,772,862
17,577
882,829
1,581,505
29,155
3,750,865
2,410,836
399,846
5,149
200,474
681,159
4,938
2,443,136
1,545,991
299,913
3,967
211,937
351,949
1,916
4,989,203
3,198,484
413,559
10,536
376,094
939,567
1,363
4,975,118
3,503,173
395,672
9,984
280,042
731,123
5,696
10,674,969
7,993,183
1,161,332
35,270
636,448
511,359
55,924
Chicago
ASSETS
Loans and investments
Loans (including overdrafts)
United States Government direct obligations
Obligations guaranteed by United States Government
Obligations of States and political subdivisions
Other bonds, notes, and debentures
Corporate stocks (including Federal Reserve Bank stock).
Reserves, c a s h , and bank balances
Reserve with Federal Reserve Banks
Cash in vault
•••••••
Demand balances with banks in U n i t e d States (except private banks
and American branches of foreign banks)
Other balances with banks in U n i t e d States
Balances with banks in foreign countries
Cash items in process of collection
D u e from own foreign branches
Bank premises owned and furniture and fixtures
Other real estate owned
Investments and other assets indirectly representing bank premises or
other real estate
Customers' liability on acceptances
Income accrued but not y e t collected
Other assets
Total assets.
LIABILITIES
Demand deposits
Individuals, partnerships, and corporations
United States Government: War loan and Series E bond accounts . . .
Other
States and political subdivisions
Banks in U n i t e d States.
Banks in foreign countries
_
Certified and officers' checks, cash letters of credit and travelers'
checks, etc
Time deposits
Individuals, partnerships, and c o r p o r a t i o n s .
United States Government
Postal savings
States and political subdivisions
Banks in United States.
Banks in foreign countries
Total deposits
D u e to own foreign branches
Bills payable, rediscounts, and other liabilities for borrowed m o n e y .
Acceptances outstanding
Dividends declared but n o t y e t payable
Income collected but not y e t earned
Expenses accrued and unpaid
Other liabilities
Total liabilities.
Dallas
San
Francisco
157,823
48,463
27,463
49,600
49,428
281,453
4,832,741
4,761,793
9,711
431
55,306
5,500
875,790
847,203
5,661
253
22,311
362
828,465
822,619
1,047
198
3,720
881
634,885
621,986
208
4,811
5,599
492,742
447,441
4,894
390
39,069
948
5,509,713
5,381,481
15,494
438
105,727
6,573
18,030,808
4,626,655
3,271,601
5,624,088
5,467,860
16,184,682
9,700
5,173
3,688
8,692
48,126
6,575
19,200
1,065
1,588
2,319
10,158
1,629
183
157
2,952
7,713
599
350
871
1,074
1,480
8,123
317
1,236
1,392
713
9,205
672
800
9,664
2,389
12,497
38,626
30,024
18,112,762
4,662,614
3,283,205
5,636,303
5,481,078
16,278,682
352,457
381,896
150,330
105,066
101,329
96,743
48,571
12,200
61,693
71,189
30,088
13,987
99,192
102,981
61,168
18,063
112,021
288,556
279,112
129,517
37,457
989,749
258,843
2,281
CAPITAL ACCOUNTS
Capital
Surplus
Undivided profits
Other capital accounts.
Total capital accounts
Total liabilities and capital accounts.
MEMORANDA
Par or face value of capital
Capital notes and debentures
First preferred stock
Second preferred stock
Common stock
Retirable value of capital: First preferred stock
Second preferred stock
N e t demand deposits subject to reserve (see page 18).
D e m a n d deposits adjusted (see footnote on page 1 ) . . . .
Number of banks
111,317
45,588
15,010
176,957
281,404
283,936
734,642
3,460,162
5,917,707
5,765,014
17,013,324
61,693
102
1,501
72
60,018
112,021
365
331,251
101,408
1,489
2,407
500
97,012
668
55
98,469
80
1,640
288,556
187
11,453
110,301
276,904
18,727
365
2,417
510
1,501
72
668
55
2,124
12,370
9,960,864
9,254,271
998
2,856,023
2,507,194
493
1,800,145
1,687,862
468
3,733,925
3,444,730
752
3,625,562
3,660,135
589
8,394,884
8,327,722
271
19,102,511
352,467
2,229
18,622
12
12
6
ALL MEMBER BANKS—CLASSIFICATION OF LOANS AND UNITED STATES GOVERNMENT
DIRECT OBLIGATIONS
[In t h o u s a n d s of dollars]
All m e m b e r b a n k s on selected call d a t e s
Loans
.
C o m m e r c i a l a n d i n d u s t r i a l loans, i n c l u d i n g o p e n - m a r k e t
paper1
L o a n s to f a r m e r s d i r e c t l y g u a r a n t e e d by t h e C o m m o d i t y
Credit Corporation1
O t h e r loans t o f a r m e r s 1
L o a n s t o b r o k e r s a n d d e a l e r s in securities
O t h e r l o a n s for p u r c h a s i n g or c a r r y i n g securities
R e a l - e s t a t e l o a n s : On f a r m l a n d
On r e s i d e n t i a l p r o p e r t y
On other properties
L o a n s to b a n k s
C o n s u m e r loans to i n d i v i d u a l s :
Retail automobile instalment paper
Other retail and repair-modernization instalment
P e r s o n a l i n s t a l m e n t cash loans
S i n g l e - p a y m e n t loans to i n d i v i d u a l s
All o t h e r loans (including o v e r d r a f t s )
United States Government direct obligations
T r e a s u r y bills
T r e a s u r y c e r t i f i c a t e s of i n d e b t e d n e s s
Treasury notes
U n i t e d S t a t e s s a v i n g s bonds 2
O t h e r b o n d s m a t u r i n g in 5 y e a r s or less
O t h e r b o n d s m a t u r i n g in 5 t o 10 y e a r s
O t h e r b o n d s m a t u r i n g in 10 to 20 y e a r s
B o n d s m a t u r i n g a f t e r 20 y e a r s
|
1941
J u n e 30
1942
J u n e 30
1943
J u n e 30
1944
J u n e 30
16,729,381
16,928,316
14,822,576
7,807,430
8,382,635
6,554,116
737,818
725,589
574,951
634,684
304,527
2,253,812
806,832
44,392
554,047
562,415
292,063
2,441,386
767,490
28,873
3,564,935
3,173,818
14,238,453
1,126,997
21,412,952
1,508,974
1,872,130
3,546,373
143,862
1,651,464
4,947,976
2,630,705
1,380,038
3,537,901
5,057,355
505,457
6,621,102
1,121,071
r
,
1945
J u n e 30
1945
D e c . 31
18,083,742
20,587,878
22,775,207
7,022,990
7,095,443
8,948,919
269,798
584,081
1,119,938
602,974
260,427
2,435,463
655,095
30,866
424,693
597,864
2,200,119
2,129,738
257,730
2,373,117
576,624
60,787
481,031
644,313
3,089,270
3,407,101
262,044
2,414,885
571,534
55,147
215,502
639,653
3,133,229
3,378,017
276,809
2,522,079
656,286
47,002
131,222
121,894
136,225
168,876
190,328
231,458
987,172
769,638
141,377
220,404
983,785
972,620
174,145
251,688
1,126,041
879,011
223,767
291,719
1,216,079
1,057,270
44,492,693
6,278,379
9,417,977
5,251,448
161,018
5,039,400
9,933,996
7,155,982
1,254,493
59,452,067
4,465,940
14,228,404
10,639,918
373,598
5,095,756
17,813,415
5,357,846
1,477,190
73,206,154
2,632,874
15,583,929
14,723,058
677,215
6,380,452
26,637,954
4,544,660
78,322,769
2,274,951
16,984,827
14,271,270
728,671
7,897,223
28,656,315
5,357,276
2,152,236
B
C e n t r a l reserve c i t y
member banks3
United States Government direct obligations..
T r e a s u r y bills
T r e a s u r y c e r t i f i c a t e s of i n d e b t e d n e s s
Treasury notes
United States savings bonds
O t h e r b o n d s m a t u r i n g in 5 y e a r s or less
O t h e r b o n d s m a t u r i n g in 5 t o 10 y e a r s
O t h e r b o n d s m a t u r i n g in 10 t o 20 y e a r s
B o n d s m a t u r i n g a f t e r 20 y e a r s
class of bank, J u n e 29, 1946
Chicago
Reserve
city
member
banks3
Country
member
banks3
All
member
banks
All
national
member
banks
6,505,894
1,329,185
8,862,113
6,605,272
23,302,464
14,468,835
3,168,675
803,646
3,932,385
1,780,710
9,685,416
6,107,231
601
188,062
185,461
876
20,219
21,814
31,745
165,354
321,495
1,142,070
59,412
1,349,716
334,030
11,801
49,477
629,970
33,928
354,315
279,577
1,676,447
442,012
3,073
81,222
796,179
2,395,464
2,480,167
339,937
3,085,189
841,940
54,977
74,335
632 814
1,168,064
1,394,058
237,487
1,984,353
517,979
17,995
New York
C o m m e r c i a l a n d i n d u s t r i a l loans, i n c l u d i n g o p e n - m a r k e t
paper
L o a n s t o f a r m e r s d i r e c t l y g u a r a n t e e d by C o m m o d i t y
Credit Corporation
O t h e r loans to f a r m e r s
L o a n s t o b r o k e r s a n d d e a l e r s in securities
O t h e r l o a n s for p u r c h a s i n g or c a r r y i n g securities
R e a l - e s t a t e l o a n s : On f a r m l a n d
On residential property
On o t h e r p r o p e r t i e s
Loans to banks
Consumer loans to individuals:
Retail automobile instalment paper
Other retail and repair-modernization instalment
loans...
P e r s o n a l i n s t a l m e n t cash l o a n s
Single-payment loans to individuals
All o t h e r l o a n s (including o v e r d r a f t s )
2,026,012
254
1,851,979
798,321
72
38,807
44,084
40,015
2,893
6,366
130,479
124,318
264,056
197,238
35,067
48,077
291,927
185,723'
17,290
6,223
46,428
32,111
171,959
145,323
625,028
441,316
114,445
192,810
505,567
418,623
338,761
392,433
1,468,950
1,077,773
252,748
273,310
748,120
863,103
15,644,704
• 201,335
2,980,341
2,228,585
1,489
1,857,150
7,163,807
1,078,812
133,185
3,484,530
13,578
1,041,749
529,106
2,840
407,087
996,954
433,567
59,649
26,578,062
410,444
6,038,458
4,013,567
48,890
3,191,930
10,332,373
1,910,178
632,222
26,544,200
446,975
5,231,488
3,695,962
676,245
3,141,874
10,252,618
1,604,672
1,494,366
72,251,496
1,072,332
15,292,036
10,467,220
729,464
8,598,041
28,745,752
5,027,229
2,319,422
47,264,082
658,101
10,711,423
6,858,678
534,236
5,310,798
18,620,375
3,016,419
1,554,052
• A D " . r l " g t h e Period D e c e m b e r 31,1942-June 30,1945 t h e i t e m c o r r e s p o n d i n g t o t h e p r e s e n t i t e m " L o a n s t o f a r m e r s d i r e c t l y g u a r a n t e e d b y t h e C o m m o d i t y C r e d i t C o r p o r a t i o n i n c l u d e d loans to dealers, processors, a n d f a r m e r s ' cooperatives covered by p u r c h a s e a g r e e m e n t s w i t h t h e C o m m i d i t y C r e d i t Corpor a t i o n , w h i c h are now classified, a s c o m m e r c i a l a n d i n d u s t r i a l loans, a n d loans t o f a r m e r s w i t h similar i n d i r e c t g u a r a n t e e s w h i c h a r e now classified
a s o t2h e r loans to f a r m e r s ; c o n s e q u e n t l y , D e c e m b e r 31, 1945 a n d s u b s e q u e n t figures m a y n o t b e e n t i r e l y c o m p a r a b l e w i t h p r i o r figures.
N o t r e p o r t e d s e p a r a t e l y p r i o r t o 1942.
3
See T a b l e of C o n t e n t s p a g e f o r b a s i s of a n d c h a n g e s in classification of m e m b e r b a n k s .
7
ALL MEMBER BANKS—CLASSIFICATION OF LOANS AND UNITED STATES GOVERNMENT
DIRECT OBLIGATIONS
[In thousands of dollars]
By Federal Reserve districts, J u n e 29, 1946
Total, all
districts
New York
Boston
Philadelphia
Cleveland
Richmond
Atlanta
Loans...
.—
Commercial and industrial loans, including open-market
paper
.
Loans to farmers directly guaranteed by t h e Commodity
CredijL Corporation
Other loans to farmers
.
Loans to brokers and dealers in securities
Other loans for purchasing or carrying securities
Real-estate loans: On farm land
On residential property
On other properties
Loans to banks.
Consumer loans to individuals:
Retail automobile i n s t a l m e n t paper
Other retail and repair-modernization instalment
loans
Personal i n s t a l m e n t cash loans
Single-payment loans to individuals
All other loans (including o v e r d r a f t s )
23,302,464
1,249,429
7,938,919
1,086,897
1.708,758
953,751
1,006,712
9,685,416
632,078
3,569,772
411,180
564,318
316,897
416,093
81,222
796,179
2,395,464
2,480,167
339,937
3,085,189
841,940
54,977
124
12,673
58,472
75,017
7,458
136,975
70,251
2,019
154
32,026
1,868,186
896,957
18,368
486,767
144,113
40,389
120
15,229
46,704
65,633
19,317
191,130
69,491
450
208
27,579
81,901
270,793
45,228
349,204
75,445
1,059
2,514
28,419
17.735
112,521
26.736
151,186
60,316
2,986
4,487
34,360
22,454
179,683
15,364
67,259
35,819
1,897
264,056
11,411
18,328
9,604
15,801
14,290
16,241
338,761
392,433
1,468,950
1,077,773
17,048
25,332
135,769
64,802
78,256
97,001
410,083
278,519
18,091
29,300
157,806
52,842
23,846
36,542
109,806
107,028
8,590
22,143
125,025
64,393
14,153
21,632
66,982
110,288
United States Government direct obligations.
Treasury bills
T r e a s u r y certificates of indebtedness
Treasury notes
United States savings bonds
Other bonds m a t u r i n g in 5 years or less
Other bonds m a t u r i n g in 5 to 10 years
Other bonds m a t u r i n g in 10 to 20 years
Bonds m a t u r i n g a f t e r 20 years
72,251,496
1,072,332
15,292,036
10,467,220
729,464
8,598,041
28,745,752
5,027,229
2,319,422
3,678,746
53,787
611,717
478,376
36,701
408,065
1,513,613
409,834
166,653
21,214,526
282,686
3,753,692
2,845,822
89,382
2,449,418
9,713,985
1,526,147
553,394
4,000,800
140,700
551,018
520,467
78,970
372,715
1,736,592
348,796
251,542
5,806,435
47,489
1,051,197
817,619
82,208
760,601
2,335,945
440,391
270,985
3,353,977
49,722
766,931
402,398
48,738
399,032
1,419,569
151,778
115,809
3,172,809
41,972
813,115
447,261
29,601
398,824
1,118,307
137,071
186,658
By Federal Reserve districts, J u n e 29, 1946—Continued
Chicago
Loans
Commercial and industrial loans, including open-market paper
Loans to farmers directly guaranteed by t h e Commodity Credit
Corporation
Other loans to farmers
Loans to brokers and dealers in securities.
