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FEDERAL RESERVE statistical release
^

6.7(407)

LOANS AND SECURITIES AT ALL COMMERCIAL BANKS

fofjramediste

FEBRUARY

1

17,

1983

Monthly swerage figures, billions of dollar#

1982
AUG.

5/

1982
SEPT

5/
6/

1982
OCT.

5/

1982
80V.

5/

1982
DEC.

5/

1983
JAN.

1982
5 / AUG.
7/

5/

1982
SEPT 5 /
6/

1. Total loans and securities*

5/

1982
NOV.

5/

1982
DEC.

5/

1983
JAN.

5/
7/

Not —atonal ly adjusted

Seasonally adjusted

2. U.S. Treasury securities
3. Other securities
4. Total loans and leases?
5. Commercial and industrial loans
6. Real estate loans
7. Loans t o individuals
8 . Security loans
9 . Loans t o nonbank financial institutions
10. Agricultural loans
11. Lease financing receivables
12. All o t h e r loans

1982
OCT.

1397.5

1398.5

1412.1

1428.1

1377.7

1391.0

1402.8

1405.4

1422.5

1430.5

126.4
235.8
1036.4
392.0
301.6
190.3
23.4
32.2
36.3
13.1
47.5

130.9
239.1
1042.0
392.4
303.2
191.8
24.7
31.1
36.3
13.1
49.5

139.8
243.3
1045.0
395. 2
305.3
192.6
22.7
31.7
36.5
13.3
47.7

116.4
236.4
1024.9
385.5
298.2
189.7

32.6
36.3
13i 1
47.4

122.3
237.2
1038.1
394.8
300.5
190.0
24.2
32.4
36.3
13.1
46.8

33.1
36.5
13.1
46.8

117.8
237.7
1035.5
392.1
300.1
190.9
22.3
32.8
36.8
13.1
47.5

121.3
237.5
1044.0
395.4
301.7
191.5
23.9
32.7
36.8
13. 1
48.9

125.5
236.3
1043.5
393.8
302.8
191.5
23.9
32.6
36.5
13.1
49.3

131.5
240.6
1050.4
394.7
304.1
193.1
25.5
32.1
36.3
13.1
51.5

139.2
243.5
1047.7
394.1
305.9
193.2
22.9
31,9
36.3
13.3
50.2

1386.0

1392.2

1400.3

1401.5

1415.0

1431.1

1380.5

1393.8

1405.6

1408.3

1425.4

1433.5

1031.1

1036.4

1040.9

1046.9

397.0

1048.0
3.0
397.5
2.3

1038.4

394.7
2.3
9.3
383.1
369.9
13.2
13.7

387.8
2.3
376.7
364.0

1046., 4
2.9
396.1
2.3
8.7
385.1
372.6

14.0

1053.3
2.9
396.9
2.3
9.5
385.2
372.7
12.4
14.5

1050.7
3.0
396.5
2.3
9.2
384.9
372.7

13.9

386.4
374.1
12.3
13.7

394.4
2.3
9.4
382.7
369.7
13.0
14.2

397.7

9.4
385.3
372.7

1045.0
2.9
394.6
2.3
8.5
383.8
373.5
10.3
13.5

1027.7

390.2
2.3
9.1
378.8
365.8
13.0
14.6

1039.3
2.9
394.3
2.3
8.4
383:6
371.5

1383.1
117.8
237.1
1028.3
387.9
298.5
189.5
21.4
33.2
36.0
13.1
48.7

1389.4

118.2
237.6
1033.5
392.5
299.5
189.6

22.6

22.0

MEMORANDA
1. Total loans and securities plus loans s o l d ? ,3
2. Total loans plus loans sold?,3
3. Total loans sold t o affiliates)
4 . Commercial and industrial loans plus loans s o k P
5. Commercial and industrial loans sold
6 . Acceptances held
7. Other commercial and industrial loans
8. To U.S. addressees 4
9. To non-U.S. addressees 4
10. Loans t o foreign banks

