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 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,451.0 5,540.6 5,591.1 5,672.8 5,729.9 5,758.7 5,836.7 5,885.5 5,905.2 5,895.6 5,910.1 5,853.0 2 Securities in bank credit 1,496.8 1,562.5 1,594.4 1,632.7 1,643.2 1,642.6 1,687.5 1,713.8 1,719.1 1,696.3 1,722.2 1,741.8 3 Treasury and Agency securities (2) 855.9 908.9 918.3 945.7 962.4 971.7 1,000.6 1,011.8 1,025.0 997.0 1,009.6 1,020.2 4 Other securities 640.9 653.6 676.1 687.0 680.7 671.0 686.9 702.1 694.1 699.3 712.6 721.6 5 Loans and leases in bank credit (3) 3,954.2 3,978.1 3,996.7 4,040.1 4,086.7 4,116.1 4,149.2 4,171.7 4,186.1 4,199.4 4,187.9 4,111.3 6 Commercial and industrial 1,031.6 993.6 982.2 982.3 975.7 970.5 967.8 966.1 968.0 966.0 967.9 959.4 7 Real estate 1,784.5 1,838.4 1,869.2 1,900.7 1,935.0 1,967.3 1,999.9 2,020.3 2,029.6 2,020.7 2,016.7 2,018.9 8 Revolving home equity 155.5 186.1 192.9 197.7 201.0 205.0 207.8 212.4 211.2 213.2 212.8 214.4 9 Other 1,628.9 1,652.4 1,676.3 1,703.0 1,734.0 1,762.3 1,792.1 1,807.9 1,818.4 1,807.6 1,803.9 1,804.5 10 Consumer 557.8 568.6 564.7 574.8 582.8 584.8 585.6 587.1 587.0 589.2 588.0 585.5 11 Security (4) 146.2 169.7 177.4 176.0 180.7 182.2 186.1 190.9 193.1 211.8 201.8 155.1 12 Other loans and leases 434.1 407.7 403.2 406.3 412.5 411.3 409.8 407.2 408.5 411.6 413.5 392.4 13 Interbank loans 293.1 282.4 288.6 305.6 318.4 327.3 328.3 329.7 326.9 333.6 344.9 317.9 14 Cash assets (5) 297.5 306.7 309.4 318.1 317.2 318.7 315.1 316.6 326.6 316.5 335.2 294.4 15 Other assets (6) 486.3 475.6 484.0 499.5 498.7 512.4 518.4 523.3 531.5 509.1 521.1 542.0 16 TOTAL ASSETS (7) 6,454.5 6,529.7 6,597.8 6,720.9 6,789.2 6,841.7 6,922.7 6,979.4 7,014.3 6,978.6 7,035.3 6,932.6 L I A B I L I T I E S 17 Deposits 4,239.8 4,377.4 4,414.0 4,460.5 4,473.4 4,482.9 4,500.1 4,482.4 4,478.2 4,473.1 4,509.7 4,459.1 18 Transaction 640.9 597.4 612.2 599.1 584.0 611.4 606.2 612.3 587.7 611.0 650.4 619.8 19 Nontransaction 3,598.9 3,780.0 3,801.8 3,861.4 3,889.4 3,871.5 3,893.9 3,870.1 3,890.6 3,862.2 3,859.4 3,839.3 20 Large time 981.2 1,036.1 1,048.1 1,049.2 1,044.3 1,026.4 1,004.4 979.7 981.8 984.7 979.4 962.0 21 Other 2,617.8 2,743.9 2,753.7 2,812.2 2,845.1 2,845.1 2,889.5 2,890.3 2,908.8 2,877.5 2,880.0 2,877.3 22 Borrowings 1,245.5 1,225.9 1,231.7 1,292.7 1,322.2 1,332.5 1,364.1 1,396.8 1,426.6 1,409.3 1,410.5 1,366.9 23 From banks in the U.S. 403.0 373.9 386.2 405.1 416.5 415.5 421.3 417.8 423.6 414.4 416.3 418.6 24 From others 842.5 852.0 845.5 887.6 905.7 917.0 942.8 979.0 1,003.0 994.8 994.2 948.3 25 Net due to related foreign offices 150.1 89.6 99.2 94.1 100.2 118.9 121.9 149.2 163.3 150.4 146.8 143.8 26 Other liabilities 360.8 386.0 408.0 430.4 435.4 440.1 444.5 455.4 446.5 453.6 466.2 471.5 27 TOTAL LIABILITIES 5,996.3 6,078.8 6,152.9 6,277.7 6,331.3 6,374.4 6,430.6 6,483.8 6,514.6 6,486.4 6,533.2 6,441.4 28 Residual (assets less liabilities) (8) 458.2 450.8 444.9 443.2 457.9 467.3 492.1 495.6 499.6 492.2 502.1 491.2 ------------------------------------------------- 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 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,483.8 5,535.1 5,564.4 5,650.3 5,723.0 5,762.7 5,853.3 5,922.3 5,932.3 5,935.1 5,948.1 5,904.5 2 Securities in bank credit 1,504.1 1,558.3 1,580.2 1,624.0 1,639.4 1,641.9 1,691.7 1,722.8 1,728.2 1,704.5 1,726.7 1,754.9 3 Treasury and Agency securities (2) 860.7 906.1 910.0 939.4 958.9 967.9 1,001.5 1,017.5 1,031.9 1,003.7 1,012.6 1,025.0 4 Other securities 643.4 652.2 670.2 684.6 680.5 674.1 690.3 705.4 696.4 700.8 714.1 729.9 5 Loans and leases in bank credit (3) 3,979.6 3,976.7 3,984.2 4,026.3 4,083.6 4,120.7 4,161.5 4,199.5 4,204.1 4,230.6 4,221.4 4,149.6 6 Commercial and industrial 1,031.3 995.8 981.1 976.8 973.5 971.8 969.0 965.9 962.4 965.2 970.0 964.1 7 Real estate 1,788.8 1,839.4 1,868.5 1,901.8 1,937.2 1,969.5 2,005.0 2,025.1 2,036.4 2,024.2 2,022.1 2,022.4 8 Revolving home equity 155.7 186.3 192.7 197.8 202.1 205.6 208.6 212.6 211.4 213.4 213.0 214.2 9 Other 1,633.1 1,653.1 1,675.8 1,704.0 1,735.1 1,763.9 1,796.4 1,812.5 1,825.0 1,810.8 1,809.0 1,808.2 10 Consumer 567.3 564.5 558.8 571.3 582.3 585.4 588.2 597.2 593.2 599.8 602.8 597.6 10a Credit card and related plans 232.0 221.0 215.3 224.4 231.2 232.0 231.6 239.0 235.9 241.7 243.8 238.4 10b Other 335.3 343.4 