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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,755.4 6,025.8 6,133.1 6,188.3 6,192.8 6,180.4 6,187.5 6,171.2 6,169.8 6,170.6 6,170.9 6,182.9 2 Securities in bank credit 1,646.6 1,780.0 1,838.8 1,863.3 1,813.9 1,772.2 1,777.1 1,805.2 1,789.9 1,822.2 1,820.4 1,819.5 3 Treasury and Agency securities (2) 981.8 1,104.4 1,135.2 1,152.0 1,115.8 1,077.2 1,060.6 1,076.3 1,063.5 1,092.6 1,094.8 1,092.5 4 Other securities 664.7 675.6 703.6 711.4 698.0 695.0 716.5 728.9 726.4 729.6 725.5 726.9 5 Loans and leases in bank credit (3) 4,108.9 4,245.8 4,294.3 4,325.0 4,379.0 4,408.2 4,410.4 4,366.0 4,379.9 4,348.4 4,350.5 4,363.4 6 Commercial and industrial 966.0 944.8 936.6 923.9 922.8 915.0 903.8 892.4 896.1 890.9 890.2 885.0 7 Real estate 1,970.7 2,111.3 2,134.2 2,157.1 2,195.0 2,240.0 2,256.3 2,236.3 2,248.3 2,225.6 2,216.3 2,229.0 8 Revolving home equity 204.7 234.8 238.4 244.8 248.9 253.2 258.4 265.2 263.6 266.0 268.2 269.9 9 Other 1,766.1 1,876.5 1,895.8 1,912.3 1,946.0 1,986.8 1,997.9 1,971.1 1,984.7 1,959.6 1,948.1 1,959.1 10 Consumer 584.7 584.6 589.9 595.8 596.2 596.8 601.9 597.9 596.7 594.7 596.7 622.9 11 Security (4) 183.0 190.6 210.3 212.2 214.8 207.0 202.2 209.1 207.1 207.7 217.3 202.5 12 Other loans and leases 404.4 414.5 423.2 436.1 450.2 449.4 446.2 430.5 431.6 429.5 430.0 424.0 13 Interbank loans 327.5 304.9 316.8 320.2 322.3 327.4 308.0 325.3 340.0 320.1 321.1 306.8 14 Cash assets (5) 317.8 319.7 318.3 331.5 336.4 343.7 331.0 315.0 328.4 317.8 309.0 306.9 15 Other assets (6) 508.6 528.7 546.1 549.4 555.2 566.2 553.1 549.5 541.3 560.3 553.6 549.2 16 TOTAL ASSETS (7) 6,833.3 7,104.0 7,238.9 7,314.0 7,331.6 7,341.7 7,303.7 7,285.9 7,304.3 7,293.6 7,279.4 7,270.7 L I A B I L I T I E S 17 Deposits 4,486.7 4,612.6 4,643.4 4,702.4 4,748.2 4,799.7 4,775.7 4,715.2 4,749.8 4,703.9 4,690.7 4,711.7 18 Transaction 609.7 632.4 634.1 639.3 655.3 655.1 634.8 635.3 633.8 650.1 669.9 629.5 19 Nontransaction 3,876.9 3,980.2 4,009.3 4,063.1 4,092.9 4,144.6 4,140.9 4,080.0 4,116.0 4,053.7 4,020.8 4,082.3 20 Large time 1,024.6 985.5 999.2 1,003.2 1,021.0 1,032.0 1,041.8 1,008.6 1,007.1 1,003.5 995.3 999.5 21 Other 2,852.4 2,994.7 3,010.2 3,059.9 3,071.9 3,112.6 3,099.1 3,071.4 3,108.9 3,050.3 3,025.5 3,082.8 22 Borrowings 1,338.1 1,396.7 1,438.2 1,477.3 1,510.1 1,512.1 1,475.2 1,432.7 1,433.1 1,431.1 1,445.1 1,421.8 23 From banks in the U.S. 414.9 397.1 389.8 408.5 410.4 415.8 403.0 397.7 407.0 385.3 399.0 397.3 24 From others 923.1 999.6 1,048.4 1,068.8 1,099.6 1,096.3 1,072.2 1,035.1 1,026.1 1,045.7 1,046.1 1,024.5 25 Net due to related foreign offices 111.1 139.3 146.5 126.4 143.0 126.8 130.7 165.0 160.0 170.3 174.6 185.0 26 Other liabilities 423.2 434.7 459.6 469.8 437.6 427.8 438.9 435.7 432.8 440.7 428.5 407.1 27 TOTAL LIABILITIES 6,359.0 6,583.2 6,687.7 6,775.9 6,838.8 6,866.4 6,820.5 6,748.7 6,775.8 6,745.9 6,738.9 6,725.6 28 Residual (assets less liabilities) (8) 474.3 520.7 551.2 538.1 492.8 475.3 483.2 537.2 528.5 547.8 540.5 545.1 ------------------------------------------------- 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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,757.3 6,020.4 6,127.8 6,184.5 6,167.3 6,160.4 6,183.6 6,172.3 6,172.6 6,165.3 6,180.0 6,207.0 2 Securities in bank credit 1,644.4 1,777.8 1,836.5 1,857.2 1,798.7 1,765.0 1,775.8 1,802.9 1,785.4 1,816.3 1,821.4 1,824.8 3 Treasury and Agency securities (2) 977.9 1,104.3 1,133.2 1,147.3 1,107.7 1,073.3 1,060.5 1,072.0 1,057.9 1,085.2 1,092.5 1,094.6 4 Other securities 666.5 673.5 703.4 709.9 691.0 691.7 715.4 731.0 727.6 731.2 728.9 730.3 5 Loans and leases in bank credit (3) 4,112.9 4,242.6 4,291.2 4,327.3 4,368.6 4,395.4 4,407.8 4,369.3 4,387.2 4,348.9 4,358.6 4,382.2 6 Commercial and industrial 966.4 948.6 940.4 928.0 923.9 911.2 902.2 892.7 896.5 890.4 890.3 887.6 7 Real estate 1,972.4 2,107.6 2,138.0 2,158.3 2,193.4 2,240.1 2,258.3 2,238.2 2,251.9 2,225.6 2,217.9 2,234.4 8 Revolving home equity 205.2 234.5 239.6 245.6 249.0 253.3 259.3 265.8 264.5 266.6 268.8 270.1 9 Other 1,767.2 1,873.2 1,898.4 1,912.7 1,944.4 1,986.8 1,999.1 1,972.4 1,987.4 1,959.0 1,949.1 1,964.3 10 Consumer 585.1 581.8 588.7 592.4 590.6 593.1 599.9 597.0 595.2 595.1 597.9 623.0 10a Credit card and related plans 232.0 215.6 221.5 223.2 219.9 219.9 222.8 218.6 216.9 216.7 219.2 244.9 10b Other 