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 September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,661.4 5,961.9 5,992.6 6,024.3 6,126.3 6,181.7 6,221.1 6,206.5 6,213.4 6,186.5 6,190.4 6,212.6 2 Securities in bank credit 1,629.5 1,753.9 1,766.3 1,777.8 1,834.9 1,856.9 1,810.6 1,768.0 1,757.7 1,764.5 1,759.8 1,766.9 3 Treasury and Agency securities (2) 943.7 1,059.2 1,072.3 1,104.8 1,136.4 1,152.6 1,115.7 1,077.0 1,063.6 1,066.3 1,071.7 1,082.6 4 Other securities 685.8 694.8 694.0 673.0 698.5 704.3 695.0 690.9 694.1 698.1 688.1 684.2 5 Loans and leases in bank credit (3) 4,031.9 4,208.0 4,226.3 4,246.5 4,291.4 4,324.8 4,410.5 4,438.5 4,455.7 4,422.1 4,430.6 4,445.7 6 Commercial and industrial 978.6 953.6 948.0 946.5 937.2 924.4 928.1 919.0 918.2 918.3 920.5 917.1 7 Real estate 1,903.7 2,079.8 2,094.9 2,110.9 2,133.4 2,155.9 2,193.5 2,239.1 2,236.6 2,233.8 2,234.1 2,258.6 8 Revolving home equity 197.3 222.7 230.5 234.8 238.4 244.8 248.9 253.3 252.4 253.6 254.3 255.5 9 Other 1,706.4 1,857.1 1,864.4 1,876.2 1,895.0 1,911.0 1,944.6 1,985.8 1,984.2 1,980.2 1,979.8 2,003.1 10 Consumer 574.3 591.8 586.9 583.9 587.9 592.6 592.5 593.3 592.0 594.1 594.3 596.5 11 Security (4) 176.9 181.3 193.6 190.4 209.8 211.2 213.7 205.8 224.8 193.6 200.2 198.0 12 Other loans and leases 398.4 401.5 402.9 414.7 423.2 440.8 482.8 481.3 484.1 482.3 481.5 475.5 13 Interbank loans 304.1 304.2 313.1 304.8 317.4 321.3 321.7 327.3 335.5 326.9 324.4 308.0 14 Cash assets (5) 320.3 318.3 323.5 319.5 317.6 331.4 337.0 340.7 336.3 343.6 348.5 342.2 15 Other assets (6) 504.2 536.0 526.3 532.5 554.7 564.0 571.4 585.6 591.7 583.6 567.5 604.2 16 TOTAL ASSETS (7) 6,714.9 7,043.8 7,079.1 7,105.7 7,240.4 7,322.6 7,375.8 7,383.5 7,400.1 7,363.9 7,354.2 7,390.2 L I A B I L I T I E S 17 Deposits 4,462.5 4,535.4 4,585.7 4,613.5 4,646.6 4,706.8 4,753.5 4,805.7 4,836.3 4,787.5 4,792.6 4,812.1 18 Transaction 598.6 613.7 619.4 632.2 633.3 637.9 653.8 655.6 647.2 663.1 694.2 636.8 19 Nontransaction 3,863.9 3,921.6 3,966.3 3,981.4 4,013.2 4,068.9 4,099.7 4,150.1 4,189.1 4,124.5 4,098.5 4,175.3 20 Large time 1,046.6 995.2 1,001.6 985.4 999.1 1,002.5 1,019.8 1,032.8 1,036.8 1,029.4 1,025.8 1,033.4 21 Other 2,817.3 2,926.4 2,964.7 2,996.0 3,014.2 3,066.4 3,079.9 3,117.3 3,152.3 3,095.1 3,072.7 3,141.8 22 Borrowings 1,290.6 1,368.4 1,390.0 1,397.1 1,438.8 1,479.0 1,514.9 1,515.8 1,529.5 1,493.3 1,499.2 1,494.0 23 From banks in the U.S. 403.7 388.1 397.3 396.8 389.0 407.2 409.3 412.1 413.5 411.3 406.4 399.5 24 From others 886.8 980.3 992.7 1,000.3 1,049.8 1,071.8 1,105.6 1,103.7 1,116.1 1,082.0 1,092.8 1,094.5 25 Net due to related foreign offices 87.2 144.2 135.7 139.2 146.4 126.4 142.7 128.2 99.3 143.5 141.9 140.2 26 Other liabilities 430.3 455.7 450.5 457.0 481.5 493.4 463.0 450.3 458.8 449.3 429.8 468.8 27 TOTAL LIABILITIES 6,270.6 6,503.7 6,561.9 6,606.8 6,713.3 6,805.5 6,874.1 6,900.1 6,923.9 6,873.7 6,863.7 6,915.1 28 Residual (assets less liabilities) (8) 444.3 540.1 517.3 498.9 527.1 517.1 501.7 483.4 476.2 490.2 490.5 475.2 ------------------------------------------------- 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 September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,642.6 5,965.3 5,981.4 6,018.9 6,121.0 6,178.2 6,196.4 6,186.6 6,193.3 6,163.9 6,163.5 6,206.6 2 Securities in bank credit 1,622.9 1,763.1 1,771.3 1,775.7 1,832.6 1,850.7 1,795.4 1,760.7 1,748.0 1,755.9 1,752.1 1,768.3 3 Treasury and Agency securities (2) 940.2 1,065.5 1,077.3 1,104.7 1,134.3 1,147.9 1,107.6 1,073.1 1,057.8 1,061.8 1,067.2 1,084.6 4 Other securities 682.7 697.6 694.0 671.0 698.3 702.9 687.8 687.6 690.2 694.2 685.0 683.7 5 Loans and leases in bank credit (3) 4,019.7 4,202.2 4,210.1 4,243.2 4,288.4 4,327.5 4,401.0 4,425.9 4,445.3 4,408.0 4,411.4 4,438.3 6 Commercial and industrial 974.5 951.7 949.4 950.3 940.9 928.4 929.2 915.3 915.0 914.5 913.9 913.1 7 Real estate 1,903.7 2,075.6 2,085.9 2,107.3 2,137.2 2,157.1 2,191.9 2,239.1 2,239.0 2,232.9 2,233.9 2,258.9 8 Revolving home equity 197.4 223.0 228.4 234.5 239.6 245.7 248.9 253.5 252.5 253.7 254.7 256.0 9 Other 1,706.3 1,852.6 1,857.5 1,872.8 1,897.6 1,911.5 1,943.0 1,985.7 1,986.6 1,979.2 1,979.1 2,002.9 10 Consumer 571.0 595.0 584.6 581.1 586.7 589.2 586.9 589.6 587.3 591.1 592.5 594.0 10a Credit card and related plans 224.1 225.8 219.6 215.3 