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: November 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                                                                                                                         November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,422.9   5,449.4   5,507.7   5,553.7   5,601.1   5,684.0   5,740.7   5,768.6       5,765.4   5,788.0   5,841.6   5,880.5

  2     Securities in bank credit                        1,470.8   1,501.7   1,536.9   1,565.9   1,597.2   1,636.3   1,646.6   1,643.8       1,636.0   1,664.0   1,697.2   1,719.1
  3        Treasury and Agency securities (2)              825.0     869.5     895.2     912.4     922.6     950.9     967.7     975.7         984.9     991.2   1,008.4   1,002.9
  4        Other securities                                645.8     632.1     641.8     653.5     674.6     685.4     678.9     668.1         651.1     672.8     688.8     716.2

  5     Loans and leases in bank credit (3)              3,952.1   3,947.8   3,970.8   3,987.8   4,003.8   4,047.7   4,094.1   4,124.8       4,129.4   4,124.1   4,144.4   4,161.4
  6        Commercial and industrial                     1,051.7   1,009.0   1,004.3     997.0     983.6     983.7     976.9     972.0         973.2     971.3     971.1     969.4
  7        Real estate                                   1,753.0   1,796.0   1,819.2   1,841.6   1,872.6   1,903.5   1,937.4   1,970.2       1,968.6   1,981.4   1,996.6   2,011.1
  8          Revolving home equity                         150.8     172.1     179.7     186.4     193.3     198.0     201.2     205.3         205.4     206.3     207.0     207.6
  9          Other                                       1,602.2   1,623.9   1,639.4   1,655.3   1,679.3   1,705.6   1,736.2   1,764.8       1,763.2   1,775.1   1,789.5   1,803.5
  10       Consumer                                        551.1     567.9     571.1     570.7     567.2     577.3     585.4     587.5         588.0     588.5     585.9     587.1
  11       Security (4)                                    154.1     167.0     168.7     169.1     176.3     175.8     180.8     181.8         186.5     172.0     177.4     182.7
  12       Other loans and leases                          442.3     407.9     407.5     409.4     404.1     407.3     413.6     413.4         413.2     410.8     413.4     411.1

  13  Interbank loans                                      301.6     270.7     288.4     282.4     287.9     303.6     315.0     323.0         330.0     324.7     322.1     318.5

  14  Cash assets (5)                                      302.3     300.0     302.0     307.1     308.2     314.9     312.1     312.6         317.6     317.7     304.7     309.0

  15  Other assets (6)                                     495.9     482.1     488.0     483.5     490.3     504.7     501.3     511.8         512.0     514.7     520.2     545.8

  16  TOTAL ASSETS (7)                                   6,452.0   6,426.9   6,510.4   6,551.0   6,611.9   6,731.8   6,793.7   6,840.1       6,848.9   6,869.1   6,912.4   6,977.5

            L I A B I L I T I E S

  17  Deposits                                           4,181.5   4,334.2   4,368.6   4,392.8   4,433.2   4,476.0   4,485.8   4,493.5       4,487.8   4,497.8   4,494.0   4,523.6
  18    Transaction                                        640.8     602.0     609.5     598.8     614.2     601.1     585.9     613.2         636.3     660.5     579.8     587.7
  19    Nontransaction                                   3,540.7   3,732.3   3,759.1   3,794.1   3,819.0   3,874.9   3,899.9   3,880.2       3,851.6   3,837.4   3,914.2   3,935.9
  20       Large time                                      982.7   1,042.9   1,046.2   1,039.3   1,048.8   1,048.4   1,042.6   1,026.6       1,023.7   1,021.9   1,007.0   1,002.2
  21       Other                                         2,558.0   2,689.3   2,712.9   2,754.8   2,770.2   2,826.5   2,857.3   2,853.7       2,827.9   2,815.5   2,907.2   2,933.7

  22  Borrowings                                         1,266.2   1,220.0   1,245.6   1,241.3   1,241.2   1,301.9   1,323.0   1,327.4       1,331.5   1,340.7   1,356.7   1,364.2
  23    From banks in the U.S.                             412.6     382.6     385.1     380.4     386.6     405.6     417.0     415.3         413.3     414.6     425.8     422.6
  24    From others                                        853.7     837.5     860.4     860.9     854.6     896.3     905.9     912.1         918.2     926.1     930.9     941.5

  25  Net due to related foreign offices                   178.2     103.7      92.2      90.9      90.4      90.8      99.6     122.5         138.3     122.7     138.2     135.8

  26  Other liabilities                                    373.3     320.7     336.7     368.6     397.2     416.3     424.7     427.6         409.0     438.7     444.6     461.7

  27  TOTAL LIABILITIES                                  5,999.3   5,978.6   6,043.1   6,093.6   6,162.1   6,284.9   6,333.0   6,371.0       6,366.6   6,399.9   6,433.5   6,485.3

  28  Residual (assets less liabilities) (8)               452.7     448.3     467.4     457.4     449.8     446.9     460.7     469.1         482.3     469.1     478.9     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                                                                                                                     November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,425.7   5,446.3   5,501.6   5,548.2   5,574.4   5,661.5   5,733.9   5,772.7       5,763.5   5,804.6   5,865.7   5,897.1

  2     Securities in bank credit                        1,470.5   1,501.1   1,534.2   1,561.7   1,583.1   1,627.6   1,642.9   1,643.1       1,632.8   1,668.2   1,702.9   1,721.5
  3        Treasury and Agency securities (2)              821.8     871.3     892.8     909.6     914.3     944.6     964.2     971.9         978.9     990.5   1,009.4   1,001.8
  4        Other securities                                648.7     629.7     641.3     652.1     668.8     683.1     678.6     671.2         653.9     677.6     693.5     719.7

  5     Loans and leases in bank credit (3)              3,955.2   3,945.2   3,967.4   3,986.5   3,991.3   4,033.9   4,091.0   4,129.5       4,130.7   4,136.4   4,162.8   4,175.6
  6        Commercial and industrial                     1,053.1   1,013.1   1,007.8     999.2     982.5     978.2     974.8     973.3         973.3     973.8     975.2     970.9
  7        Real estate                                   1,754.8   1,792.7   1,821.8   1,842.6   1,872.0   1,904.6   1,939.5   1,972.3       1,969.2   1,983.8   2,002.5   2,018.0
  8          Revolving home equity                         151.2     171.5     180.1     186.6     193.1     198.1     202.2     205.9         205.9     207.1     207.8     208.4
  9          Other                                       1,603.6   1,621.2   1,641.7   1,656.0   1,678.9   1,706.6   1,737.3   1,766.4       1,763.2   1,776.8   1,794.8   1,809.5
  10       Consumer                                        551.5     564.5     569.3     566.5     561.3     573.9     584.9     588.1         590.0     590.9     586.7     588.3
  10a        Credit card and related plans                 216.3     223.5     222.8     221.0     215.4     224.5     231.3     232.3         234.3     234.0     228.7     230.0
  10b        Other                                         335.2     340.9     346.5     345.5     345.9     349.3     353.5     355.8         355.7     356.8     358.0     358.4
  11       Security (4)                                    156.3     166.1     162.3     168.1     171.7     171.3     179.0     184.2         189.6     178.6     184.7     187.7
  12       Other loans and leases                          439.5     408.9     406.2     410.0     403.8     405.9     412.8     411.7         408.6     409.3     413.6     410.6

