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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,460.4 5,498.7 5,540.6 5,591.1 5,672.8 5,729.0 5,753.6 5,836.5 5,838.8 5,905.1 5,895.5 5,909.7 2 Securities in bank credit 1,494.9 1,535.5 1,562.5 1,594.4 1,632.7 1,642.3 1,637.8 1,687.4 1,678.7 1,718.9 1,696.1 1,715.7 3 Treasury and Agency securities (2) 839.9 893.3 908.9 918.3 945.7 962.0 969.0 1,000.5 1,005.6 1,024.9 997.1 1,003.2 4 Other securities 655.0 642.2 653.6 676.1 687.0 680.3 668.8 686.8 673.1 694.0 699.0 712.5 5 Loans and leases in bank credit (3) 3,965.5 3,963.2 3,978.1 3,996.7 4,040.1 4,086.6 4,115.7 4,149.2 4,160.1 4,186.1 4,199.4 4,194.0 6 Commercial and industrial 1,040.5 1,001.2 993.6 982.2 982.3 975.7 970.4 967.8 969.9 968.0 966.0 967.9 7 Real estate 1,772.4 1,816.6 1,838.4 1,869.2 1,900.7 1,935.0 1,967.2 1,999.9 2,011.9 2,029.6 2,020.7 2,016.3 8 Revolving home equity 152.6 179.6 186.1 192.9 197.7 201.0 205.0 207.8 209.8 211.2 213.2 212.8 9 Other 1,619.8 1,637.0 1,652.4 1,676.3 1,703.0 1,734.0 1,762.2 1,792.1 1,802.1 1,818.4 1,807.6 1,803.4 10 Consumer 558.8 569.9 568.6 564.7 574.8 582.8 584.8 585.7 584.7 587.0 589.0 587.8 11 Security (4) 154.6 169.1 169.7 177.4 176.0 180.7 182.1 186.1 184.9 193.1 211.8 208.4 12 Other loans and leases 439.2 406.4 407.7 403.2 406.3 412.5 411.2 409.8 408.7 408.5 411.8 413.7 13 Interbank loans 286.3 288.4 282.4 288.6 305.6 318.4 327.3 328.2 319.1 326.9 333.7 346.1 14 Cash assets (5) 297.0 301.5 306.7 309.4 318.1 317.2 318.6 315.1 300.0 326.6 316.5 333.0 15 Other assets (6) 495.0 482.1 475.6 484.0 499.5 498.4 510.4 518.5 509.7 531.6 509.1 532.6 16 TOTAL ASSETS (7) 6,467.0 6,494.8 6,529.7 6,597.8 6,720.9 6,788.0 6,834.6 6,922.6 6,891.8 7,014.2 6,978.5 7,045.5 L I A B I L I T I E S 17 Deposits 4,198.1 4,358.7 4,377.4 4,414.0 4,460.5 4,473.4 4,482.6 4,500.1 4,492.7 4,478.2 4,473.2 4,510.1 18 Transaction 635.8 608.8 597.4 612.2 599.1 584.0 611.4 606.2 579.8 587.7 611.0 632.7 19 Nontransaction 3,562.3 3,749.8 3,780.0 3,801.8 3,861.4 3,889.4 3,871.2 3,893.9 3,913.0 3,890.6 3,862.2 3,877.4 20 Large time 982.2 1,042.5 1,036.1 1,048.1 1,049.2 1,044.3 1,026.4 1,004.5 994.8 981.8 984.7 981.4 21 Other 2,580.1 2,707.3 2,743.9 2,753.7 2,812.2 2,845.1 2,844.7 2,889.4 2,918.2 2,908.7 2,877.5 2,896.1 22 Borrowings 1,251.0 1,235.3 1,225.9 1,231.7 1,292.7 1,321.5 1,328.1 1,363.9 1,343.3 1,426.5 1,409.1 1,411.7 23 From banks in the U.S. 401.5 380.8 373.9 386.2 405.1 416.5 415.5 421.3 414.7 423.6 414.4 418.4 24 From others 849.6 854.5 852.0 845.5 887.6 905.0 912.6 942.6 928.6 1,002.9 994.7 993.3 25 Net due to related foreign offices 169.3 89.0 89.6 99.2 94.1 100.3 119.3 121.9 135.1 163.3 150.4 142.2 26 Other liabilities 404.8 349.0 386.0 408.0 430.4 434.9 437.2 444.5 431.3 446.5 453.6 473.3 27 TOTAL LIABILITIES 6,023.3 6,032.0 6,078.8 6,152.9 6,277.7 6,330.1 6,367.1 6,430.4 6,402.4 6,514.5 6,486.3 6,537.3 28 Residual (assets less liabilities) (8) 443.7 462.8 450.8 444.9 443.2 457.9 467.4 492.2 489.5 499.7 492.2 508.2 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,475.9 5,492.6 5,535.1 5,564.4 5,650.3 5,722.1 5,757.6 5,853.1 5,864.1 5,932.1 5,935.0 5,948.0 2 Securities in bank credit 1,498.6 1,532.8 1,558.3 1,580.2 1,624.0 1,638.6 1,637.2 1,691.6 1,690.4 1,728.1 1,704.4 1,720.3 3 Treasury and Agency securities (2) 840.6 891.0 906.1 910.0 939.4 958.5 965.2 1,001.4 1,013.4 1,031.8 1,003.8 1,006.3 4 Other securities 658.0 641.7 652.2 670.2 684.6 680.1 671.9 690.2 676.9 696.3 700.6 714.0 5 Loans and leases in bank credit (3) 3,977.4 3,959.8 3,976.7 3,984.2 4,026.3 4,083.5 4,120.4 4,161.5 4,173.7 4,204.1 4,230.6 4,227.7 6 Commercial and industrial 1,042.1 1,004.7 995.8 981.1 976.8 973.6 971.6 969.0 968.5 962.4 965.2 970.1 7 Real estate 1,776.9 1,819.2 1,839.4 1,868.5 1,901.8 1,937.1 1,969.4 2,005.0 2,016.5 2,036.3 2,024.2 2,021.7 8 Revolving home equity 153.2 179.9 186.3 192.7 197.8 202.1 205.6 208.6 210.2 211.4 213.4 213.0 9 Other 1,623.7 1,639.3 1,653.1 1,675.8 1,704.0 1,735.1 1,763.8 1,796.4 1,806.4 1,824.9 1,810.8 1,808.6 10 Consumer 561.3 568.1 564.5 558.8 571.3 582.3 585.4 588.2 589.1 593.2 599.6 602.5 10a Credit card and related plans 225.4 222.9 221.0 215.3 224.4 231.2 232.0 231.6 