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: April 18, 2003
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Notice to users of the H.8 release: Data on the attached H.8 have been benchmarked through the December 2002 Call Report.  Data on the previous release were benchmarked
through the September 2002 Call Report. The data also incorporate new seasonal adjustment factors.


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                                                                                                                            April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,418.6   5,729.4   5,759.5   5,838.3   5,897.3   5,890.1   5,964.9   5,993.4       5,974.0   5,972.0   5,993.6   6,009.1

  2     Securities in bank credit                        1,479.4   1,639.5   1,637.3   1,679.4   1,709.3   1,702.5   1,745.5   1,754.9       1,734.7   1,740.7   1,752.6   1,741.0
  3        Treasury and Agency securities (2)              846.3     959.6     973.9   1,004.4   1,021.5   1,022.3   1,048.0   1,057.5       1,047.7   1,054.3   1,067.1   1,059.2
  4        Other securities                                633.1     679.9     663.3     675.0     687.8     680.1     697.6     697.4         687.0     686.3     685.5     681.9

  5     Loans and leases in bank credit (3)              3,939.2   4,089.8   4,122.3   4,158.8   4,188.0   4,187.6   4,219.3   4,238.4       4,239.3   4,231.3   4,241.0   4,268.1
  6        Commercial and industrial                     1,017.1     973.8     969.1     968.2     966.8     962.7     955.0     948.4         947.8     946.9     945.0     946.1
  7        Real estate                                   1,790.9   1,939.5   1,972.8   2,007.7   2,030.3   2,045.0   2,075.0   2,089.5       2,084.5   2,076.7   2,096.6   2,117.4
  8          Revolving home equity                         167.3     201.2     205.1     209.2     214.0     217.7     222.2     229.2         230.0     230.3     232.1     232.7
  9          Other                                       1,623.6   1,738.4   1,767.7   1,798.6   1,816.4   1,827.3   1,852.8   1,860.3       1,854.5   1,846.4   1,864.6   1,884.7
  10       Consumer                                        560.8     583.2     585.0     585.8     588.5     592.8     593.9     590.8         593.6     591.4     590.0     587.7
  11       Security (4)                                    161.7     180.9     183.0     185.8     190.0     176.5     185.8     201.9         203.3     211.0     204.5     217.4
  12       Other loans and leases                          408.7     412.4     412.3     411.3     412.4     410.5     409.6     407.8         410.0     405.3     404.9     399.4

  13  Interbank loans                                      269.7     317.7     328.1     325.5     327.7     307.3     305.1     315.9         317.6     316.0     318.8     295.2

  14  Cash assets (5)                                      299.9     318.1     317.8     315.4     317.1     312.9     316.1     322.4         330.3     319.0     326.9     315.6

  15  Other assets (6)                                     463.9     496.6     507.5     509.9     506.6     508.5     535.7     529.2         521.4     526.0     526.8     530.3

  16  TOTAL ASSETS (7)                                   6,376.6   6,786.1   6,836.6   6,912.2   6,972.1   6,941.4   7,044.1   7,083.1       7,065.5   7,055.1   7,088.4   7,073.3

            L I A B I L I T I E S

  17  Deposits                                           4,293.0   4,478.4   4,486.7   4,509.3   4,489.6   4,510.7   4,537.4   4,586.4       4,582.6   4,575.9   4,616.2   4,568.3
  18    Transaction                                        623.5     582.7     609.7     605.9     611.8     607.7     612.9     618.2         628.4     653.5     598.1     589.7
  19    Nontransaction                                   3,669.5   3,895.7   3,876.9   3,903.4   3,877.8   3,903.1   3,924.5   3,968.2       3,954.2   3,922.5   4,018.1   3,978.6
  20       Large time                                    1,022.2   1,044.2   1,024.8   1,006.0     979.7     984.0     999.6   1,005.5       1,007.5     997.6     999.4     990.5
  21       Other                                         2,647.2   2,851.4   2,852.1   2,897.4   2,898.1   2,919.0   2,925.0   2,962.7       2,946.7   2,924.9   3,018.8   2,988.1

  22  Borrowings                                         1,206.2   1,322.8   1,332.0   1,366.1   1,396.6   1,333.4   1,369.0   1,394.8       1,385.0   1,397.6   1,385.3   1,404.5
  23    From banks in the U.S.                             383.0     415.9     414.9     421.9     417.8     380.8     387.1     395.7         389.3     385.7     398.9     393.2
  24    From others                                        823.2     906.9     917.1     944.2     978.8     952.6     982.0     999.2         995.7   1,011.9     986.4   1,011.4

  25  Net due to related foreign offices                   102.3      99.0     117.5     122.9     152.0     156.7     145.8     139.9         150.8     125.9     144.4     145.4

  26  Other liabilities                                    316.2     432.7     427.8     431.4     441.4     443.1     452.9     444.3         432.3     433.0     440.7     450.8

  27  TOTAL LIABILITIES                                  5,917.7   6,332.9   6,364.0   6,429.7   6,479.5   6,443.9   6,505.2   6,565.4       6,550.7   6,532.4   6,586.6   6,569.0

  28  Residual (assets less liabilities) (8)               458.9     453.2     472.6     482.6     492.6     497.5     538.9     517.6         514.8     522.7     501.9     504.2



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

  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                                                                                                                        April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,409.3   5,726.0   5,761.4   5,853.7   5,931.3   5,907.3   5,968.4   5,981.7       5,961.4   5,945.1   5,977.0   5,987.4

  2     Securities in bank credit                        1,483.4   1,638.3   1,635.1   1,682.7   1,715.9   1,712.9   1,754.7   1,759.9       1,737.2   1,739.5   1,755.2   1,742.8
  3        Treasury and Agency securities (2)              850.3     959.5     970.0   1,006.2   1,025.8   1,027.1   1,054.3   1,062.5       1,051.3   1,055.5   1,071.5   1,064.2
  4        Other securities                                633.1     678.9     665.1     676.5     690.2     685.7     700.4     697.5         685.9     684.1     683.7     678.6

  5     Loans and leases in bank credit (3)              3,925.9   4,087.6   4,126.2   4,170.9   4,215.4   4,194.5   4,213.8   4,221.8       4,224.2   4,205.5   4,221.8   4,244.6
  6        Commercial and industrial                     1,018.7     972.2     969.5     968.2     965.6     956.8     953.0     949.8         950.5     948.1     948.5     946.8
  7        Real estate                                   1,783.5   1,941.2   1,974.4   2,012.3   2,034.9   2,045.4   2,070.8   2,080.5       2,074.4   2,065.3   2,087.9   2,111.7
  8          Revolving home equity                         165.9     201.8     205.6     209.0     213.5     217.1     222.5     227.1         227.6     227.7     229.6     230.7
  9          Other                                       1,617.6   1,739.3   1,768.8   1,803.2   1,821.4   1,828.3   1,848.3   1,853.4       1,846.8   1,837.7   1,858.3   1,881.0
  10       Consumer                                        558.2     582.2     585.4     588.2     597.3     600.5     597.1     588.5         591.6     588.5     585.5     582.6
  10a        Credit card and related plans                 220.0     231.2     232.4     231.9     238.9     235.2     228.4     224.0         227.2     223.7     219.9     217.7
  10b        Other                                         338.2     351.0     353.0     356.3     358.4     365.3     368.7     364.5         364.3     364.8     365.6     364.9
  11       Security (4)                                    158.4     179.4     185.2     190.2     200.6     182.9     187.6     197.1         200.1     201.8     192.7     203.6
  12       Other loans and leases                          407.1     412.8     411.7     412.1     417.0     408.9     405.3     405.9         407.6     401.8     407.2     400.0

