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: February 6, 2004
Release dates | Historical data | Notes on the Data | About
Current release  Other formats: Screen reader | ASCII | PDF (54 KB)

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                                                                                                                          February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,889.5   6,197.0   6,201.6   6,191.2   6,198.7   6,178.3   6,218.3   6,249.0       6,269.7   6,291.0   6,324.2   6,337.9

  2     Securities in bank credit                        1,718.5   1,868.7   1,829.1   1,786.2   1,790.3   1,810.1   1,839.8   1,852.1       1,837.8   1,855.3   1,871.1   1,865.7
  3        Treasury and Agency securities (2)            1,028.3   1,153.5   1,118.2   1,081.2   1,066.0   1,082.3   1,102.8   1,102.0       1,090.5   1,088.2   1,108.6   1,107.8
  4        Other securities                                690.1     715.2     710.9     705.0     724.3     727.8     737.0     750.1         747.3     767.1     762.4     757.9

  5     Loans and leases in bank credit (3)              4,171.0   4,328.3   4,372.5   4,405.0   4,408.4   4,368.2   4,378.5   4,396.9       4,431.9   4,435.7   4,453.1   4,472.2
  6        Commercial and industrial                       964.0     924.4     923.7     917.1     907.2     896.8     893.0     897.6         894.5     895.1     899.9     899.8
  7        Real estate                                   2,028.5   2,156.9   2,195.6   2,242.3   2,259.5   2,238.2   2,222.7   2,217.0       2,228.7   2,226.3   2,233.0   2,233.9
  8          Revolving home equity                         213.4     244.8     249.0     253.4     258.8     265.6     273.4     280.9         288.2     289.9     290.9     292.3
  9          Other                                       1,815.1   1,912.2   1,946.6   1,988.9   2,000.8   1,972.6   1,949.3   1,936.1       1,940.6   1,936.3   1,942.1   1,941.5
  10       Consumer                                        588.0     600.5     602.2     603.4     607.9     603.0     631.8     635.1         637.5     637.2     641.4     641.7
  11       Security (4)                                    188.8     209.9     211.3     203.7     199.1     206.6     212.3     196.4         204.0     209.9     210.7     223.1
  12       Other loans and leases                          401.7     436.6     439.7     438.4     434.7     423.6     418.7     450.8         467.2     467.1     468.2     473.6

  13  Interbank loans                                      327.8     320.1     321.5     325.4     304.4     321.1     297.5     288.9         277.3     296.4     284.3     350.9

  14  Cash assets (5)                                      315.1     324.7     336.2     343.2     330.0     313.6     322.9     305.9         303.7     301.3     336.7     326.3

  15  Other assets (6)                                     509.0     550.7     555.9     575.5     565.7     563.0     557.1     560.1         564.8     563.5     560.2     562.1

  16  TOTAL ASSETS (7)                                   6,965.1   7,317.1   7,340.1   7,359.3   7,322.9   7,301.1   7,320.6   7,327.4       7,340.4   7,377.4   7,431.4   7,503.6

            L I A B I L I T I E S

  17  Deposits                                           4,486.5   4,702.5   4,749.5   4,803.5   4,781.3   4,722.5   4,744.3   4,742.6       4,764.5   4,789.8   4,782.3   4,794.6
  18    Transaction                                        611.3     639.3     656.5     658.5     640.1     639.2     636.7     644.1         588.6     610.2     649.5     670.7
  19    Nontransaction                                   3,875.2   4,063.2   4,093.0   4,145.0   4,141.2   4,083.3   4,107.5   4,098.5       4,175.9   4,179.6   4,132.7   4,123.9
  20       Large time                                      978.6   1,003.4   1,019.0   1,023.4   1,029.4     996.4     988.4     992.2       1,022.3   1,030.9   1,023.3   1,019.5
  21       Other                                         2,896.7   3,059.7   3,074.0   3,121.6   3,111.8   3,086.9   3,119.1   3,106.3       3,153.5   3,148.7   3,109.5   3,104.4

  22  Borrowings                                         1,404.2   1,478.7   1,514.1   1,520.9   1,486.2   1,440.2   1,434.9   1,459.1       1,444.0   1,450.8   1,498.4   1,573.7
  23    From banks in the U.S.                             417.1     408.2     411.2     418.2     403.5     385.4     382.5     380.6         366.0     371.4     387.3     426.0
  24    From others                                        987.1   1,070.6   1,102.8   1,102.7   1,082.7   1,054.8   1,052.5   1,078.5       1,078.0   1,079.4   1,111.1   1,147.7

  25  Net due to related foreign offices                   146.3     126.3     142.8     126.6     130.4     164.5     175.0     145.1         154.1     127.6     141.0     133.2

  26  Other liabilities                                    435.0     447.0     418.7     403.3     416.8     427.9     410.2     415.9         409.0     438.8     438.0     419.7

  27  TOTAL LIABILITIES                                  6,472.0   6,754.5   6,825.0   6,854.2   6,814.8   6,755.1   6,764.3   6,762.7       6,771.6   6,807.0   6,859.7   6,921.3

  28  Residual (assets less liabilities) (8)               493.2     562.5     515.1     505.1     508.2     546.0     556.2     564.7         568.8     570.4     571.6     582.4



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

  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                                                                                                                      February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,923.4   6,192.9   6,175.4   6,171.0   6,194.6   6,179.4   6,233.9   6,285.9       6,296.8   6,319.3   6,338.9   6,344.0

  2     Securities in bank credit                        1,725.1   1,862.5   1,813.6   1,778.8   1,789.0   1,807.9   1,843.4   1,859.4       1,854.5   1,867.0   1,881.5   1,873.9
  3        Treasury and Agency securities (2)            1,032.6   1,148.8   1,110.0   1,077.2   1,065.8   1,078.0   1,104.7   1,106.6       1,096.5   1,093.0   1,113.2   1,112.0
  4        Other securities                                692.5     713.7     703.6     701.6     723.2     729.9     738.7     752.8         757.9     774.1     768.2     761.9

  5     Loans and leases in bank credit (3)              4,198.4   4,330.4   4,361.8   4,392.2   4,405.6   4,371.6   4,390.5   4,426.4       4,442.4   4,452.2   4,457.4   4,470.1
  6        Commercial and industrial                       962.7     928.4     924.8     913.4     905.5     897.1     892.7     896.2         891.1     889.0     893.3     892.9
  7        Real estate                                   2,033.1   2,158.2   2,194.0   2,242.3   2,261.5   2,240.1   2,227.6   2,221.7       2,227.8   2,229.4   2,233.1   2,232.9
  8          Revolving home equity                         212.9     245.6     249.0     253.5     259.6     266.2     273.2     280.2         286.7     288.7     289.8     291.9
  9          Other                                       1,820.1   1,912.6   1,945.0   1,988.8   2,001.9   1,973.9   1,954.4   1,941.5       1,941.1   1,940.7   1,943.3   1,941.0
  10       Consumer                                        596.9     597.1     596.6     599.7     606.0     602.1     633.4     644.2         646.4     646.3     649.6     650.0
  10a        Credit card and related plans                 238.6     227.7     224.5     224.4     227.0     221.9     253.7     265.4         264.9     262.2     263.8     261.5
  10b        Other                                         358.3     369.4     372.1     375.3     379.0     380.2     379.7     378.8         381.5     384.1     385.9     388.4
  11       Security (4)                                    199.4     208.5     205.4     198.6     197.0     209.1     217.2     207.1         206.0     221.2     217.6     229.1
  12       Other loans and leases                          406.3     438.2     441.1     438.2     435.6     423.1     419.7     457.3         471.1     466.4     463.8     465.1

