Federal Reserve Statistical Release, H.8, Assets and Liabilities of Commercial Banks in the United States; title with eagle logo links to Statistical Release home page

Release Date: February 22, 2002

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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                                                                                                                         February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,270.8   5,332.8   5,348.7   5,424.5   5,400.0   5,427.0   5,405.8   5,394.7       5,397.4   5,392.6   5,414.1   5,412.3

  2     Securities in bank credit                        1,358.5   1,389.4   1,419.4   1,439.0   1,463.8   1,477.4   1,471.7   1,471.5       1,468.4   1,472.2   1,475.4   1,473.2
  3        Treasury and Agency securities (2)              786.7     754.9     768.1     779.0     797.2     806.8     822.5     808.7         807.8     800.1     808.5     805.2
  4        Other securities                                571.8     634.6     651.2     660.0     666.6     670.5     649.2     662.7         660.5     672.1     666.9     668.0

  5     Loans and leases in bank credit (3)              3,912.3   3,943.4   3,929.3   3,985.5   3,936.2   3,949.6   3,934.1   3,923.2       3,929.0   3,920.4   3,938.8   3,939.1
  6        Commercial and industrial                     1,102.0   1,071.3   1,065.1   1,068.3   1,048.8   1,037.4   1,023.0   1,014.0       1,015.3   1,011.5   1,019.9   1,021.2
  7        Real estate                                   1,663.7   1,718.3   1,716.6   1,724.6   1,737.1   1,753.2   1,763.2   1,760.0       1,761.1   1,757.8   1,770.6   1,771.1
  8          Revolving home equity                         129.0     137.6     139.4     142.1     147.3     149.5     152.9     157.2         157.6     158.5     159.4     160.3
  9          Other                                       1,534.7   1,580.7   1,577.2   1,582.5   1,589.8   1,603.8   1,610.3   1,602.8       1,603.5   1,599.3   1,611.2   1,610.7
  10       Consumer                                        546.2     550.3     548.6     549.2     551.7     560.0     560.4     563.3         564.9     562.8     567.2     560.7
  11       Security (4)                                    170.9     170.2     171.1     181.7     150.0     150.7     141.3     147.6         150.0     151.5     147.0     150.2
  12       Other loans and leases                          429.5     433.3     427.9     461.8     448.6     448.3     446.2     438.3         437.8     436.8     434.0     436.1

  13  Interbank loans                                      269.7     273.2     287.9     353.9     303.0     282.3     290.1     290.7         293.4     286.8     273.1     275.1

  14  Cash assets (5)                                      291.7     288.8     284.1     329.5     303.5     295.0     292.2     291.3         324.8     284.4     292.5     279.1

  15  Other assets (6)                                     398.2     419.9     433.4     469.6     487.1     485.8     475.4     479.7         482.3     477.2     488.8     505.1

  16  TOTAL ASSETS (7)                                   6,165.7   6,248.1   6,286.8   6,509.5   6,423.7   6,419.4   6,391.3   6,381.8       6,423.4   6,366.2   6,393.6   6,396.6

            L I A B I L I T I E S

  17  Deposits                                           3,895.1   4,071.5   4,083.8   4,209.2   4,161.3   4,177.8   4,213.1   4,234.6       4,248.3   4,225.7   4,239.7   4,231.0
  18    Transaction                                        608.1     606.2     611.1     689.6     638.1     631.0     632.3     629.7         653.8     656.0     602.1     609.1
  19    Nontransaction                                   3,287.0   3,465.3   3,472.7   3,519.6   3,523.3   3,546.8   3,580.8   3,604.9       3,594.5   3,569.7   3,637.6   3,621.9
  20       Large time                                      943.3     975.1     965.1     964.4     976.4     976.3     972.9     984.0         985.9     993.7   1,003.1     992.8
  21       Other                                         2,343.7   2,490.2   2,507.7   2,555.2   2,546.9   2,570.4   2,607.9   2,620.9       2,608.6   2,576.0   2,634.4   2,629.2

  22  Borrowings                                         1,257.4   1,222.0   1,232.9   1,286.7   1,265.3   1,237.8   1,233.6   1,219.6       1,225.8   1,228.7   1,224.2   1,218.8
  23    From banks in the U.S.                             397.0     390.5     398.6     444.2     423.8     402.8     406.5     402.0         392.9     398.2     397.8     405.9
  24    From others                                        860.4     831.4     834.3     842.5     841.5     835.0     827.1     817.7         832.8     830.5     826.4     812.9

  25  Net due to related foreign offices                   221.3     190.7     192.9     169.5     176.9     161.2     147.5     128.7         146.4     102.4     103.6     103.6

  26  Other liabilities                                    374.0     336.0     347.7     399.2     370.4     406.2     360.8     347.2         341.5     343.4     346.9     351.1

  27  TOTAL LIABILITIES                                  5,747.8   5,820.2   5,857.2   6,064.6   5,973.8   5,983.0   5,955.1   5,930.1       5,961.9   5,900.1   5,914.4   5,904.4

  28  Residual (assets less liabilities) (8)               417.9     428.0     429.6     444.9     449.9     436.4     436.2     451.7         461.5     466.1     479.2     492.2



      -------------------------------------------------

  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                                                                                                                     February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,285.7   5,312.2   5,331.3   5,418.9   5,407.9   5,447.7   5,442.5   5,408.3       5,399.0   5,396.6   5,414.2   5,408.1

  2     Securities in bank credit                        1,363.7   1,380.4   1,412.5   1,435.2   1,461.6   1,481.3   1,477.7   1,477.0       1,471.9   1,474.7   1,478.8   1,473.7
  3        Treasury and Agency securities (2)              788.9     750.8     763.5     776.0     792.3     807.2     821.9     811.0         809.9     802.6     811.1     806.1
  4        Other securities                                574.8     629.6     649.0     659.2     669.3     674.1     655.8     666.0         662.0     672.0     667.7     667.6

  5     Loans and leases in bank credit (3)              3,922.1   3,931.7   3,918.8   3,983.7   3,946.3   3,966.4   3,964.7   3,931.2       3,927.1   3,922.0   3,935.4   3,934.4
  6        Commercial and industrial                     1,099.2   1,070.4   1,058.9   1,065.0   1,048.3   1,038.4   1,025.4   1,011.5       1,010.2   1,008.2   1,017.9   1,020.3
  7        Real estate                                   1,662.7   1,717.3   1,719.8   1,728.2   1,740.8   1,759.2   1,768.3   1,758.4       1,758.0   1,754.0   1,765.5   1,766.0
  8          Revolving home equity                         128.2     137.9     140.2     143.4     148.5     150.2     153.0     156.1         156.4     157.2     158.0     159.0
  9          Other                                       1,534.6   1,579.3   1,579.6   1,584.7   1,592.3   1,609.0   1,615.4   1,602.3       1,601.6   1,596.8   1,607.4   1,607.0
  10       Consumer                                        550.6     547.8     549.6     551.4     551.4     560.4     566.2     567.6         569.0     566.9     569.0     562.1
  10a        Credit card and related plans                 217.6     216.9     218.1     217.2     216.7     226.0     232.6     229.4         230.5     227.1     227.9     221.8
  10b        Other                                         333.0     330.8     331.5     334.2     334.7     334.5     333.6     338.2         338.5     339.8     341.1     340.3
  11       Security (4)                                    178.8     162.5     162.6     175.5     156.3     157.4     152.1     154.3         154.5     157.7     151.1     152.6
  12       Other loans and leases                          430.7     433.7     427.8     463.6     449.5     450.9     452.7     439.6         435.5     435.2     431.9     433.3

