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 April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,963.9 6,196.0 6,203.9 6,186.0 6,222.9 6,252.1 6,306.6 6,415.6 6,414.4 6,471.4 6,475.8 6,502.1 2 Securities in bank credit 1,762.9 1,792.1 1,796.7 1,816.1 1,845.8 1,855.8 1,857.1 1,927.7 1,942.9 1,968.3 1,966.2 1,990.7 3 Treasury and Agency securities (2) 1,060.8 1,082.0 1,066.6 1,081.8 1,102.4 1,101.4 1,100.2 1,165.3 1,184.7 1,195.5 1,190.8 1,209.0 4 Other securities 702.1 710.1 730.1 734.3 743.4 754.4 756.9 762.4 758.3 772.8 775.4 781.8 5 Loans and leases in bank credit (3) 4,201.0 4,403.9 4,407.3 4,369.9 4,377.1 4,396.3 4,449.5 4,487.9 4,471.5 4,503.1 4,509.6 4,511.4 6 Commercial and industrial 950.7 917.8 907.3 895.3 893.6 898.2 897.8 898.8 895.3 894.3 891.9 890.8 7 Real estate 2,080.5 2,242.8 2,261.0 2,244.2 2,223.7 2,219.6 2,234.7 2,255.6 2,266.8 2,282.1 2,286.7 2,290.0 8 Revolving home equity 222.7 253.4 258.8 265.6 273.4 281.0 290.8 297.4 301.4 304.9 309.1 311.8 9 Other 1,857.8 1,989.4 2,002.3 1,978.6 1,950.3 1,938.6 1,943.9 1,958.3 1,965.4 1,977.2 1,977.6 1,978.1 10 Consumer 591.9 602.2 606.7 601.7 630.6 633.3 637.3 636.8 633.7 635.3 637.3 640.6 11 Security (4) 177.9 203.7 198.3 202.9 212.3 196.0 211.1 219.5 207.1 218.0 227.8 222.5 12 Other loans and leases 400.0 437.3 433.9 425.7 416.9 449.2 468.6 477.2 468.6 473.5 466.0 467.4 13 Interbank loans 304.8 325.4 304.4 321.0 297.5 288.7 305.2 330.9 286.8 278.8 282.7 300.9 14 Cash assets (5) 311.3 343.2 329.9 313.5 322.9 306.5 318.9 326.7 338.4 334.0 335.0 331.4 15 Other assets (6) 531.7 568.3 559.1 556.2 549.6 552.2 553.8 560.0 567.3 580.3 570.9 581.5 16 TOTAL ASSETS (7) 7,035.1 7,357.0 7,321.5 7,301.7 7,317.8 7,323.1 7,410.2 7,559.8 7,533.3 7,591.1 7,590.7 7,641.9 L I A B I L I T I E S 17 Deposits 4,535.4 4,803.5 4,781.4 4,722.6 4,745.0 4,742.2 4,778.5 4,810.5 4,862.5 4,868.6 4,894.1 4,920.2 18 Transaction 613.7 658.5 640.2 639.3 636.9 644.6 631.5 647.3 628.6 632.5 669.8 698.4 19 Nontransaction 3,921.6 4,145.0 4,141.2 4,083.3 4,108.1 4,097.6 4,147.1 4,163.2 4,233.8 4,236.2 4,224.3 4,221.8 20 Large time 995.2 1,023.4 1,028.7 992.8 985.6 987.9 1,015.2 1,025.9 1,041.4 1,057.1 1,049.4 1,055.1 21 Other 2,926.4 3,121.6 3,112.4 3,090.5 3,122.5 3,109.7 3,131.8 3,137.3 3,192.4 3,179.1 3,174.9 3,166.6 22 Borrowings 1,369.9 1,520.9 1,487.5 1,446.2 1,435.4 1,460.3 1,493.0 1,558.1 1,518.6 1,521.8 1,537.4 1,519.3 23 From banks in the U.S. 387.7 418.2 403.5 385.8 382.9 381.3 392.4 416.3 390.6 384.0 387.4 384.1 24 From others 982.3 1,102.7 1,083.9 1,060.4 1,052.5 1,078.9 1,100.6 1,141.7 1,128.0 1,137.8 1,150.0 1,135.2 25 Net due to related foreign offices 144.1 126.6 129.8 163.0 174.7 144.3 132.3 105.3 79.5 92.9 82.8 87.9 26 Other liabilities 444.5 402.7 416.9 427.2 409.9 416.0 431.8 464.1 463.0 499.9 472.6 476.0 27 TOTAL LIABILITIES 6,493.9 6,853.6 6,815.5 6,759.0 6,764.9 6,762.7 6,835.7 6,938.0 6,923.5 6,983.3 6,987.1 7,003.4 28 Residual (assets less liabilities) (8) 541.2 503.3 506.0 542.7 552.8 560.4 574.4 621.8 609.8 607.8 603.6 638.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,967.2 6,175.8 6,199.9 6,187.1 6,238.6 6,289.0 6,325.3 6,418.0 6,423.2 6,465.6 6,464.2 6,471.1 2 Securities in bank credit 1,772.1 1,784.7 1,795.4 1,813.9 1,849.5 1,863.2 1,869.1 1,938.4 1,955.1 1,982.2 1,970.9 1,989.0 3 Treasury and Agency securities (2) 1,067.1 1,078.1 1,066.5 1,077.4 1,104.3 1,106.1 1,105.4 1,172.7 1,195.2 1,205.2 1,195.7 1,210.3 4 Other securities 705.0 706.6 728.9 736.5 745.2 757.2 763.7 765.7 759.9 776.9 775.1 778.7 5 Loans and leases in bank credit (3) 4,195.1 4,391.1 4,404.5 4,373.2 4,389.1 4,425.8 4,456.2 4,479.6 4,468.0 