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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,356.0 5,428.2 5,422.8 5,446.4 5,502.4 5,546.1 5,592.9 5,675.6 5,694.1 5,740.0 5,712.1 5,729.4 2 Securities in bank credit 1,423.0 1,478.2 1,477.0 1,500.0 1,533.5 1,558.9 1,586.6 1,625.1 1,630.0 1,663.6 1,625.2 1,619.8 3 Treasury and Agency securities (2) 794.6 837.3 854.1 874.5 896.4 909.1 917.3 945.9 958.4 975.0 961.5 954.4 4 Other securities 628.4 640.9 623.0 625.5 637.1 649.8 669.3 679.2 671.6 688.7 663.8 665.4 5 Loans and leases in bank credit (3) 3,933.0 3,950.0 3,945.8 3,946.4 3,968.9 3,987.2 4,006.3 4,050.5 4,064.1 4,076.4 4,086.9 4,109.6 6 Commercial and industrial 1,064.8 1,029.1 1,024.5 1,009.7 1,004.6 998.0 986.8 987.2 987.3 985.9 981.9 978.2 7 Real estate 1,718.3 1,790.1 1,790.8 1,794.9 1,817.6 1,840.2 1,870.5 1,901.6 1,907.1 1,920.3 1,937.2 1,940.2 8 Revolving home equity 141.4 162.2 167.6 172.0 179.2 185.4 192.4 197.1 197.4 198.2 199.2 199.8 9 Other 1,576.9 1,627.9 1,623.2 1,623.0 1,638.4 1,654.8 1,678.1 1,704.5 1,709.7 1,722.1 1,738.0 1,740.5 10 Consumer 552.8 563.5 562.7 567.5 570.3 569.5 566.5 576.6 582.1 582.3 582.6 585.9 11 Security (4) 166.4 151.9 159.9 167.4 170.1 171.6 179.3 179.1 179.0 179.5 178.2 192.9 12 Other loans and leases 430.7 415.4 407.9 406.8 406.5 407.9 403.2 406.0 408.6 408.4 407.0 412.4 13 Interbank loans 282.0 277.7 269.7 271.0 289.3 284.1 289.9 305.6 318.3 316.0 308.1 318.1 14 Cash assets (5) 284.5 297.7 300.2 298.7 297.8 300.4 301.2 307.5 304.1 323.8 288.7 301.6 15 Other assets (6) 444.2 491.4 471.1 482.8 490.1 487.3 496.4 512.1 506.8 510.1 515.4 504.4 16 TOTAL ASSETS (7) 6,299.4 6,420.4 6,388.9 6,424.7 6,505.2 6,543.4 6,606.1 6,726.7 6,748.9 6,815.3 6,750.0 6,779.0 L I A B I L I T I E S 17 Deposits 4,093.4 4,274.4 4,314.1 4,333.7 4,366.8 4,389.8 4,431.1 4,474.1 4,482.0 4,524.7 4,473.7 4,477.2 18 Transaction 613.4 625.0 621.1 602.8 615.2 608.1 618.9 605.7 652.2 586.9 560.1 581.9 19 Nontransaction 3,480.0 3,649.4 3,693.0 3,730.9 3,751.7 3,781.7 3,812.2 3,868.4 3,829.8 3,937.8 3,913.6 3,895.3 20 Large time 964.9 1,012.9 1,027.8 1,043.6 1,050.3 1,046.3 1,052.5 1,052.1 1,049.3 1,052.2 1,048.5 1,049.2 21 Other 2,515.1 2,636.6 2,665.2 2,687.4 2,701.3 2,735.4 2,759.7 2,816.4 2,780.4 2,885.6 2,865.1 2,846.1 22 Borrowings 1,235.5 1,233.7 1,204.5 1,220.8 1,248.6 1,246.6 1,247.4 1,308.1 1,330.1 1,328.2 1,314.9 1,334.4 23 From banks in the U.S. 390.8 395.3 382.8 381.4 382.0 375.8 384.2 403.1 408.4 417.8 419.0 416.1 24 From others 844.8 838.4 821.7 839.4 866.7 870.8 863.3 905.0 921.8 910.4 895.9 918.3 25 Net due to related foreign offices 197.3 97.9 101.9 103.7 92.2 90.8 90.8 91.0 89.4 96.3 102.7 102.3 26 Other liabilities 354.3 336.1 309.4 319.2 331.2 359.4 387.7 407.0 395.7 417.0 408.9 412.1 27 TOTAL LIABILITIES 5,880.6 5,942.0 5,930.0 5,977.3 6,038.8 6,086.6 6,157.1 6,280.2 6,297.2 6,366.2 6,300.2 6,326.0 28 Residual (assets less liabilities) (8) 418.7 478.4 458.9 447.3 466.3 456.8 449.0 446.5 451.6 449.1 449.8 453.0 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,333.5 5,433.3 5,416.9 5,443.2 5,496.3 5,540.5 5,566.0 5,653.0 5,669.2 5,726.5 5,700.9 5,731.2 2 Securities in bank credit 1,415.6 1,485.7 1,482.7 1,499.3 1,530.7 1,554.8 1,572.5 1,616.4 1,621.4 1,662.5 1,622.4 1,615.3 3 Treasury and Agency securities (2) 789.3 844.3 860.3 876.3 894.1 906.3 909.0 939.6 951.6 973.7 959.5 950.3 4 Other securities 626.3 641.4 622.4 623.1 636.7 648.4 663.4 676.8 669.8 688.9 662.9 664.9 5 Loans and leases in bank credit (3) 3,917.9 3,947.6 3,934.2 3,943.9 3,965.5 3,985.8 3,993.6 4,036.6 4,047.8 4,063.9 4,078.5 4,115.9 6 Commercial and industrial 1,058.9 1,028.0 1,025.9 1,013.8 1,008.1 1,000.2 985.7 981.6 979.4 980.5 975.7 977.7 7 Real estate 1,719.3 1,784.9 1,783.2 1,791.6 1,820.2 1,841.2 1,869.9 1,902.7 1,908.3 1,920.9 1,939.9 1,943.4 8 Revolving home equity 141.5 162.2 166.1 171.3 179.5 185.6 192.2 197.2 197.9 198.8 200.2 201.0 9 Other 1,577.8 1,622.8 1,617.2 1,620.3 1,640.7 1,655.6 1,677.7 1,705.6 1,710.4 1,722.2 1,739.8 1,742.3 10 Consumer 549.4 565.8 559.9 564.1 568.5 565.4 560.6 573.2 581.0 580.5 580.9 586.7 10a Credit card and related plans 217.7 223.5 219.9 223.6 223.1 221.6 216.0 