  13  Interbank loans                                      271.8     265.4     276.6     342.1     297.1     290.6     300.2     293.0         287.7     286.0     276.6     279.1

  14  Cash assets (5)                                      308.3     279.7     272.3     324.8     303.8     303.8     312.7     307.1         338.5     287.2     284.7     275.9

  15  Other assets (6)                                     400.0     418.4     430.5     469.5     482.7     485.3     482.5     481.9         478.6     477.1     490.1     505.3

  16  TOTAL ASSETS (7)                                   6,201.4   6,209.4   6,243.2   6,487.1   6,421.8   6,456.6   6,465.6   6,416.1       6,429.8   6,372.5   6,390.6   6,393.4

            L I A B I L I T I E S

  17  Deposits                                           3,909.9   4,039.8   4,043.1   4,183.6   4,148.7   4,201.1   4,264.8   4,253.2       4,235.6   4,223.1   4,259.0   4,254.8
  18    Transaction                                        619.9     599.9     597.2     683.4     632.2     637.2     662.7     641.7         649.2     651.8     588.8     597.7
  19    Nontransaction                                   3,290.0   3,440.0   3,445.9   3,500.2   3,516.5   3,563.9   3,602.1   3,611.5       3,586.5   3,571.3   3,670.2   3,657.1
  20       Large time                                      956.3     961.3     951.5     953.0     970.3     984.2     989.3     999.6       1,001.8   1,009.9   1,018.9   1,007.9
  21       Other                                         2,333.7   2,478.7   2,494.4   2,547.2   2,546.3   2,579.7   2,612.8   2,611.9       2,584.7   2,561.4   2,651.3   2,649.2

  22  Borrowings                                         1,274.5   1,212.7   1,211.2   1,281.4   1,262.9   1,246.1   1,235.7   1,235.8       1,248.3   1,244.8   1,231.7   1,222.2
  23    From banks in the U.S.                             403.2     387.3     390.3     434.5     418.5     403.6     408.0     408.0         400.0     403.8     402.7     410.5
  24    From others                                        871.3     825.4     820.8     847.0     844.4     842.5     827.8     827.8         848.3     841.1     829.1     811.7

  25  Net due to related foreign offices                   225.4     184.4     192.0     171.4     177.4     163.1     152.9     132.8         148.5     109.7     108.2     108.2

  26  Other liabilities                                    376.5     331.5     347.5     399.7     370.6     408.7     363.4     349.2         343.5     348.0     349.6     353.9

  27  TOTAL LIABILITIES                                  5,786.4   5,768.4   5,793.9   6,036.1   5,959.6   6,019.0   6,016.8   5,971.0       5,976.0   5,925.6   5,948.5   5,939.1

  28  Residual (assets less liabilities) (8)               415.0     440.9     449.3     451.0     462.2     437.6     448.7     445.0         453.8     446.9     442.1     454.3





      -------------------------------------------------

  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                                                                                                                         February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,651.4   4,732.4   4,751.0   4,830.6   4,813.9   4,834.1   4,820.9   4,817.5       4,818.3   4,813.9   4,842.4   4,832.7

  2     Securities in bank credit                        1,145.5   1,165.7   1,196.8   1,215.0   1,236.8   1,247.7   1,243.1   1,248.7       1,246.1   1,250.3   1,256.6   1,253.2
  3        Treasury and Agency securities (2)              720.6     705.4     719.3     727.4     741.1     747.7     765.5     755.9         754.9     751.1     760.0     756.1
  4        Other securities                                424.8     460.3     477.5     487.6     495.7     500.1     477.5     492.8         491.2     499.2     496.6     497.1

  5     Loans and leases in bank credit (3)              3,505.9   3,566.7   3,554.2   3,615.6   3,577.1   3,586.3   3,577.8   3,568.8       3,572.2   3,563.6   3,585.8   3,579.5
  6        Commercial and industrial                       887.1     865.4     860.3     863.3     849.0     837.5     827.7     821.7         822.5     820.8     824.5     825.3
  7        Real estate                                   1,645.6   1,700.0   1,698.2   1,705.8   1,718.4   1,734.3   1,744.2   1,741.0       1,741.9   1,738.9   1,751.9   1,752.2
  8          Revolving home equity                         129.0     137.6     139.4     142.1     147.3     149.5     152.9     157.2         157.6     158.5     159.4     160.3
  9          Other                                       1,516.6   1,562.5   1,558.8   1,563.7   1,571.1   1,584.9   1,591.3   1,583.8       1,584.3   1,580.4   1,592.5   1,591.9
  10       Consumer                                        546.2     550.3     548.6     549.2     551.7     560.0     560.4     563.3         564.9     562.8     567.2     560.7
  11       Security (4)                                     64.8      83.5      86.4     102.7      77.6      74.1      67.6      73.1          74.2      72.4      77.3      75.7
  12       Other loans and leases                          362.1     367.5     360.6     394.5     380.4     380.3     377.9     369.8         368.7     368.6     364.8     365.6

  13  Interbank loans                                      240.7     251.9     267.7     328.0     279.1     256.8     269.1     264.2         260.9     253.4     246.6     254.5

  14  Cash assets (5)                                      250.2     252.0     246.6     284.0     264.3     257.7     255.7     255.0         286.1     249.4     255.0     242.7

  15  Other assets (6)                                     362.0     389.5     403.3     436.1     454.8     451.5     444.5     447.2         449.9     444.4     456.0     472.7

  16  TOTAL ASSETS (7)                                   5,439.9   5,559.6   5,601.7   5,811.1   5,742.6   5,729.8   5,718.4   5,709.9       5,741.1   5,686.9   5,725.5   5,728.0

            L I A B I L I T I E S

  17  Deposits                                           3,507.4   3,657.8   3,676.8   3,799.8   3,739.6   3,749.4   3,777.7   3,780.4       3,787.0   3,758.6   3,774.4   3,774.0
  18    Transaction                                        597.9     597.0     601.5     677.3     627.3     620.3     621.2     618.7         642.5     645.6     591.8     598.0
  19    Nontransaction                                   2,909.5   3,060.8   3,075.3   3,122.5   3,112.3   3,129.1   3,156.5   3,161.7       3,144.5   3,113.0   3,182.5   3,176.0
  20       Large time                                      568.0     572.9     570.1     569.8     568.1     561.0     550.9     543.2         538.4     539.3     550.4     549.1
  21       Other                                         2,341.5   2,487.8   2,505.2   2,552.8   2,544.2   2,568.1   2,605.6   2,618.6       2,606.1   2,573.7   2,632.1   2,626.9

