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FEDERAL RESERVE statistical release E.3.4/113 DOMESTIC OFFICES* INSURED COMMERCIAL BANK ASSETS ANO LIABILITIES 1/, £/> CONSOLIDATED REPORT OF CONDITION: DECEMBER 31* 1988 MILLIONS OF DOLLARS E.3,4___________________________________________________________ July 18, 1289______ I _________________________________________________________ 1 TOTAL I $ 1 BILLION I LESS THAN I MEMBER I NONMEMBER-J, ______ I OR MORE I $ 1 BILLION I____________ |___________ l 2,751,583 1,751,644 999,939 2,039,524 712,059 233,327 27,561 33,004 172,761 152,182 17,895 10,646 123,641 81,145 9,666 22,359 49,120 179,454 21,188 18,364 139,902 53,872 6,373 14,640 32,859 2,341,508 1,457,209 884,299 1,712,806 628,702 503,564 250,280 253,284 332,805 170,759 330,179 153,048 177,132 215,292 114,887 105,135 2,036 103,099 68,249 57,495 460 57,035 39,737 47,640 1,576 46,063 28,512 74,240 1,060 73,180 43,272 30,894 976 29,918 24,977 4,237 64,217 2,266 37,473 1,972 26,745 3,246 40,232 991 23,986 FEDERAL FUNDS SOLD AND SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL............ .................................... 126,158 FEDERAL FUNDS SOLD.................................... 54,723 SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL...... (8) 5,659 75,492 9,626 1,759 50,666 45,097 3,900 97,655 30,553 4,048 28,502 24,170 1,612 1,138,422 6,984 1,131,438 586,536 6,187 580,350 1,291,765 9,419 1,282,346 433,193 3,752 429,441 TOTAL ASSETS (3) CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS......... CURRENCY AND COIN......................................... NONINTEREST-BEARING BALANCES DUE FROM COMMERCIAL BANKS___ OTHER..................................................... TOTAL SECURITIES, LOANS AND LEASE FINANCING RECEIVABLES, (NET OF UNEARNED INCOME).............................. TOTAL SECURITIES, BOOK VALUE............................... U.S. TREASURY SECURITIES AND U.S. GOVERNMENT AGENCY AND CORPORATION OBLIGATIONS............... ............. SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S............. ............................ TAXABLE SECURITIES................................... TAX-EXEMPT SECURITIES................................ OTHER SECURITIES......................................... ALL HOLDINGS OF PRIVATE CERTIFICATES OF PARTICIPATION IN POOLS OF RESIDENTIAL MORTGAGES................ ALL OTHER............................................ TOTAL LOANS AND LEASE FINANCING RECEIVABLES, GROSS LESS: UNEARNED INCOME ON LOANS................. TOTAL LOANS AND LEASES (NET OF UNEARNED INCOME)... 1,724,958 13,171 1,711,787 E.3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES g/, g/, 5/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS 1 TOTAL _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 1_ _ _ _ _ _ _ 1 $ 1 BILLION 1 LESS THAN I MEMBER 1 OR MORE 1 » 1 BILLION 1_ _ _ _ _ _ _ 1 NONMEMBER i _ 1_ _ _ _ _ _ _ _ L TOTAL LOANS, GROSS BY CATEGORY 650,909 129,008 15,432 299,711 381,422 100,172 2,526 159,742 269,487 28,836 12,907 139,969 458,293 100,804 7,313 202,843 192,617 28,204 8,119 96,868 39,814 27,959 11,855 30,135 9,680 259,897 18,068 188,690 131,783 11,328 107,654 128,114 6,739 81,036 172,708 13,453 133,879 87,189 4,614 54,811 LOANS TO DEPOSITORY INSTITUTIONS........................ 34,221 29,635 4,586 29,938 4,283 LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS TO FARMERS................................................... 29,821 6,964 22,857 15,944 13,876 497,074 362,796 134,278 389,111 107,963 4,634 570 4,064 2,353 2,282 360,821 231,995 128,826 268,619 92,202 OBLIGATIONS (OTHER THAN SECURITIES) OF STATES AND POLITICAL SUBDIVISIONS IN THE U.S. (INCLUDES NONRATED INDUSTRIAL DEVELOPMENT OBLIGATIONS)................................. NONRATED INDUSTRIAL DEVELOPMENT OBLIGATIONS......... OTHER OBLIGATIONS (EXCLUDING SECURITIES)............ 44,610 1,244 43,366 33,622 843 32,779 10,988 401 10,587 36,557 898 35,659 8,053 346 7,707 ALL OTHER LOANS 72,676 64,126 8,550 65,009 7,667 LEASE FINANCING RECEIVABLES 30,191 27,292 2,900 25,942 4,249 LOANS SECURED BY REAL ESTATE................................ CONSTRUCTION AND LAND DEVELOPMENT......................... SECURED BY FARMLAND....................................... SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES............. REVOLVING, OPEN-END LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES AND EXTENDED UNDER LINES OF CREDIT............................................. ALL OTHER LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES............................................ SECURED BY MULTIFAMILY (5 OR MORE) RESIDENTIAL PROPERTIES. SECURED BY NONFARM NONRESIDENTIAL PROPERTIES............. COMMERCIAL AND INDUSTRIAL LOANS ACCEPTANCES OF OTHER BANKS LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY AND OTHER PERSONAL EXPENDITURES (INCLUDES PURCHASED PAPER).. E.3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, £/, 5/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS I TOTAL I $ 1 BILLION I LESS THAN I MEMBER I NONMEMBER I J___________ I OR MORE I $ 1 BILLION 1____________ |___________ L CUSTOMERS' LIABILITY ON ACCEPTANCES OUTSTANDING 26,512 26,177 335 25,357 1,155 NET DUE FROM OWN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES AND IBFS............................ 44,833 43,522 1,311 40,621 4,212 150,236 116,076 34,160 121,906 28,330 TOTAL LIABILITIES AND EQUITY CAPITAL 2,751,583 1,751,644 999,939 2,039,524 712,059 TOTAL LIABILITIES (4) 2,556,034 1,634,353 921,680 1,899,837 656,197 TOTAL DEPOSITS................................ INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS. U.S. GOVERNMENT............................. STATES AND POLITICAL SUBDIVISIONS IN THE U.S COMMERCIAL BANKS IN THE U.S................ OTHER DEPOSITORY INSTITUTIONS IN THE U.S. .. CERTIFIED AND OFFICIAL CHECKS.............. ALL OTHER................................... 2,100,428 1,907,805 5,607 107,775 40,087 8,588 19,911 10,656 1,235,286 1,116,353 3,623 54,054 32,459 5,835 12,686 10,276 865,143 791,452 1,984 53,721 7,628 2,753 7,224 380 1,510,266 1,366,775 4,285 73,309 34,768 6,507 15,053 9,569 590,162 541,030 1,322 34,465 5,319 2,081 4,857 1,087 TOTAL TRANSACTION ACCOUNTS................... INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS. U.S. GOVERNMENT............................. STATES AND POLITICAL SUBDIVISIONS IN THE U.S COMMERCIAL BANKS IN THE U.S................ OTHER DEPOSITORY INSTITUTIONS IN THE U.S. .. CERTIFIED AND OFFICIAL CHECKS.............. ALL OTHER................................... 