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: March 12, 2004
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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                                                                                                                            March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,961.5   6,193.5   6,200.2   6,177.8   6,223.5   6,254.1   6,312.1   6,418.4       6,401.6   6,455.5   6,435.3   6,417.2

  2     Securities in bank credit                        1,761.5   1,790.7   1,795.3   1,814.8   1,846.3   1,856.7   1,857.9   1,928.4       1,891.5   1,959.2   1,954.1   1,943.3
  3        Treasury and Agency securities (2)            1,059.9   1,081.2   1,065.9   1,081.8   1,102.4   1,101.3   1,099.8   1,165.3       1,127.0   1,195.8   1,188.2   1,184.9
  4        Other securities                                701.6     709.5     729.4     733.0     743.9     755.5     758.0     763.1         764.5     763.5     765.9     758.4

  5     Loans and leases in bank credit (3)              4,199.9   4,402.8   4,404.9   4,363.0   4,377.1   4,397.4   4,454.3   4,489.9       4,510.2   4,496.3   4,481.2   4,473.9
  6        Commercial and industrial                       949.9     917.0     907.0     897.0     893.8     898.4     898.2     899.2         899.1     901.6     898.7     895.7
  7        Real estate                                   2,080.5   2,242.8   2,259.5   2,237.3   2,223.5   2,219.4   2,236.9   2,257.9       2,255.9   2,257.8   2,259.5   2,269.9
  8          Revolving home equity                         222.7     253.4     258.8     265.6     273.4     281.0     290.7     297.4         295.4     296.8     299.4     301.4
  9          Other                                       1,857.8   1,989.4   2,000.8   1,971.7   1,950.1   1,938.5   1,946.2   1,960.5       1,960.5   1,961.0   1,960.1   1,968.5
  10       Consumer                                        591.9     602.2     606.7     601.7     630.6     634.1     638.2     636.8         634.9     639.6     637.4     633.8
  11       Security (4)                                    177.5     203.3     198.7     206.2     212.3     196.5     213.1     220.5         237.0     219.4     213.6     206.8
  12       Other loans and leases                          400.1     437.4     433.0     420.8     416.9     449.0     467.9     475.6         483.3     478.0     472.0     467.7

  13  Interbank loans                                      304.8     325.4     304.4     321.0     297.5     288.8     305.1     330.3         355.8     359.8     291.0     287.0

  14  Cash assets (5)                                      311.3     343.2     329.9     313.5     322.9     306.5     319.0     326.0         326.9     342.7     307.2     332.4

  15  Other assets (6)                                     530.5     567.1     558.1     556.2     549.6     552.0     552.2     562.3         563.1     557.5     556.5     588.4

  16  TOTAL ASSETS (7)                                   7,031.5   7,353.2   7,316.8   7,293.5   7,318.3   7,325.0   7,414.0   7,563.5       7,574.2   7,642.0   7,516.5   7,551.5

            L I A B I L I T I E S

  17  Deposits                                           4,535.4   4,803.5   4,781.3   4,722.6   4,744.9   4,743.8   4,781.0   4,809.8       4,783.3   4,821.1   4,809.7   4,846.8
  18    Transaction                                        613.7     658.5     640.2     639.3     636.9     644.6     631.5     649.8         628.0     661.6     677.7     645.6
  19    Nontransaction                                   3,921.6   4,145.0   4,141.2   4,083.2   4,108.0   4,099.3   4,149.5   4,160.0       4,155.3   4,159.4   4,132.0   4,201.2
  20       Large time                                      995.2   1,023.4   1,029.5     996.3     988.5     992.3   1,021.9   1,026.4       1,018.7   1,023.8   1,032.4   1,037.8
  21       Other                                         2,926.4   3,121.6   3,111.6   3,087.0   3,119.5   3,107.0   3,127.6   3,133.6       3,136.6   3,135.7   3,099.6   3,163.4

  22  Borrowings                                         1,369.9   1,520.9   1,485.8   1,438.1   1,435.4   1,458.7   1,493.3   1,559.8       1,592.8   1,604.0   1,511.4   1,522.7
  23    From banks in the U.S.                             387.7     418.2     403.5     385.8     382.9     380.8     392.4     416.8         433.6     440.0     384.8     391.9
  24    From others                                        982.3   1,102.7   1,082.2   1,052.3   1,052.5   1,077.9   1,100.9   1,143.0       1,159.3   1,164.0   1,126.6   1,130.8

  25  Net due to related foreign offices                   141.4     123.9     127.6     163.0     175.0     144.6     132.3     107.1         110.1     112.4     103.9      92.5

  26  Other liabilities                                    444.6     402.7     416.9     427.3     410.0     416.4     432.9     465.4         464.7     482.6     468.0     454.3

  27  TOTAL LIABILITIES                                  6,491.2   6,851.0   6,811.6   6,750.9   6,765.3   6,763.6   6,839.6   6,942.1       6,950.9   7,020.1   6,893.0   6,916.2

  28  Residual (assets less liabilities) (8)               540.2     502.3     505.2     542.6     553.1     561.5     574.5     621.5         623.3     621.9     623.5     635.2



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 2
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                        March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,964.8   6,173.3   6,196.2   6,179.0   6,239.1   6,291.0   6,330.8   6,420.7       6,405.3   6,454.6   6,429.1   6,425.9

  2     Securities in bank credit                        1,770.7   1,783.3   1,794.0   1,812.6   1,850.0   1,864.1   1,869.8   1,939.1       1,901.6   1,970.0   1,962.9   1,955.5
  3        Treasury and Agency securities (2)            1,066.3   1,077.3   1,065.8   1,077.4   1,104.3   1,105.9   1,105.0   1,172.6       1,133.7   1,203.0   1,194.0   1,195.5
  4        Other securities                                704.4     706.0     728.2     735.1     745.7     758.2     764.8     766.5         767.9     767.0     769.0     760.1

  5     Loans and leases in bank credit (3)              4,194.0   4,390.0   4,402.2   4,366.4   4,389.2   4,426.9   4,461.0   4,481.6       4,503.7   4,484.6   4,466.2   4,470.4
  6        Commercial and industrial                       947.9     913.2     905.4     897.3     893.4     897.0     892.6     897.1         895.7     899.6     896.9     896.8
  7        Real estate                                   2,076.3   2,242.9   2,261.5   2,239.3   2,228.4   2,224.1   2,237.1   2,253.5       2,255.9   2,253.1   2,251.1   2,262.8
  8          Revolving home equity                         223.1     253.5     259.6     266.2     273.2     280.2     289.8     297.8         296.4     297.7     299.6     300.8
  9          Other                                       1,853.2   1,989.4   2,001.9   1,973.0   1,955.2   1,943.9   1,947.3   1,955.7       1,959.5   1,955.4   1,951.5   1,962.0
  10       Consumer                                        595.1     598.5     604.8     600.9     632.3     643.1     646.6     640.4         639.2     643.3     640.6     634.4
  10a        Credit card and related plans                 225.9     223.2     225.8     220.7     252.6     264.3     261.1     253.3         250.1     256.3     255.6     249.5
  10b        Other                                         369.2     375.3     379.0     380.2     379.7     378.9     385.4     387.1         389.1     387.0     384.9     384.8
  11       Security (4)                                    179.1     198.2     196.6     208.7     217.2     207.2     219.7     221.8         238.6     216.7     214.1     211.2
  12       Other loans and leases                          395.7     437.3     433.9     420.3     417.8     455.5     465.1     468.7         474.3     471.8     463.6     465.2