  13  Interbank loans                                      296.6     280.6     285.0     284.5     282.0     297.2     307.3     317.7         315.3     324.7     332.2     324.9

  14  Cash assets (5)                                      304.1     299.1     299.2     299.4     299.0     300.7     309.0     314.9         301.0     322.1     305.4     326.7

  15  Other assets (6)                                     494.6     482.6     487.7     481.6     488.9     501.9     503.9     510.5         504.0     514.4     524.9     548.4

  16  TOTAL ASSETS (7)                                   6,450.6   6,433.4   6,497.8   6,537.9   6,569.0   6,685.9   6,778.3   6,840.1       6,808.0   6,890.1   6,952.0   7,020.6

            L I A B I L I T I E S

  17  Deposits                                           4,166.8   4,358.4   4,361.6   4,380.6   4,403.9   4,429.0   4,453.8   4,478.4       4,439.7   4,484.3   4,512.0   4,552.3
  18    Transaction                                        635.1     610.4     601.5     595.7     606.8     585.7     579.7     608.1         609.0     659.5     577.6     598.2
  19    Nontransaction                                   3,531.7   3,748.0   3,760.1   3,784.8   3,797.1   3,843.3   3,874.0   3,870.3       3,830.7   3,824.8   3,934.4   3,954.0
  20       Large time                                      977.1   1,045.5   1,049.8   1,037.0   1,037.7   1,032.7   1,028.1   1,020.4       1,019.0   1,020.3   1,010.0   1,008.1
  21       Other                                         2,554.5   2,702.5   2,710.3   2,747.8   2,759.4   2,810.5   2,846.0   2,849.9       2,811.8   2,804.4   2,924.4   2,945.9

  22  Borrowings                                         1,268.1   1,226.2   1,252.0   1,240.3   1,231.1   1,281.5   1,320.4   1,329.4       1,330.7   1,346.0   1,365.8   1,369.8
  23    From banks in the U.S.                             410.7     387.5     386.4     377.9     382.5     400.4     410.2     413.6         410.7     413.5     426.0     420.5
  24    From others                                        857.4     838.7     865.6     862.4     848.6     881.1     910.2     915.8         920.0     932.5     939.8     949.3

  25  Net due to related foreign offices                   177.6      95.1      91.7      87.0      81.4      87.9     100.1     122.0         140.0     127.7     138.0     138.0

  26  Other liabilities                                    373.6     313.3     336.2     365.8     388.7     413.6     424.8     427.7         411.6     445.4     447.3     465.9

  27  TOTAL LIABILITIES                                  5,986.0   5,993.0   6,041.5   6,073.7   6,105.0   6,212.0   6,299.0   6,357.4       6,322.0   6,403.3   6,463.0   6,525.9

  28  Residual (assets less liabilities) (8)               464.5     440.4     456.3     464.2     464.0     473.9     479.3     482.8         486.1     486.7     489.0     494.8





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

  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                                                                                                                         November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,830.3   4,851.4   4,910.5   4,948.1   4,992.2   5,066.1   5,124.4   5,157.9       5,153.8   5,179.2   5,218.5   5,243.2

  2     Securities in bank credit                        1,239.1   1,276.3   1,308.5   1,331.0   1,361.1   1,390.0   1,402.6   1,404.3       1,401.2   1,425.2   1,446.2   1,459.1
  3        Treasury and Agency securities (2)              746.1     798.6     822.8     837.5     847.6     869.4     881.1     888.2         899.4     902.3     914.6     906.1
  4        Other securities                                493.0     477.7     485.7     493.5     513.5     520.6     521.5     516.2         501.9     522.9     531.6     553.0

  5     Loans and leases in bank credit (3)              3,591.3   3,575.1   3,602.0   3,617.1   3,631.1   3,676.1   3,721.9   3,753.6       3,752.6   3,753.9   3,772.3   3,784.1
  6        Commercial and industrial                       854.8     811.0     805.6     802.4     793.1     794.6     792.3     791.1         791.0     791.1     789.8     788.4
  7        Real estate                                   1,734.1   1,776.6   1,799.8   1,822.0   1,852.9   1,883.7   1,917.5   1,949.6       1,948.0   1,960.2   1,975.2   1,989.6
  8          Revolving home equity                         150.8     172.1     179.7     186.4     193.3     198.0     201.2     205.3         205.4     206.3     207.0     207.6
  9          Other                                       1,583.4   1,604.4   1,620.1   1,635.7   1,659.6   1,685.8   1,716.3   1,744.3       1,742.6   1,753.9   1,768.2   1,782.1
  10       Consumer                                        551.1     567.9     571.1     570.7     567.2     577.3     585.4     587.5         588.0     588.5     585.9     587.1
  11       Security (4)                                     78.8      82.9      88.8      84.1      86.6      85.6      86.1      85.4          86.1      75.8      79.0      79.9
  12       Other loans and leases                          372.5     336.7     336.7     337.9     331.4     334.9     340.7     340.0         339.6     338.3     342.3     339.1

  13  Interbank loans                                      277.9     248.8     265.0     262.2     270.6     285.5     293.9     298.4         304.6     295.3     297.6     291.0

  14  Cash assets (5)                                      263.4     253.6     256.9     261.9     263.3     270.2     268.6     269.9         275.6     275.5     264.3     269.5

  15  Other assets (6)                                     462.9     451.3     457.4     450.7     456.6     471.2     469.3     476.0         477.3     475.9     479.3     505.2

  16  TOTAL ASSETS (7)                                   5,764.1   5,729.9   5,814.5   5,847.4   5,907.5   6,018.2   6,081.1   6,126.7       6,135.6   6,150.1   6,183.9   6,233.0

            L I A B I L I T I E S

  17  Deposits                                           3,758.1   3,827.4   3,861.0   3,884.6   3,929.5   3,978.9   4,000.2   4,030.0       4,028.3   4,040.5   4,051.0   4,078.2
  18    Transaction                                        630.0     591.4     598.6     587.8     603.6     590.2     574.9     602.6         626.1     650.7     569.3     577.2
  19    Nontransaction                                   3,128.2   3,236.0   3,262.4   3,296.7   3,325.9   3,388.7   3,425.3   3,427.4       3,402.2   3,389.8   3,481.6   3,501.0
  20       Large time                                      572.9     548.9     550.7     544.7     563.2     570.5     574.6     578.0         576.2     579.8     577.1     575.9
  21       Other                                         2,555.3   2,687.1   2,711.7   2,752.0   2,762.7   2,818.2   2,850.8   2,849.5       2,826.0   2,810.0   2,904.5   2,925.1

