Federal Reserve Statistical Release, H.8, Assets and Liabilities of Commercial Banks in the United States; title with eagle logo links to Statistical Release home page
Release Date: November 21, 2003
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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 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,756.1   6,026.2   6,137.9   6,193.1   6,198.1   6,185.4   6,191.8   6,173.5       6,172.7   6,173.1   6,188.8   6,212.3

  2     Securities in bank credit                        1,645.2   1,780.0   1,838.7   1,863.3   1,814.2   1,772.5   1,777.4   1,805.5       1,822.5   1,820.7   1,819.4   1,827.3
  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       1,092.6   1,094.8   1,092.3   1,094.1
  4        Other securities                                663.3     675.6     703.6     711.3     698.4     695.3     716.8     729.2         729.9     725.8     727.1     733.2

  5     Loans and leases in bank credit (3)              4,110.9   4,246.2   4,299.1   4,329.8   4,383.8   4,412.9   4,414.5   4,368.1       4,350.1   4,352.4   4,369.4   4,385.0
  6        Commercial and industrial                       968.0     945.2     937.0     924.2     923.0     915.1     903.9     892.4         890.9     890.2     885.3     887.2
  7        Real estate                                   1,970.7   2,111.3   2,134.2   2,157.1   2,195.0   2,240.0   2,256.1   2,235.6       2,225.0   2,215.7   2,227.7   2,228.8
  8          Revolving home equity                         204.7     234.8     238.4     244.8     248.9     253.2     258.4     265.2         266.0     268.2     269.9     271.8
  9          Other                                       1,766.1   1,876.5   1,895.8   1,912.3   1,946.0   1,986.8   1,997.7   1,970.5       1,959.0   1,947.5   1,957.8   1,957.0
  10       Consumer                                        584.7     584.6     594.5     600.4     600.9     601.5     606.7     603.0         599.8     601.8     627.9     631.9
  11       Security (4)                                    183.1     187.1     206.8     208.6     211.2     203.4     198.6     205.8         204.2     214.0     202.5     206.6
  12       Other loans and leases                          404.4     418.0     426.7     439.6     453.8     452.9     449.1     431.2         430.2     430.7     426.0     430.4

  13  Interbank loans                                      327.5     304.9     316.8     320.2     322.3     327.4     308.0     325.3         320.1     321.2     306.4     311.1

  14  Cash assets (5)                                      317.8     319.7     318.3     331.5     336.3     343.7     331.0     315.2         317.8     309.0     309.4     337.8

  15  Other assets (6)                                     508.6     528.7     546.1     548.7     551.6     565.9     552.7     548.7         559.9     553.3     541.8     573.6

  16  TOTAL ASSETS (7)                                   6,834.0   7,104.4   7,243.7   7,318.0   7,333.1   7,346.4   7,307.6   7,287.6       7,295.3   7,281.3   7,271.3   7,359.5

            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   4,715.9       4,703.9   4,690.7   4,721.8   4,774.6
  18    Transaction                                        609.7     632.4     634.1     639.3     655.3     655.1     634.8     633.7         650.1     669.9     605.1     623.8
  19    Nontransaction                                   3,876.9   3,980.2   4,009.3   4,063.1   4,092.9   4,144.6   4,140.9   4,082.2       4,053.7   4,020.8   4,116.7   4,150.8
  20       Large time                                    1,024.6     985.5     999.2   1,003.2   1,020.9   1,032.0   1,041.8   1,008.6       1,003.4     995.3     999.8     996.2
  21       Other                                         2,852.4   2,994.7   3,010.2   3,059.9   3,071.9   3,112.7   3,099.2   3,073.6       3,050.3   3,025.5   3,116.8   3,154.5

  22  Borrowings                                         1,338.1   1,396.7   1,438.2   1,477.3   1,510.1   1,512.1   1,474.6   1,430.1       1,428.2   1,442.3   1,422.0   1,446.8
  23    From banks in the U.S.                             414.9     397.1     389.8     408.5     410.4     415.8     403.0     397.7         385.3     399.0     397.2     407.1
  24    From others                                        923.1     999.6   1,048.4   1,068.8   1,099.6   1,096.3   1,071.6   1,032.5       1,042.9   1,043.3   1,024.9   1,039.8

  25  Net due to related foreign offices                   111.1     139.3     146.5     126.4     143.0     126.8     130.7     164.5         170.3     174.6     177.6     171.0

  26  Other liabilities                                    423.2     434.7     459.6     469.8     437.7     427.8     438.9     436.0         440.6     428.5     412.2     416.5

  27  TOTAL LIABILITIES                                  6,359.0   6,583.2   6,687.7   6,775.9   6,838.9   6,866.4   6,819.9   6,746.6       6,743.0   6,736.1   6,733.6   6,809.0

  28  Residual (assets less liabilities) (8)               475.0     521.1     556.0     542.1     494.3     480.0     487.8     541.0         552.3     545.2     537.7     550.6



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

  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 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,758.0   6,020.8   6,132.6   6,189.2   6,172.5   6,165.5   6,188.0   6,174.6       6,167.4   6,182.1   6,213.0   6,228.3

  2     Securities in bank credit                        1,643.0   1,777.9   1,836.5   1,857.2   1,799.0   1,765.3   1,776.1   1,803.2       1,816.6   1,821.7   1,824.7   1,829.0
  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       1,085.2   1,092.5   1,094.3   1,094.0
  4        Other securities                                665.1     673.6     703.3     709.9     691.3     692.0     715.7     731.3         731.5     729.2     730.4     734.9

  5     Loans and leases in bank credit (3)              4,115.0   4,243.0   4,296.1   4,332.1   4,373.5   4,400.2   4,411.9   4,371.4       4,350.7   4,360.4   4,388.2   4,399.3
  6        Commercial and industrial                       968.4     949.0     940.7     928.2     924.1     911.4     902.3     892.7         890.4     890.3     888.0     887.0
  7        Real estate                                   1,972.4   2,107.6   2,138.0   2,158.3   2,193.4   2,240.1   2,258.1   2,237.5       2,225.0   2,217.3   2,233.1   2,236.4
  8          Revolving home equity                         205.2     234.5     239.6     245.6     249.0     253.3     259.3     265.8         266.6     268.8     270.1     271.8
  9          Other                                       1,767.2   1,873.2   1,898.4   1,912.7   1,944.4   1,986.8   1,998.8   1,971.7       1,958.4   1,948.5   1,963.0   1,964.6
  10       Consumer                                        585.1     581.8     593.2     596.9     595.2     597.7     604.8     602.1         600.3     603.1     628.0     632.2
  10a        Credit card and related plans                 232.0     215.6     226.0     227.7     224.6     224.5     227.4     223.2         221.3     223.8     249.4     252.9
  10b        Other                                         353.0     366.2     367.2     369.2     370.6     373.2     377.3     378.9         379.0     379.3     378.6     379.3
  11       Security (4)                                    185.3     186.3     199.1     207.3     205.3     198.3     196.5     208.3         207.6     221.1     211.3     213.4
  12       Other loans and leases                          403.8     418.2     425.0     441.3     455.5     452.8     450.3     430.7         427.4     428.6     427.9     430.4

