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 October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,721.1 5,992.0 6,026.5 6,133.6 6,195.5 6,203.6 6,187.4 6,187.0 6,181.3 6,147.6 6,196.2 6,167.0 2 Securities in bank credit 1,642.6 1,766.1 1,778.7 1,837.4 1,862.3 1,815.1 1,772.4 1,771.4 1,754.7 1,755.9 1,799.5 1,786.3 3 Treasury and Agency securities (2) 962.7 1,072.2 1,104.4 1,135.2 1,151.7 1,116.1 1,077.9 1,061.3 1,053.4 1,047.5 1,055.2 1,052.6 4 Other securities 679.9 693.9 674.3 702.2 710.7 699.0 694.5 710.1 701.3 708.5 744.3 733.7 5 Loans and leases in bank credit (3) 4,078.5 4,225.9 4,247.8 4,296.2 4,333.1 4,388.5 4,415.0 4,415.5 4,426.6 4,391.7 4,396.7 4,380.7 6 Commercial and industrial 972.8 947.7 946.8 938.5 926.6 929.7 921.8 910.2 910.9 907.4 901.4 900.6 7 Real estate 1,937.4 2,095.1 2,111.3 2,134.2 2,157.1 2,195.0 2,240.0 2,255.8 2,266.7 2,235.5 2,239.4 2,251.7 8 Revolving home equity 200.8 230.5 234.8 238.4 244.8 248.9 253.1 258.4 258.2 259.6 260.6 262.2 9 Other 1,736.7 1,864.6 1,876.5 1,895.8 1,912.3 1,946.0 1,986.8 1,997.4 2,008.5 1,975.9 1,978.8 1,989.5 10 Consumer 582.9 586.9 584.6 589.9 595.8 596.3 597.0 602.0 605.4 603.7 598.2 596.8 11 Security (4) 180.9 193.6 190.6 210.3 212.2 214.8 207.0 202.3 197.5 198.6 214.5 205.3 12 Other loans and leases 404.4 402.6 414.5 423.2 441.4 452.7 449.3 445.3 446.1 446.6 443.1 426.3 13 Interbank loans 317.2 313.4 304.9 316.8 320.2 321.9 327.2 308.1 302.8 308.8 322.1 325.5 14 Cash assets (5) 318.1 323.6 319.7 318.3 331.4 336.4 343.7 331.5 334.0 319.9 348.6 313.9 15 Other assets (6) 501.0 525.0 528.7 546.1 549.7 555.4 566.6 552.9 534.7 541.5 560.6 545.7 16 TOTAL ASSETS (7) 6,782.0 7,077.5 7,104.6 7,239.4 7,321.4 7,342.2 7,348.9 7,303.4 7,276.8 7,241.5 7,351.8 7,277.2 L I A B I L I T I E S 17 Deposits 4,478.4 4,585.6 4,612.6 4,643.4 4,702.4 4,748.1 4,799.6 4,775.5 4,773.6 4,765.6 4,779.8 4,726.2 18 Transaction 582.7 619.4 632.4 634.1 639.3 655.3 655.1 634.7 642.0 672.8 625.1 604.0 19 Nontransaction 3,895.7 3,966.3 3,980.2 4,009.3 4,063.1 4,092.8 4,144.6 4,140.8 4,131.6 4,092.9 4,154.8 4,122.1 20 Large time 1,044.0 1,001.6 985.5 999.2 1,003.4 1,021.3 1,031.8 1,041.1 1,037.1 1,046.8 1,037.7 1,026.5 21 Other 2,851.7 2,964.7 2,994.7 3,010.2 3,059.7 3,071.5 3,112.8 3,099.7 3,094.5 3,046.1 3,117.0 3,095.6 22 Borrowings 1,325.8 1,389.8 1,396.7 1,438.2 1,478.1 1,515.1 1,518.1 1,481.2 1,483.0 1,456.5 1,470.5 1,418.2 23 From banks in the U.S. 415.9 397.3 397.1 389.8 408.6 410.6 416.0 403.2 411.8 404.5 399.9 399.7 24 From others 909.9 992.6 999.6 1,048.4 1,069.6 1,104.4 1,102.0 1,078.1 1,071.2 1,052.0 1,070.6 1,018.5 25 Net due to related foreign offices 92.7 135.8 139.3 146.5 126.4 143.0 126.8 130.6 130.7 113.4 147.6 159.0 26 Other liabilities 431.2 430.0 434.7 459.6 469.9 438.7 428.5 439.2 426.2 425.5 453.9 443.0 27 TOTAL LIABILITIES 6,328.1 6,541.2 6,583.2 6,687.7 6,776.8 6,844.8 6,873.0 6,826.6 6,813.5 6,761.1 6,851.8 6,746.4 28 Residual (assets less liabilities) (8) 453.9 536.3 521.4 551.7 544.6 497.4 476.0 476.8 463.3 480.5 500.0 530.8 ------------------------------------------------- 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 October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,717.8 5,980.8 6,021.0 6,128.2 6,192.0 6,178.1 6,167.4 6,183.1 6,187.8 6,140.0 6,194.4 6,158.5 2 Securities in bank credit 1,641.4 1,771.1 1,776.5 1,835.1 1,856.2 1,799.9 1,765.2 1,770.2 1,753.6 1,751.9 1,797.3 1,784.4 3 Treasury and Agency securities (2) 962.5 1,077.2 1,104.3 1,133.2 1,146.9 1,108.0 1,074.0 1,061.2 1,053.5 1,045.5 1,052.7 1,048.5 4 Other securities 678.9 693.9 672.2 702.0 709.2 691.9 691.2 709.0 700.1 706.4 744.6 735.9 5 Loans and leases in bank credit (3) 4,076.4 4,209.7 4,244.5 4,293.1 4,335.8 4,378.2 4,402.2 4,412.8 4,434.2 4,388.1 4,397.1 4,374.1 6 Commercial and industrial 971.2 949.1 950.6 942.3 930.7 930.8 918.0 908.5 910.5 906.5 902.9 900.9 7 Real estate 1,939.1 2,086.1 2,107.6 2,138.0 2,158.3 2,193.4 2,240.0 2,257.8 2,270.5 2,236.9 2,240.2 2,253.3 8 Revolving home equity 201.4 228.4 234.5 239.6 245.6 249.0 253.3 259.2 259.3 260.5 261.5 262.7 9 Other 1,737.7 1,857.6 1,873.2 1,898.4 1,912.7 1,944.4 1,986.8 1,998.6 2,011.3 1,976.4 1,978.7 1,990.6 10 Consumer 581.9 584.7 581.8 588.7 592.4 590.7 593.2 600.0 604.3 602.7 595.8 593.0 10a Credit card and related plans 