1/

2.8

2.8

2.8
2.2

12.6

12.1

8.8

2.8
8.8

12.8
14.1

2.8

2.8
2.2

9.3
386,1
373.4
12.7
14.2

12.6

14.1

12.2
14.3

I N C L U D E S D O M E S T I C A L L I CHARTERED BANKS; U . S . BRANCHES AND A G E N C I E S OF FOREIGN BANKS, NEW YORK I N V E S T M E N T COMPANIES MAJORITY
OWNED BY F O R E I G N B A N K S , AND EDGE ACT CORPORATIONS OWNED BY DOMESTICALLY CHARTERED AND F O R E I G N B A N K S .
2/
EXCLUDES LOANS TO COMMERCIAL BANKS I N THE U . S .
3/
LOANS SOLD ARB THOSE SOLD OUTRIGHT TO A B A N K ' S OWN F O R E I G N BRANCHES, NONCONSOLIDATED NONBANK A F F I L I A T E S O F THE BANK, THE
BANK HOLDING COMPANY ( I F NOT A BANK) AND N O N - C O N S O L I D A T E D NON-BANK S U B S I D I A R I E S OF THE HOLDING COMPANY.
4/
U . S . I N C L U D E S THE 5 0 S T A T E S AND THE D I S T R I C T OF C O L U M B I A .
5/
B E G I N N I N G I N D E C E M B E R , 1 9 8 1 , S H I F T S OF FOREIGN LOANS AND S E C U R I T I E S FROM U . S . BANKING O F F I C E S TO I N T E R N A T I O N A L BANKING
F A C I L I T I E S REDUCED T H E LEVELS OF SEVERAL I T E M S .
THE SEASONALLY A D J U S T E D L E V E L S I N C L U D I N G T H E AMOUNTS S H I F T E D FROM
D O M E S T I C O F F I C E S TO I B F S ARE SHOWN ON THE BACK P A G E .
6/
B E G I N N I N G S E P T E M B E R 2 9 , 1 9 8 2 REAL E S T A T E LOANS I N C R E A S E D S O . 3 B I L L I O N AND NONBANK F I N A N C I A L LOANS DECREASED S O . 3 B I L L I O N
DUE TO LOAN R E C L A S S I F I C A T I O N S .
7/
DUE TO LOAN R E C L A S S I F I C A T I O N S , SEVERAL C A T E G O R I E S HAVE BREAKS I N S E R I E S : B E G I N N I N G JANUARY 1 2 , 1 9 8 3 REAL ESTATE LOANS I N C R E A S E D
S O . 4 B I L L I O N AND LOANS TO I N D I V I D U A L S DECREASED S O . 2 B I L L I O N .
AS OF JANUARY 2 6 , 1 9 8 3 OTHER S E C U R I T I E S I N C R E A S E D S O . 2 B I L L I O N
AND TOTAL LOANS AND COMMERCIAL AND I N D U S T R I A L LOANS DECREASED S O . 2 B I L L I O N . AS OF FEBRUARY 2 , 1 9 8 3 REAL E S T A T E LOANS I N C R E A S E D
AND COMMERCIAL AND I N D U S T R I A L LOANS DECREASED S O . 5 B I L L I O N .
NOTE:
DATA ARE PRORATED AVERAGES OF WEDNESDAY E S T I M A T E S FOR .DOMESTICALLY CHARTERED B A N K S , BASED ON WEEKLY SAMPLE R E P O R T S AND
QUARTERLY U N I V E R S E R E P O R T S .
FOR FOREIGN RELATED I N S T I T U T I O N S , DATA ARE AVERAGES OF MONTH-END E S T I M A T E S BASED ON WEEKLY
REPORTS FROM LARGE A G E N C I E S AND BRANCHES AND QUARTERLY R E P O R T S FROM ALL A G E N C I E S , BRANCHES, I N V E S T M E N T C O M P A N I E S , AND EDGE
ACT C O R P O R A T I O N S ENGAGED I N BANKING-




FEBRUARY

17,

1983

LOANS AND SECURITIES AT DOMESTICALLY CHARTERED COMMERCIAL BANKS
Averages of Wednesday figures, billions of dollars
1982
5/

1324.8

1. Total loans and securities?
2. U.S. Treasury securities
3 . Other securities
4. Total loans and leases?
5. Commercial and industrial loans
6 . Real estate loans
7. Loans t o individuals
8 . Security loans
9 . Loans t o nonbank financial institutions
10. Agricultural loans
11. Lease financing receivables
12. All o t h e r loans