  13  Interbank loans                                      320.3     316.0     312.6     321.5     317.7     321.6     301.1     318.2         305.5     315.8     316.5     317.1

  14  Cash assets (5)                                      320.9     318.0     314.7     322.3     325.7     327.1     327.2     318.5         306.6     310.0     312.6     351.9

  15  Other assets (6)                                     508.6     528.1     544.0     543.2     549.8     562.3     556.8     548.6         553.2     553.1     549.7     579.3

  16  TOTAL ASSETS (7)                                   6,832.4   7,107.8   7,228.1   7,300.6   7,290.7   7,300.3   7,297.1   7,285.4       7,258.1   7,286.7   7,317.0   7,401.7

            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   4,739.3   4,700.3       4,660.0   4,663.4   4,736.9   4,795.8
  18    Transaction                                        606.8     638.3     623.9     633.9     646.7     638.8     629.4     630.8         629.2     665.0     607.1     631.8
  19    Nontransaction                                   3,863.3   3,999.4   4,012.5   4,057.6   4,072.1   4,111.0   4,110.0   4,069.6       4,030.8   3,998.3   4,129.8   4,164.0
  20       Large time                                    1,013.8     989.9   1,002.8   1,001.3   1,009.8   1,015.8   1,022.6     998.6         994.1     990.1     998.5     999.3
  21       Other                                         2,849.6   3,009.5   3,009.6   3,056.3   3,062.3   3,095.2   3,087.4   3,071.0       3,036.7   3,008.2   3,131.3   3,164.7

  22  Borrowings                                         1,340.6   1,400.8   1,443.9   1,476.3   1,503.0   1,492.2   1,472.8   1,433.2       1,430.3   1,446.0   1,431.9   1,450.7
  23    From banks in the U.S.                             413.4     401.2     392.2     406.7     407.1     411.3     396.3     396.3         383.8     397.1     397.4     404.7
  24    From others                                        927.2     999.6   1,051.8   1,069.7   1,095.9   1,080.8   1,076.5   1,036.9       1,046.5   1,048.9   1,034.5   1,046.0

  25  Net due to related foreign offices                   113.0     130.2     146.0     123.5     133.6     125.1     133.0     168.1         175.9     185.6     181.6     175.3

  26  Other liabilities                                    426.8     423.1     458.8     466.7     428.3     426.1     441.3     439.5         446.2     438.7     415.9     420.5

  27  TOTAL LIABILITIES                                  6,350.5   6,591.8   6,685.1   6,758.1   6,783.7   6,793.1   6,786.4   6,741.2       6,712.4   6,733.7   6,766.3   6,842.3

  28  Residual (assets less liabilities) (8)               481.8     516.0     543.0     542.5     507.0     507.2     510.7     544.2         545.7     553.0     550.7     559.5





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

  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 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,135.7   5,371.5   5,468.5   5,522.4   5,556.3   5,563.2   5,569.2   5,548.1       5,548.6   5,547.4   5,571.5   5,592.3

  2     Securities in bank credit                        1,394.4   1,501.4   1,548.8   1,574.1   1,548.1   1,506.7   1,505.8   1,530.8       1,547.3   1,549.0   1,549.0   1,555.4
  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         989.6     993.8     996.2     996.7
  4        Other securities                                507.7     521.1     541.0     546.3     546.1     536.1     552.7     557.6         557.7     555.2     552.9     558.7

  5     Loans and leases in bank credit (3)              3,741.3   3,870.1   3,919.7   3,948.4   4,008.3   4,056.5   4,063.3   4,017.3       4,001.3   3,998.4   4,022.5   4,036.9
  6        Commercial and industrial                       786.9     774.6     768.1     763.3     767.0     765.6     759.2     752.7         751.8     751.1     749.6     752.7
  7        Real estate                                   1,951.2   2,092.3   2,114.9   2,137.6   2,175.6   2,220.9   2,236.3   2,212.1       2,201.2   2,192.1   2,204.2   2,205.4
  8          Revolving home equity                         204.7     234.8     238.4     244.8     248.9     253.2     258.4     265.2         266.0     268.2     269.9     271.8
  9          Other                                       1,746.5   1,857.5   1,876.5   1,892.9   1,926.6   1,967.8   1,977.9   1,947.0       1,935.2   1,923.9   1,934.3   1,933.6
  10       Consumer                                        584.7     584.6     594.5     600.4     600.9     601.5     606.7     603.0         599.8     601.8     627.9     631.9
  11       Security (4)                                     85.6      72.4      91.4      90.3      95.9      95.4      88.9      94.6          93.6      99.2      90.7      94.6
  12       Other loans and leases                          332.9     346.2     350.8     356.7     368.9     373.1     372.2     355.0         354.9     354.2     350.0     352.3

  13  Interbank loans                                      303.0     282.5     292.3     289.5     289.1     295.1     277.4     296.2         291.1     294.3     274.8     283.3

  14  Cash assets (5)                                      272.2     270.0     267.3     277.1     282.4     289.4     277.8     265.2         268.0     258.8     262.3     288.8

  15  Other assets (6)                                     480.4     496.2     509.5     511.9     518.4     529.3     522.5     517.7         530.5     518.2     510.5     541.3

  16  TOTAL ASSETS (7)                                   6,115.7   6,345.4   6,462.6   6,526.0   6,571.6   6,601.4   6,571.5   6,552.6       6,563.4   6,544.0   6,544.5   6,631.0

            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   4,277.7       4,267.5   4,255.0   4,287.1   4,340.7
  18    Transaction                                        600.1     621.2     623.3     627.9     643.9     643.3     623.9     623.4         640.1     659.7     594.9     612.6
  19    Nontransaction                                   3,415.1   3,556.8   3,586.7   3,631.9   3,650.9   3,701.2   3,700.8   3,654.3       3,627.4   3,595.3   3,692.3   3,728.1
  20       Large time                                      571.0     582.2     595.7     590.4     586.4     600.4     605.1     583.9         581.6     573.9     580.6     581.7
  21       Other                                         2,844.2   2,974.5   2,991.0   3,041.5   3,064.5   3,100.8   3,095.7   3,070.3       3,045.8   3,021.3   3,111.7   3,146.3

  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       1,141.4   1,144.3   1,134.6   1,154.3
  23    From banks in the U.S.                             391.9     369.7     358.5     373.8     373.7     382.0     369.4     361.9         352.3     361.8     364.3     375.9
  24    From others                                        708.4     729.2     774.6     789.0     847.1     844.3     821.6     775.1         789.1     782.5     770.3     778.4

