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A.1. Portfolio composition, interest rates, and income and expense, U.S. banks
A. All banks
Item 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
 
Interest-earning assets 87.38 87.15 86.76 87.03 87.13 86.49 86.42 86.08 86.90 86.83
Loans and leases, net 59.91 58.72 58.33 59.34 60.48 58.95 57.83 56.88 56.98 57.88
Commercial and industrial 15.59 15.77 16.36 17.07 17.16 16.08 14.07 12.18 11.06 11.17
U.S. addressees 13.06 13.17 13.61 14.43 14.67 13.69 12.04 10.48 9.52 9.63
Foreign addressees 2.53 2.60 2.75 2.64 2.49 2.39 2.04 1.70 1.54 1.53
Consumer 12.27 11.50 10.41 9.71 9.38 9.23 9.35 9.06 9.18 9.12
Credit card 4.93 4.62 4.02 3.51 3.52 3.63 3.78 3.55 3.86 4.05
Installment and other 7.34 6.88 6.39 6.20 5.87 5.60 5.57 5.51 5.31 5.06
Real estate 25.04 25.00 24.85 25.44 27.04 27.10 28.39 29.91 30.78 32.40
In domestic offices 24.42 24.39 24.28 24.87 26.49 26.60 27.91 29.46 30.25 31.84
Construction and land development 1.63 1.73 1.86 2.18 2.51 2.85 2.98 2.99 3.25 3.89
Farmland .56 .55 .55 .56 .56 .55 .56 .54 .54 .54
One- to four-family residential 14.42 14.41 14.25 14.10 14.96 14.67 15.40 16.96 17.42 18.27
Home equity 1.85 1.94 1.89 1.76 1.96 2.18 2.80 3.40 4.34 4.95
Other 12.57 12.47 12.37 12.34 13.00 12.49 12.60 13.57 13.09 13.32
Multifamily residential .85 .83 .82 .88 .99 .97 1.02 1.05 1.06 1.08
Nonfarm nonresidential 6.96 6.88 6.80 7.15 7.48 7.56 7.95 7.91 7.98 8.06
In foreign offices .63 .61 .57 .57 .54 .50 .48 .46 .53 .56
To depository institutions and acceptances of other banks 2.33 1.93 1.91 1.96 1.87 1.83 1.87 1.98 2.11 1.73
Foreign governments .26 .18 .15 .16 .12 .10 .09 .08 .08 .06
Agricultural production .92 .90 .89 .83 .78 .75 .70 .63 .59 .56
Other loans 3.32 2.80 2.78 2.75 2.58 2.34 2.06 2.00 2.35 2.09
Lease-financing receivables 1.51 1.87 2.13 2.52 2.63 2.58 2.44 2.11 1.79 1.58
Less: Unearned income on loans -.12 -.09 -.07 -.06 -.05 -.04 -.05 -.04 -.04 -.03
Less: Loss reserves1 -1.21 -1.13 -1.07 -1.04 -1.02 -1.04 -1.11 -1.04 -.91 -.79
Securities 21.00 20.40 20.37 20.40 20.01 19.53 21.27 21.90 22.57 22.05
Investment account 18.19 17.23 17.48 18.33 17.59 16.82 18.30 18.97 18.99 17.87
Debt 17.74 16.74 16.93 17.73 16.93 16.48 17.99 18.72 18.79 17.71
U.S. Treasury 4.19 3.38 2.71 2.14 1.66 .85 .78 .90 .89 .62
U.S. government agency and corporation obligations 9.74 9.73 10.28 10.85 10.31 10.08 11.46 12.26 12.37 11.51
Government-backed mortgage pools 4.80 4.93 5.16 5.24 4.75 5.13 6.09 6.75 7.13 6.78
Collateralized mortgage obligations 2.11 1.93 2.12 2.15 1.92 1.95 2.35 2.34 2.01 1.80
Other 2.83 2.86 2.99 3.46 3.63 2.99 3.02 3.17 3.22 2.93
State and local government 1.68 1.59 1.57 1.62 1.52 1.49 1.49 1.48 1.41 1.36
Private mortgage-backed securities .61 .50 .67 .88 .95 1.09 1.25 1.30 1.41 1.76
Other 1.51 1.54 1.70 2.24 2.48 2.98 3.01 2.78 2.72 2.47
Equity .45 .50 .55 .61 .66 .34 .31 .25 .20 .16
Trading account 2.81 3.16 2.90 2.06 2.43 2.72 2.97 2.93 3.58 4.17
Gross federal funds sold and reverse RPs 3.81 5.18 5.37 4.61 4.12 5.11 4.81 4.85 4.58 4.75
Interest-bearing balances at depositories 2.66 2.86 2.69 2.68 2.52 2.90 2.52 2.45 2.76 2.15
Non-interest-earning assets 12.62 12.85 13.24 12.97 12.87 13.51 13.58 13.92 13.10 13.17
Revaluation gains held in trading accounts 2.24 2.59 2.95 2.57 2.28 2.37 2.42 2.70 2.19 1.82
Other 10.37 10.26 10.29 10.40 10.58 11.15 11.16 11.22 10.91 11.36
 