Other loans for purchasing or carrying securities
Real-estate loans: On f a r m land
On residential p r o p e r t y
On other properties
Loans to b a n k s
Consumer loans to individuals:
Retail automobile i n s t a l m e n t p a p e r .
Other retail and repair-modernization instalment loans
Personal i n s t a l m e n t cash loans
Single-payment loans to individuals
All other loans (including overdrafts)
United States Government direct obligations
Treasury bills
Treasury certificates of indebtedness.
Treasury notes
United States savings bonds
Other bonds m a t u r i n g in 5 years or less
Other bonds m a t u r i n g in 5 to 10 years
Other bonds m a t u r i n g in 10. to 20 years
Bonds m a t u r i n g a f t e r 20 years
'
St. Louis
Minneapolis
Kansas
City
Dallas
San
Francisco
2,976,793
1,330,340
915,327
371,354
458,940
149,726
828,377
319,724
1,148,996
519,699
3,029,565
1,084,235
761
86,631
200,729
316,947
61,225
473,978
121,603
100
808
45,895
14,430
103,065
23,282
137,337
38,106
3,466
788
55,338
3,790
40,805
13,703
81,945
16,383
722
3,770
157,066
8,278
69,079
27,495
78,220
27,136
223
51,305
118,231
8,778
167,410
18,114
51,377
37,181
271
16,183
182,732
64,007
182,257
63,647
879,811
146,096
1,395
31,329
61,891
37,804
157,822
95,633
12,315
15,603
13,417
92,775
43,474
10,117
17,040
9,999
17,656
40,928
15,439
10,970
12,644
45,827
52,506
24,068
13,446
19,633
49,072
70,411
85,113
59,827
66,986
100,327
96,949
11,069,055
74,708
2,664,948
1,663,052
145,877
1,434,581
3,936,629
839,670
309,590
2,529,572
36,877
509,969
438,004
45,341
287,494
982,097
154,724
75,066
2,070,190
22,668
370,511
333,561
69,989
276,285
811,758
114,814
70,604
3,094,577
85,869
918,482
566,523
53,759
404,829
874,673
112,717
77,725
2,589,893
57,072
803,630
467,813
20,629
316,429
796,961
69,437
57,922
9,670,916
178,782
2,476,826
1,486,324
28,269
1,089,768
3,505,623
721,850
183,474
8
RESERVE CITY BANKS1—CLASSIFICATION OF LOANS AND UNITED STATES GOVERNMENT
DIRECT OBLIGATIONS
[In thousands of dollars]
Total, all
reserve
city
banks
Loans
Commercial and industrial loans, including open-market
paper
Loans to farmers directly guaranteed by the Commodity
Credit Corporation
Other loans to farmers
Loans to brokers and dealers in securities
Other loans for purchasing or carrying securities
Real-estate loans: On farm land
On residential property
On other properties
Loans to banks
Consumer loans to individuals:
Retail automobile instalment paper
Other retail and repair-modernization instalment
loans
Personal instalment cash loans
Single-payment loans to individuals
All other loans (including overdrafts)
United States Government direct obligations
Treasury bills
Treasury certificates of indebtedness
Treasury notes
United States savings bonds
Other bonds maturing i n 5 years or less
Other bonds maturing in 5 to 10 years
Other bonds maturing in 10 to 20 years
B o n d s maturing after 20 years
B y Federal Reserve districts, June 29, 1946
Boston
N e w York
Philadelphia
Cleveland
Richmond 2
8,862,113
661,587
177,902
549,458
1,091,968
441,941
550,149
3,932,385
417,980
82,422
277,749
443,135
169,970
236,453
97
80,781
238,186
1,612
129,021
30,104
800
692
736
13,168
79,099
2,318
43,607
24,932
2,728
1,402
3,677
16,129
141,874
1,679
17,200
13,021
1,413
31,745
165,354
321,495
1,142,070
59,412
1,349,716
334,030
11,801
16
508
3,679
18,683
312
36,773
12,852
56,589
35,317
16,296
24,214
642
42,994
42,731
135
14,949
13,399
400
130,479
2,152
1,228
2,549
3,920
6,976
7,868
171,959
145,323
625,028
441,316
9,716
4,498
65,908
28,275
3,024
2,978
9,330
6,097
11,032
7,954
123,789
11,777
12,846
17,480
70,419
63,567
4,770
7,924
66,902
18,119
7,701
9,313
33,392
59,027
26,578,062
410,444
6,038,458
4,013,567
48,890
3,191,930
10,332,373
1,910,178
632,222
1,308,939
40,385
221,810
174,894
837
131,262
476,692
238,043
25,016
542,191
50
84,470
97,171
1,615
79,496
239,316
34,126
5,947
1,601,801
71,774
208,966
232,949
2,225
126,601
756,549
165,641
37,096
3,208,841
13,441
611,745
463,748
2,447
456,676
1,282,180
291,774
86,830
1,635,295
17,504
375,571
166,247
5,366
172,958
790,579
70,336
36,734
1,316,057
24,386
311,523
175,376
1,820
188,296
470,636
68,902
75,118
B y Federal Reserve districts, June 29, 1946—Continued
Chicago 2
Commercial and industrial loans, including open-market paper
Loans to farmers directly guaranteed by the Commodity Credit
Corporation
Other loans to farmers
Loans to brokers and dealers in securities
Other loans for purchasing or carrying securities
Real-estate loans: On farm land
On residential property
On other properties
Loans to banks
Consumer loans to individuals:
Retail automobile instalment paper
Other retail and repair-modernization instalment loans
Personal instalment cash loans
Single-payment loans to individuals
All other loans (including overdrafts)
United States Government direct obligations.
Treasury bills
Treasury certificates of indebtedness
Treasury notes
United States savings bonds
Other b o n d s maturing in 5 years or less
Other bonds maturing in 5 to 10 years
Other bonds maturing in 10 to 20 years
Bonds maturing after 20 years
1
2
St. Louis
Minneapolis
Kansas
City
Dallas
868,445
361,685
571,849
293,259
205,410
93,008
500,083
247.472
707,194
379,510
47
2,935
11,458
100,002
3,695
197,244
46,208
260
4,425
13,610
71,147
1,355
50,686
20,219
3,346
192
1,285
3,755
30,923
89
18,348
2,560
712
493
32,041
8,164
62,683
6,159
38,340
14,980
154
14,864
11,251
8,030
147,705
2,755
21,075
23,503
256
11,041
31,178
14,455
54,811
33,686
6,042
12,224
6,784
63,612
24,880
2,850
12,385
4,102
4,301
30,900
6,627
7,296
6,252
31,087
38,335
8,689
10,309
8,579
23,738
46,930
3,901,744
28,888
942,522
578,965
14,164
515,017
1,517,278
213,732
91,178
1,184,863
18,324
194,401
214,566
3,568
122,548
528,411
82,816
20,229
768,540
7,274
104,780
134,746
1,801
92,546
335,827
56,432
35,134
1.751,694
41,916
472,897
307.473
6,940
268,029
539,102
75,337
40,000
1,298,399
6,296
360,148
215,148
4,201
174,888
465,735
33,155
38,828
See T a b l e of Contents page for basis of and changes in classification of member banks.
See note 3, page 11.
Atlanta 2
9
1
COUNTRY BANKS —CLASSIFICATION OF LOANS AND UNITED STATES GOVERNMENT
DIRECT OBLIGATIONS
[In thousands of dollars]
Total, all
country
banks
Loans
Commercial and industrial loans, including open-market
paper
Loans t o farmers directly guaranteed by t h e Commodity
Credit Corporation
Other loans to farmers
Loans to brokers and dealers in securities
Other loans for purchasing or carrying securities
Real-estate loans: On f a r m land
On residential property
On other properties
Loans to b a n k s
..
Consumer loans to individuals:
Retail automobile instalment paper
#
Other retail and repair-modernization i n s t a l m e n t
loans
Personal i n s t a l m e n t cash loans
Single-payment loans to individuals
All other loans (including o v e r d r a f t s )
United States Government direct obligations
Treasury bills
Treasury certificates of indebtedness
Treasury notes
United States savings bonds
Other bonds m a t u r i n g in 5 years or less
Other bonds m a t u r i n g in 5 to 10 years
Other bonds m a t u r i n g in 10 to 20 years.
Bonds m a t u r i n g a f t e r 20 years
By Federal Reserve districts, J u n e 29, 1946
Boston
New York
Philadelphia
Cleveland
Richmond 2
Atlanta 2
6,605,272
587,842
1,255,123
537,439
616,790
511,810
456,563
1,780,710
214,098
318,675
133,431
121,183
146,927
179,640
49,477
629,970
33,928
354,315
279,577
1,676,447
442,012
3,073
124
12,673
1,883
39,700
7,458
120,679
46.C37
1,377
138
31,264
12,528
79,953
17,984
411,187
87,177
374
120
15,229
3,710
22,902
19,182
176,181
56,092
50
208
27,482
1,120
32,607
43,616
220,183
45,341
259
1,822
27,683
4,567
33,422
24,418
107,579
35,384
258
3,085
30,683
6,325
37,809
13,685
50,059
22,798
484
124,318
9,259
14,207
7,055
11,881
7,314
8,373
114,445
192,810
505,567
418,623
7,332
20,834
69,861
36,527
40,165
45,946
108,826
86,699
7,059
21,346
34,017
41,065
11,000
19,062
39,387
43,461
3,820
14,219
58,123
46,274
6,452
12,319
33,590
51,261
26,544,200
446,975
5,231,488
3,695,962
676,245
3,141,874
10,252,618
1,604,672
1,494,366
2,369,807
13,402
389,907
303,482
35,864
276,803
1,036,921
171,791
141,637
5,027,631
81,301
688,881
520,066
86,278
512,772
2,310,862
413,209
414,262
2,398,999
68,926
342,052
287,518
76,745
246,114
980,043
183,155
214,446
2,597,594
34,048
439,452
353,871
79,761
303,925
1,053,765
148,617
184,155
1,718,682
32,218
391,360
236,151
43,372
226,074
628,990
81,442
79,075
1,856,752
17,586
501,592
271,885
27,781
210,528
647,671
68,169
111,540
By Fedetal Reserve districts, J u n e 29, 1946—Continued
Chicago 2
Commercial and industrial loans, including open-market paper
Loans to farmers directly guaranteed by t h e Commodity Credit
Corporation
Other loans to farmers
..
Loans to brokers a n d dealers in securities.
Other loans for purchasing or carrying securities
Real-estate loans: On f a r m land
On residential property
On other properties
Loans to b a n k s
Consumer loans to individuals:
Retail automobile instalment paper
Other retail and repair-modernization instalment loans
Personal instalment cash loans
Single-payment loans to individuals
All other loans (including o v e r d r a f t s )
United States Government direct obligations
Treasury bills
T r e a s u r y certificates of indebtedness
Treasury notes
United States savings bonds
Other bonds m a t u r i n g in 5 years or less
Other bonds m a t u r i n g in 5 to 10 years
Other bonds m a t u r i n g in 10 to 20 years
Bonds m a t u r i n g a f t e r 20 years
St. Louis
Kansas
City
Dallas
S&n
Francisco
779,163
165,009
343,478
78,095
253,530
56,718
328,294
72,252
441,802
140,189
493.438
154,493
714
83,095
1,209
31,484
56,654
256,515
53,581
12
548
41,470
820
31,918
21,927
86,651
17,887
120
596
54,053
35
9,882
13,614
63,597
13,823
10
3,277
125,025
114
6,396
21,336
39,880
12,156
69
36,441
106,980
748
19,705
15,359
30,302
13,678
15
2,404
74,333
869
8,537
24,344
113,634
38,058
45
13,922
13,423
17,126
56,583
29,836
6,273
3,379
6,633
29,163
18,594
7,267
4,655
5,897
13,355
10,028
8,812
3,674
6,392
14,740
14,171
15,379
3,137
11,054
25,334
23,481
14,576
10,349
11,982
22,588
17,226
3,682,781
32,242
680,677
554,981
128,873
512,477
1,422,397
192,371
158,763
1,344,709
18,553
315,568
223,438
41,773
164,946
453,686
71,908
54,837
1,301,650
15,394
265,731
198,815
68,188
183,739
475,931
58,382
35,470
1,342,883
43,953
445,585
259,050
46,819
136,800
335,571
37,380
37,725
1,291,494
50,776
443,482
252,665
' 16,428
141,541
331,226
36,282
19,094
1,611,218
38,576
327,201
234,040
24,363
226,155
575,555
141,966
43,362
1 See T a b l e of C o n t e n t s page for basis of and changes in classification of m e m b e r banks.
2
See n o t e 3, page 11.
Minneapolis
IO
ALL MEMBER BANKS—ASSETS AND LIABILITIES ON JUNE 29, 1946, OF BANKS IN EACH CENTRAL
A S S E T S [In t h o u s a n d s of dollars]
Loans and investments
Federal Reserve district numbers, a n d r e s e r v e cities
All member b a n k s
Number of
banks
6,887
Total
Loans
(including overdrafts)
U . S.
Govt,
direct
obligations
102,031,630 23,302,464 72,251,496
ObligaObligaCorporate
Other
tions guar- tions of
stocks
bonds,
States and
anteed
(including
political notes, and
b y U. S.
F. R.
debenGovernsubdiviBank
tures
ment
stock)
20,013
Reserve b a n k cities1.
1. B o s t o n
2. N e w Y o r k 2 . . .
3. P h i l a d e l p h i a
4. Cleveland
5. R i c h m o n d
6. A t l a n t a 3
7. Chicago 2
8. St. L o u i s
9. M i n n e a p o l i s
10. K a n s a s C i t y
11. D a l l a s
12. San F r a n c i s c o
182
11
42
25
4
6
4
53
9
4
10
7
7
46,396
2,019
23,443
2,330
1,659
317
664
6,236
1,061
31,136,354
1,308,939
15,731,109
1,601,801
1,135,885
228,391
414,574
4,316,180
666,694
499,599
480,168
276,876
4,476,138
4,230
43
1,518
100
Reserve b r a n c h cities1.