  22  Borrowings                                         1,060.3   1,029.4   1,055.4   1,047.5   1,038.1   1,087.1   1,099.4   1,098.7       1,110.6   1,104.1   1,108.3   1,110.6
  23    From banks in the U.S.                             389.1     360.2     364.1     359.0     365.4     383.2     393.2     391.2         391.5     390.6     399.5     401.0
  24    From others                                        671.2     669.2     691.4     688.5     672.7     704.0     706.1     707.6         719.1     713.4     708.8     709.6

  25  Net due to related foreign offices                   193.5     177.3     179.8     175.6     181.0     179.7     184.1     191.8         193.4     191.6     192.8     192.9

  26  Other liabilities                                    295.0     252.7     264.2     286.9     309.7     322.9     334.9     332.0         317.4     339.3     343.0     357.6

  27  TOTAL LIABILITIES                                  5,306.9   5,286.8   5,360.3   5,394.5   5,458.3   5,568.6   5,618.7   5,652.6       5,649.7   5,675.6   5,695.1   5,739.4

  28  Residual (assets less liabilities) (8)               457.2     443.1     454.2     452.9     449.2     449.6     462.5     474.1         485.8     474.5     488.8     493.7



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

  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                                                                                                                     November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,833.0   4,848.1   4,908.3   4,945.6   4,971.6   5,049.8   5,120.9   5,162.0       5,152.5   5,190.8   5,236.5   5,255.5

  2     Securities in bank credit                        1,238.7   1,275.7   1,305.8   1,326.8   1,346.9   1,381.3   1,398.8   1,403.6       1,398.1   1,429.5   1,452.0   1,461.6
  3        Treasury and Agency securities (2)              742.9     800.4     820.5     834.7     839.3     863.1     877.6     884.3         893.4     901.7     915.7     905.0
  4        Other securities                                495.8     475.3     485.3     492.1     507.6     518.2     521.2     519.3         504.6     527.8     536.3     556.6

  5     Loans and leases in bank credit (3)              3,594.3   3,572.5   3,602.6   3,618.8   3,624.7   3,668.5   3,722.1   3,758.3       3,754.5   3,761.3   3,784.6   3,794.0
  6        Commercial and industrial                       855.5     816.4     811.4     805.7     793.4     790.6     790.3     791.7         790.8     791.9     792.0     788.5
  7        Real estate                                   1,735.9   1,773.2   1,802.4   1,823.0   1,852.2   1,884.8   1,919.6   1,951.8       1,948.6   1,962.7   1,981.2   1,996.5
  8          Revolving home equity                         151.2     171.5     180.1     186.6     193.1     198.1     202.2     205.9         205.9     207.1     207.8     208.4
  9          Other                                       1,584.7   1,601.8   1,622.4   1,636.4   1,659.1   1,686.8   1,717.4   1,745.8       1,742.6   1,755.7   1,773.4   1,788.1
  10       Consumer                                        551.5     564.5     569.3     566.5     561.3     573.9     584.9     588.1         590.0     590.9     586.7     588.3
  10a        Credit card and related plans                 216.3     223.5     222.8     221.0     215.4     224.5     231.3     232.3         234.3     234.0     228.7     230.0
  10d        Other                                         335.2     340.9     346.5     345.5     345.9     349.3     353.5     355.8         355.7     356.8     358.0     358.4
  11       Security (4)                                     80.8      81.4      83.6      84.7      85.4      84.4      87.1      87.6          89.1      78.6      82.1      81.9
  12       Other loans and leases                          370.5     337.0     335.8     338.8     332.4     334.7     340.3     339.2         336.0     337.3     342.5     338.8

  13  Interbank loans                                      272.9     258.7     261.6     264.3     264.8     279.1     286.1     293.1         289.9     295.3     307.7     297.4

  14  Cash assets (5)                                      264.4     254.6     255.6     256.2     256.0     257.4     265.5     271.3         258.0     277.9     263.2     284.4

  15  Other assets (6)                                     462.2     451.9     457.0     450.2     456.5     469.0     471.2     475.4         470.3     476.7     484.6     508.4

  16  TOTAL ASSETS (7)                                   5,762.4   5,738.5   5,807.3   5,840.7   5,873.8   5,980.3   6,068.4   6,126.5       6,095.3   6,165.3   6,216.3   6,269.8

            L I A B I L I T I E S

  17  Deposits                                           3,750.0   3,847.8   3,848.9   3,874.2   3,909.2   3,946.4   3,980.2   4,022.3       3,986.3   4,030.7   4,070.0   4,104.3
  18    Transaction                                        624.1     600.4     591.0     585.1     596.2     575.1     568.6     597.3         598.8     649.4     567.0     587.6
  19    Nontransaction                                   3,125.9   3,247.4   3,257.9   3,289.0   3,313.1   3,371.3   3,411.6   3,425.0       3,387.5   3,381.3   3,503.1   3,516.7
  20       Large time                                      574.1     547.2     548.9     544.0     561.0     568.8     572.0     579.2         577.7     582.3     581.3     579.4
  21       Other                                         2,551.8   2,700.2   2,709.0   2,745.1   2,752.0   2,802.4   2,839.6   2,845.8       2,809.8   2,799.0   2,921.8   2,937.3

  22  Borrowings                                         1,062.2   1,035.6   1,061.9   1,046.5   1,028.0   1,066.8   1,096.8   1,100.7       1,109.8   1,109.4   1,117.4   1,116.2
  23    From banks in the U.S.                             387.2     365.2     365.3     356.5     361.3     378.0     386.4     389.4         388.9     389.5     399.7     398.8
  24    From others                                        674.9     670.4     696.6     690.1     666.7     688.8     710.4     711.3         720.9     719.8     717.7     717.4

  25  Net due to related foreign offices                   194.4     170.6     179.4     174.3     175.8     178.7     183.6     192.5         196.5     196.8     196.3     196.3

  26  Other liabilities                                    295.9     246.0     263.7     285.4     303.3     321.4     334.4     332.8         320.8     346.2     348.0     362.5

  27  TOTAL LIABILITIES                                  5,302.4   5,299.9   5,353.8   5,380.4   5,416.4   5,513.2   5,595.0   5,648.3       5,613.4   5,683.1   5,731.8   5,779.3

  28  Residual (assets less liabilities) (8)               460.0     438.6     453.5     460.3     457.5     467.0     473.4     478.1         481.9     482.2     484.4     490.5






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

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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                                                                                                   November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,646.2   2,567.5   2,583.2   2,602.7   2,636.4   2,684.2   2,720.9   2,734.5       2,728.8   2,745.2   2,783.4   2,802.4

