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 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,418.5 5,729.3 5,759.4 5,838.2 5,894.8 5,889.3 5,964.3 5,994.3 5,972.9 5,994.2 6,010.5 5,985.2 2 Securities in bank credit 1,479.4 1,639.5 1,637.3 1,679.4 1,708.7 1,702.1 1,744.4 1,755.0 1,740.8 1,752.4 1,741.1 1,728.0 3 Treasury and Agency securities (2) 846.1 959.4 973.8 1,004.3 1,020.0 1,021.5 1,047.3 1,057.2 1,054.1 1,066.5 1,059.7 1,051.2 4 Other securities 633.3 680.1 663.5 675.2 688.7 680.6 697.1 697.8 686.7 685.9 681.4 676.9 5 Loans and leases in bank credit (3) 3,939.1 4,089.8 4,122.2 4,158.8 4,186.0 4,187.2 4,219.9 4,239.4 4,232.0 4,241.8 4,269.4 4,257.2 6 Commercial and industrial 1,017.1 973.8 969.1 968.2 966.2 961.0 953.2 946.4 944.6 943.8 944.4 946.7 7 Real estate 1,790.9 1,939.5 1,972.8 2,007.7 2,029.7 2,046.1 2,076.6 2,091.7 2,078.8 2,098.7 2,121.3 2,120.6 8 Revolving home equity 167.3 201.2 205.1 209.2 213.8 217.7 222.3 229.4 230.4 232.1 232.7 232.7 9 Other 1,623.6 1,738.4 1,767.7 1,798.6 1,815.9 1,828.4 1,854.4 1,862.3 1,848.4 1,866.6 1,888.5 1,887.9 10 Consumer 560.7 583.1 584.9 585.7 588.3 592.8 593.9 590.9 591.6 589.8 587.5 589.2 11 Security (4) 161.7 180.9 183.0 185.8 189.5 176.5 185.9 202.0 211.0 204.6 217.5 198.9 12 Other loans and leases 408.7 412.4 412.3 411.3 412.4 410.9 410.3 408.3 406.0 404.8 398.8 401.8 13 Interbank loans 269.7 317.7 328.1 325.5 328.4 307.7 305.7 316.0 316.2 318.8 293.1 306.3 14 Cash assets (5) 299.9 318.1 317.8 315.4 316.9 312.9 316.0 322.1 318.2 325.9 307.8 320.1 15 Other assets (6) 463.9 496.6 507.5 509.9 507.5 508.8 534.9 528.3 525.4 525.8 539.5 541.7 16 TOTAL ASSETS (7) 6,376.6 6,786.0 6,836.5 6,912.2 6,971.0 6,941.3 7,043.4 7,082.8 7,054.8 7,087.1 7,074.1 7,076.3 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 4,488.3 4,510.5 4,537.4 4,586.4 4,575.9 4,616.3 4,567.0 4,602.3 18 Transaction 623.5 582.7 609.7 605.9 611.3 607.6 612.9 618.2 653.5 598.1 584.9 609.9 19 Nontransaction 3,669.5 3,895.7 3,876.9 3,903.4 3,877.1 3,902.9 3,924.5 3,968.2 3,922.4 4,018.2 3,982.1 3,992.4 20 Large time 1,022.2 1,044.2 1,024.8 1,006.0 979.7 984.0 999.6 1,005.5 997.6 999.3 985.6 976.7 21 Other 2,647.2 2,851.4 2,852.1 2,897.4 2,897.4 2,918.9 2,925.0 2,962.7 2,924.8 3,018.9 2,996.5 3,015.7 22 Borrowings 1,206.2 1,322.8 1,332.0 1,366.1 1,396.9 1,333.6 1,369.2 1,395.3 1,398.0 1,385.8 1,405.2 1,402.8 23 From banks in the U.S. 383.0 415.9 414.9 421.9 417.5 380.5 386.9 395.6 385.7 398.9 391.2 400.6 24 From others 823.2 906.9 917.1 944.2 979.5 953.1 982.4 999.6 1,012.4 986.9 1,014.0 1,002.1 25 Net due to related foreign offices 102.3 99.1 117.5 122.9 152.0 156.7 145.8 139.7 125.5 143.8 154.1 149.3 26 Other liabilities 316.2 432.7 427.8 431.4 441.6 443.3 452.8 444.2 432.8 440.4 445.2 447.2 27 TOTAL LIABILITIES 5,917.7 6,332.9 6,364.0 6,429.7 6,478.9 6,444.0 6,505.3 6,565.5 6,532.3 6,586.3 6,571.4 6,601.6 28 Residual (assets less liabilities) (8) 458.9 453.1 472.5 482.5 492.1 497.3 538.0 517.3 522.5 500.7 502.7 474.8 ------------------------------------------------- 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 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,409.2 5,725.9 5,761.3 5,853.6 5,928.8 5,906.6 5,967.9 5,982.7 5,945.9 5,977.6 5,988.8 5,991.3 2 Securities in bank credit 1,483.4 1,638.3 1,635.1 1,682.7 1,715.3 1,712.5 1,753.5 1,760.0 1,739.7 1,755.0 1,742.9 1,728.2 3 Treasury and Agency securities (2) 850.1 959.3 969.8 1,006.0 1,024.3 1,026.3 1,053.6 1,062.1 1,055.2 1,070.9 1,064.8 1,052.8 4 Other securities 633.3 679.0 665.3 676.7 691.1 686.2 699.9 697.9 684.4 684.1 678.1 675.4 5 Loans and leases in bank credit (3) 3,925.9 4,087.6 4,126.1 4,170.8 4,213.4 4,194.1 4,214.3 4,222.7 4,206.2 4,222.6 4,245.9 4,263.0 6 Commercial and industrial 1,018.7 972.2 969.5 968.2 964.9 955.1 951.2 947.8 945.8 947.4 945.0 951.1 7 Real estate 1,783.5 1,941.2 1,974.4 2,012.3 2,034.3 2,046.5 2,072.4 2,082.7 2,067.4 2,090.0 2,115.6 2,116.8 8 Revolving home equity 165.9 201.8 205.6 209.0 213.4 217.1 222.6 227.4 227.7 229.6 230.7 232.0 9 Other 1,617.6 1,739.3 1,768.8 1,803.2 1,820.9 1,829.4 1,849.8 1,855.4 1,839.6 1,860.3 1,884.8 1,884.8 10 Consumer 558.1 582.1 585.3 588.1 597.1 600.5 597.1 588.6 588.7 585.4 582.3 585.5 10a Credit card and related plans 219.9 230.9 232.0 231.6 238.6 234.8 