  13  Interbank loans                                      274.7     310.1     320.9     330.6     334.7     304.1     302.3     322.4         321.5     311.6     337.3     317.0

  14  Cash assets (5)                                      289.8     314.3     320.9     325.2     339.2     328.8     316.6     311.7         317.8     301.1     326.5     305.4

  15  Other assets (6)                                     463.2     500.1     507.4     513.4     511.5     512.3     533.3     528.5         521.1     519.6     530.9     532.3

  16  TOTAL ASSETS (7)                                   6,361.4   6,774.8   6,834.8   6,946.2   7,040.2   6,975.4   7,042.6   7,066.2       7,043.7   6,999.4   7,094.3   7,065.3

            L I A B I L I T I E S

  17  Deposits                                           4,299.5   4,441.7   4,470.1   4,524.3   4,540.4   4,534.0   4,558.3   4,593.6       4,577.8   4,553.0   4,652.4   4,615.6
  18    Transaction                                        615.0     577.8     606.8     613.5     644.6     621.7     605.2     609.8         616.2     633.5     609.7     593.1
  19    Nontransaction                                   3,684.5   3,863.9   3,863.3   3,910.8   3,895.7   3,912.3   3,953.1   3,983.7       3,961.6   3,919.5   4,042.7   4,022.5
  20       Large time                                    1,025.7   1,023.7   1,014.0   1,009.8     992.4   1,000.6   1,010.2   1,008.2       1,008.3   1,000.2   1,002.3     993.0
  21       Other                                         2,658.8   2,840.2   2,849.3   2,900.9   2,903.3   2,911.7   2,942.9   2,975.5       2,953.3   2,919.3   3,040.4   3,029.6

  22  Borrowings                                         1,202.9   1,320.5   1,334.6   1,367.4   1,395.8   1,346.5   1,371.2   1,391.2       1,387.9   1,388.1   1,376.7   1,394.2
  23    From banks in the U.S.                             386.2     409.1     413.4     418.7     419.6     385.4     390.6     399.1         393.7     387.3     401.8     394.9
  24    From others                                        816.7     911.4     921.1     948.7     976.2     961.1     980.6     992.1         994.2   1,000.9     974.9     999.3

  25  Net due to related foreign offices                   101.7     101.4     119.5     126.8     158.2     160.7     151.3     137.9         147.2     127.0     138.3     129.9

  26  Other liabilities                                    314.1     435.0     431.5     437.5     448.3     446.9     459.2     440.6         426.7     431.2     431.7     431.8

  27  TOTAL LIABILITIES                                  5,918.1   6,298.6   6,355.6   6,456.0   6,542.6   6,488.1   6,540.1   6,563.2       6,539.6   6,499.3   6,599.1   6,571.5

  28  Residual (assets less liabilities) (8)               443.2     476.1     479.2     490.2     497.6     487.2     502.5     503.0         504.1     500.1     495.1     493.8





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

  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                                                                                                                            April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,827.5   5,109.5   5,145.0   5,218.1   5,261.1   5,262.5   5,324.4   5,335.0       5,319.3   5,315.8   5,334.1   5,340.7

  2     Securities in bank credit                        1,250.9   1,391.9   1,392.4   1,431.5   1,447.8   1,439.7   1,472.6   1,477.9       1,460.9   1,469.6   1,476.9   1,467.2
  3        Treasury and Agency securities (2)              775.4     872.5     884.9     910.9     919.4     919.6     940.4     946.0         937.4     943.7     951.6     944.3
  4        Other securities                                475.4     519.4     507.5     520.5     528.4     520.1     532.2     531.9         523.5     525.9     525.3     522.9

  5     Loans and leases in bank credit (3)              3,576.6   3,717.6   3,752.6   3,786.6   3,813.3   3,822.7   3,851.8   3,857.1       3,858.4   3,846.2   3,857.1   3,873.5
  6        Commercial and industrial                       821.7     788.8     788.0     789.2     788.3     786.4     782.8     779.5         779.8     778.9     778.1     777.0
  7        Real estate                                   1,772.9   1,920.5   1,953.2   1,987.8   2,010.8   2,026.1   2,056.9   2,071.7       2,066.7   2,058.7   2,079.7   2,100.6
  8          Revolving home equity                         167.3     201.2     205.1     209.2     214.0     217.7     222.2     229.2         230.0     230.3     232.1     232.7
  9          Other                                       1,605.5   1,719.3   1,748.1   1,778.6   1,796.8   1,808.4   1,834.8   1,842.5       1,836.7   1,828.4   1,847.6   1,867.8
  10       Consumer                                        560.8     583.2     585.0     585.8     588.5     592.8     593.9     590.8         593.6     591.4     590.0     587.7
  11       Security (4)                                     81.8      85.7      85.6      81.1      79.8      71.4      72.9      71.9          73.5      75.3      69.0      73.4
  12       Other loans and leases                          339.6     339.4     340.8     342.7     346.0     346.0     345.2     343.1         344.8     341.8     340.4     334.8

  13  Interbank loans                                      249.0     296.5     303.6     300.0     298.0     278.6     276.2     285.4         285.2     285.4     292.0     266.1

  14  Cash assets (5)                                      255.5     271.5     272.2     273.0     272.0     272.8     277.7     279.7         286.0     273.7     282.2     273.2

  15  Other assets (6)                                     439.0     467.6     473.7     475.3     471.8     468.7     494.1     491.1         484.9     490.0     487.2     489.2

  16  TOTAL ASSETS (7)                                   5,696.0   6,069.9   6,118.6   6,190.1   6,226.7   6,205.6   6,295.2   6,313.7       6,298.1   6,287.3   6,318.3   6,292.6

            L I A B I L I T I E S

  17  Deposits                                           3,810.6   3,986.1   4,015.2   4,056.7   4,063.6   4,083.9   4,094.1   4,137.2       4,122.7   4,137.6   4,179.6   4,130.1
  18    Transaction                                        613.4     572.6     600.1     596.7     602.6     598.1     603.2     607.6         617.9     643.1     587.8     579.7
  19    Nontransaction                                   3,197.3   3,413.4   3,415.1   3,460.0   3,461.0   3,485.8   3,490.9   3,529.6       3,504.9   3,494.5   3,591.8   3,550.3
  20       Large time                                      552.0     568.3     571.2     571.6     571.0     582.2     587.8     587.5         583.2     584.8     590.9     579.4
  21       Other                                         2,645.3   2,845.1   2,843.9   2,888.4   2,890.0   2,903.6   2,903.1   2,942.1       2,921.6   2,909.7   3,000.9   2,971.0