  25  Net due to related foreign offices                   183.7     212.2     224.3     208.3     229.0     230.3     230.2     258.5         261.7     266.9     262.2     263.8

  26  Other liabilities                                    328.7     344.2     352.8     356.3     328.8     311.9     328.7     325.1         327.6     319.9     303.7     310.7

  27  TOTAL LIABILITIES                                  5,628.1   5,833.2   5,920.2   5,987.2   6,073.4   6,113.0   6,074.6   5,998.4       5,998.2   5,986.0   5,987.7   6,069.5

  28  Residual (assets less liabilities) (8)               487.6     512.2     542.3     538.8     498.2     488.4     496.9     554.2         565.1     558.0     556.8     561.5



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

  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 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,138.0   5,366.2   5,467.9   5,522.0   5,538.1   5,549.6   5,569.4   5,549.7       5,544.3   5,552.0   5,588.9   5,602.4

  2     Securities in bank credit                        1,392.2   1,499.2   1,546.6   1,567.9   1,532.9   1,499.5   1,504.6   1,528.5       1,541.4   1,550.0   1,554.4   1,557.1
  3        Treasury and Agency securities (2)              882.8     980.1   1,005.8   1,023.1     993.8     966.7     953.0     968.8         982.2     991.5     998.2     996.6
  4        Other securities                                509.5     519.1     540.8     544.8     539.0     532.8     551.5     559.7         559.2     558.5     556.2     560.5

  5     Loans and leases in bank credit (3)              3,745.8   3,867.0   3,921.4   3,954.0   4,005.3   4,050.2   4,064.8   4,021.2       4,003.0   4,001.9   4,034.5   4,045.4
  6        Commercial and industrial                       787.2     779.3     773.7     767.9     769.1     763.0     757.7     752.9         751.6     750.6     751.0     751.6
  7        Real estate                                   1,952.8   2,088.6   2,118.7   2,138.9   2,174.0   2,221.0   2,238.3   2,214.0       2,201.2   2,193.7   2,209.6   2,213.0
  8          Revolving home equity                         205.2     234.5     239.6     245.6     249.0     253.3     259.3     265.8         266.6     268.8     270.1     271.8
  9          Other                                       1,747.6   1,854.1   1,879.1   1,893.3   1,925.0   1,967.7   1,979.0   1,948.3       1,934.6   1,924.9   1,939.5   1,941.2
  10       Consumer                                        585.1     581.8     593.2     596.9     595.2     597.7     604.8     602.1         600.3     603.1     628.0     632.2
  10a        Credit card and related plans                 232.0     215.6     226.0     227.7     224.6     224.5     227.4     223.2         221.3     223.8     249.4     252.9
  10d        Other                                         353.0     366.2     367.2     369.2     370.6     373.2     377.3     378.9         379.0     379.3     378.6     379.3
  11       Security (4)                                     87.8      71.3      86.0      91.4      94.6      94.2      90.1      97.0          97.1     102.0      94.1      96.2
  12       Other loans and leases                          333.0     345.9     349.7     358.9     372.3     374.2     374.0     355.1         352.7     352.5     351.8     352.4

  13  Interbank loans                                      295.8     293.6     288.0     290.8     284.6     289.2     270.5     289.1         276.4     288.9     284.8     289.2

  14  Cash assets (5)                                      274.3     270.4     265.3     270.5     274.6     275.0     274.5     267.3         255.4     257.5     263.5     299.9

  15  Other assets (6)                                     480.8     495.8     507.3     507.9     517.8     526.3     526.6     518.0         524.3     518.9     518.7     547.4

  16  TOTAL ASSETS (7)                                   6,113.9   6,351.3   6,453.2   6,516.0   6,540.5   6,564.4   6,565.4   6,550.1       6,526.5   6,543.3   6,581.6   6,664.6

            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   4,273.4       4,234.4   4,234.9   4,307.7   4,362.6
  18    Transaction                                        596.9     627.7     613.5     622.9     635.3     627.3     618.3     620.2         618.9     654.3     596.5     620.3
  19    Nontransaction                                   3,414.0   3,569.4   3,584.1   3,627.9   3,639.8   3,682.8   3,686.6   3,653.2       3,615.5   3,580.6   3,711.1   3,742.3
  20       Large time                                      572.5     580.4     593.9     590.0     584.8     599.0     602.5     585.4         583.1     576.4     584.9     585.7
  21       Other                                         2,841.6   2,989.1   2,990.2   3,037.9   3,055.1   3,083.8   3,084.1   3,067.8       3,032.4   3,004.2   3,126.2   3,156.5

  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       1,143.5   1,148.0   1,144.4   1,158.2
  23    From banks in the U.S.                             390.4     373.8     360.8     372.0     370.3     377.5     362.6     360.5         350.8     359.9     364.5     373.5
  24    From others                                        712.5     729.3     778.0     789.9     843.5     828.9     826.5     779.6         792.7     788.1     779.9     784.6

  25  Net due to related foreign offices                   187.0     203.5     223.5     207.3     222.9     230.0     231.3     263.2         268.9     277.8     269.3     269.3

  26  Other liabilities                                    333.3     332.8     351.7     354.8     322.0     311.4     330.0     329.6         334.6     330.1     310.1     315.7

  27  TOTAL LIABILITIES                                  5,634.2   5,836.5   5,911.7   5,974.6   6,033.9   6,057.8   6,055.3   6,006.4       5,981.3   5,990.7   6,031.5   6,105.7

  28  Residual (assets less liabilities) (8)               479.7     514.7     541.6     541.4     506.6     506.6     510.1     543.7         545.1     552.6     550.1     558.9






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

  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 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             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       3,029.8   3,033.5   3,044.1   3,056.4

  2     Securities in bank credit                          738.7     810.6     857.1     880.8     845.7     801.2     804.7     824.7         838.6     841.0     838.0     842.7
  3        Treasury and Agency securities (2)              437.4     493.8     520.5     536.7     504.4     469.4     456.9     473.3         486.3     491.5     491.8     491.9
  3a         Trading account                                37.7      40.7      43.6      38.8      38.5      34.7      38.1      33.8          31.2      37.6      40.9      41.9
  3b         Investment account                            399.7     453.1     476.9     497.9     465.9     434.7     418.8     439.5         455.2     453.8     451.0     450.0
  4        Other securities                                301.3     316.8     336.6     344.0     341.3     331.8     347.8     351.4         352.2     349.5     346.2     350.9
  4a         Trading account                               153.8     161.5     183.4     187.9     172.6     162.3     178.3     180.8         180.9     182.0     176.5     179.5
  4b         Investment account                            147.5     155.3     153.2     156.1     168.8     169.6     169.5     170.6         171.3     167.5     169.7     171.4
  4c           State and local government                   28.8      30.9      31.3      32.2      32.3      31.4      31.5      31.5          31.6      31.5      31.5      31.6
  4d           Other                                       118.7     124.4     121.9     123.9     136.5     138.2     138.1     139.1         139.7     136.0     138.2     139.8