228.0 223.7 223.4 219.6 217.7 219.8 10b Other 338.3 351.2 353.2 356.5 358.6 365.6 369.1 364.9 365.3 365.7 364.7 365.8 11 Security (4) 158.4 179.4 185.2 190.2 200.1 182.8 187.6 197.2 201.8 192.8 203.6 206.4 12 Other loans and leases 407.1 412.8 411.7 412.1 417.0 409.3 405.9 406.4 402.5 407.1 399.4 403.2 13 Interbank loans 274.7 310.1 320.9 330.6 335.4 304.5 302.9 322.5 311.8 337.2 314.8 327.9 14 Cash assets (5) 289.8 314.3 320.9 325.2 339.1 328.8 316.5 311.4 300.3 325.6 297.9 326.6 15 Other assets (6) 463.2 500.1 507.4 513.4 512.4 512.6 532.5 527.6 519.0 530.0 541.5 541.4 16 TOTAL ASSETS (7) 6,361.3 6,774.7 6,834.7 6,946.1 7,039.1 6,975.3 7,041.9 7,065.9 6,999.1 7,092.9 7,066.3 7,110.3 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 4,539.1 4,533.8 4,558.3 4,593.6 4,553.0 4,652.5 4,614.3 4,653.9 18 Transaction 615.0 577.8 606.8 613.5 644.1 621.6 605.2 609.9 633.6 609.7 588.2 631.5 19 Nontransaction 3,684.5 3,863.9 3,863.3 3,910.8 3,895.0 3,912.2 3,953.1 3,983.7 3,919.4 4,042.8 4,026.0 4,022.4 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 1,000.2 1,002.3 988.1 980.8 21 Other 2,658.8 2,840.2 2,849.3 2,900.9 2,902.6 2,911.6 2,942.9 2,975.5 2,919.2 3,040.5 3,038.0 3,041.6 22 Borrowings 1,202.9 1,320.5 1,334.6 1,367.4 1,396.1 1,346.7 1,371.4 1,391.6 1,388.6 1,377.2 1,394.8 1,402.0 23 From banks in the U.S. 386.2 409.1 413.4 418.6 419.2 385.1 390.4 399.1 387.2 401.8 392.9 404.0 24 From others 816.7 911.4 921.1 948.8 976.8 961.6 981.1 992.6 1,001.3 975.4 1,001.9 998.0 25 Net due to related foreign offices 101.7 101.4 119.5 126.8 158.2 160.7 151.3 137.7 126.6 137.8 138.3 133.0 26 Other liabilities 314.1 435.0 431.5 437.5 448.6 447.0 459.1 440.4 431.1 431.5 426.4 427.7 27 TOTAL LIABILITIES 5,918.1 6,298.6 6,355.6 6,456.0 6,541.9 6,488.2 6,540.2 6,563.3 6,499.2 6,598.9 6,573.8 6,616.7 28 Residual (assets less liabilities) (8) 443.2 476.0 479.1 490.1 497.2 487.1 501.6 502.6 499.9 494.0 492.5 493.6 ------------------------------------------------- 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 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,827.4 5,109.4 5,144.9 5,218.0 5,258.6 5,261.7 5,323.8 5,335.9 5,316.5 5,334.5 5,341.9 5,342.3 2 Securities in bank credit 1,250.9 1,391.9 1,392.4 1,431.5 1,446.9 1,439.3 1,471.5 1,477.9 1,469.7 1,476.7 1,467.2 1,458.1 3 Treasury and Agency securities (2) 775.2 872.4 884.8 910.8 918.1 918.8 939.7 945.6 943.5 951.0 944.8 938.4 4 Other securities 475.6 519.6 507.6 520.7 528.8 520.5 531.8 532.3 526.2 525.7 522.3 519.7 5 Loans and leases in bank credit (3) 3,576.6 3,717.5 3,752.5 3,786.5 3,811.7 3,822.4 3,852.3 3,857.9 3,846.8 3,857.8 3,874.8 3,884.2 6 Commercial and industrial 821.7 788.8 788.0 789.2 787.8 784.6 781.0 777.4 776.5 776.8 775.2 777.1 7 Real estate 1,772.9 1,920.5 1,953.2 1,987.8 2,010.2 2,027.2 2,058.6 2,073.9 2,060.8 2,081.8 2,104.4 2,103.9 8 Revolving home equity 167.3 201.2 205.1 209.2 213.8 217.7 222.3 229.4 230.4 232.1 232.7 232.7 9 Other 1,605.5 1,719.3 1,748.1 1,778.6 1,796.4 1,809.5 1,836.3 1,844.5 1,830.4 1,849.6 1,871.7 1,871.2 10 Consumer 560.7 583.1 584.9 585.7 588.3 592.8 593.9 590.9 591.6 589.8 587.5 589.2 11 Security (4) 81.8 85.7 85.6 81.1 79.4 71.4 73.0 71.9 75.3 69.0 73.4 76.1 12 Other loans and leases 339.6 339.4 340.8 342.7 346.0 346.5 345.9 343.8 342.6 340.5 334.2 337.9 13 Interbank loans 249.0 296.5 303.6 300.0 298.3 279.0 276.8 285.5 285.6 291.9 263.9 281.3 14 Cash assets (5) 255.5 271.5 272.2 273.0 272.3 272.9 277.7 279.7 273.7 282.2 266.4 273.4 15 Other assets (6) 439.0 467.6 473.7 475.3 471.6 468.8 493.3 490.1 489.3 486.1 498.1 499.7 16 TOTAL ASSETS (7) 5,695.9 6,069.8 6,118.5 6,190.0 6,224.7 6,205.4 6,294.4 6,313.6 6,287.5 6,317.5 6,293.9 6,320.2 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 4,062.7 4,083.7 4,094.1 4,137.2 4,137.6 4,179.6 4,128.3 4,161.2 18 Transaction 613.4 572.6 600.1 596.7 602.1 598.0 603.2 607.6 643.2 587.7 574.9 599.9 19 Nontransaction 3,197.3 3,413.4 3,415.1 3,460.0 3,460.6 3,485.7 3,490.9 3,529.6 3,494.4 3,591.9 3,553.4 3,561.3 20 Large time 552.0 568.3 571.2 571.6 571.0 582.2 587.8 587.5 584.8 590.9 578.7 572.0 21 Other 2,645.3 2,845.1 2,843.9 2,888.4 2,889.6 2,903.5 2,903.1 2,942.0 2,909.6 3,001.0 2,974.7 2,989.3 22 Borrowings 1,018.7 1,097.7 1,099.4 1,114.9 1,119.1 1,061.9 1,092.4 1,095.8 1,086.5 