343.5 346.9 351.1 353.4 356.6 358.1 357.4 358.1 359.0 359.2 11 Security (4) 152.7 168.7 172.8 171.5 178.9 184.6 189.8 199.7 203.8 225.4 208.2 162.6 12 Other loans and leases 439.6 408.3 402.9 404.8 411.7 409.6 409.5 411.5 408.2 415.9 418.2 402.9 13 Interbank loans 299.4 284.5 282.8 299.2 310.6 322.0 332.1 336.6 334.8 346.1 340.0 326.6 14 Cash assets (5) 317.3 299.0 300.2 303.8 314.1 321.0 325.0 337.0 324.8 339.3 351.1 348.5 15 Other assets (6) 489.4 473.9 482.8 496.8 501.2 511.1 519.6 526.7 531.0 512.2 523.0 551.7 16 TOTAL ASSETS (7) 6,516.3 6,516.8 6,555.0 6,675.0 6,773.7 6,841.7 6,954.2 7,046.8 7,046.5 7,056.3 7,086.2 7,056.8 L I A B I L I T I E S 17 Deposits 4,290.4 4,365.2 4,384.9 4,413.7 4,441.4 4,467.8 4,519.9 4,532.0 4,511.9 4,521.9 4,546.2 4,548.2 18 Transaction 669.5 594.4 604.7 583.8 577.9 606.3 611.8 639.7 588.5 636.7 677.1 691.1 19 Nontransaction 3,620.9 3,770.8 3,780.1 3,829.9 3,863.6 3,861.5 3,908.2 3,892.3 3,923.4 3,885.1 3,869.1 3,857.1 20 Large time 995.5 1,033.8 1,037.1 1,033.5 1,029.7 1,020.2 1,011.4 993.7 996.6 998.7 995.6 974.2 21 Other 2,625.4 2,737.0 2,743.0 2,796.4 2,833.9 2,841.3 2,896.7 2,898.5 2,926.9 2,886.4 2,873.6 2,882.9 22 Borrowings 1,245.4 1,225.0 1,221.7 1,272.6 1,319.6 1,334.4 1,367.3 1,396.4 1,413.5 1,416.1 1,408.4 1,372.5 23 From banks in the U.S. 404.6 371.4 382.2 399.9 409.6 413.8 418.5 419.2 421.5 418.0 417.9 422.4 24 From others 840.8 853.6 839.6 872.7 910.0 920.7 948.8 977.2 992.0 998.1 990.5 950.1 25 Net due to related foreign offices 156.9 85.7 90.0 91.1 100.8 118.3 125.5 155.6 168.0 155.0 157.2 152.7 26 Other liabilities 366.4 383.0 399.1 427.6 435.5 440.2 450.1 462.6 452.3 458.9 477.2 480.7 27 TOTAL LIABILITIES 6,059.1 6,058.9 6,095.7 6,205.0 6,297.3 6,360.6 6,462.8 6,546.6 6,545.7 6,551.8 6,589.0 6,554.1 28 Residual (assets less liabilities) (8) 457.2 457.9 459.3 470.0 476.3 481.1 491.4 500.2 500.8 504.4 497.2 502.7 ------------------------------------------------- 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 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,854.8 4,935.0 4,976.9 5,052.0 5,111.4 5,145.2 5,216.0 5,251.1 5,253.9 5,252.7 5,269.3 5,244.7 2 Securities in bank credit 1,255.2 1,324.2 1,353.2 1,382.7 1,395.7 1,397.7 1,438.6 1,450.6 1,451.6 1,431.8 1,457.5 1,475.4 3 Treasury and Agency securities (2) 773.7 832.8 841.9 863.8 875.8 882.9 907.7 910.6 917.8 895.7 908.1 920.0 4 Other securities 481.5 491.5 511.3 518.8 520.0 514.8 530.8 540.0 533.8 536.0 549.3 555.4 5 Loans and leases in bank credit (3) 3,599.6 3,610.8 3,623.7 3,669.3 3,715.6 3,747.5 3,777.4 3,800.5 3,802.3 3,821.0 3,811.8 3,769.3 6 Commercial and industrial 836.2 800.6 790.9 792.4 790.2 789.1 788.6 787.4 787.3 787.9 788.5 784.7 7 Real estate 1,766.7 1,820.0 1,850.4 1,881.8 1,916.0 1,947.8 1,980.1 2,001.0 2,010.0 2,001.3 1,997.3 2,000.1 8 Revolving home equity 155.5 186.1 192.9 197.7 201.0 205.0 207.8 212.4 211.2 213.2 212.8 214.4 9 Other 1,611.2 1,633.9 1,657.5 1,684.1 1,715.0 1,742.8 1,772.3 1,788.5 1,798.8 1,788.1 1,784.5 1,785.6 10 Consumer 557.8 568.6 564.7 574.8 582.8 584.8 585.6 587.1 587.0 589.2 588.0 585.5 11 Security (4) 71.4 84.1 86.6 85.6 86.1 85.5 81.0 80.8 75.7 94.2 86.0 66.6 12 Other loans and leases 367.4 337.5 331.1 334.7 340.5 340.3 342.0 344.1 342.3 348.5 352.0 332.5 13 Interbank loans 272.5 262.2 271.1 287.1 296.6 301.9 301.7 298.0 290.2 302.8 312.0 288.7 14 Cash assets (5) 258.2 261.2 263.4 271.6 271.2 273.3 274.1 273.6 286.2 268.9 289.2 255.6 15 Other assets (6) 456.8 447.8 454.5 470.5 470.3 477.3 480.3 481.2 487.2 470.1 479.0 495.8 16 TOTAL ASSETS (7) 5,769.3 5,830.9 5,891.0 6,006.6 6,074.9 6,122.7 6,196.7 6,228.5 6,241.9 6,218.7 6,273.8 6,210.4 L I A B I L I T I E S 17 Deposits 3,799.3 3,872.2 3,915.2 3,965.5 3,987.4 4,016.5 4,051.6 4,058.6 4,046.3 4,048.2 4,090.9 4,053.4 18 Transaction 629.7 587.1 602.3 589.1 573.9 601.6 596.7 602.8 578.7 601.7 640.9 609.1 19 Nontransaction 3,169.6 3,285.1 3,312.8 3,376.4 3,413.5 3,414.9 3,454.9 3,455.8 3,467.6 3,446.5 3,450.0 3,444.3 20 Large time 554.3 543.8 562.3 569.9 574.3 577.7 573.7 571.0 567.6 574.0 575.2 568.7 21 Other 2,615.3 2,741.3 2,750.5 2,806.5 2,839.2 2,837.2 2,881.2 2,884.9 2,900.0 2,872.6 2,874.8 2,875.6 22 Borrowings 1,047.1 1,033.0 1,030.4 1,078.9 1,098.2 1,098.9 1,109.5 1,113.2 1,136.4 1,121.6 1,116.0 1,089.4 23 From banks in the U.S. 379.1 352.5 365.4 383.5 393.8 