  13  Interbank loans                                      302.0     319.6     297.6     313.9     302.0     295.1     303.1     327.0         351.3     355.5     282.3     295.0

  14  Cash assets (5)                                      311.8     326.6     326.2     316.9     333.1     327.8     335.8     327.2         315.5     359.2     310.5     325.5

  15  Other assets (6)                                     527.9     563.5     562.0     555.9     553.3     557.3     556.3     559.7         562.0     552.5     549.1     590.5

  16  TOTAL ASSETS (7)                                   7,029.6   7,306.9   7,306.1   7,291.4   7,352.6   7,394.8   7,451.7   7,560.7       7,560.4   7,648.0   7,497.3   7,562.8

            L I A B I L I T I E S

  17  Deposits                                           4,556.3   4,753.5   4,745.2   4,707.2   4,760.6   4,796.0   4,804.7   4,831.9       4,804.6   4,850.6   4,817.1   4,879.0
  18    Transaction                                        606.1     642.1     634.9     636.5     644.8     678.8     645.9     641.7         609.5     662.4     666.6     640.6
  19    Nontransaction                                   3,950.2   4,111.4   4,110.3   4,070.7   4,115.9   4,117.2   4,158.7   4,190.2       4,195.2   4,188.2   4,150.6   4,238.4
  20       Large time                                    1,005.8   1,007.3   1,010.5     986.3     992.2   1,005.2   1,039.6   1,037.7       1,034.1   1,032.6   1,041.8   1,044.8
  21       Other                                         2,944.3   3,104.1   3,099.7   3,084.4   3,123.7   3,112.0   3,119.2   3,152.5       3,161.1   3,155.6   3,108.8   3,193.6

  22  Borrowings                                         1,372.1   1,500.9   1,483.9   1,441.2   1,437.5   1,457.6   1,507.6   1,561.9       1,592.7   1,610.8   1,506.4   1,523.8
  23    From banks in the U.S.                             391.2     413.6     396.8     384.4     380.1     382.4     396.6     420.4         436.7     445.0     386.7     396.3
  24    From others                                        981.0   1,087.3   1,087.1   1,056.8   1,057.4   1,075.2   1,111.0   1,141.5       1,156.0   1,165.8   1,119.7   1,127.5

  25  Net due to related foreign offices                   146.7     122.2     130.0     166.6     180.9     151.0     136.0     112.8         115.4     118.6     113.0      94.1

  26  Other liabilities                                    450.7     401.0     419.2     430.8     415.5     422.8     436.6     471.9         470.6     490.0     478.4     456.1

  27  TOTAL LIABILITIES                                  6,525.8   6,777.6   6,778.3   6,745.7   6,794.5   6,827.4   6,884.8   6,978.5       6,983.3   7,070.1   6,914.9   6,952.9

  28  Residual (assets less liabilities) (8)               503.8     529.3     527.8     545.7     558.0     567.4     566.9     582.2         577.1     577.9     582.4     609.9





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

  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                                                                                                                            March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,317.0   5,574.2   5,582.0   5,557.0   5,598.2   5,633.9   5,682.9   5,775.7       5,762.1   5,809.0   5,787.0   5,778.8

  2     Securities in bank credit                        1,482.4   1,527.5   1,527.8   1,545.1   1,576.5   1,586.0   1,592.6   1,659.0       1,618.5   1,691.6   1,686.9   1,672.8
  3        Treasury and Agency securities (2)              943.3     973.7     956.9     976.9   1,003.8   1,002.3   1,002.2   1,066.5       1,025.8   1,097.8   1,092.3   1,085.5
  4        Other securities                                539.1     553.8     570.9     568.3     572.7     583.8     590.4     592.5         592.7     593.8     594.6     587.3

  5     Loans and leases in bank credit (3)              3,834.7   4,046.8   4,054.2   4,011.9   4,021.6   4,047.9   4,090.3   4,116.7       4,143.7   4,117.4   4,100.1   4,106.0
  6        Commercial and industrial                       778.1     767.4     761.4     755.6     756.9     754.5     751.3     753.2         753.1     755.6     752.2     751.3
  7        Real estate                                   2,060.8   2,224.7   2,241.3   2,215.3   2,202.2   2,203.0   2,219.8   2,240.8       2,238.7   2,240.5   2,242.5   2,253.0
  8          Revolving home equity                         222.7     253.4     258.8     265.6     273.4     281.0     290.7     297.4         295.4     296.8     299.4     301.4
  9          Other                                       1,838.1   1,971.3   1,982.5   1,949.7   1,928.8   1,922.0   1,929.0   1,943.4       1,943.3   1,943.7   1,943.1   1,951.6
  10       Consumer                                        591.9     602.2     606.7     601.7     630.6     634.1     638.2     636.8         634.9     639.6     637.4     633.8
  11       Security (4)                                     73.1      95.1      88.3      94.0      90.8      88.8     103.4     100.7         122.5      95.5      89.1      87.9
  12       Other loans and leases                          330.8     357.4     356.4     345.3     341.0     367.6     377.5     385.2         394.4     386.2     378.9     380.0

  13  Interbank loans                                      277.7     292.9     273.5     291.6     267.8     263.7     277.3     305.1         331.1     334.5     264.7     264.1

  14  Cash assets (5)                                      272.6     287.5     274.5     261.1     272.5     256.4     265.2     268.4         269.7     284.7     249.0     271.7

  15  Other assets (6)                                     497.2     526.4     520.2     515.8     510.8     512.7     510.9     526.0         527.5     520.7     521.5     553.3

  16  TOTAL ASSETS (7)                                   6,288.4   6,605.5   6,574.9   6,551.1   6,574.5   6,590.7   6,662.4   6,802.2       6,817.6   6,875.8   6,749.2   6,794.8

            L I A B I L I T I E S

  17  Deposits                                           4,092.5   4,347.0   4,328.4   4,282.4   4,308.3   4,308.4   4,326.5   4,338.7       4,315.6   4,349.8   4,335.6   4,367.9
  18    Transaction                                        603.5     644.0     625.0     624.5     621.4     628.9     613.6     631.9         610.5     644.3     659.4     627.4
  19    Nontransaction                                   3,489.0   3,703.0   3,703.4   3,657.9   3,686.9   3,679.4   3,713.0   3,706.8       3,705.1   3,705.5   3,676.3   3,740.5
  20       Large time                                      583.5     591.1     595.4     573.6     570.3     574.7     591.8     582.0         577.0     580.6     584.4     585.6
  21       Other                                         2,905.5   3,111.9   3,108.0   3,084.3   3,116.6   3,104.7   3,121.2   3,124.9       3,128.1   3,124.9   3,091.9   3,154.9