353.0 366.2 367.2 369.2 370.6 373.2 377.1 378.4 378.3 378.4 378.7 378.1 11 Security (4) 185.2 189.8 202.6 210.8 208.7 201.8 200.0 211.6 210.5 211.1 224.6 211.3 12 Other loans and leases 403.8 414.7 421.6 437.8 452.0 449.3 447.4 429.9 433.0 426.7 427.9 425.9 13 Interbank loans 320.3 316.0 312.6 321.5 317.7 321.6 301.1 318.1 333.2 305.4 315.8 316.8 14 Cash assets (5) 320.9 318.0 314.7 322.3 325.7 327.1 327.2 318.3 353.4 306.6 310.0 310.1 15 Other assets (6) 508.6 528.1 544.0 544.0 553.4 562.7 557.1 549.4 541.3 553.6 553.5 557.1 16 TOTAL ASSETS (7) 6,831.7 7,107.4 7,223.3 7,296.5 7,289.2 7,295.5 7,293.1 7,283.7 7,326.0 7,256.4 7,284.9 7,316.3 L I A B I L I T I E S 17 Deposits 4,470.1 4,637.7 4,636.4 4,691.5 4,718.8 4,749.8 4,739.4 4,699.7 4,754.3 4,660.0 4,663.4 4,727.0 18 Transaction 606.8 638.3 623.9 633.9 646.7 638.8 629.4 632.3 648.2 629.2 665.0 631.7 19 Nontransaction 3,863.3 3,999.4 4,012.5 4,057.6 4,072.1 4,111.0 4,110.0 4,067.3 4,106.1 4,030.8 3,998.4 4,095.3 20 Large time 1,013.8 989.9 1,002.8 1,001.4 1,009.8 1,015.9 1,022.7 998.6 993.3 994.1 990.1 998.1 21 Other 2,849.6 3,009.5 3,009.6 3,056.2 3,062.3 3,095.2 3,087.3 3,068.8 3,112.8 3,036.7 3,008.3 3,097.1 22 Borrowings 1,340.6 1,400.8 1,443.9 1,476.3 1,503.0 1,492.2 1,473.4 1,435.8 1,438.3 1,433.1 1,448.8 1,431.6 23 From banks in the U.S. 413.4 401.2 392.2 406.7 407.1 411.3 396.3 396.3 407.1 383.8 397.1 397.4 24 From others 927.2 999.6 1,051.8 1,069.7 1,095.9 1,080.8 1,077.1 1,039.5 1,031.2 1,049.3 1,051.7 1,034.2 25 Net due to related foreign offices 113.0 130.2 146.0 123.5 133.6 125.1 133.0 168.6 160.7 175.9 185.6 189.2 26 Other liabilities 426.8 423.1 458.8 466.7 428.2 426.1 441.3 439.2 433.6 446.2 438.7 410.7 27 TOTAL LIABILITIES 6,350.5 6,591.8 6,685.1 6,758.0 6,783.7 6,793.1 6,787.0 6,743.3 6,786.9 6,715.3 6,736.5 6,758.5 28 Residual (assets less liabilities) (8) 481.1 515.6 538.2 538.5 505.5 502.4 506.0 540.4 539.1 541.1 548.3 557.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,135.7 5,371.5 5,464.0 5,517.8 5,551.3 5,558.2 5,564.3 5,543.3 5,544.8 5,543.7 5,542.6 5,567.1 2 Securities in bank credit 1,394.4 1,501.4 1,548.8 1,574.0 1,547.7 1,506.4 1,505.5 1,530.5 1,515.6 1,546.9 1,548.7 1,549.1 3 Treasury and Agency securities (2) 886.7 980.2 1,007.8 1,027.8 1,002.0 970.6 953.2 973.2 959.3 989.6 993.8 996.4 4 Other securities 507.7 521.1 541.0 546.2 545.8 535.7 552.3 557.3 556.3 557.3 554.9 552.7 5 Loans and leases in bank credit (3) 3,741.3 3,870.1 3,915.2 3,943.8 4,003.6 4,051.8 4,058.8 4,012.8 4,029.2 3,996.8 3,993.9 4,018.0 6 Commercial and industrial 786.9 774.6 768.1 763.3 767.0 765.6 759.2 752.7 755.6 751.8 751.2 749.3 7 Real estate 1,951.2 2,092.3 2,114.9 2,137.6 2,175.6 2,220.9 2,236.6 2,212.7 2,224.9 2,201.8 2,192.7 2,205.2 8 Revolving home equity 204.7 234.8 238.4 244.8 248.9 253.2 258.4 265.2 263.6 266.0 268.2 269.9 9 Other 1,746.5 1,857.5 1,876.5 1,892.9 1,926.6 1,967.8 1,978.1 1,947.6 1,961.3 1,935.8 1,924.5 1,935.3 10 Consumer 584.7 584.6 589.9 595.8 596.2 596.8 601.9 597.9 596.7 594.7 596.7 622.9 11 Security (4) 85.6 72.4 91.4 90.3 95.9 95.4 88.9 94.6 96.3 93.6 99.2 90.7 12 Other loans and leases 332.9 346.2 350.8 356.7 368.9 373.1 372.2 354.9 355.7 354.9 354.2 349.9 13 Interbank loans 303.0 282.5 292.3 289.5 289.1 295.1 277.4 296.2 311.2 291.0 294.2 275.2 14 Cash assets (5) 272.2 270.0 267.3 277.1 282.4 289.4 277.9 265.1 277.6 268.0 258.8 259.9 15 Other assets (6) 480.4 496.2 509.5 512.7 522.0 529.7 522.9 518.4 511.3 530.9 518.6 516.9 16 TOTAL ASSETS (7) 6,115.7 6,345.4 6,458.0 6,522.1 6,570.2 6,596.8 6,566.9 6,548.3 6,570.1 6,558.9 6,539.5 6,544.4 L I A B I L I T I E S 17 Deposits 4,015.2 4,178.0 4,210.0 4,259.8 4,294.8 4,344.5 4,324.7 4,277.0 4,314.4 4,267.5 4,255.0 4,275.8 18 Transaction 600.1 621.2 623.3 627.9 643.9 643.3 623.9 625.0 623.6 640.1 659.7 619.2 19 Nontransaction 3,415.1 3,556.8 3,586.7 3,631.9 3,650.9 3,701.2 3,700.8 3,652.0 3,690.8 3,627.4 3,595.3 3,656.6 20 Large time 571.0 582.2 595.7 590.4 586.4 600.4 605.1 583.9 584.0 581.6 573.9 580.1 21 Other 2,844.2 2,974.5 2,991.0 3,041.5 3,064.5 3,100.8 3,095.7 3,068.1 3,106.9 3,045.8 3,021.4 3,076.5 22 Borrowings 1,100.4 1,098.9 1,133.1 1,162.8 1,220.8 1,226.3 1,191.0 1,137.0 1,134.5 1,141.5 1,144.3 1,134.6 23 From banks in the U.S. 391.9 369.7 358.5 373.8 373.7 382.0 369.4 361.9 369.0 352.3 361.8 364.4 24 From others 708.4 729.2 774.6 789.0 847.1 844.3 