  2     Securities in bank credit                          644.8     645.4     664.1     683.6     713.3     736.6     745.5     743.3         741.6     761.2     780.7     792.9
  3        Treasury and Agency securities (2)              366.0     383.7     390.5     400.2     410.9     427.5     432.0     435.3         448.3     446.0     457.4     449.1
  3a         Trading account                                35.8      38.1      43.0      42.4      43.1      48.0      42.6      37.8          39.7      39.5      51.1      44.4
  3b         Investment account                            330.2     345.5     347.6     357.8     367.9     379.5     389.4     397.5         408.6     406.5     406.3     404.7
  4        Other securities                                278.8     261.8     273.6     283.5     302.3     309.1     313.5     308.0         293.3     315.2     323.3     343.8
  4a         Trading account                               165.7     128.2     140.5     148.3     168.8     174.5     172.7     161.5         147.7     168.8     175.0     190.6
  4b         Investment account                            113.1     133.6     133.1     135.2     133.5     134.6     140.8     146.5         145.6     146.4     148.2     153.2
  4c           State and local government                   26.8      27.2      26.9      27.3      28.3      28.0      28.4      28.7          28.9      28.7      28.7      29.1
  4d           Other                                        86.3     106.4     106.2     107.8     105.3     106.5     112.4     117.8         116.8     117.7     119.5     124.1

  5     Loans and leases in bank credit (3)              2,001.4   1,922.0   1,919.1   1,919.1   1,923.1   1,947.6   1,975.5   1,991.2       1,987.1   1,984.0   2,002.7   2,009.5
  6        Commercial and industrial                       556.2     511.8     504.7     500.6     489.2     488.2     484.7     483.0         483.4     482.3     481.1     479.1
  7        Real estate                                     853.9     848.4     849.7     862.9     883.0     902.0     922.9     942.3         939.6     946.2     960.2     971.7
  8          Revolving home equity                          95.7     108.8     112.4     116.8     121.6     124.5     126.8     129.5         129.5     130.0     130.4     131.0
  9          Other                                         758.1     739.6     737.4     746.0     761.4     777.5     796.1     812.8         810.1     816.2     829.8     840.7
  10       Consumer                                        245.8     247.0     246.8     242.6     243.3     248.8     254.3     255.3         254.5     256.2     255.4     255.0
  11       Security (4)                                     70.9      75.7      81.5      76.6      78.8      77.5      77.8      77.0          77.5      67.4      70.9      71.9
  11a        Fed funds and RPs with broker/dealer           57.3      63.4      69.2      64.6      66.3      66.2      67.8      66.7          67.6      56.2      61.0      60.6
  11b        Other                                          13.6      12.3      12.3      12.0      12.5      11.3      10.0      10.3           9.9      11.2       9.9      11.3
  12a      State and local government                       15.3      13.1      13.0      13.0      12.8      12.9      13.0      12.9          13.1      12.1      12.0      12.2
  12b      Agricultural                                      9.9       9.3       9.3       9.1       9.0       8.2       8.2       8.1           8.1       8.2       8.1       8.1
  12c      Fed funds and RPs with others                    30.4      22.3      19.0      17.4      13.6      16.5      19.6      19.0          17.5      19.9      21.3      18.4
  12d      All other loans                                  82.6      65.2      67.3      70.1      67.2      67.5      69.2      69.4          69.2      68.0      70.3      70.0
  12e      Lease financing receivables                     136.4     129.2     127.8     126.8     126.3     126.1     125.9     124.2         124.1     123.9     123.4     123.2

  13  Interbank loans                                      175.7     159.7     169.7     161.8     163.4     174.8     180.3     180.0         182.1     174.2     183.5     176.8
  13a   Fed funds and RPs with banks                        95.8      86.4      85.5      75.6      75.7      85.1      87.4      82.4          81.4      79.2      90.2      87.3
  13b   Other                                               79.8      73.3      84.2      86.2      87.7      89.7      92.8      97.6         100.7      94.9      93.3      89.5

  14  Cash assets (5)                                      155.3     139.8     141.2     143.1     142.4     146.8     144.3     143.8         145.4     149.3     140.4     150.5

  15  Other assets (6)                                     332.8     303.9     309.5     304.3     310.5     319.0     313.7     321.7         325.5     322.0     319.3     324.2

  16  TOTAL ASSETS (7)                                   3,269.4   3,126.6   3,159.4   3,167.8   3,208.6   3,281.5   3,316.2   3,337.0       3,338.6   3,347.5   3,383.1   3,410.5



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                       November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,806.1   1,819.8   1,815.1   1,817.9   1,847.2   1,872.9   1,883.6   1,899.9       1,896.1   1,900.5   1,915.5   1,930.3
  18    Transaction                                        326.1     289.8     291.3     286.9     292.4     282.6     268.5     287.1         301.0     315.0     266.7     274.6
  19    Nontransaction                                   1,480.0   1,530.1   1,523.8   1,530.9   1,554.8   1,590.3   1,615.1   1,612.8       1,595.1   1,585.4   1,648.8   1,655.7
  20       Large time                                      262.8     247.5     248.9     244.0     261.2     268.0     271.6     272.5         270.6     273.7     271.7     270.4
  21       Other                                         1,217.2   1,282.6   1,274.9   1,286.9   1,293.6   1,322.3   1,343.5   1,340.3       1,324.5   1,311.7   1,377.1   1,385.3

  22  Borrowings                                           690.1     648.2     667.0     657.1     643.6     677.9     673.2     668.8         674.8     672.6     681.4     685.1
  23    From banks in the U.S.                             222.2     193.1     194.1     187.9     191.2     200.9     206.5     205.3         200.5     208.6     213.6     216.9
  24    From others                                        467.9     455.0     472.9     469.2     452.5     477.0     466.7     463.5         474.3     464.0     467.7     468.1

  25  Net due to related foreign offices                   183.9     167.6     168.1     163.9     171.2     171.2     175.5     179.5         182.4     179.5     180.6     180.7

  26  Other liabilities                                    230.8     181.2     189.3     210.7     233.6     244.0     254.7     251.4         236.6     257.4     261.0     274.2

  27  TOTAL LIABILITIES                                  2,910.9   2,816.8   2,839.5   2,849.5   2,895.6   2,966.0   2,986.9   2,999.6       2,989.8   3,010.0   3,038.5   3,070.2

  28  Residual (assets less liabilities) (8)               358.4     309.8     319.9     318.2     313.0     315.5     329.2     337.4         348.8     337.5     344.7     340.3



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

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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                                                                                               November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,643.9   2,567.1   2,583.2   2,602.9   2,621.1   2,670.9   2,715.4   2,733.2       2,721.6   2,749.6   2,795.1   2,808.9