2. B u f f a l o
4. C i n c i n n a t i
4. P i t t s b u r g h
5. B a l t i m o r e
5. C h a r l o t t e 3
6. B i r m i n g h a m
6. J a c k s o n v i l l e
6. N a s h v i l l e
6. N e w O r l e a n s
7. D e t r o i t
8. L i t t l e Rock
8. Louisville
8. M e m p h i s
9. H e l e n a
10. D e n v e r
10. O k l a h o m a C i t y
10. O m a h a
11. E l Uaso
11. H o u s t o n
11. San A n t o n i o
12. L o s A n g e l e s . . ;
12. P o r t l a n d
12. S a l t L a k e C i t y
12. S e a t t l e
132
5
10
14,817,694 3,115,923 10,827,469
609,625
132.392
455,786
744,291
474,604
227,192
1,559,824
276,933 1,134,773
682,891
134.713
536,507
364,602
108.393
238.090
270,358
59,436
184,447
270,990
75,483
174.154
283,950
74,841
171.091
549,242
132,850
371.791
2,040,891
352.714 1,592,977
118,080
19,543
85,354
377,941
102,477
254,530
331,113
118,990
178,285
38,294
4,414
33,454
432,739
81,336
333,389
251,840
57,253
171.155
322,281
56,143
229.792
94,989
31,364
61,252
670,686
151,056
491,720
265,371
39,130
217,873
2,404,138
416,865 1,934,011
887,882
166,567
661,959
202,375
39,935
153,522
1,043,301
255,903
686,953
2,636
156
1,666
O t h e r reserve cities1
4. C o l u m b u s
4. T o l e d o
5. W a s h i n g t o n
7. C e d a r R a p i d s
7. D e s M o i n e s
7. D u b u q u e
7. G r a n d R a p i d s 3
7. I n d i a n a p o l i s
7. M i l w a u k e e
7. P e o r i a
7. Sioux C i t y
9. S t . P a u l
10. K a n s a s C i t y , K a n s a s . ,
10. Lincoln
10. P u e b l o
10. S t . J o s e p h
10. T o p e k a
10. T u l s a
10. W i c h i t a
11. F o r t W o r t h
11. G a l v e s t o n
11. Waco
12. Ogden
12. S p o k a n e
91
3
4
16
1
3
2
4
5
6
3
4
3
2
3
1
4
4
4
4
3
4
3
2
3
Country banks, by districts..
1. B o s t o n
2. N e w Y o r k
3. P h i l a d e l p h i a
4. Cleveland
5. R i c h m o n d
6. A t l a n t a
7. Chicago
8. St. L o u i s
9. M i n n e a p o l i s
10. K a n s a s C i t y
11. D a l l a s
12. San F r a n c i s c o
11
9
4
3
4
4
6
6
4
6
3
2
7
5
6
2
9
6
6
3
6
5
6,482
326
756
624
691
440
308
911
471
459
702
555
239
12
660,
720,
664,
6,618,
4,931,518
314,417
296,615
795,008
64,512
197,164
32,431
282,219
470,861
704,202
101,802
73,159
322,167
43,873
99,953
16,958
59,428
57,828
251,579
169,868
264,406
58,891
52,657
83,530
117,990
923,967 3,743 ,473
213 830
69,124
35,444
249, 749
129,839
632, 307
7,565
37, 792
131, 369
51,937
28, 670
2,184
192, 658
75,972
366, 281
69,628
577, 895
98,128
10,239
87, 437
16,519
015
75,221
2 I ; 487
12,704
487
12,961
374
816
770
9,467
576
9,849
619
49,045
188j 598
127, 766
29,835
91,610
165, 749
8,767
056
12,701
873
26,014
063
18,398
052
35,886,361 6,605
3,133,516
587,
6,756,244 1,255,
3,287,337
537,
3,591,574
616,
2,367,678
511,
2,522,266
456,
4,885,452
779,
1,841,513
343,
1,646,531
253,
1,788,769
328,
1,858,592
441,
2,206,889
493
E:
£•
1
,544,200
369,807
027,631
398,999
597,594
718,682
856,752
682,781
344,709
301,650
342,883
291,494
611,218
62
6
348
391
3
1,759
584
1
71
3
153
1,029
7
6
267
253
4
143
Reserve
with
Federal
Reserve
Banks
28,079,483 16,000,610
1,291,164 1,155,797
22,105
20,642
538,151
526,261
52,097
117,424
6,471
30,868
6,199
13.313
26,482
14,310
178,329
218,631
27,414
26,555
10,020
24,425
39,414
16,590
7,794
5,522
376,688
141,256
151,210
6,623
94,725
9,448
2,569
570
1,063
10,742
9.749
1,008
3,341
1,564
9,808
12,718,787 8,052,204
546,010
352,085
6,562,992 4,278,421
658,008
423,529
374,380
237,985
107,166
58,485
237,856
112,402
1,619,407 1,027,639
314,579
192,304
202,701
115,536
317,233
150,141
283,184
138,675
1,495,271
965,002
50,364
3,018
4,265,135 2,535,176
151,588
89,088
202,226
114,322
412,654
269,625
178,641
109,438
139,701
70,079
76,562
49,811
106,917
54,442
97,162
48,073
178,307
111,759
490,625
292,580
46,886
26,368
119.350
73,086
126.351
68,530
13,415
7,827
145,305
79,188
109,035
53,538
110,431
63,560
39,079
17,939
251,435
142,038
102,904
51,462
586,457
387,808
220,940
137,929
68,779
38,128
290,385
178,558
458,961
5.770
19,653
26,767
2,420
5,
19,702
14,063
25,967
35,389
22,059
6,927
8.771
23,641
161
5,854
18,646
22,657
2,231
17,491
4,502
37,843
48,495
7,389
76,725
362,341
12,503
19.555
95,726
7,708
11,623
6,284
6,795
10,248
8,495
69.556
6,129
11.314
9,587
218
11,642
4,312
13,278
131,154
20,182
6,521
1,725
18,576
9,376
1,097
• 7,227
20,710
6,619
1,747
937
2,780
944
649
156
1,023
3,001
9,938
2,651
5,148
1,309
992
123,447
10,624
4,496
29,449
474
3,867
447
6,004
13,527
20,329
2,179
338
8,034
1,675
1,817
168
1,621
6,225
12,118
433
3,234
485
2,042
1,031
148
2,013
1,431
425
263
226
387
Total
3,306,835 2,860,553 290,269
9,154
3,521
11,098
9,844
1,096
22,655
1,281
273
3,593
9,400
1,500
2,#8
29
582
703
1,425,556 1,218,968
50,137
116,547
206,253
242,351
101,568
238,371
179,987
187,122
71,567
59,734
162,592
41,853
251,977
162,451
89,439
58,895
51,355
37,298
78,957
35,559
105,790
15,705
75,934
23,082
See T a b l e of C o n t e n t s p a g e f o r basis of a n d c h a n g e s in classification of m e m b e r b a n k s
Includes both central reserve city and reserve city banks.
F o r o t h e r f o o t n o t e , see o p p o s i t e p a g e .
Reserves, cash,
1,621
25,625
1,543
658
489
495
1,803
717
3,001
126
849
610
47
516
474
411
142
1,265
345
4,250
1,014
280
1,065
8,448
657
405
1,688
105
269
33
351
709
964
200
97
645
59
152
48
81
86
402
216
399
101
62
107
612
80,247
8.750
21,652
10,475
8,039
4,854
4,358
7,067
3,561
2,273
2,813
3,575
2,830
1,549,753
99,656
78,591
235,413
19,483
55,334
10,318
59,255
166,013
194,893
30,043
24,981
107,556
14,748
32,570
24,949
20,646
23,864
80,699
53,469
122,180
26,709
20,779
14,759
32,845
869,784
57,789
47,434
146,309
11,321
30,082
6,501
36,000
86,617
119,237
16,726
12,768
52,520
7,727
18,637
4,029
10,711
13,232
46,291
32,478
57,557
13,939
10,978
9,054
21,847
9,545,808 4,543,446
702,693
355,271
1,313,337
728,645
697,880
382,556
851,558
436,334
706,860
312,431
818,690
363,544
1,219,592
598,954
546,758
249,866
443,004
214,172
735,138
289,475
936,878
330,891
573,420
281,307
II
RESERVE AND RESERVE CITY 1 AND OF COUNTRY BANKS IN EACH FEDERAL RESERVE DISTRICT
A S S E T S [In t h o u s a n d s of dollars]
and bank balances
Cash
items in
process
of collec
Bank
premises,
furniture, and
fixtures
37,100
33,542 5,132,739
786,748
11,795
1,153
2,617
2,065
82
25,821
2,207
18,068
1,024
228
774
136
543
107
44
2,690
304,782
17,575
169,860
18,475
8,016
2,430
7,210
19,536
4.174
388
2,660
8,734
45,724
6,841
129
1,402
50
284
1,060
315
2,638
3,434,291
121,442
2,108,469
134,404
73,337
32,831
80,745
308,547
69,415
49,436
82,444
56,104
317,117
796,165
31,644
45,189
77,765
33,109
40,131
12,327
21,044
6,079
36,042
87,310
8,431
23,916
17,561
2,458
23,953
17,719
23,250
3,642
38,523
18,172
118,128
43,782
14,882
51,108
106,442
9,359
9.616
19,417
5,828
2,460
2,125
2,691
2,348
5,500
4.617
658
1,708
3,244
233
892
870
2,504
650
6,938
3,282
9,610
6,295
713
4,884
2,218
40
192
17
29
217,104
19,317
11,998
26,567
4,265
4,225
Balances
Other
with
balances
banks in
with
foreign
banks
in U. S. countries
4,113
317
227
4,357
2,091
6
178
38
50
252
306
27
689
33
855
24
285
456
5
196
187
913
3,943
372
40
13
362
166
560
78
37
71
10
17,249
922
1,176
463
2,385
1,625
3,596
1,421
140
478
1,896
1,155
1,992
2,804
845
345
5
5
343
182
231
307
541
3
355
14
267
2,974
333
550
186
Income
accrued
but not
collected
acceptances
Federal Reserve district
numbers, and reserve cities
131,400,309
All m e m b e r b a n k s
90,688
229,042
102,308
80,326
10,006
53,959
6,024
342
133,301
5,833
69,322
6,992
4,570
965
1,824
18,197
2,677
2,231
1,258
214
19,218
49,673
8,845
14,267
10,801
720
404
932
3,390
1,604
764
664
200
7,082
59,721,032 R e s e r v e b a n k c i t i e s *
2,608,584
1. Boston
30,318,525
2. N e w York 2
3,034,332 3 Philadelphia
2,047,296
4 Cleveland
429,174 5. Richmond
912,149
6. Atlanta^
7,900,931
7. Chicago^
1,388,440 8. St. Louis
870,714 9 Minneapolis
1,043,026 10. Kansas City
957,207 11. D a l l a s
8,210,654 12. San Francisco
41,724
1,971
2,108
4,803
2,034
1,050
971
581
915
1,606
6,307
118
993
421
144
1,332
331
896
81
1,358
491
6,959
3,335
7
2,912
14,712
1,652
552
1,525
1,294
881
1,099
143
259
650
1,428
153
200
576
19,269,759
774,669
959,114
1,999,858
871,122
508,803
351,264
381,403
385,306
738,982
2,543,997
165,898
500,192
461,807
52,087
580,847
364,025
436,395
134,895
938,061
372,076
3,014,260
1,119,464
273,320
1,341,914
9,551
476
897
1,087
6,597
418
5
441
1,275
1,588
266
136
1,008
185
21
417
261
1,605
64
30
173
240
5
3,625
290
30
3,069
833
178
10
19,204
5,875
15,210
373
6.624
61
129
15
405
109
700
1,603
1,394
114
672
2,147
15
3
102
1
4,786
1,128
4,769
835
200
30
86
896
966
3,507
4,512
22,947
1,912
4,491
180
1,490
949
4,239
3,713
20,436
2,780
1,274
1,725
3,047
48,118
6.175
1,578
13,248
896
488
20
3,134
2,659
4,749
1,797
563
2,530
426
498
94
98
611
3,094
884
2,060
995
150
762
609
685,179
106,480
169,339
49,597
53,789
65,784
47,187
56,801
33,256
22,688
15,108
31,577
33,573
327,406
33,865
73,655
41,455
34,799
22,227
24,729
33,004
13,543
10,008
9,238
14,766
16,117
6,873
942
1,550
1,975
198
536
549
138
187
298
21
1,500
1,460
50
37
29
350
1
194
3
110
183
637
542
270
12
Total
31,265
376
2,795
3,349
200
726
149
81
188
350
248
Other
assets
63,512
1,456
2
1,611
800
200
126
2,162
Customers'
liability
615
8,395
25,081
40,729
2,250
40
16,8
Assets
indirectly
representing
real
estate
1,275
1,221
83
384
Other
real
estate
owned
13,530
2,860
3,308
1,424
1,074
537
810
1,926
137
1
150
661
642
3,440
1,229
478
98
107
257
726
166
127
3
165
12
72
44,466
5,776
14,396
2,528
3,302
1,643
3,942
4,051
1,295
3,419
287
501
3,326
1
578
59
283
96
274
26
1,492
812
520
159
6$
101
2,877
35
187
48
121
65
16
39
12
30
31,326
2,494
6,398
2,924
2,696
4,537
2,171
3,156
1,560
597
838
1,516
2,439
6,550,308
420,810
377,782
1,049,133
84,891
255,049
42,845
345,510
641,097
907,135
134,636
98,935
433,786
59,288
133,235
42,004
80,427
82,681
336,122
224,884
389,263
86,611
73,625
99,071
151,488
45,859
3,883.
8,169
4,035
4,485
3,104
3,373,
6,147,
2,405
2,103
2,534
2,813
2,803,
Reserve branch cities1
2. Buffalo
4. Cincinnati
4. Pittsburgh
5. Baltimore
5. Charlotte^
6. Birmingham
6. Jacksonville
6. N a s h v i l l e
6. N e w Orleans
7. Detroit
8. Little Rock
8. Louisville
8. Memphis
9. Helena
10. Denver
10. Oklahoma City
10. Omaha
11. El Paso
11. H o u s t o n
11. San Antonio
12. Los Angeles
12. Portland
12. Salt Lake City
12. Seattle
O t h e r reserve cities1
4. Columbus
4. Toledo
, 5. Washington
7. Cedar Rapids
7. D e s Moines
7. D u b u q u e
7. Grand Rapids 3
7. Indianapolis
7. Milwaukee
7. Peoria
7. Sioux City
9. St. Paul
10. Kansas City, Kansas
10. Lincoln
10. Pueblo
10. St. Joseph
10. Topeka
10. Tulsa
10. Wichita
11 Fort Worth
11. Galveston
11. Waco
12. Ogden
12. Spokane
Country b a n k s , by districts
1. B o s t o n
2. N e w York
3. Philadelphia
4. Cleveland
5. Richmond
6. Atlanta
7. Chicago
8. St. Louis
9. Minneapolis
10. Kansas City
11. D a l l a s
12. San Francisco
I n c l u d e s figures for a b a n k w i t h i t s h e a d office in a n o n - r e s e r v e c i t y , t h a t h a s a b r a n c h in t h i s r e s e r v e city; see T a b l e of C o n t e n t s p a g e .