225.3 231.0 230.4 229.3 234.4 10b Other 331.7 342.4 340.0 340.5 345.4 343.8 344.5 347.9 350.0 350.1 351.6 352.3 11 Security (4) 162.3 153.5 157.5 166.6 163.6 170.6 174.6 174.5 173.8 172.1 174.4 197.1 12 Other loans and leases 428.0 415.3 407.6 407.8 405.1 408.4 402.8 404.5 405.4 409.9 407.5 411.1 13 Interbank loans 276.3 276.4 274.6 280.9 285.9 286.1 284.1 299.2 301.6 318.7 308.2 310.2 14 Cash assets (5) 271.4 298.9 290.3 297.8 295.1 292.8 292.2 293.6 287.2 339.0 291.2 293.7 15 Other assets (6) 441.8 490.4 470.5 483.2 489.8 485.3 494.9 509.4 501.6 512.8 518.9 505.4 16 TOTAL ASSETS (7) 6,255.4 6,424.3 6,377.4 6,431.2 6,492.5 6,530.2 6,563.1 6,680.8 6,685.2 6,822.0 6,744.5 6,765.7 L I A B I L I T I E S 17 Deposits 4,050.0 4,290.4 4,319.5 4,357.9 4,359.7 4,377.6 4,401.8 4,427.1 4,410.4 4,517.5 4,463.0 4,436.5 18 Transaction 597.5 619.7 616.2 611.2 607.1 605.0 611.4 590.3 628.2 598.3 564.1 571.9 19 Nontransaction 3,452.6 3,670.6 3,703.3 3,746.7 3,752.7 3,772.5 3,790.3 3,836.8 3,782.3 3,919.2 3,898.8 3,864.6 20 Large time 951.7 1,020.0 1,028.7 1,046.1 1,054.0 1,044.0 1,041.4 1,036.4 1,034.7 1,035.6 1,032.8 1,032.6 21 Other 2,500.8 2,650.6 2,674.6 2,700.5 2,698.7 2,728.5 2,748.9 2,800.4 2,747.6 2,883.6 2,866.0 2,832.0 22 Borrowings 1,215.0 1,236.6 1,202.6 1,226.9 1,255.1 1,245.6 1,237.3 1,287.7 1,306.6 1,316.7 1,300.5 1,339.0 23 From banks in the U.S. 385.1 400.2 387.0 386.3 383.2 373.3 380.1 397.9 400.8 411.9 410.1 410.2 24 From others 829.9 836.4 815.6 840.6 871.9 872.3 857.2 889.9 905.8 904.8 890.4 928.8 25 Net due to related foreign offices 194.0 104.3 103.5 95.1 91.7 87.0 81.7 88.1 93.7 94.3 101.5 101.5 26 Other liabilities 352.1 341.3 309.2 311.8 330.7 356.6 379.4 404.3 399.7 415.3 407.8 410.7 27 TOTAL LIABILITIES 5,811.2 5,972.6 5,934.8 5,991.7 6,037.2 6,066.8 6,100.2 6,207.3 6,210.5 6,343.9 6,272.7 6,287.7 28 Residual (assets less liabilities) (8) 444.3 451.8 442.6 439.5 455.3 463.4 462.9 473.5 474.7 478.1 471.8 477.9 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,757.7 4,843.1 4,831.1 4,848.2 4,904.2 4,938.5 4,982.8 5,057.1 5,079.2 5,116.6 5,096.2 5,110.7 2 Securities in bank credit 1,197.3 1,252.1 1,253.1 1,275.1 1,305.5 1,326.3 1,357.4 1,386.3 1,395.3 1,422.3 1,390.4 1,386.3 3 Treasury and Agency securities (2) 725.9 764.6 778.6 797.8 819.5 832.1 843.7 865.5 876.9 890.8 877.3 869.7 4 Other securities 471.5 487.5 474.5 477.3 486.0 494.3 513.7 520.8 518.4 531.5 513.1 516.7 5 Loans and leases in bank credit (3) 3,560.3 3,591.0 3,578.0 3,573.1 3,598.7 3,612.2 3,625.4 3,670.8 3,683.9 3,694.3 3,705.8 3,724.4 6 Commercial and industrial 861.8 832.1 824.3 811.6 806.0 802.5 793.0 794.7 795.6 795.2 792.2 790.7 7 Real estate 1,700.0 1,771.6 1,772.0 1,775.5 1,798.2 1,820.4 1,850.3 1,881.4 1,886.8 1,900.1 1,916.9 1,920.0 8 Revolving home equity 141.4 162.2 167.6 172.0 179.2 185.4 192.4 197.1 197.4 198.2 199.2 199.8 9 Other 1,558.6 1,609.4 1,604.3 1,603.5 1,619.0 1,635.0 1,658.0 1,684.3 1,689.4 1,701.9 1,717.7 1,720.2 10 Consumer 552.8 563.5 562.7 567.5 570.3 569.5 566.5 576.6 582.1 582.3 582.6 585.9 11 Security (4) 82.9 77.9 81.4 82.9 89.0 84.4 86.9 86.1 84.4 82.2 81.4 89.4 12 Other loans and leases 362.8 345.9 337.7 335.5 335.3 335.5 328.8 331.9 334.9 334.5 332.6 338.3 13 Interbank loans 262.0 257.8 249.2 249.0 265.6 263.2 271.8 286.6 296.7 293.2 284.1 296.6 14 Cash assets (5) 248.2 255.9 256.2 252.5 253.7 256.5 257.6 264.2 260.8 279.8 247.6 259.0 15 Other assets (6) 414.3 459.6 441.2 451.5 458.3 452.4 459.7 475.3 473.1 473.1 480.3 469.9 16 TOTAL ASSETS (7) 5,615.1 5,742.3 5,703.3 5,727.4 5,807.6 5,836.5 5,898.0 6,009.4 6,035.8 6,088.7 6,034.3 6,062.1 L I A B I L I T I E S 17 Deposits 3,687.0 3,797.9 3,823.6 3,826.6 3,858.4 3,880.2 3,925.8 3,975.8 3,982.1 4,027.1 3,978.2 3,983.3 18 Transaction 603.6 614.6 611.1 592.3 604.3 597.2 608.3 594.8 641.2 575.2 549.3 571.6 19 Nontransaction 3,083.4 3,183.2 3,212.5 3,234.4 3,254.2 3,283.0 3,317.5 3,381.0 3,340.9 3,451.9 3,428.9 3,411.7 20 Large time 570.7 553.2 552.6 549.5 554.9 551.7 566.9 574.2 570.6 578.1 573.5 575.1 21 Other 2,512.7 2,630.0 2,659.9 2,684.9 2,699.3 2,731.3 2,750.6 2,806.7 2,770.3 2,873.7 2,855.4 2,836.5 22 Borrowings 1,028.2 1,042.6 1,017.0 1,029.3 1,055.9 