  22  Borrowings                                         1,013.0   1,010.8   1,022.2   1,064.9   1,056.9   1,024.8   1,031.0   1,032.6       1,047.8   1,035.4   1,043.2   1,026.3
  23    From banks in the U.S.                             371.3     368.3     378.0     413.7     399.9     378.6     382.0     380.0         375.7     374.2     378.8     376.9
  24    From others                                        641.8     642.5     644.2     651.3     657.0     646.3     649.0     652.6         672.1     661.2     664.3     649.4

  25  Net due to related foreign offices                   217.7     207.1     205.7     188.6     194.1     191.9     197.3     186.8         196.8     176.9     174.3     174.1

  26  Other liabilities                                    291.2     257.6     271.7     320.8     296.0     329.3     286.2     271.2         265.2     266.3     268.7     274.7

  27  TOTAL LIABILITIES                                  5,029.3   5,133.3   5,176.4   5,374.1   5,286.5   5,295.4   5,292.2   5,271.1       5,296.8   5,237.2   5,260.5   5,249.1

  28  Residual (assets less liabilities) (8)               410.6     426.3     425.2     437.0     456.1     434.5     426.2     438.8         444.4     449.7     465.0     478.9



      -------------------------------------------------

  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                                                                                                                     February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,658.2   4,716.3   4,740.1   4,826.7   4,818.9   4,851.9   4,847.9   4,824.7       4,815.2   4,813.0   4,838.2   4,824.6

  2     Securities in bank credit                        1,150.6   1,156.7   1,190.0   1,211.3   1,234.6   1,251.6   1,249.1   1,254.3       1,249.7   1,252.8   1,260.0   1,253.7
  3        Treasury and Agency securities (2)              722.8     701.3     714.7     724.4     736.2     748.0     764.9     758.2         757.0     753.6     762.6     757.0
  4        Other securities                                427.8     455.4     475.3     486.8     498.4     503.6     484.1     496.1         492.7     499.2     497.4     496.7

  5     Loans and leases in bank credit (3)              3,507.6   3,559.6   3,550.1   3,615.5   3,584.3   3,600.3   3,598.8   3,570.4       3,565.5   3,560.1   3,578.1   3,570.9
  6        Commercial and industrial                       882.7     865.3     855.5     860.4     848.3     837.9     827.8     817.6         816.6     816.6     821.4     821.9
  7        Real estate                                   1,644.7   1,699.1   1,701.4   1,709.5   1,722.1   1,740.3   1,749.3   1,739.4       1,738.8   1,735.1   1,746.8   1,747.2
  8          Revolving home equity                         128.2     137.9     140.2     143.4     148.5     150.2     153.0     156.1         156.4     157.2     158.0     159.0
  9          Other                                       1,516.5   1,561.1   1,561.2   1,566.0   1,573.6   1,590.0   1,596.4   1,583.3       1,582.4   1,577.9   1,588.7   1,588.1
  10       Consumer                                        550.6     547.8     549.6     551.4     551.4     560.4     566.2     567.6         569.0     566.9     569.0     562.1
  10a        Credit card and related plans                 217.6     216.9     218.1     217.2     216.7     226.0     232.6     229.4         230.5     227.1     227.9     221.8
  10d        Other                                         333.0     330.8     331.5     334.2     334.7     334.5     333.6     338.2         338.5     339.8     341.1     340.3
  11       Security (4)                                     67.4      78.6      81.8      97.6      80.8      79.3      73.7      76.0          75.2      75.2      78.8      77.1
  12       Other loans and leases                          362.2     368.9     361.7     396.5     381.7     382.4     381.9     369.9         366.0     366.4     362.1     362.5

  13  Interbank loans                                      242.7     244.2     256.4     316.1     273.1     265.1     279.1     266.5         255.2     252.6     250.2     258.5

  14  Cash assets (5)                                      264.1     244.2     236.0     280.3     263.9     264.4     273.7     268.4         297.3     250.4     246.2     238.8

  15  Other assets (6)                                     362.7     388.8     400.6     436.3     450.8     451.0     450.1     448.3         445.4     443.4     456.0     471.9

  16  TOTAL ASSETS (7)                                   5,463.6   5,527.4   5,565.9   5,791.8   5,737.5   5,762.1   5,779.0   5,734.1       5,739.4   5,685.3   5,715.9   5,719.2

            L I A B I L I T I E S

  17  Deposits                                           3,512.3   3,636.3   3,648.0   3,782.3   3,734.4   3,769.4   3,816.3   3,786.4       3,761.2   3,742.4   3,781.8   3,787.2
  18    Transaction                                        609.5     590.6     587.7     670.8     621.3     626.3     650.9     630.5         637.8     641.4     578.7     586.9
  19    Nontransaction                                   2,902.8   3,045.7   3,060.3   3,111.5   3,113.1   3,143.1   3,165.4   3,155.9       3,123.4   3,101.0   3,203.2   3,200.2
  20       Large time                                      571.3     569.3     568.3     566.7     569.5     565.8     555.0     546.5         541.4     542.0     554.2     553.4
  21       Other                                         2,331.5   2,476.4   2,492.0   2,544.8   2,543.7   2,577.3   2,610.4   2,609.4       2,582.0   2,559.0   2,648.9   2,646.8

  22  Borrowings                                         1,030.1   1,001.5   1,000.5   1,059.6   1,054.5   1,033.2   1,033.1   1,048.8       1,070.3   1,051.5   1,050.7   1,029.7
  23    From banks in the U.S.                             377.5     365.0     369.7     403.9     394.6     379.4     383.4     386.0         382.8     379.7     383.7     381.5
  24    From others                                        652.7     636.5     630.8     655.7     659.9     653.8     649.7     662.8         687.5     671.8     667.0     648.2

  25  Net due to related foreign offices                   218.6     204.0     206.1     188.0     194.2     193.8     197.6     187.4         199.0     179.3     175.4     175.4

  26  Other liabilities                                    292.2     254.6     272.0     320.1     296.1     331.6     286.8     271.8         267.2     269.0     269.9     276.2

  27  TOTAL LIABILITIES                                  5,053.2   5,096.4   5,126.7   5,350.0   5,279.2   5,327.9   5,333.8   5,294.4       5,297.8   5,242.2   5,277.8   5,268.5

  28  Residual (assets less liabilities) (8)               410.4     431.0     439.3     441.7     458.3     434.1     445.2     439.6         441.6     443.1     438.1     450.7






      -------------------------------------------------

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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                                                                                                   February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,588.9   2,623.6   2,623.7   2,690.7   2,631.9   2,633.3   2,599.0   2,572.5       2,575.5   2,567.2   2,593.2   2,586.8