  22  Borrowings                                         1,095.0   1,230.6   1,195.6   1,139.1   1,140.0   1,150.4   1,171.9   1,227.1       1,265.1   1,269.0   1,181.1   1,179.1
  23    From banks in the U.S.                             356.6     384.1     369.7     349.8     350.7     340.4     354.6     376.5         394.7     400.4     345.1     348.0
  24    From others                                        738.4     846.5     825.9     789.3     789.3     810.0     817.3     850.7         870.5     868.6     836.0     831.1

  25  Net due to related foreign offices                   222.7     230.3     230.2     258.5     263.7     254.2     264.1     259.5         262.3     263.3     253.8     260.2

  26  Other liabilities                                    345.0     286.6     306.6     316.5     302.6     316.4     333.5     362.6         358.2     379.2     365.5     355.6

  27  TOTAL LIABILITIES                                  5,755.1   6,094.6   6,060.9   5,996.5   6,014.6   6,029.4   6,096.0   6,187.9       6,201.3   6,261.3   6,136.1   6,162.8

  28  Residual (assets less liabilities) (8)               533.3     510.9     514.0     554.7     559.8     561.3     566.3     614.3         616.3     614.5     613.1     632.0



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

  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                                                                                                                        March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,316.0   5,560.5   5,582.0   5,558.7   5,610.3   5,660.7   5,693.1   5,773.6       5,758.6   5,806.5   5,777.7   5,783.8

  2     Securities in bank credit                        1,491.6   1,520.0   1,526.5   1,542.9   1,580.2   1,593.4   1,604.6   1,669.7       1,628.6   1,702.3   1,695.8   1,685.0
  3        Treasury and Agency securities (2)              949.6     969.7     956.8     972.5   1,005.7   1,006.9   1,007.4   1,073.9       1,032.5   1,105.1   1,098.1   1,096.0
  4        Other securities                                541.9     550.3     569.7     570.4     574.5     586.5     597.2     595.9         596.1     597.3     597.7     589.0

  5     Loans and leases in bank credit (3)              3,824.5   4,040.4   4,055.5   4,015.8   4,030.1   4,067.3   4,088.4   4,103.8       4,130.0   4,104.2   4,081.9   4,098.8
  6        Commercial and industrial                       774.7     764.8     759.9     755.8     755.5     751.9     745.7     749.9         748.7     752.1     749.0     750.7
  7        Real estate                                   2,056.6   2,224.7   2,243.3   2,217.3   2,207.2   2,207.6   2,220.0   2,236.4       2,238.6   2,235.8   2,234.1   2,245.9
  8          Revolving home equity                         223.1     253.5     259.6     266.2     273.2     280.2     289.8     297.8         296.4     297.7     299.6     300.8
  9          Other                                       1,833.5   1,971.2   1,983.7   1,951.0   1,933.9   1,927.4   1,930.2   1,938.6       1,942.3   1,938.1   1,934.5   1,945.1
  10       Consumer                                        595.1     598.5     604.8     600.9     632.3     643.1     646.6     640.4         639.2     643.3     640.6     634.4
  10a        Credit card and related plans                 225.9     223.2     225.8     220.7     252.6     264.3     261.1     253.3         250.1     256.3     255.6     249.5
  10d        Other                                         369.2     375.3     379.0     380.2     379.7     378.9     385.4     387.1         389.1     387.0     384.9     384.8
  11       Security (4)                                     72.0      93.9      89.6      96.5      93.3      93.1     102.4      98.9         118.3      92.9      87.4      91.5
  12       Other loans and leases                          326.2     358.5     358.0     345.4     341.8     371.5     373.7     378.2         385.2     380.1     370.8     376.4

  13  Interbank loans                                      275.0     287.0     266.7     284.5     272.3     270.0     275.3     301.8         326.6     330.2     256.0     272.0

  14  Cash assets (5)                                      272.1     273.1     271.2     263.2     279.6     274.1     278.0     268.0         256.1     299.5     251.6     265.2

  15  Other assets (6)                                     494.1     523.4     524.2     516.2     514.6     516.8     513.5     522.8         525.4     515.7     514.0     554.3

  16  TOTAL ASSETS (7)                                   6,280.7   6,568.4   6,568.7   6,548.8   6,602.3   6,645.6   6,686.1   6,792.8       6,793.5   6,878.6   6,726.0   6,801.7

            L I A B I L I T I E S

  17  Deposits                                           4,103.3   4,312.5   4,308.6   4,278.1   4,323.7   4,349.0   4,333.0   4,350.2       4,323.0   4,370.9   4,333.4   4,395.1
  18    Transaction                                        595.8     628.0     619.4     621.3     628.7     661.8     627.5     623.8         592.1     644.8     648.2     622.9
  19    Nontransaction                                   3,507.4   3,684.6   3,689.2   3,656.8   3,694.9   3,687.2   3,705.6   3,726.4       3,730.9   3,726.1   3,685.1   3,772.2
  20       Large time                                      584.4     589.7     592.9     575.0     574.1     577.5     593.1     582.9         578.6     581.5     584.2     587.2
  21       Other                                         2,923.0   3,094.8   3,096.3   3,081.8   3,120.8   3,109.7   3,112.5   3,143.5       3,152.4   3,144.6   3,100.9   3,185.0

  22  Borrowings                                         1,097.1   1,210.6   1,193.8   1,142.1   1,142.2   1,149.3   1,186.2   1,229.3       1,265.0   1,275.8   1,176.1   1,180.2
  23    From banks in the U.S.                             360.1     379.6     363.0     348.4     347.9     342.0     358.8     380.1         397.8     405.5     347.0     352.4
  24    From others                                        737.1     831.0     830.8     793.7     794.3     807.3     827.4     849.2         867.2     870.4     829.1     827.8

  25  Net due to related foreign offices                   226.9     230.0     231.3     263.2     270.8     259.4     265.8     264.3         266.7     269.1     261.2     261.2

  26  Other liabilities                                    350.2     286.2     307.9     321.0     309.0     321.8     335.5     368.2         363.1     386.2     374.3     356.7

  27  TOTAL LIABILITIES                                  5,777.5   6,039.4   6,041.6   6,004.5   6,045.6   6,079.5   6,120.5   6,212.0       6,217.8   6,302.0   6,144.9   6,193.1

  28  Residual (assets less liabilities) (8)               503.2     529.0     527.1     544.3     556.8     566.1     565.6     580.9         575.8     576.6     581.0     608.6






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

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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                                                                                                      March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,990.1   3,109.1   3,116.0   3,089.5   3,105.6   3,117.7   3,143.6   3,219.8       3,211.9   3,249.1   3,226.7   3,219.6