232.6 235.9 241.7 243.9 10b Other 335.9 345.3 343.4 343.5 346.9 351.1 353.4 356.6 356.5 357.4 357.9 358.6 11 Security (4) 157.9 162.6 168.7 172.8 171.5 178.8 184.5 189.8 188.6 203.8 225.4 215.0 12 Other loans and leases 439.3 405.1 408.3 402.9 404.8 411.7 409.5 409.5 410.9 408.2 416.1 418.4 13 Interbank loans 289.9 285.0 284.5 282.8 299.2 310.6 322.0 332.1 332.4 334.8 346.1 341.2 14 Cash assets (5) 306.2 298.8 299.0 300.2 303.8 314.1 321.0 325.0 312.2 324.8 339.3 348.8 15 Other assets (6) 496.2 481.8 473.9 482.8 496.8 500.9 509.2 519.6 513.6 531.0 512.2 534.5 16 TOTAL ASSETS (7) 6,496.4 6,482.2 6,516.8 6,555.0 6,675.0 6,772.4 6,834.6 6,954.0 6,946.2 7,046.4 7,056.2 7,096.5 L I A B I L I T I E S 17 Deposits 4,217.3 4,351.6 4,365.2 4,384.9 4,413.7 4,441.4 4,467.5 4,519.9 4,535.4 4,511.9 4,521.9 4,546.3 18 Transaction 641.8 600.8 594.4 604.7 583.8 577.9 606.2 611.8 591.9 588.5 636.7 659.0 19 Nontransaction 3,575.4 3,750.8 3,770.8 3,780.1 3,829.9 3,863.5 3,861.2 3,908.1 3,943.4 3,923.4 3,885.2 3,887.3 20 Large time 989.0 1,046.1 1,033.8 1,037.1 1,033.5 1,029.7 1,020.3 1,011.5 1,006.1 996.6 998.8 997.6 21 Other 2,586.5 2,704.7 2,737.0 2,743.0 2,796.4 2,833.8 2,840.9 2,896.7 2,937.4 2,926.8 2,886.4 2,889.7 22 Borrowings 1,254.1 1,241.7 1,225.0 1,221.7 1,272.6 1,318.9 1,330.1 1,367.1 1,346.7 1,413.3 1,415.9 1,409.6 23 From banks in the U.S. 398.8 382.1 371.4 382.2 399.9 409.6 413.7 418.5 414.9 421.5 418.0 420.0 24 From others 855.4 859.7 853.6 839.6 872.7 909.2 916.3 948.6 931.8 991.8 997.9 989.6 25 Net due to related foreign offices 172.6 88.6 85.7 90.0 91.1 100.8 118.6 125.5 136.7 168.0 155.0 152.4 26 Other liabilities 410.5 348.5 383.0 399.1 427.6 435.0 437.3 450.1 434.3 452.3 458.9 484.5 27 TOTAL LIABILITIES 6,054.5 6,030.4 6,058.9 6,095.7 6,205.0 6,296.1 6,353.4 6,462.6 6,453.1 6,545.6 6,551.7 6,592.7 28 Residual (assets less liabilities) (8) 441.9 451.7 457.9 459.3 470.0 476.3 481.2 491.4 493.1 500.9 504.5 503.8 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,860.6 4,903.0 4,935.0 4,976.9 5,052.0 5,111.3 5,145.1 5,215.8 5,221.0 5,253.7 5,252.6 5,261.8 2 Securities in bank credit 1,254.4 1,304.4 1,324.2 1,353.2 1,382.7 1,395.7 1,397.6 1,438.5 1,432.9 1,451.4 1,431.6 1,450.8 3 Treasury and Agency securities (2) 755.9 819.9 832.8 841.9 863.8 875.7 882.8 907.7 914.4 917.7 895.8 901.7 4 Other securities 498.5 484.5 491.5 511.3 518.8 520.0 514.8 530.8 518.5 533.7 535.8 549.1 5 Loans and leases in bank credit (3) 3,606.2 3,598.6 3,610.8 3,623.7 3,669.3 3,715.6 3,747.5 3,777.4 3,788.1 3,802.3 3,821.0 3,811.0 6 Commercial and industrial 844.5 804.5 800.6 790.9 792.4 790.2 789.2 788.6 788.9 787.3 787.9 788.5 7 Real estate 1,754.7 1,798.5 1,820.0 1,850.4 1,881.8 1,916.0 1,947.7 1,980.1 1,992.7 2,010.0 2,001.3 1,996.9 8 Revolving home equity 152.6 179.6 186.1 192.9 197.7 201.0 205.0 207.8 209.8 211.2 213.2 212.8 9 Other 1,602.1 1,618.9 1,633.9 1,657.5 1,684.1 1,714.9 1,742.7 1,772.2 1,782.9 1,798.8 1,788.1 1,784.0 10 Consumer 558.8 569.9 568.6 564.7 574.8 582.8 584.8 585.7 584.7 587.0 589.0 587.8 11 Security (4) 77.1 88.8 84.1 86.6 85.6 86.1 85.5 81.0 78.4 75.7 94.2 86.0 12 Other loans and leases 371.2 336.9 337.5 331.1 334.7 340.5 340.3 342.0 343.4 342.3 348.7 352.0 13 Interbank loans 261.1 265.0 262.2 271.1 287.1 296.7 301.9 301.6 292.4 290.2 302.8 312.0 14 Cash assets (5) 258.6 256.3 261.2 263.4 271.6 271.2 273.3 274.1 259.8 286.2 268.9 286.9 15 Other assets (6) 459.0 455.7 447.8 454.5 470.5 470.3 477.4 480.3 472.0 487.2 470.1 493.9 16 TOTAL ASSETS (7) 5,768.1 5,804.4 5,830.9 5,891.0 6,006.6 6,074.9 6,122.6 6,196.6 6,169.9 6,241.8 6,218.6 6,279.1 L I A B I L I T I E S 17 Deposits 3,768.4 3,853.5 3,872.2 3,915.2 3,965.5 3,987.4 4,016.5 4,051.6 4,049.7 4,046.3 4,048.3 4,089.4 18 Transaction 624.9 598.3 587.1 602.3 589.1 573.9 601.6 596.7 570.6 578.7 601.7 623.3 19 Nontransaction 3,143.4 3,255.3 3,285.1 3,312.8 3,376.4 3,413.5 3,414.9 3,454.8 3,479.1 3,467.7 3,446.6 3,466.1 20 Large time 565.8 550.2 543.8 562.3 569.9 574.3 577.8 573.7 567.7 567.6 574.0 575.6 21 Other 2,577.6 2,705.1 2,741.3 2,750.5 2,806.5 2,839.2 2,837.1 2,881.1 2,911.4 2,900.0 2,872.5 2,890.5 22 Borrowings 1,042.4 1,045.9 1,033.0 1,030.4 1,078.9 1,098.2 1,098.7 