1982
SEPT

5/
6J

1332.9

1982
OCT.

5/

1982
NOV.

5/

1982
DEC.

5/

1983
JAN.

3

i 2. Total loans plus loans sold?.3
3. Total loans sold t o affiliates^
4 . Commercial and industrial loans plus loans s o k P
5. Commercial and industrial loans sold
6 . Acceptances held
7. Other commercial and industrial loans
8. T o U.S. addressees 4
9. To non U.S. addressees 4
10. Loans t o foreign banks

1340.9

1340.9

1356.4

1373.5

116.1
236.0
980.8
353.0
296.0
189.4
22.2
30.9
36.3
13.1
39.9

119.6
235.5
985.8
355.6
297.0
189.9
23.8
30.7
36.3
13.1
39.6

133.1
234.1
983.7
353.3
298.2
190.1
23.0
30.5
36.3
13.1
39.2

127.5
237.4
991.4
354.2
299.7

24.2
29.6
36.3
13.1
42.6

136.3
241.5
995.7
358.1
301.8
192.4
22.3
30.3
36.5
13.3
41.0

1327.7

1335.7

1343.8

1343.8

1359.3

1376.4

976.9

983.7

988.6

351.3
2.3
4.6
344.4
337.3
7.2
8.3

355.2
2-3
4.8
348.2
340.9
7.2
7.8

357.8

994.3
2.9
356.5
2.3
4.6
349.6
344.8
4.9
7.4

998.6
3.0
360.4
2.3
4.9
353.2
346.4
6.7
7.4

V
2/
3/
4/
5/

DOBBSTIC1LLI

« . « =

» = TH.S,

2.8

1982
SEPT

2.8
2.2

5.2
350.4
343.6

6.8
7.5

BITH » T I O » L

986.6:
2.9 *
355.6
2.3
4.4
348.9
342.6
6.4
7.2

OR S T . T .

1982
OCT.

5/
6/

5/

1982
NOV.

5/

1982
DEC.

1983
JAN.

191.6

= „ „ = » =

1333.4

1345.0

1348.2

114.2
234.6
972.1
347.3
294.8
189.6
21.3
31.5
36.5
13.1
38.2

115.6
236.0
981.8
352.6
296.6
190.8

122.2

31.1
36.8
13.1
39.0

118.5
235.7
990.7
356.3
298.2
191.4
23.5
31.0
36.8
13.1
40.5

234.6
991.4
355.5
299.4
191.3
23.5
31.0
36.5
13.1
41.2

127.9
238.9
998.2
356.0
300.6
193.0
25.1
30.6
36.3
13.1
43.6

135.6
241.7
996.6
356.3
302.4
193.0
22.4
30.4
36.3
13.3
42.5

1323.8

1336.2

1347.8

1351.2

1368.0

1377.0

974.9

984.6

993.5

1001.2

349.6
2.3
4.4
342.9
335.9
6.9
7.8

354.9
2.3
4.8
347.8
340.6
7.2
7.9

358.5

994.4
2.9
357.8
2.3
4.6
350.8
343.9
6.9
7.7

999.6
3.0
358.6
2.3
5.3
351.0
344.3
6.7
7.8

2.8

">»««•

21.8

2.8

2.8

« * > »

2.2

4.9
351.3
344.3
7.0
7.8

«»

1365.0

2.9
358.3
2.3
5.4
350.6
343.7

6.8
8.0

1374.0

• » « • » « « «

""
I".';.—...

«»»«" " » = " • 3

.„I6EEillEiElSE!fEEf;-

6/
7/

AMD QUARTERLY U N I V E R S E R E P O R T S .




5/
7/

1320.9

S r E i r S f E rlsiu
KSSi'tlKSLS

5>

Not seasonally adjusted

115.5
235.4
974.0
349.0
295.1
189.4
20.7
31.6
36.0
13.1
39.1

2.8

5/

Seasonally adjusted

MEMORANDA
1. Total loans and securities plus loans s o l d 2

1982
AUG.

6 . 7 (407IB

FEBRUARY 1 7 ,

LOANS AND SECURmES AT FOREIGN-RELATED INSTITUTIONS1

1983

Averages of month-end figures, billions of dollars

1982
AUG. 5 /

1982
SEPT 5 /

1982
OCTT 5 /

1982
NOV. 5 /

1982
DEC. 5 /

1983
JAM. 5 /

1982
AUG. 5 /

1982
SEPT 5 /

Seasonally adjusted
1. Total loans and securities?
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.