  2     Securities in bank credit                          594.7     608.4     629.6     640.8     648.3     653.0     635.9     636.6         637.1     636.5     642.4     637.7
  3        Treasury and Agency securities (2)              358.8     352.1     359.5     362.5     363.2     366.0     377.1     363.9         364.7     356.2     362.9     358.2
  3a         Trading account                                34.2      38.3      36.3      37.9      35.8      40.4      34.1      32.7          34.9      32.5      34.7      34.1
  3b         Investment account                            324.6     313.8     323.2     324.6     327.4     325.6     343.0     331.2         329.8     323.7     328.2     324.0
  4        Other securities                                235.9     256.3     270.1     278.3     285.2     287.0     258.8     272.7         272.3     280.3     279.6     279.5
  4a         Trading account                               126.0     140.8     153.1     161.0     165.8     165.1     128.0     128.5         126.4     132.6     133.7     133.3
  4b         Investment account                            109.9     115.5     117.0     117.3     119.3     121.9     130.8     144.3         145.9     147.8     145.8     146.2
  4c           State and local government                   27.1      27.8      27.6      27.5      26.8      27.1      26.9      27.5          27.7      28.1      27.9      28.1
  4d           Other                                        82.7      87.7      89.4      89.8      92.5      94.8     103.9     116.8         118.2     119.7     117.9     118.1

  5     Loans and leases in bank credit (3)              1,994.2   2,015.2   1,994.1   2,049.8   1,983.5   1,980.2   1,963.0   1,935.9       1,938.4   1,930.7   1,950.8   1,949.1
  6        Commercial and industrial                       595.7     562.3     557.2     561.2     545.5     534.9     523.8     517.2         518.7     517.2     519.0     519.0
  7        Real estate                                     829.2     855.7     846.0     845.9     842.8     852.8     855.8     844.4         846.3     840.9     851.0     851.1
  8          Revolving home equity                          82.4      87.1      87.6      89.4      92.3      93.9      95.9      98.8          99.2      99.7     100.3     101.1
  9          Other                                         746.8     768.7     758.4     756.5     750.5     758.9     759.9     745.6         747.1     741.2     750.7     750.0
  10       Consumer                                        245.1     254.2     251.4     253.2     242.8     245.2     245.7     238.5         238.3     237.6     245.4     245.1
  11       Security (4)                                     57.9      75.2      78.1      94.0      69.8      66.3      59.6      65.4          66.4      64.8      69.6      67.8
  11a        Fed funds and RPs with broker/dealer           41.8      59.6      63.5      66.2      56.4      52.3      45.6      52.5          53.9      52.1      57.4      55.5
  11b        Other                                          16.1      15.5      14.5      27.8      13.4      14.0      14.0      12.8          12.5      12.7      12.2      12.3
  12a      State and local government                       12.8      14.2      14.2      14.4      15.3      15.7      14.9      14.6          14.6      14.6      14.5      14.6
  12b      Agricultural                                     10.2      10.1       9.5       9.2       9.2       9.4       9.3       9.4           9.4       9.4       9.3       9.6
  12c      Fed funds and RPs with others                    26.0      31.0      31.9      32.6      28.8      30.6      29.3      27.9          28.6      29.5      25.2      24.9
  12d      All other loans                                  86.8      81.6      75.6     109.1     104.3     100.4      94.1      85.6          83.1      83.7      83.6      84.0
  12e      Lease financing receivables                     130.6     131.0     130.3     130.2     125.0     125.0     130.5     132.9         133.0     133.0     133.0     133.1

  13  Interbank loans                                      156.8     136.5     150.9     207.3     175.8     152.8     165.8     165.9         160.6     156.9     150.5     154.0
  13a   Fed funds and RPs with banks                        81.9      71.6      80.5     131.5      94.3      90.1      96.3      90.6          83.8      83.3      75.3      80.9
  13b   Other                                               74.9      64.9      70.4      75.8      81.5      62.7      69.5      75.2          76.8      73.6      75.2      73.1

  14  Cash assets (5)                                      147.9     146.8     140.7     174.8     155.3     151.2     146.8     143.9         167.6     135.8     142.5     130.9

  15  Other assets (6)                                     267.8     271.1     283.1     308.6     323.9     321.8     311.3     313.6         318.3     310.9     318.0     318.8

  16  TOTAL ASSETS (7)                                   3,123.9   3,140.0   3,160.2   3,343.2   3,247.5   3,219.4   3,181.5   3,152.6       3,178.7   3,127.3   3,160.0   3,146.3



      -------------------------------------------------

  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)                                                                                       February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,699.7   1,752.4   1,754.8   1,860.1   1,792.3   1,792.5   1,798.3   1,787.9       1,789.5   1,771.8   1,785.3   1,783.4
  18    Transaction                                        303.2     306.8     304.4     376.1     323.5     320.8     321.5     314.6         327.4     324.9     298.3     302.8
  19    Nontransaction                                   1,396.6   1,445.6   1,450.3   1,483.9   1,468.8   1,471.7   1,476.9   1,473.2       1,462.1   1,446.9   1,487.0   1,480.6
  20       Large time                                      271.2     271.6     264.9     264.7     260.3     251.4     246.6     240.7         235.9     238.1     247.6     246.4
  21       Other                                         1,125.4   1,174.0   1,185.5   1,219.2   1,208.6   1,220.3   1,230.3   1,232.6       1,226.3   1,208.7   1,239.3   1,234.2

  22  Borrowings                                           673.5     672.9     678.3     709.6     692.1     658.2     657.5     652.3         661.3     650.6     668.3     651.1
  23    From banks in the U.S.                             214.9     218.9     226.5     257.6     233.6     212.6     215.0     208.7         200.8     202.1     210.9     208.2
  24    From others                                        458.6     454.0     451.7     452.0     458.5     445.7     442.4     443.7         460.5     448.5     457.4     442.9

  25  Net due to related foreign offices                   200.9     192.4     190.3     178.0     184.6     181.7     187.3     177.9         189.5     168.6     164.5     164.3

  26  Other liabilities                                    241.6     198.5     211.2     258.5     231.8     264.0     220.4     201.3         195.5     195.4     197.8     205.1

  27  TOTAL LIABILITIES                                  2,815.7   2,816.3   2,834.5   3,006.2   2,900.9   2,896.4   2,863.5   2,819.5       2,835.8   2,786.4   2,815.9   2,804.0

  28  Residual (assets less liabilities) (8)               308.2     323.7     325.7     337.0     346.6     322.9     318.1     333.1         342.9     340.9     344.1     342.3



      -------------------------------------------------

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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                                                                                               February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,600.0   2,607.3   2,609.5   2,681.2   2,635.1   2,650.0   2,621.4   2,584.0       2,577.9   2,572.7   2,599.0   2,589.8