657,367 564,350 4,203 27,293 27,021 5,566 19,911 9,024 413,404 348,670 2,613 13,496 22,723 4,422 12,686 8,795 243,963 215,680 1,590 13,797 4,298 1,145 7,224 230 494,636 419,707 3,116 18,962 24,835 4,448 15,053 8,515 162,731 144,643 1,087 8,331 2,186 1,119 4,857 509 DEMAND DEPOSITS (INCLUDED IN TOTAL TRANSACTION ACCOUNTS)--INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.............. ' U.S. GOVERNMENT........................................... STATES AND POLITICAL SUBDIVISIONS IN THE U.S............. COMMERCIAL BANKS IN THE U.S............................... OTHER DEPOSITORY INSTITUTIONS IN THE U.S................. CERTIFIED AND OFFICIAL CHECKS............................. ALL OTHER................................................. 456,239 375,417 4,137 15,184 27,017 5,552 19,911 9,022 311,801 250,763 2,574 9,841 22,722 4,421 12,686 8,793 144,438 124,653 1,563 5,343 4,295 1,131 7,224 229 355,651 288,282 3,067 11,460 24,834 4,441 15,053 8,514 100,588 87,135 1,069 3,724 2,184 1,111 4,857 508 REMAINING ASSETS................... E.3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, 2/, 5/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS 1 1 TOTAL NONTRANSACTION ACCOUNTS.......................... INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS......... .... U.S. GOVERNMENT...................................... STATES AND POLITICAL SUBDIVISIONS IN THE U.S........ COMMERCIAL BANKS IN THE U.S.......................... OTHER DEPOSITORY INSTITUTIONS IN THE U.S............ ALL OTHER............................................ TOTAL 1 ,345,456 FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE............................. FEDERAL FUNDS PURCHASED............................ SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE.... .... (9) 30,787 DEMAND NOTES ISSUED TO THE U.S. TREASURY.............. 1 $ 1 BILLION I LESS THAN 1 MEMBER OR MORE 1 $ 1 BILLION 1 1 j NONMEMBER 1 1 821>882 767,683 1,010 40,558 9,736 1,414 1,481 621,179 575,773 394 39,924 3,330 1,608 151 1,015,631 947,069 1,169 54,347 9,933 2,060 1,053 427,431 396,387 235 26,135 3,133 962 578 202,551 17,238 16,085 30,539 12,801 14,702 200,477 22,054 15,932 32,613 7,985 14,856 21,940 2,838 22,506 2,271 OTHER BORROWED MONEY........................................ 83,320 73,740 9,580 68,567 14,753 BANKS LIABILITY ON ACCEPTANCES EXECUTED AND OUTSTANDING.... 27,237 26,902 335 26,082 1,155 NOTES AND DEBENTURES SUBORDINATED TO DEPOSITS............ 1,125 1,222 1,281 1,066 NET DUE TO OWN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES AND IBFS.................................. 15,968 285 12,974 3,280 REMAINING LIABILITIES..................................... i 72,810 12,024 70,657 14,177 TOTAL EQUITY CAPITAL (6).................................. 117,291 78,258 139,687 55,862 E .5.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, 2/, 5/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS 1 1 1 $ 1 BILLION I LESS THAN I MEMBER OR MORE 1 $ 1 BILLION 1 1 TOTAL 1 NONMEMBER 1 1 1 MEMO N/A N/A N/A 18,488 9,915 3,286 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 1,178 212 847 19 1,582 1,448 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A TOTAL INDIVIDUAL RETIREMENT ACCOUNTS (IRA) AND KEOGH PLAN ACCOUNTS................................................. 94,908 52,000 42,908 67,420 27,488 TOTAL BROKERED DEPOSITS..................................... 53,083 47,537 5,546 39,628 13,455 TOTAL BROKERED RETAIL DEPOSITS.............................. ISSUED IN DENOMINATIONS OF $100,000 OR LESS.............. ISSUED IN DENOMINATIONS GREATER THAN $ 100,000 AND PARTICIPATED OUT BY THE BROKER IN SHARES OF $100,000 OR LESS................................................ 19,248 7,242 14,850 4,724 4,398 2,518 12,367 2,804 6,881 4,437 12,006 10,126 1,880 9,563 2,444 SAVINGS DEPOSITS MONEY MARKET DEPOSIT ACCOUNTS (MMDAS)..................... OTHER SAVINGS DEPOSITS.................. ................. 348,491 188,045 220,030 104,651 128,461 83,394 257,425 133,440 91,066 54,605 TOTAL TIME DEPOSITS OF LESS THAN $100,000.................. 531,566 240,656 290,910 351,950 179,616 TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE........... 340,351 226,279 114,072 243,577 96,774 OPEN-ACCOUNT TIME DEPOSITS OF $100,000 OR MORE............. 34,608 30,266 4,342 29,239 5,369 ALL NON ACCOUNTS (INCLUDING "SUPER NON" ACCOUNTS).......... 195,470 98,968 96,502 135,720 59,750 TOTAL TIME AND SAVINGS DEPOSITS............................. 1,644,189 923,484 720,704 1,154,615 489,574 ASSETS HELD IN TRADING ACCOUNTS (7)......................... U.S. TREASURY SECURITIES.................................. U.S. GOVERNMENT AGENCY CORPORATION OBLIGATIONS........... SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S............................................ OTHER BONDS, NOTES AND DEBENTURES......................... CERTIFICATES OF DEPOSIT................................... COMMERCIAL PAPER.......................................... BANKERS ACCEPTANCES....................................... OTHER...................................................... E .3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, 2/, 5/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS 1 1 TOTAL 1 $ 1 BILLION | LESS THAN I MEMBER OR MORE 1 $ 1 BILLION 1 1 | NONMEMBER 1 QUARTERLY AVERAGES TOTAL LOANS............................................... 1,092,327 568,178 1,243,954 416,551 TRANSACTION ACCOUNTS (NOW ACCOUNTS, ATS ACCOUNTS AND TELEPHONE AND PREAUTHORIZED TRANSFER ACCOUNTS)........ 98,171 95,763 134,054 59,880 NONTRANSACTION ACCOUNTS: MONEY MARKET DEPOSIT ACCOUNTS (MMDAS)................. OTHER SAVINGS DEPOSITS................................. TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE...... ALL OTHER TIME DEPOSITS................................ 220,026 105,039 218,430 266,285 129,675 83,651 112,247 291,003 257,483 133,698 238,099 374,667 92,218 54,992 92,578 182,621 335 12,684 5,396 7,623 NUMBER OF BANKS.......................................... 