230.9 219.6 215.6 221.5 223.2 219.9 219.9 222.8 226.5 224.7 218.0 214.2 10b Other 351.0 365.0 366.2 367.2 369.3 370.8 373.3 377.2 377.8 378.0 377.8 378.8 11 Security (4) 179.4 189.2 189.8 202.6 210.8 208.7 201.7 200.0 201.5 198.0 211.4 200.3 12 Other loans and leases 404.8 400.7 414.7 421.6 443.6 454.6 449.2 446.4 447.4 444.0 446.8 426.6 13 Interbank loans 309.6 319.9 316.0 312.6 321.5 317.3 321.3 301.2 298.7 289.2 314.0 319.0 14 Cash assets (5) 314.3 312.8 318.0 314.7 322.2 325.7 327.1 327.7 326.9 306.3 345.1 313.4 15 Other assets (6) 504.6 524.1 528.1 544.0 544.3 553.7 563.1 556.9 538.0 541.5 570.1 548.5 16 TOTAL ASSETS (7) 6,770.8 7,060.8 7,108.0 7,223.8 7,304.4 7,299.9 7,302.7 7,292.8 7,275.0 7,201.0 7,348.1 7,264.9 L I A B I L I T I E S 17 Deposits 4,441.7 4,592.8 4,637.7 4,636.4 4,691.4 4,718.7 4,749.7 4,739.2 4,735.4 4,690.0 4,754.2 4,723.3 18 Transaction 577.8 611.0 638.3 623.9 633.9 646.6 638.7 629.4 636.3 646.7 625.8 601.8 19 Nontransaction 3,863.9 3,981.8 3,999.4 4,012.5 4,057.6 4,072.0 4,111.0 4,109.8 4,099.1 4,043.3 4,128.3 4,121.5 20 Large time 1,023.5 1,004.3 989.9 1,002.8 1,001.5 1,010.1 1,015.6 1,021.9 1,015.9 1,027.3 1,021.3 1,013.3 21 Other 2,840.4 2,977.4 3,009.5 3,009.6 3,056.1 3,061.9 3,095.3 3,087.9 3,083.2 3,015.9 3,107.1 3,108.2 22 Borrowings 1,323.5 1,386.2 1,400.8 1,443.9 1,477.2 1,508.0 1,498.1 1,479.4 1,486.3 1,464.6 1,473.7 1,417.5 23 From banks in the U.S. 409.1 400.7 401.2 392.2 406.7 407.3 411.5 396.4 405.5 398.5 394.1 397.6 24 From others 914.4 985.5 999.6 1,051.8 1,070.5 1,100.8 1,086.6 1,083.0 1,080.9 1,066.1 1,079.6 1,020.0 25 Net due to related foreign offices 95.0 133.9 130.2 146.0 123.5 133.6 125.1 133.0 131.1 120.0 151.2 156.0 26 Other liabilities 433.5 426.6 423.1 458.8 466.8 429.3 426.8 441.6 426.5 432.0 457.7 440.3 27 TOTAL LIABILITIES 6,293.8 6,539.5 6,591.8 6,685.1 6,759.0 6,789.6 6,799.7 6,793.2 6,779.4 6,706.6 6,836.7 6,737.2 28 Residual (assets less liabilities) (8) 477.1 521.3 516.2 538.7 545.4 510.3 503.0 499.6 495.6 494.4 511.4 527.7 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,099.0 5,328.5 5,371.5 5,464.0 5,523.2 5,553.7 5,556.9 5,557.1 5,554.0 5,521.8 5,568.0 5,532.3 2 Securities in bank credit 1,392.7 1,482.3 1,501.4 1,548.8 1,574.0 1,547.4 1,505.0 1,498.2 1,486.8 1,484.8 1,517.1 1,506.5 3 Treasury and Agency securities (2) 873.1 949.7 980.2 1,007.8 1,027.4 1,001.6 970.5 953.1 946.1 939.6 947.9 946.9 4 Other securities 519.6 532.6 521.1 541.0 546.6 545.8 534.5 545.1 540.7 545.2 569.2 559.5 5 Loans and leases in bank credit (3) 3,706.3 3,846.2 3,870.1 3,915.2 3,949.2 4,006.3 4,051.9 4,058.9 4,067.2 4,037.0 4,050.9 4,025.8 6 Commercial and industrial 787.8 776.0 774.6 768.1 763.3 767.2 765.7 759.0 758.3 757.0 754.7 752.7 7 Real estate 1,918.4 2,075.2 2,092.3 2,114.9 2,137.6 2,175.6 2,220.9 2,237.0 2,247.8 2,216.7 2,220.7 2,233.3 8 Revolving home equity 200.8 230.5 234.8 238.4 244.8 248.9 253.1 258.4 258.2 259.6 260.6 262.2 9 Other 1,717.7 1,844.7 1,857.5 1,876.5 1,892.9 1,926.6 1,967.8 1,978.6 1,989.6 1,957.1 1,960.1 1,971.1 10 Consumer 582.9 586.9 584.6 589.9 595.8 596.3 597.0 602.0 605.4 603.7 598.2 596.8 11 Security (4) 85.7 72.2 72.4 91.4 90.3 95.9 95.4 88.9 84.1 85.7 104.5 88.9 12 Other loans and leases 331.4 335.8 346.2 350.8 362.1 371.3 372.9 372.1 371.5 373.9 372.7 354.2 13 Interbank loans 296.0 286.2 282.5 292.3 289.5 288.7 294.8 277.5 273.4 278.4 294.2 294.6 14 Cash assets (5) 271.5 279.7 270.0 267.3 277.1 282.4 289.4 278.3 277.4 269.9 297.1 264.2 15 Other assets (6) 474.2 495.0 496.2 509.5 513.0 522.3 530.3 523.0 508.7 511.2 526.6 514.2 16 TOTAL ASSETS (7) 6,065.7 6,313.4 6,345.4 6,458.0 6,527.9 6,572.5 6,595.8 6,560.2 6,537.9 6,505.6 6,610.6 6,530.9 L I A B I L I T I E S 17 Deposits 3,986.1 4,137.2 4,178.0 4,210.0 4,259.8 4,294.7 4,344.4 4,324.5 4,323.8 4,311.8 4,334.1 4,280.8 18 Transaction 572.6 607.9 621.2 623.3 627.9 643.8 643.3 623.9 631.3 662.4 614.2 593.3 19 Nontransaction 3,413.4 3,529.4 3,556.8 3,586.7 3,631.9 3,650.8 3,701.1 3,700.6 3,692.6 3,649.4 3,719.9 3,687.5 20 Large time 568.1 583.6 582.2 595.7 590.4 586.3 600.2 604.9 600.3 607.1 604.9 593.9 21 Other 2,845.3 2,945.8 2,974.5 2,991.0 3,041.4 3,064.6 3,100.9 3,095.7 3,092.2 3,042.3 3,114.9 3,093.6 22 Borrowings 1,098.7 1,096.6 1,098.9 1,133.1 1,162.4 1,218.0 1,224.4 1,191.0 1,191.2 1,175.3 1,176.2 