220.5 221.4 217.9 218.0 216.3 219.2 219.2 221.1 10b Other 346.9 369.1 365.0 365.8 366.3 367.7 369.0 371.6 371.0 371.9 373.3 372.9 11 Security (4) 172.4 183.0 189.2 189.6 202.0 209.8 207.6 200.5 220.8 187.2 193.6 191.2 12 Other loans and leases 398.2 397.0 401.0 414.9 421.5 442.9 485.4 481.3 483.2 482.3 477.5 481.1 13 Interbank loans 298.2 301.5 319.6 315.8 313.1 322.5 317.2 321.4 330.7 322.0 306.4 311.7 14 Cash assets (5) 304.6 318.8 312.7 317.7 314.0 322.2 326.3 324.0 314.1 324.3 322.0 354.9 15 Other assets (6) 501.1 533.4 525.4 531.9 552.6 558.2 569.3 581.9 588.8 577.6 559.7 606.9 16 TOTAL ASSETS (7) 6,671.3 7,042.0 7,062.5 7,109.1 7,224.9 7,305.2 7,333.8 7,337.3 7,350.1 7,310.9 7,274.9 7,403.1 L I A B I L I T I E S 17 Deposits 4,413.8 4,556.3 4,592.8 4,638.7 4,639.6 4,695.9 4,723.9 4,755.5 4,787.6 4,728.5 4,706.5 4,801.3 18 Transaction 583.8 606.1 611.0 638.0 623.1 632.5 645.2 639.4 629.2 643.0 662.0 650.0 19 Nontransaction 3,830.0 3,950.2 3,981.8 4,000.6 4,016.5 4,063.4 4,078.8 4,116.2 4,158.4 4,085.5 4,044.5 4,151.3 20 Large time 1,028.8 1,005.8 1,004.3 989.8 1,002.7 1,000.7 1,008.7 1,016.6 1,020.1 1,012.3 1,010.1 1,014.6 21 Other 2,801.2 2,944.3 2,977.5 3,010.8 3,013.7 3,062.8 3,070.0 3,099.6 3,138.3 3,073.1 3,034.4 3,136.7 22 Borrowings 1,273.5 1,370.6 1,386.4 1,401.3 1,444.6 1,478.0 1,507.8 1,495.9 1,505.9 1,475.0 1,474.0 1,482.7 23 From banks in the U.S. 399.4 391.6 400.7 400.9 391.3 405.4 405.9 407.6 408.8 408.1 399.5 394.6 24 From others 874.1 979.0 985.7 1,000.4 1,053.2 1,072.7 1,101.9 1,088.3 1,097.1 1,066.9 1,074.5 1,088.1 25 Net due to related foreign offices 85.3 149.6 133.9 130.1 146.0 123.5 133.5 126.6 95.2 141.9 147.6 140.5 26 Other liabilities 428.8 462.0 446.7 444.4 480.6 490.2 453.1 448.6 454.1 447.8 435.5 469.2 27 TOTAL LIABILITIES 6,201.4 6,538.4 6,559.7 6,614.5 6,710.8 6,787.6 6,818.4 6,826.7 6,842.7 6,793.2 6,763.6 6,893.7 28 Residual (assets less liabilities) (8) 469.9 503.5 502.7 494.6 514.1 517.5 515.4 510.6 507.4 517.7 511.3 509.4 ------------------------------------------------- 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 September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,041.5 5,315.2 5,329.0 5,369.7 5,458.0 5,512.8 5,575.9 5,581.6 5,583.1 5,572.9 5,562.3 5,589.3 2 Securities in bank credit 1,381.4 1,474.8 1,482.3 1,500.4 1,546.0 1,569.0 1,544.2 1,503.1 1,491.0 1,498.6 1,493.9 1,497.9 3 Treasury and Agency securities (2) 862.0 942.7 949.7 979.4 1,005.5 1,023.4 996.3 965.3 949.8 956.3 961.9 970.2 4 Other securities 519.4 532.1 532.6 521.0 540.6 545.5 547.9 537.8 541.2 542.3 531.9 527.7 5 Loans and leases in bank credit (3) 3,660.1 3,840.4 3,846.7 3,869.3 3,912.0 3,943.8 4,031.7 4,078.5 4,092.1 4,074.3 4,068.5 4,091.4 6 Commercial and industrial 789.5 779.5 776.3 774.4 767.2 762.0 766.4 763.7 762.1 764.0 765.6 763.6 7 Real estate 1,884.8 2,060.1 2,075.1 2,091.9 2,114.3 2,136.7 2,174.4 2,220.3 2,217.6 2,215.1 2,215.5 2,239.9 8 Revolving home equity 197.3 222.7 230.5 234.8 238.4 244.8 248.9 253.3 252.4 253.6 254.3 255.5 9 Other 1,687.6 1,837.4 1,844.6 1,857.2 1,875.8 1,891.9 1,925.5 1,966.9 1,965.2 1,961.5 1,961.2 1,984.4 10 Consumer 574.3 591.8 586.9 583.9 587.9 592.6 592.5 593.3 592.0 594.1 594.3 596.5 11 Security (4) 85.4 73.2 72.2 72.4 91.3 90.0 95.6 95.0 109.9 91.9 87.3 88.3 12 Other loans and leases 326.0 335.9 336.2 346.6 351.3 362.6 402.8 406.2 410.5 409.2 405.8 403.2 13 Interbank loans 286.2 277.2 285.9 282.3 292.8 290.5 288.5 294.8 307.6 291.7 291.1 274.4 14 Cash assets (5) 272.5 279.6 279.7 269.4 265.5 275.3 281.0 284.3 279.8 287.6 291.9 284.4 15 Other assets (6) 476.5 500.9 495.2 497.5 513.1 518.8 527.6 538.2 540.9 533.8 523.7 562.2 16 TOTAL ASSETS (7) 6,002.0 6,296.8 6,313.9 6,344.0 6,454.2 6,522.1 6,597.8 6,622.8 6,635.2 6,609.6 6,592.8 6,634.0 L I A B I L I T I E S 17 Deposits 3,964.8 4,092.5 4,137.2 4,177.1 4,207.8 4,256.3 4,290.5 4,341.1 4,366.0 4,323.9 4,333.1 4,354.1 18 Transaction 588.5 603.5 607.9 620.8 622.3 626.3 642.1 643.6 635.5 651.0 681.0 625.3 19 Nontransaction 3,376.3 3,489.0 3,529.4 3,556.3 3,585.5 3,630.0 3,648.4 3,697.5 3,730.6 3,672.9 3,652.1 3,728.9 20 Large time 565.0 583.5 583.6 582.1 595.3 589.9 585.6 601.6 602.7 600.3 600.7 603.9 21 Other 2,811.3 2,905.5 2,945.8 2,974.2 2,990.2 3,040.1 3,062.8 3,096.0 3,127.8 3,072.6 3,051.4 3,125.0 22 Borrowings 1,076.7 1,093.8 1,096.7 