1,109.4 1,088.6 1,136.3 1,121.5 1,117.2 23 From banks in the U.S. 377.8 359.8 352.5 365.4 383.5 393.8 392.4 395.7 385.3 398.0 384.1 385.4 24 From others 664.5 686.1 680.4 665.0 695.4 704.4 706.4 713.6 703.3 738.3 737.4 731.8 25 Net due to related foreign offices 189.2 180.0 175.7 181.0 179.7 184.1 191.9 196.8 208.6 215.2 205.6 203.4 26 Other liabilities 323.0 272.5 300.5 317.1 333.6 342.7 340.2 345.4 332.5 344.9 352.5 373.5 27 TOTAL LIABILITIES 5,323.0 5,351.9 5,381.4 5,443.7 5,557.7 5,612.3 5,647.3 5,703.2 5,679.5 5,742.7 5,727.9 5,783.5 28 Residual (assets less liabilities) (8) 445.1 452.5 449.5 447.4 448.9 462.6 475.3 493.4 490.4 499.1 490.7 495.6 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,873.5 4,900.8 4,932.5 4,956.3 5,035.7 5,107.8 5,149.1 5,229.6 5,243.3 5,272.4 5,282.7 5,290.8 2 Securities in bank credit 1,258.0 1,301.7 1,320.1 1,339.0 1,374.0 1,392.0 1,396.9 1,442.7 1,444.6 1,460.5 1,439.9 1,455.3 3 Treasury and Agency securities (2) 756.6 817.6 830.0 833.6 857.6 872.3 879.0 908.6 922.3 924.6 902.5 904.7 4 Other securities 501.4 484.1 490.1 505.5 516.5 519.7 517.9 534.2 522.3 536.0 537.4 550.6 5 Loans and leases in bank credit (3) 3,615.4 3,599.1 3,612.4 3,617.3 3,661.7 3,715.8 3,752.2 3,786.9 3,798.7 3,811.8 3,842.8 3,835.5 6 Commercial and industrial 844.4 810.3 803.9 791.2 788.5 788.2 789.8 788.4 786.8 782.0 785.8 788.1 7 Real estate 1,759.2 1,801.1 1,821.0 1,849.8 1,883.0 1,918.1 1,949.9 1,985.1 1,997.3 2,016.8 2,004.7 2,002.3 8 Revolving home equity 153.2 179.9 186.3 192.7 197.8 202.1 205.6 208.6 210.2 211.4 213.4 213.0 9 Other 1,606.0 1,621.2 1,634.7 1,657.0 1,685.2 1,716.0 1,744.3 1,776.6 1,787.1 1,805.4 1,791.3 1,789.2 10 Consumer 561.3 568.1 564.5 558.8 571.3 582.3 585.4 588.2 589.1 593.2 599.6 602.5 10a Credit card and related plans 225.4 222.9 221.0 215.3 224.4 231.2 232.0 231.6 232.6 235.9 241.7 243.9 10d Other 335.9 345.3 343.4 343.5 346.9 351.1 353.4 356.6 356.5 357.4 357.9 358.6 11 Security (4) 79.3 83.6 84.7 85.4 84.5 87.1 87.7 83.4 80.6 78.7 101.1 88.3 12 Other loans and leases 371.2 336.0 338.4 332.1 334.5 340.2 339.4 341.7 344.9 341.2 351.5 354.3 13 Interbank loans 264.7 261.5 264.3 265.3 280.7 288.8 296.5 305.5 305.7 298.2 315.3 307.1 14 Cash assets (5) 265.6 255.0 255.5 256.1 258.7 268.0 274.7 281.6 269.4 282.7 288.7 299.6 15 Other assets (6) 460.4 455.4 447.2 454.4 468.3 472.3 476.7 481.8 475.1 484.9 472.2 495.0 16 TOTAL ASSETS (7) 5,792.7 5,797.2 5,824.2 5,857.4 5,968.6 6,062.1 6,122.4 6,223.0 6,217.8 6,262.2 6,282.8 6,316.9 L I A B I L I T I E S 17 Deposits 3,784.1 3,841.4 3,861.8 3,895.0 3,933.0 3,967.4 4,008.8 4,067.8 4,085.7 4,069.7 4,086.0 4,109.5 18 Transaction 630.9 590.7 584.3 594.9 574.0 567.6 596.3 602.2 582.5 579.2 626.7 648.7 19 Nontransaction 3,153.2 3,250.8 3,277.5 3,300.1 3,359.1 3,399.8 3,412.4 3,465.6 3,503.2 3,490.5 3,459.4 3,460.8 20 Large time 569.2 548.3 543.0 560.2 568.3 571.7 579.0 577.3 572.7 572.6 578.0 576.8 21 Other 2,584.0 2,702.4 2,734.4 2,739.9 2,790.8 2,828.1 2,833.5 2,888.3 2,930.5 2,917.9 2,881.3 2,884.0 22 Borrowings 1,045.5 1,052.3 1,032.1 1,020.4 1,058.8 1,095.6 1,100.7 1,112.6 1,092.0 1,123.1 1,128.3 1,115.1 23 From banks in the U.S. 375.1 361.0 350.1 361.4 378.3 386.9 390.6 392.9 385.4 395.9 387.7 387.0 24 From others 670.3 691.3 682.0 659.0 680.5 708.7 710.1 719.6 706.6 727.2 740.6 728.1 25 Net due to related foreign offices 193.9 179.6 174.5 175.8 178.7 183.6 192.5 201.5 212.1 219.9 208.9 208.9 26 Other liabilities 329.2 272.1 298.9 310.4 332.0 342.2 341.1 351.8 336.9 350.6 357.0 381.5 27 TOTAL LIABILITIES 5,352.7 5,345.4 5,367.3 5,401.7 5,502.6 5,588.8 5,643.1 5,733.6 5,726.7 5,763.3 5,780.3 5,815.1 28 Residual (assets less liabilities) (8) 440.1 451.8 457.0 455.7 466.0 473.3 479.2 489.4 491.1 498.9 502.5 501.8 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,650.5 2,582.5 2,601.6 2,635.3 2,683.2 2,720.0 2,733.6 2,787.4 2,786.6 2,815.6 2,810.6 2,827.3 2 Securities in bank credit 652.2 664.1 683.6 713.2 736.6 745.4 743.3 779.7 769.4 790.0 769.3 791.3 3 Treasury and Agency securities (2) 371.0 390.5 400.1 410.9 427.5 432.0 435.2 455.4 458.2 463.5 442.3 448.6 3a Trading account 40.5 43.0 42.4 43.1 48.0 42.6 37.8 48.1 47.6 47.6 41.7 42.5 