821.6 775.1 765.6 789.1 782.5 770.2 25 Net due to related foreign offices 183.7 212.2 224.3 208.3 229.0 230.3 230.2 259.0 252.7 261.7 266.9 270.5 26 Other liabilities 328.7 344.2 352.8 356.3 328.7 311.9 328.7 324.9 323.7 327.6 319.9 299.4 27 TOTAL LIABILITIES 5,628.1 5,833.2 5,920.2 5,987.2 6,073.4 6,113.0 6,074.6 5,997.9 6,025.4 5,998.2 5,986.0 5,980.2 28 Residual (assets less liabilities) (8) 487.6 512.2 537.8 535.0 496.8 483.7 492.3 550.4 544.8 560.6 553.4 564.2 ------------------------------------------------- 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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,138.0 5,366.2 5,463.4 5,517.4 5,533.2 5,544.7 5,564.5 5,544.8 5,548.1 5,539.4 5,547.1 5,584.4 2 Securities in bank credit 1,392.2 1,499.2 1,546.6 1,567.9 1,532.5 1,499.1 1,504.3 1,528.2 1,511.1 1,541.0 1,549.7 1,554.5 3 Treasury and Agency securities (2) 882.8 980.1 1,005.8 1,023.1 993.8 966.7 953.0 968.9 953.7 982.2 991.5 998.5 4 Other securities 509.5 519.1 540.8 544.8 538.7 532.4 551.2 559.3 557.5 558.9 558.2 556.0 5 Loans and leases in bank credit (3) 3,745.8 3,867.0 3,916.8 3,949.5 4,000.6 4,045.5 4,060.2 4,016.6 4,037.0 3,998.4 3,997.3 4,030.0 6 Commercial and industrial 787.2 779.3 773.7 767.9 769.1 763.0 757.7 752.9 756.4 751.7 750.6 750.7 7 Real estate 1,952.8 2,088.6 2,118.7 2,138.9 2,174.0 2,221.0 2,238.6 2,214.6 2,228.5 2,201.8 2,194.3 2,210.6 8 Revolving home equity 205.2 234.5 239.6 245.6 249.0 253.3 259.3 265.8 264.5 266.6 268.8 270.1 9 Other 1,747.6 1,854.1 1,879.1 1,893.3 1,925.0 1,967.7 1,979.3 1,948.9 1,964.0 1,935.2 1,925.5 1,940.5 10 Consumer 585.1 581.8 588.7 592.4 590.6 593.1 599.9 597.0 595.2 595.1 597.9 623.0 10a Credit card and related plans 232.0 215.6 221.5 223.2 219.9 219.9 222.8 218.6 216.9 216.7 219.2 244.9 10d Other 353.0 366.2 367.2 369.2 370.6 373.2 377.1 378.4 378.3 378.4 378.7 378.1 11 Security (4) 87.8 71.3 86.0 91.4 94.6 94.2 90.1 97.0 99.3 97.1 102.0 94.1 12 Other loans and leases 333.0 345.9 349.7 358.9 372.3 374.2 374.0 355.1 357.6 352.6 352.5 351.7 13 Interbank loans 295.8 293.6 288.0 290.8 284.6 289.2 270.5 289.1 304.4 276.4 288.9 285.2 14 Cash assets (5) 274.3 270.4 265.3 270.5 274.7 275.0 274.5 267.2 301.6 255.4 257.5 261.0 15 Other assets (6) 480.8 495.8 507.3 508.7 521.3 526.7 526.9 518.8 511.6 524.7 519.2 525.0 16 TOTAL ASSETS (7) 6,113.9 6,351.3 6,448.7 6,512.2 6,539.2 6,559.8 6,560.8 6,545.8 6,591.7 6,521.9 6,538.7 6,581.4 L I A B I L I T I E S 17 Deposits 4,011.0 4,197.1 4,197.6 4,250.7 4,275.1 4,310.0 4,304.9 4,272.7 4,333.4 4,234.4 4,234.9 4,296.4 18 Transaction 596.9 627.7 613.5 622.9 635.3 627.3 618.3 621.8 637.6 618.9 654.3 621.1 19 Nontransaction 3,414.0 3,569.4 3,584.1 3,627.9 3,639.8 3,682.8 3,686.6 3,650.9 3,695.8 3,615.5 3,580.6 3,675.3 20 Large time 572.5 580.4 593.9 590.0 584.8 599.0 602.5 585.4 584.9 583.2 576.4 584.4 21 Other 2,841.6 2,989.1 2,990.2 3,037.9 3,055.0 3,083.7 3,084.0 3,065.5 3,110.9 3,032.3 3,004.2 3,090.9 22 Borrowings 1,102.9 1,103.1 1,138.9 1,161.9 1,213.8 1,206.4 1,189.2 1,140.1 1,139.7 1,143.5 1,148.0 1,144.4 23 From banks in the U.S. 390.4 373.8 360.8 372.0 370.3 377.5 362.6 360.5 369.0 350.8 359.9 364.6 24 From others 712.5 729.3 778.0 789.9 843.5 828.9 826.5 779.6 770.7 792.7 788.1 779.9 25 Net due to related foreign offices 187.0 203.5 223.5 207.3 222.9 230.0 231.3 263.8 254.5 268.9 277.8 277.8 26 Other liabilities 333.3 332.8 351.7 354.7 322.0 311.4 330.0 329.3 325.5 334.6 330.1 305.5 27 TOTAL LIABILITIES 5,634.2 5,836.5 5,911.7 5,974.6 6,033.8 6,057.8 6,055.3 6,006.0 6,053.2 5,981.4 5,990.8 6,024.2 28 Residual (assets less liabilities) (8) 479.7 514.7 537.0 537.6 505.4 502.0 505.5 539.9 538.5 540.5 548.0 557.2 ------------------------------------------------- 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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,809.7 2,950.2 3,025.3 3,054.8 3,061.4 3,049.6 3,057.2 3,032.6 3,033.8 3,029.8 3,033.5 3,044.1 2 Securities in bank credit 738.7 810.6 857.1 880.8 845.7 801.2 804.7 824.7 811.5 838.6 841.0 838.1 3 Treasury and Agency securities (2) 437.4 493.8 520.5 536.7 504.4 469.4 456.9 473.3 461.1 486.3 491.5 491.9 3a Trading account 37.7 40.7 43.6 38.8 38.5 34.7 38.1 33.8 31.0 31.2 37.6 40.9 3b Investment account 399.7 453.1 476.9 497.9 465.9 434.7 418.8 439.5 430.1 455.2 453.8 451.0 4 Other securities 301.3 316.8 336.6 344.0 341.3 331.8 347.8 351.4 