F o r o t h e r f o o t n o t e s , see o p p o s i t e p a g e .
IX
ALL MEMBER BANKS—ASSETS AND LIABILITIES ON JUNE 29, 1946, OF BANKS I N EACH CENTRAL
L I A B I L I T I E S [In thousands of dollars]
D e m a n d deposits
Federal Reserve district
numbers, and reserve cities
All member b a n k s .
Total
Individuals,
partnerships, and
corporations
United
States
Government
States
and
political
subdivi-
Time deposits
Banks in
United
States
Banks
in
foreign
countries
47,876 ,465
2,191 195
26,174 305
2,562 ,435
1,304 ,918
334 ,965
752 ,150
6,090 367
1,134 658
726 ,749
925 ,843
816 ,304
4,862 ,576
•0,744,950 6,450,311
342,173
1,448,046
6,928,433 3,510,308
355,525
1,739,354
204,910
913,791
185,994
47,097
409,507
97,925
889,145
3,797,929
171,495
630,642
115,063
373,372
413,923
69,964
102,914
397,139
543,792
3,506,820
,351,067 6,571,677
260,839
91,088
295,343 3,128,417
67,493
373,862
52,467
109,864
20,595
77,976
162,609
78,256
269,058 1 , 0 5 3 , 3 5 1
298,213
20,931
189,424
39,787
38,913
395,106
42,484
264,712
257,304
334,652
,295,928
23,359
178,272
10,657
2,453
Reserve b r a n c h cities1.
2. Buffalo
4. Cincinnati
4. Pittsburgh
5. Baltimore
5. Charlotte 3
6. Birmingham
6. Jacksonville
6. Nashville
6. N e w Orleans
7. D e t r o i t
8. Little Rock
8. Louisville
8. M e m p h i s
9. Helena
10. Denver
10. Oklahoma City
10. Omaha
11. El Paso
11. H o u s t o n . . .
11. San Antonio
12. Los Angeles
12. Portland
12. Salt Lake City
12. Seattle
13,923,952
475,873
697,771
1,486,104
680,068
440,640
278,780
310,432
299,532
587,019
1,580,525
137,550
404,120
361,383
45,489
438,056
319,296
374,028
103,963
797,826
293,763
1,883,370
752,098
214,125
962,141
9,237,188 1,700,543
62,827
354,228
461,284
116,693
1,055,877
167,239
430,781
104,763
42,105
216,138
175,698
37,162
160,658
20,871
152,625
40,132
327,580
61,817
215,256
1,115,359
71,303
10,187
196,303
60,199
199,642
28,002
16,025
6,409
50,064
302,169
143,039
32,802
195,717
48,848
68,351
9,229
526,435
79,485
204,568
24.373
1,489,231
227,732
99,633
557,788
154,389
12,688
662,000
142,027
765,633 2,004,758
26,271
24,378
96,141
16,188
21,504
231,046
93,663
44,938
64,541
113,340
37,887
26,718
37,173
89,121
31,711
72,894
60,179
125,797
85,642
132,667
19,347
35,785
123,640
6,803
104,212
28,082
11,088
11,591
68.732
12,316
101,956
36,880
116,438
11,210
5,450
18,355
135,104
48,837
52.514
8,046
85,483
34,478
41,988
35,440
13,251
32,295
66,782
72,489
26,104
1,052
9,166
53
19,104
16.365
1,995
2,491
5,621
8,581
816,665
41,729
15,112
42.733
28,064
40.515
1,042
6,481
77,056
132,246
11,879
31,086
83,196
16,103
37,124
5,852
20,052
11,253
39,000
47,991
101,098
14,499
3,241
4,755
4,558
,594,022 3,194,417 5,269,034
352,915
880,939
116,682
678,252
508,229
104,767
271,630
123,930
720,041
143,025
320,134
018,174
138,760
628,358
229,427
224,295
217,853
870,111
419,629 311,464
837,727
125,311
135,112
312,946
996,756
133,176 114,615
189,403
694,645
132,125
154,374
147,544
034,469
125,388
495,089
150,178
997,485
87,905
74,966
15,364
19,115
96,330
202,835
67,118
119,309
68,241
79,960
141,600
24,742
C o u n t r y b a n k s , b y districts
1. Boston
2. N e w York
3. Philadelphia
4. Cleveland
5. Richmond
6. Atlanta
7. Chicago
8. St. Louis
9. Minneapolis
10. Kansas City
11. Dallas
12. San Francisco
1
2
5,016,287 3,012,607
188,828
328,068
268,697
186,773
622,799
789,221
64,862
27,387
82,257
211,149
16,924
23,929
131,003
184,186
286,582
510,606
673,143
361,083
91.726
61,878
81,844
38,187
340,197
159,838
45,067
16,643
116,226
49,319
28,811
19,069
58.727
30,740
72,302
35,527
293,636
185,744
200,101
111,949
338,388
187,788
60,310
37,924
61,391
46,499
61,945
41,688
111,755
86,178
29,515,
2,506,
4,461,
2.164
2,542,
2,123
2,540,
3,685,
1,713,
1,330,
2,117,
2,503,
1,826,
663,615
.39,401
53,948
101,670
5,328
33,609
4,260
32,679
58,227
113,340
11,773
7,193
49,232
4,168
14,421
2,799
4,678
8,461
38.374
17,391
29,461
5,192
7,458
9,338
11,214
449,477
48,607
6,789
47
3,824
53,031
1,516
11.364
80,079
57,612
4,441
4,798
45,944
7,785
12,599
994
2,084
16,685
28,121
111
23
24,350
4,897
1,383
1,327
976
48,120
211
1,018
1,228
8,414
4,356
26
10
1,184
434
1,235
3,815
622
5
2,306
8,326
24
80
332
302
7,726
1,187
919
14
2,462
13
26
231
1,867
1,007
See Table of Contents page for basis of and changes in classification of member banks.
Includes both central reserve city and reserve city banks.
For other f o o t n o t e , see opposite page.
Total
Individuals,
United
partner- States Postal
ships,
Govsavand
ernings
corpora- m e n t
tions
Banks
States
in
and
Banks
forpolitiin
eign
cal
U.S.
subdivisions
tries
96,331,901 65,588,767 12,008,886 4,826,211 10,390,585 1,338,924 2,178,528 26,186,645 25,567,562 97,413 3,358 446,607 46,105 25,600
Reserve b a n k cities1. .
1. Boston
2. N e w York 2
3. Philadelphia
4. Cleveland
5. Richmond .
—
6. Atlanta 32
7. Chicago
8. St. Louis
9. Minneapolis
10. Kansas City
11. Dallas
12. San Francisco
O t h e r reserve cities1
4. Columbus
4. Toledo
5. Washington
7. Cedar Rapids
7. D e s M o i n e s
7. D u b u q u e
7. Grand Rapids 3
7. Indianapolis
7. Milwaukee
7. Peoria
7. Sioux City
9. St. Paul
10. Kansas City, K a n s a s . .
10. Lincoln
10. Pueblo
10. St. Joseph
10. Topeka
10. Tulsa
10. Wichita
11. Fort Worth
11. Galveston
11. Waco
12. Ogden
12. Spokane
Certified
and officers'
checks,
etc.
,462,532 7,329,325
30,866
25,690
188,032
185.973 2,053
,133,532 1,474,809 1,421,746 8,220
15,544
209.384
201,182
427
21,433
620,242
612,350
70,268
3,192
64,619 4,800
113,175
3,830
111,456
1,586
5 6 , 5 3 4 1,325,931 1 , 3 0 3 , 0 7 4
2,057
160,339
8,480
159.974
335
95,109
7,720
95,065
37
68,114
6,610
68,065
46
75,049
8,079
73,242
132
171,888 2,928,873 2,840,299 11,173
189,726 4,152,411 4,053,924 13,574
7,117
247,388
246,179
191,147
7,254
186,518
82
238,284
9,420
224,300
87
4,695
139,544
134,892
811
39,235
4,516
37,122
1,700
52,052
1,315
52,052
50,165
2,436
49,574
76
2,170
64,687
63,448
1,231
114,982
3,232
110,772
151
838,229
27,245
3,075
834,427
22,186
928
1,750
20,422
17,175
57,532
56,558
444
75,676
1,430
75,676
4,608
376
300
4,308
114.385
4,749
111,900
4,619
22,180
17,026
225
1,805
41,766
41,761
24,1
1,394
850
23,230
87,138
7,531
79,294
63,124
3,027
313
44,759
42,631
983,864
966,566
279
313,693
16,627
309,355
90
46,361
46,311
5
1,497
320,105
16,537
2,105
317,474
73,757 1,171,311 1,150
70,356
9,450
6,075
91,176
194,283
13,646
16,011
259
1,737
29,702
17,207
187
144,578
2,635
95,609
8,582
176,811
175,
8,530
33,889
32,
1,755
580
13,101
63,295
1,685
11,584
368
10,471
2,763
10,176
9,
97
18,455
18,
1,173
6,358
376
23,071
2,397
15,266
3,666
34,076
3,676
21,371
700
1,702
9,330
31,727
543
33,408
1,175
t
1
452,513
66,580
93,997
33,981
41,721
30,321
23,151
49,779
20,450
17,682
20,977
23,319
30,555
533,598
075,662
144,501
523,310
,640,993
796,244
662,390
,141,673
560,057
665,453
293,059
178,574
851,682
293 128,592 6,929 25,600
6
18,017 1,226 25,600
69
128
7,578
7,758
134
5
844
6
16
111
20,800
5
25
6
1
3
1,650
25
198
71,928 5.275
104
5
10
2
32
6
5
36
2
5
1
1,000
353
5
55
25
2,345
13
612
300
59
156
7,490
51
629
7
42
100
4
450
95
1,002
5
1
25
520
327
15
71,353 13,456
792
417
3,750
792
10,444 3,443
565 3.276
411
5
8
4,027
252
3
500
510
475
5
30
37 2,448
4,100
829
7,808
18,050
16,909
4,103
110
145
40
525
5,063 8,067
15 1,935
1,395
60
792
6
1,800
325
3,258
564
65
470
105 1,305
15
950
70
13,226,255 45,483 2,608 241,599 17,653
1,070,511 3,276
277
1,173
425
15 19,370 1,998
3,109,366 13,752
1,478,402
163 40,897
3,713
135
495 74,265
1,565,392
286
555
7,211
96
777,490
9,533 1,914
7,812
179 15,211 8,767
630,421
255 31,656
1,263
2,107,621
878
242 21,808
534,573 3,132
302
150
660,622
81
3,719
881
190
363
569
467
3,599
327
10,611
923
995
219
12,787
408
±3
RESERVE AND RESERVE CITY 1 AND OF COUNTRY BANKS IN EACH FEDERAL RESERVE DISTRICT
L I A B I L I T I E S AND CAPITAL ACCOUNTS [In thousands of dollars]
Total
deposits
Bills
payable
and other
borrowed
money
Acceptances
outstanding
Total
liabilities
Other
liabilities
Capital
Surplus
Undivided
profits
Other
capital
accounts
Net
Demand
demand
deposits
Total
deposits adjusted
c a p i t a l subject to
(see footacreserve
note on
counts
(see
page 1)
page 18)
122,518,546
72,240
108,372
781,375 123,480,533 2,628,165 3,505,260
,271,291
515,060 7,919,776 73,645,654 67,460,767
55,205,790
2,379,227
27,649,114
2,771,819
1,925,160
405,233
865,325
7,416,298
1,294,997
821,858
993,957
891,353
7,791,449
34,584
96,341
11,371
62,774
7,963
342
560,660 55,897,375 1,212,516 1,765,372
94,087
59,263
2,409,955
19,357
606,925 1,099,637
394,668 28,133,556
115,580
65,232
17,685 2,797,551
33,530
49,330
1,940,612
15,110
7,400
7,500
407,138
1,905
17,500
13,900
870,026
4,671
174,327
158,990
7,460,394
39,281
22,025
35,025
1,310,534
7,204
21,300
12,300
826,289
4,253
15,585
17,600
995,907
1,940
25,350
25,350
894,392
3,039
139,051
161,101
7,851,021
51,547
600,653
28,710
364,196
43,224
8,046
4,645
5,671
53,603
16,945
5,595
11,936
9,782
48,300
245,116 3,823 657 37,142
198 629 1,686,
16,56t
114,211 2,184 ,969 20,520
236 ,781 1,997,
12,745
982,
106 ,684
15,778
242,
22 ,036
2,491
536,
42 ,123
5,052
440 ,537 4,658,
53,617
848,
77 ,906
3,911
529
44 ,425
5,230
47 119
694
1,
574
62 ,815
2,333
359 ,633 3,869
11,181
18,076, 363
723, 261
888, 918
1,724, ,388
819, 612
479. ,875
330 ,832
360 ,597
364 ,219
702 ,001
2,418 ,754
159 ,736
461 ,652
437 ,059
50 ,097
552 ,441
341 ,476
415 ,794
128 ,043
884 ,964
356 ,887
2,867 ,234
1,065 ,791
260 ,486
1,282 ,246
12,700
155,156
5,643
10,274
16,792
6,699
2,296
3,502
27,000
84
7,500
30
4,815
833
178
10
8,025
500
3,200
8,000
8,272
61
129
15
405
129
672
3,342
15
3
102
1
615
1,224
1,172
200
6,187 ,598
398 ,424
359 ,873
983 ,504
80 ,873
240 ,851
41 ,136
328 ,764
606 ,215
849 ,954
125 ,615
94 ,945
403 ,492
56 ,651
126 ,697
38 ,987
77 ,182
78 ,660
316 ,707
215 ,367
372 ,464
81 ,681
70 ,721
93 672
145 ,163
6,500
43,048,795
3,581,870
7,605,631
3,688,270
4,183,162
2,919,440
3,203,097
5,827,403
2,273,211
1,996,154
2,410,169
2,681,747
2,678,641
18,456
3,336
4,691
795
4,009
1,025
250
298
21
37
6,500
81,848 18,179,183
725,326
2,004
894,166
5,119
1,736,651
12,248
822,843
2,826
483,166
3,162
332.778
1,946
362,998
1,901
367,097
2,206
708,347
2,504
2,431,919
9,950
160,225
486
472,284
2,632
438,826
1,665
50,229
132
554,217
1,775
343,074
983
417,091
1,297
128,560
517
889,391
3,203
357,873
986
2,882,547
14,141
1,070,057
4,066
261.838
852
1,287,630
5,247
314,952
18,920
22,400
34,500
13,756
7,100
6,600
6,100
7,300
10,383
36,620
1,623
9,900
6,800
850
7,210
8,000
6,700
1,600
21,750
5,590
46,000
13,200
4,450
17,600
533,286
23,655
26,050
186,375
22,744
14,100
6,700
9,260
8,250
14,832
46,750
2,600
14,950
11,500
710
9,990
7,850