3b Investment account 330.5 347.5 357.8 367.9 379.5 389.3 397.5 407.4 410.6 416.0 400.7 406.1 4 Other securities 281.2 273.6 283.5 302.3 309.1 313.5 308.0 324.3 311.1 326.4 327.0 342.7 4a Trading account 165.4 140.5 148.3 168.8 174.5 172.7 161.5 171.8 158.0 170.7 171.2 184.7 4b Investment account 115.8 133.1 135.2 133.5 134.6 140.8 146.5 152.5 153.1 155.8 155.8 158.1 4c State and local government 27.1 26.9 27.3 28.3 28.0 28.4 28.7 29.1 29.0 29.3 29.5 29.7 4d Other 88.7 106.2 107.8 105.3 106.5 112.4 117.8 123.3 124.1 126.5 126.3 128.3 5 Loans and leases in bank credit (3) 1,998.3 1,918.4 1,918.0 1,922.0 1,946.7 1,974.5 1,990.3 2,007.6 2,017.2 2,025.6 2,041.3 2,036.0 6 Commercial and industrial 547.1 504.7 500.5 489.2 488.2 484.6 482.9 481.2 481.0 479.7 480.0 480.2 7 Real estate 862.7 848.8 861.9 882.0 901.0 921.9 941.4 964.9 975.9 989.5 980.3 983.1 8 Revolving home equity 96.8 112.4 116.9 121.6 124.6 126.8 129.5 131.7 133.3 134.6 136.1 135.9 9 Other 765.9 736.4 745.0 760.4 776.5 795.1 811.8 833.2 842.6 854.9 844.2 847.2 10 Consumer 247.2 246.6 242.4 243.1 248.6 254.1 255.1 254.7 253.6 253.7 253.8 253.7 11 Security (4) 69.4 81.6 76.7 78.9 77.6 77.9 77.1 72.7 70.2 67.5 85.8 77.4 11a Fed funds and RPs with broker/dealer 54.7 69.4 64.7 66.4 66.3 67.9 66.8 62.0 60.3 56.7 75.8 66.0 11b Other 14.7 12.3 12.0 12.5 11.3 10.0 10.3 10.7 9.9 10.8 10.1 11.4 12a State and local government 15.7 13.0 13.0 12.8 12.9 13.0 12.9 12.1 12.0 11.8 11.8 11.7 12b Agricultural 10.0 9.2 9.1 9.0 8.2 8.2 8.1 8.1 8.1 8.1 8.1 8.1 12c Fed funds and RPs with others 31.1 19.1 17.6 13.7 16.6 19.8 19.2 18.5 19.6 19.6 26.2 26.9 12d All other loans 79.0 67.6 70.0 67.1 67.5 69.2 69.4 72.4 74.0 73.4 73.2 73.3 12e Lease financing receivables 136.1 127.8 126.8 126.3 126.1 125.9 124.2 123.0 122.7 122.3 122.1 121.7 13 Interbank loans 157.0 171.5 163.4 164.9 176.5 182.0 181.6 180.2 174.8 172.4 182.4 186.8 13a Fed funds and RPs with banks 94.7 87.2 77.2 77.2 86.8 89.2 84.0 87.3 83.2 79.3 90.7 86.7 13b Other 62.2 84.2 86.2 87.7 89.7 92.8 97.6 92.9 91.6 93.1 91.7 100.1 14 Cash assets (5) 151.2 141.3 143.2 142.5 146.9 144.3 144.1 145.0 134.3 154.0 142.6 157.1 15 Other assets (6) 330.2 308.4 303.0 310.5 321.6 319.4 328.0 327.9 316.7 330.3 323.1 327.6 16 TOTAL ASSETS (7) 3,248.2 3,159.2 3,167.1 3,209.2 3,284.9 3,322.8 3,344.3 3,397.3 3,369.4 3,429.2 3,415.6 3,455.7 ------------------------------------------------- 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) January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,807.1 1,814.7 1,817.5 1,846.8 1,872.5 1,883.2 1,899.5 1,924.0 1,926.4 1,924.0 1,930.3 1,960.6 18 Transaction 323.4 291.1 286.7 292.2 282.4 268.3 286.9 282.5 268.5 271.8 289.7 310.7 19 Nontransaction 1,483.8 1,523.6 1,530.8 1,554.6 1,590.2 1,614.9 1,612.6 1,641.5 1,657.9 1,652.2 1,640.6 1,649.9 20 Large time 255.3 249.2 244.3 261.5 268.3 271.8 272.7 267.2 260.1 258.3 264.4 266.0 21 Other 1,228.5 1,274.4 1,286.5 1,293.1 1,321.9 1,343.1 1,339.9 1,374.3 1,397.7 1,393.9 1,376.2 1,383.9 22 Borrowings 666.8 658.0 643.2 636.6 670.3 672.6 669.3 680.0 655.7 699.6 681.3 670.6 23 From banks in the U.S. 209.2 190.0 181.7 191.3 201.0 206.6 205.4 210.7 198.7 209.0 191.4 187.7 24 From others 457.5 468.0 461.5 445.3 469.3 466.0 463.8 469.3 457.0 490.6 489.9 482.9 25 Net due to related foreign offices 178.8 168.3 164.0 171.2 171.2 175.4 179.5 185.5 196.4 202.3 193.1 190.8 26 Other liabilities 258.5 198.3 225.3 241.7 255.0 262.0 258.5 261.5 249.7 259.8 268.8 289.9 27 TOTAL LIABILITIES 2,911.2 2,839.3 2,850.0 2,896.3 2,969.0 2,993.2 3,006.8 3,051.0 3,028.1 3,085.7 3,073.5 3,111.9 28 Residual (assets less liabilities) (8) 336.9 319.9 317.1 312.9 315.9 329.5 337.5 346.2 341.3 343.5 342.2 343.7 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,658.1 2,582.5 2,601.8 2,620.0 2,669.9 2,714.4 2,732.2 2,795.4 2,803.0 2,824.1 2,827.6 2,835.0 2 Securities in bank credit 656.0 662.1 680.0 701.2 730.3 742.8 743.8 784.1 780.5 796.6 774.6 791.1 3 Treasury and Agency securities (2) 371.8 389.0 397.9 404.7 423.6 429.5 432.6 456.5 465.6 467.9 446.1 446.8 3a Trading account 40.6 42.8 42.2 42.4 47.6 42.4 37.6 48.2 48.4 48.0 42.0 42.3 3b Investment account 331.2 346.2 355.7 362.3 376.0 