1,084.9 1,093.7 1,100.6 23 From banks in the U.S. 362.2 393.3 391.9 396.7 387.6 349.5 355.5 361.3 352.7 365.7 366.0 374.5 24 From others 656.6 704.4 707.4 718.1 731.5 712.4 737.0 734.5 733.8 719.2 727.7 726.1 25 Net due to related foreign offices 174.8 182.8 189.1 196.3 211.2 226.6 224.5 225.3 219.8 217.2 227.7 228.7 26 Other liabilities 242.8 338.9 328.1 332.1 339.5 344.4 351.7 348.9 342.5 352.0 355.7 354.0 27 TOTAL LIABILITIES 5,246.9 5,605.5 5,631.8 5,700.0 5,732.5 5,716.7 5,762.7 5,807.2 5,786.4 5,833.8 5,805.5 5,844.4 28 Residual (assets less liabilities) (8) 449.0 464.3 486.7 490.0 492.2 488.7 531.8 506.4 501.1 483.7 488.5 475.8 ------------------------------------------------- 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 April 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,818.3 5,109.6 5,147.2 5,229.8 5,282.6 5,271.1 5,322.9 5,326.4 5,293.8 5,325.0 5,332.2 5,342.2 2 Securities in bank credit 1,254.8 1,390.8 1,390.2 1,434.8 1,453.5 1,449.7 1,480.6 1,482.9 1,468.6 1,479.3 1,469.0 1,458.3 3 Treasury and Agency securities (2) 779.2 872.2 880.8 912.5 922.3 923.6 946.0 950.6 944.6 955.4 949.9 940.1 4 Other securities 475.6 518.6 509.4 522.3 531.2 526.1 534.6 532.3 524.0 523.9 519.0 518.2 5 Loans and leases in bank credit (3) 3,563.4 3,718.9 3,757.0 3,795.0 3,829.1 3,821.4 3,842.2 3,843.5 3,825.2 3,845.6 3,863.2 3,883.9 6 Commercial and industrial 821.5 787.3 788.3 787.9 785.1 778.6 777.5 777.2 776.3 779.2 776.8 782.1 7 Real estate 1,765.5 1,922.1 1,954.9 1,992.3 2,014.8 2,027.6 2,054.4 2,064.9 2,049.4 2,073.0 2,098.7 2,100.1 8 Revolving home equity 165.9 201.8 205.6 209.0 213.4 217.1 222.6 227.4 227.7 229.6 230.7 232.0 9 Other 1,599.6 1,720.3 1,749.3 1,783.3 1,801.4 1,810.5 1,831.8 1,837.6 1,821.6 1,843.3 1,868.0 1,868.0 10 Consumer 558.1 582.1 585.3 588.1 597.1 600.5 597.1 588.6 588.7 585.4 582.3 585.5 10a Credit card and related plans 219.9 230.9 232.0 231.6 238.6 234.8 228.0 223.7 223.4 219.6 217.7 219.8 10d Other 338.3 351.2 353.2 356.5 358.6 365.6 369.1 364.9 365.3 365.7 364.7 365.8 11 Security (4) 81.3 87.1 87.8 83.4 83.4 70.6 71.8 71.6 72.7 66.1 70.8 77.6 12 Other loans and leases 337.0 340.3 340.8 343.3 348.7 344.2 341.4 341.0 338.1 341.9 334.5 338.6 13 Interbank loans 254.1 288.9 296.4 305.0 305.4 275.8 274.0 291.9 281.2 310.4 285.7 302.9 14 Cash assets (5) 246.6 268.0 274.3 280.4 291.3 285.8 277.2 270.1 257.1 283.3 258.7 282.0 15 Other assets (6) 437.7 471.1 474.1 478.9 475.4 471.3 490.2 488.5 482.6 489.8 500.1 499.7 16 TOTAL ASSETS (7) 5,681.3 6,062.3 6,116.7 6,218.0 6,278.6 6,227.2 6,286.8 6,299.1 6,237.1 6,331.4 6,300.4 6,350.2 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 4,102.6 4,090.9 4,104.8 4,140.3 4,108.0 4,209.9 4,172.9 4,207.7 18 Transaction 605.2 567.5 596.9 604.0 634.1 611.8 595.5 599.6 623.6 599.5 578.9 622.1 19 Nontransaction 3,207.4 3,400.1 3,414.0 3,467.6 3,468.5 3,479.1 3,509.3 3,540.7 3,484.4 3,610.4 3,594.0 3,585.6 20 Large time 550.6 565.9 572.7 575.7 573.8 583.5 588.8 586.0 580.7 588.0 578.0 570.8 21 Other 2,656.9 2,834.1 2,841.4 2,892.0 2,894.7 2,895.6 2,920.5 2,954.6 2,903.7 3,022.4 3,016.0 3,014.8 22 Borrowings 1,015.4 1,095.4 1,101.9 1,116.2 1,118.2 1,075.0 1,094.6 1,092.2 1,077.0 1,076.3 1,083.3 1,099.9 23 From banks in the U.S. 365.4 386.5 390.4 393.5 389.3 354.0 359.0 364.7 354.3 368.6 367.7 377.9 24 From others 650.0 708.9 711.5 722.7 728.9 721.0 735.6 727.5 722.8 707.7 715.7 722.0 25 Net due to related foreign offices 171.3 183.6 192.5 201.5 215.6 228.1 228.8 221.0 215.9 209.9 214.3 214.3 26 Other liabilities 239.4 340.2 332.6 339.1 345.3 346.4 357.2 343.6 337.4 342.3 338.4 335.7 27 TOTAL LIABILITIES 5,238.7 5,586.9 5,638.1 5,728.4 5,781.8 5,740.4 5,785.4 5,797.1 5,738.3 5,838.5 5,809.0 5,857.6 28 Residual (assets less liabilities) (8) 442.7 475.4 478.6 489.6 496.8 486.7 501.4 502.0 498.8 492.9 491.4 492.6 ------------------------------------------------- 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 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,624.7 2,769.7 2,778.5 2,829.2 2,858.2 2,857.2 2,904.0 2,901.2 2,877.1 2,888.4 2,890.0 2,891.2 2 Securities in bank credit 633.7 744.3 737.5 770.1 779.5 773.8 804.9 802.4 791.0 792.7 780.4 775.6 3 Treasury and Agency securities (2) 373.9 431.5 436.2 455.4 457.7 460.8 479.5 475.9 471.5 471.9 