7,010
3,400
20,500
5,630
47,500
20,605
4,225
6,218,492
400,307
361,819
988,851
80,875
241.779
41,153
329,953
607,798
859,466
125,968
95,234
406,928
56,828
127,161
39,038
77,287
78,890
318,084
216,051
373,107
81,779
70,818
93,983
145,335
114,460
8,500
6,800
19,200
500
4,750
550
6,400
9,250
16,100
3,260
1,600
9,000
1,050
2,600
500
1,250
1,700
5,650
2,900
6,500
1,650
850
1,700
135,407
7,980
6,955
27,750
3,000
4,450
550
5,461
14,350
15,887
3,300
1,650
12,500
925
2,000
1,000
1,090
24,096
1,862
1,946
5,347
2
928
17
1,152
1,583
2,943
338
223
3,434
177
449
51
105
230
1,312
684
643
311
164
3,461
1,250
490
98
107
255
726
350
156
127
3
165
300
72
3,700
12
114,771 43,185,483
3,605,275
18,819
7,642,373
31,561
3,696,750
7,587
4,198,489
11,211
7,660 2,928,380
3,211,435
7,362
5,838,223
10,664
2,280,745
3,707
1,999,759
3,602
2,412,675
1,991
2,685,158
3,399
2.686,221
7,208
18,100
1,220
7,850
4,300
6,550
1,679
1,060
2,624
4,314
13,894
821
2,559
3,940
259
7,289
4,714
3,515
893
5,563
2,223
33,005
11,468
2,215
9,594
55,868
3,472
1,416
11,123
516
2,059
414
2,917
8,443
8,850
1,384
263
3,657
438
893
703
682
617
2,116
1,850
1,910
1,169
1,353
932
604
704
1,143
986,237 1,071,195
110,019
98,289
201,389
202,780
155,313
117,252
130,529
104,132
72,317
65,441
70,070
61,314
112,171
114,437
45,668
47,981
36,679
39,543
44,161
44,032
47,008
48,731
45,871
42,305
459,614
48,172
86,082
52,743
43,301
28,350
23,674
57,987
24,306
20,577
27,096
24,238
23,088
2,200
1,200
87,182 1,090,576 10 676,922
360,402
49,343
1,125
502,587
64,948
6,224
263,207 1,193,008
25,540
516,693
48,279
5,080
25,637
332,197
2,141
18,486
218.474
1,
18,405
240,395
1,985
214,653
18,209
35
465.475
30,635
1,106
112,078 1,194,851
14,814
5,673
107,866
629
302,967
27,908
499
22,981
279,622
741
1,858
33,769
39
26,630
328,659
2,141
233,671
20,951
387
280,940
19,304
2,079
75,291
6,335
442
616,650
48,670
857
14,203
221,454
760
131,713 1,474,918
5,206
581,976
49,407
4,134
173,793
11,482
592
726,611
54,234
8,940
26,081
551
79:
2,209
2,011
178
779
1,256
6,83:
724
188
1,701
47
581
763
118
254
2,422
464
1,753
571
153
834
900
,124,258
,443,382
,248,839
,687,987
914,354
176,950
410,848
,814,974
590.638
371,443
377,002
391,598
,696,243
9,396,382
355,972
439,537
1,009,036
447,305
245,064
191,404
179,223
180,427
354,949
1,140,936
83,147
196,365
211,593
25,534
295,281
166,819
185,482
71,553
544,280
197,469
1,448,212
572,621
154,255
699,918
331,816 3,773,827 3,309,737
227,568
253,513
20,503
187.639
190,245
15,963
609,925
60,282
626,365
27,205
4,016
52,463
132,800
13,270
155,624
17,406
16,461
1,692
136,607
133,813
15,557
350,162
382,959
33,299
386,496
492,999
47,669
66,463
68,836
8,668
39,053
3,701
63,616
184,520
239,292
26,858
22,884
34,254
2,460
60,190
89,087
6,074
19,980
8,102
2,966
32,507
44,985
3,140
51,639
54,746
3,791
212,023
224,234
18,038
131,006
164,754
8,833
187,393
248,062
16,156
37,839
44,042
4,832
49,418
45,287
2,807
46,127
5/
48,565
92,887
91,523
6,153
156,681 2,673,727
278,100
21,620
526,993
36,742
338,871
13,563
286,819
8,857
175,895
9,787
162,448
7,390
309,262
24,667
124,375
6,420
103,816
7,017
122,098
6,809
128,118
8,141
116,932
5,668
Federal Reserve districtnumbers, and reserve cities
All member b a n k s
Reserve b a n k cities 1
1. Boston
2. New York 2
3. Philadelphia
4. Cleveland
5. Richmond
6. Atlanta 3
7. Chicago 2
8. St. Louis
9. Minneapolis
10. Kansas City
11. Dallas
12. San Francisco
Reserve b r a n c h cities 1
2. Buffalo
4. Cincinnati
4. Pittsburgh
5. Baltimore
5. Charlotte 3
6. Birmingham
6. Jacksonville
6. Nashville
6. New Orleans
7. Detroit
8. Little Rock
8. Louisville
8. Memphis
9. Helena
10. Denver
10. Oklahoma City
10. Omaha
11. El Paso
11. Houston
11. San Antonio
12. Los Angeles
12. Portland
12. Salt Lake City
12. Seattle
O t h e r reserve cities 1
4. Columbus
4. Toledo
5. Washington
7. Cedar Rapids
7 . Des Moines
7 . Dubuque
7. Grand Rapids 3
7. Indianapolis
7. Milwaukee
7. Peoria
7. Sioux City
9. St. Paul
10. Kansas City, Kansas
10. Lincoln
10. Pueblo
10. St. Joseph
10. Topeka
10. Tulsa
10. Wichita
11. Fort Worth
11. Galveston
11. Waco
12. Ogden
12. Spokane
C o u n t r y b a n k s , by d i s tricts
,052,598 24,630,390
872,358 1,957,721 1. Boston
306,646 3.537.654 2 New York
638,124 1,828,355 3. Philadelphia
882,790 2,149,131 4. Cleveland
566,498 1.731.655 5. Richmond
927,026 2,063,928 6. Atlanta
740,706 3,142,169 7. Chicago
316,865 1,425,451 8. St. Louis
997,317 1,106,365 9. Minneapolis
,575,646 1,889,917 10. Kansas City
, 8 0 0 , 1 8 0 2,180,585 11. Dallas
,428,442 1,617,459 12. San Francisco
3 Includes figures for a bank with its head office in a non-reserve city, t h a t has a branch in this reserve city; see Table of Contents page.
For other footnotes, see opposite page.
H
ALL MEMBER BANKS—ASSETS A N D LIABILITIES
A S S E T S [In t h o u s a n d s of dollars]
Loans and investments
State
Total, all States
New England:
Maine
^
New Hampshire
Vermont
Massachusetts
Rhode Island
Connecticut
Middle Atlantic:
New York
New Jersey .
Pennsylvania
East North Central:
Ohio
Indiana
Illinois
Michigan
Wisconsin
West N o r t h Central:
Minnesota
Iowa
Missouri
North Dakota
South D a k o t a
Nebraska
Kansas
South Atlantic:
Delaware
Maryland
D i s t r i c t of C o l u m b i a . .
Virginia
West Virginia
N o r t h Carolina
South Carolina
Georgia
Florida
East South Central:
Kentucky
Tennessee
Alabama.
Mississippi
West South Central:
Arkansas
Louisiana
Oklahoma
Texas
Mountain:
Montana
Idaho
Wyoming
Colorado
.
New Mexico
Arizona
Utah
Nevada
Pacific:
Washington
Oregon..
California
Number of
banks
6,887
38
52
40
150
11
63
Total
Loans
(including
overdrafts)
U.S.
Government
direct
obligations
102,031,630 23,302,464 72,251,496
301,186
161,256
114,362
3,399,022
553,375
863,567
49,941
235,240
39,672
107,895
36,839
63,468
915,114 2,350,595
98,860
441,895
155,262
665,707
Reserves, cash, and
ObligaObligations
Other
t i o n s of
guaranbonds,
teed by S t a t e s a n d
n
otes,
political
U.S.
a n d desubdiviGovernb
e
n
tures
sions
ment
20,013
3,306,835 2,860,553
Corporate
stock
(including
F. R.
Bank
stock)
Total
Reserve
with
Federal
Reserve
Banks
290,269 28,079,483 16,000,610
17
35
108
262
3,978
4,277
4,482
37,066
4,450
19,052
11,232
8,969
9,193
86,180
5,582
21,425
778
408
272
9,805
2,588
2,055
3,817
67,009
44,616
25,367
836,205
100,584
226,201
32,272
20,512
12,830
508,214
58,583
100,015
579
295
772
27,679,368 7,375,944 18,890,402
3,501,039
609,185 2,593,893
7,393,845 1,395,996 5,273,169
2,055
1,128
643,249
132,982
175,943
658,487
150,691
500,814
107,469
13,160
45,868
7,423,017 4,768,386
692,594
379,203
1,827,144 1,099,776
424
239
491
228
168
5,186,691 1,191,102 3,644,779
1,659,085
274,070 1,268,461
8,368,006 1,802,882 5,972,618
3,539,273
657,796 2,633,900
1,632,511
240,781 1,303,529
2,130
360
864
1,385
467
192,565
61,632
283,122
120,174
36,397
147,066
52,197
294,867
48,975
9,049
2,365
13,653
5,406
2,362
1,251,291
717,361
478,168
240,694
2,211,839 1,310,399
803,241
462,859
422,542
219,798
207
164
183
42
60
146
214
1,660,103
911.108
2,531,375
180,645
221,379
720,530
738,070
313,528 1,252,284
177,340
651,583
663,147 1,694,716
19,948
154,860
38,626
170,831
113,886
552,314
124,876
566,540
89
696
1,826
14
40,690
60,948
92,431
2,785
8,307
32,222
24,357
50,888
19,237
64,275
2,834
3,306
21,057
21,085
2,624
1,304
14,980
204
288
986
1,057
479,733
258,634
846,842
45,339
64,709
255,491
274,381
246,890
133,354
444,833
24,818
32,910
131,510
129,052
18
199
108
55
28
60
68
260,073
997,430
813,951
1,186,091
565,260
731,494
325,699
957,873
1,122,660
47,741
188,401
137,202
291,472
105,579
190,995
63,686
283,080
193,734
189,364
777,736
642,881
824,933
427,062
498,893
242,340
620,100
846,179
7,821
6,540
1,777
31,509
14,485
25,575
11,098
34,627
56,178
13,897
22,055
30,349
35,307
16,634
14,659
8,098
18,364
24,529
1,250
2,225
1,721
2,567
1,271
1,372
472
1,638
2,040
66,339
254,090
239,211
352,755
166,311
255,376
121,413
328,082
376,646
32,346
147,279
148,231
171,708
72,461
118,062
48,753
152,224
179,815
114
82
84
29
779,026
1,112,476
803,321
221,235
174,099
281,346
167,776
44,290
562,319
724,580
548,347
147,214
73
80
12
14
20,297
78,467
67,374
26,075
20,493
24,764
18,475
3,233
1,745
3,239
1,337
409
235,913
393,995
250,296
79,841
131,105
191,808
124,150
31,193
66
43
217
545
393,408
64,923
288,197
935,793
201,008
653,286
935.109
191,672
668,383
3,638,318 1,093,216 2,375,568
140
266
27,106
67,190
62,025
127,778
12,402
12,214
11,406
35,259
640
1,829
1,602
6,494
153,938
310,733
419,491
1,666,733
6.7,806
167,245
173,328
720,250
3,625
1,438
2,820
20,012
2,670
1,528
2,117
515
426
298
198
940
174
288
499
124
103,181
77,399
47,198
270,209
62,975
78,571
103,586
26,105
26,549
10,038
168,131
2,114
1,148
15,528
77
26
38
92
29
6
34
6
55
33
112
Mutual Savings Banks1.
324,936
284,100
125,415
727,407
158,421
258,911
355,799
125,263
44,706
46,338
27,456
133,491
46,109
71,732
93,059
25,469
21
65
155
473
21
303
229
21
3
270,937
231,329
91,503
558,960
103,797
182,841
249,862
93,630
296
4
5,020
4,360
3,438
13,993
5,671
2,522
9,966
5,521
1,534,535
357,336 1,048,488
1,015,601
187,284
760,793
10,026,229 2,254,469 7,133,295
30
7
1,842
100,018
56,331
452,964
13,939
2,2#
222
337
120,612
277
10,450
53,073
39,315
20,226
126,693
25,453
36,725
56,560
15,948
415,853
245,195
255,313
155,926
2,332,983 1,473,463
2,252
J,242
STATES LOCATED IN TWO F E D E R A L RESERVE DISTRICTS—CONDITION
Connecticut—Dist. No. 2..
N e w J e r s e y — D i s t . N o . 2...
Kentucky—Dist. No. 4
P e n n s y l v a n i a — D i s t . N o . 4.
West Virginia—Dist. N o . 4
Louisiana—Dist. No. 6
Mississippi—Dist. No. 6 . . .
Tennessee—Dist. No. 6 . . . .
Indiana—Dist. No. 7
Illinois—Dist. No. 7
Michigan—Dist. No. 7
Wisconsin—Dist. No. 7
M i s s o u r i — D i s t . N o . 10
N e w M e x i c o — D i s t . N o . 10.
Oklahoma—Dist. No. 10...
A r i z o n a — D i s t . N o . 12
1
17
207
58
228
13
31
18
68
176
344
187
127
47
. 9
206
5
239,313
46,259
186
2,890,356
516,716 2,138,
239,885
44,763
184
2,646,936
449,309 1,917
92,277
23,584
59
752,921
170,536
518,
188,250
38,934
123,
735,811
152,652
516,
1,437,964
230,506 1,104,
7,849,225 1,712,502 5,596,
3,408,013
639,625 2,530,
1,483,015
216,820 1,185,
883,230
210,073
603,
101,708
31,256
63,
919,334
187,339
658,
65,610
222,672
153,
12
1,079
59
1,519
40
14
80
285
728
1,333
440
411
21
1,063
105,862
6,562
57,219
3,235
53,363
22,653
50,000
54,598
254,051
116,143
32,914
45,074
4,582
60,224
1,760
5,392
117,236
3,679
192,371
5,275
9,654
2,999
13,964
45,855
272,446
114,859
45,406
20,808
2,595
T h e s e b a n k s , t w o in W i s c o n s i n a n d one in I n d i a n a , a r e i n c l u d e d in t h e figures f o r t h o s e S t a t e s .