387.1 395.1 408.3 417.2 419.8 404.1 404.5 3c Mortgage-backed 266.6 272.0 277.5 287.3 304.5 308.0 312.9 324.4 332.4 327.8 303.8 301.8 3d Other 64.6 74.1 78.2 75.0 71.4 79.1 82.2 83.8 84.9 92.0 100.3 102.7 3e 1 year or less 18.5 16.1 14.9 18.7 17.4 19.9 21.8 23.2 22.2 22.1 26.6 27.6 3f Between 1 and 5 years 31.2 45.1 50.0 43.7 42.2 46.3 49.9 47.1 46.8 54.0 57.8 58.7 3g More than 5 years 14.9 12.9 13.3 12.7 11.8 12.9 10.4 13.5 15.8 15.9 15.9 16.5 4 Other securities 284.2 273.1 282.1 296.5 306.7 313.2 311.2 327.7 314.9 328.7 328.5 344.2 4a Trading account 167.1 140.2 147.5 165.5 173.1 172.6 163.2 173.6 159.9 171.8 172.0 185.5 4b Investment account 117.1 132.9 134.5 131.0 133.6 140.7 148.0 154.0 155.0 156.9 156.6 158.8 4c State and local government 27.4 26.9 27.2 27.7 27.8 28.4 29.0 29.4 29.4 29.5 29.6 29.9 4d Other 89.6 106.0 107.3 103.3 105.7 112.3 119.0 124.6 125.7 127.3 126.9 128.9 5 Loans and leases in bank credit (3) 2,002.1 1,920.4 1,921.8 1,918.7 1,939.6 1,971.6 1,988.4 2,011.3 2,022.5 2,027.5 2,052.9 2,044.0 6 Commercial and industrial 548.0 508.1 501.8 488.9 485.7 484.3 483.6 482.1 480.1 475.2 478.0 478.6 7 Real estate 864.5 852.2 863.8 882.2 901.5 922.3 940.2 966.9 979.1 993.7 981.7 983.2 8 Revolving home equity 96.9 112.9 117.3 121.9 124.9 127.3 129.5 131.9 133.3 134.3 135.8 135.3 9a Other residential 451.2 426.1 435.1 448.7 464.4 482.2 495.3 518.6 529.6 543.4 529.7 532.3 9b Commercial 316.3 313.2 311.4 311.6 312.1 312.8 315.4 316.4 316.2 316.0 316.2 315.6 10 Consumer 246.0 247.3 242.3 241.2 246.4 251.6 252.2 253.4 253.9 254.8 256.8 258.4 10a Credit card and related plans 78.3 74.4 72.1 70.9 73.6 75.9 74.8 73.0 73.1 73.4 75.2 76.9 10f Other 167.6 172.8 170.2 170.3 172.8 175.6 177.4 180.4 180.8 181.4 181.6 181.6 11 Security (4) 71.3 76.6 77.4 77.8 76.5 79.1 79.4 74.7 71.8 70.0 92.6 79.9 11a Fed funds and RPs with broker/dealer 56.2 65.0 65.3 65.5 65.3 69.0 68.8 63.7 61.7 58.9 81.7 68.1 11b Other 15.1 11.5 12.1 12.3 11.2 10.1 10.6 11.0 10.1 11.2 10.9 11.8 12a State and local government 15.7 13.0 13.0 12.8 12.9 13.0 12.9 12.1 12.0 11.8 11.8 11.7 12b Agricultural 9.9 9.3 9.3 9.2 8.2 8.2 8.0 8.0 8.0 8.0 8.0 8.0 12c Fed funds and RPs with others 31.5 19.1 17.6 13.7 16.6 19.8 19.2 18.5 19.6 19.6 26.2 26.9 12d All other loans 79.5 67.0 70.4 67.3 67.0 69.4 69.3 72.9 75.4 72.1 75.7 75.2 12e Lease financing receivables 135.7 127.8 126.4 125.6 124.8 124.0 123.6 122.7 122.5 122.2 122.1 122.2 13 Interbank loans 158.6 172.6 168.5 164.0 171.9 177.0 177.2 182.0 179.7 173.1 191.7 185.6 13a Fed funds and RPs with banks 95.7 87.8 79.5 76.8 84.6 86.8 82.0 88.2 85.5 79.6 95.3 86.2 13b Other 62.9 84.8 88.9 87.2 87.3 90.2 95.2 93.9 94.2 93.5 96.4 99.4 14 Cash assets (5) 154.3 140.8 139.1 137.1 137.9 141.6 145.0 147.9 138.6 151.4 155.6 165.4 15 Other assets (6) 331.6 308.0 302.5 310.4 319.3 321.4 327.4 329.3 319.9 328.0 325.2 328.7 16 TOTAL ASSETS (7) 3,261.8 3,159.5 3,167.7 3,187.6 3,255.6 3,311.2 3,339.2 3,411.4 3,397.7 3,433.1 3,456.6 3,471.6 ------------------------------------------------- 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) January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,816.1 1,809.2 1,816.0 1,838.7 1,856.1 1,874.5 1,896.5 1,933.1 1,943.6 1,929.9 1,947.7 1,963.8 18 Transaction 326.9 288.3 285.2 287.2 270.9 263.9 282.9 285.5 274.5 270.4 306.4 327.1 19 Nontransaction 1,489.2 1,521.0 1,530.8 1,551.5 1,585.2 1,610.6 1,613.6 1,647.6 1,669.1 1,659.4 1,641.3 1,636.7 20 Large time 258.7 247.3 243.5 259.3 266.6 269.3 274.0 270.8 265.1 263.2 268.4 267.2 21 Other 1,230.5 1,273.7 1,287.3 1,292.2 1,318.6 1,341.3 1,339.6 1,376.8 1,404.0 1,396.2 1,373.0 1,369.5 22 Borrowings 669.8 664.4 642.3 626.6 650.2 670.0 671.2 683.2 659.1 686.4 688.1 668.5 23 From banks in the U.S. 206.5 191.3 179.3 187.3 195.8 199.8 203.7 207.9 198.8 206.9 195.0 189.3 24 From others 463.3 473.2 463.1 439.4 454.4 470.2 467.5 475.2 460.2 479.5 493.1 479.2 25 Net due to related foreign offices 183.5 168.0 162.8 166.0 170.2 175.0 180.2 190.2 199.9 206.9 196.4 196.4 26 Other liabilities 264.8 197.8 223.7 235.1 253.4 261.5 259.4 267.9 254.1 265.6 273.3 297.9 27 TOTAL LIABILITIES 2,934.2 2,839.5 2,844.8 2,866.5 2,929.9 2,981.0 3,007.3 3,074.3 3,056.6 