463.9 460.4 3a Trading account 32.9 42.4 37.7 47.9 44.5 41.5 54.8 42.1 37.5 38.2 39.9 41.7 3b Investment account 340.9 389.1 398.5 407.5 413.1 419.2 424.7 433.8 434.0 433.7 424.0 418.8 4 Other securities 259.8 312.8 301.3 314.7 321.8 313.0 325.3 326.4 319.5 320.8 316.4 315.2 4a Trading account 122.2 171.3 153.8 161.0 164.9 159.7 172.2 171.3 164.1 164.5 160.9 159.4 4b Investment account 137.6 141.5 147.5 153.7 157.0 153.3 153.1 155.1 155.4 156.3 155.6 155.8 4c State and local government 27.6 28.4 28.8 29.3 29.5 29.4 29.6 30.1 30.4 30.3 30.8 30.7 4d Other 110.0 113.1 118.7 124.4 127.5 123.9 123.5 125.0 125.1 126.0 124.8 125.1 5 Loans and leases in bank credit (3) 1,991.0 2,025.4 2,041.0 2,059.1 2,078.7 2,083.4 2,099.2 2,098.8 2,086.0 2,095.7 2,109.7 2,115.6 6 Commercial and industrial 527.3 487.8 485.4 484.0 481.9 479.2 474.2 470.4 469.7 469.1 468.6 469.9 7 Real estate 854.9 926.2 944.6 969.2 989.6 1,005.6 1,027.2 1,036.6 1,023.9 1,041.4 1,058.1 1,056.6 8 Revolving home equity 106.3 127.5 129.9 132.8 136.8 139.9 142.3 147.8 148.2 149.5 149.9 149.9 9 Other 748.6 798.6 814.7 836.4 852.8 865.7 884.9 888.8 875.7 891.9 908.2 906.7 10 Consumer 291.5 297.5 297.9 296.3 296.4 296.6 294.5 291.0 290.7 290.3 288.5 289.4 11 Security (4) 74.4 77.8 77.3 72.9 71.1 62.9 64.4 63.5 66.6 60.7 65.4 67.7 11a Fed funds and RPs with broker/dealer 61.8 67.8 67.0 62.1 60.8 52.3 53.7 52.1 54.5 49.7 53.6 56.7 11b Other 12.5 9.9 10.3 10.8 10.4 10.6 10.7 11.4 12.1 11.0 11.8 11.0 12a State and local government 13.4 13.1 13.0 12.1 11.8 12.0 12.2 12.4 12.5 12.5 12.4 12.4 12b Agricultural 9.4 8.2 8.1 8.1 8.2 8.1 7.8 7.8 7.8 7.7 7.7 7.6 12c Fed funds and RPs with others 21.6 19.9 19.3 18.7 22.6 23.0 23.4 23.0 21.2 20.6 19.2 21.6 12d All other loans 67.2 68.5 70.5 73.8 74.4 75.4 75.0 74.0 73.8 73.6 70.7 71.4 12e Lease financing receivables 131.3 126.5 124.9 124.0 122.7 120.8 120.5 120.1 119.9 119.8 119.0 118.9 13 Interbank loans 153.1 184.0 184.1 181.6 179.4 153.5 150.3 159.1 152.6 171.6 151.1 159.9 13a Fed funds and RPs with banks 81.6 90.6 85.6 88.5 86.2 85.7 81.1 89.5 81.6 103.8 83.5 88.5 13b Other 71.5 93.3 98.5 93.1 93.2 67.8 69.2 69.7 71.0 67.8 67.6 71.5 14 Cash assets (5) 144.0 145.7 144.6 146.0 147.1 146.8 148.2 148.5 141.7 148.8 136.4 146.9 15 Other assets (6) 298.5 322.7 333.2 332.9 328.8 324.5 345.1 339.3 343.3 329.1 341.4 344.1 16 TOTAL ASSETS (7) 3,175.6 3,378.4 3,396.5 3,445.5 3,469.7 3,437.5 3,503.0 3,503.3 3,469.8 3,493.5 3,475.2 3,498.4 ------------------------------------------------- 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) April 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,827.1 1,893.2 1,910.2 1,937.7 1,947.5 1,960.8 1,961.3 1,979.9 1,974.0 2,006.8 1,968.7 1,991.1 18 Transaction 311.1 270.9 288.7 284.5 287.6 285.0 287.2 287.5 304.6 274.6 265.1 293.0 19 Nontransaction 1,516.1 1,622.3 1,621.5 1,653.2 1,659.9 1,675.8 1,674.2 1,692.5 1,669.4 1,732.2 1,703.6 1,698.1 20 Large time 252.1 266.9 267.1 265.7 262.6 274.5 277.2 272.6 269.4 275.0 263.0 256.3 21 Other 1,264.0 1,355.4 1,354.4 1,387.5 1,397.2 1,401.3 1,397.0 1,419.9 1,400.0 1,457.2 1,440.6 1,441.8 22 Borrowings 697.6 730.7 727.6 740.9 729.7 654.8 681.9 688.0 679.2 677.4 681.0 692.3 23 From banks in the U.S. 249.0 263.5 262.7 268.8 248.9 193.5 196.1 204.5 195.7 210.7 208.9 218.1 24 From others 448.6 467.2 464.9 472.1 480.9 461.3 485.7 483.5 483.5 466.7 472.1 474.2 25 Net due to related foreign offices 165.7 174.2 176.8 185.0 198.8 211.4 211.5 213.8 207.8 203.9 215.2 216.1 26 Other liabilities 181.4 271.3 261.0 264.9 274.5 273.7 278.8 274.9 268.0 278.9 283.4 279.9 27 TOTAL LIABILITIES 2,871.8 3,069.3 3,075.5 3,128.5 3,150.5 3,100.7 3,133.5 3,156.7 3,129.0 3,167.0 3,148.3 3,179.3 28 Residual (assets less liabilities) (8) 303.7 309.1 321.0 316.9 319.2 336.8 369.5 346.6 340.8 326.5 327.0 319.1 ------------------------------------------------- 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 April 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,619.2 2,767.5 2,778.4 2,837.5 2,870.7 2,864.6 2,906.2 2,895.0 2,858.2 2,881.6 2,883.1 2,892.0 2 Securities in bank credit 635.4 743.0 737.5 774.5 784.6 782.4 813.2 804.7 786.2 792.4 780.0 774.2 3 Treasury and Agency securities (2) 375.6 431.3 434.4 458.3 460.4 463.8 485.0 478.2 468.9 473.3 466.9 460.4 3a Trading