4,483.5 4,493.3 4,482.2 6 Commercial and industrial 948.7 914.0 905.7 895.6 893.3 896.8 892.2 896.7 896.4 892.8 893.8 892.0 7 Real estate 2,076.3 2,242.9 2,263.0 2,246.1 2,228.6 2,224.2 2,234.9 2,251.3 2,259.7 2,274.4 2,276.2 2,276.7 8 Revolving home equity 223.1 253.5 259.6 266.2 273.2 280.3 289.8 297.8 300.8 302.9 306.0 308.1 9 Other 1,853.2 1,989.4 2,003.4 1,979.9 1,955.4 1,944.0 1,945.0 1,953.5 1,958.9 1,971.5 1,970.2 1,968.6 10 Consumer 595.1 598.5 604.8 600.9 632.2 642.4 645.7 640.4 634.3 633.8 635.5 637.9 10a Credit card and related plans 225.9 223.2 225.8 220.7 252.5 263.5 260.1 253.3 249.5 247.0 249.2 251.2 10b Other 369.2 375.3 379.0 380.2 379.7 378.9 385.5 387.1 384.7 386.7 386.3 386.7 11 Security (4) 179.5 198.6 196.2 205.4 217.2 206.7 217.7 220.8 211.5 215.5 226.0 213.5 12 Other loans and leases 395.6 437.2 434.9 425.1 417.8 455.7 465.8 470.4 466.2 467.1 461.9 462.1 13 Interbank loans 302.0 319.6 297.6 313.9 302.0 295.1 303.2 327.6 294.7 283.4 287.0 295.9 14 Cash assets (5) 311.8 326.6 326.2 316.9 333.1 327.8 335.7 327.9 331.4 320.9 324.3 310.7 15 Other assets (6) 529.2 564.8 563.0 555.9 553.2 557.4 557.9 557.4 569.4 578.8 571.5 575.0 16 TOTAL ASSETS (7) 7,033.2 7,310.6 7,310.8 7,299.5 7,352.0 7,392.9 7,447.9 7,556.9 7,544.7 7,574.9 7,572.9 7,578.6 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 4,760.7 4,794.4 4,802.1 4,832.6 4,894.9 4,885.7 4,895.1 4,891.5 18 Transaction 606.1 642.1 634.9 636.5 644.8 678.8 645.9 639.3 623.7 620.2 659.3 672.9 19 Nontransaction 3,950.2 4,111.4 4,110.3 4,070.7 4,115.9 4,115.6 4,156.2 4,193.3 4,271.3 4,265.5 4,235.9 4,218.6 20 Large time 1,005.8 1,007.3 1,009.8 982.9 989.3 1,000.7 1,032.6 1,037.2 1,048.4 1,060.4 1,050.7 1,057.6 21 Other 2,944.3 3,104.1 3,100.5 3,087.9 3,126.7 3,114.9 3,123.6 3,156.1 3,222.8 3,205.1 3,185.2 3,161.0 22 Borrowings 1,372.1 1,500.9 1,485.7 1,449.3 1,437.5 1,459.2 1,507.3 1,560.2 1,519.7 1,516.5 1,539.4 1,511.7 23 From banks in the U.S. 391.2 413.6 396.8 384.4 380.1 382.9 396.6 420.0 395.0 387.2 391.4 386.1 24 From others 981.0 1,087.3 1,088.9 1,064.9 1,057.5 1,076.2 1,110.7 1,140.3 1,124.6 1,129.4 1,148.0 1,125.6 25 Net due to related foreign offices 149.4 124.9 132.1 166.5 180.6 150.7 136.0 111.0 81.1 90.6 78.8 87.1 26 Other liabilities 450.6 401.0 419.2 430.7 415.4 422.3 435.5 470.5 464.8 496.5 466.3 472.7 27 TOTAL LIABILITIES 6,528.4 6,780.3 6,782.2 6,753.8 6,794.2 6,826.6 6,880.9 6,974.3 6,960.4 6,989.3 6,979.7 6,962.9 28 Residual (assets less liabilities) (8) 504.8 530.3 528.6 545.7 557.8 566.3 567.0 582.6 584.2 585.6 593.2 615.7 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,317.1 5,574.3 5,582.0 5,557.1 5,598.1 5,632.3 5,680.3 5,776.2 5,778.6 5,812.2 5,824.7 5,850.2 2 Securities in bank credit 1,482.4 1,527.5 1,527.8 1,545.2 1,576.5 1,585.6 1,591.9 1,658.3 1,672.4 1,689.7 1,699.3 1,721.9 3 Treasury and Agency securities (2) 944.1 974.5 957.6 976.8 1,003.8 1,002.4 1,002.6 1,066.6 1,085.3 1,092.8 1,095.7 1,114.5 4 Other securities 538.3 553.0 570.2 568.3 572.8 583.2 589.3 591.8 587.2 596.9 603.6 607.4 5 Loans and leases in bank credit (3) 3,834.7 4,046.8 4,054.2 4,011.9 4,021.5 4,046.7 4,088.4 4,117.9 4,106.1 4,122.5 4,125.3 4,128.3 6 Commercial and industrial 778.3 767.5 761.5 755.4 756.7 754.2 751.0 752.8 750.9 749.5 748.0 747.4 7 Real estate 2,060.8 2,224.7 2,241.3 2,215.5 2,202.4 2,203.1 2,220.1 2,241.0 2,252.4 2,267.6 2,272.0 2,275.2 8 Revolving home equity 222.7 253.4 258.8 265.6 273.4 281.0 290.8 297.4 301.4 304.9 309.1 311.8 9 Other 1,838.1 1,971.3 1,982.5 1,949.9 1,929.0 1,922.1 1,929.3 1,943.7 1,951.0 1,962.7 1,962.9 1,963.4 10 Consumer 591.9 602.2 606.7 601.7 630.6 633.3 637.3 