350.3 352.2 349.5 346.2 4a Trading account 153.8 161.5 183.4 187.9 172.6 162.3 178.3 180.8 177.9 180.9 182.0 176.5 4b Investment account 147.5 155.3 153.2 156.1 168.8 169.6 169.5 170.6 172.5 171.3 167.5 169.8 4c State and local government 28.8 30.9 31.3 32.2 32.3 31.4 31.5 31.5 31.4 31.6 31.5 31.5 4d Other 118.7 124.4 121.9 123.9 136.5 138.2 138.1 139.1 141.0 139.7 136.0 138.3 5 Loans and leases in bank credit (3) 2,071.0 2,139.6 2,168.2 2,174.0 2,215.7 2,248.4 2,252.5 2,207.9 2,222.3 2,191.2 2,192.5 2,206.0 6 Commercial and industrial 494.4 476.0 468.1 461.5 463.9 458.6 450.4 444.0 446.5 443.5 442.4 439.3 7 Real estate 947.9 1,044.0 1,058.8 1,066.5 1,090.5 1,123.8 1,139.5 1,115.2 1,126.0 1,101.7 1,098.8 1,107.5 8 Revolving home equity 130.0 150.4 152.9 156.4 160.1 163.7 168.1 173.3 172.0 174.1 176.0 177.1 9 Other 817.9 893.6 906.0 910.1 930.4 960.1 971.3 941.9 954.0 927.6 922.9 930.4 10 Consumer 320.0 312.8 313.0 314.5 311.9 312.9 316.2 313.7 313.3 311.8 312.5 330.8 11 Security (4) 78.1 64.3 82.6 80.9 86.6 86.0 79.6 85.4 86.8 84.6 90.1 82.1 11a Fed funds and RPs with broker/dealer 67.8 52.4 63.0 63.5 68.7 66.8 62.1 67.3 68.5 67.0 72.0 64.7 11b Other 10.4 11.8 19.5 17.4 17.9 19.2 17.6 18.2 18.3 17.6 18.2 17.4 12a State and local government 13.1 12.4 12.4 12.7 13.0 13.3 13.4 13.7 13.6 13.5 13.9 13.7 12b Agricultural 8.2 7.7 7.5 7.4 7.3 7.4 7.5 7.5 7.5 7.5 7.4 7.4 12c Fed funds and RPs with others 19.9 24.7 26.5 28.0 25.4 24.3 26.6 24.8 24.2 25.4 26.1 23.7 12d All other loans 70.9 88.2 89.5 91.8 107.2 112.6 110.1 96.0 96.2 96.2 94.2 94.5 12e Lease financing receivables 118.6 109.4 109.8 110.7 109.9 109.4 109.3 107.7 108.3 106.9 107.1 106.9 13 Interbank loans 197.1 171.2 171.1 165.2 169.3 178.5 164.4 181.4 192.7 175.9 177.6 170.5 13a Fed funds and RPs with banks 96.2 99.2 100.8 97.8 97.8 99.0 95.6 102.7 114.4 95.6 100.2 93.5 13b Other 101.0 72.0 70.2 67.4 71.5 79.5 68.8 78.8 78.3 80.4 77.3 77.0 14 Cash assets (5) 147.5 135.9 132.9 140.4 142.1 146.8 139.4 128.4 138.4 127.3 124.1 126.4 15 Other assets (6) 339.8 347.3 356.6 359.3 364.2 367.6 358.3 358.5 357.1 372.0 356.2 346.6 16 TOTAL ASSETS (7) 3,450.0 3,560.5 3,641.6 3,675.6 3,693.5 3,698.4 3,675.4 3,657.8 3,678.8 3,661.9 3,648.3 3,644.6 ------------------------------------------------- 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) November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,949.4 2,041.2 2,047.9 2,077.3 2,095.0 2,129.4 2,114.8 2,078.0 2,108.8 2,069.1 2,055.7 2,083.5 18 Transaction 292.5 296.4 297.5 300.4 307.4 304.3 291.0 288.0 291.3 296.8 307.4 270.8 19 Nontransaction 1,656.9 1,744.8 1,750.4 1,776.9 1,787.7 1,825.1 1,823.8 1,790.0 1,817.5 1,772.3 1,748.2 1,812.7 20 Large time 268.1 267.2 279.2 271.1 269.0 283.3 286.4 266.5 269.0 265.0 255.6 261.6 21 Other 1,388.8 1,477.5 1,471.3 1,505.8 1,518.7 1,541.9 1,537.4 1,523.5 1,548.4 1,507.3 1,492.6 1,551.1 22 Borrowings 741.7 697.5 723.0 746.8 794.8 786.2 751.1 696.6 693.5 697.8 702.0 697.8 23 From banks in the U.S. 268.7 212.4 203.6 216.7 213.9 213.4 204.7 189.8 197.4 178.2 186.7 193.7 24 From others 473.1 485.2 519.4 530.2 580.9 572.8 546.4 506.8 496.1 519.6 515.2 504.1 25 Net due to related foreign offices 171.4 199.3 211.9 196.3 217.2 218.3 216.2 245.5 242.3 247.2 251.5 255.1 26 Other liabilities 262.9 264.7 272.7 277.0 248.8 231.7 248.7 244.3 243.6 246.7 239.3 215.6 27 TOTAL LIABILITIES 3,125.4 3,202.7 3,255.6 3,297.4 3,355.8 3,365.6 3,330.7 3,264.5 3,288.2 3,260.7 3,248.4 3,252.0 28 Residual (assets less liabilities) (8) 324.6 357.8 386.1 378.2 337.7 332.8 344.7 393.3 390.6 401.2 399.8 392.6 ------------------------------------------------- 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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,809.6 2,946.7 3,026.3 3,056.7 3,048.3 3,039.2 3,055.3 3,032.3 3,033.8 3,024.4 3,035.0 3,058.6 2 Securities in bank credit 738.7 807.0 855.6 875.1 832.4 795.7 803.3 824.8 809.3 835.7 844.0 845.6 3 Treasury and Agency securities (2) 435.6 492.2 519.3 532.5 498.1 467.2 456.6 471.4 457.8 481.9 491.1 496.1 3a Trading account 37.6 40.6 43.5 38.5 38.0 34.6 38.1 33.7 30.8 30.9 37.6 41.2 3b Investment account 398.1 451.6 475.8 493.9 460.1 432.6 418.6 437.7 427.0 451.0 453.5 454.8 3c Mortgage-backed 315.2 354.4 380.3 389.5 364.2 335.5 320.8 335.6 326.2 347.0 349.5 351.7 3d Other 82.9 97.2 95.5 104.4 95.9 97.1 97.7 102.1 100.8 104.0 104.0 103.1 3e 