  2     Securities in bank credit                          600.4     599.5     623.4     637.2     648.5     658.8     642.9     642.8         641.0     640.4     647.7     640.2
  3        Treasury and Agency securities (2)              361.6     348.2     355.5     359.7     360.7     368.2     377.5     366.7         367.2     360.1     367.3     361.1
  3a         Trading account                                34.5      37.9      35.9      37.7      35.5      40.6      34.1      32.9          35.1      32.9      35.1      34.4
  3b         Investment account                            327.1     310.3     319.7     322.0     325.1     327.6     343.3     333.8         332.1     327.2     332.2     326.7
  3c           Mortgage-backed                             225.9     229.1     241.8     247.3     257.9     256.1     269.3     259.6         258.7     250.7     251.8     244.7
  3d           Other                                       101.2      81.3      77.9      74.8      67.3      71.5      74.0      74.2          73.4      76.5      80.3      81.9
  3e             1 year or less                             29.9      21.1      20.1      20.1      18.2      27.0      26.4      24.7          23.7      25.0      26.5      27.5
  3f             Between 1 and 5 years                      38.9      34.3      33.8      34.6      31.9      30.3      35.2      36.7          36.7      39.0      42.2      42.9
  3g             More than 5 years                          32.4      25.9      24.0      20.1      17.1      14.2      12.3      12.8          13.0      12.6      11.6      11.5
  4        Other securities                                238.8     251.3     267.9     277.5     287.9     290.6     265.4     276.0         273.8     280.3     280.4     279.1
  4a         Trading account                               127.6     138.1     151.9     160.5     167.4     167.1     131.2     130.0         127.1     132.6     134.1     133.1
  4b         Investment account                            111.2     113.3     116.0     117.0     120.5     123.5     134.2     146.1         146.7     147.7     146.2     146.0
  4c           State and local government                   27.5      27.3      27.3      27.4      27.1      27.4      27.6      27.8          27.9      28.0      28.0      28.0
  4d           Other                                        83.8      86.0      88.7      89.6      93.4      96.0     106.6     118.2         118.8     119.7     118.2     118.0

  5     Loans and leases in bank credit (3)              1,999.6   2,007.8   1,986.1   2,044.0   1,986.5   1,991.2   1,978.5   1,941.2       1,936.9   1,932.3   1,951.3   1,949.6
  6        Commercial and industrial                       592.2     562.3     554.0     559.7     545.2     536.0     523.0     514.0         514.0     514.5     517.6     517.7
  7        Real estate                                     829.8     854.3     847.4     847.8     845.4     858.4     860.8     844.6         844.6     838.5     849.2     849.3
  8          Revolving home equity                          81.6      87.7      88.7      90.5      93.2      94.4      95.7      97.7          97.9      98.4      99.0      99.9
  9a         Other residential                             451.7     465.0     457.7     454.8     440.8     451.5     453.7     438.3         438.5     432.0     441.8     440.5
  9b         Commercial                                    296.6     301.5     301.0     302.4     311.3     312.5     311.4     308.6         308.2     308.2     308.4     308.9
  10       Consumer                                        248.6     252.4     250.2     251.9     240.4     243.5     247.7     241.9         241.4     240.8     248.3     247.8
  10a        Credit card and related plans                  83.5      87.3      85.1      84.6      74.3      76.5      80.1      71.5          70.8      69.5      76.5      76.3
  10f        Other                                         165.1     165.1     165.1     167.3     166.1     167.0     167.6     170.4         170.7     171.3     171.8     171.4
  11       Security (4)                                     60.5      70.5      73.6      89.1      72.9      71.0      65.5      68.4          67.7      67.8      71.0      69.2
  11a        Fed funds and RPs with broker/dealer           43.7      55.9      59.9      62.8      58.9      56.0      50.0      54.9          55.0      54.5      58.5      56.7
  11b        Other                                          16.8      14.6      13.7      26.3      14.0      15.0      15.4      13.4          12.7      13.3      12.5      12.5
  12a      State and local government                       12.8      14.2      14.2      14.4      15.3      15.7      14.9      14.6          14.6      14.6      14.5      14.6
  12b      Agricultural                                     10.2      10.2       9.6       9.3       9.3       9.4       9.3       9.5           9.4       9.3       9.3       9.5
  12c      Fed funds and RPs with others                    26.0      31.0      31.9      32.6      28.8      30.6      29.3      27.9          28.6      29.5      25.2      24.9
  12d      All other loans                                  86.7      82.4      75.7     110.3     104.6     101.7      97.1      85.5          81.6      82.5      81.5      82.1
  12e      Lease financing receivables                     132.6     130.5     129.5     128.9     124.8     124.8     130.8     134.9         134.9     134.7     134.7     134.5

  13  Interbank loans                                      158.3     136.4     145.4     199.5     168.7     153.8     170.1     167.5         159.9     159.2     149.1     154.2
  13a   Fed funds and RPs with banks                        82.6      71.5      77.6     126.5      90.5      90.7      98.8      91.6          83.4      84.5      74.6      81.0
  13b   Other                                               75.7      64.8      67.8      73.0      78.2      63.1      71.3      75.9          76.5      74.7      74.5      73.2

  14  Cash assets (5)                                      158.8     140.4     132.9     170.5     154.2     152.6     158.3     154.1         177.4     138.7     137.8     130.9

  15  Other assets (6)                                     268.4     270.4     280.4     308.8     320.0     321.3     316.9     314.7         313.8     309.9     318.0     318.0

  16  TOTAL ASSETS (7)                                   3,148.3   3,116.5   3,129.9   3,321.5   3,238.7   3,237.8   3,225.3   3,177.3       3,186.2   3,137.1   3,159.6   3,148.6

      -------------------------------------------------

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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)                                                                                   February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,705.9   1,744.2   1,738.8   1,848.8   1,785.7   1,799.7   1,817.5   1,794.1       1,776.9   1,765.9   1,789.8   1,794.6
  18    Transaction                                        312.1     302.0     293.4     369.7     317.8     323.3     340.5     323.9         327.3     325.8     290.0     298.5
  19    Nontransaction                                   1,393.8   1,442.2   1,445.4   1,479.1   1,467.9   1,476.5   1,477.0   1,470.2       1,449.6   1,440.2   1,499.9   1,496.1
  20       Large time                                      274.5     267.9     263.1     261.7     261.6     256.2     250.7     243.9         238.8     240.8     251.4     250.7
  21       Other                                         1,119.3   1,174.3   1,182.3   1,217.5   1,206.3   1,220.2   1,226.3   1,226.2       1,210.8   1,199.4   1,248.4   1,245.4

  22  Borrowings                                           690.6     663.6     656.6     704.3     689.8     666.6     659.6     668.5         683.9     666.8     675.9     654.6
  23    From banks in the U.S.                             221.1     215.6     218.3     247.8     228.4     213.4     216.5     214.7         207.9     207.7     215.8     212.9
  24    From others                                        469.5     448.0     438.3     456.5     461.4     453.2     443.1     453.8         475.9     459.1     460.1     441.7

  25  Net due to related foreign offices                   201.8     189.2     190.6     177.5     184.8     183.5     187.6     178.5         191.7     171.0     165.6     165.6

  26  Other liabilities                                    242.7     195.5     211.5     257.8     231.8     266.4     220.9     202.0         197.5     198.0     199.0     206.6