1,048.5 1,039.1 1,087.9 1,110.8 1,095.3 1,090.3 1,105.3 23 From banks in the U.S. 370.1 372.2 361.1 358.9 360.4 353.6 362.1 379.8 382.8 389.9 395.3 395.3 24 From others 658.1 670.4 655.9 670.4 695.5 694.9 677.1 708.1 728.1 705.5 695.1 710.1 25 Net due to related foreign offices 207.5 171.0 173.4 177.3 179.7 175.6 181.5 179.9 183.8 188.5 187.2 187.5 26 Other liabilities 273.6 258.7 240.4 251.9 260.6 280.8 302.8 316.0 310.4 326.9 324.4 326.1 27 TOTAL LIABILITIES 5,196.3 5,270.1 5,254.5 5,285.1 5,354.7 5,385.0 5,449.2 5,559.6 5,587.2 5,637.8 5,580.1 5,602.2 28 Residual (assets less liabilities) (8) 418.8 472.2 448.8 442.3 453.0 451.5 448.8 449.7 448.6 450.9 454.2 459.9 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,741.1 4,844.3 4,825.3 4,844.9 4,902.0 4,936.0 4,962.2 5,040.8 5,061.5 5,112.5 5,091.1 5,113.5 2 Securities in bank credit 1,190.0 1,259.6 1,258.8 1,274.4 1,302.7 1,322.2 1,343.3 1,377.6 1,386.7 1,421.2 1,387.6 1,381.8 3 Treasury and Agency securities (2) 720.6 771.7 784.9 799.6 817.1 829.3 835.4 859.2 870.1 889.4 875.3 865.5 4 Other securities 469.4 487.9 473.9 474.9 485.6 492.9 507.9 518.4 516.6 531.8 512.3 516.3 5 Loans and leases in bank credit (3) 3,551.1 3,584.7 3,566.5 3,570.5 3,599.3 3,613.9 3,618.9 3,663.1 3,674.8 3,691.3 3,703.5 3,731.7 6 Commercial and industrial 857.6 829.4 824.4 817.0 811.8 805.8 793.3 790.8 789.8 791.4 787.3 790.2 7 Real estate 1,701.0 1,766.5 1,764.4 1,772.2 1,800.8 1,821.4 1,849.7 1,882.5 1,888.0 1,900.7 1,919.7 1,923.1 8 Revolving home equity 141.5 162.2 166.1 171.3 179.5 185.6 192.2 197.2 197.9 198.8 200.2 201.0 9 Other 1,559.5 1,604.3 1,598.3 1,600.9 1,621.3 1,635.7 1,657.5 1,685.3 1,690.1 1,702.0 1,719.5 1,722.1 10 Consumer 549.4 565.8 559.9 564.1 568.5 565.4 560.6 573.2 581.0 580.5 580.9 586.7 10a Credit card and related plans 217.7 223.5 219.9 223.6 223.1 221.6 216.0 225.3 231.0 230.4 229.3 234.4 10d Other 331.7 342.4 340.0 340.5 345.4 343.8 344.5 347.9 350.0 350.1 351.6 352.3 11 Security (4) 81.8 77.2 81.4 81.5 83.7 85.0 85.7 85.0 83.3 82.1 82.0 94.0 12 Other loans and leases 361.3 345.8 336.5 335.8 334.4 336.4 329.7 331.7 332.6 336.4 333.6 337.7 13 Interbank loans 256.3 256.5 254.1 258.8 262.1 265.2 265.9 280.2 280.0 295.9 284.2 288.7 14 Cash assets (5) 236.1 256.3 247.5 253.5 252.4 250.9 250.4 251.5 245.1 296.1 250.5 251.5 15 Other assets (6) 412.3 458.1 439.8 452.2 458.0 451.8 459.6 473.2 467.8 475.3 482.7 470.2 16 TOTAL ASSETS (7) 5,578.6 5,740.8 5,692.1 5,735.9 5,800.4 5,829.9 5,864.4 5,971.7 5,980.4 6,105.1 6,034.3 6,049.4 L I A B I L I T I E S 17 Deposits 3,655.4 3,808.4 3,826.7 3,847.0 3,846.2 3,869.8 3,905.5 3,943.2 3,923.3 4,036.2 3,982.9 3,957.0 18 Transaction 587.9 609.3 606.3 601.2 596.6 594.4 600.8 579.6 617.4 586.7 553.3 561.5 19 Nontransaction 3,067.5 3,199.1 3,220.5 3,245.8 3,249.7 3,275.4 3,304.7 3,363.6 3,305.9 3,449.5 3,429.6 3,395.4 20 Large time 569.0 555.1 551.1 547.8 553.0 550.9 564.7 572.6 568.2 577.3 573.0 572.7 21 Other 2,498.5 2,644.0 2,669.3 2,698.0 2,696.7 2,724.5 2,740.0 2,791.0 2,737.7 2,872.2 2,856.7 2,822.7 22 Borrowings 1,007.7 1,045.5 1,015.1 1,035.4 1,062.4 1,047.5 1,029.1 1,067.6 1,087.3 1,083.8 1,075.9 1,110.0 23 From banks in the U.S. 364.5 377.1 365.3 363.9 361.6 351.1 358.1 374.7 375.2 383.9 386.4 389.4 24 From others 643.2 668.4 649.8 671.6 700.7 696.5 671.0 692.9 712.1 699.9 689.5 720.6 25 Net due to related foreign offices 206.3 174.7 172.0 170.6 179.4 174.3 176.1 179.0 187.0 187.4 186.2 186.2 26 Other liabilities 272.3 262.6 239.0 245.2 260.1 279.3 296.5 314.5 313.9 325.8 323.3 324.5 27 TOTAL LIABILITIES 5,141.7 5,291.2 5,252.9 5,298.2 5,348.1 5,370.9 5,407.2 5,504.3 5,511.5 5,633.3 5,568.4 5,577.6 28 Residual (assets less liabilities) (8) 436.9 449.5 439.3 437.7 452.4 458.9 457.1 467.4 468.8 471.9 465.9 471.8 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,637.3 2,579.8 2,559.9 2,561.4 2,577.1 2,596.6 2,630.0 2,677.5 2,691.1 2,720.2 2,694.9 2,713.1 2 Securities in bank credit 630.3 631.8 629.6 645.4 664.1 683.6 713.1 736.4 745.0 766.2 734.5 737.3 3 Treasury and Agency securities (2) 365.8 362.5 370.0 383.6 390.4 400.1 410.8 427.3 436.8 444.0 430.4 428.4 3a Trading account 36.2 33.6 32.7 38.1 43.0 42.4 43.1 