1,098.4 1,131.7 1,160.1 1,214.6 1,219.1 1,219.1 1,212.2 1,212.1 1,199.0 23 From banks in the U.S. 382.4 357.0 363.6 369.3 357.4 372.1 372.0 377.8 376.7 378.5 373.8 363.7 24 From others 694.3 736.7 733.1 729.1 774.3 788.0 842.6 841.3 842.3 833.7 838.4 835.3 25 Net due to related foreign offices 173.4 222.7 219.5 212.1 224.3 208.3 229.0 232.2 221.6 240.7 235.8 240.1 26 Other liabilities 332.7 355.8 355.0 365.8 376.2 383.4 359.0 338.7 342.9 332.7 319.0 358.3 27 TOTAL LIABILITIES 5,547.7 5,764.7 5,808.5 5,853.4 5,940.0 6,008.0 6,093.0 6,131.1 6,149.6 6,109.5 6,100.0 6,151.6 28 Residual (assets less liabilities) (8) 454.3 532.0 505.4 490.6 514.2 514.1 504.8 491.7 485.6 500.2 492.8 482.4 ------------------------------------------------- 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 September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,028.8 5,314.2 5,319.6 5,364.4 5,457.4 5,512.8 5,558.5 5,568.2 5,567.9 5,557.0 5,543.2 5,592.8 2 Securities in bank credit 1,374.8 1,484.0 1,487.4 1,498.3 1,543.8 1,562.8 1,529.0 1,495.8 1,481.3 1,490.1 1,486.2 1,499.4 3 Treasury and Agency securities (2) 858.5 949.1 954.7 979.3 1,003.5 1,018.7 988.2 961.4 944.1 951.8 957.4 972.2 4 Other securities 516.4 534.9 532.7 518.9 540.3 544.1 540.8 534.4 537.3 538.3 528.8 527.2 5 Loans and leases in bank credit (3) 3,654.0 3,830.2 3,832.3 3,866.2 3,913.7 3,949.9 4,029.5 4,072.4 4,086.6 4,066.9 4,056.9 4,093.5 6 Commercial and industrial 786.8 776.1 776.2 779.2 772.8 766.6 768.5 761.1 760.0 761.1 760.6 760.9 7 Real estate 1,884.8 2,055.9 2,066.1 2,088.3 2,118.1 2,138.0 2,172.8 2,220.3 2,220.0 2,214.3 2,215.2 2,240.3 8 Revolving home equity 197.4 223.0 228.4 234.5 239.6 245.7 248.9 253.5 252.5 253.7 254.7 256.0 9 Other 1,687.5 1,832.8 1,837.7 1,853.8 1,878.5 1,892.3 1,923.9 1,966.9 1,967.6 1,960.5 1,960.5 1,984.3 10 Consumer 571.0 595.0 584.6 581.1 586.7 589.2 586.9 589.6 587.3 591.1 592.5 594.0 10a Credit card and related plans 224.1 225.8 219.6 215.3 220.5 221.4 217.9 218.0 216.3 219.2 219.2 221.1 10d Other 346.9 369.1 365.0 365.8 366.3 367.7 369.0 371.6 371.0 371.9 373.3 372.9 11 Security (4) 84.3 72.0 71.9 71.3 85.8 91.1 94.3 93.8 108.2 90.2 85.7 89.2 12 Other loans and leases 327.0 331.3 333.4 346.3 350.2 365.1 407.0 407.5 411.0 410.4 402.9 409.2 13 Interbank loans 280.4 274.4 292.3 293.4 288.5 291.7 283.9 288.9 302.8 286.9 273.1 278.1 14 Cash assets (5) 258.8 279.1 270.1 269.8 263.5 268.7 273.3 269.9 260.3 270.4 267.5 299.0 15 Other assets (6) 473.7 497.7 493.5 497.0 510.9 514.8 526.9 535.2 539.1 528.8 516.0 564.8 16 TOTAL ASSETS (7) 5,966.8 6,288.9 6,299.4 6,349.8 6,444.9 6,512.6 6,567.7 6,586.0 6,593.7 6,566.6 6,523.4 6,658.0 L I A B I L I T I E S 17 Deposits 3,933.1 4,103.3 4,140.3 4,196.3 4,195.5 4,247.2 4,270.8 4,306.8 4,333.6 4,281.7 4,261.5 4,362.1 18 Transaction 574.0 595.8 599.8 627.3 612.6 621.2 633.5 627.7 617.7 631.3 649.3 638.6 19 Nontransaction 3,359.1 3,507.4 3,540.5 3,569.0 3,582.9 3,626.0 3,637.3 3,679.1 3,715.9 3,650.4 3,612.2 3,723.6 20 Large time 563.7 584.4 582.1 580.2 593.5 589.5 584.0 600.1 601.2 598.9 598.5 603.0 21 Other 2,795.4 2,923.0 2,958.4 2,988.7 2,989.4 3,036.5 3,053.3 3,079.0 3,114.7 3,051.5 3,013.7 3,120.6 22 Borrowings 1,059.7 1,096.0 1,093.0 1,102.6 1,137.4 1,159.1 1,207.5 1,199.2 1,195.4 1,194.0 1,186.9 1,187.7 23 From banks in the U.S. 378.1 360.5 367.0 373.4 359.7 370.2 368.7 373.3 372.1 375.3 366.9 358.8 24 From others 681.6 735.4 726.0 729.2 777.7 788.9 838.9 825.9 823.4 818.6 820.1 828.9 25 Net due to related foreign offices 173.3 226.8 215.4 203.5 223.5 207.3 222.9 231.9 218.6 240.9 240.5 240.5 26 Other liabilities 332.2 361.2 349.7 353.5 375.0 381.7 351.6 338.1 339.3 332.9 323.8 358.8 27 TOTAL LIABILITIES 5,498.3 5,787.3 5,798.5 5,855.9 5,931.4 5,995.3 6,052.8 6,076.0 6,086.9 6,049.4 6,012.7 6,149.2 28 Residual (assets less liabilities) (8) 468.5 501.6 500.9 494.0 513.5 517.3 514.8 510.0 506.8 517.2 510.7 508.