  2     Securities in bank credit                          645.5     643.5     662.1     680.0     701.2     730.3     742.8     743.8         739.6     766.0     787.2     795.7
  3        Treasury and Agency securities (2)              363.8     384.2     389.0     397.9     404.8     423.6     429.6     432.7         443.5     445.9     459.2     448.4
  3a         Trading account                                35.5      38.2      42.8      42.2      42.4      47.6      42.4      37.6          39.2      39.5      51.3      44.3
  3b         Investment account                            328.3     346.0     346.2     355.7     362.3     376.0     387.2     395.1         404.3     406.4     407.9     404.0
  3c           Mortgage-backed                             261.5     268.1     272.1     277.5     287.3     304.5     308.0     312.9         324.2     327.5     328.0     323.2
  3d           Other                                        66.8      77.8      74.1      78.2      75.0      71.5      79.1      82.2          80.1      78.9      79.8      80.8
  3e             1 year or less                             16.7      18.4      16.1      14.9      18.7      17.4      19.9      21.9          22.5      21.9      22.4      22.8
  3f             Between 1 and 5 years                      32.2      46.5      45.1      50.0      43.7      42.2      46.3      50.0          47.8      47.6      46.7      47.0
  3g             More than 5 years                          17.9      12.9      12.9      13.3      12.7      11.8      12.9      10.4           9.8       9.4      10.8      11.0
  4        Other securities                                281.6     259.4     273.1     282.1     296.5     306.7     313.2     311.2         296.1     320.1     328.0     347.4
  4a         Trading account                               167.4     127.0     140.2     147.5     165.5     173.1     172.6     163.2         149.1     171.4     177.6     192.6
  4b         Investment account                            114.2     132.4     132.9     134.5     131.0     133.6     140.7     148.0         147.0     148.7     150.4     154.8
  4c           State and local government                   27.1      27.0      26.9      27.2      27.7      27.8      28.4      29.0          29.2      29.1      29.1      29.4
  4d           Other                                        87.2     105.4     106.0     107.3     103.3     105.7     112.3     119.0         117.9     119.6     121.3     125.4

  5     Loans and leases in bank credit (3)              1,998.5   1,923.6   1,921.0   1,922.9   1,919.9   1,940.6   1,972.6   1,989.4       1,982.0   1,983.6   2,007.9   2,013.2
  6        Commercial and industrial                       557.0     515.2     508.2     501.8     488.9     485.8     484.3     483.7         483.0     483.2     483.6     480.2
  7        Real estate                                     852.8     847.2     853.2     864.8     883.2     902.5     923.3     941.2         936.7     944.7     962.5     974.7
  8          Revolving home equity                          95.8     108.4     112.9     117.3     121.9     124.9     127.3     129.5         129.4     130.0     130.5     131.1
  9a         Other residential                             440.5     426.0     426.6     435.6     449.2     464.9     482.7     495.8         490.7     497.0     516.2     527.8
  9b         Commercial                                    316.6     312.8     313.7     311.9     312.1     312.7     313.3     315.9         316.6     317.6     315.7     315.8
  10       Consumer                                        242.9     247.4     247.5     242.5     241.4     246.6     251.8     252.4         251.7     253.9     253.2     253.1
  10a        Credit card and related plans                  75.8      74.2      74.2      71.9      70.7      73.4      75.7      74.6          74.0      75.5      73.6      73.2
  10f        Other                                         167.1     173.2     173.2     170.6     170.7     173.2     176.0     177.8         177.7     178.5     179.6     179.9
  11       Security (4)                                     73.1      74.0      76.4      77.3      77.7      76.4      79.0      79.3          80.9      70.3      73.5      73.5
  11a        Fed funds and RPs with broker/dealer           59.0      62.0      64.9      65.2      65.4      65.2      68.9      68.7          70.6      58.6      63.2      61.9
  11b        Other                                          14.0      12.1      11.5      12.1      12.3      11.2      10.1      10.6          10.3      11.7      10.3      11.5
  12a      State and local government                       15.3      13.1      13.0      13.0      12.8      12.9      13.0      12.9          13.1      12.1      12.0      12.2
  12b      Agricultural                                      9.9       9.2       9.3       9.3       9.2       8.3       8.2       8.0           8.0       8.1       8.1       8.1
  12c      Fed funds and RPs with others                    29.3      22.3      19.0      17.4      13.6      16.5      19.6      19.0          17.5      19.9      21.3      18.4
  12d      All other loans                                  82.4      65.3      66.7      70.5      67.4      67.0      69.4      69.3          67.7      68.2      70.7      70.3
  12e      Lease financing receivables                     135.7     129.8     127.8     126.4     125.6     124.8     124.0     123.6         123.3     123.3     123.1     122.9

  13  Interbank loans                                      171.5     163.5     170.9     166.9     162.4     170.2     175.3     175.7         173.2     176.8     185.3     180.1
  13a   Fed funds and RPs with banks                        93.5      88.5      86.1      77.9      75.3      82.9      85.1      80.4          77.4      80.4      91.1      88.9
  13b   Other                                               77.9      75.0      84.8      88.9      87.2      87.3      90.2      95.2          95.8      96.4      94.2      91.2

  14  Cash assets (5)                                      155.8     142.4     140.7     139.0     137.0     137.8     141.5     144.7         135.6     150.7     139.0     159.1

  15  Other assets (6)                                     332.0     304.5     309.1     303.8     310.4     316.8     315.7     321.0         318.5     322.8     324.6     327.4

  16  TOTAL ASSETS (7)                                   3,263.1   3,133.6   3,159.6   3,168.3   3,187.0   3,252.2   3,304.6   3,331.9       3,306.3   3,357.1   3,400.7   3,432.1

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

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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)                                                                                   November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,802.3   1,827.3   1,809.6   1,816.4   1,839.1   1,856.5   1,874.9   1,896.9       1,871.4   1,898.0   1,925.7   1,947.0
  18    Transaction                                        321.5     297.1     288.5     285.4     287.4     271.1     264.1     283.1         283.1     314.5     262.5     281.3
  19    Nontransaction                                   1,480.8   1,530.2   1,521.2   1,531.0   1,551.7   1,585.4   1,610.8   1,613.8       1,588.3   1,583.5   1,663.2   1,665.6
  20       Large time                                      264.0     245.8     247.1     243.3     259.1     266.3     269.0     273.7         272.0     276.3     275.9     273.9
  21       Other                                         1,216.9   1,284.5   1,274.1   1,287.7   1,292.6   1,319.0   1,341.8   1,340.0       1,316.3   1,307.3   1,387.3   1,391.7

  22  Borrowings                                           691.9     654.3     673.4     656.2     633.6     657.5     670.6     670.8         674.0     677.9     690.5     690.7
  23    From banks in the U.S.                             220.3     198.1     195.3     185.4     187.1     195.7     199.7     203.6         197.9     207.5     213.8     214.8
  24    From others                                        471.6     456.2     478.1     470.7     446.4     461.9     470.9     467.2         476.1     470.4     476.7     475.9

  25  Net due to related foreign offices                   184.8     160.8     167.8     162.6     166.0     170.2     175.0     180.2         185.5     184.7     184.1     184.1

  26  Other liabilities                                    231.7     174.5     188.8     209.1     227.2     242.5     254.2     252.2         239.9     264.3     266.0     279.1

  27  TOTAL LIABILITIES                                  2,910.8   2,817.0   2,839.6   2,844.3   2,865.9   2,926.7   2,974.6   3,000.1       2,970.8   3,024.9   3,066.3   3,100.8