330,677 (1) EFFECTIVE MARCH 31, 1984, THE REPORT OF CONDITION WAS SUBSTANTIALLY REVISED FOR COMMERCIAL BANKS. SOME OF THE CHANGES ARE AS FOLLOWS: (A) PREVIOUSLY, BANKS WITH INTERNATIONAL BANKING FACILITIES (IBFS) THAT HAD NO OTHER FOREIGN OFFICES WERE CONSIDERED DOMESTIC REPORTERS. BEGINNING WITH THE MARCH 31, 1984 CALL REPORT THESE BANKS ARE CONSIDERED FOREIGN AND DOMESTIC REPORTERS AND MUST FILE THE FOREIGN AND DOMESTIC REPORT OF CONDITION, (B) BANKS WITH ASSETS GREATER THAN $1 BILLION HAVE ADDITIONAL ITEMS REPORTED, (C) THE DOMESTIC OFFICE DETAIL FOR BANKS WITH FOREIGN OFFICES HAS BEEN REDUCED CONSIDERABLY, AND (D) BANKS WITH ASSETS UNDER $25 MILLION HAVE BEEN EXCUSED FROM REPORTING CERTAIN DETAIL ITEMS. (2) THE "N/A" FOR SOME OF THE ITEMS IS USED TO INDICATE THE LESSER DETAIL AVAILABLE FROM BANKS WITHOUT FOREIGN OFFICES, THE INAPPLICABILITY OF CERTAIN ITEMS TO BANKS THAT HAVE ONLY DOMESTIC OFFICES AND/OR THE ABSENCE OF DETAIL ON A FULLY CONSOLIDATED BASIS FOR BANKS WITH FOREIGN OFFICES. (3) SINCE THE DOMESTIC PORTION OF ALLOWANCES FOR LOAN AND LEASE LOSSES AND ALLOCATED TRANSFER RISK RESERVE ARE NOT REPORTED FOR BANKS WITH FOREIGN OFFICES, THE COMPONENTS OF TOTAL ASSETS (DOMESTIC) WILL NOT ADD TO THE ACTUAL TOTAL (DOMESTIC). (4) SINCE THE FOREIGN PORTION OF DEMAND NOTES ISSUED TO THE U.S. TREASURY IS NOT REPORTED FOR BANKS WITH FOREIGN OFFICES, THE COMPONENTS OF TOTAL LIABILITIES (FOREIGN) WILL NOT ADD TO THE ACTUAL TOTAL (FOREIGN). (5) ALL TRANSACTIONS BETWEEN DOMESTIC AND FOREIGN OFFICES OF A BANK ARE REPORTED IN "NET DUE FROM" AND "NET DUE TO". ALL OTHER LINES REPRESENT TRANSACTIONS WITH PARTIES OTHER THAN THE DOMESTIC AND FOREIGN OFFICES OF EACH BANK. SINCE THESE INTRAOFFICE TRANSACTIONS ARE NULLIFIED BY CONSOLIDATION, TOTAL ASSETS AND TOTAL LIABILITIES FOR THE ENTIRE BANK MAY NOT EQUAL THE SUM OF ASSETS AND LIABILITIES, RESPECTIVELY, OF THE DOMESTIC AND FOREIGN OFFICES. (6) EQUITY CAPITAL IS NOT ALLOCATED BETWEEN THE DOMESTIC AND FOREIGN OFFICES OF BANKS WITH FOREIGN OFFICES. (7) COMPONENTS OF ASSETS HELD IN TRADING ACCOUNTS ARE ONLY REPORTED FOR BANKS WITH TOTAL ASSETS OF $1 BILLION OR MORE) THEREFORE THE COMPONENTS WILL NOT ADD TO THE TOTALS FOR THIS ITEM. (8) Since only the domestic portion of Federal Fund sold and securities purchased under agreements to resell are reported, components will not add to the total for this item. (9) Since only the domestic porition of Federal Fund purchased and securities sold under agreements components will not add to the total for this item. to repurchase are reported, E .3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANKS WITH ASSETS OF $100 MILLION OR MORE OR WITH FOREIGN OFFICES 1/, 2/, 5/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS 1 1 1 TOTAL 1 MEEKLY 1 NONWEEKLY I MEMBER I REPORTERS I REPORTERS I 9/ 1 1 8/ 1 TOTAL ASSETS (3)........................ 1 NONMEMBER I 1 1 1 l 910,575 1,873,730 472,352 199,213 96,997 23,613 34,141 127,685 74,596 14,830 10,959 71,528 22,401 8,783 23,182 165,099 87,538 19,553 22,656 34,114 9,459 4,061 11,485 8,605 35,857 3,375 23,924 5,229 11,933 6,009 29,344 2,596 6,513 1,983,708 1,178,848 804,860 1,566,985 416,723 384,018 124,335 117,356 188,197 57,283 59,087 195,821 67,051 58,269 285,824 90,400 90,186 98,194 33,934 27,170 71,305 46,051 47,607 11,480 23,699 34,571 60,212 29,974 11,093 16,077 84,527 1,037 83,490 56,191 45,550 312 45,238 25,164 38,976 725 38,252 31,027 66,332 725 65,607 37,564 18,195 312 17,883 18,627 3,571 52,620 1,610 1,652 23,512 1,113 1,919 29,108 497 2,924 34,640 1,343 647 17,980 268 FEDERAL FUNDS SOLD AND SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL................................................ 102,899 • FEDERAL FUNDS SOLD..................................... 31,997 SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL....... (10) 5,127 65,799 4,485 476 37,101 27,512 4,651 87,055 20,284 3,717 15,844 11,713 1,410 1,507,681 10,890 1,496,791 929,656 4,804 924,852 578,025 6,086 571,939 1,202,512 8,407 1,194,106 305,169 2,484 302,685 CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS, CASH ITEMS IN PROCESS OF COLLECTION AND UNPOSTED DEBITS... CURRENCY AND COIN................................ BALANCES DUE FROM DEPOSITORY INSTITUTIONS IN THE U.S..... BALANCES DUE FROM BANKS IN FOREIGN COUNTRIES AND FOREIGN CENTRAL BANKS................................. BALANCES DUE FROM FEDERAL RESERVE BANKS......... TOTAL SECURITIES, LOANS AND LEASE FINANCING RECEIVABLES, (NET OF UNEARNED INCOME)................................. TOTAL SECURITIES, BOOK VALUE................................ U.S. TREASURY SECURITIES ................................. U.S. GOVERNMENT AGENCY AND CORPORATION OBLIGATIONS....... ALL HOLDINGS OF U.S. GOVERNMENT-ISSUED OR GUARANTEED CERTIFICATES OF PARTICIPATION IN POOLS OF RESIDENTIAL MORTGAGES................................ ALL OTHER............................................... SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S........................................... TAXABLE SECURITIES...................................... TAX-EXEMPT SECURITIES................................... OTHER DOMESTIC SECURITIES................................. ALL HOLDINGS OF PRIVATE CERTIFICATES OF PARTICIPATION IN POOLS OF RESIDENTIAL MORTGAGES................... ALL OTHER............................................... FOREIGN SECURITIES........................................ TOTAL LOANS AND LEASE FINANCING RECEIVABLES, GROSS......... LESS: UNEARNED INCOME ON LOANS............................ TOTAL LOANS AND LEASES (NET OF UNEARNED INCOME)............ E.3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANKS WITH ASSETS OF $100 MILLION OR MORE OR WITH FOREIGN OFFICES 1/, 2/, 5/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS | | I TOTAL I WEEKLY | NONWEEKLY I MEMBER INONMEMBER I I REPORTERS I REPORTERS I I I _________ |_________8/ I 9/ 1____________1___________ L TOTAL LOANS, GROSS BY CATEGORY LOANS SECURED BY REAL ESTATE................................ CONSTRUCTION AND LAND DEVELOPMENT......................... SECURED BY FARMLAND....................................... SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES............. REVOLVING, OPEN-END LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES AND EXTENDED UNDER LINES OF CREDIT.............................................. ALL OTHER LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES.......................................... SECURED BY MULTIFAMILY (5 OR MORE) RESIDENTIAL PROPERTIES. SECURED BY NONFARM NONRESIDENTIAL PROPERTIES............. 548,474 121,103 6,161 243,318 307,264 85,525 1,998 125,305 241,210 35,577 4,163 118,013 416,582 97,509 4,183 179,425 131,892 23,593 1,977 63,892 37,296 21,828 15,468 29,062 8,234 206,022 16,079 161,814 103,477 9,640 84,795 102,545 6,438 77,019 150,363 12,698 122,766 55,658 3,381 39,048 LOANS TO COMMERCIAL BANKS IN THE U.S........................ 26,595 20,735 5,860 23,080 3,515 LOANS TO OTHER DEPOSITORY INSTITUTIONS IN THE U.S.......... 2,929 2,362 567 2,701 228 LOANS TO BANKS IN FOREIGN COUNTRIES......................... 