  2     Securities in bank credit                          819.1     826.5     829.9     842.7     867.6     871.6     876.7     941.5         903.4     974.5     966.6     952.4
  3        Treasury and Agency securities (2)              487.2     476.4     463.6     480.6     502.4     496.7     495.7     558.5         518.7     591.6     581.9     574.5
  3a         Trading account                                54.5      34.7      38.1      33.8      40.4      39.4      40.6      45.9          51.9      45.1      42.8      40.7
  3b         Investment account                            432.7     441.6     425.5     446.8     462.0     457.3     455.1     512.7         466.8     546.5     539.0     533.8
  4        Other securities                                331.9     350.1     366.3     362.1     365.3     374.8     381.0     383.0         384.6     382.9     384.7     377.9
  4a         Trading account                               178.8     168.0     184.6     187.3     189.2     195.2     197.9     200.2         201.6     200.4     202.2     193.7
  4b         Investment account                            153.1     182.1     181.7     174.9     176.1     179.6     183.1     182.8         183.0     182.5     182.5     184.2
  4c           State and local government                   29.6      31.4      31.5      31.5      31.7      31.7      31.8      32.4          32.2      32.1      32.8      33.0
  4d           Other                                       123.5     150.7     150.3     143.4     144.4     147.9     151.3     150.4         150.8     150.4     149.7     151.2

  5     Loans and leases in bank credit (3)              2,171.1   2,282.6   2,286.2   2,246.7   2,238.0   2,246.2   2,266.9   2,278.3       2,308.6   2,274.6   2,260.1   2,267.2
  6        Commercial and industrial                       487.9     466.3     457.9     452.1     449.9     446.8     437.8     437.8         438.3     440.0     436.4     435.1
  7        Real estate                                   1,050.9   1,144.9   1,160.8   1,135.7   1,116.5   1,109.0   1,116.3   1,126.4       1,125.9   1,125.2   1,126.1   1,135.2
  8          Revolving home equity                         146.5     168.5     173.0     178.3     184.1     189.3     196.8     201.3         199.8     200.6     202.5     204.7
  9          Other                                         904.4     976.4     987.9     957.4     932.4     919.8     919.4     925.2         926.1     924.6     923.5     930.6
  10       Consumer                                        335.6     329.8     332.3     329.5     347.4     341.7     340.6     338.3         337.5     339.2     338.7     337.8
  11       Security (4)                                     65.6      86.8      80.4      86.3      83.4      81.4      95.7      92.7         114.5      87.1      81.6      80.5
  11a        Fed funds and RPs with broker/dealer           54.9      67.6      62.8      68.1      65.7      63.1      76.6      72.6          94.8      64.4      61.8      62.5
  11b        Other                                          10.8      19.2      17.6      18.2      17.8      18.3      19.1      20.1          19.7      22.7      19.8      18.0
  12a      State and local government                       12.5      13.5      13.7      13.9      14.1      14.1      14.1      14.2          14.2      14.2      14.2      14.2
  12b      Agricultural                                      9.1       8.5       8.6       8.6       8.5       8.5       8.3       8.2           8.2       8.2       8.2       8.2
  12c      Fed funds and RPs with others                    24.5      25.6      28.0      26.1      26.1      29.5      27.1      32.5          39.2      33.4      28.9      28.6
  12d      All other loans                                  76.1      99.1      96.7      89.2      87.6     112.4     128.1     129.5         131.9     128.9     127.5     128.8
  12e      Lease financing receivables                     108.9     108.1     107.7     105.5     104.4     102.7      99.0      98.7          98.8      98.5      98.6      98.7

  13  Interbank loans                                      178.4     195.7     180.7     198.8     179.9     178.0     183.4     209.8         233.6     233.0     175.9     177.7
  13a   Fed funds and RPs with banks                       105.5     114.2     110.1     118.0     101.7      98.2      93.3     103.1         112.2     112.7      90.5      93.0
  13b   Other                                               72.9      81.5      70.5      80.8      78.3      79.8      90.0     106.7         121.4     120.3      85.4      84.7

  14  Cash assets (5)                                      158.8     161.0     153.5     141.8     154.2     142.5     149.0     148.8         145.6     166.0     133.1     153.8

  15  Other assets (6)                                     357.0     370.9     361.5     360.9     355.5     351.6     353.8     360.6         360.1     363.2     361.0     362.9

  16  TOTAL ASSETS (7)                                   3,638.5   3,791.5   3,766.8   3,746.8   3,751.2   3,745.2   3,787.3   3,897.7       3,909.9   3,969.9   3,855.3   3,872.4



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

  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)                                                                                          March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           2,059.7   2,194.9   2,180.2   2,142.5   2,159.3   2,164.5   2,166.3   2,177.9       2,153.7   2,181.9   2,181.7   2,213.5
  18    Transaction                                        296.1     309.4     296.0     293.1     292.7     296.7     288.7     297.4         284.7     307.8     315.6     285.6
  19    Nontransaction                                   1,763.7   1,885.5   1,884.1   1,849.4   1,866.7   1,867.8   1,877.6   1,880.5       1,869.0   1,874.1   1,866.0   1,927.9
  20       Large time                                      275.9     276.4     279.4     259.2     253.1     253.9     264.9     256.3         250.7     256.3     258.2     259.0
  21       Other                                         1,487.8   1,609.1   1,604.7   1,590.2   1,613.6   1,613.9   1,612.7   1,624.2       1,618.3   1,617.7   1,607.8   1,668.9

  22  Borrowings                                           706.2     801.6     765.0     709.3     707.6     711.7     721.7     774.2         812.7     813.9     726.9     733.2
  23    From banks in the U.S.                             203.3     217.3     208.3     193.3     190.1     176.3     180.9     200.5         213.3     217.7     176.8     183.3
  24    From others                                        502.9     584.3     556.7     516.0     517.4     535.3     540.8     573.7         599.4     596.3     550.2     549.9

  25  Net due to related foreign offices                   210.2     218.3     216.2     245.0     249.1     233.6     240.8     234.9         237.7     237.0     230.2     236.6

  26  Other liabilities                                    273.0     213.4     236.5     247.4     232.1     243.1     260.9     286.7         281.3     305.1     289.4     276.5

  27  TOTAL LIABILITIES                                  3,249.1   3,428.2   3,397.9   3,344.2   3,348.0   3,353.0   3,389.7   3,473.9       3,485.4   3,537.9   3,428.3   3,459.9

  28  Residual (assets less liabilities) (8)               389.5     363.3     368.9     402.6     403.1     392.2     397.7     423.9         424.5     431.9     427.0     412.5



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

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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                                                                                                  March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,992.2   3,098.5   3,113.9   3,089.3   3,114.7   3,133.1   3,151.2   3,220.6       3,209.3   3,251.3   3,221.8   3,228.2