636.8 633.7 635.3 637.3 640.6 11 Security (4) 73.1 95.1 88.3 94.0 90.8 88.3 101.5 100.1 87.9 84.6 89.4 84.4 12 Other loans and leases 330.6 357.2 356.4 345.3 341.0 367.8 378.5 387.2 381.3 385.6 378.7 380.6 13 Interbank loans 277.7 292.9 273.5 291.6 267.8 263.6 277.2 305.3 264.1 253.7 261.5 273.8 14 Cash assets (5) 272.6 287.5 274.5 261.1 272.4 256.4 265.2 269.0 277.3 270.2 271.8 270.5 15 Other assets (6) 497.2 526.4 520.2 515.8 510.6 512.7 512.5 523.4 530.1 545.3 534.1 546.6 16 TOTAL ASSETS (7) 6,288.5 6,605.6 6,574.9 6,551.1 6,574.1 6,589.0 6,661.3 6,800.9 6,777.0 6,808.3 6,818.8 6,867.6 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 4,326.3 4,340.9 4,383.6 4,389.9 4,419.2 4,445.1 18 Transaction 603.5 644.0 625.0 624.5 621.4 628.9 613.5 629.5 610.5 615.6 652.8 680.6 19 Nontransaction 3,489.0 3,703.0 3,703.4 3,657.9 3,686.9 3,679.5 3,712.8 3,711.3 3,773.1 3,774.3 3,766.5 3,764.4 20 Large time 583.5 591.1 595.4 573.6 570.3 574.7 591.8 582.2 587.4 597.1 593.4 602.0 21 Other 2,905.5 3,111.9 3,108.0 3,084.3 3,116.7 3,104.7 3,121.0 3,129.1 3,185.7 3,177.2 3,173.0 3,162.4 22 Borrowings 1,095.0 1,230.6 1,195.6 1,139.1 1,140.0 1,150.2 1,172.0 1,226.8 1,177.7 1,180.8 1,191.7 1,186.5 23 From banks in the U.S. 356.6 384.1 369.7 349.8 350.7 340.9 354.6 376.1 346.9 344.8 340.2 339.2 24 From others 738.4 846.5 825.9 789.3 789.3 809.3 817.4 850.7 830.8 836.0 851.6 847.3 25 Net due to related foreign offices 222.7 230.3 230.2 258.5 263.7 254.2 264.1 257.3 243.9 242.8 235.6 234.3 26 Other liabilities 344.9 286.6 306.6 316.5 302.5 316.0 332.5 361.3 365.1 393.1 375.9 382.8 27 TOTAL LIABILITIES 5,755.1 6,094.6 6,060.9 5,996.5 6,014.6 6,028.8 6,094.9 6,186.3 6,170.4 6,206.7 6,222.6 6,248.7 28 Residual (assets less liabilities) (8) 533.4 511.0 514.1 554.7 559.6 560.2 566.4 614.7 606.6 601.7 596.2 619.0 ------------------------------------------------- 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 April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,316.1 5,560.5 5,582.0 5,558.8 5,610.2 5,659.1 5,690.5 5,774.1 5,783.7 5,808.7 5,812.9 5,823.4 2 Securities in bank credit 1,491.6 1,520.0 1,526.5 1,543.0 1,580.2 1,593.0 1,603.9 1,669.0 1,684.6 1,703.5 1,704.0 1,720.1 3 Treasury and Agency securities (2) 950.5 970.6 957.5 972.5 1,005.7 1,007.0 1,007.8 1,073.9 1,095.8 1,102.5 1,100.7 1,115.8 4 Other securities 541.1 549.5 569.0 570.5 574.5 586.0 596.1 595.1 588.8 601.0 603.3 604.3 5 Loans and leases in bank credit (3) 3,824.5 4,040.5 4,055.5 4,015.8 4,030.0 4,066.1 4,086.6 4,105.1 4,099.0 4,105.2 4,108.9 4,103.3 6 Commercial and industrial 774.9 765.0 759.9 755.6 755.3 751.7 745.4 749.5 750.3 747.1 748.2 747.4 7 Real estate 2,056.6 2,224.7 2,243.3 2,217.4 2,207.3 2,207.8 2,220.3 2,236.7 2,245.3 2,259.9 2,261.5 2,261.9 8 Revolving home equity 223.1 253.5 259.6 266.2 273.2 280.3 289.8 297.8 300.8 302.9 306.0 308.1 9 Other 1,833.5 1,971.2 1,983.7 1,951.2 1,934.1 1,927.5 1,930.4 1,938.9 1,944.5 1,957.0 1,955.5 1,953.8 10 Consumer 595.1 598.5 604.8 600.9 632.2 642.4 645.7 640.4 634.3 633.8 635.5 637.9 10a Credit card and related plans 225.9 223.2 225.8 220.7 252.5 263.5 260.1 253.3 249.5 247.0 249.2 251.2 10d Other 369.2 375.3 379.0 380.2 379.7 378.9 385.5 387.1 384.7 386.7 386.3 386.7 11 Security (4) 72.0 93.9 89.6 96.5 93.3 92.6 100.6 98.3 91.5 86.1 90.1 82.2 12 Other loans and leases 326.0 358.4 358.0 345.4 341.8 371.7 374.7 380.2 377.7 378.3 373.5 373.9 13 Interbank loans 275.0 287.0 266.7 284.5 272.3 269.9 275.2 302.0 272.1 258.2 265.8 268.9 14 Cash assets (5) 272.1 273.1 271.2 263.2 279.6 274.1 278.0 268.6 270.6 258.8 263.1 251.8 15 Other assets (6) 494.1 523.5 524.2 516.2 514.4 516.8 