1,122.8 23 From banks in the U.S. 393.3 363.6 369.7 358.5 373.9 373.9 382.2 369.5 376.4 372.6 362.3 364.5 24 From others 705.4 733.1 729.2 774.6 788.5 844.2 842.3 821.4 814.8 802.7 814.0 758.3 25 Net due to related foreign offices 177.4 219.6 212.2 224.3 208.3 229.0 230.3 230.3 224.9 213.5 252.1 255.5 26 Other liabilities 339.5 335.3 344.2 352.8 356.4 329.8 312.4 328.6 319.7 319.0 340.8 331.1 27 TOTAL LIABILITIES 5,601.7 5,788.7 5,833.2 5,920.2 5,986.8 6,071.5 6,111.6 6,074.3 6,059.6 6,019.7 6,103.3 5,990.2 28 Residual (assets less liabilities) (8) 464.0 524.7 512.2 537.8 541.1 501.0 484.2 485.9 478.3 485.9 507.4 540.7 ------------------------------------------------- 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 October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,099.3 5,319.1 5,366.2 5,463.4 5,523.2 5,535.7 5,543.4 5,557.3 5,561.7 5,516.1 5,568.8 5,530.6 2 Securities in bank credit 1,391.5 1,487.3 1,499.2 1,546.6 1,567.8 1,532.3 1,497.7 1,496.9 1,485.7 1,480.8 1,515.0 1,504.5 3 Treasury and Agency securities (2) 873.0 954.7 980.1 1,005.8 1,022.7 993.5 966.6 953.0 946.2 937.7 945.5 942.8 4 Other securities 518.6 532.6 519.1 540.8 545.2 538.8 531.2 544.0 539.5 543.1 569.5 561.7 5 Loans and leases in bank credit (3) 3,707.7 3,831.8 3,867.0 3,916.8 3,955.3 4,003.4 4,045.6 4,060.4 4,076.1 4,035.3 4,053.8 4,026.1 6 Commercial and industrial 786.3 775.9 779.3 773.7 767.9 769.2 763.1 757.4 757.9 755.8 755.1 753.2 7 Real estate 1,920.0 2,066.2 2,088.6 2,118.7 2,138.9 2,174.0 2,221.0 2,239.0 2,251.6 2,218.1 2,221.5 2,234.9 8 Revolving home equity 201.4 228.4 234.5 239.6 245.6 249.0 253.3 259.2 259.3 260.5 261.5 262.7 9 Other 1,718.6 1,837.8 1,854.1 1,879.1 1,893.3 1,925.0 1,967.7 1,979.8 1,992.4 1,957.6 1,960.0 1,972.1 10 Consumer 581.9 584.7 581.8 588.7 592.4 590.7 593.2 600.0 604.3 602.7 595.8 593.0 10a Credit card and related plans 230.9 219.6 215.6 221.5 223.2 219.9 219.9 222.8 226.5 224.7 218.0 214.2 10d Other 351.0 365.0 366.2 367.2 369.3 370.8 373.3 377.2 377.8 378.0 377.8 378.8 11 Security (4) 87.1 71.9 71.3 86.0 91.4 94.6 94.2 90.1 88.7 86.5 105.0 89.4 12 Other loans and leases 332.5 333.1 345.9 349.7 364.7 374.9 374.1 373.9 373.6 372.2 376.3 355.6 13 Interbank loans 288.4 292.6 293.6 288.0 290.8 284.2 288.9 270.6 269.3 258.8 286.2 288.1 14 Cash assets (5) 268.0 270.1 270.4 265.3 270.5 274.6 275.0 274.9 271.3 255.7 292.2 263.9 15 Other assets (6) 477.8 493.4 495.8 507.3 509.0 521.6 527.3 527.0 512.1 511.4 536.1 517.2 16 TOTAL ASSETS (7) 6,058.4 6,299.0 6,351.3 6,448.7 6,518.3 6,541.6 6,558.8 6,554.1 6,538.4 6,466.5 6,608.3 6,525.8 L I A B I L I T I E S 17 Deposits 3,967.6 4,140.3 4,197.1 4,197.6 4,250.7 4,275.0 4,310.0 4,304.7 4,305.0 4,249.9 4,320.6 4,292.4 18 Transaction 567.5 599.8 627.7 613.5 622.8 635.3 627.3 618.3 625.6 635.9 614.3 591.3 19 Nontransaction 3,400.1 3,540.5 3,569.4 3,584.1 3,627.9 3,639.7 3,682.7 3,686.4 3,679.4 3,614.0 3,706.3 3,701.1 20 Large time 565.7 582.1 580.4 593.9 590.0 584.6 598.8 602.4 598.4 601.7 601.2 594.9 21 Other 2,834.4 2,958.4 2,989.1 2,990.2 3,037.8 3,055.1 3,083.9 3,084.0 3,081.0 3,012.3 3,105.0 3,106.2 22 Borrowings 1,096.4 1,093.0 1,103.1 1,138.9 1,161.4 1,211.0 1,204.5 1,189.1 1,194.5 1,183.4 1,179.5 1,122.2 23 From banks in the U.S. 386.5 367.0 373.8 360.8 372.0 370.5 377.6 362.8 370.1 366.7 356.5 362.4 24 From others 709.9 726.0 729.3 778.0 789.4 840.5 826.8 826.3 824.4 816.8 823.0 759.7 25 Net due to related foreign offices 178.2 215.5 203.5 223.5 207.3 222.9 230.0 231.3 224.5 216.7 254.2 254.2 26 Other liabilities 340.9 330.4 332.8 351.7 354.9 323.1 311.9 329.9 319.3 322.6 343.2 329.9 27 TOTAL LIABILITIES 5,583.1 5,779.2 5,836.5 5,911.7 5,974.2 6,032.0 6,056.4 6,055.1 6,043.4 5,972.7 6,097.5 5,998.7 28 Residual (assets less liabilities) (8) 475.3 519.8 514.7 537.1 544.1 509.7 502.4 499.0 495.0 493.8 510.8 527.1 ------------------------------------------------- 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 October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,799.3 2,928.6 2,948.8 3,023.9 3,059.2 3,062.8 3,047.2 3,048.8 3,045.0 3,021.0 3,063.1 3,024.3 2 Securities in bank credit 745.0 803.2 810.1 856.6 880.6 845.3 799.5 797.0 787.8 786.9 816.8 804.5 3 Treasury and Agency securities (2) 432.3 476.6 493.3 520.0 536.2 503.8 468.9 456.4 451.0 446.0 453.9 451.3 3a