H.8 (510) ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For use at 4:15 p.m. Eastern Time Seasonally adjusted, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,031.8 5,215.5 5,263.0 5,272.6 5,282.5 5,304.2 5,313.1 5,307.4 5,309.7 5,299.6 5,282.9 5,276.3 2 Securities in bank credit 1,303.2 1,335.4 1,356.6 1,350.8 1,345.4 1,360.9 1,369.2 1,378.2 1,375.9 1,369.4 1,372.0 1,362.3 3 Treasury and Agency securities (2) 817.5 788.7 786.3 777.5 758.7 767.1 769.7 767.9 764.1 760.4 766.5 767.1 4 Other securities 485.8 546.7 570.3 573.3 586.6 593.8 599.5 610.4 611.9 609.1 605.5 595.2 5 Loans and leases in bank credit (3) 3,728.6 3,880.1 3,906.4 3,921.8 3,937.2 3,943.3 3,943.9 3,929.2 3,933.8 3,930.1 3,911.0 3,913.9 6 Commercial and industrial 1,064.5 1,089.0 1,101.1 1,105.7 1,103.8 1,100.5 1,097.6 1,080.5 1,083.2 1,076.0 1,065.9 1,064.4 7 Real estate 1,595.5 1,656.1 1,658.6 1,669.5 1,677.4 1,683.6 1,694.1 1,696.4 1,696.2 1,695.6 1,696.0 1,704.3 8 Revolving home equity 115.4 129.9 132.2 133.9 135.7 137.0 138.7 139.8 139.8 140.6 140.7 140.6 9 Other 1,480.2 1,526.2 1,526.4 1,535.6 1,541.7 1,546.6 1,555.5 1,556.7 1,556.4 1,555.0 1,555.3 1,563.7 10 Consumer 517.4 542.3 547.0 546.5 544.9 549.3 553.0 550.9 552.8 550.2 547.4 548.9 11 Security (4) 153.0 168.7 169.9 168.2 173.5 174.1 163.0 166.9 165.3 174.0 166.7 162.5 12 Other loans and leases 398.0 424.1 429.8 431.9 437.6 435.8 436.2 434.5 436.4 434.3 435.0 433.9 13 Interbank loans 225.6 252.2 270.4 267.2 276.1 293.2 287.1 272.2 283.1 270.4 261.2 268.4 14 Cash assets (5) 269.9 267.2 273.4 265.4 268.4 270.6 263.7 255.9 257.2 259.9 265.7 270.5 15 Other assets (6) 378.4 397.1 412.1 414.0 431.0 431.6 425.5 420.1 415.4 422.5 427.0 399.8 16 TOTAL ASSETS (7) 5,845.7 6,068.1 6,154.1 6,154.3 6,193.3 6,234.4 6,224.3 6,190.6 6,200.4 6,187.4 6,171.9 6,149.8 L I A B I L I T I E S 17 Deposits 3,669.2 3,847.7 3,892.1 3,890.6 3,925.1 3,987.5 4,000.9 4,033.8 4,026.8 4,024.9 4,086.5 4,063.4 18 Transaction 616.4 601.9 608.2 607.7 606.9 610.3 613.9 601.8 608.1 629.0 594.2 599.3 19 Nontransaction 3,052.8 3,245.7 3,283.9 3,283.0 3,318.2 3,377.2 3,387.0 3,431.9 3,418.6 3,395.9 3,492.3 3,464.1 20 Large time 897.1 934.7 941.8 936.9 935.0 947.8 962.2 975.0 973.0 970.6 990.1 981.0 21 Other 2,155.7 2,311.0 2,342.1 2,346.1 2,383.3 2,429.4 2,424.8 2,457.0 2,445.6 2,425.4 2,502.2 2,483.1 22 Borrowings 1,206.5 1,242.4 1,264.2 1,259.2 1,243.5 1,278.1 1,248.0 1,214.8 1,207.5 1,216.1 1,204.0 1,220.1 23 From banks in the U.S. 378.7 396.7 397.2 396.2 395.5 405.1 385.0 383.7 385.9 381.0 385.9 392.8 24 From others 827.8 845.7 866.9 863.0 848.0 873.1 863.0 831.1 821.6 835.1 818.0 827.3 25 Net due to related foreign offices 257.7 225.8 221.2 219.4 233.2 189.7 207.0 184.1 194.1 200.7 159.3 163.9 26 Other liabilities 305.7 345.4 364.8 343.1 351.4 346.1 336.1 347.0 360.2 337.3 325.3 313.1 27 TOTAL LIABILITIES 5,439.1 5,661.4 5,742.4 5,712.3 5,753.2 5,801.4 5,792.0 5,779.6 5,788.6 5,778.9 5,775.1 5,760.5 28 Residual (assets less liabilities) (8) 406.6 406.7 411.7 442.0 440.1 433.0 432.2 411.0 411.9 408.5 396.8 389.2 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,025.6 5,251.9 5,277.9 5,267.6 5,269.8 5,296.6 5,302.4 5,300.3 5,295.0 5,291.3 5,287.0 5,255.2 2 Securities in bank credit 1,302.2 1,341.0 1,361.8 1,352.6 1,349.5 1,362.5 1,368.4 1,377.6 1,373.1 1,365.4 1,368.3 1,354.9 3 Treasury and Agency securities (2) 817.2 788.5 788.5 779.3 764.6 771.9 770.5 768.2 762.8 758.5 765.7 764.5 4 Other securities 485.1 552.5 573.3 573.3 584.9 590.6 597.9 609.3 610.3 606.9 602.5 590.3 5 Loans and leases in bank credit (3) 3,723.3 3,910.9 3,916.1 3,915.0 3,920.3 3,934.1 3,933.9 3,922.7 3,921.9 3,925.9 3,918.7 3,900.3 6 Commercial and industrial 1,066.6 1,091.2 1,098.4 1,105.1 1,105.3 1,105.2 1,099.8 1,082.7 1,084.5 1,080.1 1,074.3 1,064.5 7 Real estate 1,594.9 1,660.7 1,657.6 1,662.9 1,670.0 1,679.3 1,694.5 1,695.8 1,690.8 1,696.4 1,696.5 1,703.6 8 Revolving home equity 115.5 130.0 131.3 132.7 134.1 136.0 138.7 139.9 139.9 141.1 141.0 140.9 9 Other 1,479.4 1,530.7 1,526.3 1,530.2 1,535.9 1,543.3 1,555.8 1,555.9 1,550.9 1,555.2 1,555.5 1,562.6 10 Consumer 515.2 548.2 551.4 547.2 541.1 546.1 550.8 548.2 548.5 550.9 545.7 544.9 10a Credit card and related plans -- 218.2 218.3 213.3 209.1 214.2 218.8 216.7 216.6 218.8 215.0 213.7 10b Other -- 330.0 333.1 333.9 332.0 331.9 332.0 331.5 331.9 332.1 330.7 331.3 11 Security (4) 149.3 180.8 177.7 171.0 169.6 169.8 157.0 162.4 164.5 166.3 159.9 152.6 12 Other loans and leases 397.4 430.0 431.0 428.8 434.3 433.7 431.8 433.6 433.6 432.2 442.3 434.7 13 Interbank loans 226.8 260.9 272.4 269.0 283.5 299.3 280.3 269.8 274.8 256.9 271.3 264.3 14 Cash assets (5) 265.8 286.5 289.4 266.5 258.6 266.4 261.7 252.3 253.4 248.8 282.7 