515.1 520.2 531.2 542.1 533.7 539.8 16 TOTAL ASSETS (7) 6,280.8 6,568.5 6,568.7 6,548.8 6,602.0 6,644.0 6,685.0 6,791.6 6,783.9 6,794.4 6,801.8 6,810.2 L I A B I L I T I E S 17 Deposits 4,103.3 4,312.5 4,308.6 4,278.2 4,323.7 4,349.0 4,332.9 4,352.4 4,411.2 4,405.0 4,418.5 4,410.9 18 Transaction 595.8 628.0 619.4 621.3 628.7 661.8 627.4 621.5 606.1 604.0 642.8 655.8 19 Nontransaction 3,507.4 3,684.6 3,689.2 3,656.9 3,695.0 3,687.2 3,705.4 3,730.9 3,805.1 3,800.9 3,775.7 3,755.1 20 Large time 584.4 589.7 592.9 575.0 574.1 577.5 593.1 583.1 589.0 597.7 592.3 598.4 21 Other 2,923.0 3,094.8 3,096.3 3,081.9 3,120.9 3,109.8 3,112.4 3,147.8 3,216.1 3,203.2 3,183.3 3,156.7 22 Borrowings 1,097.1 1,210.6 1,193.8 1,142.1 1,142.2 1,149.1 1,186.3 1,228.9 1,178.8 1,175.5 1,193.7 1,178.9 23 From banks in the U.S. 360.1 379.6 363.0 348.4 347.9 342.5 358.8 379.7 351.4 347.9 344.1 341.3 24 From others 737.1 831.0 830.8 793.7 794.3 806.6 827.5 849.3 827.5 827.6 849.6 837.6 25 Net due to related foreign offices 226.9 230.0 231.3 263.2 270.8 259.4 265.8 262.0 244.8 240.2 229.7 229.7 26 Other liabilities 350.2 286.1 307.8 321.0 308.9 321.3 334.4 366.9 366.2 389.5 368.0 376.4 27 TOTAL LIABILITIES 5,777.5 6,039.3 6,041.5 6,004.5 6,045.5 6,078.9 6,119.4 6,210.3 6,201.0 6,210.2 6,209.9 6,195.8 28 Residual (assets less liabilities) (8) 503.3 529.2 527.2 544.3 556.5 565.0 565.7 581.3 582.9 584.2 591.9 614.4 ------------------------------------------------- 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 April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,992.8 3,111.9 3,118.8 3,092.2 3,108.3 3,119.7 3,143.9 3,223.1 3,223.6 3,251.7 3,257.0 3,271.2 2 Securities in bank credit 819.6 827.0 830.4 843.3 868.2 871.9 876.5 941.3 953.0 970.8 984.3 1,002.1 3 Treasury and Agency securities (2) 487.7 476.8 464.0 481.1 502.9 497.2 496.2 559.1 575.1 583.6 590.6 606.7 3a Trading account 54.5 34.7 38.1 33.8 40.4 39.4 40.6 45.9 40.7 46.5 43.5 47.6 3b Investment account 433.2 442.1 425.9 447.3 462.5 457.8 455.6 513.3 534.4 537.1 547.1 559.1 4 Other securities 331.9 350.2 366.4 362.1 365.3 374.6 380.2 382.2 377.9 387.2 393.7 395.4 4a Trading account 178.8 168.1 184.7 187.3 189.2 195.0 197.1 199.4 193.7 205.4 209.3 210.2 4b Investment account 153.1 182.1 181.7 174.9 176.1 179.6 183.1 182.8 184.2 181.8 184.3 185.2 4c State and local government 29.6 31.4 31.5 31.5 31.7 31.7 31.8 32.4 33.0 32.9 33.2 33.5 4d Other 123.5 150.7 150.3 143.4 144.4 147.9 151.3 150.4 151.2 148.9 151.1 151.7 5 Loans and leases in bank credit (3) 2,173.3 2,284.9 2,288.4 2,248.9 2,240.2 2,247.8 2,267.4 2,281.8 2,270.6 2,280.9 2,272.7 2,269.1 6 Commercial and industrial 488.6 467.0 458.5 452.6 450.4 447.3 438.3 438.3 435.6 434.2 431.9 431.6 7 Real estate 1,052.2 1,146.3 1,162.3 1,137.1 1,117.9 1,110.4 1,117.7 1,127.8 1,136.6 1,146.3 1,143.4 1,144.9 8 Revolving home equity 146.6 168.5 173.1 178.4 184.2 189.3 196.9 201.3 204.7 207.5 210.3 212.0 9 Other 905.7 977.8 989.2 958.7 933.7 921.1 920.8 926.5 931.9 938.8 933.1 932.9 10 Consumer 335.9 330.1 332.5 329.8 347.7 342.0 340.9 338.6 338.1 337.7 337.9 338.9 11 Security (4) 65.7 86.8 80.4 86.3 83.4 81.0 93.8 92.1 80.5 77.4 82.1 76.6 11a Fed funds and RPs with broker/dealer 54.9 67.6 62.8 68.1 65.7 62.7 74.7 72.0 62.5 58.9 63.3 56.5 11b Other 10.8 19.2 17.6 18.2 17.8 18.3 19.1 20.1 18.0 18.5 18.8 20.1 12a State and local government 12.5 13.5 13.7 13.9 14.1 14.1 14.1 14.2 14.2 14.3 14.3 14.3 12b Agricultural 9.1 8.5 8.6 8.6 8.5 8.5 8.3 8.2 8.2 8.3 8.3 8.4 12c Fed funds and RPs with others 24.5 25.6 28.0 26.1 26.1 29.5 27.1 32.5 28.6 31.6 27.4 28.2 12d All other loans 76.0 99.0 96.7 89.2 87.6 112.4 128.1 