  27  TOTAL LIABILITIES                                  2,841.0   2,792.6   2,797.6   2,988.4   2,892.1   2,916.2   2,885.6   2,843.1       2,849.9   2,801.8   2,830.3   2,821.4

  28  Residual (assets less liabilities) (8)               307.3     323.9     332.3     333.2     346.6     321.6     339.7     334.2         336.3     335.4     329.3     327.2













      -------------------------------------------------

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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                                                                                                   February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,062.5   2,108.8   2,127.3   2,139.9   2,182.0   2,200.8   2,221.9   2,245.0       2,242.8   2,246.7   2,249.2   2,245.9

  2     Securities in bank credit                          550.8     557.3     567.2     574.2     588.5     594.7     607.1     612.1         609.1     613.8     614.2     615.5
  3        Treasury and Agency securities (2)              361.8     353.3     359.9     364.9     377.9     381.7     388.4     392.0         390.2     394.9     397.1     398.0
  4        Other securities                                189.0     204.0     207.4     209.3     210.5     213.0     218.7     220.1         218.9     218.9     217.0     217.6

  5     Loans and leases in bank credit (3)              1,511.7   1,551.5   1,560.1   1,565.7   1,593.5   1,606.1   1,614.8   1,632.9       1,633.8   1,632.9   1,635.0   1,630.3
  6        Commercial and industrial                       291.5     303.1     303.1     302.2     303.5     302.6     303.9     304.5         303.9     303.6     305.5     306.3
  7        Real estate                                     816.4     844.3     852.2     860.0     875.6     881.5     888.4     896.6         895.5     898.0     900.9     901.1
  8          Revolving home equity                          46.6      50.5      51.8      52.7      55.0      55.6      57.0      58.4          58.4      58.8      59.1      59.3
  9          Other                                         769.9     793.8     800.4     807.3     820.7     825.9     831.4     838.2         837.1     839.2     841.8     841.8
  10       Consumer                                        301.2     296.2     297.1     296.0     308.9     314.8     314.7     324.8         326.6     325.2     321.8     315.6
  11       Security (4)                                      6.9       8.3       8.4       8.6       7.8       7.8       8.0       7.7           7.8       7.6       7.7       7.9
  12       Other loans and leases                           95.8      99.7      99.2      99.0      97.7      99.4      99.8      99.3         100.0      98.5      99.1      99.4

  13  Interbank loans                                       83.9     115.4     116.9     120.7     103.3     104.1     103.3      98.4         100.3      96.5      96.1     100.4

  14  Cash assets (5)                                      102.3     105.1     105.9     109.2     109.0     106.4     108.9     111.1         118.6     113.6     112.5     111.8

  15  Other assets (6)                                      94.2     118.4     120.2     127.5     130.9     129.7     133.1     133.6         131.6     133.5     138.0     153.9

  16  TOTAL ASSETS (7)                                   2,316.0   2,419.6   2,441.5   2,468.0   2,495.2   2,510.5   2,536.8   2,557.3       2,562.4   2,559.6   2,565.5   2,581.7

            L I A B I L I T I E S

  17  Deposits                                           1,807.6   1,905.3   1,922.1   1,939.7   1,947.3   1,956.8   1,979.3   1,992.6       1,997.4   1,986.8   1,989.1   1,990.6
  18    Transaction                                        294.7     290.2     297.1     301.1     303.8     299.5     299.7     304.1         315.1     320.6     293.5     295.2
  19    Nontransaction                                   1,512.9   1,615.2   1,625.0   1,638.6   1,643.5   1,657.3   1,679.6   1,688.5       1,682.3   1,666.2   1,695.6   1,695.4
  20       Large time                                      296.8     301.4     305.2     305.0     307.8     309.5     304.3     302.5         302.5     301.2     302.8     302.7
  21       Other                                         1,216.1   1,313.8   1,319.8   1,333.6   1,335.7   1,347.8   1,375.3   1,386.0       1,379.8   1,365.0   1,392.8   1,392.6

  22  Borrowings                                           339.6     337.9     343.9     355.3     364.7     366.6     373.5     380.3         386.5     384.8     374.8     375.1
  23    From banks in the U.S.                             156.4     149.4     151.5     156.1     166.3     166.0     166.9     171.3         174.9     172.1     168.0     168.7
  24    From others                                        183.2     188.5     192.5     199.2     198.5     200.6     206.6     209.0         211.6     212.7     206.9     206.5

  25  Net due to related foreign offices                    16.8      14.7      15.5      10.5       9.5      10.2      10.0       8.9           7.3       8.2       9.8       9.8

  26  Other liabilities                                     49.6      59.1      60.5      62.4      64.2      65.3      65.9      69.8          69.7      70.9      70.9      69.6

  27  TOTAL LIABILITIES                                  2,213.5   2,317.0   2,342.0   2,367.9   2,385.7   2,398.9   2,428.7   2,451.6       2,460.9   2,450.8   2,444.6   2,445.1

  28  Residual (assets less liabilities) (8)               102.5     102.6      99.5     100.0     109.5     111.5     108.1     105.7         101.5     108.8     120.9     136.6



      -------------------------------------------------

  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                                                                                               February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,058.2   2,108.9   2,130.5   2,145.6   2,183.8   2,202.0   2,226.5   2,240.7       2,237.3   2,240.3   2,239.2   2,234.8

  2     Securities in bank credit                          550.2     557.1     566.6     574.1     586.1     592.9     606.2     611.5         608.6     612.4     612.4     613.5
  3        Treasury and Agency securities (2)              361.2     353.1     359.2     364.8     375.5     379.8     387.5     391.4         389.7     393.6     395.3     395.9
  4        Other securities                                189.0     204.0     207.4     209.3     210.5     213.0     218.7     220.1         218.9     218.9     217.0     217.6

  5     Loans and leases in bank credit (3)              1,508.0   1,551.8   1,564.0   1,571.5   1,597.8   1,609.1   1,620.3   1,629.2       1,628.7   1,627.9   1,626.8   1,621.3
  6        Commercial and industrial                       290.5     302.9     301.4     300.7     303.1     301.9     304.8     303.6         302.5     302.1     303.8     304.3
  7        Real estate                                     814.8     844.8     854.0     861.7     876.7     881.9     888.5     894.8         894.2     896.6     897.5     897.8
  8          Revolving home equity                          46.6      50.2      51.5      52.9      55.2      55.8      57.2      58.4          58.5      58.9      59.0      59.1
  9          Other                                         768.3     794.6     802.5     808.8     821.5     826.1     831.3     836.4         835.8     837.7     838.5     838.7
  10       Consumer                                        302.0     295.4     299.4     299.5     311.1     316.9     318.5     325.7         327.6     326.0     320.8     314.3
  10a        Credit card and related plans                 134.1     129.6     133.0     132.6     142.5     149.5     152.4     157.9         159.7     157.6     151.5     145.5
  10h        Other                                         167.9     165.7     166.4     166.9     168.6     167.4     166.0     167.7         167.8     168.4     169.3     168.9
  11       Security (4)                                      6.8       8.1       8.2       8.5       7.9       8.2       8.2       7.7           7.4       7.4       7.8       7.9
  12       Other loans and leases                           93.8     100.6     100.9     101.0      99.0     100.2     100.4      97.5          96.9      95.8      96.9      96.9