3,088.8 3,105.5 3,126.6 28 Residual (assets less liabilities) (8) 327.6 320.0 322.9 321.2 325.7 330.2 331.9 337.1 341.0 344.3 351.1 345.0 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,210.1 2,320.5 2,333.4 2,341.6 2,368.7 2,391.4 2,411.5 2,428.4 2,434.4 2,438.1 2,442.0 2,434.5 2 Securities in bank credit 602.2 640.3 640.6 639.9 646.1 650.3 654.3 658.7 663.6 661.4 662.3 659.4 3 Treasury and Agency securities (2) 384.9 429.4 432.6 430.9 436.3 443.8 447.6 452.3 456.2 454.2 453.5 453.1 4 Other securities 217.3 210.9 208.0 209.0 209.8 206.5 206.8 206.5 207.4 207.3 208.8 206.4 5 Loans and leases in bank credit (3) 1,608.0 1,680.1 1,692.8 1,701.7 1,722.6 1,741.1 1,757.2 1,769.7 1,770.9 1,776.7 1,779.6 1,775.1 6 Commercial and industrial 297.4 299.8 300.1 301.8 304.3 305.6 306.3 307.4 307.9 307.6 307.9 308.3 7 Real estate 892.0 949.7 958.1 968.4 980.8 994.1 1,006.4 1,015.1 1,016.7 1,020.5 1,020.9 1,013.7 8 Revolving home equity 55.8 67.2 69.2 71.3 73.1 74.3 75.5 76.1 76.5 76.5 77.0 76.9 9 Other 836.2 882.5 888.9 897.1 907.7 919.8 930.9 939.1 940.3 943.9 943.9 936.8 10 Consumer 311.6 323.3 326.2 321.6 326.2 328.7 329.7 331.0 331.1 333.3 335.2 334.1 11 Security (4) 7.7 7.2 7.5 7.7 8.0 8.2 8.4 8.3 8.2 8.2 8.3 8.6 12 Other loans and leases 99.2 100.1 101.0 102.2 103.3 104.5 106.4 107.9 107.0 107.1 107.3 110.4 13 Interbank loans 104.1 93.5 98.8 106.2 110.7 114.7 120.3 121.4 117.5 117.8 120.3 125.3 14 Cash assets (5) 107.4 114.9 118.0 120.9 124.7 126.9 129.2 129.1 125.4 132.2 126.3 129.9 15 Other assets (6) 128.8 147.3 144.8 144.0 148.9 150.9 149.3 152.5 155.2 156.9 147.0 166.3 16 TOTAL ASSETS (7) 2,519.9 2,645.2 2,663.8 2,681.8 2,721.7 2,752.1 2,778.3 2,799.3 2,800.5 2,812.6 2,802.9 2,823.4 L I A B I L I T I E S 17 Deposits 1,961.2 2,038.8 2,054.7 2,068.4 2,093.0 2,104.2 2,117.0 2,127.6 2,123.4 2,122.3 2,118.0 2,128.8 18 Transaction 301.6 307.2 300.3 310.1 306.7 305.6 314.7 314.2 302.1 306.8 312.0 312.6 19 Nontransaction 1,659.7 1,731.7 1,754.4 1,758.3 1,786.2 1,798.6 1,802.3 1,813.4 1,821.3 1,815.5 1,806.0 1,816.3 20 Large time 310.5 301.0 299.5 300.9 301.7 302.5 305.0 306.6 307.6 309.4 309.7 309.6 21 Other 1,349.2 1,430.7 1,454.8 1,457.4 1,484.6 1,496.1 1,497.2 1,506.8 1,513.7 1,506.1 1,496.3 1,506.6 22 Borrowings 375.6 387.9 389.8 393.8 408.6 425.6 429.5 429.4 433.0 436.7 440.2 446.5 23 From banks in the U.S. 168.6 169.8 170.8 174.1 182.5 187.1 186.9 185.0 186.6 189.0 192.7 197.6 24 From others 207.0 218.1 218.9 219.7 226.2 238.5 242.5 244.4 246.3 247.7 247.4 248.9 25 Net due to related foreign offices 10.4 11.6 11.7 9.8 8.5 8.6 12.3 11.3 12.2 13.0 12.6 12.6 26 Other liabilities 64.4 74.2 75.2 75.4 78.7 80.7 81.7 83.9 82.8 85.0 83.8 83.7 27 TOTAL LIABILITIES 2,411.7 2,512.6 2,531.4 2,547.3 2,588.7 2,619.1 2,640.5 2,652.1 2,651.3 2,657.0 2,654.4 2,671.5 28 Residual (assets less liabilities) (8) 108.2 132.6 132.4 134.5 133.0 133.0 137.8 147.2 149.1 155.6 148.5 151.9 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,215.3 2,318.3 2,330.7 2,336.3 2,365.8 2,393.4 2,416.9 2,434.2 2,440.3 2,448.3 2,455.1 2,455.7 2 Securities in bank credit 602.0 639.5 640.1 637.8 643.8 649.2 653.1 658.6 664.1 664.0 665.3 664.2 3 Treasury and Agency securities (2) 384.8 428.6 432.1 428.8 434.0 442.7 446.4 452.1 456.7 456.7 456.5 457.9 4 Other securities 217.3 210.9 208.0 209.0 209.8 206.5 206.8 206.5 207.4 207.3 208.8 206.4 5 Loans and leases in bank credit (3) 1,613.3 1,678.8 1,690.6 1,698.5 1,722.0 1,744.2 1,763.7 1,775.6 1,776.2 1,784.3 1,789.9 1,791.5 6 Commercial and industrial 296.4 302.2 302.2 302.4 302.8 303.9 306.1 306.4 306.7 306.7 307.8 309.5 7 Real estate 894.7 948.9 957.2 967.5 981.5 995.8 1,009.6 1,018.2 1,018.1 1,023.0 1,023.0 1,019.1 8 Revolving home equity 56.3 67.0 69.0 70.9 72.9 74.7 76.1 76.7 76.9 77.1 77.6 77.8 9 Other 838.4 881.9 888.2 896.6 908.6 921.0 933.6 941.6 941.3 946.0 945.4 941.3 10 Consumer 315.3 320.9 322.2 317.6 324.9 330.7 333.2 334.8 335.2 338.4 342.8 344.1 10a Credit card and related plans 147.1 148.4 148.9 144.4 150.8 155.2 157.2 158.6 159.5 162.5 166.5 167.0 10h Other 168.2 172.4 173.2 173.2 174.2 175.5 176.0 176.3 175.7 175.9 176.3 177.1 11 Security (4) 8.0 7.0 7.3 7.6 7.9 8.0 8.3 8.6 8.8 8.7 8.6 8.5 12 