Trading account 42.4 41.8 40.7 43.6 38.8 38.5 34.7 38.1 39.1 29.8 36.0 33.0 3b Investment account 389.9 434.7 452.6 476.4 497.4 465.3 434.1 418.3 411.9 416.2 417.9 418.3 4 Other securities 312.8 326.6 316.8 336.6 344.4 341.5 330.7 340.6 336.8 340.9 362.9 353.2 4a Trading account 171.3 171.6 161.5 183.4 187.9 172.6 161.1 171.1 167.7 171.6 190.7 182.3 4b Investment account 141.5 155.0 155.3 153.2 156.5 168.9 169.6 169.5 169.1 169.3 172.2 170.9 4c State and local government 28.4 30.1 30.9 31.3 32.2 32.3 31.4 31.5 31.4 31.6 31.5 31.5 4d Other 113.1 124.9 124.4 121.9 124.3 136.6 138.2 138.1 137.7 137.6 140.7 139.4 5 Loans and leases in bank credit (3) 2,054.3 2,125.4 2,138.7 2,167.3 2,178.6 2,217.5 2,247.7 2,251.8 2,257.2 2,234.1 2,246.3 2,219.8 6 Commercial and industrial 496.7 478.2 476.0 468.0 461.4 463.8 458.6 450.3 449.7 448.8 445.8 444.5 7 Real estate 929.1 1,037.9 1,043.7 1,058.5 1,066.1 1,090.2 1,123.4 1,139.1 1,148.5 1,122.8 1,125.7 1,134.5 8 Revolving home equity 127.6 147.8 150.4 152.9 156.4 160.1 163.7 168.1 167.8 169.3 169.9 170.7 9 Other 801.6 890.1 893.3 905.6 909.7 930.1 959.7 971.0 980.7 953.4 955.9 963.8 10 Consumer 319.0 313.8 312.3 312.5 314.2 311.7 312.7 316.0 317.8 317.7 312.6 312.3 11 Security (4) 78.6 64.1 64.3 82.6 80.9 86.6 86.0 79.6 74.9 76.4 95.3 79.9 11a Fed funds and RPs with broker/dealer 68.6 52.6 52.4 63.0 63.5 68.7 66.8 62.1 58.7 58.4 76.7 61.1 11b Other 9.9 11.4 11.8 19.5 17.4 17.9 19.2 17.6 16.2 18.0 18.6 18.8 12a State and local government 13.1 12.5 12.4 12.4 12.7 13.0 13.3 13.4 13.3 13.5 13.8 13.7 12b Agricultural 8.3 7.9 7.7 7.5 7.4 7.3 7.4 7.4 7.5 7.4 7.4 7.4 12c Fed funds and RPs with others 20.4 23.5 24.7 26.5 28.0 25.8 24.2 26.5 26.1 28.4 27.8 23.3 12d All other loans 68.9 77.1 88.2 89.5 97.2 109.2 112.6 110.1 110.1 109.9 109.1 95.8 12e Lease financing receivables 120.0 110.5 109.4 109.8 110.7 109.9 109.4 109.3 109.4 109.2 108.9 108.4 13 Interbank loans 197.4 171.8 171.1 171.0 165.1 168.8 178.5 164.3 159.8 163.0 178.6 183.0 13a Fed funds and RPs with banks 101.7 100.3 99.1 100.8 97.7 97.7 99.0 95.5 94.8 97.3 100.6 103.2 13b Other 95.6 71.5 72.0 70.2 67.4 71.1 79.5 68.8 64.9 65.7 77.9 79.8 14 Cash assets (5) 148.5 148.3 135.8 132.9 140.4 142.1 146.7 139.8 138.9 130.9 152.8 124.3 15 Other assets (6) 329.1 347.6 347.2 356.5 359.2 364.1 367.6 358.2 345.8 347.1 356.6 351.9 16 TOTAL ASSETS (7) 3,430.4 3,551.3 3,558.9 3,640.1 3,679.7 3,694.3 3,695.8 3,667.2 3,645.7 3,617.9 3,707.3 3,640.5 ------------------------------------------------- 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) October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,930.8 2,015.3 2,039.8 2,046.6 2,075.9 2,093.6 2,128.0 2,113.4 2,112.3 2,106.4 2,116.5 2,071.3 18 Transaction 274.3 291.0 296.2 297.3 300.2 307.2 304.1 290.8 297.1 312.8 281.9 263.7 19 Nontransaction 1,656.5 1,724.3 1,743.6 1,749.2 1,775.7 1,786.5 1,823.9 1,822.6 1,815.2 1,793.6 1,834.6 1,807.6 20 Large time 267.8 269.1 267.2 279.1 271.1 268.9 283.2 286.3 281.8 289.0 285.9 275.0 21 Other 1,388.7 1,455.2 1,476.4 1,470.2 1,504.6 1,517.5 1,540.7 1,536.2 1,533.4 1,504.7 1,548.7 1,532.6 22 Borrowings 744.7 699.6 697.4 722.9 746.7 794.2 786.0 750.9 748.9 728.3 742.8 686.1 23 From banks in the U.S. 269.4 208.0 212.3 203.6 216.7 213.9 213.4 204.6 207.9 200.9 194.3 195.3 24 From others 475.3 491.6 485.1 519.3 530.0 580.4 572.7 546.3 541.0 527.4 548.5 490.9 25 Net due to related foreign offices 168.8 208.9 199.3 211.9 196.3 217.2 218.3 216.2 209.7 200.5 238.0 241.4 26 Other liabilities 273.2 255.6 264.7 272.7 277.0 249.2 231.7 248.6 240.7 239.7 259.2 251.3 27 TOTAL LIABILITIES 3,117.5 3,179.5 3,201.2 3,254.0 3,295.8 3,354.3 3,364.0 3,329.1 3,311.6 3,275.0 3,356.6 3,250.2 28 Residual (assets less liabilities) (8) 312.9 371.9 357.7 386.0 383.9 340.0 331.8 338.1 334.1 342.9 350.7 390.