  13  Interbank loans                                      334.8     321.4     317.0     319.6     297.6     314.0     302.0     295.2         282.4     300.1     278.8     339.3

  14  Cash assets (5)                                      336.9     315.8     325.5     326.6     326.2     317.0     333.0     327.1         321.0     324.9     367.3     328.4

  15  Other assets (6)                                     513.7     545.2     554.1     571.8     569.8     562.8     560.8     565.5         573.3     571.0     561.7     561.8

  16  TOTAL ASSETS (7)                                   7,032.7   7,299.7   7,297.0   7,312.9   7,312.3   7,298.8   7,354.8   7,397.2       7,398.6   7,440.7   7,472.8   7,499.9

            L I A B I L I T I E S

  17  Deposits                                           4,537.2   4,691.6   4,720.1   4,753.5   4,745.1   4,707.1   4,760.0   4,794.8       4,815.6   4,834.7   4,795.8   4,778.5
  18    Transaction                                        644.1     633.9     647.8     642.1     634.8     636.4     644.6     678.3         614.3     638.2     665.9     665.6
  19    Nontransaction                                   3,893.1   4,057.7   4,072.2   4,111.4   4,110.3   4,070.7   4,115.4   4,116.5       4,201.3   4,196.5   4,129.8   4,112.9
  20       Large time                                      991.3   1,001.5   1,007.9   1,007.3   1,010.4     986.4     992.1   1,005.1       1,038.3   1,049.9   1,041.0   1,038.2
  21       Other                                         2,901.9   3,056.1   3,064.3   3,104.1   3,099.9   3,084.4   3,123.3   3,111.4       3,163.0   3,146.6   3,088.9   3,074.7

  22  Borrowings                                         1,403.3   1,477.8   1,507.0   1,500.9   1,484.4   1,443.3   1,437.1   1,458.0       1,450.0   1,462.8   1,523.1   1,589.4
  23    From banks in the U.S.                             418.9     406.3     407.9     413.6     396.7     384.0     379.6     382.2         370.1     375.3     392.9     429.3
  24    From others                                        984.5   1,071.5   1,099.2   1,087.3   1,087.7   1,059.3   1,057.4   1,075.8       1,079.9   1,087.5   1,130.2   1,160.1

  25  Net due to related foreign offices                   152.3     123.4     133.4     124.9     132.8     168.1     180.9     151.5         154.6     129.9     145.4     140.8

  26  Other liabilities                                    441.9     444.0     409.8     401.6     419.2     431.4     415.7     422.3         409.6     441.0     442.4     427.1

  27  TOTAL LIABILITIES                                  6,534.8   6,736.8   6,770.3   6,780.9   6,781.5   6,749.8   6,793.6   6,826.6       6,829.8   6,868.4   6,906.6   6,935.8

  28  Residual (assets less liabilities) (8)               498.0     562.9     526.7     532.0     530.8     549.0     561.2     570.6         568.8     572.4     566.1     564.0





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

  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                                                                                                                          February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,246.8   5,526.0   5,559.5   5,569.4   5,577.4   5,554.2   5,593.0   5,627.9       5,644.3   5,664.1   5,691.0   5,694.8

  2     Securities in bank credit                        1,449.7   1,579.3   1,562.8   1,521.6   1,521.3   1,538.8   1,570.0   1,579.3       1,565.4   1,580.5   1,597.8   1,591.5
  3        Treasury and Agency securities (2)              920.3   1,030.0   1,003.9     973.6     956.9     977.3   1,004.2   1,003.0         995.1     991.1   1,010.6   1,008.7
  4        Other securities                                529.3     549.3     558.8     547.9     564.4     561.6     565.8     576.3         570.3     589.4     587.2     582.8

  5     Loans and leases in bank credit (3)              3,797.1   3,946.7   3,996.8   4,047.9   4,056.1   4,015.4   4,023.0   4,048.6       4,078.9   4,083.6   4,093.1   4,103.3
  6        Commercial and industrial                       786.1     763.6     767.6     766.7     760.8     754.9     756.1     753.6         748.4     748.4     752.4     752.4
  7        Real estate                                   2,009.0   2,137.4   2,176.4   2,224.1   2,241.3   2,216.4   2,201.4   2,201.5       2,216.0   2,213.6   2,220.3   2,221.1
  8          Revolving home equity                         213.4     244.8     249.0     253.4     258.8     265.6     273.4     280.9         288.2     289.9     290.9     292.3
  9          Other                                       1,795.7   1,892.7   1,927.5   1,970.8   1,982.5   1,950.8   1,928.0   1,920.6       1,927.9   1,923.7   1,929.5   1,928.8
  10       Consumer                                        588.0     600.5     602.2     603.4     607.9     603.0     631.8     635.1         637.5     637.2     641.4     641.7
  11       Security (4)                                     79.3      91.6      95.8      95.1      88.3      94.0      90.8      88.8         100.3     107.5     100.5     105.1
  12       Other loans and leases                          334.7     353.5     354.6     358.5     357.8     347.2     342.9     369.5         376.8     376.8     378.4     383.1

  13  Interbank loans                                      297.7     289.5     288.3     292.9     273.5     291.7     267.7     263.7         248.7     267.8     256.0     324.3

  14  Cash assets (5)                                      271.2     270.4     281.7     287.5     274.6     261.1     272.4     255.8         253.1     246.2     281.9     271.8

  15  Other assets (6)                                     478.9     513.9     520.8     533.6     526.8     521.8     518.3     520.9         521.3     522.8     523.0     521.2

  16  TOTAL ASSETS (7)                                   6,218.8   6,524.8   6,575.7   6,607.9   6,576.9   6,554.4   6,576.7   6,592.3       6,592.6   6,626.7   6,678.2   6,738.9

            L I A B I L I T I E S

  17  Deposits                                           4,061.9   4,259.9   4,295.6   4,347.0   4,328.4   4,282.2   4,307.6   4,307.4       4,318.5   4,333.5   4,327.9   4,340.9
  18    Transaction                                        602.1     627.9     644.1     644.0     625.0     624.4     621.2     628.7         572.8     593.5     631.6     653.0
  19    Nontransaction                                   3,459.8   3,631.9   3,651.5   3,703.0   3,703.4   3,657.8   3,686.5   3,678.7       3,745.7   3,740.1   3,696.3   3,687.8
  20       Large time                                      569.9     590.4     584.0     591.1     595.4     573.6     570.2     574.7         595.2     597.2     591.8     590.2
  21       Other                                         2,889.9   3,041.5   3,067.6   3,111.9   3,108.0   3,084.2   3,116.2   3,104.0       3,150.6   3,142.8   3,104.5   3,097.7