U.S. Treasury securities
Other securities
Total loans and leases?
Commercial and industrial loans
Real estate loans
Loans to individuals
Security loans
Loans to nonbank financial institutions
Agricultural loans
Lease financing receivables
All other loans 3

1982
OCT. 5 /

1982
MOV. 5 /

1982
DEC. 5/

1983
JAN. 5 /

Not seasonally adjusted

58.3

56.5

56.6

57.6

55.7

54^7

56.8

57.6

57.8

57.1

57.5

56.5

2-3
1.7
54.3
38.9
3.5
0.2
0.6
1.6

2.1
1.7
52.7
39.5
3.5
0.2
0.4
1.7

2.7
1.7
52.2
39.2
3.5
0.2
0.4
1.7

3.3
1.6
52.7
38:7
3.5
0.2
0.4
1.6

3.4
1.7
50.6
38.2
3.5
0.2
0.5
1.5

3.5
1.8
49.4
37.1
3.5
0.2
0.5
1.4

2.3
1.7
52.8
38.2
3.5
0.2
0.7
1.6

2.2
1.7
53.7
39.5
3.5
0.2
0.5
1.7

2.7
1.7
53.4
39.2
3.5
0.2
0.4
1.7

3.3
1.7
52.1
38.4
3.5
0.2
0.4
1.6

3.6
1.7
52.2
38.7
3.5

3.6

51.1
37.9
3.5

0.5
1.5

0.5
1.4

9.6

7.5

7.3

8.3

6.9

6.7

8.6

8.5

8.4

8.0

7.9

7.7

—————

————

www W
W

—

— — —

wwwww

0.2

1.8

0.2

1. Total loans and securities plus loans sold

r

2. Total loans plus loans sold
3. Total loans sold to affiliates
4. Commercial and industrial loans plus loans sold
5. Commercial and industrial loans sold
6. Acceptances held
,7. Other commercial and industrial loans
8. To U.S. addressees 4
9. To non U.S. addressees 4
10. Loans to foreign banks
11. Loans to commercial banks in the U.S.
1/

» — m ww

wwww w

WW
Www

www w W

ww

W
W
WW
W

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W
W
WW
W

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4.5
34.4
28.5
5.9
6.3

4.5
34.9
29.0
6.0
5.9

4.3
34.9
29.1
5.8
6.3

4.0
34.7
29.0
5.7
6.8

4.
34.
28.
5.
6.

0
2
7
5
2
—

3.
33.
27.
5.
6.

9
2
7
5
3
-

4.4
33.9
28.0
5.8
6.3
29.1

4.5
34.9
29.1
5.8
6.2
30.3

4.4
34.8
29.1
5.7
6.3
30.5

4.1
34.3
28.6
5.6
6.5
29.6

4.1
34.6
29.0
5.6
6.5
28.4

4.0
33.9
28.4
5.5
6.5
26.5

INCLUDES U . S . BRANCHES AND AGENCIES OF FOREIGN BANKS, NEB YORK INVESTMENT COMPANIES MAJORITY OWNED BY FOREIGN BANKS, AND
EDGE ACT CORPORATIONS OHNED BY DOMESTICALLY CHARTERED AND FOREIGN BANKS.
MONTH-END DATA ARB BASED ON WEEKLY REPORTS FROM
LARGE AGENCIES AMD BRANCHES AND QUARTERLY REPORTS FROM ALL FOREIGN RELATED I N S T I T U T I O N S .
2/
EXCLUDES LOANS TO COMMERCIAL BANKS I N THE U . S .
3/
SHALL AMOUNTS OF AGRICULTURAL LOANS, AND LEASE FINANCING RECEIVABLES (NOT SHOWN SEPARATELY) ARB INCLUDED IN "ALL
OTHER LOANS."
4/
U . S . INCLUDES THE 5 0 STATES AND THE D I S T R I C T OF COLUMBIA.
5/
BEGINNING I N DECEMBER, 1 9 8 1 , S H I F T S OF FOREIGN LOANS AND S E C U R I T I E S FROM U . S . BANKING O F F I C E S TO INTERNATIONAL BANKING
F A C I L I T I E S REDUCED THE LEVELS OF SEVERAL I T E M S .
THE SEASONALLY ADJUSTED LEVELS INCLUDING THE AMOUNTS SHIFTED FROM DOMESTIC
O F F I C E S TO I B F S ARE SHORN ON THE BACK PAGE.
NOTE:
DATA NOT AVAILABLE SEPARATELY WHERE DASHES ARE SHOWN.