48.0 50.7 55.2 43.5 44.7 3b Investment account 329.6 328.9 337.3 345.4 347.5 357.7 367.7 379.3 386.1 388.8 386.9 383.7 4 Other securities 264.5 269.3 259.6 261.9 273.7 283.6 302.4 309.0 308.2 322.2 304.1 308.9 4a Trading account 153.1 130.0 122.5 128.2 140.5 148.3 168.7 174.4 171.3 184.3 165.5 170.2 4b Investment account 111.4 139.3 137.1 133.7 133.2 135.3 133.6 134.6 136.9 137.9 138.5 138.7 4c State and local government 27.5 27.8 27.7 27.2 26.9 27.3 28.3 28.0 28.1 28.1 28.3 28.3 4d Other 84.0 111.5 109.4 106.5 106.3 107.9 105.4 106.6 108.8 109.8 110.3 110.3 5 Loans and leases in bank credit (3) 2,007.0 1,948.1 1,930.3 1,916.0 1,913.0 1,913.0 1,916.8 1,941.2 1,946.1 1,954.0 1,960.5 1,975.7 6 Commercial and industrial 561.7 528.4 522.1 511.0 504.0 499.8 488.5 487.7 488.2 487.6 484.2 483.2 7 Real estate 851.4 853.6 847.9 845.9 847.5 861.4 881.3 900.0 902.6 910.8 921.5 924.7 8 Revolving home equity 90.1 101.6 105.4 108.5 112.1 116.6 121.3 124.2 124.2 124.5 125.7 126.3 9 Other 761.3 752.0 742.5 737.4 735.4 744.8 760.0 775.8 778.4 786.3 795.8 798.4 10 Consumer 254.7 248.7 247.2 245.6 245.4 241.3 241.8 247.3 249.2 250.7 252.1 253.1 11 Security (4) 74.8 70.0 73.7 75.6 81.4 76.5 78.7 77.7 75.7 73.9 73.2 80.8 11a Fed funds and RPs with broker/dealer 60.8 57.4 61.2 63.3 69.2 64.5 66.2 66.1 65.2 63.7 63.2 71.2 11b Other 14.0 12.5 12.5 12.3 12.3 12.0 12.5 11.6 10.5 10.2 10.0 9.5 12a State and local government 14.5 13.8 13.3 13.1 13.0 13.0 12.8 12.9 13.0 12.9 12.9 12.9 12b Agricultural 10.2 9.6 9.5 9.3 9.3 9.1 9.0 8.2 8.2 8.1 8.2 8.2 12c Fed funds and RPs with others 33.4 22.8 21.1 22.1 18.8 17.2 13.5 16.4 17.9 17.5 18.9 20.1 12d All other loans 75.7 69.9 65.1 64.2 66.0 67.9 64.9 65.0 65.3 66.2 63.3 67.0 12e Lease financing receivables 130.7 131.3 130.4 129.2 127.8 126.8 126.3 126.1 126.1 126.2 126.2 125.8 13 Interbank loans 150.2 155.4 148.9 158.2 168.3 160.5 162.3 173.7 176.9 181.8 176.2 180.5 13a Fed funds and RPs with banks 80.9 81.9 77.6 84.9 84.0 74.3 74.6 84.1 86.1 92.7 85.9 90.6 13b Other 69.3 73.5 71.3 73.3 84.2 86.2 87.7 89.7 90.9 89.2 90.3 89.9 14 Cash assets (5) 142.9 143.1 142.5 139.4 140.8 142.7 142.0 146.4 141.6 158.0 134.2 140.1 15 Other assets (6) 294.9 314.7 294.0 301.8 305.8 299.1 304.9 313.7 314.7 309.2 312.8 304.6 16 TOTAL ASSETS (7) 3,187.0 3,149.1 3,101.1 3,117.6 3,148.9 3,155.9 3,196.2 3,269.1 3,282.2 3,326.9 3,276.2 3,296.4 ------------------------------------------------- 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) September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,767.8 1,799.6 1,810.8 1,815.1 1,810.5 1,813.2 1,842.1 1,867.7 1,866.6 1,899.0 1,867.6 1,862.3 18 Transaction 308.3 310.5 305.8 289.1 290.6 286.2 291.6 281.7 308.2 270.5 251.2 266.2 19 Nontransaction 1,459.5 1,489.1 1,504.9 1,526.1 1,519.9 1,527.0 1,550.6 1,585.9 1,558.5 1,628.5 1,616.4 1,596.1 20 Large time 266.9 251.5 250.5 247.1 248.6 243.7 260.8 267.6 264.2 270.7 266.4 268.1 21 Other 1,192.6 1,237.6 1,254.4 1,279.0 1,271.3 1,283.3 1,289.8 1,318.4 1,294.2 1,357.8 1,350.0 1,328.0 22 Borrowings 685.3 655.1 636.5 646.3 665.1 655.3 641.8 676.1 688.6 676.6 669.7 677.1 23 From banks in the U.S. 219.1 197.2 191.4 192.5 193.5 187.4 190.6 200.3 197.7 209.2 212.8 208.4 24 From others 466.2 457.9 445.2 453.8 471.5 467.9 451.2 475.8 490.9 467.4 456.9 468.7 25 Net due to related foreign offices 192.1 160.0 164.4 167.6 168.1 163.9 171.7 171.5 176.3 180.5 175.8 176.1 26 Other liabilities 213.4 187.9 169.0 180.1 186.6 206.4 228.5 239.3 233.0 249.9 245.9 249.6 27 TOTAL LIABILITIES 2,858.5 2,802.6 2,780.8 2,809.1 2,830.2 2,838.7 2,884.1 2,954.5 2,964.5 3,006.0 2,959.0 2,965.1 28 Residual (assets less liabilities) (8) 328.4 346.4 320.4 308.5 318.7 317.2 312.1 314.6 317.7 321.0 317.2 331.4 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,623.2 2,584.7 2,558.8 2,561.0 2,577.1 2,596.7 2,614.7 2,664.2 2,674.3 2,717.6 2,690.1 2,712.5 2 Securities in bank credit 624.9 637.6 633.0 643.5 662.1 680.0 701.1 730.0 737.8 767.4 732.9 733.8 3 Treasury and Agency securities (2) 362.4 367.9 374.0 384.1 388.9 397.8 404.6 423.4 431.4 445.0 429.7 425.3 3a Trading account 35.9 34.1 33.1 38.2 42.8 42.2 42.4 47.6 50.0 55.3 43.4 44.4 3b Investment account 