  22  Borrowings                                         1,121.2   1,164.2   1,222.9   1,230.6   1,195.5   1,138.6   1,139.6   1,150.2       1,130.2   1,128.0   1,177.3   1,239.6
  23    From banks in the U.S.                             387.1     373.5     374.4     384.1     369.6     349.4     350.3     340.2         329.1     332.3     354.7     385.1
  24    From others                                        734.1     790.7     848.5     846.5     825.9     789.3     789.3     810.0         801.0     795.7     822.6     854.6

  25  Net due to related foreign offices                   206.1     208.3     229.0     230.3     230.2     258.5     263.7     254.1         271.0     261.1     271.4     269.0

  26  Other liabilities                                    338.0     333.4     309.7     287.2     306.5     317.0     302.7     316.0         311.8     338.7     337.7     320.3

  27  TOTAL LIABILITIES                                  5,727.2   5,965.7   6,057.2   6,095.1   6,060.7   5,996.4   6,013.7   6,027.7       6,031.4   6,061.4   6,114.3   6,169.8

  28  Residual (assets less liabilities) (8)               491.7     559.1     518.5     512.7     516.2     558.0     563.0     564.6         561.2     565.3     563.9     569.1



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

  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                                                                                                                      February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,270.8   5,525.3   5,540.7   5,555.7   5,577.4   5,555.9   5,605.1   5,654.6       5,665.5   5,681.9   5,696.2   5,692.7

  2     Securities in bank credit                        1,456.3   1,573.1   1,547.3   1,514.2   1,520.0   1,536.6   1,573.7   1,586.6       1,582.0   1,592.2   1,608.2   1,599.7
  3        Treasury and Agency securities (2)              924.6   1,025.2     995.8     969.7     956.8     972.9   1,006.1   1,007.6       1,001.1     995.9   1,015.2   1,012.9
  4        Other securities                                531.7     547.9     551.5     544.5     563.2     563.7     567.6     579.0         580.9     596.3     593.0     586.7

  5     Loans and leases in bank credit (3)              3,814.5   3,952.2   3,993.4   4,041.5   4,057.4   4,019.3   4,031.4   4,068.0       4,083.4   4,089.7   4,088.0   4,093.0
  6        Commercial and industrial                       783.3     768.2     769.7     764.1     759.2     755.1     754.8     751.1         744.2     742.1     746.1     745.9
  7        Real estate                                   2,013.6   2,138.7   2,174.9   2,224.2   2,243.3   2,218.3   2,206.3   2,206.2       2,215.1   2,216.8   2,220.5   2,220.2
  8          Revolving home equity                         212.9     245.6     249.0     253.5     259.6     266.2     273.2     280.2         286.7     288.7     289.8     291.9
  9          Other                                       1,800.7   1,893.1   1,925.8   1,970.7   1,983.7   1,952.1   1,933.1   1,926.0       1,928.4   1,928.1   1,930.6   1,928.3
  10       Consumer                                        596.9     597.1     596.6     599.7     606.0     602.1     633.4     644.2         646.4     646.3     649.6     650.0
  10a        Credit card and related plans                 238.6     227.7     224.5     224.4     227.0     221.9     253.7     265.4         264.9     262.2     263.8     261.5
  10d        Other                                         358.3     369.4     372.1     375.3     379.0     380.2     379.7     378.8         381.5     384.1     385.9     388.4
  11       Security (4)                                     83.4      92.7      94.5      93.9      89.6      96.5      93.3      93.1          99.1     109.7      98.3     102.6
  12       Other loans and leases                          337.3     355.6     357.8     359.6     359.4     347.3     343.6     373.4         378.6     374.8     373.4     374.3

  13  Interbank loans                                      304.8     290.7     283.8     287.0     266.7     284.6     272.2     270.1         253.7     271.5     250.5     312.7

  14  Cash assets (5)                                      290.0     264.0     274.0     273.1     271.2     263.3     279.6     273.4         266.5     265.5     307.9     270.2

  15  Other assets (6)                                     482.8     509.9     520.2     530.5     530.8     522.2     522.1     525.0         528.2     528.2     523.5     519.7

  16  TOTAL ASSETS (7)                                   6,272.4   6,514.8   6,544.1   6,570.7   6,570.7   6,552.0   6,604.6   6,647.2       6,639.5   6,673.1   6,704.6   6,722.1

            L I A B I L I T I E S

  17  Deposits                                           4,101.8   4,250.8   4,276.0   4,312.5   4,308.6   4,278.0   4,323.0   4,348.1       4,354.9   4,360.9   4,324.0   4,305.4
  18    Transaction                                        634.1     622.9     635.5     628.0     619.4     621.3     628.5     661.6         597.6     620.8     647.5     647.8
  19    Nontransaction                                   3,467.7   3,627.9   3,640.4   3,684.6   3,689.2   3,656.8   3,694.5   3,686.5       3,757.3   3,740.1   3,676.5   3,657.6
  20       Large time                                      572.7     590.0     582.4     589.7     592.9     575.1     574.0     577.4         597.3     599.6     592.8     590.0
  21       Other                                         2,895.0   3,037.9   3,058.1   3,094.8   3,096.2   3,081.7   3,120.4   3,109.1       3,160.0   3,140.6   3,083.7   3,067.6

  22  Borrowings                                         1,120.3   1,163.2   1,215.9   1,210.6   1,193.7   1,141.7   1,141.7   1,149.1       1,136.1   1,140.1   1,202.0   1,255.4
  23    From banks in the U.S.                             388.8     371.6     371.1     379.6     362.9     348.0     347.5     341.8         333.2     336.2     360.3     388.3
  24    From others                                        731.5     791.6     844.8     831.0     830.8     793.7     794.3     807.3         802.9     803.9     841.7     867.0

  25  Net due to related foreign offices                   210.4     207.3     222.9     230.0     231.3     263.2     270.8     259.4         270.0     261.7     273.7     273.7

  26  Other liabilities                                    343.8     332.0     303.4     286.7     307.7     321.5     309.1     321.3         310.9     339.4     340.1     325.0

  27  TOTAL LIABILITIES                                  5,776.4   5,953.3   6,018.1   6,039.9   6,041.3   6,004.5   6,044.6   6,077.8       6,072.0   6,102.0   6,139.8   6,159.4

  28  Residual (assets less liabilities) (8)               496.0     561.6     526.0     530.9     529.4     547.5     559.9     569.3         567.5     571.1     564.8     562.7






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

  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                                                                                                    February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,911.5   3,081.4   3,087.6   3,074.3   3,080.8   3,055.1   3,070.3   3,082.2       3,077.9   3,100.0   3,121.3   3,121.2