392.4 395.7 387.9 398.0 384.1 384.2 386.5 24 From others 668.1 680.4 665.0 695.4 704.4 706.5 713.8 725.3 738.4 737.5 731.8 702.8 25 Net due to related foreign offices 192.5 175.7 181.0 179.7 184.1 191.9 196.8 209.8 215.2 205.6 208.4 210.7 26 Other liabilities 278.8 300.5 317.1 333.6 342.7 340.2 345.4 355.7 344.8 352.5 369.1 372.2 27 TOTAL LIABILITIES 5,317.7 5,381.4 5,443.7 5,557.7 5,612.3 5,647.5 5,703.3 5,737.4 5,742.8 5,728.0 5,784.4 5,725.6 28 Residual (assets less liabilities) (8) 451.6 449.5 447.4 448.9 462.5 475.2 493.4 491.1 499.1 490.6 489.4 484.8 ------------------------------------------------- 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 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,880.1 4,932.5 4,956.3 5,035.7 5,107.9 5,149.2 5,229.8 5,278.8 5,272.5 5,282.8 5,298.2 5,282.6 2 Securities in bank credit 1,262.5 1,320.1 1,339.0 1,374.0 1,392.0 1,397.0 1,442.8 1,459.6 1,460.7 1,440.0 1,462.0 1,488.5 3 Treasury and Agency securities (2) 778.6 830.0 833.6 857.6 872.3 879.1 908.6 916.3 924.7 902.4 911.1 924.8 4 Other securities 484.0 490.1 505.5 516.5 519.7 517.9 534.2 543.3 536.0 537.6 550.8 563.7 5 Loans and leases in bank credit (3) 3,617.5 3,612.4 3,617.3 3,661.7 3,715.9 3,752.2 3,786.9 3,819.2 3,811.8 3,842.8 3,836.2 3,794.1 6 Commercial and industrial 834.3 803.9 791.2 788.5 788.1 789.8 788.5 785.7 782.0 785.8 788.2 786.2 7 Real estate 1,771.1 1,821.0 1,849.8 1,883.0 1,918.1 1,949.9 1,985.2 2,005.8 2,016.8 2,004.7 2,002.7 2,003.6 8 Revolving home equity 155.7 186.3 192.7 197.8 202.1 205.6 208.6 212.6 211.4 213.4 213.0 214.2 9 Other 1,615.4 1,634.7 1,657.0 1,685.2 1,716.1 1,744.3 1,776.6 1,793.2 1,805.4 1,791.3 1,789.6 1,789.4 10 Consumer 567.3 564.5 558.8 571.3 582.3 585.4 588.2 597.2 593.2 599.8 602.8 597.6 10a Credit card and related plans 232.0 221.0 215.3 224.4 231.2 232.0 231.6 239.0 235.9 241.7 243.8 238.4 10d Other 335.3 343.4 343.5 346.9 351.1 353.4 356.6 358.1 357.4 358.1 359.0 359.2 11 Security (4) 73.8 84.7 85.4 84.5 87.1 87.7 83.4 83.8 78.7 101.1 88.3 66.4 12 Other loans and leases 371.0 338.4 332.1 334.5 340.2 339.4 341.7 346.7 341.2 351.3 354.3 340.3 13 Interbank loans 278.8 264.3 265.3 280.7 288.8 296.5 305.5 304.9 298.2 315.2 307.1 297.4 14 Cash assets (5) 275.5 255.5 256.1 258.7 268.0 274.7 281.6 291.4 282.7 288.7 301.9 307.0 15 Other assets (6) 459.2 447.2 454.4 468.3 472.3 476.7 481.7 483.5 484.9 472.2 480.0 504.6 16 TOTAL ASSETS (7) 5,820.4 5,824.2 5,857.4 5,968.6 6,062.1 6,122.4 6,223.1 6,283.1 6,262.3 6,282.8 6,311.7 6,317.6 L I A B I L I T I E S 17 Deposits 3,837.6 3,861.8 3,895.0 3,933.0 3,967.4 4,008.8 4,067.8 4,096.5 4,069.7 4,086.0 4,111.4 4,129.9 18 Transaction 657.6 584.3 594.9 574.0 567.6 596.3 602.2 629.5 579.3 626.6 666.9 679.3 19 Nontransaction 3,180.0 3,277.5 3,300.1 3,359.1 3,399.8 3,412.5 3,465.6 3,467.0 3,490.5 3,459.3 3,444.5 3,450.6 20 Large time 557.2 543.0 560.2 568.3 571.7 579.0 577.3 574.0 572.6 578.0 576.4 569.4 21 Other 2,622.8 2,734.4 2,739.9 2,790.8 2,828.1 2,833.5 2,888.4 2,892.9 2,917.9 2,881.4 2,868.2 2,881.2 22 Borrowings 1,047.0 1,032.1 1,020.4 1,058.8 1,095.6 1,100.8 1,112.7 1,112.8 1,123.3 1,128.4 1,113.9 1,095.0 23 From banks in the U.S. 380.6 350.1 361.4 378.3 386.9 390.6 392.9 389.3 395.9 387.7 385.8 390.3 24 From others 666.4 682.0 659.0 680.5 708.7 710.2 719.8 723.5 727.4 740.7 728.1 704.6 25 Net due to related foreign offices 196.4 174.5 175.8 178.7 183.6 192.5 201.5 214.0 219.9 208.9 214.1 214.1 26 Other liabilities 283.2 298.9 310.4 332.0 342.2 341.1 351.7 361.4 350.6 357.0 377.0 377.3 27 TOTAL LIABILITIES 5,364.3 5,367.3 5,401.7 5,502.6 5,588.8 5,643.3 5,733.8 5,784.7 5,763.4 5,780.4 5,816.4 5,816.2 28 Residual (assets less liabilities) (8) 456.1 457.0 455.7 466.0 473.3 479.1 489.4 498.3 498.9 502.4 495.2 501.3 ------------------------------------------------- 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 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,616.5 2,601.6 2,635.3 2,683.2 2,720.0 2,733.6 2,787.4 2,813.6 2,815.6 2,810.6 2,833.7 2,809.2 2 Securities in bank credit 635.8 683.6 713.2 736.6 745.4 743.3 779.7 787.7 790.0 769.3 797.7 807.1 3 Treasury and Agency securities (2) 378.8 400.1 410.9 427.5 432.0 435.2 455.4 455.4 463.5 442.3 454.9 459.8 3a Trading account 33.9 42.4 43.1 48.0 42.6 37.8 48.1 44.5 47.6 41.7 42.5 44.4 3b Investment account 344.9 357.8 367.9 379.5 