  13  Interbank loans                                       84.4     107.8     111.0     116.7     104.4     111.3     109.0      99.0          95.3      93.4     101.1     104.3

  14  Cash assets (5)                                      105.3     103.8     103.1     109.9     109.7     111.8     115.4     114.3         119.9     111.8     108.4     107.9

  15  Other assets (6)                                      94.2     118.4     120.2     127.5     130.9     129.7     133.1     133.6         131.6     133.5     138.0     153.9

  16  TOTAL ASSETS (7)                                   2,315.3   2,410.8   2,436.1   2,470.2   2,498.8   2,524.3   2,553.7   2,556.8       2,553.2   2,548.2   2,556.3   2,570.7

            L I A B I L I T I E S

  17  Deposits                                           1,806.3   1,892.1   1,909.2   1,933.4   1,948.7   1,969.6   1,998.8   1,992.3       1,984.3   1,976.5   1,992.0   1,992.5
  18    Transaction                                        297.4     288.6     294.3     301.1     303.5     303.0     310.4     306.6         310.5     315.6     288.7     288.4
  19    Nontransaction                                   1,509.0   1,603.5   1,614.9   1,632.3   1,645.2   1,666.6   1,688.4   1,685.7       1,673.8   1,660.8   1,703.3   1,704.1
  20       Large time                                      296.8     301.4     305.2     305.0     307.8     309.5     304.3     302.5         302.5     301.2     302.8     302.7
  21       Other                                         1,212.2   1,302.1   1,309.7   1,327.3   1,337.4   1,357.1   1,384.1   1,383.2       1,371.3   1,359.6   1,400.5   1,401.4

  22  Borrowings                                           339.6     337.9     343.9     355.3     364.7     366.6     373.5     380.3         386.5     384.8     374.8     375.1
  23    From banks in the U.S.                             156.4     149.4     151.5     156.1     166.3     166.0     166.9     171.3         174.9     172.1     168.0     168.7
  24    From others                                        183.2     188.5     192.5     199.2     198.5     200.6     206.6     209.0         211.6     212.7     206.9     206.5

  25  Net due to related foreign offices                    16.8      14.7      15.5      10.5       9.5      10.2      10.0       8.9           7.3       8.2       9.8       9.8

  26  Other liabilities                                     49.6      59.1      60.5      62.4      64.2      65.3      65.9      69.8          69.7      70.9      70.9      69.6

  27  TOTAL LIABILITIES                                  2,212.2   2,303.8   2,329.1   2,361.6   2,387.1   2,411.8   2,448.2   2,451.3       2,447.8   2,440.4   2,447.5   2,447.1

  28  Residual (assets less liabilities) (8)               103.1     107.1     106.9     108.6     111.7     112.5     105.5     105.4         105.3     107.7     108.8     123.6




      -------------------------------------------------

  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                                                                                                                         February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          619.5     600.4     597.7     593.9     586.1     592.9     584.9     577.1         579.0     578.6     571.8     579.7

  2     Securities in bank credit                          213.1     223.8     222.5     223.9     227.0     229.6     228.7     222.7         222.2     221.9     218.8     220.0
  3        Treasury and Agency securities (2)               66.1      49.5      48.8      51.6      56.1      59.2      57.0      52.9          52.9      49.0      48.5      49.1
  4        Other securities                                147.0     174.3     173.8     172.4     170.9     170.5     171.7     169.9         169.3     172.9     170.3     170.9

  5     Loans and leases in bank credit (3)                406.4     376.6     375.2     370.0     359.1     363.3     356.3     354.4         356.8     356.8     353.0     359.7
  6        Commercial and industrial                       214.8     205.9     204.8     204.9     199.7     199.8     195.3     192.4         192.7     190.7     195.4     195.8
  7        Real estate                                      18.1      18.2      18.4      18.7      18.7      18.9      19.0      19.0          19.2      18.9      18.7      18.8
  11       Security (4)                                    106.1      86.7      84.7      79.0      72.4      76.6      73.7      74.5          75.8      79.0      69.7      74.5
  12       Other loans and leases                           67.4      65.8      67.3      67.3      68.2      68.0      68.3      68.6          69.1      68.2      69.2      70.5

  13  Interbank loans                                       29.0      21.2      20.2      26.0      23.9      25.5      21.1      26.4          32.5      33.4      26.4      20.6

  14  Cash assets (5)                                       41.6      36.8      37.5      45.5      39.1      37.3      36.4      36.3          38.7      35.0      37.5      36.4

  15  Other assets (6)                                      36.1      30.4      30.1      33.5      32.3      34.2      30.9      32.5          32.4      32.7      32.8      32.4

  16  TOTAL ASSETS (7)                                     725.8     688.5     685.1     698.4     681.1     689.6     673.0     672.0         682.3     679.4     668.1     668.6

            L I A B I L I T I E S

  17  Deposits                                             387.7     413.7     407.0     409.4     421.7     428.4     435.4     454.2         461.4     467.1     465.3     457.0
  18    Transaction                                         10.2       9.2       9.5      12.3      10.8      10.7      11.1      11.0          11.3      10.4      10.3      11.0
  19    Nontransaction                                     377.5     404.6     397.4     397.1     411.0     417.7     424.3     443.2         450.1     456.7     455.0     446.0

  22  Borrowings                                           244.4     211.2     210.6     221.8     208.4     213.0     202.6     187.0         178.0     193.3     181.0     192.5
  23    From banks in the U.S.                              25.8      22.3      20.6      30.5      23.9      24.2      24.5      22.0          17.2      24.0      18.9      29.0
  24    From others                                        218.7     188.9     190.0     191.2     184.5     188.8     178.1     165.0         160.8     169.2     162.1     163.5

  25  Net due to related foreign offices                     3.6     -16.4     -12.8     -19.1     -17.2     -30.7     -49.7     -58.1         -50.4     -74.5     -70.7     -70.5

  26  Other liabilities                                     82.8      78.4      76.0      78.4      74.3      77.0      74.6      76.0          76.3      77.0      78.3      76.3

  27  TOTAL LIABILITIES                                    718.5     686.9     680.8     690.5     687.3     687.7     662.9     659.0         665.2     662.9     653.9     655.3

  28  Residual (assets less liabilities) (8)                 7.3       1.7       4.3       7.9      -6.2       1.9      10.0      12.9          17.1      16.5      14.2      13.3



      -------------------------------------------------

  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                                                                                                                     February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          627.6     595.9     591.3     592.1     589.0     595.8     594.6     583.6         583.8     583.7     576.1     583.5