326.5 333.7 340.9 345.9 346.1 355.6 362.2 375.8 381.4 389.7 386.2 380.9 3c Mortgage-backed 245.8 259.4 263.6 268.0 272.0 277.4 287.2 304.4 310.3 314.7 310.4 301.8 3d Other 80.8 74.4 77.3 77.8 74.1 78.2 75.0 71.4 71.1 74.9 75.8 79.1 3e 1 year or less 20.1 16.7 19.7 18.4 16.1 14.9 18.7 17.4 18.0 18.8 19.2 20.0 3f Between 1 and 5 years 34.2 45.5 45.4 46.5 45.1 50.0 43.7 42.2 41.5 44.1 44.2 45.9 3g More than 5 years 26.5 12.1 12.3 12.9 12.9 13.3 12.7 11.8 11.6 12.0 12.5 13.2 4 Other securities 262.5 269.7 259.0 259.5 273.2 282.2 296.5 306.7 306.4 322.4 303.3 308.5 4a Trading account 151.9 130.2 122.2 127.0 140.2 147.5 165.5 173.1 170.3 184.4 165.1 170.0 4b Investment account 110.6 139.5 136.8 132.5 133.0 134.6 131.1 133.6 136.1 138.0 138.2 138.5 4c State and local government 27.3 27.8 27.6 27.0 26.9 27.2 27.7 27.8 27.9 28.1 28.2 28.3 4d Other 83.3 111.7 109.2 105.5 106.1 107.4 103.3 105.8 108.1 109.9 110.0 110.2 5 Loans and leases in bank credit (3) 1,998.4 1,947.2 1,925.8 1,917.5 1,915.0 1,916.8 1,913.5 1,934.2 1,936.6 1,950.2 1,957.2 1,978.7 6 Commercial and industrial 558.9 527.2 522.5 514.4 507.4 501.0 488.2 485.3 484.4 485.9 482.0 484.1 7 Real estate 851.8 850.3 843.2 844.6 850.9 863.3 881.5 900.5 902.1 911.6 923.7 926.0 8 Revolving home equity 90.4 101.7 104.4 108.1 112.6 117.0 121.5 124.6 124.7 125.3 126.4 127.0 9a Other residential 455.9 438.8 429.8 426.6 427.2 436.2 449.7 465.4 466.8 476.6 487.4 488.9 9b Commercial 305.5 309.8 309.1 309.9 311.2 310.1 310.2 310.6 310.6 309.8 310.0 310.2 10 Consumer 252.5 251.1 247.3 246.0 246.1 241.1 240.0 245.1 247.5 248.6 249.5 250.7 10a Credit card and related plans 85.9 77.2 75.3 73.4 73.4 71.0 69.8 72.5 73.5 74.5 74.5 75.1 10f Other 166.5 173.9 172.0 172.6 172.7 170.1 170.2 172.6 174.0 174.1 175.0 175.7 11 Security (4) 73.7 69.3 73.4 74.0 76.4 77.2 77.6 76.6 75.0 73.5 73.6 85.7 11a Fed funds and RPs with broker/dealer 59.9 56.9 60.9 61.9 64.9 65.1 65.3 65.2 64.6 63.4 63.5 75.6 11b Other 13.8 12.4 12.5 12.1 11.5 12.1 12.3 11.5 10.4 10.1 10.1 10.1 12a State and local government 14.5 13.8 13.3 13.1 13.0 13.0 12.8 12.9 13.0 12.9 12.9 12.9 12b Agricultural 10.2 9.5 9.4 9.2 9.3 9.3 9.2 8.2 8.2 8.1 8.2 8.2 12c Fed funds and RPs with others 32.2 24.2 21.1 22.1 18.8 17.2 13.5 16.4 17.9 17.5 18.9 20.1 12d All other loans 75.1 68.8 64.3 64.2 65.4 68.3 65.2 64.5 64.0 67.4 64.2 67.3 12e Lease financing receivables 129.4 132.8 131.3 129.8 127.8 126.4 125.6 124.8 124.5 124.6 124.2 123.7 13 Interbank loans 146.4 153.6 149.0 162.1 169.5 165.6 161.3 169.2 168.9 178.7 171.3 177.4 13a Fed funds and RPs with banks 78.9 81.0 77.6 87.0 84.6 76.6 74.1 81.9 82.2 91.1 83.5 89.0 13b Other 67.5 72.6 71.4 75.0 84.8 88.9 87.2 87.3 86.7 87.6 87.8 88.4 14 Cash assets (5) 134.1 143.9 137.6 142.0 140.2 138.6 136.6 137.3 131.1 164.9 134.7 136.0 15 Other assets (6) 292.9 313.1 292.6 302.4 305.5 298.6 304.8 311.5 309.4 311.4 315.3 305.0 16 TOTAL ASSETS (7) 3,158.1 3,151.1 3,093.9 3,124.6 3,149.2 3,156.5 3,174.6 3,239.9 3,241.6 3,329.8 3,269.0 3,288.6 ------------------------------------------------- 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) September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,751.0 1,806.1 1,809.4 1,822.6 1,805.0 1,811.7 1,834.1 1,851.2 1,834.6 1,905.8 1,873.9 1,851.3 18 Transaction 296.1 307.1 302.8 296.4 287.8 284.7 286.6 270.3 291.4 273.5 252.0 261.1 19 Nontransaction 1,454.9 1,498.9 1,506.5 1,526.2 1,517.2 1,527.0 1,547.5 1,581.0 1,543.2 1,632.3 1,621.9 1,590.2 20 Large time 265.2 253.4 249.1 245.4 246.7 242.9 258.6 265.9 261.8 269.9 265.9 265.7 21 Other 1,189.6 1,245.5 1,257.5 1,280.9 1,270.5 1,284.1 1,288.8 1,315.1 1,281.4 1,362.4 1,356.0 1,324.5 22 Borrowings 664.8 658.1 634.6 652.4 671.5 654.3 631.7 655.7 665.1 665.1 655.3 681.7 23 From banks in the U.S. 213.4 202.2 195.6 197.5 194.7 184.9 186.6 195.1 190.2 203.3 203.9 202.5 24 From others 451.4 455.9 439.0 454.9 476.8 469.4 445.1 460.6 474.9 461.8 451.4 479.2 25 Net due to related foreign offices 190.8 163.8 163.0 160.8 167.8 162.6 166.4 170.5 179.5 179.4 174.8 174.8 26 Other liabilities 212.1 191.9 167.7 173.4 186.1 204.9 222.2 237.8 236.4 248.7 244.8 247.9 27 TOTAL LIABILITIES 2,818.7 2,819.8 2,774.6 2,809.3 