Other loans and leases 98.9 99.8 101.8 103.5 104.9 105.8 106.4 107.5 107.3 107.4 107.7 110.3 13 Interbank loans 106.1 88.9 95.8 101.3 108.8 111.8 119.3 123.5 126.0 125.1 123.6 121.5 14 Cash assets (5) 111.2 114.3 116.4 119.0 120.9 126.5 129.7 133.6 130.8 131.3 133.1 134.2 15 Other assets (6) 128.8 147.3 144.8 144.0 148.9 150.9 149.3 152.5 155.2 156.9 147.0 166.3 16 TOTAL ASSETS (7) 2,530.9 2,637.7 2,656.5 2,669.7 2,713.1 2,750.9 2,783.1 2,811.6 2,820.2 2,829.1 2,826.2 2,845.3 L I A B I L I T I E S 17 Deposits 1,968.0 2,032.2 2,045.8 2,056.3 2,077.0 2,092.9 2,112.3 2,134.7 2,142.1 2,139.8 2,138.3 2,145.8 18 Transaction 304.0 302.4 299.2 307.7 303.1 303.7 313.4 316.7 308.0 308.8 320.3 321.6 19 Nontransaction 1,664.0 1,729.8 1,746.7 1,748.6 1,773.9 1,789.3 1,798.9 1,818.1 1,834.1 1,831.0 1,818.0 1,824.1 20 Large time 310.5 301.0 299.5 300.9 301.7 302.5 305.0 306.6 307.6 309.4 309.7 309.6 21 Other 1,353.5 1,428.8 1,447.1 1,447.8 1,472.2 1,486.8 1,493.9 1,511.5 1,526.5 1,521.7 1,508.4 1,514.5 22 Borrowings 375.6 387.9 389.8 393.8 408.6 425.6 429.5 429.4 433.0 436.7 440.2 446.5 23 From banks in the U.S. 168.6 169.8 170.8 174.1 182.5 187.1 186.9 185.0 186.6 189.0 192.7 197.6 24 From others 207.0 218.1 218.9 219.7 226.2 238.5 242.5 244.4 246.3 247.7 247.4 248.9 25 Net due to related foreign offices 10.4 11.6 11.7 9.8 8.5 8.6 12.3 11.3 12.2 13.0 12.6 12.6 26 Other liabilities 64.4 74.2 75.2 75.4 78.7 80.7 81.7 83.9 82.8 85.0 83.8 83.7 27 TOTAL LIABILITIES 2,418.5 2,505.9 2,522.5 2,535.2 2,572.7 2,607.8 2,635.8 2,659.3 2,670.1 2,674.5 2,674.8 2,688.5 28 Residual (assets less liabilities) (8) 112.4 131.8 134.0 134.5 140.4 143.1 147.3 152.3 150.1 154.6 151.4 156.8 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 599.8 595.7 605.6 614.2 620.8 617.6 608.5 620.7 617.8 651.3 642.9 647.9 2 Securities in bank credit 240.5 231.1 238.3 241.2 250.0 246.6 240.2 248.9 245.8 267.5 264.5 265.0 3 Treasury and Agency securities (2) 84.0 73.4 76.1 76.4 81.8 86.2 86.2 92.8 91.2 107.2 101.3 101.6 4 Other securities 156.5 157.7 162.2 164.8 168.1 160.4 154.0 156.1 154.6 160.3 163.2 163.4 5 Loans and leases in bank credit (3) 359.3 364.6 367.3 373.0 370.8 371.0 368.3 371.8 372.0 383.8 378.4 383.0 6 Commercial and industrial 196.0 196.7 193.1 191.2 189.9 185.5 181.2 179.1 181.0 180.7 178.1 179.4 7 Real estate 17.7 18.1 18.4 18.8 18.8 19.0 19.5 19.8 19.2 19.6 19.5 19.4 11 Security (4) 77.6 80.3 85.5 90.8 90.4 94.5 96.6 105.1 106.5 117.3 117.7 122.4 12 Other loans and leases 68.0 69.5 70.3 72.1 71.7 72.0 70.9 67.8 65.3 66.2 63.2 61.7 13 Interbank loans 25.2 23.4 20.2 17.5 18.5 21.8 25.4 26.6 26.7 36.7 30.9 34.1 14 Cash assets (5) 38.4 45.3 45.5 46.0 46.5 46.0 45.3 41.0 40.2 40.4 47.6 46.1 15 Other assets (6) 36.0 26.3 27.8 29.4 29.0 28.1 33.1 38.1 37.7 44.4 39.0 38.7 16 TOTAL ASSETS (7) 698.9 690.4 698.8 706.8 714.4 713.1 711.9 726.0 722.0 772.3 759.9 766.4 L I A B I L I T I E S 17 Deposits 429.7 505.1 505.2 498.9 495.1 486.0 466.1 448.5 443.0 431.9 424.9 420.7 18 Transaction 10.8 10.6 10.3 9.9 10.1 10.1 9.8 9.5 9.1 9.0 9.3 9.5 19 Nontransaction 418.9 494.6 494.9 489.0 485.0 475.9 456.3 439.1 433.8 422.9 415.6 411.3 22 Borrowings 208.7 189.4 192.9 201.3 213.8 223.3 229.4 254.5 254.7 290.2 287.6 294.5 23 From banks in the U.S. 23.6 21.0 21.3 20.8 21.6 22.7 23.1 25.5 29.4 25.6 30.3 33.0 24 From others 185.0 168.4 171.6 180.5 192.1 200.6 206.3 229.0 225.3 264.6 257.3 261.5 25 Net due to related foreign offices -19.9 -90.9 -86.1 -81.8 -85.6 -83.8 -72.6 -74.9 -73.6 -51.9 -55.2 -61.2 26 Other liabilities 81.9 76.5 85.5 90.9 96.8 92.2 96.9 99.1 98.8 101.6 101.0 99.8 27 TOTAL LIABILITIES 700.3 680.1 697.5 709.3 720.0 717.7 719.8 727.2 722.9 771.8 758.4 753.8 28 Residual (assets less liabilities) (8) -1.4 10.3 1.3 -2.5 -5.6 -4.6 -7.9 -1.2 -0.9 0.5 1.5 12.6 ------------------------------------------------- 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 January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 602.5 591.8 602.6 608.1 614.6 614.3 608.5 623.5 620.8 659.8 652.3 657.2 2 Securities in bank credit (2) 240.5 231.1 238.3 241.2 250.0 246.6 240.2 248.9 245.8 267.5 264.5 265.0 3 Treasury and Agency securities 84.0 73.4 76.1 76.4 81.8 86.2 86.2 92.8 