129.4 128.1 130.2 126.7 125.6 12e Lease financing receivables 108.9 108.1 107.7 105.5 104.5 102.7 99.2 100.7 100.7 100.8 100.7 100.6 13 Interbank loans 178.4 195.7 180.7 198.8 179.9 178.0 183.4 209.8 177.7 170.4 175.9 180.6 13a Fed funds and RPs with banks 105.5 114.2 110.1 118.0 101.7 98.2 93.3 103.1 93.0 85.7 93.2 92.8 13b Other 72.9 81.5 70.5 80.8 78.3 79.8 90.0 106.7 84.7 84.7 82.7 87.8 14 Cash assets (5) 158.9 161.1 153.6 141.9 154.2 142.6 149.1 148.9 153.9 148.6 148.6 145.8 15 Other assets (6) 357.3 371.2 361.8 361.2 355.8 352.4 355.9 361.5 362.5 377.5 369.1 369.4 16 TOTAL ASSETS (7) 3,641.6 3,794.7 3,770.0 3,749.9 3,754.3 3,748.0 3,789.8 3,901.9 3,876.1 3,906.6 3,908.9 3,925.3 ------------------------------------------------- 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) April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,061.9 2,197.2 2,182.4 2,144.7 2,161.6 2,166.8 2,168.5 2,180.2 2,215.9 2,222.9 2,241.9 2,258.2 18 Transaction 296.2 309.5 296.2 293.2 292.8 296.9 288.8 297.6 285.7 290.7 315.9 339.1 19 Nontransaction 1,765.7 1,887.6 1,886.3 1,851.5 1,868.8 1,869.9 1,879.7 1,882.7 1,930.1 1,932.2 1,926.1 1,919.1 20 Large time 276.1 276.5 279.6 259.3 253.2 254.0 265.0 256.4 259.1 266.7 264.5 273.4 21 Other 1,489.6 1,611.1 1,606.7 1,592.2 1,615.6 1,615.9 1,614.7 1,626.2 1,671.0 1,665.5 1,661.6 1,645.7 22 Borrowings 706.8 802.3 765.7 709.9 708.1 712.2 722.3 774.9 733.8 732.0 743.8 736.6 23 From banks in the U.S. 203.4 217.5 208.5 193.4 190.3 176.5 181.1 200.7 183.5 181.9 178.2 174.9 24 From others 503.3 584.8 557.2 516.4 517.9 535.7 541.2 574.2 550.4 550.1 565.6 561.7 25 Net due to related foreign offices 210.2 218.3 216.2 245.0 249.1 233.6 240.8 232.7 220.6 223.9 217.3 215.9 26 Other liabilities 273.0 213.4 236.5 247.4 232.1 242.9 259.9 285.8 289.1 316.7 299.0 305.7 27 TOTAL LIABILITIES 3,251.8 3,431.1 3,400.8 3,347.0 3,350.9 3,355.6 3,391.6 3,473.7 3,459.5 3,495.6 3,502.0 3,516.4 28 Residual (assets less liabilities) (8) 389.8 363.6 369.2 402.9 403.4 392.4 398.2 428.2 416.6 411.0 406.9 408.9 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 7 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,994.9 3,101.3 3,116.7 3,092.0 3,117.4 3,135.1 3,151.4 3,223.9 3,232.3 3,251.2 3,249.0 3,248.6 2 Securities in bank credit 827.9 821.3 829.0 843.4 873.1 877.6 886.5 951.1 964.6 982.1 986.2 996.7 3 Treasury and Agency securities (2) 493.2 474.7 463.8 479.1 506.0 500.2 499.5 565.6 585.0 590.8 592.8 604.4 3a Trading account 55.1 34.6 38.1 33.7 40.7 39.6 40.9 46.4 41.4 47.1 43.7 47.4 3b Investment account 438.1 440.1 425.7 445.5 465.4 460.5 458.6 519.2 543.6 543.7 549.2 557.0 3c Mortgage-backed 338.7 343.0 328.0 343.0 358.9 354.3 352.0 408.2 437.0 433.9 436.4 442.1 3d Other 99.3 97.1 97.7 102.4 106.5 106.2 106.6 111.0 106.6 109.8 112.8 114.9 3e 1 year or less 23.0 24.5 24.1 24.9 25.3 25.9 24.7 23.9 23.1 23.4 23.8 24.1 3f Between 1 and 5 years 57.6 52.8 53.1 56.9 58.1 57.7 58.5 62.2 59.5 63.0 64.8 66.2 3g More than 5 years 18.7 19.8 20.5 20.7 23.1 22.6 23.4 24.8 24.0 23.4 24.1 24.6 4 Other securities 334.8 346.7 365.2 364.3 367.1 377.4 387.0 385.5 379.5 391.3 393.4 392.3 4a Trading account 180.3 166.4 184.1 188.4 190.1 196.4 200.6 201.2 194.5 207.5 209.2 208.5 4b Investment account 154.4 180.3 181.1 175.9 177.0 181.0 186.3 184.4 185.0 183.7 184.2 183.8 4c State and local government 29.8 31.1 31.4 31.7 31.8 31.9 32.4 32.7 33.1 33.2 33.2 33.2 4d Other 124.6 149.2 149.8 144.2 145.1 149.0 154.0 151.7 151.9 150.5 151.0 150.6 5 Loans and leases in bank credit (3) 2,167.0 2,280.0 2,287.8 2,248.6 2,244.3 2,257.5 2,264.9 2,272.8 2,267.7 2,269.2 2,262.8 2,251.9 6 Commercial and