389.3 397.5 407.4 410.9 416.0 400.7 412.4 415.4 4 Other securities 257.0 283.5 302.3 309.1 313.5 308.0 324.3 332.3 326.4 327.0 342.7 347.3 4a Trading account 130.0 148.3 168.8 174.5 172.7 161.5 171.8 176.3 170.7 171.2 184.7 191.5 4b Investment account 127.0 135.2 133.5 134.6 140.8 146.5 152.5 156.0 155.8 155.8 158.1 155.8 4c State and local government 27.3 27.3 28.3 28.0 28.4 28.7 29.1 29.4 29.3 29.5 29.7 29.2 4d Other 99.7 107.8 105.3 106.5 112.4 117.8 123.3 126.6 126.5 126.3 128.3 126.6 5 Loans and leases in bank credit (3) 1,980.7 1,918.0 1,922.0 1,946.7 1,974.5 1,990.3 2,007.6 2,025.9 2,025.6 2,041.3 2,036.0 2,002.1 6 Commercial and industrial 536.8 500.5 489.2 488.2 484.6 482.9 481.2 479.2 479.7 480.0 480.2 475.1 7 Real estate 864.7 861.9 882.0 901.0 921.9 941.4 964.9 983.9 989.5 980.3 983.1 987.6 8 Revolving home equity 98.4 116.9 121.6 124.6 126.8 129.5 131.7 135.7 134.6 136.1 135.9 137.5 9 Other 766.4 745.0 760.4 776.5 795.1 811.8 833.2 848.2 854.9 844.2 847.2 850.1 10 Consumer 247.2 242.4 243.1 248.6 254.1 255.1 254.7 253.4 253.7 253.8 253.7 252.3 11 Security (4) 63.5 76.7 78.9 77.6 77.9 77.1 72.7 72.5 67.5 85.8 77.4 58.6 11a Fed funds and RPs with broker/dealer 48.6 64.7 66.4 66.3 67.9 66.8 62.0 62.0 56.7 75.8 66.0 48.6 11b Other 14.9 12.0 12.5 11.3 10.0 10.3 10.7 10.5 10.8 10.1 11.4 10.0 12a State and local government 15.0 13.0 12.8 12.9 13.0 12.9 12.1 11.8 11.8 11.8 11.7 11.6 12b Agricultural 9.9 9.1 9.0 8.2 8.2 8.1 8.1 8.1 8.1 8.1 8.1 8.2 12c Fed funds and RPs with others 28.9 17.6 13.7 16.6 19.8 19.2 18.5 22.4 19.6 26.2 26.9 17.9 12d All other loans 80.5 70.0 67.1 67.5 69.2 69.4 72.4 72.8 73.4 73.2 73.3 70.1 12e Lease financing receivables 134.2 126.8 126.3 126.1 125.9 124.2 123.0 121.8 122.3 122.1 121.7 120.5 13 Interbank loans 171.9 163.5 165.0 176.5 182.0 181.6 180.3 178.7 172.5 182.5 186.8 174.7 13a Fed funds and RPs with banks 102.0 77.2 77.2 86.8 89.2 84.0 87.3 85.3 79.3 90.7 86.7 85.7 13b Other 69.9 86.2 87.7 89.7 92.9 97.7 93.0 93.4 93.2 91.8 100.1 89.0 14 Cash assets (5) 149.0 143.2 142.5 146.9 144.3 144.1 145.0 146.4 154.0 142.6 156.5 138.1 15 Other assets (6) 322.8 303.0 310.5 321.6 319.4 328.1 327.9 322.5 330.3 323.1 322.3 316.5 16 TOTAL ASSETS (7) 3,217.9 3,167.2 3,209.3 3,284.9 3,322.8 3,344.4 3,397.3 3,418.2 3,429.3 3,415.7 3,456.2 3,396.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 6 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars (continued) January 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,816.2 1,817.5 1,846.8 1,872.5 1,883.2 1,899.5 1,924.0 1,936.1 1,924.0 1,930.3 1,960.6 1,935.0 18 Transaction 326.3 286.7 292.2 282.4 268.3 286.9 282.5 288.5 271.8 289.7 310.7 294.0 19 Nontransaction 1,490.0 1,530.8 1,554.6 1,590.2 1,614.9 1,612.6 1,641.5 1,647.6 1,652.2 1,640.6 1,649.9 1,641.1 20 Large time 250.1 244.3 261.5 268.3 271.8 272.7 267.2 261.9 258.3 264.4 266.0 259.4 21 Other 1,239.9 1,286.5 1,293.1 1,321.9 1,343.1 1,339.9 1,374.3 1,385.8 1,393.9 1,376.2 1,383.9 1,381.6 22 Borrowings 662.5 643.2 636.6 670.3 672.6 669.3 680.0 674.5 699.6 681.3 670.6 654.1 23 From banks in the U.S. 208.3 181.7 191.3 201.0 206.6 205.4 210.7 195.6 209.0 191.4 187.7 191.9 24 From others 454.2 461.5 445.3 469.3 466.0 463.8 469.3 478.9 490.6 489.9 482.9 462.2 25 Net due to related foreign offices 182.3 164.0 171.2 171.2 175.4 179.5 185.5 197.0 202.3 193.1 195.5 197.7 26 Other liabilities 214.4 225.3 241.7 255.0 262.0 258.5 261.5 271.7 259.9 268.8 285.6 287.2 27 TOTAL LIABILITIES 2,875.6 2,850.0 2,896.3 2,969.0 2,993.3 3,006.8 3,051.0 3,079.3 3,085.7 3,073.5 3,112.3 3,074.0 28 Residual (assets less liabilities) (8) 342.3 317.2 313.0 315.9 329.6 337.6 346.3 338.9 343.6 342.2 343.8 322.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 7 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars January 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,629.6 2,601.8 2,620.0 2,669.9 2,714.4 2,732.2 2,795.5 2,827.9 2,824.1 2,827.6 2,841.4 2,833.9 2 Securities in bank credit 640.7 680.0 701.2 730.3 742.8 743.8 784.1 793.9 796.6 774.6 797.4 818.0 3 Treasury and Agency securities (2) 381.2 397.9 404.7 423.6 429.5 432.6 456.5 458.3 467.9 446.1 453.1 462.4 3a Trading account 34.1 42.2 42.4 47.6 42.4 37.6 48.2 44.8 48.0 42.0 42.3 44.6 3b Investment account 347.0 355.7 362.3 376.0 387.1 395.1 408.3 413.5 419.8 404.1 410.8 417.7 3c Mortgage-backed 