91.2 107.2 101.3 101.6 3a Trading account 14.9 10.1 10.4 10.7 13.0 14.6 14.9 20.2 19.1 35.2 30.2 32.0 3b Investment account 69.0 63.3 65.7 65.8 68.8 71.7 71.3 72.7 72.0 72.0 71.1 69.6 4 Other securities 156.5 157.7 162.2 164.8 168.1 160.4 154.0 156.1 154.6 160.3 163.2 163.4 4a Trading account 105.0 99.0 103.5 108.4 109.8 103.5 98.5 99.3 95.4 98.5 99.4 99.5 4b Investment account 51.6 58.7 58.7 56.4 58.4 56.8 55.5 56.8 59.2 61.8 63.8 63.9 5 Loans and leases in bank credit (3) 362.0 360.7 364.3 366.9 364.6 367.7 368.3 374.6 375.0 392.2 387.8 392.2 6 Commercial and industrial 197.6 194.4 191.9 189.9 188.3 185.4 181.9 180.6 181.7 180.5 179.4 182.0 7 Real estate 17.7 18.1 18.4 18.8 18.8 19.0 19.5 19.8 19.2 19.6 19.5 19.4 11 Security (4) 78.5 79.1 84.0 87.4 87.1 91.7 96.7 106.4 108.0 125.1 124.3 126.7 12 Other loans and leases 68.1 69.0 70.0 70.8 70.4 71.6 70.1 67.8 66.1 67.1 64.6 64.1 13 Interbank loans 25.2 23.4 20.2 17.5 18.5 21.8 25.4 26.6 26.7 36.7 30.9 34.1 14 Cash assets (5) 40.7 43.8 43.5 44.1 45.1 46.0 46.3 43.4 42.8 42.1 50.7 49.3 15 Other assets (6) 35.7 26.4 26.6 28.3 28.6 28.6 32.5 37.9 38.5 46.1 40.0 39.5 16 TOTAL ASSETS (7) 703.7 685.0 692.6 697.7 706.4 710.3 712.2 731.0 728.4 784.3 773.4 779.6 L I A B I L I T I E S 17 Deposits 433.2 510.2 503.4 489.8 480.6 474.0 458.7 452.1 449.7 442.2 435.9 436.7 18 Transaction 11.0 10.2 10.1 9.8 9.8 10.3 9.9 9.6 9.4 9.3 10.1 10.2 19 Nontransaction 422.2 500.0 493.3 480.0 470.8 463.7 448.8 442.5 440.3 433.0 425.8 426.5 22 Borrowings 208.7 189.4 192.9 201.3 213.8 223.3 229.4 254.5 254.7 290.2 287.6 294.5 23 From banks in the U.S. 23.6 21.0 21.3 20.8 21.6 22.7 23.1 25.5 29.4 25.6 30.3 33.0 24 From others 185.0 168.4 171.6 180.5 192.1 200.6 206.3 229.0 225.3 264.6 257.3 261.5 25 Net due to related foreign offices -21.3 -91.0 -88.8 -85.8 -87.6 -82.8 -73.9 -76.0 -75.5 -51.8 -54.0 -56.6 26 Other liabilities 81.3 76.4 84.1 88.7 95.6 92.8 96.1 98.4 97.5 101.7 101.9 103.0 27 TOTAL LIABILITIES 701.8 685.0 691.6 694.0 702.4 707.3 710.3 729.0 726.4 782.3 771.4 777.7 28 Residual (assets less liabilities) (8) 1.8 -0.1 1.0 3.7 3.9 3.0 1.9 2.0 2.0 2.0 2.0 2.0 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars January 3, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 4 Dec 11 Dec 18 Dec 25 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 106.0 80.8 92.9 105.8 112.3 119.1 110.9 117.1 106.5 120.7 118.8 130.9 30 Reval. losses on off-bal. sheet items (9) 86.5 61.7 75.2 89.2 93.7 100.0 93.7 100.6 89.7 101.3 101.3 112.7 31 Mortgage-backed securities (10) 289.7 306.2 312.6 320.0 338.1 343.5 354.8 370.0 378.0 374.0 350.1 347.6 31a Pass-through 204.8 210.4 224.6 236.3 253.4 254.7 261.3 274.2 277.3 274.9 254.1 251.9 31b CMO, REMIC, and other 85.0 95.8 88.0 83.7 84.8 88.9 93.5 95.8 100.7 99.1 96.0 95.8 32 Net unrealized gains (losses) on available-for-sale securities (11) 9.7 4.3 6.7 8.3 9.1 11.5 12.5 11.8 10.1 10.9 11.7 14.4 33 Offshore credit to U.S. residents (12) 19.2 19.6 19.6 19.1 19.0 19.0 18.4 18.5 18.6 18.7 19.1 19.1 34 Securitized consumer loans (13) 103.3 98.5 102.5 106.3 104.4 103.6 105.0 108.0 109.3 109.2 109.2 108.7 34a Credit card and related plans 91.8 87.0 90.3 91.2 89.3 88.9 90.7 93.5 94.9 94.9 95.0 94.5 34b Other 11.5 11.5 12.2 15.1 15.1 14.7 14.3 14.5 14.4 14.3 14.2 14.2 35 Securitized business loans (13) 20.6 17.1 16.9 17.1 17.8 17.7 17.5 17.1 17.0 17.0 16.9 16.8 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 264.2 298.6 299.1 297.3 298.9 304.4 307.1 309.0 310.7 311.3 309.9 310.6 34 Securitized consumer loans (13) 238.3 242.8 243.9 239.9 238.3 235.9 235.0 236.6 236.6 236.9 238.7 241.3 34a Credit card and related plans 229.6 235.2 236.9 236.3 235.2 232.9 231.8 233.4 233.5 233.9 235.4 238.4 34b Other 8.7 7.6 7.0 3.6 3.1 3.0 3.3 3.2 3.1 3.1 3.3 2.9 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 61.5 50.0 55.2 61.5 65.1 62.0 58.9 63.0 60.6 62.7 63.5 64.3 30 Reval. losses on off-bal. sheet items (9) 54.1 42.8 49.3 57.4 64.8 61.2 58.5 60.4 58.1 59.2 59.2 59.5 35 Securitized business loans (13) 13.3 10.5 9.9 9.4 9.1 8.1 7.6 7.3 7.1 7.0 7.0 6.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 January 3, 2003 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.