industrial 486.7 465.6 458.7 453.1 450.6 444.9 434.1 436.5 435.9 432.7 432.2 431.1 7 Real estate 1,047.9 1,147.2 1,163.7 1,137.9 1,120.8 1,111.5 1,116.2 1,123.4 1,130.5 1,140.1 1,135.7 1,134.8 8 Revolving home equity 146.8 169.1 173.6 178.7 183.8 188.2 195.7 201.7 204.2 205.6 207.7 208.9 9a Other residential 569.4 649.4 660.7 629.5 606.3 594.5 592.8 591.6 595.0 600.4 593.6 590.9 9b Commercial 331.7 328.8 329.4 329.7 330.8 328.9 327.8 330.1 331.3 334.1 334.4 335.0 10 Consumer 339.1 327.5 328.9 325.8 345.9 345.1 346.2 342.2 340.5 338.8 338.6 339.2 10a Credit card and related plans 115.4 103.6 103.1 98.7 120.9 123.5 120.8 115.3 114.1 111.1 111.6 111.8 10f Other 223.7 224.0 225.8 227.1 225.1 221.7 225.4 226.9 226.3 227.7 227.1 227.4 11 Security (4) 64.6 85.6 81.7 88.8 85.7 85.1 93.2 90.4 83.7 78.6 82.6 74.4 11a Fed funds and RPs with broker/dealer 54.0 66.7 63.9 70.1 67.4 65.9 74.2 70.7 65.0 59.8 63.7 54.9 11b Other 10.6 19.0 17.9 18.7 18.2 19.2 19.0 19.7 18.7 18.8 18.9 19.5 12a State and local government 12.5 13.5 13.7 13.9 14.1 14.1 14.1 14.2 14.2 14.3 14.3 14.3 12b Agricultural 9.0 8.6 8.5 8.5 8.4 8.5 8.3 8.2 8.2 8.2 8.2 8.3 12c Fed funds and RPs with others 24.5 25.6 28.0 26.1 26.1 29.5 27.1 32.5 28.6 31.6 27.4 28.2 12d All other loans 72.6 99.2 98.2 89.6 88.6 115.8 124.9 123.6 124.5 123.4 122.3 120.5 12e Lease financing receivables 110.1 107.1 106.3 105.0 104.0 102.9 100.8 101.9 101.7 101.5 101.4 101.1 13 Interbank loans 176.6 190.6 175.3 192.9 181.3 182.1 186.8 207.5 179.2 168.5 177.0 175.9 13a Fed funds and RPs with banks 104.6 111.5 107.0 114.7 102.4 100.3 95.1 101.9 93.8 84.7 93.7 90.4 13b Other 72.1 79.1 68.2 78.2 78.9 81.8 91.7 105.5 85.4 83.8 83.2 85.6 14 Cash assets (5) 158.9 151.4 150.7 143.5 157.2 153.3 157.8 149.1 148.8 141.4 145.1 135.2 15 Other assets (6) 354.2 368.3 365.8 361.5 359.6 356.4 358.6 358.3 363.6 374.3 368.6 362.5 16 TOTAL ASSETS (7) 3,638.4 3,766.2 3,763.5 3,746.4 3,771.7 3,782.2 3,812.4 3,896.9 3,881.7 3,893.4 3,897.6 3,880.3 ------------------------------------------------- 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) April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,065.9 2,180.8 2,173.9 2,142.4 2,168.6 2,183.0 2,168.7 2,185.0 2,231.0 2,228.2 2,240.4 2,231.4 18 Transaction 291.9 297.4 291.4 290.3 296.5 317.4 297.6 293.0 282.2 282.4 311.4 324.1 19 Nontransaction 1,774.0 1,883.4 1,882.6 1,852.1 1,872.1 1,865.6 1,871.0 1,892.0 1,948.8 1,945.8 1,929.0 1,907.2 20 Large time 277.0 275.2 277.1 260.8 257.0 256.8 266.3 257.3 260.8 267.3 263.4 269.7 21 Other 1,497.0 1,608.3 1,605.5 1,591.4 1,615.1 1,608.8 1,604.7 1,634.6 1,688.0 1,678.5 1,665.6 1,637.5 22 Borrowings 708.9 782.3 763.9 712.9 710.3 711.2 736.6 777.0 734.9 726.8 745.7 729.0 23 From banks in the U.S. 206.9 212.9 201.8 192.0 187.4 178.1 185.3 204.3 187.9 185.1 182.2 176.9 24 From others 502.0 569.3 562.1 520.9 522.8 533.0 551.3 572.7 547.1 541.7 563.6 552.0 25 Net due to related foreign offices 214.3 218.0 217.3 249.7 256.1 238.9 242.5 237.5 221.5 221.3 211.3 211.3 26 Other liabilities 278.2 213.0 237.7 251.9 238.5 248.3 261.9 291.4 290.3 313.1 291.1 299.2 27 TOTAL LIABILITIES 3,267.4 3,394.0 3,392.8 3,357.0 3,373.5 3,381.3 3,409.6 3,491.0 3,477.7 3,489.3 3,488.5 3,470.9 28 Residual (assets less liabilities) (8) 371.0 372.2 370.7 389.4 398.2 400.9 402.8 405.9 404.0 404.1 409.0 409.4 ------------------------------------------------- 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 April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,324.2 2,462.4 2,463.2 2,464.9 2,489.7 2,512.6 2,536.5 2,553.2 2,554.9 2,560.5 2,567.6 2,579.0 2 Securities in bank credit 662.8 700.5 697.4 