  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       2,191.2   2,192.5   2,206.1   2,213.7
  6        Commercial and industrial                       494.4     476.0     468.1     461.5     463.9     458.6     450.4     444.0         443.5     442.4     439.3     441.0
  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       1,101.7   1,098.8   1,107.5   1,106.3
  8          Revolving home equity                         130.0     150.4     152.9     156.4     160.1     163.7     168.1     173.3         174.1     176.0     177.1     178.6
  9          Other                                         817.9     893.6     906.0     910.1     930.4     960.1     971.3     941.9         927.6     922.9     930.4     927.7
  10       Consumer                                        320.0     312.8     313.0     314.5     311.9     312.9     316.2     313.7         311.8     312.5     330.8     331.8
  11       Security (4)                                     78.1      64.3      82.6      80.9      86.6      86.0      79.6      85.4          84.6      90.1      82.1      85.9
  11a        Fed funds and RPs with broker/dealer           67.8      52.4      63.0      63.5      68.7      66.8      62.1      67.3          67.0      72.0      64.7      67.1
  11b        Other                                          10.4      11.8      19.5      17.4      17.9      19.2      17.6      18.2          17.6      18.2      17.4      18.8
  12a      State and local government                       13.1      12.4      12.4      12.7      13.0      13.3      13.4      13.7          13.5      13.9      13.7      13.8
  12b      Agricultural                                      8.2       7.7       7.5       7.4       7.3       7.4       7.5       7.5           7.5       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          25.4      26.1      23.8      24.0
  12d      All other loans                                  70.9      88.2      89.5      91.8     107.2     112.6     110.1      96.0          96.2      94.2      94.5      96.7
  12e      Lease financing receivables                     118.6     109.4     109.8     110.7     109.9     109.4     109.3     107.7         106.9     107.1     106.9     106.8

  13  Interbank loans                                      197.1     171.2     171.1     165.2     169.3     178.5     164.4     181.4         175.9     177.6     170.0     177.4
  13a   Fed funds and RPs with banks                        96.2      99.2     100.8      97.8      97.8      99.0      95.6     102.6          95.6     100.2      93.0      99.5
  13b   Other                                              101.0      72.0      70.2      67.4      71.5      79.5      68.8      78.8          80.4      77.3      77.0      77.9

  14  Cash assets (5)                                      147.5     135.9     132.9     140.4     142.1     146.8     139.4     128.4         127.3     124.1     126.4     155.9

  15  Other assets (6)                                     339.8     347.3     356.6     359.3     364.2     367.6     358.3     358.4         372.0     356.2     346.1     356.7

  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   3,657.7       3,661.9   3,648.3   3,643.7   3,703.4



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                       November 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            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       2,069.1   2,055.7   2,083.5   2,116.5
  18    Transaction                                        292.5     296.4     297.5     300.4     307.4     304.3     291.0     288.0         296.8     307.4     270.8     285.9
  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       1,772.3   1,748.2   1,812.7   1,830.6
  20       Large time                                      268.1     267.2     279.2     271.1     269.0     283.3     286.4     266.5         265.0     255.6     261.6     262.2
  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       1,507.3   1,492.6   1,551.1   1,568.4

  22  Borrowings                                           741.7     697.5     723.0     746.8     794.8     786.2     751.1     696.6         697.8     702.0     697.9     708.4
  23    From banks in the U.S.                             268.7     212.4     203.6     216.7     213.9     213.4     204.7     189.8         178.2     186.7     193.7     197.5
  24    From others                                        473.1     485.2     519.4     530.2     580.9     572.8     546.4     506.8         519.6     515.2     504.2     510.9

  25  Net due to related foreign offices                   171.4     199.3     211.9     196.3     217.2     218.3     216.2     245.0         247.2     251.5     247.0     248.6

  26  Other liabilities                                    262.9     264.7     272.7     277.0     248.8     231.7     248.7     244.8         246.7     239.3     222.8     230.0

  27  TOTAL LIABILITIES                                  3,125.4   3,202.7   3,255.6   3,297.4   3,355.8   3,365.6   3,330.7   3,264.4       3,260.7   3,248.4   3,251.1   3,303.5

  28  Residual (assets less liabilities) (8)               324.6     357.8     386.1     378.2     337.7     332.8     344.7     393.3         401.2     399.8     392.5     399.9



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

  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 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             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       3,024.4   3,035.0   3,058.6   3,062.8

  2     Securities in bank credit                          738.7     807.0     855.6     875.1     832.4     795.7     803.3     824.8         835.7     844.0     845.6     845.6
  3        Treasury and Agency securities (2)              435.6     492.2     519.3     532.5     498.1     467.2     456.6     471.4         481.9     491.1     496.0     493.0
  3a         Trading account                                37.6      40.6      43.5      38.5      38.0      34.6      38.1      33.7          30.9      37.6      41.2      42.0
  3b         Investment account                            398.1     451.6     475.8     493.9     460.1     432.6     418.6     437.7         451.0     453.5     454.8     451.0
  3c           Mortgage-backed                             315.2     354.4     380.3     389.5     364.2     335.5     320.8     335.6         347.0     349.5     351.7     347.6
  3d           Other                                        82.9      97.2      95.5     104.4      95.9      97.1      97.7     102.1         104.0     104.0     103.1     103.4
  3e             1 year or less                             21.9      24.7      23.3      24.4      24.2      24.5      24.1      24.8          25.4      25.3      24.9      24.8
  3f             Between 1 and 5 years                      50.5      55.5      55.4      57.6      51.5      52.8      53.1      56.7          57.6      56.1      56.2      56.2
  3g             More than 5 years                          10.5      17.0      16.7      22.4      20.2      19.8      20.5      20.6          21.0      22.6      22.0      22.4
  4        Other securities                                303.0     314.7     336.3     342.6     334.3     328.5     346.7     353.4         353.8     352.8     349.5     352.6
  4a         Trading account                               154.7     160.5     183.2     187.2     169.0     160.6     177.7     181.9         181.7     183.7     178.2     180.4
  4b         Investment account                            148.4     154.3     153.1     155.4     165.3     167.9     169.0     171.6         172.0     169.1     171.4     172.2
  4c           State and local government                   29.0      30.7      31.3      32.1      31.6      31.1      31.4      31.7          31.7      31.8      31.8      31.8
  4d           Other                                       119.4     123.6     121.8     123.4     133.7     136.8     137.6     139.9         140.3     137.3     139.6     140.5