  2     Securities in bank credit                          784.4     887.8     863.5     817.6     820.6     833.2     857.9     861.7         843.3     861.4     878.0     876.1
  3        Treasury and Agency securities (2)              462.5     542.3     508.6     473.3     460.6     477.5     499.1     493.5         481.0     480.3     499.7     501.7
  3a         Trading account                                44.6      39.9      38.5      34.7      38.1      33.8      40.4      39.4          36.1      38.2      44.8      40.6
  3b         Investment account                            417.9     502.5     470.1     438.5     422.5     443.7     458.7     454.1         444.9     442.2     454.8     461.1
  4        Other securities                                321.9     345.5     355.0     344.3     360.0     355.7     358.8     368.1         362.3     381.0     378.4     374.4
  4a         Trading account                               164.9     187.1     172.6     162.2     178.3     180.8     182.6     188.5         181.8     196.8     194.4     190.4
  4b         Investment account                            157.0     158.4     182.4     182.1     181.7     174.9     176.1     179.6         180.5     184.3     184.0     184.1
  4c           State and local government                   29.5      32.2      32.3      31.4      31.5      31.5      31.7      31.7          31.3      31.8      31.9      32.1
  4d           Other                                       127.5     126.2     150.1     150.7     150.3     143.4     144.4     147.9         149.2     152.4     152.1     152.0

  5     Loans and leases in bank credit (3)              2,127.1   2,193.6   2,224.1   2,256.7   2,260.3   2,221.9   2,212.4   2,220.5       2,234.6   2,238.6   2,243.2   2,245.1
  6        Commercial and industrial                       495.4     465.9     468.3     463.0     454.7     448.9     446.8     443.6         433.3     433.0     436.7     435.5
  7        Real estate                                   1,002.4   1,076.9   1,101.0   1,134.5   1,150.4   1,125.4   1,106.4   1,099.0       1,105.9   1,102.0   1,108.6   1,106.4
  8          Revolving home equity                         139.8     159.9     163.6     167.4     171.9     177.2     183.0     188.1         193.5     195.2     195.9     196.7
  9          Other                                         862.5     917.0     937.3     967.1     978.5     948.2     923.5     911.0         912.4     906.8     912.7     909.7
  10       Consumer                                        323.7     319.4     317.7     318.7     321.1     318.5     335.4     329.7         327.3     328.7     329.7     329.6
  11       Security (4)                                     72.2      82.5      86.9      86.3      79.9      85.7      82.9      81.0          92.5      99.6      92.3      95.8
  11a        Fed funds and RPs with broker/dealer           61.8      64.4      69.0      67.1      62.3      67.6      65.2      62.7          74.0      80.8      72.2      76.8
  11b        Other                                          10.4      18.1      17.9      19.2      17.6      18.2      17.7      18.3          18.5      18.9      20.1      19.0
  12a      State and local government                       12.0      12.8      13.1      13.4      13.6      13.8      14.0      14.0          14.0      14.0      14.0      14.2
  12b      Agricultural                                      8.7       7.8       7.7       7.9       7.9       7.9       7.8       7.8           7.6       7.6       7.6       7.6
  12c      Fed funds and RPs with others                    24.8      27.9      26.0      24.8      27.2      25.3      25.3      28.6          26.2      24.6      26.5      26.7
  12d      All other loans                                  74.9      89.9      93.8      98.9      96.6      89.1      87.5     112.3         127.1     128.4     126.9     128.3
  12e      Lease financing receivables                     113.0     110.4     109.6     109.1     109.0     107.3     106.3     104.5         100.6     100.6     101.0     101.1

  13  Interbank loans                                      199.6     171.7     175.6     184.8     170.3     187.6     169.8     168.1         154.5     170.6     153.8     203.8
  13a   Fed funds and RPs with banks                       103.3     103.8     103.6     104.8     101.1     108.3      93.0      89.8          76.0      93.4      76.8      94.5
  13b   Other                                               96.3      67.9      72.0      80.0      69.2      79.3      76.8      78.2          78.4      77.2      76.9     109.3

  14  Cash assets (5)                                      155.4     138.7     147.5     152.1     144.7     133.4     145.0     133.0         130.4     125.2     155.9     136.4

  15  Other assets (6)                                     340.6     363.6     369.5     374.7     365.1     364.6     359.2     355.8         353.0     361.9     365.5     360.5

  16  TOTAL ASSETS (7)                                   3,562.8   3,710.7   3,736.3   3,741.4   3,716.7   3,697.2   3,700.8   3,695.1       3,673.1   3,715.6   3,755.0   3,780.9



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                        February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           2,014.1   2,105.5   2,123.4   2,158.2   2,143.5   2,106.4   2,122.8   2,127.9       2,125.7   2,142.1   2,128.1   2,120.8
  18    Transaction                                        294.6     303.0     310.0     306.8     293.5     290.6     290.1     294.0         261.7     276.5     297.9     310.9
  19    Nontransaction                                   1,719.5   1,802.5   1,813.4   1,851.3   1,850.0   1,815.8   1,832.7   1,833.9       1,864.0   1,865.6   1,830.2   1,809.8
  20       Large time                                      263.8     272.3     267.8     275.4     278.4     258.3     252.2     253.0         266.5     268.9     262.1     260.7
  21       Other                                         1,455.7   1,530.2   1,545.6   1,575.9   1,571.6   1,557.5   1,580.5   1,580.9       1,597.5   1,596.7   1,568.1   1,549.1

  22  Borrowings                                           748.9     754.1     802.2     793.7     757.5     702.3     700.6     705.0         684.1     681.0     716.1     763.0
  23    From banks in the U.S.                             256.1     218.4     215.5     215.1     206.3     191.4     188.3     174.7         165.3     164.7     179.3     199.3
  24    From others                                        492.8     535.7     586.7     578.6     551.2     510.9     512.3     530.2         518.8     516.3     536.9     563.8

  25  Net due to related foreign offices                   193.7     196.3     217.2     218.3     216.2     245.0     249.1     233.6         245.1     237.4     249.4     247.1

  26  Other liabilities                                    277.1     254.4     232.2     212.3     234.6     246.0     230.5     241.1         237.7     264.7     264.4     250.4

  27  TOTAL LIABILITIES                                  3,233.8   3,310.3   3,374.9   3,382.5   3,351.8   3,299.7   3,303.0   3,307.5       3,292.6   3,325.2   3,358.0   3,381.3

  28  Residual (assets less liabilities) (8)               329.0     400.3     361.3     358.9     364.9     397.5     397.7     387.6         380.5     390.4     396.9     399.6



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

  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                                                                                                February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,923.9   3,083.1   3,073.9   3,063.8   3,078.7   3,054.9   3,079.3   3,097.5       3,097.2   3,112.3   3,124.2   3,117.5