LOANS AND INVESTMENTS ADJUSTED TO INCLUDE ASSETS SHIFTED TO
INTERNATIONAL BANKING FACILITIES (IBFS)*
( s e a s o n a l l y a d j u s t e d m o n t h l y a v e r a g e s , b i l l i o n s of d o l l a r s )

ALL
1.
3.
4.
5.
12.

G.7 I t e m s A f f e c t e d By
IBF S h i f t s
COMMERCIAL BANKS:
T o t a l l o a n s and s e c u r i t i e s
Other s e c u r i t i e s
T o t a l s l o a n s and l e a s e s
Commercial and i n d u s t r i a l l o a n s
All other loans

Memoranda 1. Item 1 above p l u s l o a n s s o l d
2 . Item 4 above p l u s l o a n s s o l d
Item 5 above p l u s l o a n s s o l d
4.
7. O t h e r C&I l o a n s
9 . C&I l o a n s t o n o n - U . S . a d d r e s s e e s
10. Loans t o f o r e i g n banks
DOMESTICALLY CHARTERED BANKS:
1. T o t a l l o a n s and s e c u r i t i e s
3. Other s e c u r i t i e s
4 . T o t a l l o a n s and l e a s e s
5. Commercial and i n d u s t r i a l l o a n s
12. A l l o t h e r l o a n s
Memoranda 1. Item 1 above p l u s l o a n s s o l d
2 . Item 4 above p l u s l o a n s s o l d
Item 5 above p l u s l o a n s s o l d
4.
7. O t h e r C&I l o a n s
9 . C&I l o a n s t o n o n - U . S . a d d r e s s e e s
10. Loans t o f o r e i g n banks
FOREIGN-RELATED INSTITUTIONS
1. T o t a l l o a n s and s e c u r i t i e s
3. O t h e r s e c u r i t i e s
4 . Toal l o a n s and l e a s e s
5. Commercial and i n d u s t r i a l l o a n s
12. A l l o t h e r l o a n s




1
1982
I 1981
May
Mar. I Apr.
Feb.
Jan.
1 Dec.
1
1
11338. 7 1349. 5 1363.6 1374.011385.0 1395.6
I 231. 8 232. 1 2 3 2 . 7 233.71 2 3 4 . 6 2 3 5 . 6
I 995. 9 1003. 3 1015.8 1025.911033.8 1043.8
I 368. 8 373. 1 3 7 9 . 6 384.31 387.7 3 9 4 . 0
65.4
60.9
62.11 6 3 . 7
57. 3
1 57. 3
|
|
1
1
11341.4 1352. 3 1366.4 1376.811387.9 1398.4
I 9 9 8 . 6 1006. 2 1018.6 1 0 2 8 . 7 | 1 0 3 6 . 6 1046.6
I 371. 0 376. 2 3 8 1 . 8 386.51 3 9 0 . 0 3 9 6 . 2
I 359. 8 365. 2 3 7 0 . 7 374.71 3 7 7 . 5 3 8 3 . 9
28.6
26.6
27.11 2 7 . 4
25. 7
I 25. 0
23.6
24.8
24.21 2 3 . 4
22. 3
I 22. 2
|
|
I
1
11255.,7 1267.,1 1277.5 1287.71 1298.8 1308.4
I 229.,8 229.,9 2 3 0 . 4 231.51 2 3 2 . 5 2 3 3 . 4
I 917.,1 925..8 9 3 5 . 0 945.01 9 5 2 . 9 961.7
I 317,.3 323..4 3 2 8 . 6 332.71 3 3 6 . 3 3 4 2 . 6
40.3
36.5
38.41 3 9 . 7
35..7
1 35..4
|
|
1
1
11258,.4 1270,.0 1280.2 1290.511301.6 1311.2
I 919 .9 928 .6 9 3 7 . 8 947.81 9 5 5 . 7 9 6 4 . 5
I 319 .5 325 .7 3 3 0 . 8 334.91 3 3 8 . 5 3 4 4 . 9
I 313 .4 3 1 9 . 8 3 2 4 . 6 328.21 3 3 1 . 1 3 3 7 . 3
9.6
9.0
8.8|
8.2
7 .7
1
6 .5
9.1
9.1
9.0
9.1 |
8.7
9 .2
1
|
j
1
1
87.2
86.2
86.31 8 6 . 2
82.4
I 83.0
2.2
2.1
2.2 |
2.2
2 .2
1
2 .0
82.1
8 0 . 9 | 81.0
80.0
77 .5
1 78 .7
51.4
51.0
51.61 5 1 . 5
50 .5
1 51 .4
25.1
23.71 2 4 . 0
24.4
21 .6
1 21 . 8
|
|
1
I