260.1 15 Other assets (6) 378.8 403.3 414.0 413.2 430.3 431.4 425.8 420.8 414.7 421.0 432.7 399.6 16 TOTAL ASSETS (7) 5,836.8 6,138.7 6,189.3 6,151.3 6,177.3 6,228.8 6,205.0 6,178.1 6,172.9 6,153.0 6,208.7 6,114.2 L I A B I L I T I E S 17 Deposits 3,653.8 3,894.2 3,907.0 3,907.6 3,935.5 4,006.7 3,988.9 4,014.9 3,988.9 3,976.1 4,103.1 4,038.8 18 Transaction 615.8 631.1 620.0 599.5 600.9 616.5 604.2 601.5 601.5 616.6 627.5 592.7 19 Nontransaction 3,038.0 3,263.1 3,287.0 3,308.1 3,334.6 3,390.2 3,384.7 3,413.5 3,387.4 3,359.4 3,475.6 3,446.1 20 Large time 888.7 948.7 954.8 948.5 938.2 949.1 960.9 965.5 962.6 957.3 970.8 965.8 21 Other 2,149.4 2,314.4 2,332.2 2,359.6 2,396.4 2,441.1 2,423.8 2,448.0 2,424.8 2,402.1 2,504.8 2,480.3 22 Borrowings 1,207.6 1,245.3 1,281.4 1,262.8 1,241.9 1,278.8 1,253.1 1,215.7 1,222.4 1,217.3 1,204.2 1,212.5 23 From banks in the U.S. 379.5 398.6 403.5 400.6 399.1 408.3 388.2 384.5 389.9 380.6 387.1 391.0 24 From others 828.1 846.7 878.0 862.3 842.8 870.5 865.0 831.1 832.5 836.7 817.2 821.5 25 Net due to related foreign offices 253.5 230.6 225.4 225.5 232.2 182.7 206.2 180.2 185.0 199.4 155.0 155.0 26 Other liabilities 303.6 347.9 367.3 347.0 350.1 341.2 336.7 344.9 354.6 337.7 322.2 306.6 27 TOTAL LIABILITIES 5,418.6 5,718.0 5,781.0 5,742.9 5,759.7 5,809.5 5,784.9 5,755.7 5,750.9 5,730.4 5,784.6 5,712.9 28 Residual (assets less liabilities) (8) 418.2 420.7 408.2 408.4 417.6 419.3 420.0 422.4 422.0 422.7 424.1 401.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,455.9 4,616.1 4,649.5 4,665.5 4,662.0 4,688.0 4,710.6 4,713.7 4,713.9 4,704.5 4,698.7 4,707.3 2 Securities in bank credit 1,098.6 1,130.3 1,148.2 1,152.0 1,139.7 1,146.3 1,158.9 1,165.9 1,163.6 1,156.2 1,156.4 1,154.3 3 Treasury and Agency securities (2) 739.0 719.5 719.8 713.2 690.7 692.0 699.9 700.0 696.9 692.5 696.4 701.4 4 Other securities 359.6 410.8 428.3 438.8 449.0 454.3 459.0 465.9 466.7 463.7 459.9 452.8 5 Loans and leases in bank credit (3) 3,357.3 3,485.7 3,501.3 3,513.5 3,522.3 3,541.7 3,551.7 3,547.8 3,550.3 3,548.3 3,542.3 3,553.0 6 Commercial and industrial 859.7 880.0 886.7 889.0 883.9 880.1 879.0 869.8 871.7 866.3 861.6 864.8 7 Real estate 1,577.6 1,637.6 1,640.1 1,650.8 1,658.9 1,665.7 1,676.1 1,678.6 1,678.3 1,677.7 1,678.1 1,686.7 8 Revolving home equity 115.4 129.9 132.2 133.9 135.7 137.0 138.7 139.8 139.8 140.6 140.7 140.6 9 Other 1,462.2 1,507.7 1,508.0 1,516.9 1,523.2 1,528.7 1,537.4 1,538.9 1,538.6 1,537.1 1,537.5 1,546.2 10 Consumer 517.4 542.3 547.0 546.5 544.9 549.3 553.0 550.9 552.8 550.2 547.4 548.9 11 Security (4) 70.3 68.6 64.8 62.9 66.9 78.8 75.2 80.7 79.0 86.5 85.4 82.5 12 Other loans and leases 332.3 357.4 362.6 364.3 367.6 367.8 368.4 367.7 368.5 367.5 369.7 370.1 13 Interbank loans 199.3 225.1 241.2 238.8 245.5 263.8 255.2 247.5 251.9 249.2 237.0 243.2 14 Cash assets (5) 225.3 227.3 231.9 223.7 227.7 231.3 226.2 219.9 219.8 223.9 231.1 234.8 15 Other assets (6) 336.6 360.9 375.0 377.6 392.6 390.4 386.6 381.0 377.4 377.6 392.5 366.6 16 TOTAL ASSETS (7) 5,157.4 5,365.9 5,433.2 5,441.0 5,463.5 5,508.7 5,513.9 5,497.5 5,498.2 5,490.6 5,494.8 5,487.0 L I A B I L I T I E S 17 Deposits 3,283.4 3,467.7 3,505.5 3,510.1 3,546.4 3,595.0 3,594.2 3,616.6 3,608.1 3,610.9 3,659.7 3,640.2 18 Transaction 605.2 591.3 598.0 597.4 597.4 599.8 603.4 592.3 597.9 620.1 583.9 589.4 19 Nontransaction 2,678.1 2,876.4 2,907.5 2,912.7 2,949.0 2,995.2 2,990.7 3,024.3 3,010.2 2,990.8 3,075.7 3,050.8 20 Large time 523.1 563.9 567.5 568.8 567.9 568.0 568.2 569.6 566.9 567.7 575.8 569.9 21 Other 2,155.0 2,312.5 2,340.0 2,343.9 2,381.0 2,427.2 2,422.6 2,454.7 2,443.3 2,423.1 2,499.9 2,480.8 22 Borrowings 1,003.6 1,002.8 1,020.7 1,020.8 1,010.2 1,042.1 1,031.7 1,001.4 992.2 1,000.5 986.2 1,016.7 23 From banks in the U.S. 359.5 374.5 372.1 373.7 371.3 381.5 365.5 361.5 361.0 359.9 358.4 373.2 24 From others 644.1 628.3 648.6 647.1 638.9 660.6 666.1 639.9 631.2 640.6 627.8 643.5 25 Net due to related foreign offices 236.0 227.6 217.7 214.6 211.5 185.5 211.7 204.1 202.9 213.4 198.4 200.8 26 Other liabilities 229.2 272.8 285.2 266.1 268.8 257.8 249.8 262.5 273.9 255.0 245.7 234.9 27 TOTAL LIABILITIES 4,752.2 4,970.8 5,029.1 5,011.6 5,036.9 5,080.4 5,087.4 5,084.6 5,077.0 5,079.8 5,090.0 5,092.6 28 Residual (assets less liabilities) (8) 405.2 395.1 404.1 429.4 426.5 428.3 426.5 413.0 421.2 410.8 404.8 394.