  22  Borrowings                                         1,018.7   1,097.7   1,099.4   1,114.9   1,119.9   1,061.9   1,092.2   1,095.4       1,093.2   1,086.0   1,084.5   1,088.2
  23    From banks in the U.S.                             362.2     393.3     391.9     396.7     388.0     349.8     355.7     361.3         357.5     352.7     365.7     362.8
  24    From others                                        656.6     704.4     707.4     718.1     731.9     712.1     736.6     734.1         735.7     733.3     718.7     725.4

  25  Net due to related foreign offices                   174.8     182.8     189.1     196.3     211.1     226.6     224.5     225.3         235.1     219.8     217.2     223.0

  26  Other liabilities                                    242.8     338.9     328.1     332.1     339.3     344.3     351.8     349.1         340.5     342.6     352.3     361.4

  27  TOTAL LIABILITIES                                  5,246.9   5,605.5   5,631.8   5,700.0   5,734.0   5,716.8   5,762.6   5,806.9       5,791.5   5,786.0   5,833.5   5,802.7

  28  Residual (assets less liabilities) (8)               449.0     464.4     486.8     490.1     492.8     488.9     532.6     506.7         506.7     501.3     484.8     489.9



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                        April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,818.3   5,109.7   5,147.3   5,229.9   5,285.2   5,271.8   5,323.4   5,325.5       5,307.1   5,293.1   5,324.6   5,331.0

  2     Securities in bank credit                        1,254.8   1,390.8   1,390.2   1,434.8   1,454.4   1,450.1   1,481.8   1,482.9       1,463.4   1,468.5   1,479.6   1,469.0
  3        Treasury and Agency securities (2)              779.4     872.4     881.0     912.7     923.6     924.4     946.7     950.9         941.0     944.9     956.0     949.4
  4        Other securities                                475.4     518.4     509.3     522.1     530.8     525.7     535.0     532.0         522.4     523.6     523.6     519.6

  5     Loans and leases in bank credit (3)              3,563.5   3,719.0   3,757.1   3,795.1   3,830.7   3,821.8   3,841.7   3,842.6       3,843.7   3,824.6   3,845.0   3,862.0
  6        Commercial and industrial                       821.5     787.3     788.3     787.9     785.6     780.4     779.4     779.4         780.4     778.8     780.5     778.6
  7        Real estate                                   1,765.5   1,922.1   1,954.9   1,992.3   2,015.4   2,026.5   2,052.7   2,062.7       2,056.6   2,047.3   2,070.9   2,094.8
  8          Revolving home equity                         165.9     201.8     205.6     209.0     213.5     217.1     222.5     227.1         227.6     227.7     229.6     230.7
  9          Other                                       1,599.6   1,720.3   1,749.3   1,783.3   1,801.8   1,809.4   1,830.2   1,835.6       1,828.9   1,819.7   1,841.3   1,864.1
  10       Consumer                                        558.2     582.2     585.4     588.2     597.3     600.5     597.1     588.5         591.6     588.5     585.5     582.6
  10a        Credit card and related plans                 220.0     231.2     232.4     231.9     238.9     235.2     228.4     224.0         227.2     223.7     219.9     217.7
  10d        Other                                         338.2     351.0     353.0     356.3     358.4     365.3     368.7     364.5         364.3     364.8     365.6     364.9
  11       Security (4)                                     81.3      87.1      87.8      83.4      83.8      70.7      71.8      71.6          73.6      72.7      66.1      70.8
  12       Other loans and leases                          337.0     340.3     340.8     343.3     348.6     343.7     340.7     340.4         341.6     337.4     341.9     335.2

  13  Interbank loans                                      254.1     288.9     296.4     305.0     305.0     275.4     273.4     291.8         289.2     281.0     310.5     287.8

  14  Cash assets (5)                                      246.6     268.0     274.3     280.4     290.9     285.8     277.2     270.1         275.0     257.1     283.3     265.3

  15  Other assets (6)                                     437.7     471.1     474.1     478.9     475.6     471.2     491.0     489.5         483.9     483.3     491.0     491.2

  16  TOTAL ASSETS (7)                                   5,681.4   6,062.4   6,116.8   6,218.1   6,280.5   6,227.4   6,287.5   6,299.2       6,277.3   6,237.0   6,332.2   6,299.0

            L I A B I L I T I E S

  17  Deposits                                           3,812.6   3,967.6   4,011.0   4,071.6   4,103.6   4,091.1   4,104.8   4,140.2       4,115.7   4,108.0   4,209.9   4,174.7
  18    Transaction                                        605.2     567.5     596.9     604.0     634.7     611.9     595.5     599.6         606.0     623.5     599.6     583.7
  19    Nontransaction                                   3,207.4   3,400.1   3,414.0   3,467.6   3,468.9   3,479.2   3,509.3   3,540.7       3,509.7   3,484.5   3,610.3   3,591.0
  20       Large time                                      550.6     565.9     572.7     575.7     573.8     583.5     588.8     586.0         581.6     580.7     588.0     578.7
  21       Other                                         2,656.9   2,834.1   2,841.4   2,892.0   2,895.1   2,895.6   2,920.5   2,954.7       2,928.1   2,903.8   3,022.3   3,012.3

  22  Borrowings                                         1,015.4   1,095.4   1,101.9   1,116.2   1,119.0   1,075.0   1,094.4   1,091.8       1,096.1   1,076.6   1,075.9   1,077.8
  23    From banks in the U.S.                             365.4     386.5     390.4     393.5     389.8     354.4     359.2     364.7         362.0     354.3     368.7     364.5
  24    From others                                        650.0     708.9     711.5     722.7     729.3     720.7     735.2     727.1         734.1     722.3     707.2     713.4

  25  Net due to related foreign offices                   171.3     183.6     192.5     201.5     215.6     228.1     228.8     221.0         228.7     215.9     209.9     209.9

  26  Other liabilities                                    239.4     340.2     332.6     339.1     345.1     346.3     357.3     343.8         333.1     337.6     342.6     343.8

  27  TOTAL LIABILITIES                                  5,238.7   5,586.9   5,638.1   5,728.4   5,783.3   5,740.5   5,785.2   5,796.8       5,773.5   5,738.0   5,838.2   5,806.3

  28  Residual (assets less liabilities) (8)               442.7     475.5     478.7     489.7     497.2     486.9     502.3     502.4         503.9     499.0     494.0     492.7






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

  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                                                                                                      April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,612.8   2,757.7   2,766.4   2,817.0   2,845.9   2,844.7   2,891.4   2,890.5       2,872.5   2,864.5   2,888.3   2,887.8