  2     Securities in bank credit (2)                      213.1     223.8     222.5     223.9     227.0     229.6     228.7     222.7         222.2     221.9     218.8     220.0
  3        Treasury and Agency securities                   66.1      49.5      48.8      51.6      56.1      59.2      57.0      52.9          52.9      49.0      48.5      49.1
  3a         Trading account                                11.4      12.4      11.7      13.1      14.3      13.4      12.4      11.5          11.7      10.5      11.2      11.5
  3b         Investment account                             54.7      37.1      37.1      38.4      41.8      45.8      44.6      41.4          41.2      38.5      37.3      37.5
  4        Other securities                                147.0     174.3     173.8     172.4     170.9     170.5     171.7     169.9         169.3     172.9     170.3     170.9
  4a         Trading account                                99.8     107.9     109.4     108.5     107.5     108.2     108.1     103.4         103.9     102.9     100.6     100.3
  4b         Investment account                             47.2      66.4      64.4      63.9      63.3      62.2      63.6      66.5          65.4      70.0      69.7      70.6

  5     Loans and leases in bank credit (3)                414.5     372.1     368.7     368.2     362.0     366.1     365.9     360.8         361.6     361.8     357.3     363.5
  6        Commercial and industrial                       216.5     205.2     203.5     204.6     200.0     200.5     197.6     193.9         193.6     191.6     196.5     198.4
  7        Real estate                                      18.1      18.2      18.4      18.7      18.7      18.9      19.0      19.0          19.2      18.9      18.7      18.8
  11       Security (4)                                    111.4      83.9      80.8      77.8      75.5      78.1      78.4      78.2          79.3      82.5      72.3      75.5
  12       Other loans and leases                           68.5      64.8      66.0      67.1      67.8      68.5      70.9      69.7          69.5      68.8      69.8      70.7

  13  Interbank loans                                       29.0      21.2      20.2      26.0      23.9      25.5      21.1      26.4          32.5      33.4      26.4      20.6

  14  Cash assets (5)                                       44.2      35.5      36.3      44.5      39.9      39.4      39.0      38.7          41.2      36.8      38.5      37.1

  15  Other assets (6)                                      37.4      29.6      29.8      33.2      31.8      34.3      32.4      33.7          33.2      33.7      34.1      33.4

  16  TOTAL ASSETS (7)                                     737.8     682.0     677.2     695.4     684.3     694.5     686.6     682.0         690.4     687.2     674.7     674.2

            L I A B I L I T I E S

  17  Deposits                                             397.7     403.5     395.1     401.4     414.3     431.7     448.5     466.8         474.4     480.7     477.1     467.6
  18    Transaction                                         10.4       9.3       9.5      12.6      10.9      10.9      11.8      11.2          11.3      10.4      10.1      10.7
  19    Nontransaction                                     387.3     394.3     385.6     388.7     403.4     420.8     436.7     455.6         463.0     470.3     467.0     456.8

  22  Borrowings                                           244.4     211.2     210.6     221.8     208.4     213.0     202.6     187.0         178.0     193.3     181.0     192.5
  23    From banks in the U.S.                              25.8      22.3      20.6      30.5      23.9      24.2      24.5      22.0          17.2      24.0      18.9      29.0
  24    From others                                        218.7     188.9     190.0     191.2     184.5     188.8     178.1     165.0         160.8     169.2     162.1     163.5

  25  Net due to related foreign offices                     6.8     -19.6     -14.1     -16.6     -16.9     -30.6     -44.7     -54.6         -50.4     -69.6     -67.2     -67.2

  26  Other liabilities                                     84.3      76.9      75.5      79.5      74.5      77.0      76.6      77.4          76.3      79.0      79.8      77.7

  27  TOTAL LIABILITIES                                    733.2     672.0     667.2     686.1     680.4     691.1     683.0     676.6         678.2     683.4     670.8     670.6

  28  Residual (assets less liabilities) (8)                 4.6       9.9      10.0       9.3       3.9       3.4       3.6       5.4          12.2       3.8       4.0       3.6







      -------------------------------------------------

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars                                                                                                                     February 22, 2002


               Account                                    2001      2001      2001      2001      2001      2001      2001      2002                      Week ending
                                                           Jan       Jul       Aug       Sep       Oct       Nov       Dec       Jan         Jan 23    Jan 30     Feb 6    Feb 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)              79.6      79.8      89.8      98.0     100.8     104.3      80.6      86.5          86.4      89.0      88.5      83.9

  30  Reval. losses on off-bal. sheet items (9)             82.5      71.8      78.4      84.8      86.0      86.5      68.4      66.7          66.4      68.1      66.5      62.6

  31  Mortgage-backed securities (10)                      254.8     262.1     274.6     280.5     290.3     290.7     311.8     308.8         307.6     298.7     299.8     292.7
  31a   Pass-through                                       186.8     199.8     211.3     217.1     221.4     205.4     209.3     209.9         210.0     201.2     202.0     196.4
  31b   CMO, REMIC, and other                               68.0      62.3      63.4      63.4      68.9      85.3     102.6      98.9          97.6      97.5      97.9      96.2

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                   3.7       2.6       5.1       7.1       9.2      10.0       5.2       3.1           3.1       3.5       4.3       3.8

  33  Offshore credit to U.S. residents (12)                23.0      20.2      19.6      20.2      20.0      19.2      19.1      19.4          19.4      19.5      19.3      19.3

  34  Securitized consumer loans (13)                       79.8      96.5      96.3      97.1      97.8      99.3      99.4      94.7          94.1      95.0      93.0      92.9
  34a   Credit card and related plans                       69.7      86.7      86.2      87.2      87.8      88.3      88.7      84.3          83.7      84.7      82.7      82.7
  34b   Other                                               10.1       9.8      10.2      10.0       9.9      11.0      10.7      10.4          10.4      10.3      10.3      10.2

  35  Securitized business loans (13)                       13.5      20.6      20.8      20.9      21.1      20.6      19.7      19.4          19.3      19.8      19.7      19.8


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      206.5     240.4     245.5     251.4     256.6     262.0     266.8     268.9         267.5     269.2     270.4     271.8

  34  Securitized consumer loans (13)                      229.9     225.3     228.2     231.3     234.9     237.8     243.3     250.7         250.8     251.2     246.0     246.4
  34a   Credit card and related plans                      221.0     216.9     219.9     223.0     226.9     229.5     235.2     242.8         242.9     243.3     238.4     239.2
  34b   Other                                                8.9       8.5       8.3       8.2       8.0       8.3       8.1       7.9           7.9       7.9       7.6       7.2


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              55.2      53.8      55.1      54.9      56.5      55.6      55.4      52.6          52.6      52.5      54.0      53.5

  30  Reval. losses on off-bal. sheet items (9)             52.1      49.0      51.1      50.5      48.8      48.7      49.4      49.5          49.6      49.6      50.8      49.6

  35  Securitized business loans (13)                       36.5      27.4      26.6      26.5      26.6      25.2      24.0      23.3          23.3      22.9      23.5      25.4











      -------------------------------------------------

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                 February 22, 2002

  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 entities other than nonfinancial businesses.
  13. Total amount outstanding.


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Last update: February 22, 2002