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 4 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,452.9 4,641.7 4,656.3 4,657.3 4,654.1 4,683.2 4,704.5 4,710.2 4,701.6 4,699.4 4,705.1 4,691.8 2 Securities in bank credit 1,097.6 1,135.9 1,153.3 1,153.8 1,143.8 1,147.9 1,158.1 1,165.2 1,160.8 1,152.2 1,152.7 1,146.8 3 Treasury and Agency securities (2) 738.7 719.3 722.0 715.0 696.6 696.9 700.8 700.3 695.6 690.6 695.7 698.9 4 Other securities 358.9 416.6 431.3 438.8 447.2 451.0 457.4 464.9 465.2 461.6 457.0 447.9 5 Loans and leases in bank credit (3) 3,355.3 3,505.8 3,502.9 3,503.5 3,510.3 3,535.3 3,546.4 3,545.0 3,540.8 3,547.2 3,552.4 3,545.0 6 Commercial and industrial 862.9 879.8 882.3 886.1 884.3 886.5 884.3 873.2 874.3 870.7 869.8 865.9 7 Real estate 1,576.9 1,642.2 1,639.2 1,644.3 1,651.5 1,661.3 1,676.5 1,678.0 1,673.0 1,678.5 1,678.6 1,686.0 8 Revolving home equity 115.5 130.0 131.3 132.7 134.1 136.0 138.7 139.9 139.9 141.1 141.0 140.9 9 Other 1,461.4 1,512.2 1,507.8 1,511.5 1,517.4 1,525.3 1,537.8 1,538.0 1,533.0 1,537.4 1,537.7 1,545.1 10 Consumer 515.2 548.2 551.4 547.2 541.1 546.1 550.8 548.2 548.5 550.9 545.7 544.9 10a Credit card and related plans -- 218.2 218.3 213.3 209.1 214.2 218.8 216.7 216.6 218.8 215.0 213.7 10d Other -- 330.0 333.1 333.9 332.0 331.9 332.0 331.5 331.9 332.1 330.7 331.3 11 Security (4) 68.1 74.6 67.4 64.7 68.9 75.8 70.0 78.1 78.3 80.7 81.3 76.7 12 Other loans and leases 332.2 361.1 362.7 361.2 364.4 365.5 364.8 367.4 366.8 366.4 377.0 371.5 13 Interbank loans 200.5 233.9 243.2 240.6 252.8 269.9 248.4 245.1 243.5 235.6 247.2 239.1 14 Cash assets (5) 222.3 243.8 245.3 224.7 219.2 228.7 225.1 217.4 217.2 214.1 249.1 225.8 15 Other assets (6) 338.5 365.4 375.7 375.8 391.3 391.1 387.4 383.2 378.3 378.3 399.6 367.2 16 TOTAL ASSETS (7) 5,154.4 5,421.3 5,456.4 5,433.7 5,453.0 5,508.3 5,500.7 5,491.1 5,475.9 5,462.8 5,536.3 5,459.2 L I A B I L I T I E S 17 Deposits 3,274.0 3,503.5 3,510.4 3,518.8 3,552.3 3,611.3 3,581.0 3,604.8 3,578.5 3,569.7 3,690.2 3,627.8 18 Transaction 604.8 619.8 609.6 589.4 591.7 606.6 594.1 592.0 591.4 607.7 616.7 582.8 19 Nontransaction 2,669.3 2,883.7 2,900.8 2,929.4 2,960.6 3,004.8 2,986.9 3,012.8 2,987.1 2,962.0 3,073.5 3,045.0 20 Large time 520.6 567.7 570.8 572.1 566.4 565.9 565.3 567.0 564.6 562.1 570.9 566.9 21 Other 2,148.6 2,315.9 2,330.0 2,357.3 2,394.2 2,438.9 2,421.6 2,445.8 2,422.5 2,399.9 2,502.5 2,478.0 22 Borrowings 1,004.7 1,005.7 1,038.0 1,024.4 1,008.6 1,042.8 1,036.8 1,002.3 1,007.1 1,001.7 986.5 1,009.1 23 From banks in the U.S. 360.2 376.4 378.3 378.1 374.9 384.8 368.6 362.3 365.0 359.5 359.5 371.4 24 From others 644.5 629.3 659.7 646.3 633.7 658.1 668.1 639.9 642.1 642.2 627.0 637.8 25 Net due to related foreign offices 235.1 227.7 218.6 217.4 210.3 183.1 214.1 203.4 200.5 215.5 195.1 195.1 26 Other liabilities 228.6 273.1 286.2 268.7 267.5 255.0 251.9 261.9 271.5 256.9 243.1 229.9 27 TOTAL LIABILITIES 4,742.4 5,010.0 5,053.2 5,029.3 5,038.7 5,092.2 5,083.8 5,072.4 5,057.6 5,043.8 5,114.8 5,061.9 28 Residual (assets less liabilities) (8) 412.0 411.2 403.2 404.4 414.4 416.1 417.0 418.8 418.3 419.1 421.4 397.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 5 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,512.3 2,553.4 2,569.3 2,578.6 2,584.3 2,605.7 2,618.3 2,617.4 2,610.0 2,613.9 2,603.2 2,601.4 2 Securities in bank credit 581.2 580.9 592.3 595.4 591.2 597.6 607.6 611.4 608.4 603.1 599.6 595.5 3 Treasury and Agency securities (2) 365.5 352.2 353.4 349.5 338.9 341.8 349.8 348.0 344.2 341.1 341.3 346.0 3a Trading account 22.7 28.8 34.2 37.5 35.4 33.7 35.3 35.1 32.9 28.2 34.1 38.6 3b Investment account 342.8 323.4 319.2 312.0 303.4 308.1 314.5 312.9 311.3 312.9 307.2 307.4 4 Other securities 215.7 228.7 238.9 245.9 252.3 255.8 257.8 263.4 264.2 261.9 258.4 249.5 4a Trading account 100.5 119.0 126.0 129.3 132.5 135.9 137.0 143.5 143.0 143.2 140.3 130.6 4b Investment account 115.3 109.8 112.9 116.6 119.9 119.9 120.8 119.9 121.2 118.8 118.1 118.9 4c State and local government 25.6 26.3 27.1 27.6 28.1 28.4 28.1 27.9 28.3 27.6 27.5 27.8 4d Other 89.7 83.5 85.8 89.0 91.8 91.5 92.7 92.0 93.0 91.1 90.6 91.1 5 Loans and leases in bank credit (3) 1,931.1 1,972.5 1,977.0 1,983.2 1,993.1 2,008.1 2,010.7 2,006.0 2,001.5 2,010.8 2,003.6 2,005.9 6 Commercial and industrial 585.8 589.3 591.4 591.7 585.8 582.6 581.6 571.1 571.7 568.5 562.2 563.5 6a Bankers acceptances 1.0 1.0 0.8 0.8 0.8 0.8 0.8 0.7 0.8 0.8 -- -- 6b Other 584.7 588.3 590.5 590.9 585.0 581.8 580.8 570.4 570.9 567.7 562.2 563.5 7 Real estate 808.8 819.6 820.2 826.5 834.7 841.4 847.1 845.7 842.2 845.2 844.2 849.6 8 Revolving home equity 74.7 84.0 85.8 87.1 89.0 90.1 90.7 90.9 90.5 91.6 91.2 90.9 9 Other 734.1 735.6 734.4 739.3 745.7 751.3 756.4 754.8 751.6 753.6 753.0 758.7 10 Consumer 229.9 241.5 243.0 245.0 246.5 248.1 250.5 252.4 253.1 253.9 252.6 252.6 11 Security (4) 63.9 61.4 57.7 55.3 58.8 70.2 66.4 72.1 70.2 77.9 76.9 73.8 11a Fed funds and RPs with broker/dealer 44.0 46.3 41.7 39.4 43.6 53.8 49.3 54.6 52.3 60.1 59.7 57.5 11b Other 19.9 15.2 16.0 15.9 