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 5 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,763.2 2,932.0 2,929.4 2,949.6 3,024.7 3,059.9 3,096.6 3,082.9 3,089.5 3,070.1 3,060.1 3,087.8 2 Securities in bank credit 738.1 805.5 803.2 810.1 856.6 880.5 847.4 801.7 789.4 796.6 791.8 797.9 3 Treasury and Agency securities (2) 427.9 479.7 476.5 493.3 520.0 536.0 502.9 467.6 451.0 457.6 466.7 473.2 3a Trading account 47.8 54.5 41.8 40.7 43.6 38.7 37.6 33.5 29.1 29.4 36.8 43.6 3b Investment account 380.1 425.3 434.7 452.6 476.4 497.3 465.3 434.1 422.0 428.3 429.9 429.5 4 Other securities 310.1 325.7 326.6 316.8 336.6 344.5 344.4 334.1 338.4 339.0 325.1 324.7 4a Trading account 174.9 172.6 171.6 161.5 183.4 188.0 173.2 162.2 165.6 165.3 155.7 154.2 4b Investment account 135.3 153.1 155.0 155.3 153.2 156.5 171.2 171.9 172.7 173.7 169.4 170.6 4c State and local government 28.1 29.6 30.1 30.9 31.3 32.2 32.3 31.4 31.5 31.3 31.4 31.2 4d Other 107.2 123.5 124.9 124.4 121.9 124.3 138.9 140.5 141.2 142.4 138.0 139.4 5 Loans and leases in bank credit (3) 2,025.1 2,126.5 2,126.2 2,139.5 2,168.2 2,179.4 2,249.2 2,281.2 2,300.1 2,273.4 2,268.3 2,289.9 6 Commercial and industrial 500.2 482.4 478.5 476.4 468.5 461.9 464.5 459.1 458.6 459.0 459.9 458.0 7 Real estate 908.9 1,030.9 1,038.2 1,043.9 1,058.6 1,066.2 1,090.2 1,123.4 1,124.7 1,116.6 1,116.3 1,141.0 8 Revolving home equity 125.2 142.5 147.9 150.4 152.8 156.2 159.9 163.7 163.0 163.8 164.4 165.4 9 Other 783.7 888.4 890.3 893.4 905.8 909.9 930.3 959.7 961.7 952.8 951.9 975.7 10 Consumer 311.3 317.4 313.7 312.3 312.5 314.1 311.6 312.7 311.8 311.6 315.0 314.1 11 Security (4) 78.3 65.0 64.0 64.3 82.6 80.9 86.6 86.0 100.9 83.0 78.1 79.3 11a Fed funds and RPs with broker/dealer 67.1 54.2 52.6 52.4 63.0 63.5 68.7 66.8 78.8 64.0 60.0 61.7 11b Other 11.3 10.7 11.4 11.8 19.5 17.4 17.9 19.2 22.1 19.0 18.2 17.6 12a State and local government 13.0 12.3 12.5 12.4 12.5 12.7 13.0 13.3 13.7 13.2 13.4 13.3 12b Agricultural 8.3 7.9 7.9 7.7 7.5 7.4 7.3 7.4 7.4 7.4 7.5 7.5 12c Fed funds and RPs with others 17.5 24.4 24.0 25.2 27.0 28.4 25.8 24.2 24.9 24.2 24.9 25.1 12d All other loans 67.2 75.5 77.0 88.0 89.3 97.0 140.4 145.6 148.6 149.3 143.9 142.1 12e Lease financing receivables 120.3 110.8 110.5 109.4 109.8 110.7 109.9 109.4 109.5 109.2 109.3 109.5 13 Interbank loans 190.7 161.9 171.5 170.7 170.6 164.8 168.5 178.3 192.2 175.4 171.0 160.1 13a Fed funds and RPs with banks 98.5 90.9 100.0 98.7 100.4 97.4 97.4 98.8 115.3 95.8 80.5 94.0 13b Other 92.3 71.0 71.5 72.0 70.2 67.4 71.1 79.5 76.9 79.5 90.6 66.1 14 Cash assets (5) 151.3 151.0 148.2 135.7 132.8 141.5 144.2 146.7 141.2 150.2 149.1 157.4 15 Other assets (6) 332.9 355.1 347.6 347.5 357.4 360.7 365.3 368.6 370.1 368.1 361.9 378.7 16 TOTAL ASSETS (7) 3,394.1 3,555.3 3,551.7 3,559.5 3,641.4 3,682.7 3,731.0 3,732.4 3,748.5 3,719.5 3,697.9 3,739.9 ------------------------------------------------- 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) September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,915.8 1,992.9 2,011.8 2,036.3 2,043.1 2,072.3 2,090.1 2,127.2 2,141.4 2,116.3 2,122.0 2,145.8 18 Transaction 288.1 290.7 290.9 296.1 297.2 300.0 307.0 304.0 303.6 309.4 325.3 284.4 19 Nontransaction 1,627.7 1,702.2 1,721.0 1,740.2 1,745.9 1,772.3 1,783.0 1,823.2 1,837.8 1,807.0 1,796.7 1,861.4 20 Large time 265.6 273.7 269.1 267.2 279.1 271.1 269.0 285.2 284.3 285.5 285.4 288.1 21 Other 1,362.2 1,428.6 1,451.9 1,473.1 1,466.8 1,501.2 1,514.1 1,538.0 1,553.5 1,521.4 1,511.3 1,573.3 22 Borrowings 742.7 696.9 703.0 700.7 726.4 750.2 797.9 786.6 794.2 774.0 768.2 769.4 23 From banks in the U.S. 263.8 200.6 209.1 213.4 204.6 217.7 214.9 211.7 216.1 207.3 197.4 209.8 24 From others 478.9 496.3 493.9 487.3 521.8 532.5 583.0 574.8 578.0 566.7 570.8 559.6 25 Net due to related foreign offices 165.0 210.1 208.9 199.3 211.9 196.3 217.2 219.9 212.7 228.9 220.4 224.8 26 Other liabilities 268.2 280.1 275.4 285.2 293.1 299.2 272.5 250.6 256.1 243.9 232.3 266.6 27 TOTAL LIABILITIES 3,091.7 3,180.1 3,199.1 3,221.5 3,274.4 3,318.0 3,377.7 3,384.3 3,404.5 3,363.1 3,343.0 3,406.6 28 Residual (assets less liabilities) (8) 302.4 375.2 352.6 338.0 367.0 364.6 353.2 348.1 344.1 356.3 354.9 333.3 ------------------------------------------------- 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 September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,753.3 2,934.1 2,923.3 2,946.1 3,025.7 3,062.2 3,084.3 3,072.6 3,077.3 3,057.7 3,042.2 3,091.9 2 Securities in bank credit 733.0 813.8 805.5 806.4 855.1 874.8 834.0 796.2 781.6 790.7 784.6 800.3 3 Treasury and Agency securities (2) 425.9 485.2 478.8 491.7 518.8 531.7 496.7 465.4 447.2 455.7 462.6 476.0 3a Trading account 47.6 55.1 42.1 40.6 43.5 38.4 37.2 33.3 