1 year or less 21.9 24.7 23.3 24.4 24.2 24.5 24.1 24.8 24.6 25.4 25.3 24.9 3f Between 1 and 5 years 50.5 55.5 55.4 57.6 51.5 52.8 53.1 56.7 57.4 57.6 56.1 56.2 3g More than 5 years 10.5 17.0 16.7 22.4 20.2 19.8 20.5 20.6 18.8 21.0 22.6 22.0 4 Other securities 303.0 314.7 336.3 342.6 334.3 328.5 346.7 353.4 351.5 353.8 352.8 349.6 4a Trading account 154.7 160.5 183.2 187.2 169.0 160.6 177.7 181.9 178.5 181.7 183.7 178.2 4b Investment account 148.4 154.3 153.1 155.4 165.3 167.9 169.0 171.6 173.0 172.0 169.1 171.4 4c State and local government 29.0 30.7 31.3 32.1 31.6 31.1 31.4 31.7 31.5 31.7 31.8 31.8 4d Other 119.4 123.6 121.8 123.4 133.7 136.8 137.6 139.9 141.5 140.3 137.3 139.6 5 Loans and leases in bank credit (3) 2,070.9 2,139.7 2,170.7 2,181.6 2,216.0 2,243.5 2,252.0 2,207.5 2,224.6 2,188.7 2,191.0 2,212.9 6 Commercial and industrial 494.9 478.6 471.1 463.8 465.1 457.3 450.6 444.5 447.1 443.3 442.2 441.4 7 Real estate 948.5 1,042.2 1,063.2 1,069.0 1,090.6 1,124.7 1,140.8 1,116.0 1,128.0 1,100.9 1,098.5 1,111.3 8 Revolving home equity 130.2 150.4 154.0 157.4 160.6 164.2 168.7 173.7 172.6 174.5 176.1 177.1 9a Other residential 495.9 570.0 588.5 591.7 613.2 643.5 654.7 624.0 637.7 607.3 603.1 614.4 9b Commercial 322.4 321.8 320.7 319.9 316.8 316.9 317.5 318.4 317.7 319.2 319.3 319.8 10 Consumer 316.7 313.4 313.9 314.7 310.0 310.4 312.5 309.7 308.7 308.1 309.5 328.2 10a Credit card and related plans 117.2 103.6 103.9 104.9 100.0 99.7 99.2 95.0 93.9 93.1 94.2 114.5 10f Other 199.6 209.8 210.0 209.8 210.0 210.7 213.3 214.6 214.8 215.0 215.3 213.7 11 Security (4) 80.4 62.9 77.3 82.1 85.4 84.8 81.0 88.0 89.8 88.4 93.2 85.0 11a Fed funds and RPs with broker/dealer 69.7 51.4 59.0 64.5 67.8 65.9 63.1 69.3 70.9 70.0 74.4 67.0 11b Other 10.7 11.6 18.3 17.6 17.6 18.9 17.9 18.7 18.9 18.4 18.8 18.0 12a State and local government 13.1 12.4 12.4 12.7 13.0 13.3 13.4 13.7 13.6 13.5 13.9 13.7 12b Agricultural 8.1 7.7 7.6 7.5 7.4 7.5 7.4 7.4 7.4 7.4 7.4 7.4 12c Fed funds and RPs with others 19.9 24.7 26.5 28.0 25.4 24.3 26.6 24.8 24.2 25.4 26.1 23.7 12d All other loans 71.2 88.0 88.9 93.6 109.7 112.9 111.8 96.4 97.9 95.3 93.7 95.8 12e Lease financing receivables 118.0 109.8 109.8 110.3 109.4 108.4 107.8 107.2 107.8 106.3 106.6 106.6 13 Interbank loans 191.2 174.5 171.8 169.4 169.4 173.4 159.0 175.5 186.2 166.4 177.2 172.7 13a Fed funds and RPs with banks 93.5 101.0 101.3 100.3 97.9 96.3 92.4 99.3 110.5 90.4 100.0 94.7 13b Other 97.7 73.4 70.5 69.2 71.6 77.1 66.5 76.2 75.7 76.0 77.1 78.0 14 Cash assets (5) 149.1 138.6 132.0 136.0 136.7 137.1 136.5 130.0 153.6 122.0 123.5 126.7 15 Other assets (6) 340.1 346.8 354.4 355.3 363.6 364.6 362.3 358.8 357.4 365.8 356.8 354.8 16 TOTAL ASSETS (7) 3,446.6 3,562.6 3,640.1 3,673.1 3,674.6 3,670.0 3,669.2 3,654.2 3,688.5 3,636.2 3,650.2 3,670.2 ------------------------------------------------- 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) November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,947.0 2,048.6 2,043.6 2,077.7 2,089.1 2,113.0 2,106.3 2,075.7 2,121.0 2,048.5 2,045.0 2,094.1 18 Transaction 289.6 302.5 293.2 297.6 301.4 292.1 286.2 285.1 299.8 283.0 304.3 269.0 19 Nontransaction 1,657.5 1,746.1 1,750.4 1,780.2 1,787.6 1,820.9 1,820.1 1,790.6 1,821.2 1,765.5 1,740.7 1,825.2 20 Large time 269.6 265.4 277.3 270.7 267.4 281.8 283.8 268.0 270.0 266.6 258.1 265.9 21 Other 1,387.9 1,480.7 1,473.1 1,509.5 1,520.3 1,539.1 1,536.3 1,522.6 1,551.2 1,499.0 1,482.6 1,559.3 22 Borrowings 744.3 701.7 728.8 745.9 787.8 766.2 749.3 699.7 698.7 699.8 705.7 707.6 23 From banks in the U.S. 267.2 216.5 205.9 214.8 210.5 208.9 197.9 188.4 197.4 176.7 184.9 193.8 24 From others 477.1 485.2 522.8 531.1 577.2 557.4 551.4 511.3 501.3 523.2 520.8 513.8 25 Net due to related foreign offices 174.7 190.7 211.0 195.2 211.1 218.0 217.3 250.3 244.1 254.4 262.4 262.4 26 Other liabilities 267.4 253.3 271.7 275.5 242.0 231.2 250.0 248.8 245.4 253.6 249.5 221.8 27 TOTAL LIABILITIES 3,133.4 3,194.3 3,255.1 3,294.4 3,330.0 3,328.4 3,322.8 3,274.5 3,309.2 3,256.4 3,262.5 3,285.9 28 Residual (assets less liabilities) (8) 313.2 368.3 385.0 378.7 344.6 341.6 346.4 379.8 379.4 379.8 387.7 384.3 ------------------------------------------------- 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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,325.9 2,421.3 2,438.7 2,463.0 2,489.9 2,508.6 2,507.1 