15.2 16.4 17.1 17.5 17.9 17.8 17.2 16.3 12a State and local government 12.3 12.6 12.8 12.9 13.0 13.0 12.9 13.3 12.7 14.3 14.2 14.2 12b Agricultural 9.5 10.0 10.1 10.3 10.4 10.4 10.7 10.5 10.5 10.4 10.2 10.2 12c Fed funds and RPs with others 13.6 21.0 25.8 26.1 26.0 22.9 23.5 25.4 25.1 25.6 28.0 31.9 12d All other loans 84.3 87.7 86.6 85.6 86.6 87.6 85.3 84.7 85.4 85.0 85.5 80.6 12e Lease financing receivables 122.9 129.4 129.5 129.9 131.3 132.0 132.6 130.8 130.7 130.0 129.7 129.6 13 Interbank loans 133.4 137.7 153.9 141.1 137.4 145.3 131.5 127.6 128.4 125.9 121.5 128.1 13a Fed funds and RPs with banks 67.4 63.8 79.0 70.4 70.4 81.8 71.0 70.4 73.4 69.1 65.2 63.9 13b Other 66.0 73.9 74.9 70.7 67.0 63.5 60.4 57.2 55.0 56.8 56.2 64.1 14 Cash assets (5) 147.0 144.1 146.3 137.6 142.0 144.7 139.1 134.8 135.3 136.5 142.8 138.0 15 Other assets (6) 226.1 248.6 260.2 262.6 272.2 266.6 263.9 252.5 251.3 251.1 253.2 256.9 16 TOTAL ASSETS (7) 2,984.2 3,047.2 3,092.3 3,082.2 3,098.3 3,124.6 3,115.3 3,094.8 3,087.5 3,089.9 3,083.1 3,086.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 6 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars (continued) July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,651.3 1,672.9 1,680.7 1,674.1 1,700.6 1,725.0 1,716.1 1,720.6 1,710.3 1,715.4 1,745.5 1,721.3 18 Transaction 310.7 297.2 300.4 298.3 301.5 301.2 302.2 297.7 299.5 312.4 295.7 291.3 19 Nontransaction 1,340.5 1,375.7 1,380.3 1,375.8 1,399.0 1,423.8 1,414.0 1,422.9 1,410.8 1,402.9 1,449.7 1,430.0 20 Large time 258.0 265.3 267.2 262.7 265.0 264.9 267.2 270.6 267.9 267.5 274.5 268.8 21 Other 1,082.6 1,110.4 1,113.1 1,113.2 1,134.0 1,158.8 1,146.7 1,152.3 1,143.0 1,135.4 1,175.2 1,161.2 22 Borrowings 658.8 666.3 676.8 679.5 676.9 705.5 691.5 663.2 650.7 658.5 650.4 678.5 23 From banks in the U.S. 196.1 214.0 213.9 215.6 219.6 229.8 212.6 210.2 208.7 205.2 208.9 222.1 24 From others 462.7 452.3 462.9 463.9 457.3 475.6 478.9 453.1 442.0 453.2 441.5 456.4 25 Net due to related foreign offices 226.9 206.7 200.9 197.9 196.1 172.7 195.1 190.9 191.3 200.2 187.3 189.7 26 Other liabilities 175.2 218.7 231.8 212.2 212.7 201.3 192.8 205.1 216.2 197.5 188.3 183.0 27 TOTAL LIABILITIES 2,712.1 2,764.6 2,790.3 2,763.8 2,786.2 2,804.5 2,795.5 2,779.8 2,768.5 2,771.5 2,771.5 2,772.5 28 Residual (assets less liabilities) (8) 272.1 282.7 302.1 318.3 312.1 320.1 319.8 315.0 319.0 318.4 311.6 314.0 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 7 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,506.2 2,574.6 2,580.4 2,581.4 2,580.8 2,601.3 2,611.8 2,612.0 2,604.4 2,598.4 2,601.6 2,585.6 2 Securities in bank credit 578.4 587.3 598.1 599.2 593.1 596.5 605.3 609.1 604.7 595.8 594.8 587.4 3 Treasury and Agency securities (2) 363.4 352.8 356.2 353.2 342.5 344.0 349.1 346.7 342.0 336.0 339.4 342.8 3a Trading account 22.6 28.9 34.5 37.9 35.8 34.0 35.2 35.0 32.7 27.8 33.9 38.2 3b Investment account 340.8 323.9 321.7 315.3 306.7 310.0 313.9 311.7 309.2 308.2 305.5 304.5 3c Mortgage-backed 218.6 213.4 219.7 215.6 214.0 221.4 227.9 224.3 221.4 222.7 222.1 222.2 3d Other 122.2 110.6 102.0 99.7 92.6 88.7 86.0 87.4 87.8 85.5 83.4 82.3 3e 1 year or less 31.5 31.4 31.5 33.6 33.3 31.7 28.6 27.1 26.8 24.7 23.9 22.9 3f Between 1 and 5 years 54.4 45.0 38.5 37.1 34.1 31.2 30.9 34.0 34.2 34.4 33.2 33.2 3g More than 5 years 36.3 34.1 32.1 29.0 25.2 25.8 26.4 26.3 26.8 26.3 26.3 26.2 4 Other securities 215.0 234.5 241.9 246.0 250.5 252.5 256.2 262.4 262.7 259.8 255.4 244.6 4a Trading account 100.2 122.0 127.6 129.3 131.5 134.2 136.1 142.9 142.1 142.0 138.6 128.0 4b Investment account 114.9 112.5 114.3 116.6 119.0 118.4 120.0 119.5 120.5 117.8 116.7 116.6 4c State and local government 25.5 26.9 27.5 27.6 27.9 28.0 28.0 27.8 28.1 27.4 27.2 27.2 4d Other 89.4 85.6 86.8 89.0 91.1 90.3 92.1 91.7 92.4 90.4 89.6 89.3 5 Loans and leases in bank credit (3) 1,927.8 1,987.3 1,982.3 1,982.3 1,987.7 2,004.7 2,006.5 2,003.0 1,999.8 2,002.5 2,006.9 1,998.2 6 Commercial and industrial 587.3 588.4 587.9 590.6 586.6 586.9 584.4 572.7 573.8 569.8 567.2 563.8 6a Bankers acceptances 1.0 1.0 0.8 0.8 0.8 0.8 0.8 0.7 0.8 0.8 -- -- 6b Other 586.2 587.4 587.1 589.8 585.8 586.1 583.6 572.0 573.0 569.0 567.2 563.8 7 Real estate 807.3 824.1 820.9 823.2 828.9 837.4 846.7 844.4 839.6 842.2 842.9 848.7 8 Revolving home equity 74.9 83.9 85.0 86.1 87.6 89.1 90.6 91.1 91.0 91.9 91.5 91.5 9a Other residential 445.0 446.5 443.6 443.1 447.1 453.4 459.3 455.0 449.9 451.9 452.9 458.7 9b Commercial 287.4 293.8 292.3 294.0 294.2 294.9 296.8 298.2 298.6 298.5 298.6 298.5 10 Consumer 229.1 243.7 246.6 247.2 246.2 248.7 251.0 251.8 252.8 253.3 251.2 250.6 10a Credit card and related plans -- 82.4 83.4 83.1 82.6 84.6 86.9 87.9 88.2 88.5 