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 7 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,797.2 2,922.5 2,945.3 3,024.9 3,061.5 3,050.0 3,036.9 3,047.0 3,049.1 3,010.3 3,063.6 3,023.0 2 Securities in bank credit 743.8 805.5 806.4 855.1 874.9 832.0 794.0 795.6 786.2 781.3 816.1 805.0 3 Treasury and Agency securities (2) 432.0 478.8 491.7 518.8 531.9 497.5 466.7 456.1 450.6 442.5 452.9 449.6 3a Trading account 42.4 42.1 40.6 43.5 38.5 38.0 34.6 38.1 39.1 29.6 35.9 32.9 3b Investment account 389.6 436.8 451.1 475.3 493.3 459.5 432.1 418.0 411.5 412.9 417.0 416.8 3c Mortgage-backed 310.2 334.7 354.4 380.2 389.4 364.1 335.5 320.8 316.8 314.8 317.6 317.5 3d Other 79.4 102.0 96.7 95.0 103.9 95.4 96.6 97.3 94.7 98.1 99.4 99.2 3e 1 year or less 19.9 24.4 24.6 23.2 24.3 24.1 24.4 23.9 23.9 23.5 23.2 23.9 3f Between 1 and 5 years 46.6 57.3 55.2 55.2 57.3 51.2 52.5 52.9 51.9 53.0 54.1 55.9 3g More than 5 years 13.0 20.3 16.9 16.7 22.3 20.1 19.7 20.4 18.9 21.6 22.0 19.5 4 Other securities 311.7 326.7 314.7 336.3 343.0 334.4 327.4 339.5 335.6 338.8 363.2 355.4 4a Trading account 170.7 171.7 160.5 183.2 187.2 169.0 159.5 170.6 167.1 170.6 190.8 183.4 4b Investment account 141.0 155.0 154.3 153.1 155.8 165.4 167.9 169.0 168.5 168.2 172.4 171.9 4c State and local government 28.4 30.1 30.7 31.3 32.1 31.6 31.1 31.4 31.3 31.4 31.6 31.6 4d Other 112.7 124.9 123.6 121.8 123.8 133.8 136.8 137.6 137.2 136.8 140.8 140.3 5 Loans and leases in bank credit (3) 2,053.5 2,117.0 2,138.8 2,169.8 2,186.6 2,218.0 2,242.8 2,251.3 2,262.8 2,229.0 2,247.5 2,218.0 6 Commercial and industrial 496.9 478.1 478.5 471.1 463.7 465.0 457.2 450.5 451.0 448.7 447.6 445.7 7 Real estate 930.2 1,031.1 1,041.8 1,062.8 1,068.6 1,090.2 1,124.3 1,140.5 1,151.3 1,122.0 1,126.0 1,136.2 8 Revolving home equity 128.0 146.1 150.3 154.0 157.4 160.5 164.2 168.6 168.5 169.6 170.3 171.1 9a Other residential 483.3 561.2 569.8 588.3 591.5 613.0 643.4 654.5 665.3 634.4 638.4 648.2 9b Commercial 318.9 323.8 321.7 320.5 319.7 316.7 316.7 317.3 317.6 317.9 317.3 316.9 10 Consumer 316.1 314.3 312.9 313.4 314.3 309.8 310.2 312.3 314.3 313.9 308.7 307.1 10a Credit card and related plans 118.6 105.9 103.5 103.9 104.9 100.0 99.7 99.2 100.8 100.4 95.2 93.4 10f Other 197.5 208.4 209.4 209.6 209.4 209.8 210.5 213.1 213.5 213.6 213.4 213.7 11 Security (4) 80.0 63.5 62.9 77.3 82.1 85.4 84.8 81.0 79.5 77.8 95.9 80.2 11a Fed funds and RPs with broker/dealer 69.9 52.2 51.4 59.0 64.5 67.8 65.9 63.1 62.3 59.5 77.2 61.3 11b Other 10.1 11.3 11.6 18.3 17.6 17.6 18.9 17.9 17.2 18.3 18.7 18.9 12a State and local government 13.1 12.5 12.4 12.4 12.7 13.0 13.3 13.4 13.3 13.5 13.8 13.7 12b Agricultural 8.3 7.8 7.7 7.6 7.5 7.4 7.5 7.4 7.4 7.4 7.3 7.4 12c Fed funds and RPs with others 20.4 23.5 24.7 26.5 28.0 25.8 24.2 26.5 26.1 28.4 27.8 23.3 12d All other loans 70.0 74.9 88.0 88.9 99.3 111.9 112.9 111.8 112.2 109.8 112.3 96.6 12e Lease financing receivables 118.5 111.2 109.8 109.8 110.3 109.4 108.4 107.8 107.8 107.5 108.1 107.9 13 Interbank loans 191.4 171.9 174.4 171.7 169.3 168.9 173.3 158.9 157.2 155.3 174.0 173.4 13a Fed funds and RPs with banks 98.9 100.4 101.0 101.2 100.2 97.8 96.2 92.4 93.3 92.7 98.1 97.8 13b Other 92.5 71.5 73.4 70.5 69.1 71.1 77.1 66.5 63.9 62.6 75.9 75.6 14 Cash assets (5) 145.5 143.3 138.5 132.0 136.0 136.6 137.1 136.9 135.9 122.6 149.6 122.5 15 Other assets (6) 332.7 345.9 346.8 354.3 355.2 363.5 364.6 362.3 349.2 347.3 366.1 354.9 16 TOTAL ASSETS (7) 3,422.9 3,538.4 3,561.0 3,638.5 3,677.6 3,675.5 3,667.5 3,661.0 3,647.2 3,591.6 3,710.0 3,631.2 ------------------------------------------------- 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) October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,923.2 2,013.4 2,047.2 2,042.2 2,076.3 2,087.7 2,111.6 2,104.9 2,106.4 2,071.7 2,113.1 2,077.5 18 Transaction 270.0 286.6 302.4 293.0 297.4 301.3 291.9 286.0 293.8 296.7 282.1 259.6 19 Nontransaction 1,653.2 1,726.7 1,744.9 1,749.2 1,778.9 1,786.4 1,819.7 1,818.8 1,812.6 1,775.0 1,831.0 1,817.9 20 Large time 265.4 267.6 265.3 277.3 270.7 267.3 281.8 283.8 279.8 283.6 282.1 275.9 21 Other 1,387.9 1,459.1 1,479.5 1,471.9 1,508.3 1,519.1 1,537.9 1,535.1 1,532.7 1,491.3 1,548.8 1,542.0 22 Borrowings 742.4 696.0 701.6 728.6 745.7 787.2 766.1 749.1 752.2 736.4 746.1 685.5 23 From banks in the U.S. 262.6 211.4 216.4 205.9 214.8 210.5 208.8 197.9 201.6 195.0 188.5 193.2 24 From others 479.8 484.6 485.1 522.7 530.9 576.7 557.2 551.3 550.7 541.4 557.5 492.3 25 Net due to related foreign offices 169.6 204.8 190.7 211.0 195.2 211.1 218.0 217.3 209.3 203.7 240.2 240.2 26 Other liabilities 274.5 250.7 253.3 271.7 275.5 242.4 231.2 249.9 240.4 243.3 261.6 250.1 27 TOTAL LIABILITIES 3,109.7 3,164.9 3,192.8 3,253.6 3,292.8 3,328.4 3,326.9 3,321.2 3,308.3 3,255.1 3,361.0 3,253.2 28 