  2     Securities in bank credit                          632.0     742.6     735.7     768.2     777.2     771.6     802.7     800.5         784.9     788.8     792.7     780.3
  3        Treasury and Agency securities (2)              372.4     430.0     434.6     453.7     455.8     458.8     477.6     474.1         466.4     469.3     471.9     463.1
  3a         Trading account                                32.9      42.4      37.7      47.9      44.5      41.5      54.8      42.1          37.1      37.5      38.2      39.9
  3b         Investment account                            339.4     387.6     396.9     405.9     411.2     417.3     422.7     432.0         429.4     431.8     433.7     423.2
  4        Other securities                                259.6     312.6     301.1     314.5     321.5     312.8     325.2     326.4         318.5     319.5     320.8     317.2
  4a         Trading account                               122.2     171.3     153.8     161.0     164.9     159.7     172.2     171.3         162.9     164.1     164.5     160.7
  4b         Investment account                            137.4     141.3     147.3     153.5     156.6     153.1     152.9     155.1         155.6     155.4     156.3     156.5
  4c           State and local government                   27.6      28.4      28.8      29.3      29.4      29.4      29.6      30.1          30.2      30.4      30.3      30.8
  4d           Other                                       109.8     112.9     118.5     124.3     127.2     123.7     123.4     125.0         125.4     125.1     126.0     125.6

  5     Loans and leases in bank credit (3)              1,980.8   2,015.2   2,030.7   2,048.7   2,068.7   2,073.1   2,088.7   2,090.0       2,087.6   2,075.7   2,095.6   2,107.5
  6        Commercial and industrial                       523.6     484.3     481.9     480.6     478.5     475.7     470.8     467.6         467.0     466.4     469.1     469.0
  7        Real estate                                     850.5     921.4     939.7     964.2     984.5   1,000.5   1,022.1   1,032.2       1,026.0   1,018.8   1,041.4   1,055.0
  8          Revolving home equity                         105.8     126.9     129.3     132.2     136.1     139.2     141.7     147.2         147.7     147.5     149.5     149.9
  9          Other                                         744.6     794.5     810.4     832.0     848.4     861.3     880.4     885.0         878.3     871.3     891.8     905.1
  10       Consumer                                        290.8     296.9     297.2     295.6     295.8     296.0     293.9     290.5         291.4     290.1     290.3     288.5
  11       Security (4)                                     74.2      77.6      77.2      72.8      71.5      62.9      64.3      63.4          65.0      66.5      60.7      65.4
  11a        Fed funds and RPs with broker/dealer           61.7      67.7      66.9      62.0      61.1      52.3      53.6      52.0          53.1      54.4      49.7      53.6
  11b        Other                                          12.5       9.9      10.3      10.8      10.4      10.6      10.7      11.4          11.8      12.1      11.0      11.8
  12a      State and local government                       13.3      13.0      12.9      12.1      11.8      11.9      12.2      12.4          12.4      12.4      12.5      12.4
  12b      Agricultural                                      9.4       8.2       8.1       8.1       8.1       8.1       7.8       7.8           7.8       7.8       7.7       7.7
  12c      Fed funds and RPs with others                    21.5      19.8      19.2      18.5      22.4      22.9      23.2      22.8          25.5      21.1      20.6      19.2
  12d      All other loans                                  66.9      68.3      70.3      73.6      74.2      75.2      74.8      73.9          73.2      73.6      73.6      70.7
  12e      Lease financing receivables                     130.5     125.7     124.1     123.2     122.0     120.0     119.7     119.5         119.2     119.1     119.8     119.6

  13  Interbank loans                                      152.2     182.9     183.2     180.6     178.4     152.5     149.4     158.3         158.0     151.7     171.6     153.1
  13a   Fed funds and RPs with banks                        80.7      89.6      84.7      87.5      85.1      84.7      80.2      88.6          87.0      80.7     103.8      85.5
  13b   Other                                               71.5      93.3      98.5      93.1      93.2      67.8      69.2      69.7          71.0      71.0      67.8      67.6

  14  Cash assets (5)                                      142.9     144.6     143.4     144.8     145.9     145.5     147.0     147.6         153.7     140.6     148.8     136.7

  15  Other assets (6)                                     297.7     321.8     332.2     332.0     328.2     323.6     344.1     338.5         336.3     342.3     329.1     342.5

  16  TOTAL ASSETS (7)                                   3,160.9   3,363.5   3,381.5   3,430.2   3,454.7   3,422.0   3,487.5   3,490.2       3,476.1   3,454.4   3,493.3   3,476.3



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                          April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,816.5   1,882.4   1,899.2   1,926.6   1,936.2   1,949.5   1,950.1   1,970.5       1,959.3   1,962.8   2,006.7   1,969.7
  18    Transaction                                        308.1     268.3     285.9     281.7     284.7     282.2     284.4     285.2         293.3     301.8     274.5     266.1
  19    Nontransaction                                   1,508.4   1,614.1   1,613.3   1,644.9   1,651.5   1,667.4   1,665.7   1,685.3       1,666.0   1,661.0   1,732.1   1,703.6
  20       Large time                                      251.1     265.9     266.1     264.7     261.6     273.5     276.2     271.7         267.9     268.4     275.0     263.3
  21       Other                                         1,257.3   1,348.2   1,347.2   1,380.2   1,389.9   1,393.9   1,389.5   1,413.6       1,398.1   1,392.7   1,457.2   1,440.3

  22  Borrowings                                           695.5     728.5     725.4     738.7     727.0     653.0     680.0     686.3         679.7     677.2     677.4     680.7
  23    From banks in the U.S.                             248.1     262.7     261.8     268.0     247.5     193.1     195.7     204.0         199.6     195.1     210.7     209.5
  24    From others                                        447.4     465.8     463.5     470.7     479.5     459.9     484.3     482.3         480.1     482.1     466.7     471.2

  25  Net due to related foreign offices                   165.7     174.2     176.8     185.0     198.8     211.4     211.5     213.8         224.6     207.8     203.9     209.7

  26  Other liabilities                                    180.8     270.4     260.0     263.9     274.3     272.6     277.6     274.1         265.8     267.0     278.9     288.3

  27  TOTAL LIABILITIES                                  2,858.4   3,055.4   3,061.4   3,114.2   3,136.2   3,086.6   3,119.3   3,144.7       3,129.4   3,114.9   3,166.9   3,148.3

  28  Residual (assets less liabilities) (8)               302.5     308.1     320.1     316.1     318.5     335.5     368.2     345.5         346.6     339.6     326.5     328.0



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

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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                                                                                                  April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,607.4   2,755.6   2,766.3   2,825.3   2,858.4   2,852.1   2,893.6   2,884.4       2,864.3   2,845.6   2,881.5   2,880.9