3,928 3,773 154 3,773 154 LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS TO FARMERS................................................... 12,141 5,874 6,267 9,624 2,516 COMMERCIAL AND INDUSTRIAL LOANS............................. TO U.S. ADDRESSEES (DOMICILE)............................. TO NON-U.S. ADDRESSEES (DOMICILE)......................... 451,824 448,870 2,954 306,613 304,087 2,526 145,211 144,784 428 369,542 366,860 2,682 82,281 82,010 271 ACCEPTANCES OF OTHER BANKS (7).............................. OF U.S. BANKS.............................................. OF FOREIGN BANKS.......................................... 2,517 844 379 267 197 70 2,250 647 309 1,519 534 301 998 310 78 LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY AND OTHER PERSONAL EXPENDITURES (INCLUDES PURCHASED PAPER)........ 316,696 172,359 144,337 250,046 66,650 •LOANS TO FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS..... 2,005 1,834 170 1,934 71 OBLIGATIONS (OTHER THAN SECURITIES) OF STATES AND POLITICAL SUBDIVISIONS IN THE U.S. (INCLUDES NONRATED INDUSTRIAL DEVELOPMENT OBLIGATIONS)................................. TAXABLE OBLIGATIONS....................................... TAX-EXEMPT OBLIGATIONS.................................... 42,526 1,149 41,377 28,014 690 27,324 14,512 459 14,053 35,776 858 34,917 6,750 291 6,460 E.3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANKS WITH ASSETS OF $100 MILLION OR MORE OR NITH FOREIGN OFFICES 1/, g/> £/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS TOTAL 1 MEEKLY 1 NONWEEKLY I MEMBER 1 REPORTERS 1 REPORTERS I 1 8/ 1 9/ 1 1 NONMEMBER I 1 1 J__________l OTHER LOANS................................... LOANS FOR PURCHASING AND CARRYING SECURITIES ALL OTHER LOANS............................. 68,422 15,758 52,663 55,842 13,186 42,656 12,580 2,572 10,008 62,187 14,707 47,480 6,234 1,051 5,183 LEASE FINANCING RECEIVABLES......................... 29,626 24,719 4,907 25,747 3,879 CUSTOMERS' LIABILITY ON ACCEPTANCES OUTSTANDING.... 26,483 25,657 826 25,342 1,141 NET DUE FROM OWN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES AND IBFS............................ 44,833 41,106 3,727 40,621 4,212 REMAINING ASSETS.................................... 136,677 103,317 33,360 116,304 20,373 TOTAL LIABILITIES AND EQUITY CAPITAL....... ........ 2,346,082 1,435,507 910,575 1,873,730 472,352 TOTAL LIABILITIES (4)............................... 2,185,632 1,340,303 845,329 1,748,071 437,561 TOTAL DEPOSITS................................. INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.. U.S. GOVERNMENT.............................. STATES AND POLITICAL SUBDIVISIONS IN THE U.S. COMMERCIAL BANKS IN THE U.S................. OTHER DEPOSITORY INSTITUTIONS IN THE U.S. ... BANKS IN FOREIGN COUNTRIES.................. FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS CERTIFIED AND OFFICIAL CHECKS............... 1,740,116 1,578,813 4,883 82,947 38,250 7,567 8,603 2,003 17,052 996,979 899,654 3,003 41,739 27,686 5,044 7,586 1,544 10,724 743,137 679,159 1,880 41,208 10,565 2,522 1,016 458 6,328 1,362,711 1,231,746 3,997 64,013 33,644 5,985 7,679 1,871 13,776 377,405 347,067 886 18,934 4,606 1,582 923 132 3,276 TOTAL TRANSACTION ACCOUNTS..................... INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.. U.S. GOVERNMENT.............................. STATES AND POLITICAL SUBDIVISIONS IN THE U.S. 1 COMMERCIAL BANKS IN THE U.S................. OTHER DEPOSITORY INSTITUTIONS IN THE U.S. ... BANKS IN FOREIGN COUNTRIES.................. FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS CERTIFIED AND OFFICIAL CHECKS............... 557,514 475,976 3,606 20,504 26,138 5,230 7,761 1,247 17,052 345,695 290,956 2,100 10,141 19,515 3,818 7,264 1,178 10,724 211,820 185,020 1,506 10,364 6,623 1,412 497 69 6,328 453,021 382,887 2,881 16,491 24,194 4,281 7,320 1,191 13,776 104,493 93,090 725 4,013 1,944 949 441 56 3,276 E. 3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANKS WITH ASSETS OF $100 MILLION OR MORE OR WITH FOREIGN OFFICES 1/, 2/, £/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS | 1 1 TOTAL I WEEKLY 1 NONWEEKLY I MEMBER 1 REPORTERS I REPORTERS 1 8/ 1 9/ 1 1 1 NONMEMBER 1 1 1 1 __________ J DEMAND DEPOSITS (INCLUDED IN TOTAL TRANSACTION ACCOUNTS)--INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.............. U.S. GOVERNMENT........................................... STATES AND POLITICAL SUBDIVISIONS IN THE U.S............. COMMERCIAL BANKS IN THE U.S............................... OTHER DEPOSITORY INSTITUTIONS IN THE U.S................. BANKS IN FOREIGN COUNTRIES................................ FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS............ CERTIFIED AND OFFICIAL CHECKS............................. 401,537 327,655 3,556 12,909 26,136 5,222 7,760 1,246 17,052 265,119 212,788 2,069 7,765 19,514 3,818 7,264 1,178 10,724 136,418 114,867 1,487 5,145 6,622 1,404 496 69 6,328 332,119 267,900 2,834 10,630 24,193 4,276 7,319 1,191 13,776 69,418 59,755 722 2,279 1,943 946 441 55 3,276 TOTAL NONTRANSACTION ACCOUNTS............................... INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.............. U.S. GOVERNMENT........................................... STATES AND POLITICAL SUBDIVISIONS IN THE U.S............. COMMERCIAL BANKS IN THE U.S............................... U.S. BRANCHES AND AGENCIES OF FOREIGN BANKS............ OTHER COMMERCIAL BANKS IN THE U.S....................... OTHER DEPOSITORY INSTITUTIONS IN THE U.S................. BANKS IN FOREIGN COUNTRIES................................ FOREIGN BRANCHES OF OTHER U.S. BANKS.................... OTHER BANKS IN FOREIGN COUNTRIES........................ FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS............ 1,182,602 1,102,836 1,277 62,443 12,112 852 11,260 2,337 842 210 632 756 651,285 608,698 903 31,598 8,171 489 7,682 1,226 322 1 321 367 531,317 494,138 373 30,845 3,941 363 3,578 1,111 520 209 310 389 909,690 848,859 1,116 47,522 9,450 541 8,909 1,704 360 4 355 680 272,912 253,977 161 14,921 2,662 311 2,351 633 482 206 276 76 229,677 28,564 (11) 28,849 171,660 8,687 5,046 58,017 19,877 23,803 198,817 21,226 15,099 30,860 7,338 13,749 DEMAND NOTES ISSUED TO THE U.S. TREASURY 24,323 19,916 4,407 22,304 2,019 OTHER BORROWED MONEY 81,740 60,104 21,635 67,968 13,772 BANKS LIABILITY ON ACCEPTANCES EXECUTED AND OUTSTANDING 27,208 26,382 826 26,067 1,141 FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE......................... FEDERAL FUNDS PURCHASED....................... SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE E.3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANKS WITH ASSETS OF $100 MILLION OR MORE OR WITH FOREIGN OFFICES 1/, £/, £/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS 1 1 1 NOTES AND DEBENTURES SUBORDINATED TO DEPOSITS........... TOTAL 1 MEEKLY 1 NONMEEKLY 1 MEMBER 1 REPORTERS 1 REPORTERS I 8/ 1 9/ 1 1 1 NONMEMBER 1 1 1 1 . . 