  2     Securities in bank credit                          827.4     820.8     828.5     842.9     872.6     877.3     886.7     951.3         911.5     985.1     974.9     964.0
  3        Treasury and Agency securities (2)              492.7     474.2     463.3     478.6     505.5     499.6     499.0     565.0         523.4     598.7     587.2     584.4
  3a         Trading account                                55.1      34.6      38.1      33.7      40.7      39.6      40.9      46.4          52.4      45.6      43.2      41.4
  3b         Investment account                            437.6     439.6     425.2     445.0     464.8     460.0     458.1     518.6         471.0     553.1     543.9     543.0
  3c           Mortgage-backed                             338.3     342.6     327.5     342.6     358.4     353.8     351.5     407.6         358.9     440.1     433.5     436.4
  3d           Other                                        99.3      97.0      97.7     102.4     106.4     106.2     106.6     110.9         112.1     112.9     110.4     106.6
  3e             1 year or less                             23.0      24.5      24.1      24.9      25.3      25.9      24.7      23.9          24.1      24.0      24.3      23.1
  3f             Between 1 and 5 years                      57.6      52.8      53.1      56.8      58.1      57.7      58.5      62.2          61.6      64.9      62.4      59.5
  3g             More than 5 years                          18.7      19.8      20.5      20.7      23.1      22.6      23.4      24.8          26.5      24.0      23.8      24.0
  4        Other securities                                334.7     346.6     365.2     364.3     367.1     377.6     387.7     386.3         388.1     386.4     387.8     379.5
  4a         Trading account                               180.3     166.4     184.0     188.4     190.1     196.7     201.4     201.9         203.4     202.2     203.8     194.5
  4b         Investment account                            154.4     180.3     181.1     175.9     177.0     181.0     186.3     184.4         184.6     184.2     183.9     185.0
  4c           State and local government                   29.8      31.1      31.4      31.7      31.8      31.9      32.4      32.7          32.5      32.4      33.1      33.1
  4d           Other                                       124.6     149.2     149.8     144.2     145.1     149.0     154.0     151.7         152.2     151.8     150.9     151.9

  5     Loans and leases in bank credit (3)              2,164.8   2,277.7   2,285.5   2,246.4   2,242.1   2,255.8   2,264.4   2,269.3       2,297.8   2,266.2   2,246.9   2,264.3
  6        Commercial and industrial                       485.9     464.9     458.1     452.6     450.1     444.4     433.7     436.0         435.6     438.1     434.5     435.4
  7        Real estate                                   1,046.6   1,145.8   1,162.2   1,136.5   1,119.5   1,110.2   1,114.8   1,122.0       1,124.7   1,120.9   1,118.2   1,129.1
  8          Revolving home equity                         146.8     169.0     173.5     178.6     183.7     188.1     195.6     201.6         200.5     201.6     202.8     204.1
  9a         Other residential                             568.6     648.5     659.8     628.6     605.4     593.6     591.9     590.7         595.6     589.7     584.5     594.2
  9b         Commercial                                    331.2     328.3     328.9     329.2     330.3     328.4     327.3     329.7         328.7     329.6     330.9     330.9
  10       Consumer                                        338.8     327.2     328.6     325.5     345.6     344.9     345.9     341.9         341.4     342.9     342.0     340.2
  10a        Credit card and related plans                 115.4     103.6     103.1      98.7     120.9     123.5     120.8     115.3         114.1     116.3     116.0     114.1
  10f        Other                                         223.4     223.7     225.5     226.8     224.8     221.4     225.1     226.6         227.3     226.7     226.0     226.0
  11       Security (4)                                     64.6      85.6      81.7      88.8      85.7      85.6      95.0      91.0         110.4      84.6      80.1      83.7
  11a        Fed funds and RPs with broker/dealer           54.0      66.7      63.9      70.1      67.4      66.4      76.1      71.3          91.4      62.6      60.7      65.0
  11b        Other                                          10.6      19.0      17.9      18.7      18.2      19.2      19.0      19.7          19.0      22.0      19.4      18.7
  12a      State and local government                       12.5      13.5      13.7      13.9      14.1      14.1      14.1      14.2          14.2      14.2      14.2      14.2
  12b      Agricultural                                      9.0       8.6       8.5       8.5       8.4       8.5       8.3       8.2           8.2       8.2       8.1       8.2
  12c      Fed funds and RPs with others                    24.5      25.6      28.0      26.1      26.1      29.5      27.1      32.5          39.2      33.4      28.9      28.6
  12d      All other loans                                  72.8      99.4      98.3      89.5      88.6     115.8     124.9     123.7         124.1     124.3     121.1     125.2
  12e      Lease financing receivables                     110.1     107.1     106.3     105.0     104.0     102.9     100.6      99.8         100.0      99.7      99.7      99.7

  13  Interbank loans                                      176.6     190.6     175.3     192.9     181.3     182.1     186.8     207.5         230.1     231.1     170.0     179.2
  13a   Fed funds and RPs with banks                       104.6     111.5     107.0     114.7     102.4     100.3      95.1     101.9         110.5     111.8      87.4      93.8
  13b   Other                                               72.1      79.1      68.2      78.2      78.9      81.8      91.7     105.5         119.5     119.3      82.5      85.4

  14  Cash assets (5)                                      158.8     151.3     150.6     143.4     157.1     153.2     157.7     149.0         138.0     176.6     134.6     148.7

  15  Other assets (6)                                     353.9     367.9     365.4     361.2     359.3     355.6     356.4     357.5         358.0     358.1     353.4     364.0

  16  TOTAL ASSETS (7)                                   3,635.3   3,763.0   3,760.3   3,743.3   3,768.6   3,779.4   3,809.9   3,892.7       3,893.6   3,975.5   3,838.1   3,878.0

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

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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)                                                                                      March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           2,063.7   2,178.5   2,171.7   2,140.2   2,166.3   2,180.8   2,166.4   2,182.7       2,154.9   2,194.3   2,178.3   2,228.6
  18    Transaction                                        291.7     297.2     291.3     290.1     296.4     317.3     297.5     292.9         273.2     310.2     309.6     282.1
  19    Nontransaction                                   1,772.0   1,881.3   1,880.4   1,850.0   1,869.9   1,863.5   1,868.9   1,889.8       1,881.7   1,884.1   1,868.7   1,946.5
  20       Large time                                      276.9     275.0     276.9     260.6     256.9     256.7     266.2     257.2         252.3     257.2     258.0     260.6
  21       Other                                         1,495.1   1,606.3   1,603.5   1,589.4   1,613.1   1,606.8   1,602.7   1,632.6       1,629.4   1,626.9   1,610.7   1,685.9

  22  Borrowings                                           708.4     781.6     763.2     712.3     709.7     710.6     736.0     776.4         812.5     820.7     721.9     734.3
  23    From banks in the U.S.                             206.8     212.8     201.6     191.9     187.3     178.0     185.1     204.1         216.4     222.7     178.6     187.7
  24    From others                                        501.6     568.9     561.6     520.5     522.4     532.6     550.9     572.2         596.1     598.0     543.3     546.6

  25  Net due to related foreign offices                   214.3     218.0     217.3     249.7     256.1     238.9     242.5     239.7         242.0     242.7     237.6     237.6

  26  Other liabilities                                    278.2     213.0     237.7     251.9     238.5     248.5     262.8     292.4         286.2     312.2     298.2     277.6