  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   2,207.6       2,188.7   2,191.0   2,213.0   2,217.2
  6        Commercial and industrial                       494.9     478.6     471.1     463.8     465.1     457.3     450.6     444.5         443.3     442.2     441.4     441.3
  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       1,100.9   1,098.5   1,111.3   1,111.0
  8          Revolving home equity                         130.2     150.4     154.0     157.4     160.6     164.2     168.7     173.7         174.5     176.1     177.1     178.1
  9a         Other residential                             495.9     570.0     588.5     591.7     613.2     643.5     654.7     624.0         607.3     603.1     614.4     612.7
  9b         Commercial                                    322.4     321.8     320.7     319.9     316.8     316.9     317.5     318.4         319.2     319.3     319.8     320.2
  10       Consumer                                        316.7     313.4     313.9     314.7     310.0     310.4     312.5     309.7         308.1     309.5     328.2     329.3
  10a        Credit card and related plans                 117.2     103.6     103.9     104.9     100.0      99.7      99.2      95.0          93.1      94.2     114.5     115.4
  10f        Other                                         199.6     209.8     210.0     209.8     210.0     210.7     213.3     214.6         215.0     215.3     213.7     213.9
  11       Security (4)                                     80.4      62.9      77.3      82.1      85.4      84.8      81.0      88.0          88.4      93.2      85.0      87.2
  11a        Fed funds and RPs with broker/dealer           69.7      51.4      59.0      64.5      67.8      65.9      63.1      69.3          70.0      74.4      67.0      68.1
  11b        Other                                          10.7      11.6      18.3      17.6      17.6      18.9      17.9      18.7          18.4      18.8      18.0      19.1
  12a      State and local government                       13.1      12.4      12.4      12.7      13.0      13.3      13.4      13.7          13.5      13.9      13.7      13.8
  12b      Agricultural                                      8.1       7.7       7.6       7.5       7.4       7.5       7.4       7.4           7.4       7.4       7.4       7.3
  12c      Fed funds and RPs with others                    19.9      24.7      26.5      28.0      25.4      24.3      26.6      24.8          25.4      26.1      23.8      24.0
  12d      All other loans                                  71.2      88.0      88.9      93.6     109.7     112.9     111.8      96.4          95.3      93.7      95.8      96.9
  12e      Lease financing receivables                     118.0     109.8     109.8     110.3     109.4     108.4     107.8     107.2         106.3     106.6     106.6     106.4

  13  Interbank loans                                      191.2     174.5     171.8     169.4     169.4     173.4     159.0     175.5         166.4     177.2     172.2     179.0
  13a   Fed funds and RPs with banks                        93.5     101.0     101.3     100.3      97.9      96.3      92.4      99.3          90.4     100.0      94.2     100.4
  13b   Other                                               97.7      73.4      70.5      69.2      71.6      77.1      66.5      76.2          76.0      77.1      78.0      78.6

  14  Cash assets (5)                                      149.1     138.6     132.0     136.0     136.7     137.1     136.5     130.0         122.0     123.5     126.7     162.1

  15  Other assets (6)                                     340.1     346.8     354.4     355.3     363.6     364.6     362.3     358.8         365.8     356.8     354.3     362.7

  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       3,636.2   3,650.2   3,669.2   3,723.9

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

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H.8 (510)                                                                                                                                                                   Page 8
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                   November 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            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       2,048.5   2,045.0   2,094.1   2,128.4
  18    Transaction                                        289.6     302.5     293.2     297.6     301.4     292.1     286.2     285.1         283.0     304.3     269.0     289.7
  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       1,765.5   1,740.7   1,825.2   1,838.7
  20       Large time                                      269.6     265.4     277.3     270.7     267.4     281.8     283.8     268.0         266.6     258.1     265.9     266.2
  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       1,499.0   1,482.6   1,559.3   1,572.5

  22  Borrowings                                           744.3     701.7     728.8     745.9     787.8     766.2     749.3     699.7         699.8     705.7     707.7     712.2
  23    From banks in the U.S.                             267.2     216.5     205.9     214.8     210.5     208.9     197.9     188.4         176.7     184.9     193.8     195.1
  24    From others                                        477.1     485.2     522.8     531.1     577.2     557.4     551.4     511.3         523.2     520.8     513.9     517.1

  25  Net due to related foreign offices                   174.7     190.7     211.0     195.2     211.1     218.0     217.3     249.7         254.4     262.4     254.0     254.0

  26  Other liabilities                                    267.4     253.3     271.7     275.5     242.0     231.2     250.0     249.3         253.6     249.5     229.1     235.1

  27  TOTAL LIABILITIES                                  3,133.4   3,194.3   3,255.1   3,294.4   3,330.0   3,328.4   3,322.8   3,274.4       3,256.4   3,262.5   3,285.0   3,329.7

  28  Residual (assets less liabilities) (8)               313.2     368.3     385.0     378.7     344.6     341.6     346.4     379.8         379.8     387.7     384.2     394.2













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

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H.8 (510)                                                                                                                                                                   Page 9
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                   November 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,325.9   2,421.3   2,443.2   2,467.6   2,495.0   2,513.6   2,512.0   2,515.5       2,518.8   2,513.9   2,527.4   2,535.9

  2     Securities in bank credit                          655.7     690.7     691.7     693.3     702.4     705.5     701.2     706.1         708.7     708.1     711.0     712.7
  3        Treasury and Agency securities (2)              449.3     486.4     487.3     491.1     497.6     501.3     496.3     499.8         503.3     502.4     504.3     504.8
  4        Other securities                                206.4     204.3     204.4     202.2     204.8     204.2     204.9     206.2         205.4     205.7     206.7     207.9

  5     Loans and leases in bank credit (3)              1,670.2   1,730.5   1,751.5   1,774.3   1,792.6   1,808.1   1,810.8   1,809.4       1,810.1   1,805.9   1,816.4   1,823.2
  6        Commercial and industrial                       292.5     298.5     300.0     301.9     303.1     307.0     308.9     308.7         308.3     308.7     310.4     311.7
  7        Real estate                                   1,003.3   1,048.2   1,056.0   1,071.1   1,085.1   1,097.1   1,096.9   1,096.9       1,099.5   1,093.2   1,096.7   1,099.1
  8          Revolving home equity                          74.7      84.3      85.5      88.3      88.9      89.4      90.3      91.8          91.8      92.3      92.8      93.3
  9          Other                                         928.6     963.9     970.5     982.8     996.2   1,007.7   1,006.5   1,005.1       1,007.6   1,001.0   1,003.9   1,005.9
  10       Consumer                                        264.7     271.8     281.5     285.8     289.0     288.5     290.5     289.3         288.0     289.3     297.0     300.1
  11       Security (4)                                      7.4       8.2       8.9       9.4       9.3       9.4       9.2       9.1           9.0       9.0       8.6       8.7
  12       Other loans and leases                          102.3     103.8     105.1     106.1     106.1     106.1     105.4     105.4         105.4     105.5     103.6     103.5