Residual (assets less liabilities) (8) 313.2 373.5 368.2 384.9 384.8 347.2 340.6 339.9 338.9 336.5 349.0 377.9 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 9 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,299.7 2,399.9 2,422.7 2,440.1 2,464.0 2,490.9 2,509.7 2,508.3 2,508.9 2,500.8 2,504.9 2,508.0 2 Securities in bank credit 647.7 679.1 691.3 692.2 693.4 702.1 705.4 701.2 699.0 697.9 700.3 701.9 3 Treasury and Agency securities (2) 440.9 473.1 486.9 487.8 491.2 497.8 501.6 496.7 495.1 493.7 494.0 495.6 4 Other securities 206.8 206.0 204.3 204.4 202.2 204.3 203.8 204.4 203.9 204.3 206.3 206.3 5 Loans and leases in bank credit (3) 1,652.0 1,720.8 1,731.4 1,747.9 1,770.6 1,788.7 1,804.2 1,807.1 1,810.0 1,802.9 1,804.6 1,806.0 6 Commercial and industrial 291.1 297.9 298.6 300.1 301.9 303.3 307.1 308.7 308.6 308.3 308.9 308.2 7 Real estate 989.3 1,037.3 1,048.6 1,056.4 1,071.5 1,085.4 1,097.5 1,097.9 1,099.3 1,093.9 1,095.0 1,098.8 8 Revolving home equity 73.2 82.7 84.3 85.5 88.4 88.9 89.4 90.3 90.3 90.3 90.8 91.5 9 Other 916.1 954.6 964.2 970.8 983.1 996.5 1,008.0 1,007.6 1,009.0 1,003.7 1,004.2 1,007.2 10 Consumer 263.9 273.2 272.3 277.4 281.6 284.6 284.2 286.0 287.6 285.9 285.6 284.5 11 Security (4) 7.2 8.1 8.2 8.9 9.4 9.3 9.4 9.2 9.3 9.3 9.2 9.1 12 Other loans and leases 100.6 104.3 103.8 105.1 106.1 106.1 106.0 105.3 105.2 105.4 105.8 105.6 13 Interbank loans 98.7 114.3 111.4 121.3 124.4 119.9 116.3 113.2 113.7 115.4 115.7 111.6 14 Cash assets (5) 123.0 131.4 134.2 134.4 136.7 140.3 142.7 138.5 138.4 139.0 144.3 140.0 15 Other assets (6) 145.1 147.4 149.0 152.9 153.8 158.1 162.7 164.7 162.9 164.1 170.0 162.3 16 TOTAL ASSETS (7) 2,635.3 2,762.1 2,786.5 2,818.0 2,848.2 2,878.2 2,900.0 2,893.0 2,892.1 2,887.7 2,903.3 2,890.3 L I A B I L I T I E S 17 Deposits 2,055.2 2,122.0 2,138.2 2,163.4 2,183.9 2,201.0 2,216.4 2,211.1 2,211.5 2,205.4 2,217.6 2,209.5 18 Transaction 298.3 316.9 325.0 326.0 327.7 336.7 339.2 333.0 334.1 349.6 332.3 329.6 19 Nontransaction 1,756.9 1,805.1 1,813.2 1,837.5 1,856.2 1,864.4 1,877.3 1,878.1 1,877.4 1,855.7 1,885.3 1,879.9 20 Large time 300.3 314.5 315.1 316.6 319.3 317.3 317.0 318.6 318.5 318.1 319.1 318.9 21 Other 1,456.6 1,490.6 1,498.1 1,520.8 1,536.9 1,547.1 1,560.2 1,559.5 1,558.9 1,537.7 1,566.2 1,560.9 22 Borrowings 354.0 397.0 401.5 410.2 415.7 423.8 438.4 440.0 442.3 447.0 433.4 436.7 23 From banks in the U.S. 123.9 155.6 157.4 154.9 157.2 160.0 168.8 164.9 168.5 171.7 168.0 169.3 24 From others 230.1 241.5 244.2 255.3 258.5 263.8 269.6 275.1 273.8 275.4 265.5 267.4 25 Net due to related foreign offices 8.6 10.7 12.8 12.4 12.0 11.8 12.0 14.1 15.2 13.0 14.1 14.1 26 Other liabilities 66.3 79.6 79.5 80.1 79.4 80.6 80.7 80.0 78.9 79.3 81.6 79.8 27 TOTAL LIABILITIES 2,484.2 2,609.3 2,632.0 2,666.2 2,691.0 2,717.3 2,747.6 2,745.2 2,748.0 2,744.7 2,746.7 2,740.0 28 Residual (assets less liabilities) (8) 151.1 152.8 154.5 151.8 157.2 160.9 152.4 147.8 144.2 143.0 156.6 150.3 ------------------------------------------------- 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 October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,302.0 2,396.6 2,420.9 2,438.5 2,461.7 2,485.8 2,506.5 2,510.4 2,512.6 2,505.8 2,505.1 2,507.7 2 Securities in bank credit 647.8 681.8 692.8 691.4 693.0 700.3 703.7 701.3 699.4 699.5 698.8 699.6 3 Treasury and Agency securities (2) 441.0 475.8 488.4 487.0 490.8 495.9 499.9 496.8 495.5 495.2 492.6 493.2 4 Other securities 206.8 206.0 204.3 204.4 202.2 204.3 203.8 204.4 203.9 204.3 206.3 206.3 5 Loans and leases in bank credit (3) 1,654.2 1,714.8 1,728.1 1,747.1 1,768.8 1,785.5 1,802.8 1,809.1 1,813.2 1,806.3 1,806.3 1,808.1 6 Commercial and industrial 289.4 297.8 300.8 302.6 304.2 304.2 305.9 306.9 306.9 307.1 307.5 307.6 7 Real estate 989.8 1,035.1 1,046.8 1,055.8 1,070.3 1,083.7 1,096.7 1,098.5 1,100.3 1,096.1 1,095.5 1,098.7 8 Revolving home equity 73.4 82.3 84.1 85.6 88.3 88.4 89.1 90.6 90.8 90.9 91.1 91.7 9 Other 916.4 952.9 962.7 970.3 982.0 995.3 1,007.6 1,007.9 1,009.5 1,005.2 1,004.4 1,007.0 10 Consumer 265.8 270.3 268.8 275.3 278.1 280.9 283.1 287.7 290.0 288.7 287.1 285.9 10a Credit card and related plans 112.3 113.7 112.1 117.7 118.3 120.0 120.3 123.6 125.7 124.3 122.8 120.8 10h Other 153.5 156.6 156.8 157.6 159.8 161.0 162.8 164.1 164.3 164.4 164.3 165.1 