1 737 1,295 1,226 805 NET DUE TO OHN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES AND IBFS............ 13,321 2,933 12,974 3,280 REMAINING LIABILITIES............... 64,524 16,012 68,979 11,557 TOTAL EQUITY CAPITAL (6)............ 95,204 65,246 125,659 34,791 E.3.4/113 DOMESTIC OFFICES, INSURED COMMERCIAL BANKS WITH ASSETS OF $100 MILLION OR MORE OR WITH FOREIGN OFFICES 1/, £/, 5/ CONSOLIDATED REPORT OF CONDITION: DECEMBER 31, 1988 MILLIONS OF DOLLARS | TOTAL I WEEKLY | NONWEEKLY I MEMBER I NONMEMBER I | I REPORTERS I REPORTERS I II j____________ I________ 8/ 1 9/ I______________________L_L MEMO HOLDINGS OF COMMERCIAL PAPER INCLUDED IN TOTAL LOANS, GROSS. 2,073 279 1,794 1,100 973 TOTAL INDIVIDUAL RETIREMENT ACCOUNTS (IRA) AND KEOGH PLAN ACCOUNTS.................................................. 78,224 42,404 35,820 60,892 17,332 TOTAL BROKERED DEPOSITS............. ....................... 51,769 38,087 13,683 39,236 12,534 TOTAL BROKERED RETAIL DEPOSITS.............................. ISSUED IN DENOMINATIONS OF $100,000 OR LESS.............. ISSUED IN DENOMINATIONS GREATER THAN $100,000 AND PARTICIPATED OUT BY THE BROKER IN SHARES OF $100,000 OR LESS................................................ 18,071 6,381 10,054 1,607 8,017 4,775 12,043 2,510 6,029 3,872 11,690 8,447 3,243 9,533 2,157 SAVINGS DEPOSITS MONEY MARKET DEPOSIT ACCOUNTS............................. OTHER SAVINGS ACCOUNTS.................................... 300,757 155,093 176,121 82,825 124,636 72,268 236,742 119,829 64,015 35,264 TOTAL TIME DEPOSITS OF LESS THAN $100,000.................. 396,231 187,271 208,960 299,572 96,659 TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE........... 297,548 177,953 119,595 224,850 72,699 OPEN-ACCOUNT TIME DEPOSITS OF $100,000 OR MORE............. 32,972 27,114 5,858 28,698 4,275 ALL NOW ACCOUNTS (INCLUDING "SUPER NOW" ACCOUNTS).......... 151,907 78,566 73,341 118,150 33,758 TOTAL TIME AND SAVINGS DEPOSITS............................. 1,338,579 731,860 606,719 1,030,592 307,987 TOTAL LOANS................. ................................ 1,449,621 892,637 556,984 1,157,259 292,363 OBLIGATIONS (OTHER THAN SECURITIES) OF STATES AND POLITICAL SUBDIVISIONS IN THE U.S.................................. 44,262 29,713 14,549 37,618 6,644 TRANSACTION ACCOUNTS (NOW ACCOUNTS, ATS ACCOUNTS AND TELEPHONE AND PREAUTHORIZED TRANSFER ACCOUNTS).......... 150,101 78,029 72,072 116,474 33,627 NONTRANSACTION ACCOUNTS: MONEY MARKET DEPOSIT ACCOUNTS (MMDAS)................... OTHER SAVINGS DEPOSITS................................... TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE........ • ALL OTHER TIME DEPOSITS.................................. ! 301,707 155,761 289,061 422,048 174,963 83,182 172,312 210,366 126,744 72,579 116,749 211,682 236,737 120,093 219,936 322,539 64,971 35,669 69,125 99,509 NUMBER OF BANKS............................................. 2,600 166 2,434 1,495 1,105 QUARTERLY AVERAGES (1) EFFECTIVE MARCH 31, 1984, THE REPORT OF CONDITION WAS SUBSTANTIALLY REVISED FOR COMMERCIAL BANKS. SOME OF THE CHANGES ARE AS FOLLOWS: (A) PREVIOUSLY, BANKS WITH INTERNATIONAL BANKING FACILITIES (IBFS) THAT HAD NO OTHER FOREIGN OFFICES WERE CONSIDERED DOMESTIC REPORTERS. BEGINNING WITH THE MARCH 31, 1984 CALL REPORT THESE BANKS ARE CONSIDERED FOREIGN AND DOMESTIC REPORTERS AND MUST FILE THE FOREIGN AND DOMESTIC REPORT OF CONDITION, (B) BANKS WITH ASSETS GREATER THAN $1 BILLION HAVE ADDITIONAL ITEMS REPORTED, (C) THE DOMESTIC OFFICE DETAIL FOR BANKS WITH FOREIGN OFFICES HAS BEEN REDUCED CONSIDERABLY, AND (D) BANKS WITH ASSETS UNDER $25 MILLION HAVE BEEN EXCUSED FROM REPORTING CERTAIN DETAIL ITEMS. (2) THE "N/A" FOR SOME OF THE ITEMS IS USED TO INDICATE THE LESSER DETAIL AVAILABLE FROM BANKS WITHOUT FOREIGN OFFICES, THE INAPPLICABILITY OF CERTAIN ITEMS TO BANKS THAT HAVE ONLY DOMESTIC OFFICES AND/OR THE ABSENCE OF DETAIL ON A FULLY CONSOLIDATED BASIS FOR BANKS WITH FOREIGN OFFICES. (3) SINCE THE DOMESTIC PORTION OF ALLOWANCES FOR LOAN AND LEASE LOSSES AND ALLOCATED TRANSFER RISK RESERVE ARE NOT REPORTED FOR BANKS WITH FOREIGN OFFICES, THE COMPONENTS OF TOTAL ASSETS (DOMESTIC) WILL NOT ADD TO THE ACTUAL TOTAL (DOMESTIC). (4) SINCE THE FOREIGN PORTION OF DEMAND NOTES ISSUED TO THE U.S. TREASURY IS NOT REPORTED FOR BANKS WITH FOREIGN OFFICES, THE COMPONENTS OF TOTAL LIABILITIES (FOREIGN) WILL NOT ADD TO THE ACTUAL TOTAL (FOREIGN). (5) ALL TRANSACTIONS BETWEEN DOMESTIC AND FOREIGN OFFICES OF A BANK ARE REPORTED IN "NET DUE FROM” AND "NET DUE TO". ALL OTHER LINES REPRESENT TRANSACTIONS WITH PARTIES OTHER THAN THE DOMESTIC AND FOREIGN OFFICES OF EACH BANK. SINCE THESE INTRAOFFICE TRANSACTIONS ARE NULLIFIED BY CONSOLIDATION, TOTAL ASSETS AND TOTAL LIABILITIES FOR THE ENTIRE BANK MAY NOT EQUAL THE SUM OF ASSETS AND LIABILITIES, RESPECTIVELY, OF THE DOMESTIC AND FOREIGN OFFICES. (6) EQUITY CAPITAL IS NOT ALLOCATED BETWEEN THE DOMESTIC AND FOREIGN OFFICES OF BANKS WITH FOREIGN OFFICES. (7) "ACCEPTANCES OF OTHER B A W S " IS NOT REPORTED BY DOMESTIC COMPONENT ITEMS WILL NOT ADD TO THE TOTAL OF THIS ITEM. RESPONDENTS LESS THAN $300 MILLION IN TOTAL ASSETS, THEREFORE THE (8) WEEKLY REPORTERS ARE BANKS WHICH CURRENTLY REPORT ON THE WEEKLY REPORT OF ASSETS AND LIABILITIES FOR LARGE BANKS(FR2416). (9) NONWEEKLY REPORTERS ARE BANKS WHICH DO NOT REPORT ON THE WEEKLY REPORT OF ASSETS AND LIABILITIES FOR LARGE BANKS(FR2416). (10) Since only the domestic portion of Federal Fund sold and securities purchased under agreements to resell are reported, components will not add to the total for this item. (11) Since only the domestic portion of Federal Fund purchased and securities sold under agreements to repurchase are reported, components will not add to the total for this item. E.3.4/113 DOMESTIC AND FOREIGN OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, 2/ CONSOLIDATED REPORT OF CONDITION AND INCOME: DECEMBER 31, 1988 MILLIONS OF DOLLARS ITEMS I 1. 1 TOTAL I | BANKS MITH DOMESTIC 1 BANKS HITH FOREIGN OFFICES 5/, 7/ 1 OFFICES ONLY 8/ 1 TOTAL 11 FOREIGN I DOMESTIC 1 OVER 100 1 UNDER 100 TOTAL ASSETS (3)............................................ 