87.7 87.0 10f Other -- 161.3 163.2 164.1 163.5 164.1 164.1 163.9 164.6 164.9 163.5 163.6 11 Security (4) 61.9 67.2 60.3 57.1 60.5 67.1 61.6 69.7 70.0 72.7 72.6 68.1 11a Fed funds and RPs with broker/dealer 42.6 50.6 43.6 40.7 44.9 51.4 45.7 52.8 52.1 56.1 56.4 53.1 11b Other 19.3 16.6 16.7 16.4 15.6 15.7 15.9 16.9 17.9 16.6 16.3 15.0 12a State and local government 12.3 12.6 12.8 12.9 13.0 13.0 12.9 13.3 12.7 14.3 14.2 14.2 12b Agricultural 9.6 10.0 10.1 10.1 10.1 10.2 10.6 10.5 10.6 10.5 10.3 10.3 12c Fed funds and RPs with others 13.6 21.0 25.8 26.1 26.0 22.9 23.5 25.4 25.1 25.6 28.0 31.9 12d All other loans 84.2 90.7 86.5 83.9 84.7 86.5 83.9 84.7 85.1 84.3 90.7 81.3 12e Lease financing receivables 122.4 129.7 131.6 131.2 131.7 132.1 132.0 130.4 130.1 129.6 129.5 129.2 13 Interbank loans 138.1 141.6 155.3 140.0 138.5 147.4 133.8 132.0 132.7 129.1 132.0 127.4 13a Fed funds and RPs with banks 69.9 65.6 79.7 69.9 71.0 83.0 72.3 72.8 75.9 70.8 70.9 63.6 13b Other 68.2 75.9 75.7 70.2 67.5 64.4 61.5 59.2 56.8 58.3 61.1 63.8 14 Cash assets (5) 144.8 155.5 157.2 139.5 137.1 145.0 139.3 133.3 135.1 129.9 152.8 130.3 15 Other assets (6) 228.1 253.0 260.8 260.8 270.8 267.3 264.7 254.6 252.3 251.8 260.2 257.5 16 TOTAL ASSETS (7) 2,982.2 3,088.0 3,116.7 3,084.0 3,089.6 3,123.4 3,111.9 3,094.3 3,086.8 3,071.7 3,109.0 3,063.0 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 8 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars (continued) July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,650.1 1,690.7 1,686.9 1,681.9 1,699.0 1,734.1 1,709.3 1,720.2 1,703.5 1,695.2 1,770.1 1,717.8 18 Transaction 310.5 315.0 309.3 295.2 297.8 308.5 298.0 297.8 297.1 305.5 316.8 285.0 19 Nontransaction 1,339.6 1,375.6 1,377.6 1,386.7 1,401.2 1,425.6 1,411.4 1,422.3 1,406.5 1,389.7 1,453.3 1,432.8 20 Large time 255.5 269.1 270.5 266.0 263.5 262.8 264.4 268.0 265.6 261.9 269.6 265.9 21 Other 1,084.1 1,106.5 1,107.1 1,120.8 1,137.7 1,162.8 1,147.0 1,154.3 1,140.9 1,127.8 1,183.7 1,166.9 22 Borrowings 659.9 669.2 694.1 683.1 675.3 706.2 696.6 664.1 665.5 659.7 650.7 670.9 23 From banks in the U.S. 196.8 215.9 220.2 220.0 223.2 233.1 215.7 211.0 212.7 204.9 210.0 220.3 24 From others 463.1 453.3 473.9 463.1 452.0 473.1 480.8 453.1 452.9 454.8 440.7 450.6 25 Net due to related foreign offices 225.9 206.8 201.8 200.8 194.9 170.3 197.5 190.2 189.0 202.2 184.0 184.0 26 Other liabilities 174.5 219.0 232.8 214.8 211.4 198.6 194.9 204.5 213.9 199.4 185.7 178.0 27 TOTAL LIABILITIES 2,710.4 2,785.7 2,815.7 2,780.6 2,780.6 2,809.1 2,798.4 2,779.0 2,771.9 2,756.5 2,790.4 2,750.7 28 Residual (assets less liabilities) (8) 271.8 302.3 301.0 303.4 309.0 314.3 313.6 315.3 314.9 315.2 318.6 312.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 9 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,943.5 2,062.6 2,080.1 2,086.9 2,077.7 2,082.2 2,092.3 2,096.3 2,103.9 2,090.6 2,095.4 2,105.8 2 Securities in bank credit 517.3 549.4 555.9 556.6 548.5 548.7 551.3 554.5 555.2 553.1 556.7 558.8 3 Treasury and Agency securities (2) 373.5 367.4 366.4 363.7 351.9 350.2 350.1 351.9 352.7 351.4 355.1 355.4 4 Other securities 143.8 182.1 189.5 192.8 196.7 198.5 201.2 202.5 202.5 201.8 201.6 203.3 5 Loans and leases in bank credit (3) 1,426.2 1,513.2 1,524.3 1,530.3 1,529.2 1,533.6 1,541.0 1,541.8 1,548.7 1,537.5 1,538.7 1,547.1 6 Commercial and industrial 274.0 290.6 295.3 297.3 298.0 297.5 297.4 298.7 300.0 297.8 299.4 301.3 7 Real estate 768.7 818.0 819.9 824.4 824.2 824.3 829.0 832.9 836.2 832.5 833.9 837.1 8 Revolving home equity 40.6 45.9 46.4 46.8 46.7 47.0 48.0 48.9 49.2 49.0 49.5 49.6 9 Other 728.1 772.1 773.5 777.6 777.5 777.4 781.0 784.0 786.9 783.5 784.4 787.5 10 Consumer 287.5 300.8 304.0 301.5 298.5 301.2 302.5 298.5 299.7 296.4 294.8 296.3 11 Security (4) 6.4 7.1 7.2 7.6 8.1 8.6 8.7 8.6 8.8 8.7 8.5 8.7 12 Other loans and leases 89.6 96.7 97.9 99.5 100.3 102.0 103.4 103.0 104.1 102.2 102.1 103.7 13 Interbank loans 65.9 87.4 87.3 97.6 108.0 118.5 123.7 119.9 123.4 123.3 115.6 115.1 14 Cash assets (5) 78.3 83.1 85.5 86.1 85.7 86.6 87.1 85.1 84.4 87.4 88.4 96.8 15 Other assets (6) 110.4 112.4 114.8 115.0 120.5 123.9 122.7 128.5 126.1 126.5 139.3 109.7 16 TOTAL ASSETS (7) 2,173.2 2,318.7 2,340.9 2,358.8 2,365.2 2,384.1 2,398.6 2,402.7 2,410.7 2,400.7 2,411.7 2,400.4 L I A B I L I T I E S 17 Deposits 1,632.1 1,794.8 1,824.8 1,835.9 1,845.8 1,870.0 1,878.1 1,896.0 1,897.8 1,895.5 1,914.2 1,918.9 18 Transaction 294.5 294.1 297.6 299.1 295.9 298.6 301.3 294.5 298.4 307.7 288.2 298.1 19 Nontransaction 1,337.6 1,500.7 1,527.2 1,536.9 1,549.9 1,571.4 1,576.8 1,601.4 1,599.4 1,587.8 1,626.0 1,620.7 20 Large time 265.2 298.6 300.3 306.1 302.9 303.0 300.9 299.0 299.0 300.1 301.3 301.1 21 Other 