  13  Interbank loans                                      105.8     111.3     121.2     124.3     119.8     116.5     113.0     114.8         115.1     116.7     104.8     105.9

  14  Cash assets (5)                                      124.8     134.1     134.3     136.7     140.2     142.6     138.4     136.8         140.6     134.7     135.9     132.8

  15  Other assets (6)                                     140.7     149.0     152.9     152.7     154.2     161.7     164.2     159.3         158.5     162.0     164.4     184.7

  16  TOTAL ASSETS (7)                                   2,665.7   2,784.9   2,820.9   2,850.5   2,878.1   2,903.0   2,896.1   2,894.8       2,901.4   2,895.7   2,900.8   2,927.6

            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   2,199.6       2,198.4   2,199.3   2,203.6   2,224.2
  18    Transaction                                        307.6     324.8     325.8     327.6     336.5     339.0     332.9     335.4         343.3     352.3     324.0     326.7
  19    Nontransaction                                   1,758.2   1,812.0   1,836.3   1,855.0   1,863.2   1,876.1   1,877.0   1,864.3       1,855.1   1,847.1   1,879.6   1,897.4
  20       Large time                                      302.9     315.0     316.6     319.3     317.4     317.1     318.7     317.4         316.5     318.3     319.0     319.5
  21       Other                                         1,455.3   1,497.0   1,519.7   1,535.7   1,545.8   1,559.0   1,558.3   1,546.9       1,538.5   1,528.7   1,560.5   1,577.9

  22  Borrowings                                           358.7     401.4     410.1     416.0     426.0     440.1     439.9     440.4         443.6     442.3     436.7     445.9
  23    From banks in the U.S.                             123.3     157.3     154.9     157.1     159.8     168.6     164.7     172.1         174.1     175.0     170.6     178.4
  24    From others                                        235.4     244.1     255.2     258.8     266.2     271.5     275.2     268.3         269.5     267.3     266.1     267.5

  25  Net due to related foreign offices                    12.3      12.8      12.4      12.0      11.8      12.0      14.1      13.5          14.4      15.4      15.2      15.2

  26  Other liabilities                                     65.9      79.5      80.0      79.3      80.0      80.2      80.0      80.4          81.0      80.6      81.0      80.7

  27  TOTAL LIABILITIES                                  2,502.7   2,630.5   2,664.7   2,689.8   2,717.6   2,747.5   2,743.9   2,733.9       2,737.5   2,737.6   2,736.5   2,766.0

  28  Residual (assets less liabilities) (8)               163.0     154.4     156.3     160.7     160.5     155.6     152.2     160.9         164.0     158.1     164.3     161.6



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

  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 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,328.5   2,419.5   2,441.6   2,465.3   2,489.8   2,510.4   2,514.1   2,517.3       2,520.0   2,517.0   2,530.3   2,539.6

  2     Securities in bank credit                          653.6     692.2     690.9     692.9     700.5     703.7     701.3     703.7         705.7     706.1     708.9     711.5
  3        Treasury and Agency securities (2)              447.2     487.9     486.5     490.6     495.7     499.5     496.4     497.5         500.2     500.4     502.2     503.7
  4        Other securities                                206.4     204.3     204.4     202.2     204.8     204.2     204.9     206.2         205.4     205.7     206.7     207.9

  5     Loans and leases in bank credit (3)              1,674.9   1,727.2   1,750.7   1,772.4   1,789.3   1,806.7   1,812.8   1,813.6       1,814.3   1,810.9   1,821.4   1,828.1
  6        Commercial and industrial                       292.3     300.7     302.6     304.1     304.0     305.7     307.1     308.4         308.3     308.3     309.6     310.3
  7        Real estate                                   1,004.3   1,046.4   1,055.5   1,070.0   1,083.4   1,096.3   1,097.5   1,098.0       1,100.3   1,095.1   1,098.3   1,102.0
  8          Revolving home equity                          74.9      84.1      85.5      88.3      88.4      89.1      90.6      92.1          92.1      92.6      93.0      93.7
  9          Other                                         929.3     962.3     969.9     981.7     995.0   1,007.3   1,006.9   1,005.9       1,008.2   1,002.5   1,005.3   1,008.3
  10       Consumer                                        268.3     268.4     279.4     282.2     285.2     287.3     292.2     292.5         292.2     293.6     299.9     302.8
  10a        Credit card and related plans                 114.9     112.1     122.2     122.8     124.6     124.9     128.2     128.2         128.2     129.6     135.0     137.5
  10h        Other                                         153.5     156.3     157.2     159.4     160.6     162.5     164.0     164.3         163.9     164.0     164.9     165.3
  11       Security (4)                                      7.4       8.4       8.7       9.3       9.2       9.4       9.1       9.0           8.7       8.8       9.1       9.0
  12       Other loans and leases                          102.7     103.3     104.6     106.8     107.4     107.8     106.9     105.7         104.8     105.0     104.5     103.9

  13  Interbank loans                                      104.5     119.1     116.2     121.3     115.1     115.8     111.6     113.6         110.0     111.8     112.6     110.3

  14  Cash assets (5)                                      125.2     131.8     133.2     134.4     137.9     137.9     137.9     137.3         133.4     133.9     136.7     137.8

  15  Other assets (6)                                     140.7     149.0     152.9     152.7     154.2     161.7     164.2     159.3         158.5     162.0     164.4     184.7

  16  TOTAL ASSETS (7)                                   2,667.3   2,788.6   2,813.2   2,842.9   2,865.9   2,894.4   2,896.2   2,896.0       2,890.3   2,893.1   2,912.3   2,940.7

            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   2,197.7       2,185.9   2,189.9   2,213.5   2,234.1
  18    Transaction                                        307.4     325.1     320.3     325.3     333.9     335.2     332.1     335.2         336.0     350.1     327.6     330.5
  19    Nontransaction                                   1,756.6   1,823.4   1,833.7   1,847.7   1,852.2   1,861.8   1,866.5   1,862.6       1,849.9   1,839.8   1,885.9   1,903.6
  20       Large time                                      302.9     315.0     316.6     319.3     317.4     317.1     318.7     317.4         316.5     318.3     319.0     319.5
  21       Other                                         1,453.7   1,508.4   1,517.1   1,528.4   1,534.8   1,544.7   1,547.8   1,545.2       1,533.4   1,521.5   1,566.9   1,584.0