2,510.7 2,511.0 2,514.0 2,509.1 2,523.0 2 Securities in bank credit 655.7 690.7 691.7 693.2 702.0 705.2 700.8 705.8 704.1 708.4 707.7 711.0 3 Treasury and Agency securities (2) 449.3 486.4 487.3 491.0 497.6 501.3 496.3 499.9 498.1 503.3 502.4 504.6 4 Other securities 206.4 204.3 204.4 202.2 204.4 203.9 204.6 205.9 206.0 205.1 205.4 206.4 5 Loans and leases in bank credit (3) 1,670.2 1,730.5 1,747.0 1,769.7 1,787.9 1,803.5 1,806.3 1,804.9 1,806.9 1,805.6 1,801.4 1,812.0 6 Commercial and industrial 292.5 298.5 300.0 301.9 303.1 307.0 308.9 308.7 309.1 308.3 308.7 310.0 7 Real estate 1,003.3 1,048.2 1,056.0 1,071.1 1,085.1 1,097.1 1,097.1 1,097.5 1,098.9 1,100.0 1,093.8 1,097.7 8 Revolving home equity 74.7 84.3 85.5 88.3 88.9 89.4 90.3 91.8 91.6 91.8 92.3 92.8 9 Other 928.6 963.9 970.5 982.8 996.2 1,007.7 1,006.8 1,005.7 1,007.3 1,008.2 1,001.6 1,004.9 10 Consumer 264.7 271.8 276.9 281.2 284.3 283.9 285.7 284.2 283.4 282.9 284.2 292.0 11 Security (4) 7.4 8.2 8.9 9.4 9.3 9.4 9.2 9.1 9.5 9.0 9.0 8.6 12 Other loans and leases 102.3 103.8 105.1 106.1 106.1 106.1 105.4 105.4 105.9 105.3 105.5 103.7 13 Interbank loans 105.8 111.3 121.2 124.3 119.8 116.5 113.0 114.8 118.5 115.1 116.7 104.7 14 Cash assets (5) 124.8 134.1 134.3 136.7 140.3 142.6 138.4 136.7 139.2 140.6 134.7 133.4 15 Other assets (6) 140.7 149.0 152.9 153.4 157.7 162.0 164.6 160.0 154.2 158.9 162.4 170.3 16 TOTAL ASSETS (7) 2,665.7 2,784.9 2,816.3 2,846.6 2,876.7 2,898.4 2,891.5 2,890.5 2,891.3 2,897.0 2,891.2 2,899.7 L I A B I L I T I E S 17 Deposits 2,065.8 2,136.8 2,162.1 2,182.6 2,199.8 2,215.1 2,209.9 2,198.9 2,205.6 2,198.4 2,199.4 2,192.2 18 Transaction 307.6 324.8 325.8 327.6 336.5 339.0 332.9 336.9 332.3 343.3 352.3 348.3 19 Nontransaction 1,758.2 1,812.0 1,836.3 1,855.0 1,863.2 1,876.1 1,877.0 1,862.0 1,873.4 1,855.1 1,847.1 1,843.9 20 Large time 302.9 315.0 316.6 319.3 317.4 317.2 318.7 317.4 315.0 316.6 318.3 318.5 21 Other 1,455.3 1,497.0 1,519.7 1,535.7 1,545.8 1,558.9 1,558.3 1,544.6 1,558.4 1,538.5 1,528.8 1,525.4 22 Borrowings 358.7 401.4 410.1 416.0 426.0 440.1 439.9 440.5 441.0 443.7 442.3 436.8 23 From banks in the U.S. 123.3 157.3 154.9 157.1 159.8 168.6 164.7 172.1 171.6 174.1 175.0 170.7 24 From others 235.4 244.1 255.2 258.8 266.2 271.5 275.2 268.3 269.4 269.5 267.3 266.1 25 Net due to related foreign offices 12.3 12.8 12.4 12.0 11.8 12.0 14.1 13.5 10.4 14.4 15.4 15.4 26 Other liabilities 65.9 79.5 80.0 79.3 80.0 80.2 80.0 80.5 80.1 81.0 80.6 83.8 27 TOTAL LIABILITIES 2,502.7 2,630.5 2,664.7 2,689.8 2,717.5 2,747.5 2,743.9 2,733.4 2,737.2 2,737.5 2,737.6 2,728.2 28 Residual (assets less liabilities) (8) 163.0 154.4 151.7 156.8 159.2 151.0 147.6 157.1 154.1 159.5 153.6 171.6 ------------------------------------------------- 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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,328.5 2,419.5 2,437.1 2,460.7 2,484.8 2,505.5 2,509.2 2,512.5 2,514.3 2,515.0 2,512.1 2,525.9 2 Securities in bank credit 653.6 692.2 690.9 692.8 700.2 703.4 701.0 703.4 701.9 705.3 705.8 708.8 3 Treasury and Agency securities (2) 447.2 487.9 486.5 490.6 495.7 499.5 496.4 497.5 495.9 500.2 500.4 502.4 4 Other securities 206.4 204.3 204.4 202.2 204.4 203.9 204.6 205.9 206.0 205.1 205.4 206.4 5 Loans and leases in bank credit (3) 1,674.9 1,727.2 1,746.2 1,767.9 1,784.6 1,802.0 1,808.2 1,809.1 1,812.4 1,809.7 1,806.3 1,817.1 6 Commercial and industrial 292.3 300.7 302.6 304.1 304.0 305.7 307.1 308.4 309.2 308.3 308.4 309.3 7 Real estate 1,004.3 1,046.4 1,055.5 1,070.0 1,083.4 1,096.3 1,097.7 1,098.6 1,100.5 1,100.9 1,095.7 1,099.3 8 Revolving home equity 74.9 84.1 85.5 88.3 88.4 89.1 90.6 92.1 91.9 92.1 92.6 93.0 9 Other 929.3 962.3 969.9 981.7 995.0 1,007.3 1,007.1 1,006.5 1,008.6 1,008.8 1,003.1 1,006.3 10 Consumer 268.3 268.4 274.8 277.7 280.6 282.7 287.3 287.3 286.6 287.0 288.4 294.8 10a Credit card and related plans 114.9 112.1 117.7 118.3 120.0 120.3 123.6 123.6 123.0 123.6 125.0 130.5 10h Other 153.5 156.3 157.2 159.4 160.6 162.5 163.8 163.7 163.5 163.4 163.4 164.3 11 Security (4) 7.4 8.4 8.7 9.3 9.2 9.4 9.1 9.0 9.5 8.7 8.8 9.1 12 Other loans and leases 102.7 103.3 104.6 106.8 107.4 107.8 106.9 105.7 106.7 104.8 104.9 104.5 13 Interbank loans 104.5 119.1 116.2 121.3 115.1 115.8 111.6 113.6 118.3 110.0 111.7 112.5 14 Cash assets (5) 125.2 131.8 133.2 134.4 138.0 137.9 137.9 137.2 148.0 133.4 