  2     Securities in bank credit                          789.5     882.1     849.9     812.0     819.2     833.3     862.8     867.3         858.5     870.2     886.4     882.5
  3        Treasury and Agency securities (2)              465.2     538.1     502.3     471.1     460.4     475.6     502.3     496.5         485.6     482.3     502.2     504.1
  3a         Trading account                                44.9      39.6      38.0      34.6      38.1      33.7      40.7      39.6          36.5      38.3      45.1      40.8
  3b         Investment account                            420.3     498.4     464.3     436.5     422.3     441.9     461.6     456.8         449.1     443.9     457.2     463.4
  3c           Mortgage-backed                             322.8     394.1     368.5     339.6     324.7     339.6     355.3     350.7         343.6     341.4     350.1     354.7
  3d           Other                                        97.6     104.3      95.8      96.9      97.6     102.3     106.4     106.1         105.5     102.6     107.1     108.7
  3e             1 year or less                             24.2      24.4      24.2      24.5      24.0      24.8      25.3      25.9          25.9      25.0      24.6      23.6
  3f             Between 1 and 5 years                      56.8      57.6      51.4      52.7      53.1      56.8      58.1      57.7          57.6      56.5      59.1      59.3
  3g             More than 5 years                          16.5      22.4      20.2      19.8      20.5      20.7      23.0      22.6          22.0      21.1      23.4      25.8
  4        Other securities                                324.3     344.0     347.6     340.9     358.8     357.8     360.5     370.8         372.9     388.0     384.2     378.4
  4a         Trading account                               166.1     186.3     169.0     160.6     177.7     181.9     183.5     189.9         187.1     200.4     197.4     192.4
  4b         Investment account                            158.1     157.7     178.6     180.3     181.1     175.9     177.0     181.0         185.8     187.6     186.8     186.0
  4c           State and local government                   29.7      32.1      31.6      31.1      31.4      31.7      31.8      31.9          32.2      32.4      32.4      32.4
  4d           Other                                       128.4     125.7     147.0     149.2     149.8     144.2     145.1     149.0         153.6     155.2     154.4     153.6

  5     Loans and leases in bank credit (3)              2,134.4   2,201.0   2,224.0   2,251.8   2,259.5   2,221.6   2,216.5   2,230.2       2,238.7   2,242.0   2,237.7   2,235.0
  6        Commercial and industrial                       492.8     468.2     469.5     461.7     454.9     449.4     446.9     441.3         430.1     428.3     432.0     430.8
  7        Real estate                                   1,003.7   1,079.4   1,101.1   1,135.4   1,151.8   1,126.2   1,109.3   1,100.2       1,105.8   1,103.0   1,106.4   1,102.4
  8          Revolving home equity                         139.0     160.8     164.1     167.9     172.4     177.5     182.5     186.9         192.1     193.6     194.5     195.8
  9a         Other residential                             539.2     595.3     616.8     647.4     658.6     627.6     604.7     593.0         595.7     590.6     592.4     586.8
  9b         Commercial                                    325.5     323.2     320.1     320.1     320.7     321.1     322.1     320.3         318.0     318.8     319.5     319.8
  10       Consumer                                        326.1     319.6     315.7     316.1     317.4     314.5     333.7     332.9         333.5     334.1     334.9     334.6
  10a        Credit card and related plans                 117.5     105.0     100.1      99.8      99.3      95.2     116.3     118.8         118.2     117.0     116.9     115.2
  10f        Other                                         208.6     214.5     215.6     216.3     218.1     219.3     217.4     214.1         215.4     217.1     218.0     219.5
  11       Security (4)                                     76.1      83.7      85.7      85.1      81.3      88.3      85.2      85.1          91.3     102.0      90.6      94.1
  11a        Fed funds and RPs with broker/dealer           65.1      65.3      68.1      66.2      63.4      69.6      67.0      65.9          73.1      82.7      70.8      75.5
  11b        Other                                          10.9      18.3      17.7      18.9      17.9      18.7      18.2      19.2          18.2      19.3      19.8      18.7
  12a      State and local government                       12.0      12.8      13.1      13.4      13.6      13.8      14.0      14.0          14.0      14.0      14.0      14.2
  12b      Agricultural                                      8.7       7.9       7.8       7.9       7.9       7.8       7.8       7.8           7.7       7.7       7.6       7.5
  12c      Fed funds and RPs with others                    24.8      27.9      26.0      24.8      27.2      25.3      25.3      28.6          26.2      24.6      26.5      26.7
  12d      All other loans                                  77.0      91.5      96.0      99.2      98.1      89.4      88.5     115.7         127.6     126.1     123.3     122.2
  12e      Lease financing receivables                     113.2     110.0     109.1     108.1     107.5     106.8     105.8     104.8         102.5     102.3     102.5     102.4

  13  Interbank loans                                      204.1     175.9     175.7     179.6     164.9     181.7     171.1     172.2         157.8     176.0     157.1     206.6
  13a   Fed funds and RPs with banks                       105.5     106.3     103.7     102.0      97.9     105.0      93.7      92.0          77.7      96.3      78.5      95.8
  13b   Other                                               98.6      69.6      72.0      77.6      66.9      76.7      77.4      80.2          80.1      79.6      78.6     110.8

  14  Cash assets (5)                                      166.8     134.6     142.0     142.5     141.8     135.0     147.9     143.5         137.4     138.3     174.1     136.9

  15  Other assets (6)                                     344.5     359.6     368.9     371.6     369.1     364.9     363.0     360.0         359.9     367.3     366.0     359.0

  16  TOTAL ASSETS (7)                                   3,595.0   3,708.3   3,716.7   3,712.8   3,710.3   3,693.7   3,718.2   3,729.3       3,710.0   3,751.9   3,780.0   3,779.1

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

  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)                                                                                    February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           2,030.6   2,106.0   2,117.4   2,141.8   2,135.0   2,104.1   2,129.8   2,144.2       2,141.4   2,156.0   2,122.9   2,096.1
  18    Transaction                                        315.0     300.3     304.1     294.7     288.8     287.7     293.8     314.5         274.2     294.0     309.5     309.5
  19    Nontransaction                                   1,715.6   1,805.7   1,813.3   1,847.1   1,846.3   1,816.4   1,836.0   1,829.6       1,867.2   1,862.0   1,813.4   1,786.6
  20       Large time                                      266.7     271.9     266.2     274.0     275.9     259.7     256.0     255.8         268.7     271.2     263.0     260.6
  21       Other                                         1,448.9   1,533.9   1,547.1   1,573.1   1,570.3   1,556.7   1,580.0   1,573.9       1,598.5   1,590.7   1,550.4   1,526.0

  22  Borrowings                                           748.1     753.2     795.2     773.7     755.7     705.3     702.7     703.9         690.1     693.0     740.8     778.8
  23    From banks in the U.S.                             257.9     216.6     212.2     210.6     199.6     190.0     185.4     176.4         169.4     168.6     184.9     202.6
  24    From others                                        490.2     536.6     583.0     563.1     556.1     515.4     517.3     527.5         520.7     524.4     555.9     576.2

  25  Net due to related foreign offices                   198.1     195.3     211.1     218.0     217.3     249.7     256.1     238.8         244.1     238.0     251.7     251.7

  26  Other liabilities                                    282.8     253.0     225.9     211.8     235.9     250.5     237.0     246.4         236.9     265.4     266.8     255.1