  2     Securities in bank credit                          633.7     741.3     735.7     772.7     782.3     780.2     811.1     802.8         784.7     784.0     792.4     779.9
  3        Treasury and Agency securities (2)              374.1     429.7     432.8     456.6     458.5     461.9     483.1     476.4         467.4     466.8     473.3     466.0
  3a         Trading account                                33.1      42.4      37.6      48.2      44.8      41.8      55.5      42.4          37.1      37.3      38.3      40.2
  3b         Investment account                            341.0     387.3     395.2     408.4     413.7     420.0     427.6     434.0         430.2     429.4     434.9     425.8
  3c           Mortgage-backed                             263.4     308.2     313.1     324.6     317.0     323.1     329.3     332.7         329.8     328.1     336.0     328.7
  3d           Other                                        77.6      79.1      82.2      83.8      96.6      96.9      98.3     101.3         100.4     101.4      98.9      97.2
  3e             1 year or less                             20.0      19.9      21.8      23.2      24.1      21.3      22.8      24.2          24.5      24.3      22.9      24.0
  3f             Between 1 and 5 years                      45.3      46.3      49.9      47.1      56.2      58.2      56.9      56.9          56.2      59.4      58.1      55.7
  3g             More than 5 years                          12.3      12.9      10.4      13.5      16.3      17.4      18.5      20.1          19.8      17.8      17.9      17.5
  4        Other securities                                259.6     311.6     302.9     316.0     323.8     318.4     328.0     326.4         317.4     317.2     319.1     313.9
  4a         Trading account                               122.2     170.7     154.7     161.8     166.1     162.5     173.7     171.4         162.3     162.9     163.7     159.0
  4b         Investment account                            137.4     140.9     148.2     154.3     157.8     155.8     154.3     155.1         155.1     154.3     155.5     154.8
  4c           State and local government                   27.6      28.4      29.0      29.4      29.7      30.0      29.8      30.1          30.1      30.1      30.2      30.5
  4d           Other                                       109.8     112.5     119.2     124.9     128.1     125.9     124.4     125.0         124.9     124.2     125.3     124.3

  5     Loans and leases in bank credit (3)              1,973.6   2,014.3   2,030.6   2,052.6   2,076.1   2,071.9   2,082.6   2,081.6       2,079.6   2,061.6   2,089.1   2,101.0
  6        Commercial and industrial                       523.5     484.5     482.5     480.8     475.9     471.2     468.8     467.6         467.5     465.7     471.0     469.6
  7        Real estate                                     844.9     922.4     940.3     966.9     985.8     999.4   1,017.8   1,025.3       1,018.8   1,010.0   1,034.9   1,051.6
  8          Revolving home equity                         104.6     127.3     129.5     131.9     135.2     138.3     141.9     145.5         145.7     145.4     147.7     148.4
  9a         Other residential                             428.7     482.1     494.6     518.5     534.6     544.7     559.3     562.3         556.1     547.1     569.0     586.6
  9b         Commercial                                    311.6     313.0     316.2     316.5     316.0     316.4     316.6     317.5         317.0     317.6     318.1     316.5
  10       Consumer                                        291.3     294.0     293.9     294.3     298.3     300.8     297.2     291.1         292.0     290.3     290.0     288.2
  10a        Credit card and related plans                 119.2     118.4     116.9     114.5     117.1     115.2     109.7     105.8         106.7     104.7     103.5     102.4
  10f        Other                                         172.1     175.6     177.0     179.8     181.1     185.6     187.5     185.3         185.3     185.6     186.5     185.8
  11       Security (4)                                     73.5      79.0      79.5      74.8      75.4      62.4      63.2      62.8          65.0      64.0      57.3      62.0
  11a        Fed funds and RPs with broker/dealer           61.1      69.0      68.8      63.7      64.5      51.9      52.7      51.6          53.1      52.4      47.0      50.8
  11b        Other                                          12.4      10.1      10.6      11.1      10.9      10.5      10.5      11.3          11.8      11.6      10.4      11.2
  12a      State and local government                       13.3      13.0      12.9      12.1      11.8      11.9      12.2      12.4          12.4      12.4      12.5      12.4
  12b      Agricultural                                      9.3       8.2       8.0       8.0       8.1       8.1       7.7       7.7           7.7       7.7       7.7       7.6
  12c      Fed funds and RPs with others                    21.5      19.8      19.2      18.5      22.4      22.9      23.2      22.8          25.5      21.1      20.6      19.2
  12d      All other loans                                  64.9      69.4      70.7      74.5      76.2      73.3      71.5      71.7          70.9      70.8      74.7      70.1
  12e      Lease financing receivables                     131.3     124.0     123.6     122.7     122.3     121.9     121.1     120.2         119.9     119.7     120.5     120.2

  13  Interbank loans                                      152.1     177.0     177.3     182.1     182.9     155.7     147.6     158.3         158.4     148.1     176.7     153.5
  13a   Fed funds and RPs with banks                        80.7      86.8      82.0      88.2      87.3      86.5      79.2      88.7          87.2      78.8     106.9      85.7
  13b   Other                                               71.4      90.2      95.3      93.9      95.5      69.2      68.3      69.6          71.2      69.4      69.8      67.8

  14  Cash assets (5)                                      138.0     141.6     145.1     148.0     157.5     154.4     147.0     142.5         148.9     131.7     150.2     132.7

  15  Other assets (6)                                     296.3     325.3     332.6     335.5     332.0     326.0     341.1     336.9         335.3     335.6     332.9     344.6

  16  TOTAL ASSETS (7)                                   3,148.9   3,355.9   3,378.1   3,447.0   3,487.2   3,444.0   3,484.4   3,477.2       3,462.1   3,416.3   3,496.9   3,467.9

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

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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)                                                                                      April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,814.0   1,874.8   1,896.8   1,933.4   1,952.6   1,950.4   1,954.2   1,968.6       1,953.6   1,939.8   2,019.1   1,986.5
  18    Transaction                                        303.4     264.0     283.0     285.5     305.0     291.0     280.1     280.8         287.7     290.9     282.8     267.2
  19    Nontransaction                                   1,510.6   1,610.9   1,613.9   1,647.9   1,647.6   1,659.5   1,674.1   1,687.8       1,665.8   1,648.9   1,736.3   1,719.3
  20       Large time                                      249.7     263.5     267.6     268.7     264.5     274.8     277.1     270.2         266.3     264.2     272.1     262.6
  21       Other                                         1,260.8   1,347.4   1,346.3   1,379.1   1,383.2   1,384.7   1,396.9   1,417.6       1,399.5   1,384.6   1,464.2   1,456.7

  22  Borrowings                                           692.1     726.2     727.9     740.0     726.1     666.1     682.2     682.7         682.6     667.7     668.8     670.4
  23    From banks in the U.S.                             251.3     255.9     260.3     264.7     249.3     197.6     199.2     207.4         204.1     196.7     213.7     211.1
  24    From others                                        440.8     470.3     467.6     475.3     476.8     468.4     483.0     475.3         478.5     471.1     455.2     459.2

  25  Net due to related foreign offices                   162.2     175.0     180.2     190.2     203.2     212.9     215.8     209.5         218.2     203.9     196.6     196.6

  26  Other liabilities                                    177.4     271.7     264.5     270.9     280.1     274.6     283.1     268.8         258.4     262.0     269.2     270.7

  27  TOTAL LIABILITIES                                  2,845.7   3,047.7   3,069.5   3,134.5   3,162.1   3,104.1   3,135.2   3,129.6       3,112.8   3,073.3   3,153.7   3,124.1

  28  Residual (assets less liabilities) (8)               303.2     308.2     308.6     312.5     325.1     340.0     349.2     347.6         349.4     343.0     343.2     343.8