2,830.3 2,833.5 2,854.4 2,915.3 2,915.6 2,999.1 2,948.8 2,955.7 28 Residual (assets less liabilities) (8) 339.4 331.3 319.3 315.3 318.8 323.0 320.3 324.6 326.0 330.8 320.2 332.9 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,120.4 2,263.3 2,271.2 2,286.8 2,327.0 2,342.0 2,352.9 2,379.5 2,388.0 2,396.5 2,401.3 2,397.6 2 Securities in bank credit 567.1 620.3 623.5 629.6 641.4 642.7 644.3 649.9 650.3 656.1 655.9 649.0 3 Treasury and Agency securities (2) 360.1 402.1 408.6 414.2 429.0 432.0 432.9 438.2 440.1 446.8 446.9 441.2 4 Other securities 207.0 218.2 214.9 215.4 212.4 210.7 211.4 211.7 210.2 209.3 209.0 207.7 5 Loans and leases in bank credit (3) 1,553.3 1,643.0 1,647.7 1,657.1 1,685.6 1,699.3 1,708.6 1,729.6 1,737.7 1,740.4 1,745.4 1,748.6 6 Commercial and industrial 300.1 303.6 302.2 300.6 302.0 302.7 304.5 307.0 307.4 307.7 308.0 307.5 7 Real estate 848.6 918.1 924.1 929.6 950.7 959.0 969.1 981.4 984.2 989.3 995.4 995.3 8 Revolving home equity 51.3 60.6 62.3 63.5 67.1 68.9 71.1 72.9 73.2 73.7 73.5 73.5 9 Other 797.3 857.4 861.8 866.2 883.6 890.1 898.0 908.5 911.0 915.7 921.9 921.8 10 Consumer 298.1 314.8 315.5 321.9 324.8 328.2 324.6 329.4 332.9 331.5 330.5 332.8 11 Security (4) 8.2 8.0 7.7 7.3 7.5 7.9 8.2 8.4 8.7 8.3 8.2 8.6 12 Other loans and leases 98.3 98.5 98.3 97.6 100.5 101.5 102.2 103.4 104.5 103.5 103.2 104.4 13 Interbank loans 111.7 102.4 100.3 90.8 97.3 102.7 109.5 112.9 119.8 111.4 107.9 116.1 14 Cash assets (5) 105.3 112.8 113.8 113.2 112.9 113.9 115.6 117.8 119.3 121.9 113.4 118.9 15 Other assets (6) 119.4 145.0 147.2 149.7 152.5 153.2 154.8 161.6 158.4 163.9 167.4 165.3 16 TOTAL ASSETS (7) 2,428.1 2,593.2 2,602.1 2,609.7 2,658.7 2,680.6 2,701.8 2,740.3 2,753.6 2,761.7 2,758.1 2,765.7 L I A B I L I T I E S 17 Deposits 1,919.2 1,998.3 2,012.8 2,011.5 2,048.0 2,067.0 2,083.7 2,108.1 2,115.4 2,128.0 2,110.6 2,121.0 18 Transaction 295.3 304.1 305.2 303.2 313.7 311.0 316.7 313.1 333.0 304.7 298.1 305.4 19 Nontransaction 1,623.9 1,694.2 1,707.6 1,708.3 1,734.3 1,756.0 1,767.0 1,795.0 1,782.4 1,823.4 1,812.5 1,815.6 20 Large time 303.8 301.7 302.1 302.4 306.3 308.0 306.1 306.7 306.3 307.4 307.1 307.0 21 Other 1,320.1 1,392.4 1,405.5 1,405.9 1,428.0 1,448.0 1,460.9 1,488.4 1,476.1 1,516.0 1,505.4 1,508.6 22 Borrowings 342.9 387.4 380.5 383.0 390.9 393.3 397.3 411.8 422.2 418.7 420.7 428.3 23 From banks in the U.S. 151.1 175.0 169.8 166.4 166.9 166.2 171.5 179.5 185.0 180.6 182.5 186.9 24 From others 191.8 212.5 210.7 216.6 223.9 227.0 225.9 232.3 237.2 238.1 238.2 241.4 25 Net due to related foreign offices 15.5 10.9 9.0 9.7 11.6 11.7 9.8 8.5 7.6 8.0 11.4 11.4 26 Other liabilities 60.2 70.7 71.4 71.8 74.0 74.4 74.3 76.7 77.5 77.1 78.5 76.6 27 TOTAL LIABILITIES 2,337.8 2,467.4 2,473.7 2,476.0 2,524.5 2,546.3 2,565.1 2,605.1 2,622.6 2,631.8 2,621.1 2,637.2 28 Residual (assets less liabilities) (8) 90.3 125.8 128.4 133.8 134.2 134.3 136.7 135.1 130.9 129.9 137.0 128.5 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,117.9 2,259.6 2,266.4 2,283.9 2,324.9 2,339.3 2,347.5 2,376.6 2,387.1 2,394.9 2,401.0 2,401.0 2 Securities in bank credit 565.1 622.0 625.8 630.9 640.6 642.2 642.2 647.6 648.9 653.8 654.6 648.0 3 Treasury and Agency securities (2) 358.2 403.9 410.9 415.5 428.3 431.5 430.8 435.8 438.7 444.5 445.6 440.3 4 Other securities 207.0 218.2 214.9 215.4 212.4 210.7 211.4 211.7 210.2 209.3 209.0 207.7 5 Loans and leases in bank credit (3) 1,552.8 1,637.5 1,640.7 1,653.0 1,684.3 1,697.1 1,705.4 1,729.0 1,738.2 1,741.1 1,746.4 1,753.0 6 Commercial and industrial 298.6 302.1 301.8 302.6 304.4 304.8 305.1 305.5 305.5 305.5 305.3 306.1 7 Real estate 849.2 916.2 921.1 927.6 949.9 958.1 968.2 982.0 985.9 989.1 996.0 997.1 8 Revolving home equity 51.1 60.5 61.7 63.2 67.0 68.7 70.6 72.6 73.2 73.5 73.8 74.1 9 Other 798.0 855.7 859.4 864.4 882.9 889.4 897.5 909.4 912.8 915.6 922.2 923.0 10 Consumer 297.0 314.7 312.6 318.1 322.4 324.2 320.6 328.1 333.5 331.9 331.5 335.9 10a Credit card and related plans 131.8 146.3 144.6 150.3 149.8 150.5 146.2 152.7 157.5 155.9 154.9 159.3 10h Other 165.2 168.4 168.0 167.8 172.7 173.7 174.4 175.4 175.9 176.1 176.6 176.6 11 Security (4) 8.1 7.9 7.9 7.5 7.4 7.8 8.0 8.3 8.3 