account 33.1 42.4 37.6 48.2 44.8 41.8 55.5 42.4 37.3 38.3 40.2 41.7 3b Investment account 342.5 388.9 396.9 410.1 415.6 422.0 429.6 435.8 431.6 434.9 426.7 418.7 3c Mortgage-backed 263.5 308.3 313.2 324.8 317.2 323.3 329.5 332.8 328.2 336.0 329.6 322.5 3d Other 78.9 80.5 83.7 85.3 98.4 98.7 100.1 103.0 103.4 98.9 97.1 96.2 3e 1 year or less 20.2 20.2 22.1 23.5 24.5 21.6 23.1 24.6 24.8 22.9 24.1 24.5 3f Between 1 and 5 years 46.2 47.2 51.0 48.0 57.4 59.3 58.1 57.9 60.6 58.1 55.5 54.9 3g More than 5 years 12.5 13.1 10.6 13.8 16.6 17.8 18.9 20.5 18.1 17.9 17.5 16.9 4 Other securities 259.8 311.7 303.0 316.2 324.2 318.6 328.2 326.5 317.2 319.1 313.1 313.8 4a Trading account 122.2 170.7 154.7 161.8 166.1 162.5 173.7 171.4 162.9 163.7 159.2 158.7 4b Investment account 137.6 141.0 148.4 154.5 158.1 156.0 154.4 155.1 154.3 155.5 154.0 155.1 4c State and local government 27.6 28.4 29.0 29.4 29.7 30.0 29.8 30.1 30.1 30.2 30.5 30.6 4d Other 110.0 112.7 119.4 125.0 128.4 126.1 124.6 125.0 124.2 125.3 123.5 124.5 5 Loans and leases in bank credit (3) 1,983.9 2,024.5 2,040.9 2,063.0 2,086.1 2,082.2 2,093.0 2,090.4 2,072.0 2,089.2 2,103.1 2,117.8 6 Commercial and industrial 527.2 487.9 485.9 484.2 479.3 474.7 472.2 470.4 469.1 471.1 469.2 472.6 7 Real estate 849.4 927.2 945.2 971.9 990.9 1,004.5 1,022.9 1,029.7 1,015.2 1,034.9 1,054.8 1,054.4 8 Revolving home equity 105.1 127.9 130.2 132.5 135.9 139.0 142.6 146.1 146.1 147.7 148.5 149.6 9a Other residential 430.3 483.9 496.4 520.5 536.5 546.2 561.0 564.1 549.1 569.1 588.7 587.2 9b Commercial 314.0 315.4 318.6 318.9 318.4 319.4 319.4 319.6 320.0 318.1 317.6 317.6 10 Consumer 291.9 294.6 294.6 294.9 298.9 301.4 297.7 291.6 290.9 290.0 288.2 289.8 10a Credit card and related plans 119.4 118.5 117.1 114.6 117.3 115.3 109.7 105.9 104.8 103.5 102.4 103.3 10f Other 172.6 176.1 177.5 180.3 181.6 186.1 188.0 185.8 186.1 186.5 185.8 186.5 11 Security (4) 73.6 79.1 79.6 74.9 75.0 62.4 63.3 62.9 64.1 57.3 62.0 68.6 11a Fed funds and RPs with broker/dealer 61.2 69.1 69.0 63.8 64.1 51.9 52.8 51.6 52.5 47.0 50.8 57.5 11b Other 12.4 10.1 10.6 11.1 10.9 10.5 10.5 11.3 11.6 10.4 11.2 11.2 12a State and local government 13.4 13.1 13.0 12.1 11.8 12.0 12.2 12.4 12.5 12.5 12.4 12.4 12b Agricultural 9.3 8.2 8.0 8.0 8.1 8.1 7.7 7.7 7.7 7.7 7.6 7.6 12c Fed funds and RPs with others 21.6 19.9 19.3 18.7 22.6 23.0 23.4 23.0 21.2 20.6 19.2 21.6 12d All other loans 65.1 69.6 70.8 74.7 76.4 73.5 71.7 71.8 71.0 74.7 70.1 71.3 12e Lease financing receivables 132.1 124.8 124.3 123.5 123.0 122.6 121.9 120.9 120.4 120.5 119.6 119.4 13 Interbank loans 153.1 178.1 178.3 183.1 183.9 156.7 148.5 159.2 149.1 176.7 151.5 165.7 13a Fed funds and RPs with banks 81.6 87.8 83.0 89.2 88.4 87.5 80.2 89.5 79.7 106.9 83.7 91.6 13b Other 71.4 90.2 95.3 93.9 95.5 69.2 68.3 69.6 69.4 69.8 67.8 74.0 14 Cash assets (5) 139.1 142.7 146.2 149.1 158.7 155.6 148.2 143.5 132.7 150.2 132.3 155.3 15 Other assets (6) 297.2 326.3 333.5 336.5 332.6 326.9 342.0 337.7 336.6 332.9 343.4 344.1 16 TOTAL ASSETS (7) 3,163.5 3,370.8 3,393.1 3,462.3 3,502.1 3,459.4 3,499.9 3,490.3 3,431.7 3,497.0 3,466.8 3,513.3 ------------------------------------------------- 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) April 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,824.6 1,885.6 1,907.8 1,944.5 1,964.0 1,961.7 1,965.4 1,978.0 1,951.0 2,019.2 1,985.5 2,015.3 18 Transaction 306.4 266.5 285.7 288.3 308.0 293.8 282.8 283.1 293.7 282.8 266.2 308.7 19 Nontransaction 1,518.2 1,619.0 1,622.1 1,656.2 1,656.0 1,667.9 1,682.5 1,694.9 1,657.2 1,736.4 1,719.3 1,706.6 20 Large time 250.7 264.5 268.6 269.8 265.5 275.8 278.2 271.1 265.2 272.1 262.3 255.1 21 Other 1,267.5 1,354.5 1,353.4 1,386.5 1,390.5 1,392.1 1,404.4 1,423.8 1,392.0 1,464.2 1,457.0 1,451.5 22 Borrowings 694.2 728.4 730.1 742.3 728.9 667.9 684.0 684.4 669.7 668.8 670.7 691.5 23 From banks in the U.S. 252.2 256.7 261.2 265.6 250.6 198.1 199.6 208.0 197.3 213.7 210.6 221.5 24 From others 442.1 471.6 468.9 476.7 478.2 469.8 484.4 476.5 472.5 455.2 460.1 470.0 25 Net due to related foreign offices 162.2 175.0 180.2 190.2 203.2 212.9 215.8 209.5 203.9 196.6 201.8 201.8 26 Other liabilities 178.1 272.7 265.5 271.8 280.3 275.7 284.2 269.6 262.9 269.2 266.1 261.6 27 TOTAL LIABILITIES 2,859.1 3,061.6 