280.4 277.5 287.3 304.5 308.0 312.9 324.4 316.8 327.8 303.8 308.1 319.1 3d Other 66.7 78.2 75.0 71.4 79.1 82.2 83.8 96.6 92.0 100.3 102.7 98.6 3e 1 year or less 17.6 14.9 18.7 17.4 19.9 21.8 23.2 24.1 22.1 26.6 27.6 21.1 3f Between 1 and 5 years 36.2 50.0 43.7 42.2 46.3 49.9 47.1 56.2 54.0 57.8 58.7 60.3 3g More than 5 years 12.9 13.3 12.7 11.8 12.9 10.4 13.5 16.3 15.9 15.9 16.5 17.2 4 Other securities 259.5 282.1 296.5 306.7 313.2 311.2 327.7 335.6 328.7 328.5 344.2 355.6 4a Trading account 131.2 147.5 165.5 173.1 172.6 163.2 173.6 178.1 171.8 172.0 185.5 196.1 4b Investment account 128.3 134.5 131.0 133.6 140.7 148.0 154.0 157.5 156.9 156.6 158.8 159.5 4c State and local government 27.6 27.2 27.7 27.8 28.4 29.0 29.4 29.7 29.5 29.6 29.9 29.9 4d Other 100.7 107.3 103.3 105.7 112.3 119.0 124.6 127.8 127.3 126.9 128.9 129.6 5 Loans and leases in bank credit (3) 1,988.9 1,921.8 1,918.7 1,939.7 1,971.6 1,988.4 2,011.3 2,034.1 2,027.5 2,052.9 2,044.0 2,015.9 6 Commercial and industrial 534.8 501.8 488.9 485.7 484.3 483.6 482.1 477.3 475.2 478.1 478.6 475.6 7 Real estate 866.5 863.8 882.2 901.5 922.3 940.2 966.9 985.8 993.7 981.7 983.2 988.7 8 Revolving home equity 98.1 117.3 121.9 124.9 127.3 129.5 131.9 135.2 134.3 135.8 135.3 136.9 9a Other residential 453.4 435.1 448.7 464.4 482.2 495.3 518.6 534.6 543.4 529.7 532.3 536.0 9b Commercial 315.1 311.4 311.6 312.1 312.8 315.4 316.4 315.9 316.0 316.2 315.6 315.8 10 Consumer 250.2 242.3 241.2 246.4 251.6 252.2 253.4 256.6 254.8 256.8 258.4 258.2 10a Credit card and related plans 82.0 72.1 70.9 73.6 75.9 74.8 73.0 75.1 73.4 75.2 76.8 76.4 10f Other 168.2 170.2 170.3 172.8 175.6 177.4 180.4 181.5 181.4 181.6 181.6 181.7 11 Security (4) 65.7 77.4 77.8 76.5 79.1 79.4 74.7 75.3 70.0 92.6 79.9 58.4 11a Fed funds and RPs with broker/dealer 50.2 65.3 65.5 65.3 69.0 68.8 63.7 64.5 58.9 81.7 68.1 48.5 11b Other 15.5 12.1 12.3 11.2 10.1 10.6 11.0 10.9 11.2 10.9 11.8 9.9 12a State and local government 15.0 13.0 12.8 12.9 13.0 12.9 12.1 11.8 11.8 11.8 11.7 11.6 12b Agricultural 9.8 9.3 9.2 8.2 8.2 8.0 8.0 8.1 8.0 8.0 8.0 8.4 12c Fed funds and RPs with others 29.8 17.6 13.7 16.6 19.8 19.2 18.5 22.4 19.6 26.2 26.9 17.9 12d All other loans 82.4 70.4 67.3 67.0 69.4 69.3 72.9 74.5 72.1 75.7 75.2 74.6 12e Lease financing receivables 134.7 126.4 125.6 124.8 124.0 123.6 122.7 122.2 122.2 122.1 122.2 122.4 13 Interbank loans 175.7 168.5 164.0 172.0 177.0 177.3 182.1 182.8 173.1 191.7 185.6 182.7 13a Fed funds and RPs with banks 104.2 79.5 76.8 84.6 86.8 82.0 88.2 87.3 79.6 95.3 86.2 89.6 13b Other 71.5 89.0 87.2 87.4 90.2 95.3 93.9 95.5 93.5 96.4 99.5 93.0 14 Cash assets (5) 160.0 139.1 137.1 137.9 141.6 145.0 148.0 157.2 151.4 155.6 164.7 169.5 15 Other assets (6) 325.1 302.5 310.4 319.4 321.4 327.4 329.3 324.8 328.1 325.2 323.4 325.3 16 TOTAL ASSETS (7) 3,248.0 3,167.8 3,187.7 3,255.6 3,311.3 3,339.3 3,411.5 3,449.7 3,433.2 3,456.7 3,472.1 3,469.6 ------------------------------------------------- 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 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,834.0 1,816.0 1,838.7 1,856.1 1,874.5 1,896.5 1,933.1 1,952.4 1,929.9 1,947.7 1,963.8 1,976.5 18 Transaction 344.2 285.2 287.2 270.9 263.9 282.9 285.5 305.0 270.4 306.4 327.1 338.5 19 Nontransaction 1,489.7 1,530.8 1,551.5 1,585.2 1,610.6 1,613.6 1,647.6 1,647.3 1,659.4 1,641.3 1,636.7 1,638.0 20 Large time 253.0 243.5 259.3 266.6 269.3 274.0 270.8 264.9 263.2 268.4 267.2 260.2 21 Other 1,236.7 1,287.3 1,292.2 1,318.6 1,341.3 1,339.6 1,376.8 1,382.4 1,396.2 1,373.0 1,369.5 1,377.9 22 Borrowings 662.4 642.3 626.6 650.2 670.0 671.2 683.2 674.1 686.4 688.1 668.5 659.7 23 From banks in the U.S. 209.9 179.3 187.3 195.8 199.8 203.7 207.9 197.0 206.9 195.0 189.3 195.7 24 From others 452.5 463.1 439.4 454.4 470.2 467.5 475.2 477.0 479.5 493.1 479.2 463.9 25 Net due to related foreign offices 186.3 162.8 166.0 170.2 175.0 180.2 190.2 201.2 206.9 196.4 201.1 201.1 26 Other liabilities 218.9 223.7 235.1 253.4 261.5 259.4 267.9 277.3 265.6 273.3 293.5 292.4 27 TOTAL LIABILITIES 2,901.5 2,844.8 2,866.5 2,929.9 2,981.0 3,007.3 3,074.3 3,105.0 3,088.8 3,105.5 3,127.0 3,129.7 28 Residual (assets less liabilities) (8) 346.5 323.0 321.2 325.7 330.3 332.0 337.2 344.8 344.4 351.1 345.1 339.9 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 9 