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

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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                                                                                                      April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,214.7   2,351.8   2,378.5   2,401.1   2,415.2   2,417.7   2,432.9   2,444.4       2,446.8   2,451.3   2,445.8   2,452.9

  2     Securities in bank credit                          618.8     649.4     656.7     663.2     670.6     668.1     669.9     677.4         676.0     680.8     684.2     686.9
  3        Treasury and Agency securities (2)              403.0     442.6     450.3     457.2     463.6     460.8     462.8     471.9         470.9     474.4     479.7     481.2
  4        Other securities                                215.8     206.8     206.4     206.0     207.0     207.3     207.1     205.5         205.1     206.4     204.5     205.7

  5     Loans and leases in bank credit (3)              1,595.8   1,702.4   1,721.8   1,737.9   1,744.6   1,749.6   1,763.0   1,767.0       1,770.8   1,770.5   1,761.6   1,766.0
  6        Commercial and industrial                       298.1     304.5     306.1     308.6     309.8     310.7     312.0     311.9         312.8     312.5     309.0     308.0
  7        Real estate                                     922.4     999.2   1,013.5   1,023.5   1,026.3   1,025.6   1,034.9   1,039.5       1,040.6   1,040.0   1,038.3   1,045.6
  8          Revolving home equity                          61.5      74.3      75.9      77.0      77.9      78.5      80.5      82.0          82.3      82.8      82.6      82.8
  9          Other                                         860.9     924.9     937.7     946.6     948.4     947.1     954.3     957.5         958.3     957.1     955.7     962.8
  10       Consumer                                        269.9     286.2     287.8     290.2     292.7     296.8     300.0     300.3         302.2     301.3     299.7     299.1
  11       Security (4)                                      7.5       8.1       8.4       8.4       8.3       8.6       8.6       8.5           8.5       8.8       8.3       8.0
  12       Other loans and leases                           97.9     104.4     106.1     107.2     107.5     108.0     107.5     106.8         106.7     107.9     106.3     105.2

  13  Interbank loans                                       96.9     113.6     120.4     119.4     119.6     126.1     126.8     127.1         127.2     133.7     120.4     113.0

  14  Cash assets (5)                                      112.6     126.9     128.8     128.2     126.2     127.3     130.7     132.1         132.4     133.0     133.4     136.4

  15  Other assets (6)                                     141.3     145.8     141.5     143.4     143.6     145.1     149.9     152.6         148.6     147.7     158.1     146.6

  16  TOTAL ASSETS (7)                                   2,535.0   2,706.3   2,737.1   2,759.8   2,772.0   2,783.6   2,807.7   2,823.4       2,822.0   2,832.9   2,824.9   2,816.3

            L I A B I L I T I E S

  17  Deposits                                           1,994.1   2,103.6   2,116.0   2,130.2   2,127.4   2,134.3   2,143.9   2,166.7       2,163.4   2,174.8   2,172.9   2,160.4
  18    Transaction                                        305.3     304.3     314.2     315.0     318.0     316.0     318.7     322.4         324.6     341.3     313.2     313.7
  19    Nontransaction                                   1,688.9   1,799.3   1,801.8   1,815.2   1,809.4   1,818.4   1,825.2   1,844.3       1,838.8   1,833.5   1,859.7   1,846.8
  20       Large time                                      300.8     302.4     305.1     306.9     309.4     308.7     311.7     315.8         315.3     316.5     316.0     316.1
  21       Other                                         1,388.0   1,496.9   1,496.7   1,508.2   1,500.1   1,509.7   1,513.5   1,528.5       1,523.5   1,517.0   1,543.7   1,530.7

  22  Borrowings                                           323.3     369.2     374.0     376.2     392.9     409.0     412.2     409.1         413.5     408.8     407.0     407.5
  23    From banks in the U.S.                             114.1     130.6     130.1     128.8     140.5     156.7     159.9     157.3         157.9     157.6     155.0     153.3
  24    From others                                        209.2     238.6     243.9     247.4     252.4     252.2     252.3     251.8         255.6     251.2     252.0     254.2

  25  Net due to related foreign offices                     9.0       8.6      12.3      11.3      12.4      15.2      13.0      11.5          10.5      12.0      13.3      13.3

  26  Other liabilities                                     62.0      68.5      68.1      68.2      65.0      71.7      74.2      74.9          74.7      75.6      73.3      73.2

  27  TOTAL LIABILITIES                                  2,388.5   2,550.0   2,570.4   2,585.8   2,597.7   2,630.2   2,643.3   2,662.2       2,662.0   2,671.2   2,666.6   2,654.4

  28  Residual (assets less liabilities) (8)               146.5     156.3     166.7     174.0     174.3     153.4     164.4     161.3         160.0     161.7     158.3     161.9



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

  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                                                                                                  April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,211.0   2,354.1   2,381.0   2,404.6   2,426.7   2,419.7   2,429.8   2,441.1       2,442.7   2,447.5   2,443.1   2,450.1

  2     Securities in bank credit                          621.1     649.5     654.6     662.1     672.1     669.9     670.7     680.1         678.7     684.5     687.2     689.1
  3        Treasury and Agency securities (2)              405.3     442.7     448.2     456.1     465.1     462.6     463.6     474.6         473.6     478.1     482.8     483.4
  4        Other securities                                215.8     206.8     206.4     206.0     207.0     207.3     207.1     205.5         205.1     206.4     204.5     205.7

  5     Loans and leases in bank credit (3)              1,589.8   1,704.6   1,726.4   1,742.5   1,754.6   1,749.9   1,759.1   1,761.0       1,764.1   1,763.0   1,755.8   1,761.1
  6        Commercial and industrial                       298.0     302.8     305.8     307.1     309.6     309.2     310.6     311.8         312.9     313.0     309.5     309.0
  7        Real estate                                     920.5     999.7   1,014.5   1,025.4   1,029.6   1,027.1   1,034.9   1,037.4       1,037.7   1,037.3   1,036.0   1,043.2
  8          Revolving home equity                          61.2      74.5      76.1      77.1      78.3      78.7      80.6      81.6          81.9      82.3      81.8      82.3
  9          Other                                         859.3     925.2     938.4     948.2     951.3     948.3     954.4     955.8         955.8     955.0     954.2     961.0
  10       Consumer                                        266.9     288.2     291.4     293.9     299.1     299.7     299.9     297.4         299.6     298.2     295.5     294.3
  10a        Credit card and related plans                 100.8     112.8     115.4     117.4     121.8     120.0     118.7     118.2         120.5     119.1     116.5     115.3
  10h        Other                                         166.0     175.4     176.0     176.5     177.3     179.7     181.3     179.2         179.1     179.2     179.0     179.0
  11       Security (4)                                      7.8       8.0       8.3       8.6       8.5       8.2       8.5       8.8           8.6       8.7       8.8       8.8
  12       Other loans and leases                           96.6     106.0     106.4     107.5     107.9     105.7     105.1     105.6         105.2     105.7     106.0     105.6