1,072.4 1,202.1 1,226.9 1,230.7 1,247.0 1,268.4 1,275.8 1,302.4 1,300.4 1,287.7 1,324.7 1,319.6 22 Borrowings 344.8 336.5 343.9 341.2 333.3 336.7 340.2 338.2 341.6 342.0 335.8 338.2 23 From banks in the U.S. 163.4 160.5 158.1 158.1 151.7 151.7 152.9 151.3 152.3 154.6 149.5 151.1 24 From others 181.4 176.0 185.7 183.2 181.7 185.0 187.3 186.8 189.2 187.4 186.3 187.1 25 Net due to related foreign offices 9.1 20.9 16.8 16.7 15.4 12.8 16.6 13.1 11.5 13.3 11.1 11.1 26 Other liabilities 54.1 54.1 53.4 53.9 56.1 56.4 57.0 57.4 57.6 57.6 57.4 51.9 27 TOTAL LIABILITIES 2,040.1 2,206.3 2,238.8 2,247.7 2,250.7 2,275.9 2,291.8 2,304.7 2,308.5 2,308.4 2,318.5 2,320.1 28 Residual (assets less liabilities) (8) 133.1 112.4 102.0 111.1 114.5 108.2 106.8 98.0 102.2 92.4 93.2 80.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 10 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 1,946.7 2,067.1 2,075.9 2,075.8 2,073.3 2,081.9 2,092.8 2,098.1 2,097.1 2,101.0 2,103.5 2,106.3 2 Securities in bank credit 519.2 548.6 555.3 554.6 550.8 551.3 552.9 556.1 556.1 556.4 557.9 559.4 3 Treasury and Agency securities (2) 375.3 366.5 365.8 361.8 354.1 352.9 351.7 353.6 353.6 354.6 356.3 356.1 4 Other securities 143.8 182.1 189.5 192.8 196.7 198.5 201.2 202.5 202.5 201.8 201.6 203.3 5 Loans and leases in bank credit (3) 1,427.6 1,518.5 1,520.6 1,521.2 1,522.6 1,530.6 1,539.9 1,542.0 1,541.0 1,544.7 1,545.5 1,546.8 6 Commercial and industrial 275.6 291.4 294.4 295.6 297.7 299.6 300.0 300.5 300.4 300.9 302.5 302.1 7 Real estate 769.7 818.0 818.3 821.1 822.6 824.0 829.8 833.6 833.4 836.2 835.7 837.3 8 Revolving home equity 40.6 46.1 46.4 46.6 46.5 46.9 48.1 48.8 48.9 49.2 49.5 49.5 9 Other 729.0 772.0 772.0 774.5 776.1 777.1 781.7 784.8 784.5 787.0 786.2 787.8 10 Consumer 286.1 304.5 304.8 300.0 295.0 297.4 299.8 296.4 295.7 297.6 294.4 294.3 10a Credit card and related plans -- 135.8 134.9 130.2 126.5 129.6 131.9 128.8 128.4 130.3 127.3 126.7 10h Other -- 168.7 169.9 169.7 168.5 167.9 168.0 167.6 167.3 167.3 167.1 167.6 11 Security (4) 6.2 7.3 7.1 7.6 8.4 8.7 8.4 8.4 8.3 8.0 8.6 8.6 12 Other loans and leases 90.0 97.2 96.0 96.9 98.9 100.9 102.0 103.1 103.2 101.9 104.2 104.6 13 Interbank loans 62.4 92.3 87.8 100.6 114.3 122.5 114.7 113.1 110.9 106.5 115.2 111.7 14 Cash assets (5) 77.5 88.3 88.1 85.2 82.1 83.7 85.9 84.1 82.1 84.2 96.2 95.5 15 Other assets (6) 110.4 112.4 114.8 115.0 120.5 123.9 122.7 128.5 126.1 126.5 139.3 109.7 16 TOTAL ASSETS (7) 2,172.2 2,333.2 2,339.7 2,349.7 2,363.4 2,384.9 2,388.8 2,396.8 2,389.1 2,391.1 2,427.2 2,396.2 L I A B I L I T I E S 17 Deposits 1,624.0 1,812.8 1,823.5 1,836.9 1,853.3 1,877.2 1,871.6 1,884.7 1,875.0 1,874.4 1,920.1 1,909.9 18 Transaction 294.3 304.8 300.2 294.2 293.9 298.0 296.1 294.2 294.3 302.2 299.9 297.7 19 Nontransaction 1,329.7 1,508.0 1,523.2 1,542.7 1,559.4 1,579.2 1,575.5 1,590.5 1,580.6 1,572.2 1,620.2 1,612.2 20 Large time 265.2 298.6 300.3 306.1 302.9 303.0 300.9 299.0 299.0 300.1 301.3 301.1 21 Other 1,064.5 1,209.4 1,222.9 1,236.6 1,256.5 1,276.1 1,274.6 1,291.5 1,281.6 1,272.1 1,318.9 1,311.1 22 Borrowings 344.8 336.5 343.9 341.2 333.3 336.7 340.2 338.2 341.6 342.0 335.8 338.2 23 From banks in the U.S. 163.4 160.5 158.1 158.1 151.7 151.7 152.9 151.3 152.3 154.6 149.5 151.1 24 From others 181.4 176.0 185.7 183.2 181.7 185.0 187.3 186.8 189.2 187.4 186.3 187.1 25 Net due to related foreign offices 9.1 20.9 16.8 16.7 15.4 12.8 16.6 13.1 11.5 13.3 11.1 11.1 26 Other liabilities 54.1 54.1 53.4 53.9 56.1 56.4 57.0 57.4 57.6 57.6 57.4 51.9 27 TOTAL LIABILITIES 2,032.0 2,224.3 2,237.5 2,248.7 2,258.1 2,283.1 2,285.4 2,293.4 2,285.7 2,287.3 2,324.4 2,311.1 28 Residual (assets less liabilities) (8) 140.2 108.9 102.2 101.0 105.3 101.8 103.4 103.5 103.4 103.8 102.8 85.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 11 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 575.9 599.4 613.5 607.1 620.5 616.2 602.5 593.7 595.9 595.0 584.3 569.0 2 Securities in bank credit 204.7 205.1 208.4 198.8 205.6 214.6 210.3 212.3 212.3 213.2 215.6 208.1 3 Treasury and Agency securities (2) 78.5 69.2 66.5 64.3 68.0 75.1 69.8 67.9 67.2 67.9 70.0 65.7 4 Other securities 126.2 135.9 141.9 134.5 137.6 139.6 140.5 144.4 145.1 145.3 145.6 142.4 5 Loans and leases in bank credit (3) 371.3 394.4 405.1 408.3 414.9 401.6 392.2 381.4 383.5 381.8 368.7 360.9 6 Commercial and industrial 204.8 209.0 214.4 216.8 219.9 220.4 218.6 210.6 211.5 209.7 204.2 199.6 7 Real estate 18.0 18.5 18.5 18.6 18.5 18.0 18.0 17.8 17.8 17.9 17.8 17.5 11 Security (4) 82.7 100.1 105.1 105.3 106.5 95.3 87.8 86.2 86.3 87.5 81.3 80.0 12 Other loans and leases 65.8 66.7 67.2 67.6 69.9 67.9 67.8 66.8 67.9 66.8 65.3 63.8 13 Interbank loans 26.3 27.0 29.2 28.4 30.7 29.5 31.9 