3,083.6 3,148.9 3,176.4 3,118.2 3,149.4 3,141.6 3,087.5 3,153.8 3,124.0 3,170.2 28 Residual (assets less liabilities) (8) 304.4 309.2 309.5 313.4 325.8 341.3 350.5 348.7 344.2 343.2 342.8 343.0 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 9 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars April 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,202.7 2,339.7 2,366.3 2,388.8 2,400.4 2,404.5 2,419.8 2,434.7 2,439.4 2,446.0 2,451.9 2,451.1 2 Securities in bank credit 617.2 647.6 654.9 661.4 667.4 665.5 666.6 675.6 678.7 683.9 686.8 682.5 3 Treasury and Agency securities (2) 401.4 440.8 448.5 455.4 460.4 458.0 460.2 469.7 472.0 479.1 480.9 478.0 4 Other securities 215.8 206.8 206.4 206.0 207.0 207.5 206.4 205.9 206.7 204.8 205.9 204.4 5 Loans and leases in bank credit (3) 1,585.6 1,692.1 1,711.4 1,727.4 1,733.0 1,739.0 1,753.2 1,759.1 1,760.7 1,762.1 1,765.1 1,768.6 6 Commercial and industrial 294.4 301.0 302.6 305.2 305.9 305.4 306.7 307.0 306.7 307.7 306.6 307.2 7 Real estate 917.9 994.4 1,008.6 1,018.5 1,020.7 1,021.6 1,031.3 1,037.4 1,036.9 1,040.3 1,046.3 1,047.3 8 Revolving home equity 61.0 73.7 75.2 76.3 77.1 77.8 79.9 81.7 82.2 82.6 82.8 82.8 9 Other 856.9 920.7 933.4 942.2 943.6 943.7 951.4 955.7 954.6 957.7 963.5 964.4 10 Consumer 269.2 285.5 287.0 289.4 291.8 296.2 299.5 299.9 301.0 299.6 298.9 299.8 11 Security (4) 7.4 8.0 8.2 8.2 8.2 8.5 8.6 8.5 8.7 8.3 8.0 8.4 12 Other loans and leases 96.6 103.2 104.9 106.0 106.3 107.3 107.0 106.5 107.4 106.3 105.2 105.9 13 Interbank loans 95.9 112.6 119.4 118.4 119.0 125.4 126.5 126.4 133.0 120.3 112.8 121.3 14 Cash assets (5) 111.5 125.8 127.6 127.1 125.3 126.1 129.5 131.1 132.0 133.4 130.0 126.5 15 Other assets (6) 140.5 144.8 140.5 142.4 142.8 144.4 148.2 150.8 146.0 156.9 156.7 155.6 16 TOTAL ASSETS (7) 2,520.4 2,691.3 2,722.0 2,744.5 2,755.0 2,768.0 2,791.4 2,810.3 2,817.7 2,824.0 2,818.7 2,821.8 L I A B I L I T I E S 17 Deposits 1,983.5 2,092.9 2,105.1 2,119.0 2,115.2 2,123.0 2,132.7 2,157.3 2,163.6 2,172.8 2,159.6 2,170.1 18 Transaction 302.3 301.8 311.5 312.2 314.5 313.0 316.0 320.2 338.5 313.2 309.8 306.9 19 Nontransaction 1,681.2 1,791.1 1,793.6 1,806.8 1,800.8 1,809.9 1,816.7 1,837.1 1,825.0 1,859.7 1,849.8 1,863.2 20 Large time 299.9 301.4 304.1 305.9 308.4 307.7 310.6 314.9 315.5 315.9 315.7 315.7 21 Other 1,381.3 1,489.7 1,489.6 1,500.9 1,492.4 1,502.3 1,506.1 1,522.2 1,509.6 1,543.8 1,534.1 1,547.5 22 Borrowings 321.2 367.0 371.8 373.9 389.3 407.2 410.6 407.8 407.3 407.5 412.7 408.4 23 From banks in the U.S. 113.2 129.8 129.3 127.9 138.7 156.0 159.3 156.8 157.0 155.0 157.1 156.4 24 From others 208.0 237.3 242.5 246.0 250.6 251.2 251.3 251.0 250.3 252.5 255.6 252.0 25 Net due to related foreign offices 9.0 8.6 12.3 11.3 12.4 15.2 13.0 11.5 12.0 13.3 12.5 12.5 26 Other liabilities 61.4 67.6 67.1 67.2 65.0 70.7 72.9 74.0 74.5 73.1 72.4 74.1 27 TOTAL LIABILITIES 2,375.1 2,536.1 2,556.3 2,571.4 2,581.9 2,616.0 2,629.2 2,650.5 2,657.4 2,666.8 2,657.2 2,665.1 28 Residual (assets less liabilities) (8) 145.3 155.2 165.7 173.1 173.1 151.9 162.2 159.8 160.3 157.2 161.5 156.7 ------------------------------------------------- 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 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,199.0 2,342.1 2,368.8 2,392.3 2,412.0 2,406.5 2,416.6 2,431.4 2,435.6 2,443.4 2,449.1 2,450.2 2 Securities in bank credit 619.5 647.8 652.8 660.3 668.9 667.3 667.4 678.3 682.4 687.0 689.0 684.2 3 Treasury and Agency securities (2) 403.6 440.9 446.4 454.2 461.9 459.8 461.0 472.4 475.7 482.1 483.1 479.7 4 Other securities 215.8 206.8 206.4 206.0 207.0 207.5 206.4 205.9 206.7 204.8 205.9 204.4 5 Loans and leases in bank credit (3) 1,579.6 1,694.3 1,716.1 1,732.0 1,743.0 1,739.2 1,749.2 1,753.1 1,753.2 1,756.4 1,760.1 1,766.1 6 Commercial and industrial 294.3 299.3 302.3 303.7 305.8 303.9 305.3 306.9 307.2 308.2 307.6 309.5 7 Real estate 916.1 994.9 1,009.6 1,020.4 1,023.9 1,023.0 1,031.4 1,035.2 1,034.2 1,038.0 1,044.0 1,045.7 8 Revolving home equity 60.7 73.9 75.5 76.5 77.5 78.1 80.0 81.3 81.7 81.9 82.3 82.5 9 Other 855.3 921.0 934.2 943.9 946.4 945.0 951.4 953.9 952.5 956.1 961.7 963.2 10 Consumer 266.2 287.5 290.7 293.2 298.2 299.1 299.4 297.0 297.8 295.3 294.1 295.7 10a Credit card and related plans 100.5 112.4 115.0 116.9 