8.6 8.4 8.3 12 Other loans and leases 99.9 96.6 97.2 97.3 100.2 102.2 103.5 105.0 105.1 105.9 105.2 105.5 13 Interbank loans 109.9 102.9 105.0 96.8 92.7 99.7 104.6 111.0 111.1 117.2 113.0 111.3 14 Cash assets (5) 102.0 112.4 110.0 111.6 112.2 112.3 113.8 114.2 114.0 131.2 115.8 115.4 15 Other assets (6) 119.4 145.0 147.2 149.7 152.5 153.2 154.8 161.6 158.4 163.9 167.4 165.3 16 TOTAL ASSETS (7) 2,420.5 2,589.7 2,598.2 2,611.3 2,651.3 2,673.4 2,689.7 2,731.8 2,738.8 2,775.3 2,765.3 2,760.8 L I A B I L I T I E S 17 Deposits 1,904.4 2,002.3 2,017.4 2,024.4 2,041.3 2,058.1 2,071.5 2,092.0 2,088.7 2,130.4 2,109.0 2,105.7 18 Transaction 291.8 302.1 303.5 304.9 308.8 309.7 314.2 309.4 326.0 313.2 301.3 300.4 19 Nontransaction 1,612.6 1,700.2 1,713.9 1,719.6 1,732.4 1,748.4 1,757.3 1,782.6 1,762.7 1,817.2 1,807.7 1,805.3 20 Large time 303.8 301.7 302.1 302.4 306.3 308.0 306.1 306.7 306.3 307.4 307.1 307.0 21 Other 1,308.9 1,398.5 1,411.9 1,417.2 1,426.1 1,440.4 1,451.2 1,476.0 1,456.4 1,509.8 1,500.7 1,498.3 22 Borrowings 342.9 387.4 380.5 383.0 390.9 393.3 397.3 411.8 422.2 418.7 420.7 428.3 23 From banks in the U.S. 151.1 175.0 169.8 166.4 166.9 166.2 171.5 179.5 185.0 180.6 182.5 186.9 24 From others 191.8 212.5 210.7 216.6 223.9 227.0 225.9 232.3 237.2 238.1 238.2 241.4 25 Net due to related foreign offices 15.5 10.9 9.0 9.7 11.6 11.7 9.8 8.5 7.6 8.0 11.4 11.4 26 Other liabilities 60.2 70.7 71.4 71.8 74.0 74.4 74.3 76.7 77.5 77.1 78.5 76.6 27 TOTAL LIABILITIES 2,323.0 2,471.4 2,478.3 2,488.9 2,517.7 2,537.4 2,552.9 2,589.0 2,596.0 2,634.2 2,619.6 2,621.9 28 Residual (assets less liabilities) (8) 97.5 118.2 120.0 122.4 133.5 136.0 136.9 142.8 142.9 141.1 145.7 138.9 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 598.3 585.0 591.7 598.2 598.3 607.6 610.0 618.6 614.9 623.4 615.9 618.7 2 Securities in bank credit 225.6 226.1 223.9 224.9 228.0 232.6 229.2 238.8 234.7 241.3 234.9 233.5 3 Treasury and Agency securities (2) 68.7 72.6 75.4 76.7 76.9 77.0 73.6 80.4 81.5 84.2 84.2 84.8 4 Other securities 156.9 153.5 148.5 148.2 151.1 155.6 155.6 158.4 153.2 157.1 150.7 148.7 5 Loans and leases in bank credit (3) 372.7 358.9 367.8 373.3 370.3 375.0 380.8 379.7 380.2 382.1 381.0 385.2 6 Commercial and industrial 203.0 197.1 200.2 198.1 198.6 195.5 193.8 192.5 191.7 190.7 189.7 187.5 7 Real estate 18.3 18.4 18.9 19.4 19.4 19.8 20.2 20.2 20.3 20.2 20.3 20.3 11 Security (4) 83.5 73.9 78.5 84.5 81.1 87.2 92.4 92.9 94.6 97.3 96.7 103.5 12 Other loans and leases 67.9 69.5 70.3 71.3 71.2 72.4 74.4 74.1 73.7 73.9 74.3 74.0 13 Interbank loans 20.0 19.9 20.5 22.0 23.7 20.9 18.1 19.0 21.6 22.8 24.0 21.5 14 Cash assets (5) 36.4 41.8 43.9 46.2 44.2 43.9 43.6 43.4 43.3 44.0 41.1 42.5 15 Other assets (6) 29.9 31.7 29.9 31.3 31.8 34.9 36.7 36.8 33.7 36.9 35.1 34.5 16 TOTAL ASSETS (7) 684.3 678.1 685.6 697.3 697.5 706.9 708.1 717.3 713.1 726.7 715.8 716.8 L I A B I L I T I E S 17 Deposits 406.5 476.5 490.6 507.1 508.4 509.6 505.3 498.4 499.9 497.6 495.5 494.0 18 Transaction 9.8 10.3 10.1 10.5 10.9 10.9 10.6 10.9 11.0 11.7 10.9 10.3 19 Nontransaction 396.6 466.2 480.5 496.6 497.5 498.7 494.7 487.5 488.9 486.0 484.7 483.6 22 Borrowings 207.3 191.1 187.5 191.5 192.7 198.1 208.3 220.2 219.3 232.9 224.5 229.0 23 From banks in the U.S. 20.7 23.1 21.7 22.5 21.5 22.2 22.1 23.2 25.6 28.0 23.7 20.8 24 From others 186.7 168.0 165.8 169.0 171.2 175.9 186.2 196.9 193.7 204.9 200.8 208.2 25 Net due to related foreign offices -10.2 -73.1 -71.5 -73.6 -87.6 -84.7 -90.7 -88.9 -94.4 -92.2 -84.5 -85.1 26 Other liabilities 80.7 77.5 69.0 67.3 70.6 78.6 85.0 91.0 85.3 90.1 84.5 85.9 27 TOTAL LIABILITIES 684.3 672.0 675.6 692.2 684.1 701.6 707.9 720.6 710.1 728.4 720.1 723.8 28 Residual (assets less liabilities) (8) -0.1 6.1 10.0 5.1 13.4 5.3 0.1 -3.2 3.0 -1.7 -4.3 -6.9 ------------------------------------------------- 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 September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 592.4 589.0 591.6 598.3 594.3 604.5 603.8 612.2 607.7 614.0 609.8 617.7 2 Securities in bank credit (2) 225.6 226.1 223.9 224.9 228.0 232.6 229.2 238.8 234.7 241.3 234.9 233.5 3 Treasury and Agency securities 68.7 72.6 75.4 76.7 76.9 