Profits and Balance Sheet Developments at U.S. Commercial Banks in 2008
Figure 17. Selected domestic liabilities at banks as a proportion of their total domestic liabilities, 1990-2008.
Data are plotted as curves. Savings deposits as a proportion of total domestic liabilities starts in 1990 at about 20 percent, increases to about 26 percent by the beginning of 1993, declines to 22 percent by the beginning of 1995, increases, on balance, to nearly 40 percent in 2004, and declines to about 36 percent by year-end 2008. Small time deposits in 1990 are about 24 percent of banks' total domestic liabilities. They increase to about 26 percent in 1991, and then trend downward, on balance, to about 10 percent by the end of 2004. They rise slightly to end 2008 at about 13 percent. Banks' transaction deposits as a proportion of their total domestic liabilities are about 23 percent in 1990. They rise, on balance, to a peak of 28 percent by the end of 1993, begin to decline, to a low of 7.7 percent in the third quarter of 2007, and then rise slightly, to end 2008 at about 8.8 percent.
NOTE: The data are quarterly. Savings deposits include money market deposit accounts.