  22  Borrowings                                           358.7     401.4     410.1     416.0     426.0     440.1     439.9     440.4         443.6     442.3     436.7     445.9
  23    From banks in the U.S.                             123.3     157.3     154.9     157.1     159.8     168.6     164.7     172.1         174.1     175.0     170.6     178.4
  24    From others                                        235.4     244.1     255.2     258.8     266.2     271.5     275.2     268.3         269.5     267.3     266.1     267.5

  25  Net due to related foreign offices                    12.3      12.8      12.4      12.0      11.8      12.0      14.1      13.5          14.4      15.4      15.2      15.2

  26  Other liabilities                                     65.9      79.5      80.0      79.3      80.0      80.2      80.0      80.4          81.0      80.6      81.0      80.7

  27  TOTAL LIABILITIES                                  2,500.8   2,642.2   2,656.6   2,680.3   2,703.9   2,729.4   2,732.5   2,732.0       2,724.9   2,728.2   2,746.5   2,776.0

  28  Residual (assets less liabilities) (8)               166.5     146.4     156.6     162.7     162.0     165.0     163.7     163.9         165.3     164.9     165.9     164.7




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

  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 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          620.5     654.8     669.3     670.7     641.7     622.3     622.6     625.5         624.1     625.6     617.3     620.0

  2     Securities in bank credit                          250.8     278.7     289.9     289.2     266.2     265.8     271.5     274.7         275.3     271.7     270.3     271.9
  3        Treasury and Agency securities (2)               95.1     124.2     127.4     124.2     113.9     106.5     107.4     103.1         103.0     101.0      96.1      97.4
  4        Other securities                                155.7     154.5     162.6     165.1     152.3     159.3     164.1     171.6         172.3     170.6     174.2     174.5

  5     Loans and leases in bank credit (3)                369.7     376.1     379.4     381.5     375.5     356.4     351.1     350.8         348.8     354.0     346.9     348.1
  6        Commercial and industrial                       181.1     170.7     168.8     160.9     156.0     149.5     144.7     139.7         139.1     139.0     135.6     134.5
  7        Real estate                                      19.6      19.0      19.3      19.4      19.4      19.1      19.8      23.5          23.8      23.6      23.5      23.4
  11       Security (4)                                     97.5     114.7     115.4     118.3     115.2     108.0     109.8     111.2         110.6     114.8     111.8     112.0
  12       Other loans and leases                           71.4      71.7      75.9      82.8      84.9      79.9      76.9      76.3          75.3      76.5      76.0      78.2

  13  Interbank loans                                       24.5      22.4      24.6      30.7      33.1      32.4      30.6      29.0          29.1      26.9      31.6      27.8

  14  Cash assets (5)                                       45.5      49.7      51.1      54.3      54.0      54.3      53.2      50.0          49.8      50.2      47.1      49.0

  15  Other assets (6)                                      28.2      32.5      36.6      36.7      33.2      36.5      30.2      31.0          29.4      35.0      31.3      32.2

  16  TOTAL ASSETS (7)                                     718.3     759.0     781.1     792.0     761.6     745.0     736.2     735.0         731.9     737.3     726.8     728.6

            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     438.2         436.4     435.7     434.7     433.9
  18    Transaction                                          9.6      11.2      10.8      11.4      11.4      11.8      10.9      10.3          10.0      10.2      10.3      11.2
  19    Nontransaction                                     461.8     423.4     422.6     431.2     442.0     443.4     440.1     427.9         426.3     425.5     424.4     422.7

  22  Borrowings                                           237.7     297.7     305.1     314.5     289.2     285.8     283.6     293.1         286.8     298.0     287.4     292.5
  23    From banks in the U.S.                              23.0      27.4      31.3      34.7      36.8      33.8      33.6      35.7          33.0      37.2      32.9      31.2
  24    From others                                        214.7     270.3     273.7     279.8     252.5     251.9     250.0     257.4         253.8     260.8     254.6     261.4

  25  Net due to related foreign offices                   -72.6     -72.9     -77.9     -81.9     -86.0    -103.5     -99.6     -94.0         -91.4     -92.3     -84.6     -92.8

  26  Other liabilities                                     94.4      90.6     106.8     113.5     108.9     115.9     110.2     110.9         113.0     108.6     108.4     105.8

  27  TOTAL LIABILITIES                                    730.9     750.0     767.4     788.7     765.5     753.4     745.3     748.2         744.8     750.1     745.9     739.5

  28  Residual (assets less liabilities) (8)               -12.6       9.0      13.7       3.3      -3.9      -8.4      -9.1     -13.2         -12.9     -12.8     -19.1     -10.9



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

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H.8 (510)                                                                                                                                                                  Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                     November 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          620.0     654.7     664.6     667.3     634.4     615.8     618.6     625.0         623.0     630.1     624.1     625.8

  2     Securities in bank credit (2)                      250.8     278.7     289.9     289.2     266.2     265.8     271.5     274.7         275.3     271.7     270.3     271.9
  3        Treasury and Agency securities                   95.1     124.2     127.4     124.2     113.9     106.5     107.4     103.1         103.0     101.0      96.1      97.4
  3a         Trading account                                18.6      39.8      43.1      43.1      39.9      38.7      39.6      38.3          38.6      39.1      31.8      32.9
  3b         Investment account                             76.5      84.4      84.3      81.1      74.0      67.9      67.8      64.9          64.4      62.0      64.3      64.6
  4        Other securities                                155.7     154.5     162.6     165.1     152.3     159.3     164.1     171.6         172.3     170.6     174.2     174.5
  4a         Trading account                               101.5      99.3     106.6     107.2      97.8     101.8     104.7     103.6         103.4     102.2     101.5     102.2
  4b         Investment account                             54.2      55.2      56.0      57.8      54.5      57.4      59.5      68.0          68.9      68.4      72.7      72.2

  5     Loans and leases in bank credit (3)                369.2     376.0     374.7     378.0     368.2     350.0     347.1     350.2         347.8     358.5     353.8     353.9
  6        Commercial and industrial                       181.2     169.7     167.0     160.4     155.1     148.3     144.6     139.8         138.8     139.7     137.0     135.3
  7        Real estate                                      19.6      19.0      19.3      19.4      19.4      19.1      19.8      23.5          23.8      23.6      23.5      23.4
  11       Security (4)                                     97.5     115.0     113.1     115.9     110.6     104.1     106.4     111.3         110.5     119.1     117.2     117.2
  12       Other loans and leases                           70.8      72.3      75.3      82.4      83.1      78.5      76.3      75.6          74.7      76.1      76.1      78.0

  13  Interbank loans                                       24.5      22.4      24.6      30.7      33.1      32.4      30.6      29.0          29.1      26.9      31.6      27.8

  14  Cash assets (5)                                       46.6      47.5      49.4      51.8      51.1      52.1      52.8      51.2          51.2      52.5      49.1      52.0