121.3 119.6 118.3 117.8 118.6 116.1 115.3 116.5 10h Other 165.7 175.1 175.7 176.2 176.9 179.5 181.1 179.2 179.2 179.2 178.8 179.2 11 Security (4) 7.6 7.9 8.2 8.5 8.4 8.2 8.5 8.7 8.6 8.8 8.8 8.9 12 Other loans and leases 95.3 104.7 105.2 106.3 106.7 105.0 104.6 105.3 105.3 106.1 105.6 106.2 13 Interbank loans 101.0 110.8 118.1 121.9 121.5 119.0 125.5 132.8 132.2 133.7 134.2 137.2 14 Cash assets (5) 107.6 125.3 128.1 131.3 132.6 130.3 129.1 126.6 124.4 133.0 126.4 126.7 15 Other assets (6) 140.5 144.8 140.5 142.4 142.8 144.4 148.2 150.8 146.0 156.9 156.7 155.6 16 TOTAL ASSETS (7) 2,517.8 2,691.5 2,723.6 2,755.7 2,776.4 2,767.7 2,786.8 2,808.8 2,805.4 2,834.4 2,833.6 2,836.9 L I A B I L I T I E S 17 Deposits 1,988.0 2,082.0 2,103.2 2,127.1 2,138.7 2,129.2 2,139.4 2,162.2 2,157.0 2,190.8 2,187.4 2,192.4 18 Transaction 298.8 301.0 311.2 315.7 326.1 318.0 312.7 316.5 329.8 316.7 312.7 313.4 19 Nontransaction 1,689.2 1,781.0 1,792.0 1,811.4 1,812.6 1,811.2 1,826.8 1,845.7 1,827.2 1,874.0 1,874.7 1,879.0 20 Large time 299.9 301.4 304.1 305.9 308.4 307.7 310.6 314.9 315.5 315.9 315.7 315.7 21 Other 1,389.3 1,479.6 1,487.9 1,505.5 1,504.2 1,503.5 1,516.2 1,530.8 1,511.7 1,558.1 1,559.0 1,563.4 22 Borrowings 321.2 367.0 371.8 373.9 389.3 407.2 410.6 407.8 407.3 407.5 412.7 408.4 23 From banks in the U.S. 113.2 129.8 129.3 127.9 138.7 156.0 159.3 156.8 157.0 155.0 157.1 156.4 24 From others 208.0 237.3 242.5 246.0 250.6 251.2 251.3 251.0 250.3 252.5 255.6 252.0 25 Net due to related foreign offices 9.0 8.6 12.3 11.3 12.4 15.2 13.0 11.5 12.0 13.3 12.5 12.5 26 Other liabilities 61.4 67.6 67.1 67.2 65.0 70.7 72.9 74.0 74.5 73.1 72.4 74.1 27 TOTAL LIABILITIES 2,379.6 2,525.3 2,554.5 2,579.5 2,605.4 2,622.3 2,635.9 2,655.5 2,650.8 2,684.7 2,685.0 2,687.4 28 Residual (assets less liabilities) (8) 138.2 166.2 169.1 176.2 171.0 145.5 150.9 153.3 154.6 149.7 148.6 149.5 ------------------------------------------------- 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 April 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 591.1 619.8 614.6 620.2 636.1 627.6 640.5 658.5 656.4 659.7 668.6 642.9 2 Securities in bank credit 228.6 247.6 244.9 248.0 261.8 262.8 272.9 277.1 271.1 275.7 273.9 269.9 3 Treasury and Agency securities (2) 70.9 87.1 89.0 93.5 101.9 102.7 107.6 111.5 110.6 115.5 114.9 112.7 4 Other securities 157.7 160.5 155.9 154.5 159.9 160.1 165.3 165.5 160.5 160.2 159.0 157.2 5 Loans and leases in bank credit (3) 362.5 372.2 369.7 372.2 374.3 364.8 367.6 381.4 385.3 384.0 394.7 373.0 6 Commercial and industrial 195.5 185.0 181.1 178.9 178.4 176.4 172.3 169.0 168.2 167.1 169.1 169.6 7 Real estate 18.0 19.0 19.6 20.0 19.5 18.9 18.1 17.8 18.0 17.0 16.8 16.7 11 Security (4) 79.9 95.2 97.5 104.7 110.1 105.1 112.9 130.0 135.7 135.6 144.0 122.8 12 Other loans and leases 69.1 73.0 71.5 68.6 66.4 64.4 64.4 64.5 63.4 64.4 64.7 63.9 13 Interbank loans 20.7 21.2 24.5 25.5 30.0 28.8 28.8 30.5 30.6 26.8 29.1 25.0 14 Cash assets (5) 44.4 46.6 45.5 42.3 44.6 40.0 38.3 42.5 44.6 43.7 41.4 46.7 15 Other assets (6) 24.9 29.0 33.8 34.6 35.9 39.9 41.7 38.1 36.1 39.7 41.4 41.9 16 TOTAL ASSETS (7) 680.7 716.2 718.0 722.2 746.3 735.9 749.0 769.2 767.3 769.6 780.1 756.1 L I A B I L I T I E S 17 Deposits 482.4 492.3 471.4 452.6 425.6 426.8 443.4 449.2 438.4 436.7 438.7 441.2 18 Transaction 10.2 10.1 9.6 9.2 9.2 9.5 9.7 10.6 10.4 10.3 10.0 10.0 19 Nontransaction 472.2 482.2 461.8 443.3 416.4 417.2 433.6 438.6 428.0 426.3 428.7 431.1 22 Borrowings 187.5 225.1 232.7 251.2 277.9 271.7 276.8 299.4 311.6 300.9 311.5 302.1 23 From banks in the U.S. 20.8 22.6 23.0 25.2 29.9 31.0 31.4 34.3 33.0 33.2 25.2 26.1 24 From others 166.6 202.5 209.7 226.0 248.0 240.6 245.4 265.1 278.6 267.7 286.3 276.0 25 Net due to related foreign offices -72.5 -83.7 -71.6 -73.3 -59.2 -70.0 -78.6 -85.6 -94.3 -73.4 -73.7 -79.4 26 Other liabilities 73.4 93.8 99.7 99.3 102.1 98.9 101.1 95.3 90.3 88.4 89.4 93.3 27 TOTAL LIABILITIES 670.8 727.4 732.2 729.7 746.4 727.3 742.7 758.3 746.0 752.6 765.9 757.1 28 Residual (assets less liabilities) (8) 9.9 -11.2 -14.2 -7.5 -0.2 8.6 6.3 10.9 21.3 17.0 14.2 -1.0 ------------------------------------------------- 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 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 591.0 616.3 614.1 623.8 646.2 