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars January 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,238.3 2,333.4 2,341.6 2,368.7 2,391.4 2,411.6 2,428.6 2,437.5 2,438.3 2,442.1 2,435.6 2,435.5 2 Securities in bank credit 619.4 640.6 639.9 646.1 650.3 654.4 658.9 662.9 661.6 662.5 659.8 668.3 3 Treasury and Agency securities (2) 395.0 432.6 430.9 436.3 443.8 447.6 452.3 455.2 454.2 453.4 453.2 460.2 4 Other securities 224.4 208.0 209.0 209.8 206.5 206.8 206.5 207.7 207.3 209.1 206.6 208.0 5 Loans and leases in bank credit (3) 1,618.9 1,692.8 1,701.7 1,722.6 1,741.1 1,757.2 1,769.7 1,774.6 1,776.7 1,779.6 1,775.8 1,767.2 6 Commercial and industrial 299.4 300.1 301.8 304.3 305.6 306.3 307.4 308.3 307.6 307.9 308.4 309.6 7 Real estate 902.0 958.1 968.4 980.8 994.1 1,006.4 1,015.2 1,017.1 1,020.5 1,020.9 1,014.1 1,012.4 8 Revolving home equity 57.2 69.2 71.3 73.1 74.3 75.5 76.1 76.8 76.5 77.0 76.9 76.9 9 Other 844.8 888.9 897.1 907.7 919.9 930.9 939.1 940.3 943.9 943.9 937.2 935.5 10 Consumer 310.6 326.2 321.6 326.2 328.7 329.7 331.0 333.7 333.3 335.4 334.4 333.2 11 Security (4) 7.9 7.5 7.7 8.0 8.2 8.4 8.3 8.3 8.2 8.3 8.6 8.0 12 Other loans and leases 99.0 101.0 102.2 103.3 104.5 106.4 107.9 107.2 107.1 107.1 110.3 104.1 13 Interbank loans 100.6 98.7 106.1 110.6 114.6 120.3 121.4 119.2 117.7 120.3 125.2 114.0 14 Cash assets (5) 109.2 118.0 120.9 124.7 126.9 129.2 129.1 127.3 132.2 126.2 132.8 117.4 15 Other assets (6) 134.0 144.7 144.0 148.9 150.8 149.3 152.4 158.7 156.8 147.0 156.6 179.3 16 TOTAL ASSETS (7) 2,551.4 2,663.7 2,681.7 2,721.7 2,752.1 2,778.3 2,799.3 2,810.3 2,812.7 2,802.9 2,817.7 2,814.0 L I A B I L I T I E S 17 Deposits 1,983.1 2,054.7 2,068.4 2,093.0 2,104.2 2,117.0 2,127.6 2,122.5 2,122.3 2,117.9 2,130.3 2,118.4 18 Transaction 303.5 300.3 310.1 306.7 305.6 314.7 314.2 314.3 306.8 311.9 330.2 315.2 19 Nontransaction 1,679.6 1,754.4 1,758.3 1,786.2 1,798.6 1,802.3 1,813.4 1,808.2 1,815.5 1,806.0 1,800.1 1,803.2 20 Large time 304.2 299.5 300.9 301.7 302.5 305.0 306.5 309.1 309.3 309.6 309.2 309.2 21 Other 1,375.4 1,454.8 1,457.4 1,484.6 1,496.1 1,497.3 1,506.9 1,499.1 1,506.2 1,496.4 1,490.9 1,494.0 22 Borrowings 384.6 389.8 393.8 408.6 425.6 429.6 429.6 438.8 436.8 440.3 445.4 435.3 23 From banks in the U.S. 170.7 170.8 174.1 182.5 187.1 186.9 185.0 192.3 189.0 192.7 196.5 194.6 24 From others 213.9 218.9 219.7 226.2 238.5 242.7 244.5 246.5 247.8 247.6 248.9 240.7 25 Net due to related foreign offices 10.1 11.7 9.8 8.5 8.6 12.3 11.3 12.8 13.0 12.6 13.0 13.0 26 Other liabilities 64.3 75.2 75.3 78.7 80.7 81.7 83.8 84.1 85.0 83.7 83.5 84.9 27 TOTAL LIABILITIES 2,442.1 2,531.3 2,547.3 2,588.7 2,619.1 2,640.7 2,652.3 2,658.1 2,657.1 2,654.5 2,672.1 2,651.6 28 Residual (assets less liabilities) (8) 109.3 132.3 134.4 133.0 133.0 137.6 147.1 152.2 155.5 148.4 145.6 162.4 ------------------------------------------------- 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 January 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,250.5 2,330.7 2,336.3 2,365.8 2,393.4 2,417.0 2,434.3 2,450.9 2,448.4 2,455.3 2,456.9 2,448.7 2 Securities in bank credit 621.8 640.1 637.8 643.8 649.2 653.2 658.7 665.8 664.1 665.4 664.6 670.5 3 Treasury and Agency securities (2) 397.4 432.1 428.8 434.0 442.7 446.4 452.2 458.0 456.8 456.4 458.0 462.4 4 Other securities 224.4 208.0 209.0 209.8 206.5 206.8 206.5 207.7 207.3 209.1 206.6 208.0 5 Loans and leases in bank credit (3) 1,628.6 1,690.6 1,698.5 1,722.0 1,744.2 1,763.8 1,775.6 1,785.1 1,784.3 1,789.9 1,792.3 1,778.2 6 Commercial and industrial 299.5 302.2 302.4 302.8 303.9 306.1 306.4 308.4 306.7 307.8 309.6 310.6 7 Real estate 904.5 957.2 967.5 981.5 995.8 1,009.7 1,018.3 1,020.0 1,023.1 1,023.0 1,019.5 1,014.9 8 Revolving home equity 57.6 69.0 70.9 72.9 74.7 76.1 76.7 77.4 77.1 77.6 77.8 77.3 9 Other 846.9 888.2 896.6 908.6 921.1 933.6 941.6 942.7 946.0 945.4 941.7 937.6 10 Consumer 317.1 322.2 317.6 324.9 330.7 333.2 334.8 340.6 338.4 343.0 344.4 339.5 10a Credit card and related plans 150.0 148.9 144.4 150.8 155.2 157.2 158.6 163.9 162.5 166.5 167.0 161.9 10h Other 167.1 173.2 173.2 174.2 175.5 176.0 176.3 176.7 175.9 176.5 177.4 177.5 11 Security (4) 8.1 7.3 7.6 7.9 8.0 8.3 8.6 8.5 8.7 8.5 8.5 8.0 12 Other loans and leases 99.4 101.8 103.5 104.9 105.8 106.4 107.5 107.7 107.4 107.5 110.3 105.3 13 Interbank loans 103.1 95.8 101.3 108.7 