24.7 31.3 21.3 24.1 25.2 14 Cash assets (5) 44.6 39.9 41.5 41.7 40.7 39.3 37.5 36.0 37.5 36.0 34.6 35.7 15 Other assets (6) 41.8 36.1 37.0 36.5 38.4 41.1 38.9 39.1 38.0 44.9 34.4 33.2 16 TOTAL ASSETS (7) 688.3 702.1 720.9 713.3 729.9 725.8 710.4 693.1 702.2 696.8 677.1 662.8 L I A B I L I T I E S 17 Deposits 385.9 380.0 386.7 380.6 378.7 392.5 406.8 417.2 418.7 414.0 426.9 423.3 18 Transaction 11.2 10.6 10.2 10.3 9.4 10.5 10.5 9.6 10.3 8.9 10.3 9.9 19 Nontransaction 374.7 369.4 376.5 370.3 369.2 382.0 396.3 407.6 408.4 405.2 416.6 413.4 22 Borrowings 202.9 239.6 243.5 238.4 233.3 236.0 216.3 213.4 215.3 215.6 217.7 203.4 23 From banks in the U.S. 19.2 22.2 25.1 22.5 24.2 23.5 19.5 22.2 24.9 21.1 27.5 19.6 24 From others 183.6 217.4 218.3 216.0 209.1 212.5 196.8 191.2 190.4 194.5 190.2 183.8 25 Net due to related foreign offices 21.7 -1.8 3.5 4.8 21.8 4.2 -4.7 -20.0 -8.7 -12.8 -39.2 -36.9 26 Other liabilities 76.5 72.6 79.6 77.0 82.5 88.3 86.3 84.5 86.3 82.3 79.6 78.2 27 TOTAL LIABILITIES 686.9 690.5 713.3 700.7 716.3 721.1 704.7 695.1 711.5 699.1 685.1 667.9 28 Residual (assets less liabilities) (8) 1.4 11.6 7.6 12.6 13.6 4.7 5.7 -2.0 -9.3 -2.3 -8.0 -5.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 12 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 572.7 610.2 621.6 610.4 615.6 613.4 597.8 590.1 593.4 591.9 581.9 563.3 2 Securities in bank credit (2) 204.7 205.1 208.4 198.8 205.6 214.6 210.3 212.3 212.3 213.2 215.6 208.1 3 Treasury and Agency securities 78.5 69.2 66.5 64.3 68.0 75.1 69.8 67.9 67.2 67.9 70.0 65.7 3a Trading account 12.0 11.8 11.4 10.4 9.5 14.2 13.4 13.5 13.1 13.3 15.6 12.6 3b Investment account 66.5 57.3 55.1 53.9 58.5 60.9 56.4 54.4 54.1 54.6 54.4 53.1 4 Other securities 126.2 135.9 141.9 134.5 137.6 139.6 140.5 144.4 145.1 145.3 145.6 142.4 4a Trading account 82.4 90.8 96.4 90.8 94.5 96.6 98.2 104.4 105.5 106.3 106.4 103.8 4b Investment account 43.8 45.1 45.6 43.7 43.1 43.0 42.3 40.1 39.6 39.0 39.2 38.5 5 Loans and leases in bank credit (3) 368.0 405.1 413.2 411.5 410.0 398.8 387.5 377.8 381.1 378.7 366.3 355.3 6 Commercial and industrial 203.7 211.4 216.1 219.0 221.0 218.6 215.5 209.5 210.2 209.4 204.5 198.6 7 Real estate 18.0 18.5 18.5 18.6 18.5 18.0 18.0 17.8 17.8 17.9 17.8 17.5 11 Security (4) 81.1 106.2 110.3 106.3 100.6 94.0 87.0 84.3 86.2 85.6 78.7 75.9 12 Other loans and leases 65.2 69.0 68.3 67.7 69.9 68.2 67.0 66.1 66.8 65.8 65.3 63.2 13 Interbank loans 26.3 27.0 29.2 28.4 30.7 29.5 31.9 24.7 31.3 21.3 24.1 25.2 14 Cash assets (5) 43.5 42.7 44.1 41.8 39.3 37.7 36.6 34.9 36.2 34.8 33.6 34.3 15 Other assets (6) 40.3 37.9 38.3 37.4 39.0 40.2 38.4 37.7 36.4 42.7 33.1 32.4 16 TOTAL ASSETS (7) 682.4 717.4 732.8 717.6 724.2 720.4 704.2 687.0 696.9 690.2 672.4 655.0 L I A B I L I T I E S 17 Deposits 379.8 390.7 396.6 388.8 383.2 395.4 407.9 410.1 410.3 406.4 412.9 411.0 18 Transaction 11.0 11.3 10.4 10.1 9.2 10.0 10.1 9.4 10.1 8.9 10.8 9.9 19 Nontransaction 368.8 379.4 386.2 378.7 374.0 385.5 397.8 400.7 400.3 397.5 402.1 401.1 22 Borrowings 202.9 239.6 243.5 238.4 233.3 236.0 216.3 213.4 215.3 215.6 217.7 203.4 23 From banks in the U.S. 19.2 22.2 25.1 22.5 24.2 23.5 19.5 22.2 24.9 21.1 27.5 19.6 24 From others 183.6 217.4 218.3 216.0 209.1 212.5 196.8 191.2 190.4 194.5 190.2 183.8 25 Net due to related foreign offices 18.4 2.9 6.8 8.0 21.9 -0.4 -7.9 -23.2 -15.5 -16.1 -40.0 -40.0 26 Other liabilities 75.1 74.7 81.0 78.4 82.6 86.2 84.8 83.0 83.1 80.7 79.2 76.7 27 TOTAL LIABILITIES 676.2 708.0 727.8 713.6 721.0 717.2 701.1 683.3 693.3 686.6 669.8 651.1 28 Residual (assets less liabilities) (8) 6.2 9.4 5.0 4.0 3.3 3.2 3.1 3.6 3.7 3.6 2.7 3.9 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars July 20, 2001 Account 2000 2000 2001 2001 2001 2001 2001 2001 Week ending Jun Dec Jan Feb Mar Apr May Jun Jun 20 Jun 27 Jul 4 Jul 11 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 68.3 77.8 79.5 77.6 80.6 79.6 81.7 87.0 87.1 83.9 80.3 68.9 30 Reval. losses on off-bal. sheet items (9) 68.5 83.1 82.5 81.0 79.8 74.9 74.7 81.5 83.5 76.9 72.3 63.5 31 Mortgage-backed securities (10) 251.0 242.6 248.0 244.5 244.8 252.2 258.9 255.2 253.2 251.8 252.0 252.0 31a Pass-through 178.4 177.5 182.6 178.9 180.9 189.8 195.2 195.3 194.6 194.1 192.8 192.8 31b CMO, REMIC, and other 72.7 65.0 65.3 65.6 63.9 62.4 63.7 60.0 58.6 57.7 59.2 59.3 32 Net unrealized gains (losses) on -8.7 1.4 0.4 2.9 3.6 0.4 -1.5 -1.7 -1.4 -1.8 -2.1 -1.8 available-for-sale securities (11) 33 Offshore credit to U.S. residents (12) 22.4 23.4 23.0 22.7 22.6 21.7 21.0 20.6 20.7 20.5 20.5 20.5 34 Securitized consumer loans (13) -- 82.2 82.4 80.8 80.2 78.8 77.0 76.7 76.5 77.2 76.9 76.8 34a Credit card and related plans -- 68.6 68.5 67.3 67.3 66.4 65.0 65.3 65.1 65.8 