Liabilities 91.73 91.57 91.51 91.52 91.58 91.25 90.85 90.96 90.57 89.91
Core deposits 52.72 50.89 49.43 48.60 46.52 47.07 48.98 49.18 48.56 47.54
Transaction deposits 17.57 15.76 14.10 12.58 11.07 10.36 10.06 9.73 9.10 8.46
Demand deposits 12.81 12.15 10.99 9.78 8.61 8.00 7.67 7.26 6.58 6.16
Other checkable deposits 4.75 3.61 3.11 2.81 2.46 2.36 2.39 2.47 2.52 2.30
Savings deposits (including MMDAs) 19.07 19.76 20.87 22.47 22.43 24.53 28.13 30.12 31.19 30.85
Small time deposits 16.08 15.37 14.46 13.55 13.01 12.18 10.80 9.33 8.27 8.24
Managed liabilities2 32.77 34.13 34.97 36.59 38.83 37.42 35.05 34.61 35.69 36.22
Large time deposits 6.52 7.25 7.67 7.89 8.76 8.89 8.30 8.09 8.00 9.08
Deposits booked in foreign offices 10.45 10.48 10.59 10.96 11.43 10.66 9.42 9.38 10.24 10.39
Subordinated notes and debentures 1.07 1.15 1.30 1.36 1.37 1.43 1.40 1.33 1.30 1.34
Gross federal funds purchased and RPs 7.18 8.13 7.98 7.97 7.83 7.95 7.77 7.75 7.24 7.05
Other managed liabilities 7.54 7.13 7.43 8.41 9.44 8.49 8.16 8.06 8.91 8.37
Revaluation losses held in trading accounts 2.14 2.64 2.97 2.52 2.29 2.21 2.09 2.30 1.95 1.67
Other 4.10 3.91 4.14 3.81 3.94 4.54 4.73 4.87 4.36 4.47
 
Capital account 8.27 8.43 8.49 8.48 8.42 8.75 9.15 9.04 9.43 10.09
 
Memo  
Commercial real estate loans3 9.91 9.98 10.11 10.87 11.58 12.09 12.57 12.47 12.78 13.51
Other real estate owned4 .14 .11 .08 .06 .05 .05 .06 .06 .06 .04
Mortgage-backed securities 7.53 7.37 7.96 8.27 7.63 8.17 9.69 10.39 10.56 10.33
Federal Home Loan Bank advances n.a. n.a. n.a. n.a. n.a. 2.89 3.17 3.19 3.07 3.04
Average net consolidated assets (billions of dollars) 4,379 4,737 5,148 5,439 5,906 6,334 6,635 7,249 7,879 8,592

1. Includes allocated transfer risk reserve.  Return to table

2. Measured as the sum of large time deposits in domestic offices, deposits booked in foreign offices, subordinated notes and debentures, federal funds purchased and securities sold under repurchase agreements, Federal Home Loan Bank advances, and other borrowed money.  Return to table

3. Measured as the sum of construction and land development loans secured by real estate; real estate loans secured by nonfarm nonresidential properties or by multifamily residential properties; and loans to finance commercial real estate, construction, and land development activities not secured by real estate.  Return to table

4. Other real estate owned is a component of other non-interest-earning assets.  Return to table  Return to text
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Last update: February 5, 2009