28.8 29.2 36.4 43.9 3b Investment account 378.3 430.1 436.7 451.1 475.2 493.3 459.5 432.1 418.4 426.4 426.1 432.2 3c Mortgage-backed 306.7 331.3 334.7 354.4 380.2 389.4 364.1 335.5 321.8 329.9 329.1 334.1 3d Other 71.7 98.8 102.0 96.7 95.0 103.9 95.4 96.6 96.5 96.5 97.0 98.0 3e 1 year or less 17.3 22.9 24.4 24.6 23.2 24.3 24.1 24.4 24.5 24.7 24.2 24.4 3f Between 1 and 5 years 42.5 57.4 57.3 55.2 55.2 57.3 51.2 52.5 51.1 52.7 53.2 54.1 3g More than 5 years 11.9 18.6 20.3 16.9 16.7 22.3 20.1 19.7 21.0 19.1 19.6 19.5 4 Other securities 307.1 328.5 326.7 314.7 336.3 343.1 337.3 330.8 334.4 335.1 322.0 324.2 4a Trading account 173.1 174.1 171.7 160.5 183.2 187.3 169.6 160.6 163.7 163.4 154.2 153.9 4b Investment account 133.9 154.4 155.0 154.3 153.1 155.8 167.7 170.2 170.7 171.7 167.8 170.3 4c State and local government 27.8 29.8 30.1 30.7 31.3 32.1 31.6 31.1 31.2 30.9 31.1 31.1 4d Other 106.1 124.6 124.9 123.6 121.8 123.8 136.1 139.1 139.6 140.8 136.7 139.2 5 Loans and leases in bank credit (3) 2,020.3 2,120.3 2,117.8 2,139.7 2,170.7 2,187.3 2,250.3 2,276.4 2,295.7 2,267.0 2,257.7 2,291.7 6 Commercial and industrial 498.7 480.4 478.4 478.9 471.6 464.2 465.6 457.7 457.3 457.2 456.7 457.2 7 Real estate 909.6 1,026.6 1,031.4 1,042.0 1,062.9 1,068.6 1,090.3 1,124.3 1,127.4 1,116.6 1,115.8 1,142.4 8 Revolving home equity 125.6 142.7 146.2 150.4 153.9 157.2 160.4 164.2 163.4 164.3 165.1 166.2 9a Other residential 465.7 560.3 561.2 569.9 588.4 591.6 613.2 643.5 647.5 635.2 634.2 660.0 9b Commercial 318.3 323.6 323.9 321.8 320.6 319.8 316.7 316.6 316.5 317.0 316.5 316.2 10 Consumer 309.2 320.6 314.3 312.9 313.4 314.3 309.7 310.1 309.1 309.2 312.9 311.3 10a Credit card and related plans 114.9 109.8 105.9 103.6 103.9 104.9 100.0 99.7 98.7 99.0 101.9 100.1 10f Other 194.2 210.8 208.3 209.3 209.5 209.4 209.7 210.4 210.4 210.2 210.9 211.2 11 Security (4) 77.3 63.9 63.5 62.9 77.3 82.1 85.4 84.8 99.2 81.4 76.9 79.9 11a Fed funds and RPs with broker/dealer 66.2 53.4 52.2 51.3 59.0 64.5 67.7 65.9 77.5 62.7 59.0 62.2 11b Other 11.1 10.6 11.3 11.6 18.3 17.6 17.6 18.9 21.7 18.6 17.9 17.7 12a State and local government 13.0 12.3 12.5 12.4 12.5 12.7 13.0 13.3 13.7 13.2 13.4 13.3 12b Agricultural 8.4 7.8 7.8 7.7 7.6 7.5 7.4 7.5 7.5 7.5 7.5 7.5 12c Fed funds and RPs with others 17.5 24.4 24.0 25.2 27.0 28.4 25.8 24.2 24.9 24.2 24.9 25.1 12d All other loans 67.4 72.1 74.8 87.8 88.7 99.2 143.7 146.0 148.0 149.6 141.4 146.7 12e Lease financing receivables 119.2 112.1 111.2 109.8 109.8 110.3 109.4 108.4 108.7 108.2 108.1 108.3 13 Interbank loans 185.7 160.1 171.5 174.1 171.4 169.0 168.6 173.2 187.7 172.2 161.0 158.3 13a Fed funds and RPs with banks 96.1 90.0 100.0 100.6 100.9 99.9 97.4 96.1 112.6 94.1 75.7 92.9 13b Other 89.6 70.2 71.5 73.4 70.5 69.1 71.1 77.1 75.1 78.1 85.2 65.3 14 Cash assets (5) 141.6 150.9 143.3 138.5 131.9 137.1 138.7 137.1 128.5 139.3 133.9 163.5 15 Other assets (6) 330.2 352.0 345.9 347.0 355.2 356.7 364.6 365.6 368.2 363.1 354.2 381.4 16 TOTAL ASSETS (7) 3,366.6 3,552.0 3,538.7 3,561.7 3,639.8 3,680.6 3,712.8 3,704.1 3,717.2 3,687.9 3,647.0 3,750.5 ------------------------------------------------- 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) September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,901.1 1,996.9 2,009.9 2,043.7 2,038.7 2,072.8 2,084.1 2,110.8 2,126.9 2,095.8 2,082.3 2,154.0 18 Transaction 277.0 286.4 286.5 302.2 292.9 297.2 301.1 291.8 291.1 295.7 303.3 288.5 19 Nontransaction 1,624.1 1,710.6 1,723.4 1,741.5 1,745.8 1,775.5 1,783.0 1,819.0 1,835.8 1,800.1 1,779.1 1,865.5 20 Large time 264.3 274.6 267.6 265.3 277.3 270.7 267.3 283.8 282.7 284.2 283.1 287.1 21 Other 1,359.8 1,436.0 1,455.8 1,476.2 1,468.6 1,504.8 1,515.6 1,535.2 1,553.1 1,515.9 1,496.0 1,578.4 22 Borrowings 725.6 699.1 699.3 704.9 732.1 749.3 790.9 766.7 770.5 755.8 743.0 758.1 23 From banks in the U.S. 259.4 204.1 212.5 217.5 206.9 215.9 211.6 207.3 211.4 204.2 190.5 204.9 24 From others 466.2 495.0 486.9 487.4 525.2 533.4 579.4 559.4 559.1 551.6 552.5 553.2 25 Net due to related foreign offices 164.8 214.3 204.8 190.6 211.0 195.2 211.1 219.7 209.7 229.2 225.2 225.2 26 Other liabilities 267.7 285.6 270.1 273.0 292.0 297.6 265.1 250.0 252.6 244.1 237.1 267.1 27 TOTAL LIABILITIES 3,059.2 3,195.9 3,184.1 3,212.3 3,273.9 3,314.9 3,351.2 3,347.2 3,359.7 3,324.8 3,287.7 