11 Security (4) 7.1 8.4 8.4 8.7 9.3 9.2 9.4 9.1 9.2 8.7 9.1 9.2 12 Other loans and leases 102.2 103.2 103.3 104.6 106.8 107.4 107.7 106.8 106.8 105.7 107.1 106.7 13 Interbank loans 96.9 120.8 119.2 116.3 121.5 115.3 115.6 111.7 112.1 103.5 112.2 114.8 14 Cash assets (5) 122.5 126.8 131.9 133.3 134.5 138.0 138.0 138.0 135.4 133.0 142.6 141.5 15 Other assets (6) 145.1 147.4 149.0 152.9 153.8 158.1 162.7 164.7 162.9 164.1 170.0 162.3 16 TOTAL ASSETS (7) 2,635.5 2,760.6 2,790.3 2,810.3 2,840.7 2,866.1 2,891.3 2,893.1 2,891.2 2,874.9 2,898.4 2,894.7 L I A B I L I T I E S 17 Deposits 2,044.4 2,127.0 2,149.9 2,155.4 2,174.4 2,187.3 2,198.4 2,199.8 2,198.6 2,178.2 2,207.5 2,214.9 18 Transaction 297.5 313.2 325.3 320.5 325.4 334.0 335.3 332.3 331.8 339.2 332.2 331.7 19 Nontransaction 1,746.8 1,813.8 1,824.6 1,834.9 1,848.9 1,853.4 1,863.0 1,867.5 1,866.8 1,839.1 1,875.3 1,883.2 20 Large time 300.3 314.5 315.1 316.6 319.3 317.3 317.0 318.6 318.5 318.1 319.1 318.9 21 Other 1,446.5 1,499.2 1,509.5 1,518.3 1,529.6 1,536.0 1,546.0 1,548.9 1,548.3 1,521.0 1,556.2 1,564.2 22 Borrowings 354.0 397.0 401.5 410.2 415.7 423.8 438.4 440.0 442.3 447.0 433.4 436.7 23 From banks in the U.S. 123.9 155.6 157.4 154.9 157.2 160.0 168.8 164.9 168.5 171.7 168.0 169.3 24 From others 230.1 241.5 244.2 255.3 258.5 263.8 269.6 275.1 273.8 275.4 265.5 267.4 25 Net due to related foreign offices 8.6 10.7 12.8 12.4 12.0 11.8 12.0 14.1 15.2 13.0 14.1 14.1 26 Other liabilities 66.3 79.6 79.5 80.1 79.4 80.6 80.7 80.0 78.9 79.3 81.6 79.8 27 TOTAL LIABILITIES 2,473.3 2,614.3 2,643.7 2,658.1 2,681.4 2,703.6 2,729.5 2,733.9 2,735.1 2,717.6 2,736.6 2,745.5 28 Residual (assets less liabilities) (8) 162.1 146.4 146.5 152.2 159.3 162.5 161.8 159.2 156.1 157.3 161.8 149.2 ------------------------------------------------- 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 October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 622.1 663.5 655.0 669.6 672.3 649.9 630.6 629.9 627.3 625.8 628.2 634.7 2 Securities in bank credit 249.8 283.8 277.3 288.5 288.4 267.7 267.5 273.3 267.9 271.1 282.4 279.8 3 Treasury and Agency securities (2) 89.5 122.5 124.2 127.4 124.3 114.5 107.4 108.3 107.4 107.8 107.2 105.7 4 Other securities 160.3 161.3 153.1 161.2 164.1 153.2 160.0 165.0 160.6 163.3 175.2 174.2 5 Loans and leases in bank credit (3) 372.2 379.7 377.7 381.0 383.9 382.2 363.1 356.6 359.4 354.7 345.8 354.9 6 Commercial and industrial 185.0 171.7 172.2 170.4 163.3 162.6 156.1 151.2 152.6 150.3 146.8 148.0 7 Real estate 19.0 19.8 19.0 19.3 19.4 19.4 19.1 18.8 18.9 18.8 18.7 18.5 11 Security (4) 95.2 121.4 118.1 118.9 121.8 118.9 111.6 113.4 113.4 112.8 110.0 116.3 12 Other loans and leases 73.0 66.7 68.3 72.4 79.3 81.3 76.3 73.2 74.5 72.8 70.4 72.1 13 Interbank loans 21.2 27.2 22.4 24.6 30.7 33.1 32.4 30.6 29.4 30.4 27.8 30.9 14 Cash assets (5) 46.6 43.9 49.7 51.1 54.3 54.0 54.3 53.2 56.7 50.0 51.5 49.7 15 Other assets (6) 26.8 30.0 32.5 36.6 36.7 33.2 36.3 29.9 26.0 30.2 34.0 31.5 16 TOTAL ASSETS (7) 716.3 764.1 759.2 781.4 793.5 769.7 753.2 743.2 738.9 735.9 741.1 746.3 L I A B I L I T I E S 17 Deposits 492.3 448.4 434.6 433.4 442.6 453.4 455.2 451.0 449.7 453.8 445.7 445.4 18 Transaction 10.1 11.5 11.2 10.8 11.4 11.4 11.8 10.9 10.7 10.3 10.8 10.7 19 Nontransaction 482.2 436.9 423.4 422.6 431.2 442.0 443.4 440.2 439.0 443.5 434.9 434.7 22 Borrowings 227.1 293.2 297.7 305.1 315.8 297.0 293.6 290.3 291.8 281.2 294.2 295.4 23 From banks in the U.S. 22.6 33.7 27.4 31.3 34.7 36.8 33.8 33.6 35.4 31.9 37.6 35.1 24 From others 204.5 259.5 270.3 273.7 281.1 260.3 259.8 256.7 256.4 249.3 256.6 260.2 25 Net due to related foreign offices -84.7 -83.8 -72.9 -77.9 -81.9 -86.0 -103.5 -99.6 -94.2 -100.1 -104.5 -96.5 26 Other liabilities 91.7 94.7 90.6 106.8 113.5 108.9 116.1 110.6 106.5 106.5 113.1 111.9 27 TOTAL LIABILITIES 726.4 752.5 750.0 767.4 790.0 773.3 761.4 752.2 753.9 741.4 748.5 756.2 28 Residual (assets less liabilities) (8) -10.1 11.6 9.2 13.9 3.5 -3.6 -8.2 -9.0 -15.0 -5.4 -7.4 -9.9 ------------------------------------------------- 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 October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 618.5 661.7 654.9 664.8 668.8 642.4 624.0 625.7 626.0 623.9 625.7 627.8 2 Securities in bank credit (2) 249.8 283.8 277.3 288.5 288.4 267.7 267.5 