701.9 708.4 713.7 715.4 717.0 719.4 718.9 715.1 719.8 3 Treasury and Agency securities (2) 456.5 497.7 493.6 495.7 500.9 505.2 506.3 507.4 510.1 509.2 505.1 507.8 4 Other securities 206.3 202.8 203.8 206.2 207.5 208.6 209.1 209.6 209.3 209.7 209.9 212.0 5 Loans and leases in bank credit (3) 1,661.4 1,761.9 1,765.7 1,762.9 1,781.4 1,798.9 1,821.0 1,836.1 1,835.5 1,841.6 1,852.6 1,859.2 6 Commercial and industrial 289.7 300.6 303.0 302.8 306.3 306.9 312.7 314.5 315.3 315.3 316.1 315.8 7 Real estate 1,008.6 1,078.4 1,079.0 1,078.4 1,084.5 1,092.7 1,102.4 1,113.2 1,115.8 1,121.3 1,128.6 1,130.3 8 Revolving home equity 76.2 84.8 85.7 87.2 89.2 91.6 93.8 96.0 96.6 97.5 98.7 99.8 9 Other 932.4 993.5 993.3 991.2 995.3 1,001.1 1,008.5 1,017.2 1,019.2 1,023.8 1,029.8 1,030.5 10 Consumer 256.0 272.1 274.2 271.9 282.9 291.3 296.5 298.2 295.6 297.5 299.4 301.7 11 Security (4) 7.5 8.3 7.9 7.7 7.4 7.3 7.8 8.0 7.4 7.2 7.3 7.8 12 Other loans and leases 99.7 102.5 101.7 102.0 100.3 100.5 101.8 102.3 101.4 100.4 101.3 103.5 13 Interbank loans 99.3 97.2 92.9 92.9 87.8 85.6 93.9 95.4 86.4 83.3 85.6 93.2 14 Cash assets (5) 113.7 126.4 121.0 119.2 118.2 113.8 116.1 120.1 123.4 121.6 123.3 124.7 15 Other assets (6) 139.9 155.2 158.4 154.6 154.8 160.3 156.5 161.9 167.6 167.8 165.1 177.2 16 TOTAL ASSETS (7) 2,646.9 2,810.9 2,805.0 2,801.2 2,819.9 2,841.1 2,871.5 2,899.1 2,900.9 2,901.8 2,909.9 2,942.4 L I A B I L I T I E S 17 Deposits 2,030.6 2,149.8 2,146.0 2,137.7 2,146.7 2,141.6 2,157.8 2,160.7 2,167.8 2,167.0 2,177.3 2,186.8 18 Transaction 307.3 334.5 328.8 331.3 328.6 332.1 324.7 332.0 324.8 324.9 336.9 341.5 19 Nontransaction 1,723.3 1,815.4 1,817.2 1,806.4 1,818.1 1,809.5 1,833.1 1,828.7 1,843.0 1,842.1 1,840.4 1,845.3 20 Large time 307.4 314.6 315.9 314.2 317.1 320.7 326.7 325.8 328.2 330.4 328.9 328.7 21 Other 1,415.9 1,500.8 1,501.3 1,492.2 1,501.1 1,488.9 1,506.3 1,502.9 1,514.8 1,511.7 1,511.5 1,516.7 22 Borrowings 388.2 428.4 429.9 429.2 431.9 437.9 449.7 451.9 443.9 448.8 448.0 449.9 23 From banks in the U.S. 153.1 166.7 161.2 156.4 160.5 164.4 173.5 175.4 163.5 162.8 162.0 164.4 24 From others 235.1 261.7 268.7 272.8 271.4 273.5 276.2 276.6 280.4 285.9 286.0 285.6 25 Net due to related foreign offices 12.6 12.0 14.1 13.5 14.6 20.6 23.3 24.5 23.3 18.9 18.4 18.4 26 Other liabilities 71.9 73.2 70.1 69.1 70.4 73.1 72.5 75.5 76.0 76.4 77.0 77.2 27 TOTAL LIABILITIES 2,503.3 2,663.4 2,660.1 2,649.5 2,663.7 2,673.2 2,703.3 2,712.6 2,711.0 2,711.1 2,720.6 2,732.3 28 Residual (assets less liabilities) (8) 143.6 147.4 144.9 151.8 156.2 167.8 168.1 186.5 190.0 190.7 189.3 210.1 ------------------------------------------------- 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 April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,321.2 2,459.2 2,465.3 2,466.7 2,492.8 2,524.0 2,539.0 2,550.2 2,551.3 2,557.5 2,563.9 2,574.8 2 Securities in bank credit 663.7 698.7 697.6 699.5 707.1 715.4 717.4 717.9 720.1 721.4 717.8 723.4 3 Treasury and Agency securities (2) 457.3 495.9 493.7 493.4 499.6 506.9 508.3 508.4 510.8 511.7 507.9 511.4 4 Other securities 206.3 202.8 203.8 206.2 207.5 208.6 209.1 209.6 209.3 209.7 209.9 212.0 5 Loans and leases in bank credit (3) 1,657.5 1,760.5 1,767.8 1,767.2 1,785.7 1,808.6 1,821.6 1,832.3 1,831.3 1,836.1 1,846.1 1,851.4 6 Commercial and industrial 288.2 299.4 301.2 302.6 304.7 306.8 311.2 313.0 314.4 314.5 316.1 316.3 7 Real estate 1,008.6 1,077.6 1,079.6 1,079.5 1,086.5 1,096.2 1,104.0 1,113.3 1,114.8 1,119.8 1,125.8 1,127.1 8 Revolving home equity 76.2 84.5 86.0 87.5 89.5 92.1 94.1 96.1 96.6 97.3 98.3 99.2 9 Other 932.4 993.1 993.6 992.0 997.0 1,004.1 1,009.9 1,017.2 