77.0 73.6 80.4 81.5 84.2 84.2 84.8 3a Trading account 10.5 9.1 9.0 9.5 10.2 10.6 10.8 13.1 13.2 14.7 14.8 14.4 3b Investment account 58.3 63.5 66.4 67.2 66.7 66.5 62.8 67.3 68.3 69.5 69.4 70.4 4 Other securities 156.9 153.5 148.5 148.2 151.1 155.6 155.6 158.4 153.2 157.1 150.7 148.7 4a Trading account 110.2 100.9 96.9 96.4 98.6 103.4 107.6 109.4 104.4 107.8 102.7 101.3 4b Investment account 46.7 52.5 51.6 51.8 52.5 52.2 47.9 49.0 48.8 49.3 48.0 47.3 5 Loans and leases in bank credit (3) 366.7 362.9 367.7 373.4 366.3 371.9 374.6 373.4 373.0 372.7 374.9 384.3 6 Commercial and industrial 201.3 198.6 201.5 196.8 196.3 194.4 192.5 190.9 189.5 189.0 188.5 187.6 7 Real estate 18.3 18.4 18.9 19.4 19.4 19.8 20.2 20.2 20.3 20.2 20.3 20.3 11 Security (4) 80.5 76.3 76.2 85.1 79.9 85.6 89.0 89.5 90.5 90.0 92.4 103.0 12 Other loans and leases 66.7 69.6 71.1 72.0 70.7 72.1 73.0 72.8 72.7 73.4 73.8 73.4 13 Interbank loans 20.0 19.9 20.5 22.0 23.7 20.9 18.1 19.0 21.6 22.8 24.0 21.5 14 Cash assets (5) 35.3 42.7 42.8 44.3 42.7 41.9 41.8 42.1 42.1 42.9 40.7 42.2 15 Other assets (6) 29.5 32.3 30.7 31.1 31.8 33.4 35.3 36.2 33.8 37.6 36.1 35.1 16 TOTAL ASSETS (7) 676.8 683.6 685.3 695.3 692.1 700.4 698.7 709.1 704.8 716.8 710.3 716.3 L I A B I L I T I E S 17 Deposits 394.6 482.0 492.7 510.9 513.5 507.8 496.2 483.9 487.1 481.3 480.0 479.5 18 Transaction 9.6 10.5 9.9 10.0 10.5 10.6 10.6 10.7 10.7 11.6 10.8 10.4 19 Nontransaction 385.1 471.5 482.9 500.9 503.0 497.1 485.6 473.2 476.4 469.7 469.2 469.1 22 Borrowings 207.3 191.1 187.5 191.5 192.7 198.1 208.3 220.2 219.3 232.9 224.5 229.0 23 From banks in the U.S. 20.7 23.1 21.7 22.5 21.5 22.2 22.1 23.2 25.6 28.0 23.7 20.8 24 From others 186.7 168.0 165.8 169.0 171.2 175.9 186.2 196.9 193.7 204.9 200.8 208.2 25 Net due to related foreign offices -12.3 -70.4 -68.5 -75.5 -87.7 -87.3 -94.4 -90.8 -93.4 -93.1 -84.6 -84.6 26 Other liabilities 79.8 78.6 70.2 66.6 70.6 77.3 82.9 89.8 85.9 89.5 84.4 86.2 27 TOTAL LIABILITIES 669.4 681.3 682.0 693.5 689.1 695.9 693.0 703.1 698.9 710.6 704.4 710.1 28 Residual (assets less liabilities) (8) 7.4 2.2 3.3 1.7 3.0 4.5 5.7 6.1 5.9 6.2 5.9 6.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars September 27, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 28 Sep 4 Sep 11 Sep 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 91.5 81.7 73.2 73.3 80.8 92.9 105.8 112.2 110.6 125.1 107.6 118.6 30 Reval. losses on off-bal. sheet items (9) 78.4 59.4 52.5 57.5 61.7 75.2 89.2 93.7 90.8 105.7 89.7 99.8 31 Mortgage-backed securities (10) 267.9 296.6 298.5 303.6 307.7 313.6 320.2 338.1 343.9 348.6 343.8 335.1 31a Pass-through 204.5 201.6 201.3 203.2 210.4 224.6 236.3 253.4 260.5 261.1 256.6 249.4 31b CMO, REMIC, and other 63.4 95.0 97.2 100.4 97.3 89.0 84.0 84.6 83.4 87.5 87.3 85.7 32 Net unrealized gains (losses) on available-for-sale securities (11) 5.1 3.5 3.2 1.4 4.3 6.6 8.6 9.7 8.9 12.6 11.5 12.4 33 Offshore credit to U.S. residents (12) 19.6 19.7 19.6 19.7 19.6 19.6 19.1 19.0 18.6 19.0 19.0 19.0 34 Securitized consumer loans (13) 98.1 94.5 95.8 96.2 96.3 100.2 104.0 102.3 101.9 101.3 101.4 101.3 34a Credit card and related plans 87.5 83.8 83.6 84.3 84.9 88.1 88.9 87.1 86.8 86.3 86.5 86.5 34b Other 10.6 10.7 12.3 11.9 11.5 12.2 15.1 15.1 15.1 15.0 14.9 14.8 35 Securitized business loans (13) 19.8 19.4 17.7 17.1 16.7 16.6 17.0 17.7 18.0 17.7 17.7 17.8 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 241.7 280.8 283.9 287.5 300.3 301.7 302.3 304.1 304.9 309.8 310.6 307.6 34 Securitized consumer loans (13) 233.7 250.0 247.0 246.8 248.7 249.8 245.8 244.1 242.6 243.4 243.4 239.6 34a Credit card and related plans 225.5 242.4 239.5 239.0 241.1 242.8 242.3 241.0 239.6 240.4 240.5 236.6 34b Other 8.2 7.6 7.5 7.9 7.5 7.0 3.5 3.1 3.0 3.0 3.0 2.9 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 60.9 52.2 46.8 46.2 49.5 54.5 60.1 64.2 61.1 64.3 60.3 59.8 30 Reval. losses on off-bal. sheet items (9) 56.8 48.0 40.6 39.8 42.4 48.5 55.7 63.1 59.5 62.8 58.8 58.9 35 Securitized business loans (13) 12.2 11.5 11.1 10.5 9.7 9.1 8.6 8.3 8.1 8.2 7.2 7.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 September 27, 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.