133.9 134.3 15 Other assets (6) 140.7 149.0 152.9 153.4 157.7 162.0 164.6 160.0 154.2 158.9 162.4 170.3 16 TOTAL ASSETS (7) 2,667.3 2,788.6 2,808.6 2,839.1 2,864.6 2,889.8 2,891.6 2,891.6 2,903.2 2,885.7 2,888.5 2,911.2 L I A B I L I T I E S 17 Deposits 2,064.0 2,148.5 2,154.0 2,173.0 2,186.1 2,197.0 2,198.6 2,197.0 2,212.4 2,185.9 2,190.0 2,202.3 18 Transaction 307.4 325.1 320.3 325.3 333.9 335.2 332.1 336.7 337.8 336.0 350.1 352.2 19 Nontransaction 1,756.6 1,823.4 1,833.7 1,847.7 1,852.2 1,861.8 1,866.5 1,860.3 1,874.6 1,850.0 1,839.9 1,850.2 20 Large time 302.9 315.0 316.6 319.3 317.4 317.2 318.7 317.4 315.0 316.6 318.3 318.5 21 Other 1,453.7 1,508.4 1,517.1 1,528.4 1,534.8 1,544.7 1,547.8 1,542.9 1,559.6 1,533.4 1,521.6 1,531.6 22 Borrowings 358.7 401.4 410.1 416.0 426.0 440.1 439.9 440.5 441.0 443.7 442.3 436.8 23 From banks in the U.S. 123.3 157.3 154.9 157.1 159.8 168.6 164.7 172.1 171.6 174.1 175.0 170.7 24 From others 235.4 244.1 255.2 258.8 266.2 271.5 275.2 268.3 269.4 269.5 267.3 266.1 25 Net due to related foreign offices 12.3 12.8 12.4 12.0 11.8 12.0 14.1 13.5 10.4 14.4 15.4 15.4 26 Other liabilities 65.9 79.5 80.0 79.3 80.0 80.2 80.0 80.5 80.1 81.0 80.6 83.8 27 TOTAL LIABILITIES 2,500.8 2,642.2 2,656.6 2,680.2 2,703.8 2,729.4 2,732.6 2,731.5 2,744.0 2,725.0 2,728.2 2,738.3 28 Residual (assets less liabilities) (8) 166.5 146.4 152.1 158.9 160.8 160.4 159.1 160.1 159.2 160.8 160.3 173.0 ------------------------------------------------- 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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 619.8 654.4 669.1 670.6 641.5 622.2 623.2 628.0 625.0 626.9 628.3 615.7 2 Securities in bank credit 252.2 278.6 290.0 289.3 266.1 265.8 271.6 274.7 274.3 275.3 271.7 270.4 3 Treasury and Agency securities (2) 95.1 124.2 127.4 124.2 113.9 106.5 107.4 103.1 104.2 103.0 101.0 96.1 4 Other securities 157.1 154.5 162.6 165.2 152.2 159.3 164.2 171.6 170.1 172.3 170.6 174.3 5 Loans and leases in bank credit (3) 367.6 375.7 379.1 381.2 375.4 356.4 351.7 353.2 350.7 351.6 356.6 345.4 6 Commercial and industrial 179.1 170.3 168.5 160.6 155.8 149.4 144.6 139.7 140.5 139.1 139.0 135.7 7 Real estate 19.6 19.0 19.3 19.4 19.4 19.1 19.8 23.5 23.4 23.8 23.6 23.8 11 Security (4) 97.5 118.1 118.9 121.8 118.9 111.6 113.4 114.5 110.8 114.1 118.2 111.8 12 Other loans and leases 71.5 68.3 72.4 79.3 81.3 76.3 74.0 75.5 76.0 74.6 75.9 74.1 13 Interbank loans 24.5 22.4 24.6 30.7 33.1 32.4 30.6 29.0 28.8 29.1 26.9 31.6 14 Cash assets (5) 45.5 49.7 51.1 54.3 54.0 54.3 53.2 50.0 50.8 49.8 50.2 47.1 15 Other assets (6) 28.2 32.5 36.6 36.7 33.2 36.5 30.2 31.1 30.0 29.4 35.0 32.3 16 TOTAL ASSETS (7) 717.6 758.6 780.9 791.8 761.4 744.9 736.8 737.6 734.1 734.7 740.0 726.3 L I A B I L I T I E S 17 Deposits 471.4 434.6 433.4 442.6 453.4 455.2 451.0 438.3 435.4 436.4 435.7 436.0 18 Transaction 9.6 11.2 10.8 11.4 11.4 11.8 10.9 10.3 10.2 10.0 10.2 10.3 19 Nontransaction 461.8 423.4 422.6 431.2 442.0 443.4 440.1 428.0 425.1 426.3 425.5 425.7 22 Borrowings 237.7 297.7 305.1 314.5 289.2 285.8 284.2 295.7 298.6 289.6 300.8 287.2 23 From banks in the U.S. 23.0 27.4 31.3 34.7 36.8 33.8 33.6 35.7 38.1 33.0 37.2 32.9 24 From others 214.7 270.3 273.7 279.8 252.5 251.9 250.6 260.0 260.5 256.6 263.6 254.3 25 Net due to related foreign offices -72.6 -72.9 -77.9 -81.9 -86.0 -103.5 -99.6 -94.0 -92.7 -91.4 -92.3 -85.5 26 Other liabilities 94.4 90.6 106.8 113.5 108.9 115.9 110.2 110.8 109.1 113.0 108.6 107.7 27 TOTAL LIABILITIES 730.9 750.0 767.4 788.7 765.5 753.4 745.8 750.8 750.4 747.6 752.9 745.5 28 Residual (assets less liabilities) (8) -13.3 8.6 13.4 3.1 -4.1 -8.4 -9.1 -13.2 -16.3 -12.9 -12.9 -19.1 ------------------------------------------------- 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 November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 619.3 654.3 664.4 667.1 634.1 615.7 619.1 627.5 624.5 625.8 632.9 622.6 2 Securities in bank credit (2) 252.2 278.6 290.0 289.3 266.1 265.8 271.6 274.7 274.3 275.3 271.7 270.4 3 Treasury and Agency securities 95.1 124.2 127.4 124.2 113.9 106.5 107.4 103.1 104.2 103.0 101.0 96.1 3a Trading account 18.6 39.8 43.1 43.1 39.9 38.7 39.6 38.3 38.1 38.6 39.1 31.8 3b Investment account 76.5 84.4 84.3 81.1 74.0 67.9 67.8 64.9 66.1 64.4 62.0 64.3 4 Other securities 157.1 154.5 162.6 165.2 152.2 159.3 164.2 171.6 170.1 172.3 170.6 174.3 4a Trading account 