3,404.5 28 Residual (assets less liabilities) (8) 307.3 356.1 354.6 349.4 366.0 365.7 361.5 356.9 357.5 363.1 359.3 346.0 ------------------------------------------------- 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 September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,278.3 2,383.2 2,399.6 2,420.1 2,433.3 2,452.9 2,479.3 2,498.8 2,493.6 2,502.8 2,502.3 2,501.5 2 Securities in bank credit 643.3 669.4 679.2 690.4 689.5 688.4 696.8 701.4 701.6 701.9 702.1 700.0 3 Treasury and Agency securities (2) 434.0 463.0 473.2 486.1 485.5 487.4 493.3 497.7 498.8 498.7 495.3 497.1 4 Other securities 209.3 206.4 206.0 204.2 204.0 201.0 203.5 203.6 202.8 203.2 206.8 202.9 5 Loans and leases in bank credit (3) 1,635.0 1,713.9 1,720.4 1,729.8 1,743.8 1,764.5 1,782.4 1,797.4 1,792.0 1,800.9 1,800.2 1,801.5 6 Commercial and industrial 289.3 297.1 297.8 298.1 298.7 300.1 301.9 304.6 303.5 305.1 305.7 305.5 7 Real estate 975.9 1,029.2 1,036.9 1,048.1 1,055.7 1,070.5 1,084.2 1,096.9 1,092.9 1,098.5 1,099.2 1,098.9 8 Revolving home equity 72.0 80.2 82.6 84.3 85.6 88.6 88.9 89.7 89.4 89.8 89.9 90.1 9 Other 903.9 949.0 954.3 963.7 970.0 981.9 995.2 1,007.2 1,003.5 1,008.7 1,009.3 1,008.7 10 Consumer 263.0 274.4 273.2 271.6 275.5 278.4 280.9 280.7 280.2 282.6 279.3 282.4 11 Security (4) 7.1 8.2 8.1 8.1 8.7 9.2 9.0 9.0 9.0 8.9 9.2 9.0 12 Other loans and leases 99.7 105.0 104.4 103.9 105.3 106.3 106.4 106.2 106.4 105.9 106.9 105.7 13 Interbank loans 95.5 115.3 114.4 111.6 122.1 125.7 120.0 116.5 115.4 116.4 120.0 114.2 14 Cash assets (5) 121.3 128.6 131.5 133.6 132.7 133.8 136.8 137.5 138.6 137.4 142.8 127.0 15 Other assets (6) 143.5 145.7 147.7 150.0 155.7 158.2 162.3 169.6 170.9 165.7 161.8 183.4 16 TOTAL ASSETS (7) 2,607.9 2,741.5 2,762.2 2,784.5 2,812.8 2,839.4 2,866.8 2,890.4 2,886.7 2,890.2 2,894.9 2,894.1 L I A B I L I T I E S 17 Deposits 2,049.0 2,099.6 2,125.4 2,140.8 2,164.8 2,184.0 2,200.4 2,213.9 2,224.6 2,207.6 2,211.1 2,208.4 18 Transaction 300.4 312.8 317.0 324.8 325.2 326.3 335.1 339.6 331.9 341.7 355.7 340.8 19 Nontransaction 1,748.6 1,786.8 1,808.4 1,816.1 1,839.6 1,857.7 1,865.3 1,874.3 1,892.8 1,865.9 1,855.4 1,867.5 20 Large time 299.4 309.8 314.5 314.9 316.2 318.8 316.7 316.3 318.5 314.7 315.4 315.8 21 Other 1,449.2 1,477.0 1,493.9 1,501.2 1,523.4 1,538.9 1,548.7 1,558.0 1,574.3 1,551.2 1,540.0 1,551.7 22 Borrowings 334.0 396.8 393.7 397.7 405.3 409.8 416.6 432.5 424.9 438.2 443.9 429.6 23 From banks in the U.S. 118.6 156.4 154.5 155.9 152.8 154.3 157.1 166.1 160.6 171.2 176.4 153.9 24 From others 215.4 240.4 239.2 241.8 252.5 255.5 259.5 266.5 264.3 267.0 267.5 275.6 25 Net due to related foreign offices 8.5 12.6 10.7 12.8 12.4 12.0 11.8 12.2 8.9 11.8 15.3 15.3 26 Other liabilities 64.5 75.7 79.6 80.5 83.0 84.2 86.4 88.1 86.7 88.8 86.7 91.7 27 TOTAL LIABILITIES 2,456.0 2,584.7 2,609.4 2,631.9 2,665.6 2,690.0 2,715.3 2,746.8 2,745.1 2,746.3 2,757.0 2,745.0 28 Residual (assets less liabilities) (8) 151.9 156.9 152.8 152.6 147.2 149.5 151.6 143.6 141.5 143.9 137.9 149.1 ------------------------------------------------- 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 September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,275.5 2,380.1 2,396.3 2,418.3 2,431.7 2,450.6 2,474.2 2,495.7 2,490.6 2,499.3 2,501.0 2,500.9 2 Securities in bank credit 641.8 670.2 681.9 691.9 688.7 688.0 695.0 699.6 699.7 699.3 701.7 699.1 3 Treasury and Agency securities (2) 432.5 463.8 475.9 487.6 484.7 487.0 491.5 496.0 496.9 496.1 494.9 496.2 4 Other securities 209.3 206.4 206.0 204.2 204.0 201.0 203.5 203.6 202.8 203.2 206.8 202.9 5 Loans and leases in bank credit (3) 1,633.7 1,709.9 1,714.5 1,726.5 1,743.0 1,762.6 1,779.2 1,796.0 1,790.9 1,799.9 1,799.3 1,801.8 6 Commercial and industrial 288.1 295.7 297.7 300.2 301.3 302.3 302.8 303.4 302.7 303.9 303.9 303.7 7 Real estate 975.3 1,029.3 1,034.7 1,046.3 1,055.1 1,069.4 1,082.5 1,096.1 1,092.7 1,097.6 1,099.4 1,097.8 8 Revolving home equity 71.7 80.3 82.2 84.1 85.7 88.5 88.5 89.3 89.1 89.4 89.7 89.8 9 Other 903.5 949.0 952.5 962.2 969.5 980.8 994.0 1,006.8 1,003.6 1,008.2 1,009.8 1,008.1 10 Consumer 261.8 274.3 270.4 268.2 273.4 274.9 277.3 279.5 278.2 281.9 279.6 282.7 10a Credit card and related plans 109.2 116.0 113.7 111.7 116.6 116.6 118.0 118.3 117.7 120.2 117.3 121.0 10h Other 152.6 158.3 156.7 156.5 156.8 