  15  Other assets (6)                                      27.8      32.4      36.7      35.3      32.1      36.0      30.2      30.6          28.8      34.3      31.0      31.9

  16  TOTAL ASSETS (7)                                     718.5     756.5     774.9     784.6     750.2     735.8     731.7     735.3         731.6     743.4     735.4     737.1

            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     426.9         425.6     428.5     429.3     433.2
  18    Transaction                                          9.8      10.6      10.4      11.0      11.4      11.5      11.1      10.5          10.3      10.7      10.6      11.5
  19    Nontransaction                                     449.3     430.0     428.4     429.7     432.3     428.3     423.4     416.3         415.3     417.8     418.7     421.7

  22  Borrowings                                           237.7     297.7     305.1     314.5     289.2     285.8     283.6     293.1         286.8     298.0     287.4     292.5
  23    From banks in the U.S.                              23.0      27.4      31.3      34.7      36.8      33.8      33.6      35.7          33.0      37.2      32.9      31.2
  24    From others                                        214.7     270.3     273.7     279.8     252.5     251.9     250.0     257.4         253.8     260.8     254.6     261.4

  25  Net due to related foreign offices                   -74.1     -73.3     -77.5     -83.7     -89.3    -104.9     -98.3     -95.1         -93.0     -92.2     -87.7     -94.0

  26  Other liabilities                                     93.6      90.3     107.1     111.9     106.3     114.7     111.3     109.9         111.7     108.7     105.8     104.8

  27  TOTAL LIABILITIES                                    716.3     755.3     773.5     783.5     749.8     735.3     731.1     734.7         731.1     743.0     734.8     736.5

  28  Residual (assets less liabilities) (8)                 2.2       1.3       1.4       1.1       0.4       0.6       0.6       0.5           0.6       0.4       0.6       0.6







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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars                                                                                                                     November 21, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Oct       Apr       May       Jun       Jul       Aug       Sep       Oct         Oct 22    Oct 29     Nov 5    Nov 12 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      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         115.2     115.2     107.6     107.8

  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          97.2      96.7      91.4      90.4

  31  Mortgage-backed securities (10)                      357.3     400.8     427.2     436.8     412.7     387.6     373.3     388.1         399.7     400.8     405.5     401.4
  31a   Pass-through                                       262.1     288.6     314.3     324.8     301.6     274.1     262.6     278.5         290.9     292.7     292.0     288.0
  31b   CMO, REMIC, and other                               95.2     112.2     112.9     112.0     111.1     113.5     110.7     109.6         108.8     108.1     113.6     113.3

  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           2.1       2.6       1.5       1.3

  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      13.6      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         162.9     164.4     164.9     164.7
  34a   Credit card and related plans                      127.5     138.7     139.4     140.6     144.0     144.5     144.3     146.8         146.9     147.9     148.5     147.7
  34b   Other                                               17.3      15.9      15.9      16.6      17.5      18.0      16.5      16.2          16.0      16.5      16.4      16.9

  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         327.9     327.9     331.4     331.2

  34  Securitized consumer loans (13)                      197.9     204.6     204.3     204.0     200.6     201.8     202.9     204.2         204.6     204.0     204.2     202.5
  34a   Credit card and related plans                      189.3     196.7     196.5     196.3     193.0     194.2     195.3     196.7         197.1     196.5     196.8     195.4
  34b   Other                                                8.5       7.9       7.8       7.7       7.6       7.6       7.6       7.5           7.5       7.5       7.5       7.2


      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          68.5      67.7      62.5      62.4

  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          68.3      67.2      63.8      64.1

  35  Securitized business loans (13)                        7.6       3.3       3.0       2.5       1.5       1.4       1.3       1.4           1.4       1.5       1.5       1.4











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                 November 21, 2003

  Current and historical H.8 data are available on the Federal Reserve Board's web site (http://www.federalreserve.gov).  For information about individual copies or subscriptions,
  contact Publications Services at the Federal Reserve Board (phone 202-452-3244, fax 202-728-5886).  For paid electronic access to current and historical data, call STAT-USA at
  1-800-782-8872 or 202-482-1986.


  1.  Covers the following types of institutions in the fifty states and the District of Columbia: domestically chartered commercial banks that submit a weekly report of
      condition (large domestic); other domestically chartered commercial banks (small domestic); branches and agencies of foreign banks, and Edge Act and Agreement corporations
      (foreign-related institutions). Excludes International Banking Facilities. Data are Wednesday values or pro rata averages of Wednesday values. Large domestic banks
      constitute a universe; data for small domestic banks and foreign-related institutions are estimates based on weekly samples and on quarter-end condition reports. Data are
      adjusted for breaks caused by reclassifications of assets and liabilities.
      The data for large and small domestic banks presented on pages 5 to 10 are adjusted to remove the estimated effects of mergers between these two groups. The adjustment for
      mergers changes past levels to make them comparable with current levels. Estimated quantities of balance sheet items acquired in mergers are removed from past data for the
      bank group that contained the acquired bank and put into past data for the group containing the acquiring bank. Balance sheet data for acquired banks are obtained from
      call reports, and a ratio procedure is used to adjust past levels.
  2.  Treasury securities are liabilities of the U.S. Treasury.  Agency securities are liabilities of U.S. government agencies and U.S. government-sponsored enterprises.
  3.  Excludes federal funds sold to, reverse RPs with, and loans made to commercial banks in the United States, all of which are included in line 13.
  4.  Consists of reverse RPs with brokers and dealers and loans to purchase and carry securities.
  5.  Includes vault cash, cash items in process of collection, balances due from depository institutions, and balances due from Federal Reserve Banks.
  6.  Excludes the due-from position with related foreign offices, which is included in line 25.
  7.  Excludes unearned income, reserves for losses on loans and leases, and reserves for transfer risk. Loans are reported gross of these items.
  8.  This balancing item is not intended as a measure of equity capital for use in capital adequacy analysis. On a seasonally adjusted basis this item reflects any differences
      in the seasonal patterns estimated for total assets and total liabilities.
  9.  Fair value of derivative contracts (interest rate, foreign exchange rate, other commodity and equity contracts) in a gain/loss position, as determined under FASB
      Interpretation No. 39.  The fair value of derivative contracts in a gain position is included in "Other securities, trading account," balance sheet item 4a. The fair value 
      of derivative contracts in a loss position is included in "Other liabilities," balance sheet item 26.
  10. Includes mortgage-backed securities issued by U.S. government agencies, U.S. government-sponsored enterprises, and private entities.
  11. Difference between fair value and historical cost for securities classified as available-for-sale under FASB Statement No. 115. Data are reported net of tax effects. Data
      shown are restated to include an estimate of these tax effects.
  12. Mainly commercial and industrial loans, but also includes an unknown amount of credit extended to entities other than nonfinancial businesses.
  13. Total amount outstanding. 
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