102.8 99.2 106.6 107.3 97.8 101.8 104.7 103.6 102.7 103.4 102.2 101.5 4b Investment account 54.2 55.2 56.0 57.8 54.5 57.4 59.5 68.0 67.4 68.9 68.4 72.7 5 Loans and leases in bank credit (3) 367.1 375.6 374.4 377.8 368.0 349.9 347.5 352.7 350.2 350.5 361.3 352.2 6 Commercial and industrial 179.2 169.3 166.7 160.1 154.9 148.2 144.5 139.8 140.2 138.8 139.7 137.0 7 Real estate 19.6 19.0 19.3 19.4 19.4 19.1 19.8 23.5 23.4 23.8 23.6 23.8 11 Security (4) 97.5 118.5 116.6 119.3 114.1 107.5 109.9 114.5 111.2 113.9 122.5 117.2 12 Other loans and leases 70.9 68.8 71.8 78.9 79.7 75.1 73.3 74.9 75.3 74.0 75.4 74.3 13 Interbank loans 24.5 22.4 24.6 30.7 33.1 32.4 30.6 29.0 28.8 29.1 26.9 31.6 14 Cash assets (5) 46.6 47.5 49.4 51.8 51.1 52.1 52.8 51.2 51.8 51.2 52.5 49.1 15 Other assets (6) 27.8 32.4 36.7 35.3 32.1 36.0 30.2 30.6 29.7 28.8 34.3 32.0 16 TOTAL ASSETS (7) 717.8 756.1 774.6 784.4 749.9 735.7 732.2 737.9 734.3 734.5 746.1 734.9 L I A B I L I T I E S 17 Deposits 459.1 440.6 438.8 440.8 443.7 439.7 434.5 427.0 420.9 425.6 428.5 430.5 18 Transaction 9.8 10.6 10.4 11.0 11.4 11.5 11.1 10.5 10.6 10.3 10.7 10.6 19 Nontransaction 449.3 430.0 428.4 429.7 432.3 428.3 423.4 416.4 410.3 415.3 417.8 419.9 22 Borrowings 237.7 297.7 305.1 314.5 289.2 285.8 284.2 295.7 298.6 289.6 300.8 287.2 23 From banks in the U.S. 23.0 27.4 31.3 34.7 36.8 33.8 33.6 35.7 38.1 33.0 37.2 32.9 24 From others 214.7 270.3 273.7 279.8 252.5 251.9 250.6 260.0 260.5 256.6 263.6 254.3 25 Net due to related foreign offices -74.1 -73.3 -77.5 -83.7 -89.3 -104.9 -98.3 -95.2 -93.9 -93.0 -92.2 -88.6 26 Other liabilities 93.6 90.3 107.1 111.9 106.3 114.7 111.3 109.8 108.1 111.7 108.7 105.2 27 TOTAL LIABILITIES 716.3 755.3 773.5 783.5 749.8 735.3 731.7 737.3 733.7 733.9 745.8 734.3 28 Residual (assets less liabilities) (8) 1.5 0.9 1.2 0.9 0.1 0.4 0.6 0.5 0.6 0.6 0.4 0.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars November 14, 2003 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 15 Oct 22 Oct 29 Nov 5 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 102.4 105.7 128.1 134.4 107.9 93.1 112.4 114.0 112.0 115.2 115.2 107.6 30 Reval. losses on off-bal. sheet items (9) 85.7 81.4 105.1 110.0 85.4 79.4 96.0 97.2 95.5 97.2 96.7 91.4 31 Mortgage-backed securities (10) 357.3 400.8 427.2 436.8 412.7 387.6 373.3 388.1 379.1 399.7 400.8 405.5 31a Pass-through 262.1 288.6 314.3 324.8 301.6 274.1 262.6 278.5 269.2 290.9 292.7 292.0 31b CMO, REMIC, and other 95.2 112.2 112.9 112.0 111.1 113.5 110.7 109.6 110.0 108.8 108.1 113.6 32 Net unrealized gains (losses) on available-for-sale securities (11) 11.7 10.1 11.3 13.0 6.7 -0.1 2.5 2.1 1.3 2.1 2.6 1.5 33 Offshore credit to U.S. residents (12) 18.4 17.5 17.3 16.6 15.5 14.7 14.3 13.8 14.0 14.0 13.6 13.6 34 Securitized consumer loans (13) 144.7 154.6 155.3 157.3 161.6 162.5 160.8 162.9 161.9 162.9 164.4 164.9 34a Credit card and related plans 127.5 138.7 139.4 140.6 144.0 144.5 144.3 146.8 145.9 146.9 147.9 148.5 34b Other 17.3 15.9 15.9 16.6 17.5 18.0 16.5 16.2 16.1 16.0 16.5 16.4 35 Securitized business loans (13) 17.8 10.0 10.2 9.9 8.4 7.2 7.9 8.0 8.0 8.0 8.0 8.0 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 302.1 336.1 337.1 336.7 331.8 330.1 328.2 326.9 325.2 327.9 327.8 331.7 34 Securitized consumer loans (13) 197.9 204.6 204.3 204.0 200.6 201.8 202.9 204.2 203.9 204.6 204.0 204.2 34a Credit card and related plans 189.3 196.7 196.5 196.3 193.0 194.2 195.3 196.7 196.4 197.1 196.5 196.8 34b Other 8.5 7.9 7.8 7.7 7.6 7.6 7.6 7.5 7.5 7.5 7.5 7.5 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 61.9 64.9 73.6 72.6 65.3 65.7 67.5 68.1 67.4 68.5 67.7 62.5 30 Reval. losses on off-bal. sheet items (9) 60.2 62.4 72.6 72.6 64.9 64.8 66.7 67.7 67.0 68.3 67.2 63.8 35 Securitized business loans (13) 7.6 3.3 3.0 2.5 1.5 1.4 1.3 1.4 1.4 1.4 1.5 1.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 November 14, 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. NOTE: Domestically chartered commercial banks acquired $30.7 billion in assets and liabilities of nonbank institutions in the week ending November 5, 2003. The major asset items affected were (in billions): consumer, credit cards and related plans, $28.5; and other assets, $2.2. The major liability items affected were: borrowings from banks in the U.S., $15.9; borrowings from others, $13.3; and residual (assets less liabilities), $1.5.