5,111,199 1,791,142 420,638 1 ,431,591 914,491 405,501 CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS......... CASH ITEMS IN PROCESS OF COLLECTION, UNPOSTED DEBITS, AND CURRENCY AND COIN...................................... CASH ITEMS IN PROCESS OF COLLECTION AND UNPOSTED DEBITS. CURRENCY AND COIN....................................... BALANCES DUE FROM DEPOSITORY INSTITUTIONS IN THE U.S..... BALANCES DUE FROM BANKS IN FOREIGN COUNTRIES AND FOREIGN CENTRAL BANKS.......................................... BALANCES DUE FROM FEDERAL RESERVE BANKS.................. MEMO: NONINTEREST-BEARING BALANCES DUE FROM COMMERCIAL BANKS IN THE U.S. (INCLUDED IN BALANCES DUE FROM DEPOSITORY INSTITUTIONS IN THE U.S.).................. 352,293 246,374 118,918 127,456 71,757 34,114 N/A N/A N/A N/A 89,282 N/A N/A 35,373 1,325 N/A N/A 23,030 87,958 73,515 14,443 12,342 32,652 23,482 9,170 21,799 N/A N/A N/A N/A N/A N/A 97,944 23,775 94,361 203 3,583 23,572 5,021 12,285 N/A N/A N/A N/A N/A 7,802 13,782 11,420 TOTAL SECURITIES, LOANS AND LEASE FINANCING RECEIVABLES, NET 2,533,781 1,375,045 N/A N/A 804,285 354,383 TOTAL SECURITIES, BOOK VALUE................................ U.S. TREASURY SECURITIES AND U.S. GOVERNMENT AGENCY AND CORPORATION OBLIGATIONS................................ U.S. TREASURY SECURITIES ............................... U.S. GOVERNMENT AGENCY AND CORPORATION OBLIGATIONS..... ALL HOLDINGS OF U.S. GOVERNMENT-ISSUED OR GUARANTEED CERTIFICATES OF PARTICIPATION IN POOLS OF RESIDENTIAL MORTGAGES............................. ALL OTHER............................................. SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S........................................... TAXABLE SECURITIES...................................... TAX-EXEMPT SECURITIES................................... OTHER SECURITIES.......................................... OTHER DOMESTIC SECURITIES............................... ALL HOLDINGS OF PRIVATE CERTIFICATES OF PARTICIPATION IN POOLS OF RESIDENTIAL MORTGAGES.. ALL OTHER........................................... FOREIGN SECURITIES...................................... 533,058 224,016 29,487 194,529 189,490 119,545 332,184 N/A N/A 118,284 57,931 60,352 2,005 884 1,121 116,279 57,047 59,231 125,412 67,287 58,125 88,489 N/A N/A 87,811 N/A 48,221 12,132 1,080 41 47,140 12,091 24,165 33,960 15,419 N/A 105,653 2,083 103,570 95,213 N/A 46,371 395 45,976 59,361 33,615 518 47 471 26,964 2,424 45,853 348 45,505 32,397 31,191 38,674 689 37,985 25,404 24,999 20,608 1,000 19,608 10,448 4,237 64,826 N/A 1,953 31,662 25,746 0 2,424 24,540 1,953 29,238 1,206 1,617 23,382 404 126,761 101,992 24,763 66,380 47,278 19,102 604 N/A N/A 65,776 N/A N/A 37,123 31,996 5,127 FEDERAL FUNDS SOLD AND SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL................................................ FEDERAL FUNDS SOLD..................................... SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL....... -- ---- 667 9,782 — 23,258 22,726 532 E .3.4/113 DOMESTIC AND FOREIGN OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, 2/ CONSOLIDATED REPORT OF CONDITION AND INCOME: DECEMBER 31, 1988 MILLIONS OF DOLLARS ITEMS ........... -.. TOTAL LOANS AND LEASE FINANCING RECEIVABLES, GROSS......... LESS: UNEARNED INCOME ON LOANS............................ TOTAL LOANS AND LEASES (NET OF UNEARNED INCOME)............ LESS: ALLOWANCE FOR LOAN AND LEASE LOSSES................ LESS: ALLOCATED TRANSFER RISK RESERVE..................... EQUALS: TOTAL LOANS AND LEASES, NET......................... I 1 1 I I BANKS WITH DOMESTIC OFFICES ONLY 8/ i BANKS WITH FOREIGN OFFICES 5/* 7/ 1 1 TOTAL 1 FOREIGN 1 DOMESTIC 1 OVER 100 1 UNDER 100 TOTAL 1,935,647 15,278 1,920,431 46,260 209 1,873,962 1,125,351 7,009 1,118,342 33,492 201 1,084,649 210,689 2,107 208,581 N/A N/A N/A 914,663 4,902 909,761 N/A N/A N/A 593,018 5,988 587,030 9,357 1 577,672 217,277 2,281 214,997 3,409 8 211,580 LOANS SECURED BY REAL ESTATE................................ CONSTRUCTION AND LAND DEVELOPMENT......................... SECURED BY FARMLAND....................................... SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES............. REVOLVING, OPEN-END LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES AND EXTENED UNDER LINES OF CREDIT.............................................. ALL OTHER LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES............................................ SECURED BY MULTIFAMILY (5 OR MORE) RESIDENTIAL PROPERTIES. SECURED BY NONFARM NONRESIDENTIAL PROPERTIES............. 673,075 N/A N/A N/A 328,857 N/A N/A N/A 22,128 N/A N/A N/A 306,730 85,799 1,895 125,575 241,744 35,304 4,266 117,743 102,436 7,905 9,272 56,393 N/A N/A N/A 21,603 15,693 2,518 N/A N/A N/A N/A N/A N/A N/A N/A N/A 103,972 9,694 83,767 102,050 6,385 78,047 53,875 1,989 26,876 LOANS TO DEPOSITORY INSTITUTIONS............................ TO COMMERCIAL BANKS IN THE U.S............................ TO OTHER DEPOSITORY INSTITUTIONS IN THE U.S.............. TO BANKS IN FOREIGN COUNTRIES............................. 58,415 N/A N/A N/A 51,637 22,280 2,777 26,580 24,194 988 467 22,740 27,443 21,293 2,311 3,840 6,008 5,302 618 88 770 N/A N/A N/A LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS TO FARMERS................................................... 30,098 5,748 277 5,471 6,669 17,680 COMMERCIAL AND INDUSTRIAL LOANS............................. TO U.S. ADDRESSEES (DOMICILE)............................. TO NON-U.S. ADDRESSEES (DOMICILE)...... .................. 596,426 N/A N/A 415,851 333,000 82,851 99,351 19,160 80,192 316,499 313,840 2,659 135,324 135,030 294 45,250 N/A N/A ACCEPTANCES OF OTHER BANKS.................................. OF U.S. BANKS....................... ...................... • OF FOREIGN BANKS.......................... ................ 5,010 N/A N/A 819 230 589 376 34 341 443 196 247 2,074 N/A N/A 2,117 N/A N/A LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY AND OTHER PERSONAL EXPENDITURES (INCLUDES PURCHASED PAPER)........ CREDIT CARDS AND RELATED PLANS............................ OTHER (INCLUDES SINGLE PAYMENT AND INSTALLMENT).......... 372,947 116,522 256,429 158,510 46,666 111,844 12,126 N/A N/A 146,384 N/A N/A 170,312 66,636 103,676 44,125 3,219 40,906 TOTAL LOANS, GROSS BY CATEGORY E.3.*/113 DOMESTIC AND FOREIGN OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES I/, 2/ CONSOLIDATED REPORT OF CONDITION AND INCOME: DECEMBER 31, 1988 MILLIONS OF DOLLARS ITEMS I 1 1 I TOTAL | BANKS WITH DOMESTIC OFFICES ONLY 8/ 1 DOMESTIC 1 OVER 100 1 UNDER 100 1 BANKS WITH FOREIGN OFFICES 5/. 