  28  Residual (assets less liabilities) (8)               352.3     316.6     320.0     324.0     321.1     325.5     330.0     331.8         335.5     332.1     334.4     331.3













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

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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                                                                                                   November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,184.1   2,283.9   2,327.3   2,345.3   2,355.8   2,381.9   2,403.5   2,423.4       2,425.1   2,434.0   2,435.1   2,440.8

  2     Securities in bank credit                          594.3     630.8     644.4     647.3     647.8     653.4     657.1     661.0         659.6     664.1     665.6     666.2
  3        Treasury and Agency securities (2)              380.1     415.0     432.3     437.3     436.7     441.9     449.1     452.9         451.1     456.4     457.2     457.0
  4        Other securities                                214.2     215.9     212.2     210.0     211.1     211.5     208.0     208.1         208.5     207.7     208.3     209.2

  5     Loans and leases in bank credit (3)              1,589.9   1,653.0   1,682.9   1,698.0   1,708.0   1,728.5   1,746.4   1,762.4       1,765.4   1,769.9   1,769.6   1,774.6
  6        Commercial and industrial                       298.6     299.2     300.8     301.8     303.9     306.4     307.6     308.1         307.6     308.8     308.7     309.3
  7        Real estate                                     880.3     928.1     950.1     959.1     969.9     981.7     994.6   1,007.3       1,008.4   1,014.1   1,015.0   1,018.0
  8          Revolving home equity                          55.0      63.3      67.4      69.5      71.7      73.4      74.4      75.8          76.0      76.3      76.6      76.5
  9          Other                                         825.3     864.8     882.7     889.6     898.2     908.3     920.2     931.5         932.4     937.7     938.4     941.4
  10       Consumer                                        305.3     320.9     324.3     328.0     323.9     328.6     331.1     332.1         333.5     332.4     330.6     332.1
  11       Security (4)                                      7.8       7.2       7.3       7.6       7.8       8.1       8.3       8.4           8.5       8.4       8.1       8.0
  12       Other loans and leases                           97.9      97.6     100.4     101.5     102.5     103.8     104.9     106.4         107.5     106.3     107.2     107.2

  13  Interbank loans                                      102.2      89.1      95.3     100.4     107.2     110.7     113.6     118.4         122.5     121.1     114.2     114.3

  14  Cash assets (5)                                      108.1     113.8     115.6     118.8     120.9     123.4     124.4     126.1         130.2     126.2     123.9     119.0

  15  Other assets (6)                                     130.1     147.4     147.9     146.4     146.1     152.3     155.5     154.4         151.8     154.0     160.0     181.0

  16  TOTAL ASSETS (7)                                   2,494.7   2,603.4   2,655.0   2,679.7   2,698.9   2,736.7   2,765.0   2,789.7       2,796.9   2,802.6   2,800.8   2,822.5

            L I A B I L I T I E S

  17  Deposits                                           1,952.0   2,007.5   2,045.9   2,066.7   2,082.3   2,106.0   2,116.7   2,130.1       2,132.3   2,140.1   2,135.4   2,147.9
  18    Transaction                                        303.9     301.6     307.3     300.9     311.2     307.7     306.4     315.5         325.1     335.7     302.6     302.7
  19    Nontransaction                                   1,648.2   1,705.9   1,738.6   1,765.8   1,771.1   1,798.3   1,810.3   1,814.6       1,807.2   1,804.4   1,832.8   1,845.3
  20       Large time                                      310.1     301.4     301.8     300.7     302.0     302.5     303.0     305.5         305.7     306.1     305.4     305.6
  21       Other                                         1,338.0   1,404.5   1,436.8   1,465.1   1,469.1   1,495.8   1,507.2   1,509.1       1,501.5   1,498.3   1,527.4   1,539.7

  22  Borrowings                                           370.2     381.2     388.4     390.4     394.5     409.3     426.2     429.9         435.8     431.4     426.9     425.6
  23    From banks in the U.S.                             166.9     167.1     169.9     171.0     174.2     182.3     186.7     185.9         190.9     182.0     185.9     184.1
  24    From others                                        203.3     214.1     218.5     219.3     220.2     226.9     239.4     244.0         244.8     249.4     241.0     241.5

  25  Net due to related foreign offices                     9.6       9.7      11.6      11.7       9.8       8.5       8.6      12.3          11.0      12.2      12.2      12.2

  26  Other liabilities                                     64.2      71.5      74.9      76.3      76.1      78.9      80.3      80.6          80.9      81.9      82.0      83.4

  27  TOTAL LIABILITIES                                  2,396.0   2,470.0   2,520.8   2,545.0   2,562.7   2,602.6   2,631.7   2,652.9       2,659.9   2,665.6   2,656.6   2,669.1

  28  Residual (assets less liabilities) (8)                98.7     133.4     134.2     134.7     136.2     134.1     133.2     136.8         137.0     137.0     144.2     153.4



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

  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                                                                                               November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,189.1   2,281.0   2,325.2   2,342.7   2,350.5   2,378.9   2,405.6   2,428.8       2,430.9   2,441.2   2,441.4   2,446.6

  2     Securities in bank credit                          593.3     632.1     643.6     646.8     645.7     651.1     656.0     659.8         658.4     663.5     664.8     665.9
  3        Treasury and Agency securities (2)              379.1     416.2     431.5     436.8     434.5     439.5     448.0     451.7         449.9     455.8     456.5     456.6
  4        Other securities                                214.2     215.9     212.2     210.0     211.1     211.5     208.0     208.1         208.5     207.7     208.3     209.2

  5     Loans and leases in bank credit (3)              1,595.8   1,648.9   1,681.5   1,695.8   1,704.8   1,727.9   1,749.5   1,769.0       1,772.4   1,777.7   1,776.6   1,780.7
  6        Commercial and industrial                       298.5     301.1     303.2     303.9     304.4     304.8     305.9     308.0         307.8     308.7     308.4     308.3
  7        Real estate                                     883.1     926.1     949.3     958.2     969.0     982.4     996.3   1,010.6       1,011.9   1,018.0   1,018.7   1,021.8
  8          Revolving home equity                          55.4      63.1      67.2      69.3      71.2      73.2      74.9      76.4          76.6      77.0      77.2      77.3
  9          Other                                         827.7     863.0     882.1     888.9     897.8     909.2     921.4     934.2         935.3     941.0     941.5     944.5
  10       Consumer                                        308.6     317.1     321.8     324.0     319.9     327.3     333.1     335.7         338.3     336.9     333.5     335.3
  10a        Credit card and related plans                 140.5     149.3     148.6     149.2     144.7     151.1     155.6     157.7         160.2     158.6     155.0     156.8
  10h        Other                                         168.1     167.7     173.2     174.9     175.2     176.2     177.5     178.0         178.1     178.4     178.5     178.5
  11       Security (4)                                      7.7       7.4       7.1       7.4       7.7       8.0       8.1       8.3           8.2       8.4       8.7       8.4
  12       Other loans and leases                           97.9      97.3     100.1     102.2     103.8     105.3     106.1     106.4         106.3     105.7     107.4     107.0