273.3 267.9 271.1 282.4 279.8 3 Treasury and Agency securities 89.5 122.5 124.2 127.4 124.3 114.5 107.4 108.3 107.4 107.8 107.2 105.7 3a Trading account 16.1 37.2 39.8 43.1 43.2 40.5 39.6 40.5 39.2 40.3 41.0 38.8 3b Investment account 73.4 85.4 84.4 84.3 81.1 74.0 67.9 67.8 68.1 67.5 66.2 66.9 4 Other securities 160.3 161.3 153.1 161.2 164.1 153.2 160.0 165.0 160.6 163.3 175.2 174.2 4a Trading account 105.1 101.6 97.9 105.2 105.8 95.8 99.8 102.8 100.3 103.0 105.5 105.1 4b Investment account 55.2 59.7 55.2 56.0 58.3 57.3 60.2 62.2 60.3 60.3 69.7 69.1 5 Loans and leases in bank credit (3) 368.7 377.9 377.6 376.3 380.4 374.8 356.6 352.5 358.1 352.8 343.3 348.0 6 Commercial and industrial 184.9 173.2 171.3 168.6 162.8 161.6 154.9 151.1 152.6 150.7 147.7 147.7 7 Real estate 19.0 19.8 19.0 19.3 19.4 19.4 19.1 18.8 18.9 18.8 18.7 18.5 11 Security (4) 92.3 117.3 118.5 116.6 119.3 114.1 107.5 109.9 112.9 111.4 106.4 110.9 12 Other loans and leases 72.4 67.6 68.8 71.8 78.9 79.7 75.1 72.6 73.8 71.8 70.4 71.0 13 Interbank loans 21.2 27.2 22.4 24.6 30.7 33.1 32.4 30.6 29.4 30.4 27.8 30.9 14 Cash assets (5) 46.3 42.7 47.5 49.4 51.8 51.1 52.1 52.8 55.7 50.6 52.8 49.5 15 Other assets (6) 26.8 30.7 32.4 36.7 35.3 32.1 35.8 29.9 26.0 30.1 33.9 31.3 16 TOTAL ASSETS (7) 712.4 761.8 756.7 775.1 786.1 758.2 743.9 738.7 736.6 734.5 739.8 739.1 L I A B I L I T I E S 17 Deposits 474.1 452.4 440.6 438.8 440.8 443.7 439.7 434.5 430.4 440.0 433.6 430.9 18 Transaction 10.3 11.1 10.6 10.4 11.0 11.4 11.5 11.1 10.7 10.8 11.5 10.5 19 Nontransaction 463.9 441.3 430.0 428.4 429.7 432.3 428.3 423.4 419.7 429.2 422.1 420.4 22 Borrowings 227.1 293.2 297.7 305.1 315.8 297.0 293.6 290.3 291.8 281.2 294.2 295.4 23 From banks in the U.S. 22.6 33.7 27.4 31.3 34.7 36.8 33.8 33.6 35.4 31.9 37.6 35.1 24 From others 204.5 259.5 270.3 273.7 281.1 260.3 259.8 256.7 256.4 249.3 256.6 260.2 25 Net due to related foreign offices -83.1 -81.6 -73.3 -77.5 -83.7 -89.3 -104.9 -98.4 -93.4 -96.7 -103.0 -98.2 26 Other liabilities 92.6 96.3 90.3 107.1 111.9 106.3 114.9 111.7 107.2 109.4 114.4 110.4 27 TOTAL LIABILITIES 710.7 760.3 755.3 773.5 784.8 757.6 743.3 738.1 736.0 733.9 739.2 738.5 28 Residual (assets less liabilities) (8) 1.7 1.5 1.5 1.6 1.3 0.6 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 October 17, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 17 Sep 24 Oct 1 Oct 8 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 117.2 115.1 105.7 128.1 134.8 111.6 95.2 114.9 114.8 116.6 124.9 117.5 30 Reval. losses on off-bal. sheet items (9) 98.6 91.3 81.4 105.1 110.0 85.4 79.4 96.1 96.0 97.6 106.7 99.7 31 Mortgage-backed securities (10) 345.9 381.4 400.8 427.1 436.7 412.7 387.6 373.3 369.0 367.0 370.1 370.4 31a Pass-through 255.4 276.2 288.6 314.3 324.8 301.5 274.1 262.6 259.6 256.9 260.3 260.1 31b CMO, REMIC, and other 90.4 105.1 112.2 112.9 111.9 111.1 113.5 110.7 109.4 110.2 109.8 110.2 32 Net unrealized gains (losses) on available-for-sale securities (11) 11.3 11.7 10.1 11.3 13.0 6.7 -0.1 2.7 3.0 3.1 5.8 2.1 33 Offshore credit to U.S. residents (12) 19.0 18.2 17.5 17.3 16.6 15.5 14.7 14.3 14.6 14.3 13.9 13.9 34 Securitized consumer loans (13) 142.3 152.9 154.6 155.3 157.3 161.6 162.5 160.8 159.7 160.1 162.2 162.1 34a Credit card and related plans 125.0 136.7 138.7 139.4 140.6 144.0 144.5 144.3 143.3 143.8 146.0 146.0 34b Other 17.3 16.1 15.9 15.9 16.6 17.5 18.0 16.5 16.4 16.3 16.2 16.1 35 Securitized business loans (13) 17.8 15.8 10.0 10.2 9.9 8.4 7.2 7.9 8.1 8.0 8.0 8.0 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 302.0 325.5 336.1 337.1 336.8 332.0 330.3 328.3 325.2 329.3 326.8 324.7 34 Securitized consumer loans (13) 199.5 202.4 204.6 204.3 204.0 200.6 201.8 202.9 201.9 203.2 204.1 204.2 34a Credit card and related plans 195.9 194.3 196.7 196.5 196.3 193.0 194.2 195.3 194.3 195.7 196.5 196.7 34b Other 3.6 8.1 7.9 7.8 7.7 7.6 7.6 7.6 7.6 7.6 7.5 7.5 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 63.0 65.4 64.9 73.6 72.6 65.3 65.9 67.8 64.9 68.8 70.7 70.3 30 Reval. losses on off-bal. sheet items (9) 61.7 63.6 62.4 72.6 72.6 64.9 64.9 66.9 64.0 67.8 69.9 69.5 35 Securitized business loans (13) 8.1 4.1 3.3 3.0 2.5 1.5 1.4 1.3 1.3 1.3 1.4 1.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 October 17, 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.