  27  TOTAL LIABILITIES                                  3,264.7   3,391.1   3,389.9   3,354.2   3,370.6   3,378.7   3,407.7   3,491.2       3,495.6   3,570.0   3,436.0   3,478.1

  28  Residual (assets less liabilities) (8)               370.6     371.9     370.4     389.1     398.0     400.7     402.2     401.5         398.0     405.5     402.1     399.8













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

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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                                                                                                      March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,326.9   2,465.1   2,465.9   2,467.6   2,492.6   2,516.2   2,539.3   2,555.9       2,550.2   2,559.9   2,560.4   2,559.2

  2     Securities in bank credit                          663.3     701.0     697.9     702.4     708.9     714.4     715.9     717.5         715.1     717.1     720.3     720.4
  3        Treasury and Agency securities (2)              456.1     497.3     493.4     496.2     501.4     505.5     506.5     508.0         507.0     506.2     510.4     511.0
  4        Other securities                                207.2     203.7     204.5     206.1     207.5     208.9     209.5     209.6         208.1     210.9     209.9     209.4

  5     Loans and leases in bank credit (3)              1,663.6   1,764.2   1,768.0   1,765.2   1,783.7   1,801.7   1,823.4   1,838.4       1,835.1   1,842.8   1,840.0   1,838.8
  6        Commercial and industrial                       290.2     301.1     303.5     303.5     307.0     307.7     313.5     315.4         314.8     315.6     315.8     316.2
  7        Real estate                                   1,009.9   1,079.8   1,080.4   1,079.7   1,085.7   1,093.9   1,103.5   1,114.3       1,112.8   1,115.3   1,116.4   1,117.8
  8          Revolving home equity                          76.2      84.9      85.8      87.3      89.3      91.7      93.9      96.1          95.6      96.1      96.8      96.8
  9          Other                                         933.7     994.9     994.7     992.4     996.4   1,002.2   1,009.6   1,018.2       1,017.1   1,019.2   1,019.6   1,021.0
  10       Consumer                                        256.3     272.4     274.4     272.2     283.2     292.4     297.6     298.5         297.4     300.4     298.7     296.0
  11       Security (4)                                      7.5       8.3       7.9       7.7       7.4       7.4       7.7       7.9           8.0       8.5       7.5       7.4
  12       Other loans and leases                           99.7     102.6     101.7     102.0     100.3     100.4     101.0     102.2         102.1     103.0     101.5     101.4

  13  Interbank loans                                       99.3      97.2      92.9      92.9      87.8      85.7      93.9      95.3          97.5     101.5      88.9      86.4

  14  Cash assets (5)                                      113.8     126.5     121.1     119.3     118.3     113.9     116.2     119.5         124.2     118.7     115.8     117.9

  15  Other assets (6)                                     140.1     155.5     158.7     155.0     155.3     161.1     157.1     165.4         167.4     157.6     160.5     190.3

  16  TOTAL ASSETS (7)                                   2,649.9   2,814.0   2,808.1   2,804.4   2,823.3   2,845.5   2,875.0   2,904.5       2,907.7   2,906.0   2,893.9   2,922.4

            L I A B I L I T I E S

  17  Deposits                                           2,032.8   2,152.1   2,148.3   2,139.9   2,149.0   2,143.9   2,160.3   2,160.8       2,161.9   2,168.0   2,154.0   2,154.4
  18    Transaction                                        307.4     334.6     329.0     331.4     328.7     332.2     324.9     334.4         325.8     336.5     343.7     341.8
  19    Nontransaction                                   1,725.3   1,817.5   1,819.3   1,808.5   1,820.2   1,811.7   1,835.4   1,826.3       1,836.1   1,831.5   1,810.2   1,812.6
  20       Large time                                      307.5     314.7     316.0     314.4     317.2     320.8     326.9     325.7         326.3     324.3     326.2     326.6
  21       Other                                         1,417.8   1,502.8   1,503.3   1,494.1   1,503.0   1,490.8   1,508.5   1,500.7       1,509.8   1,507.2   1,484.1   1,486.0

  22  Borrowings                                           388.8     429.0     430.5     429.8     432.5     438.7     450.2     452.9         452.5     455.1     454.1     445.9
  23    From banks in the U.S.                             153.3     166.8     161.4     156.5     160.6     164.0     173.7     176.0         181.4     182.7     168.3     164.7
  24    From others                                        235.5     262.2     269.2     273.3     271.8     274.7     276.5     276.9         271.1     272.3     285.8     281.2

  25  Net due to related foreign offices                    12.6      12.0      14.1      13.5      14.6      20.6      23.3      24.6          24.7      26.3      23.6      23.6

  26  Other liabilities                                     72.0      73.2      70.1      69.1      70.5      73.3      72.6      75.8          76.9      74.0      76.1      79.0

  27  TOTAL LIABILITIES                                  2,506.1   2,666.4   2,663.0   2,652.3   2,666.6   2,676.5   2,706.4   2,714.1       2,715.9   2,723.4   2,707.8   2,702.9

  28  Residual (assets less liabilities) (8)               143.8     147.6     145.1     152.1     156.7     169.1     168.6     190.4         191.8     182.6     186.1     219.5



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

  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                                                                                                  March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,323.8   2,461.9   2,468.1   2,469.4   2,495.6   2,527.6   2,541.9   2,553.0       2,549.3   2,555.2   2,555.9   2,555.6

  2     Securities in bank credit                          664.1     699.2     698.0     700.0     707.6     716.1     717.9     718.5         717.1     717.2     720.9     721.0
  3        Treasury and Agency securities (2)              456.9     495.6     493.5     493.9     500.2     507.2     508.4     508.9         509.0     506.4     510.9     511.6
  4        Other securities                                207.2     203.7     204.5     206.1     207.5     208.9     209.5     209.6         208.1     210.9     209.9     209.4

  5     Loans and leases in bank credit (3)              1,659.7   1,762.7   1,770.1   1,769.4   1,788.0   1,811.5   1,824.0   1,834.5       1,832.2   1,838.0   1,835.0   1,834.6
  6        Commercial and industrial                       288.8     299.9     301.8     303.2     305.4     307.5     312.1     313.9         313.1     313.9     314.5     315.3
  7        Real estate                                   1,010.0   1,079.0   1,081.0   1,080.8   1,087.7   1,097.5   1,105.1   1,114.4       1,113.9   1,115.0   1,115.9   1,116.8
  8          Revolving home equity                          76.3      84.5      86.1      87.6      89.5      92.2      94.2      96.2          95.9      96.1      96.8      96.7
  9          Other                                         933.7     994.5     995.0     993.2     998.2   1,005.3   1,010.9   1,018.2       1,018.0   1,018.8   1,019.1   1,020.1
  10       Consumer                                        256.2     271.2     276.2     275.4     286.6     298.3     300.6     298.5         297.8     300.4     298.5     294.2
  10a        Credit card and related plans                 110.5     119.7     122.7     122.0     131.8     140.8     140.3     138.1         136.0     140.1     139.6     135.4
  10h        Other                                         145.8     151.6     153.5     153.4     154.9     157.5     160.3     160.4         161.8     160.3     158.9     158.8
  11       Security (4)                                      7.4       8.3       7.8       7.7       7.6       7.5       7.4       7.8           7.9       8.3       7.3       7.7
  12       Other loans and leases                           97.3     104.4     103.2     102.4     100.6     100.8      98.8      99.9          99.5     100.4      98.8     100.5