  13  Interbank loans                                      101.4      95.1      90.7      97.4     102.3     108.9     110.9     117.4         116.7     118.5     122.4     117.3

  14  Cash assets (5)                                      108.5     112.2     115.0     117.2     119.0     119.6     124.0     126.6         122.4     127.2     124.2     125.3

  15  Other assets (6)                                     130.1     147.4     147.9     146.4     146.1     152.3     155.5     154.4         151.8     154.0     160.0     181.0

  16  TOTAL ASSETS (7)                                   2,499.3   2,604.9   2,647.6   2,672.4   2,686.8   2,728.1   2,763.8   2,794.6       2,789.0   2,808.3   2,815.6   2,837.7

            L I A B I L I T I E S

  17  Deposits                                           1,947.7   2,020.5   2,039.2   2,057.8   2,070.1   2,089.9   2,105.3   2,125.4       2,114.9   2,132.7   2,144.4   2,157.3
  18    Transaction                                        302.6     303.3     302.5     299.7     308.8     304.0     304.5     314.2         315.7     334.9     304.5     306.2
  19    Nontransaction                                   1,645.1   1,717.2   1,736.7   1,758.0   1,761.4   1,785.9   1,800.8   1,811.2       1,799.2   1,797.8   1,839.9   1,851.1
  20       Large time                                      310.1     301.4     301.8     300.7     302.0     302.5     303.0     305.5         305.7     306.1     305.4     305.6
  21       Other                                         1,334.9   1,415.8   1,434.9   1,457.4   1,459.4   1,483.4   1,497.8   1,505.7       1,493.6   1,491.7   1,534.5   1,545.5

  22  Borrowings                                           370.2     381.2     388.4     390.4     394.5     409.3     426.2     429.9         435.8     431.4     426.9     425.6
  23    From banks in the U.S.                             166.9     167.1     169.9     171.0     174.2     182.3     186.7     185.9         190.9     182.0     185.9     184.1
  24    From others                                        203.3     214.1     218.5     219.3     220.2     226.9     239.4     244.0         244.8     249.4     241.0     241.5

  25  Net due to related foreign offices                     9.6       9.7      11.6      11.7       9.8       8.5       8.6      12.3          11.0      12.2      12.2      12.2

  26  Other liabilities                                     64.2      71.5      74.9      76.3      76.1      78.9      80.3      80.6          80.9      81.9      82.0      83.4

  27  TOTAL LIABILITIES                                  2,391.6   2,482.9   2,514.2   2,536.1   2,550.5   2,586.5   2,620.4   2,648.2       2,642.6   2,658.2   2,665.6   2,678.5

  28  Residual (assets less liabilities) (8)               107.7     122.0     133.4     136.3     136.3     141.5     143.5     146.4         146.4     150.1     150.0     159.2




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

  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                                                                                                                         November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          592.6     598.1     597.2     605.6     608.9     617.8     616.3     610.7         611.6     608.8     623.1     637.3

  2     Securities in bank credit                          231.7     225.4     228.4     234.9     236.2     246.3     244.0     239.5         234.8     238.7     250.9     260.0
  3        Treasury and Agency securities (2)               78.9      70.9      72.4      74.9      75.0      81.4      86.6      87.6          85.5      88.9      93.7      96.8
  4        Other securities                                152.9     154.5     156.0     160.0     161.2     164.8     157.4     151.9         149.3     149.9     157.2     163.2

  5     Loans and leases in bank credit (3)                360.9     372.7     368.8     370.7     372.7     371.6     372.2     371.2         376.8     370.1     372.1     377.4
  6        Commercial and industrial                       196.8     198.0     198.7     194.6     190.5     189.2     184.6     181.0         182.3     180.2     181.3     181.1
  7        Real estate                                      18.8      19.4      19.4      19.6      19.8      19.8      19.9      20.5          20.6      21.1      21.3      21.5
  11       Security (4)                                     75.4      84.1      79.9      85.0      89.7      90.2      94.7      96.4         100.4      96.3      98.3     102.8
  12       Other loans and leases                           69.8      71.2      70.8      71.5      72.7      72.4      72.9      73.3          73.6      72.5      71.2      72.0

  13  Interbank loans                                       23.7      21.9      23.4      20.2      17.3      18.1      21.1      24.6          25.4      29.5      24.5      27.4

  14  Cash assets (5)                                       39.0      46.5      45.1      45.3      44.9      44.7      43.5      42.7          42.0      42.2      40.4      39.5

  15  Other assets (6)                                      33.0      30.9      30.6      32.8      33.7      33.4      32.1      35.8          34.7      38.8      40.9      40.6

  16  TOTAL ASSETS (7)                                     687.8     697.0     695.9     703.5     704.4     713.7     712.6     713.4         713.3     719.0     728.5     744.5

            L I A B I L I T I E S

  17  Deposits                                             423.4     506.9     507.6     508.3     503.7     497.1     485.6     463.5         459.5     457.3     443.0     445.4
  18    Transaction                                         10.9      10.6      10.9      10.9      10.6      10.9      11.0      10.6          10.1       9.7      10.5      10.5
  19    Nontransaction                                     412.6     496.3     496.7     497.3     493.1     486.2     474.6     452.8         449.4     447.6     432.6     434.9

  22  Borrowings                                           205.9     190.6     190.1     193.8     203.1     214.7     223.6     228.7         220.9     236.6     248.3     253.5
  23    From banks in the U.S.                              23.4      22.3      21.1      21.4      21.2      22.4      23.8      24.1          21.8      24.0      26.2      21.6
  24    From others                                        182.5     168.3     169.1     172.4     181.9     192.3     199.8     204.5         199.1     212.7     222.1     231.9

  25  Net due to related foreign offices                   -15.3     -73.6     -87.6     -84.7     -90.5     -88.9     -84.5     -69.3         -55.1     -68.9     -54.6     -57.1

  26  Other liabilities                                     78.4      68.0      72.6      81.7      87.5      93.4      89.8      95.6          91.6      99.3     101.6     104.1

  27  TOTAL LIABILITIES                                    692.4     691.8     682.7     699.1     703.7     716.3     714.4     718.4         716.9     724.4     738.4     745.9

  28  Residual (assets less liabilities) (8)                -4.5       5.2      13.2       4.5       0.6      -2.6      -1.8      -5.0          -3.5      -5.4      -9.9      -1.5



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

  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                                                                                                                     November 22, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          592.7     598.1     593.2     602.6     602.8     611.7     612.9     610.7         611.0     613.8     629.1     641.6