7/ 1 1 TOTAL 11 FOREIGN OBLIGATIONS (OTHER THAN SECURITIES) OF STATES AND POLITICAL SUBDIVISIONS IN THE U.S. (INCLUDES NONRATED INDUSTRIAL DEVELOPMENT OBLIGATIONS)................................. TAXABLE OBLIGATIONS...................................... . TAX-EXEMPT OBLIGATIONS.................................... 44,950 1,265 43,685 27,495 669 26,826 340 21 319 27,155 648 26,508 15,370 501 14,869 2,085 95 1,989 ALL OTHER LOANS............................................. LOANS TO FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS--OTHER LOANS............................................... LOANS FOR PURCHASING AND CARRYING SECURITIES........... ALL OTHER LOANS......................................... 120,535 N/A N/A N/A N/A 107,741 35,148 72,594 N/A N/A 47,859 33,398 14,461 N/A N/A 59,882 1,749 58,133 14,158 43,975 10,544 255 10,289 1,601 8,688 2,250 N/A N/A N/A N/A LEASE FINANCING RECEIVABLES................................. 34,229 28,692 4,038 24,654 4,972 565 ASSETS HELD IN TRADING ACCOUNTS............................. 35,462 34,602 16,465 18,137 661 200 PREMISES AND FIXED ASSETS (INCLUDING CAPITALIZED LEASES)___ 45,443 24,014 N/A N/A 14,403 7,026 OTHER REAL ESTATE OWNED..................................... 11,205 4,749 N/A N/A 3,824 2,632 INVESTMENTS IN UNCONSOLIDATED SUBSIDIARIES AND ASSOCIATED COMPANIES................................................ 2,773 2,087 N/A N/A 643 43 CUSTOMERS1 LIABILITY ON ACCEPTANCES OUTSTANDING............ 33,041 32,602 N/A N/A 410 28 NET DUE FROM OWN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES AND IBFS.................................... N/A N/A N/A 44,833 N/A N/A INTANGIBLE ASSETS........................................... 5,062 3,108 N/A N/A 1,739 216 OTHER ASSETS................................................ 92,192 68,562 N/A N/A 16,770 6*860 TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK AND EQUITY CAPITAL.................................................. 3,111,199 1,791,142 N/A N/A 914,491 405,501 •TOTAL LIABILITIES (4)....................................... LIMITED-LIFE PREFERRED STOCK.............................. 2,915,634 84 1,694,771 0 420,625 N/A 1,335,232 N/A 850,400 83 370,401 2 E.3.4/113 DOMESTIC AND FOREIGN OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, 2/ CONSOLIDATED REPORT OF CONDITION AND INCOME: DECEMBER 31, 1988 MILLIONS OF DOLLARS ITEMS I i 1 TOTAL I \ BANKS WITH DOMESTIC OFFICES ONLY 8/ i BANKS WITH FOREIGN OFFICES 5/* 7/ 1 1 TOTAL 1 FOREIGN 1 DOMESTIC 1 OVER 100 IUNDER 100 TOTAL DEPOSITS............................................... INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.............. U.S. GOVERNMENT............................................ STATES AND POLITICAL SUBDIVISIONS IN THE U.S............. COMMERCIAL BANKS IN THE U.S............................... OTHER DEPOSITORY INSTITUTIONS IN THE U.S.................. BANKS IN FOREIGN COUNTRIES................................ FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS............ CERTIFIED AND OFFICIAL CHECKS............................. ALL OTHER (9).............................................. 2,415,507 N/A N/A N/A N/A N/A N/A N/A 20,425 N/A 1,314,877 N/A N/A N/A N/A N/A N/A 23,892 11,343 N/A 315,079 184,858 N/A N/A N/A N/A N/A 22,178 514 82,378 999,798 900,909 2,949 41,273 28,781 5,182 8,163 1,713 10,829 740,318 677,904 1,933 41,674 9,469 2,385 440 289 6,223 360,312 328,992 724 24,828 1,837 1,022 N/A N/A 2,858 51 TOTAL TRANSACTION ACCOUNTS.................................. INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.............. U.S. GOVERNMENT............................................ STATES AND POLITICAL SUBDIVISIONS IN THE U.S............. COMMERCIAL BANKS IN THE U.S............................... OTHER DEPOSITORY INSTITUTIONS IN THE U.S.................. BANKS IN FOREIGN COUNTRIES................................ FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS............ CERTIFIED AND OFFICIAL CHECKS............................. ALL OTHER.................................................. N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 340,447 285,659 2,017 9,602 19,708 3,873 7,528 1,232 10,829 217,067 190,318 1,589 10,902 6,430 1,356 233 16 6,223 99,853 88,373 597 6,788 883 337 N/A N/A 2,858 16 DEMAND DEPOSITS (INCLUDED IN TOTAL TRANSACTION ACCOUNTS)___ INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.............. U.S. GOVERNMENT............................................ STATES AND POLITICAL SUBDIVISIONS IN THE U.S............. COMMERCIAL BANKS IN THE U.S............................... OTHER DEPOSITORY INSTITUTIONS IN THE U.S.................. BANKS IN FOREIGN COUNTRIES................................ FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS............ CERTIFIED AND OFFICIAL CHECKS............................. ALL OTHER.................................................. N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 138,938 117,555 1,568 5,566 6,429 1,348 232 15 6,223 54,702 47,762 580 2,275 881 330 N/A N/A 2,858 16 TOTAL NONTRANSACTION ACCOUNTS............................... INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS.............. U.S. GOVERNMENT............................................ STATES AND POLITICAL SUBDIVISIONS IN THE U.S............. COMMERCIAL BANKS IN THE U.S............................... U.S. BRANCHES AND AGENCIES OF FOREIGN BANKS............ OTHER COMMERCIAL BANKS IN THE U.S....................... OTHER DEPOSITORY INSTITUTIONS IN THE U.S.................. BANKS IN FOREIGN COUNTRIES................................ FOREIGN BRANCHES OF OTHER U.S. BANKS.................... OTHER BANKS IN FOREIGN COUNTRIES........................ FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS............ ALL OTHER.................................................. N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 523,251 487,586 344 30,772 3,039 166 2,873 1,028 207 206 1 274 260,460 240,619 127 18,039 954 N/A N/A 685 N/A N/A N/A N/A 34 — — 262,599 210,099 1,988 7,343 19,707 3,873 7,527 1,231 10,829 — 659,351 615,250 932 31,671 9,073 686 8,387 1,308 635 4 631 482 — — — E. 3.4/113 DOMESTIC AND FOREIGN OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, 2/ CONSOLIDATED REPORT OF CONDITION AND INCOME: DECEMBER 31, 1988 MILLIONS OF DOLLARS ITEMS FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE.................................. FEDERAL FUNDS PURCHASED.............................. . SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE........ I i 1 TOTAL I I BANKS WITH DOMESTIC OFFICES ONLY 8/ i BANKS WITH FOREIGN OFFICES 5/» 7/ l TOTAL 1! FOREIGN 1 DOMESTIC 1 OVER 100 I UNDER 100 I 233,515 144,851 88,680 172,875 114,903 57,972 424 N/A N/A 172,451 N/A N/A 57,226 28,459 28,767 3,413 1,475 1,939 DEMAND NOTES ISSUED TO THE U.S. TREASURY................... N/A N/A N/A 20,000 4,323 454 OTHER BORROWED MONEY........................................ 117,817 83,128 34,497 48,631 33,108 1,581 BANKS LIABILITY ON ACCEPTANCES EXECUTED AND OUTSTANDING.... 33,184 32,745 5,947 26,798 410 29 NOTES AND DEBENTURES SUBORDINATED TO DEPOSITS.............. 17,226 14,879 N/A N/A 2,031 315 NET DUE TO OWN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES AND IBFS.................................... N/A N/A N/A 16,254 N/A N/A ALL OTHER LIABILITIES....................................... 73,547 56,266 N/A N/A 12,983 4,298 TOTAL EQUITY CAPITAL (6).................................... 195,481 96,371 N/A N/A 64,009 35,098 E .3.4/113 DOMESTIC AND FOREIGN OFFICES, INSURED COMMERCIAL BANK ASSETS AND LIABILITIES 1/, 2/ CONSOLIDATED REPORT OF CONDITION AND INCOME: DECEMBER 31, 1988 MILLIONS OF DOLLARS I I I BANKS WITH DOMESTIC 1 BANKS WITH FOREIGN OFFICES 5/, 7/ i OFFICES ONLY 8/ 1 TOTAL 1 FOREIGN 1 DOMESTIC 1 OVER 100 1 UNDER 100 ITEMS TOTAL MEMO HOLDINGS OF COMMERCIAL PAPER INCLUDED IN TOTAL LOANS, GROSS. N/A 1,566 831 734 1,339 N/A TOTAL INDIVIDUAL RETIREMENT ACCOUNTS (IRA) AND KEOGH PLAN ACCOUNTS.................................................. N/A N/A N/A 41,105 37,119 16,684 TOTAL BROKERED DEPOSITS..................................... N/A N/A N/A 37,889 13,881 1,314 TOTAL BROKERED RETAIL DEPOSITS.............................. ISSUED IN DENOMINATIONS OF $100,000 OR LESS.............. ISSUED IN DENOMINATIONS GREATER THAN $100,000 AND PARTICIPATED OUT BY THE BROKER IN SHARES OF $100,000 OR LESS................................................. N/A N/A N/A N/A N/A N/A 9,379 1,634 8,692 4,747 1,177 860 N/A N/A N/A 7,745 3,945 317 SAVINGS DEPOSITS MONEY MARKET DEPOSIT ACCOUNTS (MMDAS)..................... OTHER SAVINGS DEPOSITS (EXCLUDING MMDAS)................. N/A N/A N/A N/A N/A N/A 178,372 81,512 122,386 73,580 47,734 32,952 TOTAL TIME DEPOSITS OF LESS THAN $100,000................... N/A N/A N/A 181,308 214,923 135,335 TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE........... N/A N/A N/A 189,048 108,500 42,803 OPEN-ACCOUNT TIME DEPOSITS OF $100,000 OR MORE............. N/A N/A N/A 29,110 3,862 1,635 ALL NOW ACCOUNTS (INCLUDING "SUPER NOW" ACCOUNTS).......... N/A N/A N/A 76,107 75,800 43,563 TOTAL TIME AND SAVINGS DEPOSITS............................. N/A N/A N/A 737,199 601,380 305,610 TOTAL LOANS.................................................. N/A N/A N/A 878,719 570,903 210,883 OBLIGATIONS (OTHER THAN SECURITIES) OF STATES AND POLITICAL SUBDIVISIONS IN THE U.S.................................. N/A N/A N/A 28,914 15,348 N/A TRANSACTION ACCOUNTS IN DOMESTIC OFFICES (NOW ACCOUNTS, ACS ACCOUNTS AND TELEPHONE AND PREAUTHORIZED TRANSFER ACCOUNTS)................................................. N/A N/A N/A 75,275 74,826 43,833 NONTRANSACTION ACCOUNTS IN DOMESTIC OFFICES: MONEY MARKET DEPOSIT ACCOUNTS (MMDAS).................... OTHER SAVINGS DEPOSITS................................... ' TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE........ ’ ALL OTHER TIME DEPOSITS.................................. N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 178,522 81,652 182,516 207,166 123,185 74,110 106,545 214,882 47,995 32,929 41,616 135,240 13,019 251 N/A N/A 2,349 10,419 QUARTERLY AVERAGES i NUMBER OF BAFKS (1) EFFECTIVE MARCH 31, 198<t, THE REPORT OF CONDITION WAS SUBSTANTIALLY REVISED FOR COMMERCIAL BANKS. SOME OF THE CHANGES ARE AS FOLLOWS: (A) PREVIOUSLY, BANKS WITH INTERNATIONAL BANKING FACILITIES (IBFS) THAT HAD NO OTHER FOREIGN OFFICES WERE CONSIDERED DOMESTIC REPORTERS. BEGINNING WITH THE MARCH 31, 1984 CALL REPORT THESE BANKS ARE CONSIDERED FOREIGN AND DOMESTIC REPORTERS AND MUST FILE THE FOREIGN AND DOMESTIC REPORT OF CONDITION, (B) BANKS WITH ASSETS ,GREATER THAN $1 BILLION HAVE ADDITIONAL ITEMS REPORTED, (C) THE DOMESTIC OFFICE DETAIL FOR BANKS WITH FOREIGN OFFICES HAS BEEN REDUCED CONSIDERABLY, AND (D) BANKS WITH ASSETS UNDER $25 MILLION HAVE BEEN EXCUSED FROM REPORTING CERTAIN DETAIL ITEMS. (2) THE "N/A" FOR SOME OF THE ITEMS IS USED TO INDICATE THE LESSER DETAIL AVAILABLE FROM BANKS WITHOUT FOREIGN OFFICES, THE INAPPLICABILITY OF CERTAIN ITEMS TO BANKS THAT HAVE ONLY DOMESTIC OFFICES AND/OR THE ABSENCE OF DETAIL ON A FULLY CONSOLIDATED BASIS FOR BANKS WITH FOREIGN OFFICES. (3) SINCE THE DOMESTIC PORTION OF ALLOWANCES FOR LOAN AND LEASE LOSSES AND ALLOCATED TRANSFER RISK RESERVE ARE NOT REPORTED FOR BANKS WITH FOREIGN OFFICES, THE COMPONENTS OF TOTAL ASSETS (DOMESTIC) WILL NOT ADD TO THE ACTUAL TOTAL (DOMESTIC). (4) SINCE THE FOREIGN PORTION OF DEMAND NOTES ISSUED TO THE U.S. TREASURY IS NOT REPORTED FOR BANKS WITH FOREIGN OFFICES, THE COMPONENTS OF TOTAL LIABILITIES (FOREIGN) WILL NOT ADD TO THE ACTUAL TOTAL (FOREIGN). (5) ALL TRANSACTIONS BETWEEN DOMESTIC AND FOREIGN OFFICES OF A BANK ARE REPORTED IN "NET DUE FROM" AND "NET DUE TO". ALL OTHER LINES REPRESENT TRANSACTIONS WITH PARTIES OTHER THAN THE DOMESTIC AND FOREIGN OFFICES OF EACH BANK. SINCE THESE INTRAOFFICE TRANSACTIONS ARE NULLIFIED BY CONSOLIDATION, TOTAL ASSETS AND TOTAL LIABILITIES FOR THE ENTIRE BAWL MAY NOT EQUAL THE SUM OF ASSETS AND LIABILITIES, RESPECTIVELY, OF THE DOMESTIC AND FOREIGN OFFICES. (6) EQUITY CAPITAL IS NOT ALLOCATED BETWEEN THE DOMESTIC AND FOREIGN OFFICES OF BANKS WITH FOREIGN OFFICES. (7) FOREIGN OFFICES INCLUDE BRANCHES IN FOREIGN COUNTRIES, PUERTO RICO, AND IN U.S. TERRITORIES AND POSSESSIONS, SUBSIDIARIES IN FOREIGN COUNTRIES, ALL OFFICES OF EDGE ACT AND AGREEMENT CORPORATIONS WHEREVER LOCATED AND INTERNATIONAL BANKING FACILITIES (IBFS). (8) THE 'OVER 100' COLUMN REFERS TO THOSE RESPONDENTS WHOSE ASSETS, AS OF JUNE 30 OF THE PREVIOUS CALENDAR YEAR, WERE EQUAL TO OR EXCEEDED $100 MILLION. (THESE RESPONDENTS FILE THE FFIEC 032 OR FFIEC 033 CALL REPORT.) THE 'UNDER 100' COLUMN REFERS TO THOSE RESPONDENTS WHOSE ASSETS, AS OF JUNE 30 OF THE PREVIOUS CALENDAR YEAR, WERE LESS THAN $100 MILLION. (THESE RESPONDENTS FILED THE FFIEC 034 CALL REPORT.) (9) THE DEFINITION OF 'ALL OTHER' VARIES BY REPORT FORM AND THEREFORE BY COLUMN IN THIS TABLE. DETAIL. SEE THE INSTRUCTIONS FOR MORE
@FedFRASER