11,211
1,528
533
11,393
590
28,962
315
1,002
347
2,561
2,013
12,884
5,189
2,148
3,741
104
1,573
255
51,279
25,070
553.621
302,698
69,831
33,834
676,568
402,542
21,375
9,752
242,562
141,166
67,894
26,025
250,014
116,651
414.622
211,840
2,064,619 1,242,938
773,589
447,906
378,480
202,387
379,632
176,396
31,081
14,474
410,095
170,656
71,617
33,226
*5
OF BANKS O N JUNE 29, 1946, BY STATES
A S S E T S [In t h o u s a n d s of dollars]
bank balances
Demand
balances
Balances
Other
with
with
b a n k s in b a l a n c e s
b a n k s in
with
(J. S. (exforeign
banks
cept priin U . S . c o u n t r i e s
vate
banks,
etc.)
5,734,475
37,100
5,132,739 786,748
33,542
108
7
20
1,218
250
503
153
15
28
2,291
546
129
250,717
183,880
372,826
3,619
553
2,841
20,373
21
1,212
264,703
162,205
479,635
176,501
131,947
1,858
970
1,799
773
233
349
37
775
931
19
134,210
89,244
213,751
15,524
25,303
87,016
126,382
463
10
1,235
4
908
243
64
348
150
2
40
1,033
165
5
457
370
610
65,377
150,869
87,612
39,897
250
1,943
787
47
66,057
83,835
206,685
722,588
64
303
1,810
2,327
37,464
26,712
22,255
102,745
31,756
30,585
25,979
4,832
192
431
7
3,645
150
5
187
135
85,520
41,858
322,010
938
354
3,881
38
71
9
293
27
776'
17
366
426
166
3,178
Other
real
estate
owned
Assets
indirectly
representing
real
estate
Customers'
liability
on
acceptances
Income
accrued
but not
collected
16,898
63,512
90,688
229,042
10,078
1,154
43
5,003
1,617
5,892
54,146
336
6,204
77,942
8,648
13,796
20,436
2,596
15,176
35,480,117
4,247,809
9,346,414
933
88
1,044
590
302
508
46
3,228
73
151
10,057
2,650
19,862
7,591
2,672
3,091
1,263
4,768
2,510
2,300
6,497,505
2,152,650
10,642,793
4,372,833
2,071,587
3,975
183
66
843
4,548
540
546
1,180
738
1,152
430
2,977
35
199
421
734
2,156,282
1,177,546
3,402,002
227,654
288,323
981,877
1,018,522
407
2,095
1,088
1,500
365
1,614
322
2,157
2,659
82
1,708
2,932
1,883
772
1,545
1,253
715
328,888
1,264,202
1,072,089
1,555,574
738,557
995,555
451,044
1,299,490
1,514,781
1,165
1,989
1,554
21
381
1,075
1,832
182
1,021,492
1,521,458
1,065,502
303,457
236
2,272
998
2,536
376
1,321
399
1,635
550,322
1,263,119
1,364,436
5,353,367
738
8
84
1,369
18
877
15
451
37
831
37
709
30
316
539
195
430,898
363,703
173,434
1,002,224
222,500
340,295
462,711
152,828
3,548
3,544
27,328
285
854
9,588
1,962,699
1,282,389
12,492,075
2,232,208 217,458
79,704 39,824
248,242 82,152
2,747
1,155
2,205
190,192
42,833
341,690
107,842
51.071
44,711
223
69
739
60
9
81,6Q4
20,488
164,549
2,756
3,147
30,075
10,040
6,417
4,236
11,653
1,095
I,483
4,240
4,391
II,281
1
39
3,323
50
2,262
441
158
681
9
1,500
751
460
43
10,828
35,197
27,008
57,817
14,130
54,431
11,959
86,133
37,726
1,257
8,365
13,407
12,262
5.230
5,431
2,027
9,685
II,685
232
159
52
38
326
301
26,940
31,253
29
206
178
7
62
722
4,704
4,978
10,871
7,089
2,078
784
510
93
11,959
45.072
24,822
165,086
2,286
9,130
6,467
35,076
45
175
17
!,636
30
1,548
1,275
5,293
3
2,147
680
1,140
6,831
6,208
1,668
26,903
1,542
6,018
16,886
2,566
2,006
1,363
700
2,527
772
1,370
1,789
813
60,347
44,275
447,914
8,192
6,875
64,433
22,611
2
119
62
34
1
91
2
358
131,400,309
371,140
207,716
141,064
4,297,863
665,193
1,104,330
332
55
5
1,297
1,547
33,307
19,495
11,100
102,308
Total
328
113
49
10,305
270
362
99
28
10
276
341
298
1,816
Other
370
3
170
8,538
1,693
1,051
I,645
1,101
32,142
6.229
12,808
9,596
6,440
3,187
167,263
14,944
36,034
17,911
13,373
7,300
107,475
16,993
74,515
20,329
55,095
47,237
99,174
66,346
72,131
52,802
76,999
138,315
Cash
i t e m s in
process
of collection
Bank
premises,
furniture,
and
fixtures
407
100
114
29
1
165
188
949
24,374
195
200
6,782
1,281
16,255
64
State
Total, all States
New England:
Maine
New Hampshire
Vermont
Massachusetts
Rhode Island
Connecticut
Middle Atlantic:
New York
New Jersey
Pennsylvania
East North Central:
Ohio
Indiana
Illinois
Michigan
Wisconsin
West North Central:
Minnesota
Iowa
Missouri
North Dakota
South D a k o t a
Nebraska
Kansas
South Atlantic:
Delaware
Maryland
D i s t r i c t of C o l u m b i a
Virginia
West Virginia
N o r t h Carolina
South Carolina
Georgia
Florida
East South Central:
Kentucky
Tennessee
Alabama
Mississippi
West South Central:
Arkansas
Louisiana
Oklahoma
Texas
Mountain:
Montana
Idaho
Wyoming
Colorado
New Mexico
Arizona
Utah
Nevada
Pacific:
Washington
Oregon
California
Mutual Savings
Banks
OF BANKS LOCATED I N F E D E R A L R E S E R V E D I S T R I C T S P E C I F I E D
12,468
145,303
28,694
147,203
7 / "
51,581
34,000
104,807
136,227
421,658
165,643
109,757
109,988
13,261
200,630
28,480
31
460
250
556
30
303
47
1,910
907
1,786
697
206
1,185
150
1,790
110
21
27
37
775
929
19
107
9,542
67,702
2,012
87,071
2,120
39,105
4,492
13,357
39,200
327,287
106,530
49,192
85,001
1,047
24,714
5,166
4,301
31,115
2,173
32,188
529
7,152
1,791
7,201
8,998
29,792
18,373
10,064
3,172
536
6,303
1,249
40
312
110
895
1,473
184
1,944
106
171
4
202
50
668
56
9
333
119
17
62
1,394
2,147
93
682
46
3,101
73
151
10
165
680
2
88
1,038
590
301
400
1,275
188
216
7,531
94
5,800
205
1,893
11
1,565
2,502
19,408
7,568
2,435
1,387
18
998
877
1,793
104
2,336
128
825
142
487
984
4,445
2,485
2,213
767
390
254
295,347
3,487,096
312,087
3,366,062
114,514
1,009,065
258,185
995,964
1,865,254
9,972,296
4,210,747
1,876,668
1,268,931
133,627
1,339,092
296,919
Connecticut—Dist. No. 2
New Jersey—Dist. No. 2
Kentucky—Dist. No. 4
Pennsylvania—Dist. No. 4
West Virginia—Dist. No. 4
Louisiana—Dist. No. 6
Mississippi—Dist. No. 6
Tennessee—Dist. No. 6
Indiana—Dist. No. 7
Illinois—Dist. No. 7
Michigan—Dist. No. 7
Wisconsin—Dist. No. 7
M i s s o u r i — D i s t . N o . 10
N e w M e x i c o — D i s t . N o . 10
O k l a h o m a — D i s t . N o . 10
A r i z o n a — D i s t . N o . 12
16
ALL MEMBER BANKS- -ASSETS AND LIABILITIES OF BANKS
L I A B I L I T I E S [In thousands of dollars]
Demand deposits
State
Total
Total, all States .
New England:
Maine
New Hampshire
Vermont
Massachusetts
Rhode Island
Connecticut
Middle Atlantic:
New York
New Jersey
Pennsylvania
East North Central:
Ohio
Indiana
Illinois
Michigan
Wisconsin
West North Central:
Minnesota
Iowa
Missouri
North Dakota
South Dakota
Nebraska
Kansas
South Atlantic:
Delaware
Maryland
District of Columbia..
Virginia.....
West Virginia
North Carolina
South Carolina
Georgia
Florida
East South Central:
Kentucky
Tennessee
Alabama
Mississippi
West South Central:
Arkansas
Louisiana
Oklahoma
Texas
Mountain:
Montana
Idaho
Wyoming
Colorado
New Mexico
Arizona
Utah
Nevada
Pacific:
Washington
Oregon
California
Individuals, partnerships,
and corporations
United
States
Govern
ment
States
and political
subdivisions
Time deposits
Banks
United
States
Banks
in
foreign
countries
Certified
and
officers'
checks,
etc.
Total
States
IndividBanks
and
uals,
United
in
partner
States Postal politi- Banks forcal
in
ships, and Govern- savings
eign
sub- U. S.
corporament
divitions
tries
sions
96,331,901 65,588,767 12,008,886 4,826,211 10,390,585 1,338,924 2,178,528 26,186,645 25,567,562
207,193
149,797
145,701
107,999
65,978
53,814
3,262,639 2,251,891
416,000
315,746
785,133
585,854
29,715
18,108
7,135
496,779
61,74'
111,889
29,057,645 18,884,302 3,926,431
2,336,094 1,708,039
347,997
6,219,50" 4,585,852
771,927
4,103,642
1,516,391
7,902,914
2,466,708
1,270,144
2,900,816
628,586
1,046,096
169.438
5,181,281 1,067,094
1,765,065
338.439
804,198
196,960
12,727
7,853
2,366
135,299
19,278
38,771
9,829
7,075
1,075
298,529
11,728
26,463
558
312
180
2,363
715
1,274
692,902 3,184,010 1,179,907 1,190,093 3,375,317 3,291,907
194,663
40,202
336
44,857 1,643,984 1,635,571
174,378
617,434
11,689
58,227 2,220,151 2,144,078
20,012
3,079
3,157
225,553
274,782
176,504
105,344
401,796 1,150,751
165,932
150,154
101,631
147,922
102,664
291,750
15,814
18,102
85,755
67,909
131,640
106,090
101,036
5,601
23,775
41,044
101,394
304,357
114,378
730,647
10,541
9,400
159,712
96,879
270,969
893,106
802,62
1,055,403
504,206
806,708
371,499
1,035,838
1,212,721
633,828
744,941
373,658
492,201
283,878
636,447
864,813
44,701
124,278
103,862
133,599
60,743
83,486
31,347
127,005
99,438
1,390
63,704
47
44,740
31,306
96,232
35,523
91,138
96,597:
2,761
94,951
42,763
117,613
31,026
123,950
16,003
175,684
137,588
808,780
1,142,868
803,854
233,398
535,945
685,920
556,643
142,130
88,620
111,044
82,592
21,437
26,036
90,783
88,897
30,802
130,558
245,668
69,981
37,893
447,978
317.113
992,289
625,372
1,194,598
789,053
4,638,228 3,245,369
30,267
90,808
103,076
382,610
43,650
99,430
122,731
258,750
53,479
161,212
165,809
701,142
248,012
220,337
99,750
573,097
135,294
210,896
237,919
77,135
25,886
15,799
8,092
70,644
10,754
16,922
24,561
AMI
33,865
28,659
14,047
33,145
23,985
24,942
23,772
12,862
23,132
4,708
8,324
78,104
10,272
2,866
37,727
788
1,377,400
984,304
872,790
661.114
7,492,292 5,625,689
184,558
107,763
841,514
108,416
48,291
392,238
76,550
37,339
351,482
334,787
272,136
131,656
762,876
183,269
262,531
326,813
101,490
217,730
602,611
135,397
43,955
62,221
677,717
198,692
235,469
134,409
43,522
61,705
674,791
197,609
234,048
1,546,655
870,441
872,538
541,090
2,722,693 1,569,320
165,450
131,923
221,926
168,539
832,783
539,206
881,057
606,299
221,260,
5,106
4,666
1,588
56,782
6,333
22,156
97,413
23,359
1,168
2,717
80
24,350
4,397
332
1,912
"6,250
1,228
111
23
2,234
15
401
8,414
5,696
817
5
2,358
622
52,122
Mutual Savings Banks.
7
57
3
156
50
25
368
64
333
337
18
122
70
300
34,259 3,539 25,600
5,217
117
68,754 3,696
71,188 2,000,438 1,921,315
18,929
524,907
520,045
77,642 2,116,239 2,046,563
42,721 1,678,638 1,668,448
19,101
680,694
678,275
274
717
2,354
3,846
421
330 75,509 3,010
310
27 3,
116 67,187
19
63 5,191 1,090
39 1,292
667
17,045
8,316
23,690
1,571
676
2,404
1,144
121
7,056
8,576
483,384
244,584
485,390
52,073
52,873
102,389
89,527
479,951
242,045
480,485
51.846
51,918
102,217
87.847
1,496
4,387
6,334
13,801
14,399
7,473
10,839
4,748
5,541
12,051
24,625
295,189
202,398
400,012
181,742
133,794
60,572
194,535
^27,593
24,601
288,603
201,373
383,592
179,769
128,415
59,037
192,316
209,118
1,000
7,161
957
4,243
340
1,944
2,113
27,621
9,438
5,340
1,136
140,590
299,230
202,598
54,901
137,272
288,698
200,642
53,506
2,551
4,109
803
1,385
666
85
764 5,601
181
955
3,469
7,053
13,929
44,661
75.669
209,129
92,308
435,616
73,395
203,826
84,996
390,349
2,030
502
390
4,892
19
145
69 4,027
705
95 4,396 2,431
380 39,069
926
77,090
76,304
76,906
76,073
32,216
31,933
190,451
187,232
31,152 . 31,026
64,913
64,887
112,844
112,132
44.670
44,542
302
717
87
15
525
101
5
105
98
81
281 2,918
6
16
5
57
110
27
21,214
498,382
495,240
17,661
349,370
344,003
229,247 4,374,111 4,256,087
2,588
94
11,469
25
4
525
15 5,103
155
362 100,520 5,673
2,110
8,326
3,358 446,607 46,105 25,600
3,892
2,633
1,443
7,860
2,964
6,088
2,829
2,724
52
122
121
75
5
4
24
40
16
1,760
60
3,565
222
899
15
11
876
11
133
1,467 3,285
1,821
8,302
324
296
857
110
938
636
832
331
130
14,202 2 , 1 1 0
10
471
102
14,905
STATES LOCATED I N TWO F E D E R A L R E S E R V E D I S T R I C T S — C O N D I T I O N
Connecticut—Dist. No. 2..