June

July

Aug.

Sept

1402. 0 1409. 6 1417. 3 1422.6
236. 5 2 3 6 . 5 237. 7 2 3 8 . 3
1049. 8 1056. 5 1061. 9 1066.1
398. 7 4 0 2 . 0 4 0 3 . 3 4 0 7 . 8
64.9
66. 7
64. 0
64. 1
1405. 0 1412. 4 1420. 2 1 4 2 5 . 4
1052. 7 1059. 4 1064. 7 1 0 6 9 . 0
4 0 1 . 0 4 0 4 . 3 405. 6 4 1 0 . 0
389. 6 3 9 3 . 3 394. 3 3 9 8 . 4
28.6
28. 5
28. 6
29. ,4
21.8
23. 2
23. 3
23. 0
1316.,1 1323. ,0 1329.,8 1 3 3 7 . 8
234.,4 234. ,3 235..5 2 3 6 . 1
968..8 974. .7 978..8 9 8 5 . 7
347..1 350. ,2 351..1 3 5 5 . 1
42.7
41..7
4 0 . ,1
40. .6
1319,.1 1325..8 1332..6 1340.7
971,.8 977..6 981..7 9 8 8 . 5
349,.4 352.,4 353..4 3 5 7 . 4
342,.7 346..2 346,.6 3 5 0 . 3
9.5
9 .3
9..6
10 .2
8.8
9,.3
9,.5
9 .4
85 .9
2 .2
81.0
51 . 6
23 .5

86 .6
2 .2
81 .8
51 .9
23 .9

87 .6
2 .2
83 .0
52 .2
25 .0

84.8
2.2
80.5
52.6
22.2

Memoranda
—
1. Item 1 above p l u s l o a n s s o l d
—
Item 4 above p l u s l o a n s s o l d
2.
—
Item 5 above p l u s l o a n s s o l d
4.
48.1
47 .7
47 .2
46 .9
46.6
46.1
46.51 4 6 . 4
45 .5
I 46 .4
7. O t h e r C&I l o a n s
19.1
19 .2
19 .0
19.2
19.0
18.4
18.21 18.4
18 .0
I 18 .5
9 . C&I l o a n s t o n o n - U . S . a d d r e s s e s
13.0
14 .0
13 . 8
13 .7
14.5
15.8
13 .7
15.11 14.3
I 13 .0
10. Loans t o f o r e i g n banks
* For each i t e m on t h e G.7 r e l e a s e t h a t i s a f f e c t e d by s h i f t s of a s s e t s t o IBFs, t h i s t a b l e p r o v i d e s s e a s o n a l l y
a d j u s t e d e s t i m a t e s i n c l u d i n g amounts s h i f t e d from U.S. b a n k i n g o f f i c e s t o IBFs. These a d j u s t e d l e v e l s a r e
a p p r o p r i a t e f o r m e a s u r i n g growth r a t e s in l o a n s and s e c u r i t i e s a b s t r a c t i n g from t h e b r e a k s in s e r i e s r e s u l t i n g
from t h e s h i f t s of a s s e t s t o IBFs. The b r e a k a d j u s t e d s e r i e s shown above was d e r i v e d by a d d i n g t h e IBF s h i f t s
b e f o r e s e a s o n a l a d j u s t m e n t and t h e n a v e r a g i n g s e a s o n a l l y a d j u s t e d d a t a in t h e u s u a l manner i . e . , a v e r a g i n g
weekly d a t a f o r d o m e s t i c a l l y c h a r t e r e d banks and a v e r a g i n g l a s t - W e d n e s d a y - o f - m o n t h d a t a f o r f o r e i g n - r e l a t e d
inst i t u t ions.