  13  Interbank loans                                      101.9     111.9     119.1     123.0     122.2     119.7     125.9     133.5         130.8     132.9     133.8     134.4

  14  Cash assets (5)                                      108.7     126.4     129.2     132.4     133.4     131.4     130.2     127.5         126.1     125.4     133.0     132.7

  15  Other assets (6)                                     141.3     145.8     141.5     143.4     143.6     145.1     149.9     152.6         148.6     147.7     158.1     146.6

  16  TOTAL ASSETS (7)                                   2,532.5   2,706.5   2,738.7   2,771.1   2,793.4   2,783.4   2,803.1   2,821.9       2,815.2   2,820.7   2,835.3   2,831.1

            L I A B I L I T I E S

  17  Deposits                                           1,998.6   2,092.8   2,114.2   2,138.2   2,150.9   2,140.6   2,150.7   2,171.7       2,162.1   2,168.2   2,190.8   2,188.2
  18    Transaction                                        301.8     303.6     314.0     318.4     329.7     320.9     315.4     318.8         318.2     332.6     316.8     316.6
  19    Nontransaction                                   1,696.9   1,789.2   1,800.2   1,819.8   1,821.3   1,819.7   1,835.3   1,852.9       1,843.9   1,835.6   1,874.0   1,871.7
  20       Large time                                      300.8     302.4     305.1     306.9     309.4     308.7     311.7     315.8         315.3     316.5     316.0     316.1
  21       Other                                         1,396.0   1,486.8   1,495.1   1,512.8   1,511.9   1,510.9   1,523.6   1,537.1       1,528.6   1,519.2   1,558.1   1,555.6

  22  Borrowings                                           323.3     369.2     374.0     376.2     392.9     409.0     412.2     409.1         413.5     408.8     407.0     407.5
  23    From banks in the U.S.                             114.1     130.6     130.1     128.8     140.5     156.7     159.9     157.3         157.9     157.6     155.0     153.3
  24    From others                                        209.2     238.6     243.9     247.4     252.4     252.2     252.3     251.8         255.6     251.2     252.0     254.2

  25  Net due to related foreign offices                     9.0       8.6      12.3      11.3      12.4      15.2      13.0      11.5          10.5      12.0      13.3      13.3

  26  Other liabilities                                     62.0      68.5      68.1      68.2      65.0      71.7      74.2      74.9          74.7      75.6      73.3      73.2

  27  TOTAL LIABILITIES                                  2,393.0   2,539.2   2,568.6   2,593.9   2,621.2   2,636.4   2,650.0   2,667.2       2,660.7   2,664.6   2,684.5   2,682.2

  28  Residual (assets less liabilities) (8)               139.5     167.3     170.1     177.2     172.1     146.9     153.1     154.8         154.5     156.1     150.8     148.9




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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                            April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          591.1     619.8     614.6     620.2     636.2     627.6     640.5     658.4         654.7     656.2     659.5     668.4

  2     Securities in bank credit                          228.6     247.6     244.9     248.0     261.5     262.8     272.9     277.0         273.8     271.1     275.6     273.8
  3        Treasury and Agency securities (2)               70.9      87.1      89.0      93.5     102.1     102.7     107.6     111.5         110.4     110.6     115.5     114.9
  4        Other securities                                157.7     160.5     155.9     154.5     159.4     160.1     165.3     165.5         163.5     160.4     160.1     159.0

  5     Loans and leases in bank credit (3)                362.5     372.2     369.7     372.2     374.7     364.8     367.6     381.4         380.9     385.2     383.9     394.6
  6        Commercial and industrial                       195.5     185.0     181.1     178.9     178.5     176.3     172.2     168.9         168.0     168.0     166.9     169.1
  7        Real estate                                      18.0      19.0      19.6      20.0      19.5      18.9      18.1      17.8          17.8      18.0      17.0      16.8
  11       Security (4)                                     79.9      95.2      97.5     104.7     110.2     105.1     112.9     130.0         129.8     135.7     135.6     144.0
  12       Other loans and leases                           69.1      73.0      71.5      68.6      66.4      64.5      64.5      64.7          65.2      63.5      64.5      64.6

  13  Interbank loans                                       20.7      21.2      24.5      25.5      29.7      28.7      28.8      30.5          32.4      30.6      26.8      29.1

  14  Cash assets (5)                                       44.4      46.6      45.5      42.3      45.1      40.1      38.3      42.8          44.2      45.4      44.6      42.4

  15  Other assets (6)                                      24.9      29.0      33.8      34.6      34.8      39.8      41.7      38.1          36.5      35.9      39.6      41.1

  16  TOTAL ASSETS (7)                                     680.7     716.2     718.0     722.2     745.4     735.8     749.0     769.4         767.4     767.8     770.1     780.6

            L I A B I L I T I E S

  17  Deposits                                             482.4     492.3     471.4     452.6     426.0     426.8     443.4     449.2         459.9     438.3     436.6     438.2
  18    Transaction                                         10.2      10.1       9.6       9.2       9.1       9.5       9.7      10.6          10.6      10.4      10.3       9.9
  19    Nontransaction                                     472.2     482.2     461.8     443.3     416.8     417.3     433.6     438.6         449.3     428.0     426.3     428.3

  22  Borrowings                                           187.5     225.1     232.7     251.2     276.7     271.5     276.8     299.4         291.9     311.5     300.9     316.4
  23    From banks in the U.S.                              20.8      22.6      23.0      25.2      29.8      31.0      31.4      34.3          31.8      33.0      33.2      30.4
  24    From others                                        166.6     202.5     209.7     226.0     246.9     240.5     245.4     265.1         260.1     278.6     267.7     286.0

  25  Net due to related foreign offices                   -72.5     -83.8     -71.6     -73.3     -59.2     -70.0     -78.6     -85.4         -84.3     -93.9     -72.8     -77.6

  26  Other liabilities                                     73.4      93.8      99.7      99.3     102.0      98.8     101.1      95.3          91.8      90.4      88.4      89.4

  27  TOTAL LIABILITIES                                    670.8     727.4     732.2     729.7     745.5     727.2     742.7     758.5         759.2     746.4     753.1     766.4

  28  Residual (assets less liabilities) (8)                 9.9     -11.2     -14.2      -7.5      -0.2       8.6       6.3      10.9           8.1      21.4      17.1      14.3



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

  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                                                                                                                        April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          591.0     616.3     614.1     623.8     646.2     635.5     645.0     656.2         654.3     652.0     652.4     656.4

  2     Securities in bank credit (2)                      228.6     247.6     244.9     248.0     261.5     262.8     272.9     277.0         273.8     271.1     275.6     273.8
  3        Treasury and Agency securities                   70.9      87.1      89.0      93.5     102.1     102.7     107.6     111.5         110.4     110.6     115.5     114.9
  3a         Trading account                                 9.3      16.1      18.6      20.3      30.7      32.1      34.9      34.6          32.3      33.8      38.1      36.9
  3b         Investment account                             61.6      71.0      70.4      73.2      71.4      70.7      72.7      76.9          78.1      76.8      77.4      78.0
  4        Other securities                                157.7     160.5     155.9     154.5     159.4     160.1     165.3     165.5         163.5     160.4     160.1     159.0
  4a         Trading account                               100.3     105.1     101.5     100.4     101.4     101.2     100.3      98.9          95.9      94.3      95.6      95.4
  4b         Investment account                             57.4      55.4      54.4      54.0      58.0      58.8      65.0      66.6          67.6      66.1      64.5      63.6