  13  Interbank loans                                       98.3      96.5      91.5      91.7      91.0      87.9      88.5      94.3          96.5      99.1      86.0      92.9

  14  Cash assets (5)                                      113.3     121.8     120.6     119.8     122.5     120.9     120.3     119.0         118.1     122.9     117.0     116.4

  15  Other assets (6)                                     140.1     155.5     158.7     155.0     155.3     161.1     157.1     165.4         167.4     157.6     160.5     190.3

  16  TOTAL ASSETS (7)                                   2,645.4   2,805.4   2,808.4   2,805.5   2,833.7   2,866.3   2,876.2   2,900.2       2,899.9   2,903.1   2,887.9   2,923.8

            L I A B I L I T I E S

  17  Deposits                                           2,039.5   2,134.0   2,136.9   2,138.0   2,157.3   2,168.3   2,166.7   2,167.5       2,168.1   2,176.6   2,155.1   2,166.5
  18    Transaction                                        304.1     330.8     328.2     331.2     332.4     344.5     330.0     330.9         318.8     334.6     338.7     340.8
  19    Nontransaction                                   1,735.4   1,803.3   1,808.8   1,806.8   1,825.0   1,823.8   1,836.7   1,836.5       1,849.3   1,842.0   1,816.4   1,825.7
  20       Large time                                      307.5     314.7     316.0     314.4     317.2     320.8     326.9     325.7         326.3     324.3     326.2     326.6
  21       Other                                         1,427.9   1,488.6   1,492.7   1,492.4   1,507.8   1,502.9   1,509.8   1,510.9       1,523.0   1,517.7   1,490.2   1,499.1

  22  Borrowings                                           388.8     429.0     430.5     429.8     432.5     438.7     450.2     452.9         452.5     455.1     454.1     445.9
  23    From banks in the U.S.                             153.3     166.8     161.4     156.5     160.6     164.0     173.7     176.0         181.4     182.7     168.3     164.7
  24    From others                                        235.5     262.2     269.2     273.3     271.8     274.7     276.5     276.9         271.1     272.3     285.8     281.2

  25  Net due to related foreign offices                    12.6      12.0      14.1      13.5      14.6      20.6      23.3      24.6          24.7      26.3      23.6      23.6

  26  Other liabilities                                     72.0      73.2      70.1      69.1      70.5      73.3      72.6      75.8          76.9      74.0      76.1      79.0

  27  TOTAL LIABILITIES                                  2,512.8   2,648.3   2,651.7   2,650.4   2,674.9   2,700.9   2,712.8   2,720.8       2,722.1   2,732.0   2,708.9   2,715.0

  28  Residual (assets less liabilities) (8)               132.5     157.2     156.7     155.1     158.8     165.4     163.4     179.4         177.8     171.1     179.0     208.8




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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                            March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          644.4     619.3     618.3     620.8     625.3     620.2     629.2     642.7         639.5     646.6     648.2     638.4

  2     Securities in bank credit                          279.2     263.3     267.5     269.7     269.8     270.7     265.2     269.4         273.0     267.7     267.1     270.5
  3        Treasury and Agency securities (2)              116.6     107.5     109.0     104.9      98.6      99.0      97.6      98.8         101.2      98.0      95.9      99.4
  4        Other securities                                162.5     155.7     158.5     164.7     171.2     171.7     167.6     170.6         171.8     169.7     171.3     171.1

  5     Loans and leases in bank credit (3)                365.3     356.0     350.8     351.1     355.5     349.5     364.0     373.3         366.5     378.9     381.1     367.9
  6        Commercial and industrial                       171.8     149.6     145.6     141.4     136.9     143.9     146.8     146.0         145.9     145.9     146.5     144.4
  7        Real estate                                      19.7      18.1      18.3      22.0      21.3      16.5      17.1      17.1          17.2      17.3      17.0      16.9
  11       Security (4)                                    104.4     108.2     110.4     112.2     121.5     107.7     109.7     119.8         114.5     123.8     124.5     118.9
  12       Other loans and leases                           69.4      80.0      76.6      75.5      75.9      81.4      90.3      90.3          88.9      91.8      93.1      87.7

  13  Interbank loans                                       27.0      32.5      30.8      29.3      29.7      25.1      27.8      25.2          24.7      25.3      26.3      22.9

  14  Cash assets (5)                                       38.7      55.7      55.4      52.4      50.5      50.1      53.8      57.7          57.1      57.9      58.2      60.6

  15  Other assets (6)                                      33.3      40.7      37.9      40.3      38.8      39.3      41.3      36.3          35.6      36.8      35.0      35.2

  16  TOTAL ASSETS (7)                                     743.0     747.8     741.9     742.4     743.9     734.3     751.7     761.3         756.5     766.2     767.3     756.7

            L I A B I L I T I E S

  17  Deposits                                             442.8     456.5     452.9     440.2     436.6     435.5     454.5     471.1         467.7     471.2     474.1     478.9
  18    Transaction                                         10.3      14.5      15.2      14.8      15.5      15.6      17.9      17.9          17.5      17.3      18.4      18.2
  19    Nontransaction                                     432.6     442.0     437.7     425.4     421.1     419.8     436.6     453.2         450.2     453.9     455.7     460.7

  22  Borrowings                                           275.0     290.3     290.2     299.1     295.3     308.3     321.4     332.6         327.7     335.0     330.3     343.6
  23    From banks in the U.S.                              31.1      34.1      33.9      36.0      32.2      40.4      37.8      40.3          38.9      39.6      39.7      43.9
  24    From others                                        243.9     256.2     256.3     263.1     263.2     267.9     283.6     292.3         288.8     295.4     290.6     299.7

  25  Net due to related foreign offices                   -81.3    -106.5    -102.6     -95.5     -88.8    -109.6    -131.8    -152.4        -152.3    -150.8    -149.9    -167.8

  26  Other liabilities                                     99.6     116.1     110.3     110.7     107.5     100.0      99.4     102.8         106.5     103.4     102.5      98.7

  27  TOTAL LIABILITIES                                    736.1     756.4     750.7     754.5     750.7     734.1     743.5     754.2         749.6     758.8     757.0     753.4

  28  Residual (assets less liabilities) (8)                 7.0      -8.6      -8.8     -12.1      -6.8       0.2       8.2       7.2           7.0       7.4      10.3       3.3



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

  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                                                                                                                        March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          648.7     612.9     614.2     620.3     628.8     630.3     637.8     647.1         646.6     648.0     651.4     642.1