New Jersey—Dist. No. 2...
Kentucky—Dist. No. 4
Pennsylvania—Dist. No. 4.
West Virginia—Dist. No. 4.
Louisiana—Dist. No. 6
Mississippi—Dist. No. 6 . . .
Tennessee—Dist. No. 6 . . . .
Indiana—Dist. No. 7
Illinois—Dist. No. 7
Michigan—Dist. No. 7
Wisconsin—Dist. No. 7
Missouri—Dist. No. 10
New Mexico—Dist. No. 10.
Oklahoma—Dist. No. 10...
Arizona—Dist. No. 12
185,241
1,868,422
227,873
2,230,753
65,459
788,599
195,326
732,282
1,314,597
7,448,398
2,395,502
1,167,032
1,105,681
102,973
1,172,177
232,048
136,116
1,367,010
191,648
1,685,216
47,047
478,803
111,723
447,750
898,025
4,875,014
1,713,471
728,716
542,809
65,396
771,927
186,685
30,285
294,671
18,687
242,799
12,253
74,606
18,988
79,573
149,046
,026,148
328,663
183,918
82,213
7,620
101,862
14,426
8,524
128,417
9,765
50,591
2,671
89,177
26,523
59,558
159,094
367,138
158,029
92,478
48,055
19,123
119,286
22,210
5,955
37,796
2,586
233,375
2,264
133,158
37,073
137,659
91,106
,082,464
149,550
144,007
422,293
8,720
165,535
2,765
336
1,018
8,414
80
24,350
4,393
332
1,327
817
4,361
89,757
89,600
40,192 1,401,624 1,395,784
5,187
63,185
62,971
17,754
754,442
728,882
1,224
34,133
33,408
4,441
170,416
165,123
1,019
50,052
48,657
7,742
212,257
201,867
17,246
455,058
450,306
73,284 1,936,812 1,885,319
41,396 1,597,781 1,587,898
17,581
598,506
596,225
8,984
103,772
103,641
2,114
25,721
25,604
13,567
90,809
83,512
5,145
53,430
53,404
73
1,887
7
225
502
1,385
4,109
717
2,340
3,833
417
71
100
390
15
69
3,851
102
1
161
45
234 21,653 3,448
5
304
416
59 4,027
705
10
56
747 5,478
280
12 3,743
34 49,119
8 4,952 1,090
34 1,163
667
16
4
40
11
6
95 4,396 2,416
5
16
5
17
ON JUNE 29, 1946, BY STATES
L I A B I L I T I E S A N D C A P I T A L A C C O U N T S [In thousands of dollars]
Bills
payable
and
other
borrowed
money
Acceptances
outstanding
72,240
108,372
Other
liabilities
781,375
Total
liabilities
Capital
Surplus
Undivided
profits
1,320
934
28,061
3,692
4,805
1,181
158,034
150,810
27,422
114,078
108.790
17,602
54,581
48,655
12,262
316,808 2,495,564 2,276,709
326,413
44,866
324,366
610,747
76,668
564,282
424,306 137,455
36,823 17,887
115,759 49,877
2,540,137 22,687,072 18,535,089
250,671 1,731,978 1,867,855
859,609 4,831,485 4,570,215
10,515
5,761
4,721
100,185
15,445
28,620
10,257
7,291
4,116
137,188
20,921
31,357
5,330
3,616
2,244
51,374
4,808
1,500
11,443
1,175
55
30,541
1,550
673
62,961
336
8,143
413,516
15,174
38,331
32,939,980
3,997,138
8,486,805
741,839 1,236,537
97,121
98,840
471,487
222,486
1,315
508
36
4,974
73
151
30,459
4,182
43,487
14,759
4,801
6,136,362
2,045,516
10,067,614
4,163,378
1,962,290
145,444
38,915
206,826
75,804
38,573
141,068
40,634
222,348
79,927
38,986
46,977
183
66
843
9,296
1,637
10,956
530
608
1,951
1,514
2,039,518
1,118,825
3,231,082
218,053
275,407
937,138
972,248
38,365
19,065
72,097
3,446
4,763
16,780
17,655
49,558
24,702
52,839
3,412
4,897
15,314
17,530
1,168
296,762
1,191,984
1,010,433
1,461,675
689,866
945,388
433,259
1,235,900
1,446,092
8,417
150
11,886
18,592
9,967
38,812
I,938
2,244
8,496
9,271
10,249
4,987
7,172
805
937,522
116,764 1 , 1 1 1 , 0 1 0
635,008
661,570
58,721
170,920 2,054,429 1,529,497
136,339
131,909
9,601
191,277
176,421
12,916
557,231
630,808
44,739
706,229
46,274
679,654
4,8C9
10,626
19,800
35,370
18,457
15,215
6,325
22,352
26,600
18,729
32,826
28,350
36,164
21,076
24,993
7,092
26,020
30,817
32,126
72,218
61,656
93,899
48,691
50,167
17,785
63,590
68,689
195,840
680,612
635,978
772,515
364,186
597,861
277,303
749,213
940,537
212,679
637,452
620,668
746,263
398,307
544,841
312,190
646,993
935,735
60,452
73,764
55,045
14,576
629,875
850,843
613,351
168.791
562,662
754,888
628,269
169,364
1,012
4,149
1,818
925
2,000
100
284
750
114
29
5,413
4,999
8,128
784
510
93
3,270
4,812
3,495
489
961,040
1,447,694
1,010,457
22,295
25,864
18,686
6,001
29,340
33,988
22,506
7,281
6,836
11,125
9,784
880
1,981
2,787
4,069
414
3
3,342
680
1,236
972
4,165
2,913
10,786
524,622
1,209,425
1,290,499
5,085,866
8,353
19,153
25,282
105,889
10,624
25,015
28,597
103,560
5,369
7,566
15,697
43,809
1,354
1,960
4,361
14,243
561
842
206
2,078
142
1,365
1,227
412,438
349,884
164,078
955,606
214,728
328,809
441,384
147,044
7,505
5,335
2,830
13,629
3,071
4,625
7,534
2,125
6,460
4,722
3,862
17,747
2,761
4,978
8,338
2,065
3,798
2,505
2,078
II,311
443
1,198
3,704
1,549
697
1,257
586
3,931
1,497
685
1,751
45
6,765
4,291
68,322
1,882,742
1,226,651
11,944,294
26,290
15,323
227,574
28,213
23,027
208,619
14,707
13,116
92,888
10,747
4,272
18,700
8,400
200
1
165
195
200
9,269
1,188
48
3,007,365
1,198,696
5,319,029
1,865,876
873,859
361,143
107,134
575,179
209,455
109,297
80,573
30,501
20,745
171
6,646
2,244
6,377
2,217
3,574
1,177
6,108
3,144
ioo'
3,025,516
1,146,
6,021,306
1,846,843
894,446
27,654
5,359
65,432
23,223
10,993
22,226
3,284
5,408
5,235
1,918
4,502
405
N e t de
Demand
m a n d de- deposits
posits
adjusted
subject to (see footreserve
note on
(see
page 1;
page 18)
7,919,776 73,645,654 67,460,767
343,718
190,114
128,802
3,981,055
620,327
1,027,662
3,200
6,500
Total
capital
accounts
123,480,533 2,628,165 3,505,260 1,271,291 515,060
338
488
27,555
4,460
5,505
1,128
120
115
1,701
Other
capital
accounts
22,120
11,262
15,988
6,941
6,385
3,191
9,110
25
1,147
14,957
352,273
340,511
25,700
686,783
774,521
53,694
900,891
73,937
862,753
267,501 3,377,184 3,383,694
18,460
13,819
9,356
46,618
7,772
11,486
21,327
5,784
265,036
224,055
100,198
564,857
140,253
209,430
261,147
87,026
278,938
245,421
113,572
587,199
160,701
235,908
247,634
90,155
79,957 1,050,934 1,053,587
682,791
680,350
55,738
547,781 5,906,972 5,799,260
1,298
State
T o t a l , all States
N e w England:
Maine
N e w Hampshire
Vermont
Massachusetts
Rhode Island
Connecticut
Middle Atlantic:
N e w York
N e w Jersey
Pennsylvania
E a s t N o r t h Central:
Ohio
Indiana
Illinois
Michigan
Wisconsin
West North Central:
Minnesota
Iowa
Missouri
North D a k o t a
South D a k o t a
Nebraska
Kansas
'
South A t l a n t i c :
Delaware
Maryland
D i s t r i c t of Columbia
Virginia
West Virginia
N o r t h Carolina
South Carolina
Georgia
Florida
E a s t South Central:
Kentucky
Tennessee
Alabama
Mississippi
West South Central:
Arkansas
Louisiana
Oklahoma
Texas
Mountain:
Montana
Idaho
Wyoming
Colorado
N e w Mexico
Arizona
Utah
Nevada
Pacific:
Washington
Oregon
California
Mutual Savings
Banks
OF B A N K S L O C A T E D I N F E D E R A L R E S E R V E D I S T R I C T S P E C I F I E D
100
1,050
400
294
2,000
500
3,200
6,500
52
312
106
3,342
93
682
36
4,847
73
151
10
165
680
1,298
13,419
420
15,982
635
3,178
475
3,030
3,840
42,470
14,574
4,560
2,239
112
2,894
1,205
276,448
3,284,827
291,878
3,001,577
102,227
966,035
245,946
948,251
1,773,531
9,432,527
4,011,130
1,776,749
1,211,702
128,971
1,266,560
286,683
7,695
79,091
7,760
68,168
4,290
14,971
4,986
18,002
32,600
194,029
71,998
34,765
21,645
1,931
24,722
4,375
7,024
81,120
8,837
235,324
6,190
19,803
6,187
21,279
35,486
209,657
76,416
35,635
18,865
1,534
28,129
4,128
2,376
29,239
2,859
32,185
1,280
6,491
698
6,634
19,218
73,415
28,411
19,319
14,426
191
15,395
1,048
1,804
12,819
753
28,808
527
1,765
368
1,798
4,419
62,668
22,792
10,200
2,293
1,000
4,286
685
18,899
202,269
20,209
364,485
12,287
43,030
12,239
47,713
91,723
539,769
199,617
99,919
57,229
4,656
72,532
10,236
133,309
1,367,497
178,876
1,756,149
43,886
624,813
139,132
535,516
994,483
5,679,291
1,797,218
828,302
829,042
81,680
847,686
184,400
139,459
1,467,917
204,588
1,666,490
48,822
533,316
134,773
501,693
1,035,165
4,988,149
1,806,366
789,583
514,847
85,586
880,066
208,874
Connecticut—Dist. N o . 2
New Jersey—Dist. N » . 2
Kentucky—Dist. No. 4
Pennsylvania—Dist. No. 4
West Virginia—Dist. N o . 4
Louisiana—Dist. N o . 6
Mississippi—Dist. N o . 6
Tennessee—Dist. N o . 6
Indiana—Dist. No. 7
Illinois—Dist. N o . 7
Michigan—Dist. N o . 7
Wisconsin—Dist. N o . 7
Missouri—Dist. N o . 10
N e w M e x i c o — D i s t . N o . 10
Oklahoma—Dist. N o . 10
A r i z o n a — D i s t . N o . 12
i8
ALL M E M B E R B A N K S - R E S E R V E P O S I T I O N O N J U N E 2 9 , 1 9 4 6
[In thousands of dollars]
Ratio of
total
reserves
to net
demand
plus time
deposits
(per cent)
Ratio of
required
reserves
to net
demand
plus time
deposits
(per cent)
96,331,901 11 ,820,314 10,865,933 73,645,654 26,186,645 16,000,610 14,977,174 1,023,436
16.0
15.0
31,370,736 4,248,021 2,591,249 24,531,466 2,205,945 5,125,074 5,038,650
35,445,968 4,460,174 3,924,204 27,061,590 10,447,102 6,332,090 6,039,144
29,515,197 3,112,119 4,350,480 22,052,598 13,533,598 4,543,446 3,899,380
86,424
292,946
644,066
19.2
16.9
12.8
18.8
16.1
11.0
Gross
demand
deposits
All member banks...
Central reserve city banks.
Reserve city banks
Country banks
All member banks, by districts:
Boston
N e w York
Philadelphia
Cleveland
Richmond
Atlanta
Chicago
St. Louis
Minneapolis
Kansas City
Dallas
San Francisco
Central reserve city banks:
N e w York
Chicago
Reserve city banks, by districts:
Boston
N e w York
Philadelphia
Cleveland
Richmond
Atlanta
Chicago
St. Louis
Minneapolis
Kansas City
Dallas
San Francisco
Country banks, by districts:
Boston.