  27  TOTAL LIABILITIES                                  3,259.5   3,307.4   3,349.5   3,345.3   3,343.8   3,309.7   3,325.6   3,333.3       3,312.4   3,352.4   3,382.2   3,381.7

  28  Residual (assets less liabilities) (8)               335.5     400.8     367.2     367.5     366.4     384.0     392.6     396.0         397.6     399.5     397.8     397.4













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

  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                                                                                                    February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,335.3   2,444.6   2,471.9   2,495.1   2,496.5   2,499.1   2,522.7   2,545.7       2,566.4   2,564.1   2,569.7   2,573.6

  2     Securities in bank credit                          665.2     691.5     699.2     703.9     700.8     705.6     712.1     717.7         722.1     719.1     719.8     715.4
  3        Treasury and Agency securities (2)              457.8     487.6     495.3     500.3     496.3     499.7     505.0     509.4         514.1     510.7     511.0     507.1
  4        Other securities                                207.4     203.9     203.9     203.6     204.4     205.9     207.1     208.2         208.0     208.4     208.8     208.3

  5     Loans and leases in bank credit (3)              1,670.1   1,753.1   1,772.7   1,791.2   1,795.8   1,793.5   1,810.6   1,828.0       1,844.4   1,845.0   1,849.9   1,858.2
  6        Commercial and industrial                       290.7     297.7     299.3     303.7     306.1     306.0     309.4     310.0         315.1     315.4     315.8     316.9
  7        Real estate                                   1,006.7   1,060.5   1,075.5   1,089.6   1,090.9   1,091.0   1,095.0   1,102.5       1,110.1   1,111.7   1,111.8   1,114.8
  8          Revolving home equity                          73.5      84.9      85.4      86.0      86.9      88.4      90.4      92.8          94.6      94.8      95.0      95.6
  9          Other                                         933.1     975.7     990.1   1,003.6   1,004.0   1,002.5   1,004.5   1,009.7       1,015.5   1,016.9   1,016.8   1,019.2
  10       Consumer                                        264.3     281.1     284.6     284.7     286.8     284.4     296.3     305.5         310.2     308.5     311.7     312.1
  11       Security (4)                                      7.2       9.1       8.9       8.8       8.4       8.3       7.9       7.8           7.8       7.9       8.2       9.3
  12       Other loans and leases                          101.2     104.7     104.5     104.4     103.6     103.8     102.0     102.2         101.2     101.5     102.5     105.2

  13  Interbank loans                                       98.1     117.8     112.7     108.1     103.2     104.1      98.0      95.7          94.2      97.2     102.3     120.5

  14  Cash assets (5)                                      115.9     131.7     134.2     135.3     129.9     127.7     127.5     122.8         122.7     121.0     126.0     135.4

  15  Other assets (6)                                     138.3     150.4     151.3     158.9     161.7     157.2     159.1     165.1         168.3     160.8     157.4     160.7

  16  TOTAL ASSETS (7)                                   2,656.0   2,814.1   2,839.5   2,866.5   2,860.2   2,857.2   2,875.9   2,897.2       2,919.5   2,911.0   2,923.2   2,957.9

            L I A B I L I T I E S

  17  Deposits                                           2,047.8   2,154.4   2,172.2   2,188.8   2,184.9   2,175.8   2,184.8   2,179.5       2,192.8   2,191.4   2,199.9   2,220.1
  18    Transaction                                        307.5     324.9     334.1     337.2     331.5     333.8     331.1     334.7         311.1     317.0     333.7     342.1
  19    Nontransaction                                   1,740.3   1,829.5   1,838.2   1,851.7   1,853.5   1,842.0   1,853.8   1,844.8       1,881.7   1,874.5   1,866.1   1,878.0
  20       Large time                                      306.0     318.1     316.2     315.7     317.0     315.4     318.1     321.6         328.7     328.3     329.8     329.5
  21       Other                                         1,434.3   1,511.3   1,522.0   1,536.0   1,536.4   1,526.6   1,535.7   1,523.1       1,553.0   1,546.2   1,536.4   1,548.5

  22  Borrowings                                           372.2     410.0     420.7     436.9     438.0     436.4     439.0     445.2         446.1     447.1     461.1     476.6
  23    From banks in the U.S.                             131.0     155.1     158.9     169.0     163.3     158.0     162.0     165.5         163.9     167.6     175.4     185.8
  24    From others                                        241.3     255.0     261.9     267.9     274.7     278.4     277.0     279.8         282.2     279.5     285.7     290.8

  25  Net due to related foreign offices                    12.4      12.0      11.8      12.0      14.1      13.5      14.6      20.6          25.9      23.7      21.9      21.9

  26  Other liabilities                                     61.0      78.9      77.5      74.9      71.9      71.0      72.1      74.9          74.1      74.0      73.4      69.9

  27  TOTAL LIABILITIES                                  2,493.4   2,655.4   2,682.3   2,712.7   2,708.8   2,696.7   2,710.6   2,720.2       2,738.8   2,736.2   2,756.3   2,788.5

  28  Residual (assets less liabilities) (8)               162.6     158.7     157.2     153.8     151.3     160.5     165.3     177.0         180.7     174.9     166.9     169.4



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

  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                                                                                                February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,346.8   2,442.2   2,466.8   2,491.9   2,498.7   2,501.0   2,525.8   2,557.1       2,568.3   2,569.6   2,572.1   2,575.2

  2     Securities in bank credit                          666.8     691.0     697.4     702.2     700.9     703.3     710.9     719.3         723.6     722.0     721.8     717.1
  3        Treasury and Agency securities (2)              459.3     487.2     493.5     498.6     496.4     497.4     503.8     511.1         515.6     513.6     513.0     508.8
  4        Other securities                                207.4     203.9     203.9     203.6     204.4     205.9     207.1     208.2         208.0     208.4     208.8     208.3

  5     Loans and leases in bank credit (3)              1,680.1   1,751.2   1,769.4   1,789.7   1,797.8   1,797.7   1,814.9   1,837.8       1,844.7   1,847.7   1,850.2   1,858.1
  6        Commercial and industrial                       290.5     300.0     300.2     302.5     304.3     305.7     307.8     309.8         314.1     313.9     314.1     315.2
  7        Real estate                                   1,009.9   1,059.4   1,073.8   1,088.8   1,091.5   1,092.1   1,097.0   1,106.0       1,109.3   1,113.8   1,114.1   1,117.8
  8          Revolving home equity                          73.9      84.8      84.9      85.6      87.2      88.7      90.7      93.3          94.6      95.1      95.4      96.1
  9          Other                                         936.0     974.6     988.9   1,003.2   1,004.3   1,003.4   1,006.3   1,012.7       1,014.7   1,018.7   1,018.7   1,021.7
  10       Consumer                                        270.7     277.5     280.9     283.5     288.6     287.6     299.7     311.3         312.9     312.1     314.8     315.4
  10a        Credit card and related plans                 121.0     122.6     124.4     124.6     127.6     126.7     137.4     146.6         146.7     145.2     146.9     146.4
  10h        Other                                         149.7     154.9     156.4     158.9     160.9     160.9     162.3     164.8         166.2     167.0     167.9     169.0
  11       Security (4)                                      7.3       9.0       8.8       8.8       8.3       8.2       8.1       8.0           7.8       7.8       7.7       8.5
  12       Other loans and leases                          101.6     105.3     105.8     106.2     105.1     104.1     102.3     102.6         100.7     100.1      99.6     101.3