158.4 159.3 161.2 160.6 161.7 162.4 161.7 11 Security (4) 7.1 8.1 8.4 8.4 8.5 9.1 8.9 9.0 9.0 8.8 8.7 9.3 12 Other loans and leases 101.5 102.5 103.2 103.4 104.7 106.9 107.7 108.0 108.2 107.7 107.6 108.3 13 Interbank loans 94.7 114.3 120.8 119.3 117.1 122.7 115.4 115.8 115.2 114.7 112.1 119.8 14 Cash assets (5) 117.2 128.2 126.9 131.4 131.6 131.6 134.5 132.8 131.7 131.1 133.6 135.5 15 Other assets (6) 143.5 145.7 147.7 150.0 155.7 158.2 162.3 169.6 170.9 165.7 161.8 183.4 16 TOTAL ASSETS (7) 2,600.2 2,736.9 2,760.7 2,788.2 2,805.1 2,831.9 2,854.9 2,881.9 2,876.5 2,878.7 2,876.5 2,907.5 L I A B I L I T I E S 17 Deposits 2,032.0 2,106.3 2,130.4 2,152.6 2,156.7 2,174.4 2,186.7 2,196.0 2,206.7 2,185.9 2,179.2 2,208.1 18 Transaction 297.0 309.5 313.4 325.1 319.7 324.0 332.4 335.8 326.6 335.6 346.0 350.0 19 Nontransaction 1,735.1 1,796.9 1,817.1 1,827.5 1,837.1 1,850.4 1,854.3 1,860.1 1,880.1 1,850.3 1,833.1 1,858.1 20 Large time 299.4 309.8 314.5 314.9 316.2 318.8 316.7 316.3 318.5 314.7 315.4 315.8 21 Other 1,435.6 1,487.1 1,502.6 1,512.5 1,520.8 1,531.7 1,537.7 1,543.8 1,561.6 1,535.6 1,517.8 1,542.2 22 Borrowings 334.0 396.8 393.7 397.7 405.3 409.8 416.6 432.5 424.9 438.2 443.9 429.6 23 From banks in the U.S. 118.6 156.4 154.5 155.9 152.8 154.3 157.1 166.1 160.6 171.2 176.4 153.9 24 From others 215.4 240.4 239.2 241.8 252.5 255.5 259.5 266.5 264.3 267.0 267.5 275.6 25 Net due to related foreign offices 8.5 12.6 10.7 12.8 12.4 12.0 11.8 12.2 8.9 11.8 15.3 15.3 26 Other liabilities 64.5 75.7 79.6 80.5 83.0 84.2 86.4 88.1 86.7 88.8 86.7 91.7 27 TOTAL LIABILITIES 2,439.0 2,591.4 2,614.4 2,643.6 2,657.5 2,680.4 2,701.6 2,728.8 2,727.2 2,724.6 2,725.1 2,744.7 28 Residual (assets less liabilities) (8) 161.2 145.5 146.3 144.6 147.5 151.5 153.3 153.1 149.3 154.0 151.4 162.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 11 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 619.9 646.7 663.6 654.6 668.3 668.8 645.3 624.8 630.3 613.6 628.0 623.3 2 Securities in bank credit 248.1 279.1 284.0 277.4 288.8 287.9 266.4 264.9 266.7 265.9 265.9 268.9 3 Treasury and Agency securities (2) 81.8 116.4 122.6 125.4 130.9 129.1 119.4 111.8 113.8 110.0 109.7 112.4 4 Other securities 166.3 162.7 161.3 152.0 158.0 158.8 147.0 153.1 152.9 155.9 156.2 156.5 5 Loans and leases in bank credit (3) 371.9 367.6 379.7 377.2 379.4 381.0 378.8 360.0 363.6 347.7 362.1 354.3 6 Commercial and industrial 189.1 174.1 171.7 172.1 169.9 162.4 161.7 155.3 156.1 154.3 154.9 153.5 7 Real estate 18.9 19.7 19.8 19.0 19.2 19.2 19.1 18.8 19.0 18.7 18.6 18.7 11 Security (4) 91.5 108.1 121.4 118.0 118.5 121.2 118.1 110.7 114.9 101.7 112.9 109.8 12 Other loans and leases 72.4 65.6 66.7 68.1 71.8 78.2 80.0 75.1 73.6 73.1 75.7 72.4 13 Interbank loans 17.9 27.0 27.2 22.5 24.7 30.8 33.2 32.5 27.9 35.1 33.3 33.7 14 Cash assets (5) 47.8 38.7 43.8 50.1 52.2 56.2 56.1 56.5 56.4 56.1 56.7 57.8 15 Other assets (6) 27.7 35.1 31.1 35.1 41.6 45.2 43.9 47.4 50.8 49.8 43.8 42.0 16 TOTAL ASSETS (7) 712.9 747.1 765.3 761.7 786.3 800.5 778.0 760.7 764.9 754.2 761.4 756.3 L I A B I L I T I E S 17 Deposits 497.6 442.9 448.4 436.4 438.7 450.6 463.0 464.6 470.2 463.7 459.6 457.9 18 Transaction 10.1 10.3 11.5 11.3 11.0 11.6 11.7 12.0 11.7 12.0 13.2 11.6 19 Nontransaction 487.5 432.6 436.9 425.1 427.7 439.0 451.3 452.5 458.5 451.6 446.4 446.4 22 Borrowings 213.8 274.7 293.4 298.7 307.1 318.9 300.3 296.7 310.5 281.1 287.1 295.0 23 From banks in the U.S. 21.3 31.1 33.7 27.5 31.6 35.2 37.3 34.3 36.7 32.8 32.6 35.8 24 From others 192.5 243.6 259.7 271.2 275.5 283.8 263.0 262.4 273.7 248.3 254.5 259.2 25 Net due to related foreign offices -86.2 -78.4 -83.8 -72.9 -77.8 -81.9 -86.3 -103.9 -122.3 -97.1 -93.8 -99.9 26 Other liabilities 97.6 99.9 95.4 91.2 105.3 110.0 104.1 111.6 115.9 116.6 110.8 110.5 27 TOTAL LIABILITIES 722.9 739.0 753.4 753.4 773.3 797.5 781.1 769.0 774.3 764.2 763.7 763.5 28 Residual (assets less liabilities) (8) -10.0 8.1 11.9 8.4 12.9 3.0 -3.1 -8.3 -9.4 -10.0 -2.2 -7.2 ------------------------------------------------- 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 September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 613.8 651.1 661.8 654.4 663.6 665.4 637.9 618.4 625.4 606.9 620.3 613.8 2 Securities in bank credit (2) 248.1 279.1 284.0 277.4 288.8 287.9 266.4 264.9 266.7 265.9 265.9 268.9 3 Treasury