Federal Reserve Bulletin

Profits and Balance Sheet Developments at U.S. Commercial Banks in 2005

Figure 12. Selected domestic liabilities at banks as a proportion of their total domestic liabilities, 1990-2005. Data plotted as curves. Savings deposits begins in 1990 at about 20 percent, rises to reach about 25 percent in early 1993, and then falls to just over 20 percent in mid-1995. It then rises, on balance, to about 40 percent in early 2004 and remains there through the end of 2005. Small time deposits begins in 1990 at about 25 percent and then gradually trends down, on balance, to reach about 10 percent at the end of 2005. Transaction deposits begins in 1990 at about 25 percent and rises to reach about 30 percent in late 1993. It then declines to about 15 percent in late 2000, remains roughly at that level for three years, and then declines, on balance, to reach about 10 percent at the end of 2005.

Note: The data are quarterly. Savings deposits include money market deposit accounts.  Return to article