  13  Interbank loans                                      100.7     114.8     108.1     107.4     101.8     102.9     101.1      97.9          95.9      95.6      93.5     106.1

  14  Cash assets (5)                                      123.2     129.5     131.9     130.7     129.4     128.3     131.7     129.9         129.1     127.2     133.8     133.3

  15  Other assets (6)                                     138.3     150.4     151.3     158.9     161.7     157.2     159.1     165.1         168.3     160.8     157.4     160.7

  16  TOTAL ASSETS (7)                                   2,677.4   2,806.5   2,827.4   2,858.0   2,860.5   2,858.3   2,886.3   2,917.9       2,929.5   2,921.1   2,924.6   2,943.0

            L I A B I L I T I E S

  17  Deposits                                           2,071.3   2,144.8   2,158.6   2,170.8   2,173.6   2,173.9   2,193.2   2,203.9       2,213.6   2,204.9   2,201.1   2,209.3
  18    Transaction                                        319.2     322.6     331.4     333.3     330.7     333.6     334.7     347.0         323.4     326.7     338.0     338.3
  19    Nontransaction                                   1,752.1   1,822.2   1,827.1   1,837.5   1,842.9   1,840.3   1,858.5   1,856.9       1,890.1   1,878.1   1,863.1   1,871.0
  20       Large time                                      306.0     318.1     316.2     315.7     317.0     315.4     318.1     321.6         328.7     328.3     329.8     329.5
  21       Other                                         1,446.1   1,504.1   1,511.0   1,521.7   1,525.9   1,525.0   1,540.5   1,535.2       1,561.5   1,549.8   1,533.3   1,541.6

  22  Borrowings                                           372.2     410.0     420.7     436.9     438.0     436.4     439.0     445.2         446.1     447.1     461.1     476.6
  23    From banks in the U.S.                             131.0     155.1     158.9     169.0     163.3     158.0     162.0     165.5         163.9     167.6     175.4     185.8
  24    From others                                        241.3     255.0     261.9     267.9     274.7     278.4     277.0     279.8         282.2     279.5     285.7     290.8

  25  Net due to related foreign offices                    12.4      12.0      11.8      12.0      14.1      13.5      14.6      20.6          25.9      23.7      21.9      21.9

  26  Other liabilities                                     61.0      78.9      77.5      74.9      71.9      71.0      72.1      74.9          74.1      74.0      73.4      69.9

  27  TOTAL LIABILITIES                                  2,516.8   2,645.8   2,668.6   2,694.6   2,697.5   2,694.8   2,719.0   2,744.6       2,759.6   2,749.6   2,757.6   2,777.7

  28  Residual (assets less liabilities) (8)               160.6     160.7     158.8     163.4     163.0     163.5     167.3     173.3         169.9     171.5     167.0     165.3




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

  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                                                                                                                          February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          642.7     671.0     642.0     621.7     621.3     624.1     625.3     621.1         625.4     626.9     633.2     643.0

  2     Securities in bank credit                          268.8     289.4     266.3     264.6     268.9     271.3     269.8     272.8         272.4     274.8     273.2     274.2
  3        Treasury and Agency securities (2)              108.0     123.6     114.2     107.5     109.0     105.1      98.6      99.0          95.4      97.1      98.0      99.1
  4        Other securities                                160.8     165.8     152.1     157.1     159.9     166.2     171.2     173.7         177.0     177.7     175.2     175.2

  5     Loans and leases in bank credit (3)                373.9     381.6     375.7     357.1     352.4     352.8     355.5     348.3         353.0     352.1     360.0     368.8
  6        Commercial and industrial                       177.9     160.8     156.0     150.4     146.4     142.0     136.9     143.9         146.1     146.8     147.4     147.5
  7        Real estate                                      19.5      19.5      19.1      18.1      18.2      21.8      21.3      15.5          12.7      12.6      12.6      12.7
  11       Security (4)                                    109.4     118.3     115.5     108.6     110.8     112.6     121.5     107.6         103.7     102.4     110.1     118.0
  12       Other loans and leases                           67.0      83.0      85.1      79.9      76.9      76.4      75.9      81.4          90.5      90.3      89.8      90.6

  13  Interbank loans                                       30.1      30.7      33.2      32.5      30.8      29.4      29.7      25.1          28.6      28.6      28.3      26.6

  14  Cash assets (5)                                       43.8      54.3      54.5      55.7      55.4      52.5      50.5      50.1          50.7      55.0      54.9      54.5

  15  Other assets (6)                                      30.1      36.7      35.1      41.9      38.9      41.1      38.8      39.2          43.5      40.7      37.2      41.0

  16  TOTAL ASSETS (7)                                     746.3     792.3     764.4     751.4     746.0     746.6     743.9     735.1         747.8     750.7     753.2     764.7

            L I A B I L I T I E S

  17  Deposits                                             424.6     442.6     453.8     456.5     452.9     440.2     436.6     435.2         446.0     456.3     454.3     453.8
  18    Transaction                                          9.2      11.4      12.4      14.5      15.1      14.8      15.5      15.4          15.9      16.7      17.9      17.7
  19    Nontransaction                                     415.4     431.2     441.5     442.0     437.8     425.5     421.1     419.8         430.1     439.6     436.4     436.1

  22  Borrowings                                           283.0     314.6     291.1     290.3     290.7     301.6     295.3     308.9         313.8     322.8     321.1     334.1
  23    From banks in the U.S.                              30.0      34.7      36.8      34.1      33.9      36.0      32.2      40.4          36.9      39.1      32.6      41.0
  24    From others                                        253.0     279.9     254.3     256.2     256.9     265.6     263.2     268.5         277.0     283.6     288.5     293.1

  25  Net due to related foreign offices                   -59.8     -82.0     -86.2    -103.8     -99.8     -94.0     -88.8    -109.0        -116.9    -133.5    -130.3    -135.8

  26  Other liabilities                                     97.0     113.7     109.1     116.1     110.3     110.9     107.5      99.9          97.2     100.1     100.3      99.4

  27  TOTAL LIABILITIES                                    744.8     788.8     767.8     759.1     754.1     758.7     750.7     735.0         740.2     745.6     745.4     751.4

  28  Residual (assets less liabilities) (8)                 1.5       3.5      -3.5      -7.7      -8.1     -12.0      -6.8       0.2           7.6       5.1       7.8      13.3



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

  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                                                                                                                      February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          652.7     667.6     634.7     615.3     617.2     623.6     628.8     631.2         631.4     637.4     642.7     651.3