  2     Securities in bank credit (2)                      231.7     225.4     228.4     234.9     236.2     246.3     244.0     239.5         234.8     238.7     250.9     260.0
  3        Treasury and Agency securities                   78.9      70.9      72.4      74.9      75.0      81.4      86.6      87.6          85.5      88.9      93.7      96.8
  3a         Trading account                                15.7       9.3      10.0      10.4      10.5      12.8      14.3      14.7          14.1      14.3      19.7      20.8
  3b         Investment account                             63.1      61.7      62.3      64.5      64.5      68.6      72.3      72.9          71.4      74.6      74.0      76.1
  4        Other securities                                152.9     154.5     156.0     160.0     161.2     164.8     157.4     151.9         149.3     149.9     157.2     163.2
  4a         Trading account                               104.0      96.3      98.5     102.7     106.8     108.8     103.0      98.5          95.9      96.6     102.6     107.4
  4b         Investment account                             48.9      58.1      57.6      57.3      54.4      56.0      54.4      53.5          53.4      53.2      54.6      55.7

  5     Loans and leases in bank credit (3)                360.9     372.7     364.8     367.7     366.7     365.4     368.9     371.2         376.2     375.1     378.2     381.6
  6        Commercial and industrial                       197.6     196.8     196.4     193.5     189.2     187.6     184.6     181.6         182.6     181.9     183.2     182.5
  7        Real estate                                      18.8      19.4      19.4      19.6      19.8      19.8      19.9      20.5          20.6      21.1      21.3      21.5
  11       Security (4)                                     75.5      84.7      78.7      83.4      86.3      86.9      91.9      96.5         100.5     100.0     102.6     105.9
  12       Other loans and leases                           69.0      71.9      70.4      71.2      71.4      71.1      72.5      72.5          72.6      72.0      71.1      71.9

  13  Interbank loans                                       23.7      21.9      23.4      20.2      17.3      18.1      21.1      24.6          25.4      29.5      24.5      27.4

  14  Cash assets (5)                                       39.8      44.6      43.6      43.3      43.1      43.3      43.5      43.6          43.0      44.2      42.2      42.2

  15  Other assets (6)                                      32.4      30.7      30.7      31.4      32.4      32.9      32.7      35.2          33.7      37.7      40.3      39.9

  16  TOTAL ASSETS (7)                                     688.2     694.9     690.5     697.1     695.2     705.6     709.9     713.7         712.7     724.7     735.8     750.9

            L I A B I L I T I E S

  17  Deposits                                             416.8     510.7     512.7     506.4     494.6     482.6     473.6     456.1         453.4     453.6     441.9     448.0
  18    Transaction                                         11.0      10.1      10.5      10.6      10.6      10.6      11.1      10.8          10.2      10.1      10.6      10.7
  19    Nontransaction                                     405.8     500.6     502.2     495.8     484.1     472.0     462.4     445.4         443.2     443.4     431.3     437.3

  22  Borrowings                                           205.9     190.6     190.1     193.8     203.1     214.7     223.6     228.7         220.9     236.6     248.3     253.5
  23    From banks in the U.S.                              23.4      22.3      21.1      21.4      21.2      22.4      23.8      24.1          21.8      24.0      26.2      21.6
  24    From others                                        182.5     168.3     169.1     172.4     181.9     192.3     199.8     204.5         199.1     212.7     222.1     231.9

  25  Net due to related foreign offices                   -16.8     -75.5     -87.7     -87.3     -94.4     -90.8     -83.5     -70.6         -56.5     -69.1     -58.3     -58.3

  26  Other liabilities                                     77.7      67.3      72.5      80.4      85.3      92.2      90.3      94.8          90.8      99.2      99.2     103.3

  27  TOTAL LIABILITIES                                    683.6     693.1     687.7     693.3     688.6     698.7     704.0     709.0         708.5     720.2     731.2     746.5

  28  Residual (assets less liabilities) (8)                 4.5       1.8       2.8       3.9       6.6       6.9       5.9       4.6           4.1       4.5       4.6       4.3







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

  Footnotes appear on page 14.



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


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 23    Oct 30     Nov 6    Nov 13 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)             103.6      73.3      80.8      92.9     105.8     112.3     119.1     110.9          95.7     115.8     119.2     130.2

  30  Reval. losses on off-bal. sheet items (9)             86.0      57.5      61.7      75.2      89.2      93.7     100.0      93.7          80.0      99.1     104.0     115.0

  31  Mortgage-backed securities (10)                      284.0     302.2     306.3     312.7     320.1     338.2     343.6     354.9         365.9     371.1     373.1     369.5
  31a   Pass-through                                       215.3     203.3     210.5     224.6     236.3     253.4     254.7     261.3         274.9     276.0     277.0     273.4
  31b   CMO, REMIC, and other                               68.7      98.9      95.8      88.1      83.7      84.8      88.9      93.6          91.0      95.1      96.1      96.1

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                   9.2       1.4       4.3       6.6       8.6       9.7      12.4      12.9          12.0      13.1      12.1      12.9

  33  Offshore credit to U.S. residents (12)                20.0      19.7      19.6      19.6      19.1      19.0      19.0      18.4          18.4      18.5      18.3      18.3

  34  Securitized consumer loans (13)                      101.9      98.5      98.6     102.6     106.4     104.6     103.8     105.2         105.4     105.9     106.8     107.3
  34a   Credit card and related plans                       91.4      86.6      87.2      90.5      91.3      89.5      89.1      90.9          91.3      91.2      92.2      92.8
  34b   Other                                               10.5      11.9      11.5      12.2      15.1      15.1      14.7      14.3          14.1      14.7      14.6      14.5

  35  Securitized business loans (13)                       21.1      17.1      16.7      16.6      17.0      17.7      17.6      17.4          17.4      17.1      17.2      17.2


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      257.1     287.9     302.4     305.3     305.0     307.1     312.8     315.4         313.3     318.6     318.6     318.3

  34  Securitized consumer loans (13)                      238.0     243.9     244.5     244.3     239.8     238.1     235.8     234.8         233.9     235.7     236.9     237.5
  34a   Credit card and related plans                      229.6     235.9     237.0     237.3     236.2     235.0     232.7     231.6         230.6     232.4     233.7     234.3
  34b   Other                                                8.4       7.9       7.6       7.0       3.6       3.1       3.0       3.3           3.3       3.3       3.2       3.2


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              62.6      46.3      49.8      54.8      60.7      64.9      62.2      59.6          56.8      59.2      64.7      70.3

  30  Reval. losses on off-bal. sheet items (9)             54.4      39.9      42.8      49.3      57.6      65.3      62.0      59.4          56.1      58.3      62.4      67.2

  35  Securitized business loans (13)                       13.5      11.3      10.5       9.9       9.4       9.1       8.1       7.7           7.7       7.6       7.5       7.5











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                 November 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.

NOTE: Large domestically chartered commercial banks acquired $1.4 billion in assets and liabilities of nonbank institutions in the week ending November 13, 2002.  The major asset items                                                                                                     
affected were (in billions): cash assets, $0.1; real estate loans, commercial, $0.2; real estate loans, other $1.1; and other assets, $0.1.  The major liability items affected were: transaction                                                                                            
deposits, $0.1; nontransaction deposits, other, $1.0; and residual (assets less liabilities), $0.3.  Memo item affected was large time deposits, $0.2.                                                                                                                                       
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