65.7 65.7 34b Other -- 13.6 13.9 13.4 12.9 12.4 12.0 11.5 11.4 11.4 11.2 11.0 35 Securitized business loans (13) -- 18.6 18.4 18.6 18.7 18.8 19.8 20.4 20.3 20.7 20.4 20.2 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 206.4 214.5 218.2 222.7 229.3 238.1 242.6 245.8 245.4 245.8 250.1 250.7 34 Securitized consumer loans (13) -- 231.1 231.5 235.6 238.6 241.2 242.2 248.1 249.1 249.3 251.5 251.2 34a Credit card and related plans -- 221.9 222.4 226.8 229.9 232.6 233.8 239.6 240.3 240.6 242.8 242.5 34b Other -- 9.2 9.1 8.9 8.7 8.6 8.4 8.5 8.8 8.7 8.7 8.6 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 44.4 45.7 52.0 49.4 52.5 54.2 56.3 57.1 56.7 55.1 55.1 52.6 30 Reval. losses on off-bal. sheet items (9) 40.5 41.7 49.0 47.0 49.5 50.7 51.6 51.9 51.5 49.7 49.8 48.5 35 Securitized business loans (13) -- 23.1 23.2 22.4 21.5 19.8 18.0 17.2 17.0 17.1 17.3 17.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 July 20, 2001 Current and historical H.8 data are available on the Federal Reserve Board's web site (http://www.federalreserve.gov). For information about individual copies or subscriptions, contact Publications Services at the Federal Reserve Board (phone 202-452-3244, fax 202-728-5886). For paid electronic access to current and historical data, call STAT-USA at 1-800-782-8872 or 202-482-1986. 1. Covers the following types of institutions in the fifty states and the District of Columbia: domestically chartered commercial banks that submit a weekly report of condition (large domestic); other domestically chartered commercial banks (small domestic); branches and agencies of foreign banks, and Edge Act and Agreement corporations (foreign-related institutions). Excludes International Banking Facilities. Data are Wednesday values or pro rata averages of Wednesday values. Large domestic banks constitute a universe; data for small domestic banks and foreign-related institutions are estimates based on weekly samples and on quarter-end condition reports. Data are adjusted for breaks caused by reclassifications of assets and liabilities. The data for large and small domestic banks presented on pages 5 to 10 are adjusted to remove the estimated effects of mergers between these two groups. The adjustment for mergers changes past levels to make them comparable with current levels. Estimated quantities of balance sheet items acquired in mergers are removed from past data for the bank group that contained the acquired bank and put into past data for the group containing the acquiring bank. Balance sheet data for acquired banks are obtained from call reports, and a ratio procedure is used to adjust past levels. 2. Treasury securities are liabilities of the U.S. Treasury. Agency securities are liabilities of U.S. government agencies and U.S. government-sponsored enterprises. 3. Excludes federal funds sold to, reverse RPs with, and loans made to commercial banks in the United States, all of which are included in line 13. 4. Consists of reverse RPs with brokers and dealers and loans to purchase and carry securities. 5. Includes vault cash, cash items in process of collection, balances due from depository institutions, and balances due from Federal Reserve Banks. 6. Excludes the due-from position with related foreign offices, which is included in line 25. 7. Excludes unearned income, reserves for losses on loans and leases, and reserves for transfer risk. Loans are reported gross of these items. 8. This balancing item is not intended as a measure of equity capital for use in capital adequacy analysis. On a seasonally adjusted basis this item reflects any differences in the seasonal patterns estimated for total assets and total liabilities. 9. Fair value of derivative contracts (interest rate, foreign exchange rate, other commodity and equity contracts) in a gain/loss position, as determined under FASB Interpretation No. 39. 10. Includes mortgage-backed securities issued by U.S. government agencies, U.S. government-sponsored enterprises, and private entities. 11. Difference between fair value and historical cost for securities classified as available-for-sale under FASB Statement No. 115. Data are reported net of tax effects. Data shown are restated to include an estimate of these tax effects. 12. Mainly commercial and industrial loans, but also includes an unknown amount of credit extended to other than nonfinancial businesses. 13. Total amount outstanding. NOTE: Domestically chartered commercial banks acquired $0.1 billion in assets and liabilities of nonbank institutions in the week ending July 14, 2001. The major asset item affected was (in billions): real estate loans, other, $0.1. The major liability item affected was nontransaction deposits, other, $0.1.