  5     Loans and leases in bank credit (3)                362.4     368.7     369.2     375.8     384.7     372.7     372.1     379.2         380.5     380.9     376.8     382.6
  6        Commercial and industrial                       197.2     184.9     181.2     180.3     180.0     176.4     173.6     170.4         170.1     169.4     168.0     168.1
  7        Real estate                                      18.0      19.0      19.6      20.0      19.5      18.9      18.1      17.8          17.8      18.0      17.0      16.8
  11       Security (4)                                     77.1      92.3      97.5     106.8     116.8     112.2     115.8     125.5         126.5     129.1     126.6     132.7
  12       Other loans and leases                           70.1      72.4      70.9      68.8      68.3      65.2      64.6      65.5          66.1      64.5      65.3      64.9

  13  Interbank loans                                       20.7      21.2      24.5      25.5      29.7      28.7      28.8      30.5          32.4      30.6      26.8      29.1

  14  Cash assets (5)                                       43.2      46.3      46.6      44.7      48.3      43.0      39.3      41.6          42.8      44.0      43.2      40.1

  15  Other assets (6)                                      25.5      29.0      33.3      34.5      35.9      41.1      42.3      39.0          37.2      36.3      39.9      41.0

  16  TOTAL ASSETS (7)                                     680.0     712.4     718.1     728.1     759.7     748.0     755.1     767.0         766.3     762.4     762.0     766.3

            L I A B I L I T I E S

  17  Deposits                                             486.9     474.1     459.1     452.7     436.8     443.0     453.5     453.3         462.1     445.0     442.5     440.9
  18    Transaction                                          9.9      10.3       9.8       9.5       9.9       9.8       9.7      10.3          10.2      10.0      10.2       9.3
  19    Nontransaction                                     477.0     463.9     449.3     443.1     426.8     433.1     443.8     443.0         451.9     435.0     432.4     431.5

  22  Borrowings                                           187.5     225.1     232.7     251.2     276.7     271.5     276.8     299.4         291.9     311.5     300.9     316.4
  23    From banks in the U.S.                              20.8      22.6      23.0      25.2      29.8      31.0      31.4      34.3          31.8      33.0      33.2      30.4
  24    From others                                        166.6     202.5     209.7     226.0     246.9     240.5     245.4     265.1         260.1     278.6     267.7     286.0

  25  Net due to related foreign offices                   -69.6     -82.2     -73.1     -74.7     -57.5     -67.4     -77.4     -83.1         -81.5     -88.9     -71.6     -80.0

  26  Other liabilities                                     74.6      94.8      98.8      98.4     103.2     100.6     102.0      96.8          93.7      93.7      89.2      87.9

  27  TOTAL LIABILITIES                                    679.4     711.8     717.6     727.6     759.3     747.6     754.9     766.4         766.1     761.4     761.0     765.2

  28  Residual (assets less liabilities) (8)                 0.5       0.6       0.5       0.5       0.4       0.4       0.2       0.6           0.2       1.1       1.1       1.1







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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars                                                                                                                        April 18, 2003


               Account                                    2002      2002      2002      2002      2002      2003      2003      2003                      Week ending
                                                           Mar       Sep       Oct       Nov       Dec       Jan       Feb       Mar         Mar 19    Mar 26     Apr 2     Apr 9 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)              73.2     117.2     102.4     105.2     112.6     107.9     117.0     115.5         106.4     108.7     106.9     106.0

  30  Reval. losses on off-bal. sheet items (9)             53.0      98.6      85.7      89.0      93.8      86.2      94.9      91.3          82.4      82.7      82.7      81.7

  31  Mortgage-backed securities (10)                      299.7     343.9     355.2     370.4     363.1     368.8     374.8     379.3         376.7     374.1     383.4     376.3
  31a   Pass-through                                       201.6     255.0     261.7     274.6     265.6     271.2     276.5     275.8         276.4     271.2     270.8     263.9
  31b   CMO, REMIC, and other                               98.0      88.9      93.5      95.8      97.4      97.6      98.3     103.5         100.3     102.9     112.6     112.3

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                   3.2      11.5      11.9      11.3      10.7      12.1      12.0      12.1          11.2      11.4      10.7      11.4

  33  Offshore credit to U.S. residents (12)                19.8      19.0      18.4      18.5      18.7      18.3      18.2      18.2          18.3      18.5      17.7      17.7

  34  Securitized consumer loans (13)                      133.8     141.9     144.3     148.5     150.1     149.7     150.6     152.5         151.9     153.6     154.3     154.2
  34a   Credit card and related plans                      120.4     125.0     127.5     131.4     133.2     132.2     134.8     136.7         136.0     137.6     138.5     138.5
  34b   Other                                               13.4      16.9      16.9      17.0      16.9      17.5      15.8      15.8          16.0      15.9      15.8      15.7

  35  Securitized business loans (13)                       18.1      17.8      17.8      17.4      17.2      16.9      17.2      16.8          16.8      16.7      16.5      16.4


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      276.2     303.9     304.2     307.8     312.1     311.2     316.8     327.9         327.4     328.7     334.6     334.8

  34  Securitized consumer loans (13)                      203.2     199.9     198.3     198.7     201.3     205.6     204.5     203.2         201.6     203.3     203.9     204.9
  34a   Credit card and related plans                      195.5     195.9     189.3     189.8     192.5     197.1     196.0     194.8         193.1     194.9     195.4     196.5
  34b   Other                                                7.7       3.9       8.9       8.9       8.7       8.5       8.4       8.5           8.5       8.5       8.4       8.4


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              47.2      63.0      61.9      63.3      64.2      66.8      66.8      64.6          62.2      60.8      62.1      61.7

  30  Reval. losses on off-bal. sheet items (9)             40.6      61.7      60.2      60.3      60.0      63.0      65.0      63.5          61.1      59.7      60.2      59.8

  35  Securitized business loans (13)                       12.4       8.1       7.6       7.2       6.7       5.6       4.7       4.1           4.5       3.5       3.4       3.4











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                    April 18, 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.  The fair value of derivative contracts in a gain position is included in "Other securities, trading account," balance sheet item 4a. The fair value 
      of derivative contracts in a loss position is included in "Other liabilities," balance sheet item 26.
  10. Includes mortgage-backed securities issued by U.S. government agencies, U.S. government-sponsored enterprises, and private entities.
  11. Difference between fair value and historical cost for securities classified as available-for-sale under FASB Statement No. 115. Data are reported net of tax effects. Data
      shown are restated to include an estimate of these tax effects.
  12. Mainly commercial and industrial loans, but also includes an unknown amount of credit extended to entities other than nonfinancial businesses.
  13. Total amount outstanding.
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