  2     Securities in bank credit (2)                      268.8     289.4     266.3     264.6     268.9     271.3     269.8     272.8         272.4     274.8     273.2     274.2
  3        Treasury and Agency securities                  108.0     123.6     114.2     107.5     109.0     105.1      98.6      99.0          95.4      97.1      98.0      99.1
  3a         Trading account                                30.6      42.5      39.9      38.8      39.8      38.6      32.8      34.9          31.3      32.3      33.6      34.0
  3b         Investment account                             77.4      81.1      74.3      68.7      69.2      66.5      65.9      64.2          64.1      64.8      64.4      65.1
  4        Other securities                                160.8     165.8     152.1     157.1     159.9     166.2     171.2     173.7         177.0     177.7     175.2     175.2
  4a         Trading account                               101.4     107.8      98.0     102.4     105.6     104.8     105.0     104.8         104.9     106.8     105.0     106.5
  4b         Investment account                             59.4      58.0      54.1      54.7      54.3      61.4      66.2      69.0          72.2      71.0      70.2      68.7

  5     Loans and leases in bank credit (3)                383.9     378.2     368.4     350.7     348.3     352.3     359.1     358.4         359.0     362.5     369.5     377.0
  6        Commercial and industrial                       179.4     160.3     155.1     149.3     146.3     142.0     137.9     145.1         146.9     146.8     147.2     147.0
  7        Real estate                                      19.5      19.5      19.1      18.1      18.2      21.8      21.3      15.5          12.7      12.6      12.6      12.7
  11       Security (4)                                    116.0     115.9     110.8     104.7     107.4     112.7     123.9     114.0         106.9     111.4     119.3     126.5
  12       Other loans and leases                           69.0      82.6      83.3      78.6      76.3      75.7      76.0      83.9          92.5      91.7      90.4      90.8

  13  Interbank loans                                       30.1      30.7      33.2      32.5      30.8      29.4      29.7      25.1          28.6      28.6      28.3      26.6

  14  Cash assets (5)                                       47.0      51.8      51.6      53.4      55.0      53.7      53.4      53.7          54.5      59.4      59.4      58.2

  15  Other assets (6)                                      31.0      35.3      33.9      41.3      38.9      40.6      38.7      40.4          45.1      42.8      38.2      42.1

  16  TOTAL ASSETS (7)                                     760.3     784.9     752.9     742.1     741.6     746.8     750.2     750.0         759.1     767.7     768.1     777.8

            L I A B I L I T I E S

  17  Deposits                                             435.4     440.8     444.1     441.0     436.5     429.1     437.0     446.7         460.6     473.8     471.7     473.1
  18    Transaction                                         10.0      11.0      12.3      14.1      15.4      15.1      16.0      16.7          16.6      17.4      18.4      17.9
  19    Nontransaction                                     425.4     429.7     431.8     426.9     421.1     413.9     420.9     430.0         444.0     456.4     453.3     455.2

  22  Borrowings                                           283.0     314.6     291.1     290.3     290.7     301.6     295.3     308.9         313.8     322.8     321.1     334.1
  23    From banks in the U.S.                              30.0      34.7      36.8      34.1      33.9      36.0      32.2      40.4          36.9      39.1      32.6      41.0
  24    From others                                        253.0     279.9     254.3     256.2     256.9     265.6     263.2     268.5         277.0     283.6     288.5     293.1

  25  Net due to related foreign offices                   -58.1     -83.9     -89.5    -105.1     -98.5     -95.2     -89.9    -107.9        -115.3    -131.8    -128.2    -132.9

  26  Other liabilities                                     98.1     112.1     106.4     114.9     111.4     109.9     106.5     101.0          98.7     101.6     102.2     102.2

  27  TOTAL LIABILITIES                                    758.4     783.6     752.2     741.0     740.1     745.4     749.0     748.7         757.8     766.4     766.8     776.5

  28  Residual (assets less liabilities) (8)                 1.9       1.3       0.7       1.1       1.4       1.4       1.3       1.3           1.3       1.3       1.3       1.3







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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars                                                                                                                      February 6, 2004


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec          Jan 7    Jan 14    Jan 21    Jan 28 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)             112.5     129.8     107.9      93.1     112.5     114.1     112.4     120.2         121.2     132.6     129.5     122.8

  30  Reval. losses on off-bal. sheet items (9)             93.8     110.1      85.4      79.4      96.0      97.3      94.5     103.9         106.7     117.6     113.7     107.6

  31  Mortgage-backed securities (10)                      369.0     441.1     416.9     391.6     377.2     392.0     409.3     407.2         401.2     400.3     409.7     412.9
  31a   Pass-through                                       268.3     327.5     304.1     276.4     264.8     280.9     294.2     290.0         282.5     281.3     291.0     295.1
  31b   CMO, REMIC, and other                              100.6     113.6     112.8     115.2     112.3     111.1     115.2     117.2         118.6     118.9     118.7     117.7

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                  10.3      12.7       6.5       1.1       4.8       2.2       1.9       3.2           4.6       5.6       5.6       3.9

  33  Offshore credit to U.S. residents (12)                18.7      16.6      15.5      14.7      14.3      13.8      13.5      13.3          12.9      13.7      13.7      13.7

  34  Securitized consumer loans (13)                      150.5     158.3     162.3     163.2     162.5     164.7     166.0     167.0         168.6     168.5     168.4     169.3
  34a   Credit card and related plans                      133.2     140.6     144.0     144.5     144.3     146.8     147.5     148.0         149.6     149.6     149.6     150.5
  34b   Other                                               17.3      17.7      18.3      18.7      18.2      18.0      18.6      18.9          19.0      18.9      18.8      18.8

  35  Securitized business loans (13)                       11.1       9.9       8.4       7.2       7.9       8.0       7.5       7.2           7.2       7.2       7.2       7.2


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      305.4     332.6     328.3     327.2     325.7     324.5     330.4     337.9         339.2     336.5     336.9     331.3

  34  Securitized consumer loans (13)                      200.9     204.0     200.6     201.9     203.0     204.7     203.1     203.7         206.6     206.1     204.8     204.9
  34a   Credit card and related plans                      192.5     196.3     193.0     194.3     195.5     197.2     195.3     195.8         198.5     197.9     196.7     196.7
  34b   Other                                                8.3       7.7       7.6       7.6       7.6       7.5       7.8       7.8           8.1       8.1       8.1       8.1


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              64.0      72.6      65.5      66.2      68.2      69.1      65.4      65.5          66.0      68.6      67.1      65.8

  30  Reval. losses on off-bal. sheet items (9)             60.1      72.6      64.9      64.7      66.6      67.7      66.2      66.7          67.8      70.0      68.8      67.2

  35  Securitized business loans (13)                        6.8       2.5       1.5       1.4       1.2       1.3       1.3       1.2           1.1       1.1       1.1       0.5











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                  February 6, 2004

  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. 
Release dates | Historical data | Notes on the Data | About
Current release   Other formats: Screen reader | ASCII | PDF (54 KB)

Statistical releases