  2     Securities in bank credit (2)                      279.2     263.3     267.5     269.7     269.8     270.7     265.2     269.4         273.0     267.7     267.1     270.5
  3        Treasury and Agency securities                  116.6     107.5     109.0     104.9      98.6      99.0      97.6      98.8         101.2      98.0      95.9      99.4
  3a         Trading account                                36.4      38.8      39.8      38.5      32.8      34.9      33.1      34.9          35.9      34.1      34.1      35.4
  3b         Investment account                             80.3      68.7      69.2      66.4      65.9      64.2      64.5      63.9          65.3      63.9      61.8      64.1
  4        Other securities                                162.5     155.7     158.5     164.7     171.2     171.7     167.6     170.6         171.8     169.7     171.3     171.1
  4a         Trading account                               101.8     101.1     104.2     103.4     105.0     102.8      97.0      98.8         100.8      99.4      98.0      98.3
  4b         Investment account                             60.7      54.7      54.3      61.3      66.2      68.9      70.6      71.8          71.0      70.3      73.3      72.9

  5     Loans and leases in bank credit (3)                369.6     349.6     346.7     350.6     359.1     359.6     372.5     377.7         373.6     380.4     384.3     371.6
  6        Commercial and industrial                       173.2     148.5     145.5     141.5     137.9     145.1     146.9     147.2         147.0     147.6     147.9     146.1
  7        Real estate                                      19.7      18.1      18.3      22.0      21.3      16.5      17.1      17.1          17.2      17.3      17.0      16.9
  11       Security (4)                                    107.1     104.3     107.0     112.2     123.9     114.1     117.2     122.9         120.3     123.9     126.6     119.8
  12       Other loans and leases                           69.5      78.7      75.9      74.9      76.0      83.9      91.3      90.5          89.1      91.7      92.8      88.8

  13  Interbank loans                                       27.0      32.5      30.8      29.3      29.7      25.1      27.8      25.2          24.7      25.3      26.3      22.9

  14  Cash assets (5)                                       39.7      53.4      55.0      53.7      53.4      53.7      57.8      59.1          59.4      59.7      58.9      60.3

  15  Other assets (6)                                      33.9      40.1      37.9      39.8      38.7      40.5      42.7      36.9          36.6      36.8      35.2      36.2

  16  TOTAL ASSETS (7)                                     748.9     738.5     737.5     742.6     750.2     749.2     765.6     767.9         766.9     769.4     771.3     761.1

            L I A B I L I T I E S

  17  Deposits                                             453.0     441.0     436.5     429.0     437.0     447.0     471.6     481.7         481.6     479.7     483.8     483.8
  18    Transaction                                         10.3      14.1      15.4      15.2      16.0      17.0      18.5      17.9          17.4      17.6      18.3      17.7
  19    Nontransaction                                     442.7     426.9     421.1     413.9     420.9     430.0     453.1     463.8         464.2     462.1     465.5     466.2

  22  Borrowings                                           275.0     290.3     290.2     299.1     295.3     308.3     321.4     332.6         327.7     335.0     330.3     343.6
  23    From banks in the U.S.                              31.1      34.1      33.9      36.0      32.2      40.4      37.8      40.3          38.9      39.6      39.7      43.9
  24    From others                                        243.9     256.2     256.3     263.1     263.2     267.9     283.6     292.3         288.8     295.4     290.6     299.7

  25  Net due to related foreign offices                   -80.1    -107.8    -101.3     -96.7     -89.9    -108.5    -129.8    -151.5        -151.3    -150.4    -148.2    -167.1

  26  Other liabilities                                    100.4     114.9     111.4     109.7     106.5     101.0     101.1     103.7         107.6     103.8     104.1      99.4

  27  TOTAL LIABILITIES                                    748.3     738.3     736.8     741.1     749.0     747.9     764.3     766.5         765.6     768.1     770.0     759.8

  28  Residual (assets less liabilities) (8)                 0.6       0.2       0.7       1.4       1.3       1.3       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                                                                                                                        March 12, 2004


               Account                                    2003      2003      2003      2003      2003      2003      2004      2004                      Week ending
                                                           Feb       Aug       Sep       Oct       Nov       Dec       Jan       Feb         Feb 11    Feb 18    Feb 25     Mar 3 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)             116.8      93.1     112.5     114.1     112.4     120.2     126.5     126.4         129.9     128.7     125.2     119.2

  30  Reval. losses on off-bal. sheet items (9)             94.9      79.4      96.0      97.3      94.5     103.9     111.3     115.8         121.4     119.9     113.6     108.3

  31  Mortgage-backed securities (10)                      383.7     394.6     380.0     394.9     412.5     410.3     410.2     467.2         418.5     500.1     492.8     496.2
  31a   Pass-through                                       281.9     279.0     267.3     283.5     296.9     292.7     291.2     346.7         297.5     379.3     373.2     375.4
  31b   CMO, REMIC, and other                              101.8     115.5     112.7     111.4     115.5     117.5     119.0     120.6         121.0     120.7     119.6     120.8

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                  11.5       1.1       4.8       4.2       3.1       3.6       5.0       8.6           6.1       9.9      10.3      10.6

  33  Offshore credit to U.S. residents (12)                18.2      14.7      14.3      13.8      13.5      13.3      13.4      13.1          13.1      13.2      13.1      13.1

  34  Securitized consumer loans (13)                      151.3     163.6     162.9     165.1     166.4     167.3     169.1     168.4         169.4     167.5     167.8     168.0
  34a   Credit card and related plans                      134.8     144.5     144.3     146.8     147.5     148.0     149.9     149.5         150.6     148.8     148.6     149.1
  34b   Other                                               16.5      19.1      18.6      18.3      18.9      19.3      19.2      18.9          18.8      18.7      19.1      19.0

  35  Securitized business loans (13)                       10.9       7.2       7.9       8.0       7.5       7.2       7.2       7.1           7.1       7.1       7.0       7.0


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      308.0     324.3     322.9     321.4     327.3     334.7     332.3     331.9         330.6     330.6     333.6     335.7

  34  Securitized consumer loans (13)                      203.5     201.5     202.7     204.4     202.7     203.3     205.1     202.4         204.3     200.2     200.9     203.9
  34a   Credit card and related plans                      195.8     194.3     195.5     197.2     195.3     195.8     197.4     194.9         196.6     192.6     193.5     196.5
  34b   Other                                                7.7       7.2       7.2       7.2       7.4       7.5       7.7       7.6           7.7       7.7       7.4       7.4


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              67.0      66.2      68.2      69.0      65.4      65.1      64.9      64.0          66.2      64.2      63.0      63.0

  30  Reval. losses on off-bal. sheet items (9)             64.9      64.7      66.6      67.7      66.2      66.7      68.2      69.0          70.2      70.2      68.4      68.4

  35  Securitized business loans (13)                        4.6       1.4       1.2       1.3       1.3       1.2       0.9       0.5           0.5       0.5       0.5       0.5











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                    March 12, 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. 
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