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adjusted annual rate amount April assets balances bank credit Bank of St bank reserves billion Board of Governors bonds borrow business activity changes Chart commercial banks commodities cotton daily average December decline demand deposits adjusted demand for credit demand for funds discount rates Dollars durable Eighth District employment estimated expansion expenditures exports farm income farm real estate Federal debt Federal Reserve Act Federal Reserve Bank Federal Reserve System financing Government securities gross national product growth increase inflation interest rates inventories investment January June labor force Latest data plotted loans Louis Louisville Branch manufacturing ment money supply months November October output payments percentage point period postwar purchases quarter of 1959 real estate values recent reserve requirements rise rose savings seasonally adjusted annual short-term spending steel sumer tion tobacco Treasury bills U. S. Government United vault cash volume wholesale price wholesale price index yields