635.5 645.0 656.3 652.1 652.6 656.6 649.1 2 Securities in bank credit (2) 228.6 247.6 244.9 248.0 261.8 262.8 272.9 277.1 271.1 275.7 273.9 269.9 3 Treasury and Agency securities 70.9 87.1 89.0 93.5 101.9 102.7 107.6 111.5 110.6 115.5 114.9 112.7 3a Trading account 9.3 16.1 18.6 20.3 30.6 32.1 34.9 34.6 33.8 38.1 36.9 36.5 3b Investment account 61.6 71.0 70.4 73.2 71.3 70.6 72.7 76.9 76.8 77.4 78.0 76.3 4 Other securities 157.7 160.5 155.9 154.5 159.9 160.1 165.3 165.5 160.5 160.2 159.0 157.2 4a Trading account 100.3 105.1 101.5 100.4 101.3 101.2 100.3 98.9 94.4 95.6 95.4 94.9 4b Investment account 57.4 55.4 54.4 54.0 58.6 58.9 65.0 66.6 66.1 64.6 63.6 62.3 5 Loans and leases in bank credit (3) 362.4 368.7 369.2 375.8 384.3 372.7 372.1 379.2 381.0 377.0 382.7 379.2 6 Commercial and industrial 197.2 184.9 181.2 180.3 179.8 176.5 173.7 170.5 169.6 168.2 168.2 169.1 7 Real estate 18.0 19.0 19.6 20.0 19.5 18.9 18.1 17.8 18.0 17.0 16.8 16.7 11 Security (4) 77.1 92.3 97.5 106.8 116.7 112.2 115.8 125.5 129.1 126.6 132.8 128.8 12 Other loans and leases 70.1 72.4 70.9 68.8 68.3 65.1 64.5 65.4 64.4 65.2 64.9 64.6 13 Interbank loans 20.7 21.2 24.5 25.5 30.0 28.8 28.8 30.5 30.6 26.8 29.1 25.0 14 Cash assets (5) 43.2 46.3 46.6 44.7 47.8 42.9 39.3 41.3 43.2 42.3 39.2 44.7 15 Other assets (6) 25.5 29.0 33.3 34.5 37.0 41.3 42.3 39.1 36.4 40.1 41.3 41.7 16 TOTAL ASSETS (7) 680.0 712.4 718.1 728.1 760.5 748.1 755.1 766.8 762.0 761.5 765.9 760.1 L I A B I L I T I E S 17 Deposits 486.9 474.1 459.1 452.7 436.4 442.9 453.5 453.3 445.0 442.5 441.4 446.2 18 Transaction 9.9 10.3 9.8 9.5 10.0 9.8 9.7 10.3 10.0 10.2 9.4 9.4 19 Nontransaction 477.0 463.9 449.3 443.1 426.5 433.1 443.8 443.1 435.0 432.4 432.0 436.8 22 Borrowings 187.5 225.1 232.7 251.2 277.9 271.7 276.8 299.4 311.6 300.9 311.5 302.1 23 From banks in the U.S. 20.8 22.6 23.0 25.2 29.9 31.0 31.4 34.3 33.0 33.2 25.2 26.1 24 From others 166.6 202.5 209.7 226.0 248.0 240.6 245.4 265.1 278.6 267.7 286.3 276.0 25 Net due to related foreign offices -69.6 -82.2 -73.1 -74.7 -57.4 -67.4 -77.5 -83.3 -89.3 -72.1 -76.0 -81.3 26 Other liabilities 74.6 94.8 98.8 98.4 103.3 100.6 102.0 96.8 93.6 89.1 88.0 92.0 27 TOTAL LIABILITIES 679.4 711.8 717.6 727.6 760.1 747.8 754.9 766.2 760.9 760.4 764.8 759.0 28 Residual (assets less liabilities) (8) 0.5 0.6 0.5 0.5 0.4 0.4 0.2 0.6 1.1 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 25, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 26 Apr 2 Apr 9 Apr 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 73.2 117.2 102.4 105.2 112.6 107.9 117.0 115.5 108.7 106.9 106.1 104.1 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 82.7 82.7 81.8 79.4 31 Mortgage-backed securities (10) 299.8 344.0 355.3 370.5 363.2 368.9 374.9 379.4 374.3 383.4 376.3 369.4 31a Pass-through 201.6 255.0 261.7 274.6 265.6 271.2 276.5 275.8 271.2 270.8 263.9 259.1 31b CMO, REMIC, and other 98.2 89.0 93.6 95.9 97.6 97.7 98.4 103.6 103.1 112.6 112.3 110.3 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 11.4 10.7 11.4 10.9 33 Offshore credit to U.S. residents (12) 19.8 19.0 18.4 18.5 18.7 18.3 18.2 18.2 18.5 17.7 17.3 17.3 34 Securitized consumer loans (13) 133.8 141.9 144.3 148.5 150.1 149.7 150.6 152.5 153.6 154.3 154.2 154.2 34a Credit card and related plans 120.4 125.0 127.5 131.4 133.2 132.2 134.8 136.7 137.6 138.5 138.5 138.6 34b Other 13.4 16.9 16.9 17.0 16.9 17.5 15.8 15.8 15.9 15.8 15.7 15.6 35 Securitized business loans (13) 18.1 17.8 17.8 17.4 17.2 16.9 17.2 16.8 16.7 16.5 16.4 16.4 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 276.1 303.8 304.1 307.7 311.1 310.9 316.8 327.9 328.7 334.7 335.0 332.1 34 Securitized consumer loans (13) 203.2 199.9 198.3 198.7 201.3 205.6 204.5 203.2 203.3 203.9 204.9 206.4 34a Credit card and related plans 195.5 195.9 189.3 189.8 192.5 197.1 196.0 194.8 194.9 195.4 196.5 198.1 34b Other 7.7 3.9 8.9 8.9 8.7 8.5 8.4 8.5 8.5 8.4 8.4 8.3 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 47.2 63.0 61.9 63.3 64.1 66.8 66.8 64.6 60.8 62.1 61.7 62.4 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 59.7 60.2 59.8 61.0 35 Securitized business loans (13) 12.4 8.1 7.6 7.2 6.8 5.6 4.7 4.1 3.5 3.4 3.4 3.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 April 25, 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.