111.8 119.2 123.5 122.0 125.1 123.5 121.5 114.8 14 Cash assets (5) 115.5 116.4 119.0 120.9 126.5 129.7 133.6 134.1 131.2 133.0 137.2 137.5 15 Other assets (6) 134.0 144.7 144.0 148.9 150.8 149.3 152.4 158.7 156.8 147.0 156.6 179.3 16 TOTAL ASSETS (7) 2,572.4 2,656.5 2,669.7 2,713.0 2,750.8 2,783.1 2,811.6 2,833.3 2,829.1 2,826.2 2,839.6 2,848.0 L I A B I L I T I E S 17 Deposits 2,003.7 2,045.8 2,056.3 2,077.0 2,092.9 2,112.3 2,134.8 2,144.2 2,139.9 2,138.2 2,147.7 2,153.3 18 Transaction 313.4 299.2 307.7 303.1 303.7 313.4 316.7 324.5 308.8 320.2 339.8 340.8 19 Nontransaction 1,690.3 1,746.7 1,748.6 1,773.9 1,789.3 1,798.9 1,818.1 1,819.7 1,831.0 1,818.0 1,807.9 1,812.5 20 Large time 304.2 299.5 300.9 301.7 302.5 305.0 306.5 309.1 309.3 309.6 309.2 309.2 21 Other 1,386.2 1,447.1 1,447.8 1,472.2 1,486.8 1,493.9 1,511.6 1,510.6 1,521.7 1,508.4 1,498.7 1,503.3 22 Borrowings 384.6 389.8 393.8 408.6 425.6 429.6 429.6 438.8 436.8 440.3 445.4 435.3 23 From banks in the U.S. 170.7 170.8 174.1 182.5 187.1 186.9 185.0 192.3 189.0 192.7 196.5 194.6 24 From others 213.9 218.9 219.7 226.2 238.5 242.7 244.5 246.5 247.8 247.6 248.9 240.7 25 Net due to related foreign offices 10.1 11.7 9.8 8.5 8.6 12.3 11.3 12.8 13.0 12.6 13.0 13.0 26 Other liabilities 64.3 75.2 75.3 78.7 80.7 81.7 83.8 84.1 85.0 83.7 83.5 84.9 27 TOTAL LIABILITIES 2,462.8 2,522.5 2,535.2 2,572.7 2,607.8 2,636.0 2,659.4 2,679.8 2,674.6 2,674.8 2,689.5 2,686.6 28 Residual (assets less liabilities) (8) 109.6 134.0 134.5 140.3 143.0 147.2 152.2 153.6 154.5 151.3 150.1 161.5 ------------------------------------------------- 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 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 596.2 605.6 614.2 620.8 618.5 613.5 620.7 634.4 651.3 642.9 640.8 608.4 2 Securities in bank credit 241.6 238.3 241.2 250.0 247.4 245.0 248.9 263.2 267.5 264.5 264.8 266.4 3 Treasury and Agency securities (2) 82.1 76.1 76.4 81.8 86.7 88.8 92.8 101.2 107.2 101.3 101.5 100.2 4 Other securities 159.5 162.2 164.8 168.1 160.7 156.2 156.1 162.0 160.3 163.2 163.3 166.2 5 Loans and leases in bank credit (3) 354.6 367.3 373.0 370.8 371.1 368.6 371.8 371.2 383.8 378.4 376.1 342.0 6 Commercial and industrial 195.3 193.1 191.2 189.9 185.5 181.3 179.1 178.7 180.7 178.1 179.3 174.6 7 Real estate 17.7 18.4 18.8 18.8 19.0 19.5 19.8 19.3 19.6 19.5 19.4 18.9 11 Security (4) 74.8 85.5 90.8 90.4 94.6 96.7 105.1 110.1 117.3 117.7 115.8 88.5 12 Other loans and leases 66.7 70.3 72.1 71.7 72.0 71.0 67.8 63.1 66.2 63.2 61.6 60.0 13 Interbank loans 20.6 20.2 17.5 18.5 21.8 25.5 26.6 31.8 36.7 30.9 32.9 29.2 14 Cash assets (5) 39.3 45.5 46.0 46.5 46.0 45.4 41.0 43.0 40.4 47.6 46.0 38.8 15 Other assets (6) 29.4 27.8 29.4 29.0 28.4 35.1 38.1 42.1 44.4 39.0 42.1 46.2 16 TOTAL ASSETS (7) 685.2 698.8 706.8 714.4 714.3 719.0 726.0 750.9 772.3 759.9 761.5 722.1 L I A B I L I T I E S 17 Deposits 440.5 505.2 498.9 495.1 486.0 466.4 448.5 423.8 431.9 424.9 418.9 405.8 18 Transaction 11.2 10.3 9.9 10.1 10.1 9.8 9.5 9.5 9.0 9.3 9.5 10.7 19 Nontransaction 429.3 494.9 489.0 485.0 475.9 456.6 439.1 414.2 422.9 415.6 409.4 395.1 22 Borrowings 198.4 192.9 201.3 213.8 224.0 233.6 254.5 283.5 290.2 287.6 294.5 277.6 23 From banks in the U.S. 24.0 21.3 20.8 21.6 22.7 23.1 25.5 29.9 25.6 30.3 32.1 32.1 24 From others 174.4 171.6 180.5 192.1 201.3 210.4 229.0 253.7 264.6 257.3 262.3 245.5 25 Net due to related foreign offices -42.3 -86.1 -81.8 -85.6 -83.8 -73.0 -74.9 -60.5 -51.9 -55.2 -61.6 -66.9 26 Other liabilities 82.0 85.5 90.9 96.8 92.7 99.9 99.1 99.7 101.7 101.1 97.1 99.3 27 TOTAL LIABILITIES 678.6 697.5 709.3 720.0 719.0 726.9 727.2 746.4 771.8 758.4 748.8 715.8 28 Residual (assets less liabilities) (8) 6.6 1.3 -2.5 -5.6 -4.6 -7.8 -1.2 4.4 0.5 1.5 12.7 6.