N e w York
Philadelphia
Cleveland
Richmond
Atlanta
Chicago
St. Louis
Minneapolis
K a n s a s City
Dallas
San Francisco
Deductions allowed
in computing
reserves
War loan
and Series
E bond
accounts
Other 1
,697,403
685,317
452,928
111,308 4,205,502 2,717,928
727,395
623,209
468,529
894,040
627,727
729,260
368,090
499,742
583,779
768,620
469,320
696,738
198,067 1,772,862 1,464,341
750,865
399,846
494,996
443,136
299,913
343,078
413,559
989,203
841,719
975,118
395,672
953,884
674,969 1,161,332 1,118,753
Net
demand
deposits
subject to
reserve
Reserves with Federal
Reserve B a n k s
Time
deposits
Total2
Required 3
Excess
559,158
187,878
635,657
004,427
284,569
602,562
960,864
856,023
800,145
733,925
625,562
394,884
1,263,694
707,356
675,312
4,866,698 5,096,154 4,931,179
1,732,694
806,085
732,806
2,852,198 1,163,489 1,059,050
1,239,574
696,742
637,298
1,057,451
740,031
668.338
4,832,741 2,238,425 2,117,695
875,790
610.154
544,740
828,465
390,055
349,898
634,885
769,007
690.339
492,742
763,479
646,666
5,509,713 2,019,633 1,923,853
32,044
164,975
73,279
104,439
59,444
71,693
120,730
65,414
40,157
78,668
116,813
95,780
14.7
17.5
15.0
14.8
15.4
15.9
15.1
16.4
14.8
17.6
18.5
14.5
14.0
17.0
13.7
13.5
14.1
14.3
14.3
14.6
13.3
15.8
15.7
13.8
059,876 3,461,211 2,167,299 20,431,366
310,860
786,810
423,950 4,100,100
1,424,486 4,255,287 4,171,742
781,459
869,787
866,908
83,545
2,879
19.5
17.8
19.1
17.8
191.195
590,302
562,435
085,558
244,894
227,913
201,477
037,711
112,435
872,093
471,945
848,010
340,109
78,134
355,172
578,260
282,389
253,746
575,084
267,670
169,638
286,541
255,407
1,018,024
164,286
62,302
209,730
385,661
244,434
298,631
506,335
230,883
139,969
427,273
391,156
863,544
1,686,800
188,032
352,085
348,642
449,866
297,711
112,222
107,836
1,997,533
209,384
423,529
412,070
3,121,637 1,211,205
727.155
697,000
1,718,071
443,330
384,311
370,214
1,675,536
395,061
376,487
358,811
3,120,058 1,909,609
769,684
738,588
1,539,158
315,733
360,288
326,776
802,828
163,012
175,883
170,346
2,158,279
341,826
479,532
452,165
1,825,382
314,168
432,588
383,926
6,966,442 4,658,031 1,738,326 1,672,770
3,443
4,386
11,459
30,155
14,097
17,676
31,096
33,512
5,537
27,367
48,662
65,556
18.8
15.0
19.2
16.8
17.8
18.2
15.3
19.4
18.2
19.2
20.2
15.0
18.6
• 14.4
18.7
16.1
17.1
17.3
14.7
17.6
17.6
18.1
17.9
14.4
506,208
461,130
164,960
542,169
123.196
540,707
685,730
713,154
330,701
117,110
503,173
826,959
345,208
666,157
268,037
315,780
217,353
215,574
410,968
132,176
130,275
127,018
140,265
143,308
288,642
488,327
258,799
343,599
339,345
398,107
534,056
264,113
203,109
414,446
562,728
255,209
1,872,358
3,306,646
1,638,124
1,882,790
1,566,498
1,927,026
2,740,706
1,316,865
997,317
1,575,646
1,800,180
1,428,442
28,601
77,044
61,820
74,284
45,347
54,017
86,755
31,902
34,620
51,301
68,151
30,224
12.1
11.3
12.1
12.4
13.2
14.0
12.3
13.3
12.9
15.5
16.7
12.3
11.1
10.1
10.1
10.3
11.3
12.0
10.5
11.6
10.8
12.7
13.3
11.0
1,075,662
3,144,501
1,523,310
1,640,993
796,244
662,390
2,141,673
560,057
665,453
293,059
178,574
851,682
355,271
728,645
382,556
436,334
312,431
363,544
598,954
249,866
214,172
289,475
330,891
281,307
326,670
651,601
320,736
362,050
267,084
309,527
512,199
217,964
179,552
238,174
262,740
251,083
1 D e m a n d balances with banks in United States, except private banks and American branches of foreign banks, plus cash items in process of collection
The difference between the figures shown in this column and the figures shown against the corresponding captions under " A s s e t s " is accounted for bv an
excess of allowable deductions over gross demand deposits at a number of banks.
2 As reported by member banks. These figures differ from those shown by the Federal Reserve Banks' books because of a lack of synchronization of
entries on the books of the Federal Reserve Banks and the member banks.
. 3 Reserves actually required are based on deposits at opening of business. T h e figures in this column, therefore, represent the reserves required to be
maintained on the business day following the call date. Pursuant to the provisions of law, the Board of Governors of the Federal Reserve System prescribed the following requirements as to reserves to be maintained by each member bank effective Oct. 3, 1942: Time deposits—6 per cent for all member
banks; N e t demand deposits—20 per cent for Central reserve city banks, 20 per cent for Reserve city banks, and 14 per cent for Country banks.
ALL M E M B E R B A N K S - P L E D G E D ASSETS A N D S E C U R E D A N D P R E F E R R E D L I A B I L I T I E S O N J U N E 29, 1 9 4 6
(In thousands of dollars]
Central reserve city
member banks
N e w York
Chicago
Reserve
city
member
banks
4,556,415
1,075,920
8,643,046
4,391,805
4,573
1,071,402
8,350,922
221,688
6,909,267
192,167
20,723,396
418,428
14,118,001
356,174
6,605,395
62,254
104,369
55,668
4,097
421
54,807
15,629
67,819
2,082
231,092
73,800
107,997
13,409
123,095
60,391
4,647,544
1,071,761
6,920,418
5,020,207
17,659,930
11,204,696
6,455,234
D e p o s i t s secured b y pledged assets
3,889,643
Borrowings secured by pledged assets
27,000
Other liabilities secured by pledged assets
16
D e p o s i t s preferred under provisions of law b u t n o t secured
by pledge of assets
730,885
1,071,527
6,787,084
26,784
4,899,164
18,456
19
16,647,418
72,240
42
11,180,249
24,441
6
5,467,169
47,799
36
234
106,543
102,568
940,230
Pledged assets (and securities loaned)—Total
9
U n i t e d States Government obligations, direct and guaranteed pledged to secure liabilities
Other assets pledged to secure liabilities
Assets pledged to qualify for exercise of fiduciary or corporate powers, and for purposes other than to secure
liabilities
Securities loaned
Securities and preferred liabilities—Total
Country
member
banks
7,171,335
member
banks
All
All
national
member
banks
All State
member
banks
21,446,716
14,595,581
6,851,135
940,230
STATE MEMBER BANKS—ASSETS AND LIABILITIES ON JUNE 29, 1946, BY FEDERAL RESERVE DISTRICTS
[Amounts in thousands of dollars]
Federal Reserve district
Total
Boston
New
York
ASSETS
Loans and investments
Loans (including overdrafts)
U n i t e d States Government direct obligations
Obligations guaranteed by United States Government
Obligations of States and political subdivisions
Other bonds, notes, and debentures
Corporate stocks (including Federal Reserve B a n k stock)
—
Reserves, cash, and bank balances
35,754, 189 ,363,798 7,719,454
8,833, 629 303,520 4,799,836
24,987, 414 ,006,050 2,195,583
280
2,710
12, 612
11,124
301,878
856 ,348
37,670
343,643
917 ,571
5,154
75,804
146 ,615
9,472 ,258 289,473 4,745,334
5,569 ,964 167,537 2,925,714
353 ,240
20,023
110,799
Reserve w i t h Federal Reserve B a n k s
Cash in v a u l t .
D e m a n d balances w i t h banks in U n i t e d States (except private banks and American
1,395 ,142
branches of foreign banks)
10 ,881
Other balances w i t h banks in U n i t e d States
14 ,588
Balances with banks in foreign countries
2,128 ,443
Cash items in process of collection
2 ,547
D u e from own foreign branches
292 ,925
Bank premises owned and furniture and fixtures
6 ,873
Other real estate owned
16 ,597
I n v e s t m e n t s and other assets indirectly representing bank premises or other real e s t a t e
32 ,646
Customers' liability on acceptances
89 ,464
I n c o m e accrued but not y e t collected
35 ,083
Other assets
Total assets.
55,409
198,177
679
3,402
520
12,349
45,305 1,494,893
2,547
151,073
15,577
1,772
397
3,565
2,664
1,148
27,653
54,351
3,208
1,225
11,777
Philadelphia
Cleveland
Richj
Atlanta
Chicago
611,466 4,172
157,"
772,
394,866 3,040,
175
2,
184,
47,378
9,101
166,
5,
2,078
193,742 996
85,098 563,
59,
9,733
,705,216 ;,747,665
398,786 857,242
,186,671 !, 608,554
495
3,533
98,014
34,516
151,906
74,416
10,332
28,416
423,945 845,418
517,169
266,863
19,595
52,560
,496,446
357,404
,065,657
678
25,081
43,434
4,192
446,139
236,369
24,740
69,948
2,072
5
65,462
158,723
754
171
116,041
110,795
788
29
73,418
75,052
417
5
23,437
277,441
20,994
1,482
4,443
101
4,112
4,148
30,522
407
1,925
286
8,356
3,204
17,883
200
1,967
144
3,116
3,146
6,129
233
20,789
115
1,707
431
7,163
2,946
45,702,582 1,677,490 22,717,526 2,164,441 4,637,783
692
1,205
1,546
1,011
320
94,772
St.
Louis
Minneapolis
Kansas
San
Dallas
City
Francisco
,974
686
354
84
302
776
772
,473
075
906
,255,280
521,243
,644,331
41
49,876
35,373
4,416
600,489
344,810
21,943
84,721 88,224
360
37
101
50,280 5,142
140,846
1,114
931
90,845
,383,448 297,892 636,050
361,290
55,092 143,259
936,628 230,255 442,654
255
1,398
336
36,813
7,679 39,839
39,119
4,122
8,798
1,245
8,200
408
414,989 86,329 261,217
233,515 42,794 119,697
4,801
6,058
15,239
100,995
110
118
65,012
34,811
85
2
3,836
8,277
1,983
1,292
83
1,955
2,208
11
1
295
123
3,091
151
10
1,003
994
2,285
123
146
356
15,013
150
174
2,098
4,554
3,410
,969,041 815,013 5,202,361 1,812,943 385,943 902,516 536,357 2,881,168
LIABILITIES
Demand deposits
Individuals, partnerships, and corporations
U n i t e d States Government: War loan and Series E bond accounts
Other
States and political subdivisions
B a n k s in United States
Banks in foreign countries
Certified and officers' checks, cash letters of credit and travelers' checks, etc.
Time deposits
Individuals, partnerships, and corporations
U n i t e d States Government
Postal savings
States and political subdivisions
B a n k s in United S t a t e s
Banks in foreign countries
Total deposits
D u e to own foreign branches
Bills payable, rediscounts, and other liabilities for borrowed money
Acceptances outstanding
D i v i d e n d s declared but n o t y e t payable
I n c o m e collected but n o t y e t earned
E x p e n s e s accrued and unpaid
Other liabilities
Total liabilities .
33,628
23,122
4,401
32
1,174
3,270
686
940
8,678
8,520
23
104
10
18
42,306
25
47
37
16
20
151,
38,
,108,296
842,716
156,782
1,631
46,120
29,498
947
30,602
434,406
433,302
705
81
218
100
1,542,702
1,300
1,175
598
1,348
7,776
1,948
,282,239 ,642,678 ,824,310 ,417,972
276,881
,100,832
087,433 952,654
166,620
,471,572
246,228 435,569
11,482
1,580
.6,941
747
399,702
104,917
107,395
38,566
,932,524
66,004
148,063
168,377
651,708
18
835
835
714,419
15,150
14,234
45,913
.540,481 327,416 ,423,368 423,563
,485,385
317,306
380,866 415,801
13,897
355
3,546
177
10
32
171
38
19,805
9,682
40,859
3,341
2,584
41
1,295
837
18,800
,822,720 1,970,094 4,247,678 1,841,535
25,870
28,100
484
1,965
200
31,769
101
162
286
11,489
932
343
1,394
8,877
835
1,253
2,174
84,273
7,843
5,703
18,528
21,526
637
1,214
6,481
42,644,491 1,556,847 21,034,624 1,980,926 4,278,506
627,634
430.901
65,809
1,864
53.024
71,871
3,993
139,199
136.122
1.699
075,641
249,902
385,920
1,947
176,383
208,929
1,452
51,108
,852,954
837,472
532
53
14,122
775
766,833 4,928,595
500
692
268
633
1,725
409
6,700
495
599
1,886
10,820
1,351
,379,955
861.286
175,145
1,299
52,253
265,341
4,474
20,157
317,529
312.751
3.196
253,186 767,980
187,334 448,934
20,856 49,654
458
145
28,058 63,248
13,701 199,202
638
4
5,846
3,C88
114,063 88,798
112,864 88,352
38
315
7
31
141
853
260
,698
271
351
356
028
004
201
487
,474
523
6
6
929
10
,788,937
,309,613
201,065
4,529
73,751
143,589
24,857
31,533
964,824
950,502
4
11
10,722
3,585
,697,484 367,249 856,778 511,172 2,753,761
8,400
83
488
974
4,582
1,158
150
10
56
222
46
72
111
1,134
63
30
33
626
40
2,549
630
1,847
8,019
3,897
,850,410 771,060 4,950,446 1,713,169 367,581 858,318 511,901 2,770,703
CAPITAL ACCOUNTS
Capital
Surplus
U n d i v i d e d profits
Other capital a c c o u n t s .
Total capital accounts
Total liabilities and capital accounts..
N e t demand deposits subject to reserve (see page 18).
D e m a n d deposits adjusted (see footnote on page 1)
N u m b e r of banks
949,226
1,408,818
483,429
216,618
3,058,091
39,462
48,121
18,680
14,380
499,193
797,715
274,725
111,269
55,072
90,802
28,113
9,528
93,647
202,834
33,965
28,831
38,676
54,876
17,470
7,609
15,128
19,748
6,963
2,114
81,405
91,851
45,315
33,344
44,025
33,334
18,067
4,348
7,210
6,235
3,972
945
17,025 10,290
14,389 9,046
10,907 4,391
1,877
729
48,093
39,867
20,861
1,644
120,643 1,682,902
183,515
359,277
118,631
43,953
251,915
99,774
18,362
44,198 24,456
110,465
45,702,582 1,677,490 22,717,526 2,164,441 4,637,783 1,969,041 815,013 5,202,361 1,812,943 385,943 902,516 536,357 2,881,168
25,704,632
23,109,289
1,875
850,893 14,117,597 1,261,040 2,114,140 1,067,139 463,336 2,318,393 1,038,803 193,683 583,325 340,102 1,356,181
874,133 11,720,060 1,264,219 2 , 1 2 2 , 2 2 2 1,001,781 464,481 2,382,621
868,684 214,644 467,748 404,644 1,324,052
45
257
87
133
236
57
445
172
118
120
81
124
FEDERAL RESERVE SYSTEM
BOUNDARIES OF FEDERAL RESERVE DISTRICTS
AND THEIR BRANCH TERRITORIES
MINNEAPOLIS
CHICAGO*!
f s " f Lafr-
icLENEVAND
Omaha
r"**H
VB
Gincmna
Denver
®
KANSAS C TY
Louisville ^
r\chvaon?.
ST. LOUIS
Charlotte
^
Nashville
O k l a h o m a City
Memph
A
L i t t l e Rock
Birminghamx
®
ATLANTA
I
DALLAS®
El P a s o
Houston
B O U N D A R I E S OF F E D E R A L R E S E R V E D I S T R I C T S
—
a
Jactso
New Orleans
San Antonio
B O U N D A R I E S OF F E D E R A L R E S E R V E B R A N C H T E R R I T O R I E S
*
B O A R D OF G O V E R N O R S OF T H E F E D E R A L R E S E R V E S Y S T E M
®
F E D E R A L RESERVE BANK CITIES
•
F E D E R A L RESERVE BRANCH CITIES
OCTOBER /. 1945
BOAR„ OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM
@FedFRASER