and Agency securities 81.8 116.4 122.6 125.4 130.9 129.1 119.4 111.8 113.8 110.0 109.7 112.4 3a Trading account 13.0 36.4 37.2 39.7 43.0 42.9 40.2 39.2 40.4 38.4 38.4 40.9 3b Investment account 68.7 80.0 85.5 85.7 87.9 86.2 79.2 72.5 73.3 71.6 71.4 71.5 4 Other securities 166.3 162.7 161.3 152.0 158.0 158.8 147.0 153.1 152.9 155.9 156.2 156.5 4a Trading account 110.6 102.0 101.7 97.9 105.1 105.6 95.6 99.5 98.8 101.5 102.6 103.1 4b Investment account 55.8 60.7 59.7 54.2 52.9 53.2 51.4 53.6 54.1 54.4 53.5 53.4 5 Loans and leases in bank credit (3) 365.8 372.0 377.9 377.0 374.7 377.5 371.5 353.5 358.7 341.0 354.4 344.9 6 Commercial and industrial 187.7 175.6 173.2 171.1 168.1 161.9 160.7 154.1 155.0 153.5 153.3 152.3 7 Real estate 18.9 19.7 19.8 19.0 19.2 19.2 19.1 18.8 19.0 18.7 18.6 18.7 11 Security (4) 88.1 111.0 117.3 118.3 116.2 118.7 113.3 106.7 112.5 97.0 107.9 102.0 12 Other loans and leases 71.2 65.7 67.6 68.6 71.3 77.8 78.3 73.8 72.2 71.9 74.6 71.9 13 Interbank loans 17.9 27.0 27.2 22.5 24.7 30.8 33.2 32.5 27.9 35.1 33.3 33.7 14 Cash assets (5) 45.8 39.7 42.6 47.9 50.5 53.5 53.0 54.2 53.8 53.9 54.5 55.9 15 Other assets (6) 27.4 35.6 31.8 34.9 41.7 43.4 42.4 46.7 49.7 48.8 43.7 42.1 16 TOTAL ASSETS (7) 704.5 753.0 763.1 759.2 780.0 792.6 766.1 751.3 756.4 744.4 751.4 745.1 L I A B I L I T I E S 17 Deposits 480.7 453.0 452.5 442.4 444.1 448.7 453.1 448.8 453.9 446.8 445.0 439.2 18 Transaction 9.8 10.3 11.1 10.7 10.6 11.3 11.6 11.7 11.4 11.7 12.7 11.5 19 Nontransaction 470.8 442.8 441.3 431.7 433.6 437.5 441.5 437.0 442.5 435.1 432.3 427.8 22 Borrowings 213.8 274.7 293.4 298.7 307.1 318.9 300.3 296.7 310.5 281.1 287.1 295.0 23 From banks in the U.S. 21.3 31.1 33.7 27.5 31.6 35.2 37.3 34.3 36.7 32.8 32.6 35.8 24 From others 192.5 243.6 259.7 271.2 275.5 283.8 263.0 262.4 273.7 248.3 254.5 259.2 25 Net due to related foreign offices -87.9 -77.3 -81.6 -73.3 -77.5 -83.7 -89.4 -105.3 -123.4 -99.0 -92.9 -100.1 26 Other liabilities 96.5 100.7 97.0 90.9 105.6 108.4 101.6 110.5 114.8 114.9 111.6 110.4 27 TOTAL LIABILITIES 703.1 751.1 761.3 758.6 779.4 792.3 765.5 750.7 755.8 743.8 750.9 744.5 28 Residual (assets less liabilities) (8) 1.4 1.9 1.8 0.6 0.6 0.3 0.6 0.6 0.6 0.6 0.6 0.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars September 12, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Aug Feb Mar Apr May Jun Jul Aug Aug 13 Aug 20 Aug 27 Sep 3 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 112.3 116.8 115.1 105.7 128.1 134.9 112.5 96.5 97.0 96.4 92.3 100.1 30 Reval. losses on off-bal. sheet items (9) 94.2 94.9 91.3 81.4 105.1 109.9 85.3 79.4 79.8 80.7 76.7 79.7 31 Mortgage-backed securities (10) 340.4 376.9 381.4 400.8 427.1 436.7 412.6 387.6 374.5 382.8 379.9 387.6 31a Pass-through 254.1 276.9 276.2 288.5 314.2 324.7 301.5 274.1 258.6 269.6 271.9 274.1 31b CMO, REMIC, and other 86.3 100.0 105.1 112.2 112.9 111.9 111.1 113.5 116.0 113.2 108.0 113.5 32 Net unrealized gains (losses) on available-for-sale securities (11) 9.1 11.7 11.7 10.1 11.2 12.8 6.8 -0.3 -0.1 0.4 -0.6 -2.5 33 Offshore credit to U.S. residents (12) 19.0 18.2 18.2 17.5 17.3 16.6 15.5 14.9 14.6 14.0 15.5 15.5 34 Securitized consumer loans (13) 143.2 152.1 153.9 155.7 156.4 158.2 161.6 162.5 162.5 162.8 162.3 162.1 34a Credit card and related plans 125.5 134.8 136.7 138.7 139.4 140.6 144.0 144.5 144.3 144.8 144.5 144.4 34b Other 17.7 17.3 17.2 17.0 17.0 17.5 17.5 18.0 18.2 18.0 17.9 17.8 35 Securitized business loans (13) 11.0 10.6 10.4 10.0 10.2 9.9 8.4 7.2 7.8 6.8 6.8 6.8 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 297.2 314.5 325.5 335.2 334.3 332.3 326.8 325.6 327.2 325.3 324.2 326.4 34 Securitized consumer loans (13) 201.7 203.8 202.4 204.8 204.7 204.6 201.3 202.6 202.4 201.2 203.6 203.4 34a Credit card and related plans 199.0 195.8 194.3 196.9 196.8 196.9 193.7 195.0 194.8 193.6 196.0 195.9 34b Other 2.7 8.0 8.1 7.9 7.8 7.7 7.6 7.6 7.6 7.6 7.6 7.6 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 65.0 67.1 65.4 64.9 73.5 72.6 65.3 66.0 65.4 66.3 67.9 68.0 30 Reval. losses on off-bal. sheet items (9) 64.6 64.9 63.6 62.4 72.6 72.6 64.8 64.8 64.1 65.5 66.9 66.9 35 Securitized business loans (13) 9.1 4.6 4.1 3.3 3.0 2.5 1.6 1.5 1.5 1.5 1.5 1.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 September 12, 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.