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 12 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars January 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 603.7 602.6 608.1 614.6 615.1 613.5 623.5 643.5 659.8 652.3 649.9 621.9 2 Securities in bank credit (2) 241.6 238.3 241.2 250.0 247.4 245.0 248.9 263.2 267.5 264.5 264.8 266.4 3 Treasury and Agency securities 82.1 76.1 76.4 81.8 86.7 88.8 92.8 101.2 107.2 101.3 101.5 100.2 3a Trading account 13.3 10.4 10.7 13.0 15.2 18.6 20.2 30.6 35.2 30.2 31.9 31.7 3b Investment account 68.9 65.7 65.8 68.8 71.5 70.2 72.7 70.6 72.0 71.1 69.5 68.5 4 Other securities 159.5 162.2 164.8 168.1 160.7 156.2 156.1 162.0 160.3 163.2 163.3 166.2 4a Trading account 105.0 103.5 108.4 109.8 103.9 100.4 99.3 99.4 98.5 99.4 99.4 102.9 4b Investment account 54.5 58.7 56.4 58.4 56.9 55.7 56.8 62.7 61.8 63.8 63.9 63.3 5 Loans and leases in bank credit (3) 362.1 364.3 366.9 364.6 367.7 368.5 374.6 380.3 392.2 387.8 385.1 355.5 6 Commercial and industrial 197.0 191.9 189.9 188.3 185.4 182.0 180.6 180.2 180.5 179.4 181.9 177.9 7 Real estate 17.7 18.4 18.8 18.8 19.0 19.5 19.8 19.3 19.6 19.5 19.4 18.9 11 Security (4) 78.8 84.0 87.4 87.1 91.7 96.8 106.4 115.9 125.1 124.3 119.9 96.2 12 Other loans and leases 68.5 70.0 70.8 70.4 71.6 70.2 67.8 64.8 67.1 64.6 63.9 62.6 13 Interbank loans 20.6 20.2 17.5 18.5 21.8 25.5 26.6 31.8 36.7 30.9 32.9 29.2 14 Cash assets (5) 41.7 43.5 44.1 45.1 46.1 46.3 43.4 45.6 42.1 50.7 49.2 41.5 15 Other assets (6) 30.2 26.6 28.3 28.6 29.0 34.4 37.9 43.2 46.1 40.0 43.0 47.1 16 TOTAL ASSETS (7) 695.9 692.6 697.7 706.4 711.6 719.3 731.0 763.7 784.2 773.4 774.6 739.3 L I A B I L I T I E S 17 Deposits 452.8 503.4 489.8 480.6 474.0 459.0 452.1 435.5 442.2 435.9 434.8 418.3 18 Transaction 11.9 10.1 9.8 9.8 10.3 9.9 9.6 10.2 9.3 10.1 10.2 11.8 19 Nontransaction 440.9 493.3 480.0 470.8 463.7 449.0 442.5 425.3 433.0 425.8 424.6 406.5 22 Borrowings 198.4 192.9 201.3 213.8 224.0 233.6 254.5 283.5 290.2 287.6 294.5 277.6 23 From banks in the U.S. 24.0 21.3 20.8 21.6 22.7 23.1 25.5 29.9 25.6 30.3 32.1 32.1 24 From others 174.4 171.6 180.5 192.1 201.3 210.4 229.0 253.7 264.6 257.3 262.3 245.5 25 Net due to related foreign offices -39.6 -88.8 -85.8 -87.6 -82.8 -74.3 -76.0 -58.4 -51.9 -54.0 -56.9 -61.4 26 Other liabilities 83.2 84.1 88.7 95.6 93.4 99.1 98.4 101.2 101.7 101.9 100.2 103.4 27 TOTAL LIABILITIES 694.9 691.6 694.0 702.4 708.5 717.3 729.0 761.8 782.3 771.5 772.6 737.9 28 Residual (assets less liabilities) (8) 1.0 1.0 3.7 3.9 3.0 1.9 2.0 1.9 2.0 2.0 2.0 1.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars January 10, 2003 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Dec 11 Dec 18 Dec 25 Jan 1 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 80.6 92.9 105.8 112.3 119.1 110.9 117.1 124.7 120.7 118.8 130.9 141.0 30 Reval. losses on off-bal. sheet items (9) 68.4 75.2 89.2 93.7 100.1 94.2 100.8 105.9 101.2 101.0 112.7 119.7 31 Mortgage-backed securities (10) 311.2 312.6 320.0 338.1 343.5 354.8 370.0 362.7 374.0 350.1 354.0 364.1 31a Pass-through 208.9 224.6 236.3 253.4 254.7 261.3 274.2 265.2 274.9 254.1 258.2 267.2 31b CMO, REMIC, and other 102.2 88.0 83.7 84.8 88.9 93.5 95.8 97.4 99.1 96.0 95.8 96.9 32 Net unrealized gains (losses) on available-for-sale securities (11) 4.6 6.7 8.3 9.1 11.5 12.5 11.8 11.9 10.9 11.7 14.4 11.7 33 Offshore credit to U.S. residents (12) 19.1 19.6 19.1 19.0 19.0 18.4 18.5 18.8 18.7 19.1 18.7 18.7 34 Securitized consumer loans (13) 104.2 103.3 107.1 105.3 104.6 106.7 109.7 110.5 110.8 110.9 110.3 109.6 34a Credit card and related plans 92.2 90.3 91.2 89.3 88.9 90.7 93.5 94.8 94.9 95.0 94.5 94.6 34b Other 12.0 13.0 15.9 15.9 15.7 16.0 16.2 15.7 15.9 15.9 15.8 14.9 35 Securitized business loans (13) 19.7 16.9 17.1 17.8 17.7 17.5 17.1 16.9 17.0 16.9 16.8 16.6 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 275.4 299.1 297.3 298.9 304.4 307.2 309.0 311.2 311.4 309.9 310.5 313.1 34 Securitized consumer loans (13) 243.3 243.9 239.9 238.3 235.9 235.0 236.6 239.7 236.9 238.7 241.3 244.2 34a Credit card and related plans 234.9 236.9 236.3 235.2 232.0 226.1 227.7 231.0 228.2 229.7 232.7 235.6 34b Other 8.4 7.0 3.6 3.1 3.9 8.9 8.9 8.7 8.8 8.9 8.6 8.5 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 60.7 55.2 61.5 65.1 62.5 61.8 63.0 63.9 62.7 63.5 64.2 67.6 30 Reval. losses on off-bal. sheet items (9) 54.2 49.3 57.4 64.8 61.5 60.3 60.4 59.8 59.2 59.2 59.5 62.8 35 Securitized business loans (13) 12.9 9.9 9.4 9.1 8.1 7.6 7.3 6.9 7.0 7.0 6.8 6.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 January 10, 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. NOTE: Domestically chartered banks acquired $1.3 billion in assets and liabilities of nonbank institutions in the week ending January 1, 2003. The major items affected were (in billions): real estate loans, other, $0.5 and other loans, $0.3. The major liabilty item was: nontransaction deposits, other, $1.3.