1,018.2 1,022.4 1,027.5 1,027.9 10 Consumer 256.0 271.0 275.9 275.1 286.3 297.2 299.4 298.2 293.8 295.0 296.9 298.8 10a Credit card and related plans 110.5 119.6 122.7 122.0 131.7 140.0 139.3 138.0 135.4 135.9 137.6 139.4 10h Other 145.5 151.3 153.2 153.1 154.6 157.2 160.1 160.2 158.4 159.0 159.3 159.3 11 Security (4) 7.4 8.3 7.8 7.7 7.6 7.5 7.4 7.9 7.7 7.5 7.5 7.8 12 Other loans and leases 97.3 104.3 103.2 102.3 100.6 100.9 99.5 99.9 100.5 99.4 99.9 101.5 13 Interbank loans 98.3 96.5 91.5 91.7 90.9 87.8 88.4 94.5 92.9 89.8 88.8 92.9 14 Cash assets (5) 113.2 121.7 120.5 119.7 122.4 120.8 120.2 119.6 121.8 117.4 118.0 116.7 15 Other assets (6) 139.9 155.2 158.4 154.6 154.8 160.3 156.5 161.9 167.6 167.8 165.1 177.2 16 TOTAL ASSETS (7) 2,642.4 2,802.3 2,805.3 2,802.4 2,830.3 2,861.8 2,872.7 2,894.7 2,902.3 2,901.0 2,904.2 2,929.9 L I A B I L I T I E S 17 Deposits 2,037.4 2,131.8 2,134.7 2,135.8 2,155.1 2,166.0 2,164.2 2,167.4 2,180.2 2,176.8 2,178.1 2,179.5 18 Transaction 304.0 330.6 328.1 331.0 332.2 344.4 329.8 328.5 323.8 321.6 331.4 331.7 19 Nontransaction 1,733.4 1,801.1 1,806.6 1,804.7 1,822.9 1,821.6 1,834.4 1,838.9 1,856.3 1,855.1 1,846.6 1,847.8 20 Large time 307.4 314.6 315.9 314.2 317.1 320.7 326.7 325.8 328.2 330.4 328.9 328.7 21 Other 1,426.0 1,486.6 1,490.8 1,490.5 1,505.8 1,500.9 1,507.6 1,513.1 1,528.1 1,524.7 1,517.7 1,519.2 22 Borrowings 388.2 428.4 429.9 429.2 431.9 437.9 449.7 451.9 443.9 448.8 448.0 449.9 23 From banks in the U.S. 153.1 166.7 161.2 156.4 160.5 164.4 173.5 175.4 163.5 162.8 162.0 164.4 24 From others 235.1 261.7 268.7 272.8 271.4 273.5 276.2 276.6 280.4 285.9 286.0 285.6 25 Net due to related foreign offices 12.6 12.0 14.1 13.5 14.6 20.6 23.3 24.5 23.3 18.9 18.4 18.4 26 Other liabilities 71.9 73.2 70.1 69.1 70.4 73.1 72.5 75.5 76.0 76.4 77.0 77.2 27 TOTAL LIABILITIES 2,510.1 2,645.4 2,648.7 2,647.6 2,672.0 2,697.6 2,709.7 2,719.3 2,723.3 2,720.9 2,721.4 2,725.0 28 Residual (assets less liabilities) (8) 132.3 157.0 156.5 154.8 158.3 164.2 162.9 175.4 178.9 180.1 182.8 204.9 ------------------------------------------------- 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 April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 646.8 621.7 622.0 628.9 624.9 619.8 626.3 639.4 635.8 659.2 651.1 651.9 2 Securities in bank credit 280.5 264.6 268.9 270.9 269.3 270.2 265.2 269.4 270.5 278.7 266.9 268.8 3 Treasury and Agency securities (2) 116.6 107.5 109.0 104.9 98.7 99.0 97.6 98.8 99.4 102.7 95.0 94.5 4 Other securities 163.9 157.1 159.9 166.0 170.6 171.2 167.6 170.6 171.1 175.9 171.8 174.3 5 Loans and leases in bank credit (3) 366.3 357.1 353.1 358.0 355.6 349.5 361.1 370.0 365.3 380.6 384.3 383.1 6 Commercial and industrial 172.4 150.3 145.8 139.9 136.9 143.9 146.8 146.0 144.4 144.8 143.9 143.4 7 Real estate 19.7 18.1 19.7 28.7 21.3 16.5 14.6 14.6 14.4 14.5 14.7 14.8 11 Security (4) 104.8 108.6 110.0 108.9 121.5 107.7 109.6 119.4 119.2 133.4 138.4 138.1 12 Other loans and leases 69.4 80.1 77.6 80.4 75.9 81.5 90.0 90.0 87.4 87.9 87.3 86.8 13 Interbank loans 27.0 32.5 30.8 29.3 29.8 25.1 28.0 25.6 22.6 25.1 21.2 27.1 14 Cash assets (5) 38.7 55.7 55.4 52.4 50.5 50.1 53.8 57.7 61.1 63.7 63.2 60.9 15 Other assets (6) 34.5 41.9 38.8 40.3 39.0 39.5 41.3 36.6 37.2 35.1 36.8 34.9 16 TOTAL ASSETS (7) 746.6 751.4 746.6 750.5 743.6 734.0 748.9 758.8 756.3 782.7 771.9 774.3 L I A B I L I T I E S 17 Deposits 442.8 456.5 452.9 440.2 436.7 433.8 452.2 469.6 478.8 478.8 474.9 475.1 18 Transaction 10.3 14.5 15.2 14.8 15.5 15.6 17.9 17.8 18.1 16.9 17.0 17.7 19 Nontransaction 432.6 442.0 437.7 425.4 421.1 418.2 434.2 451.8 460.7 461.9 457.9 457.4 22 Borrowings 275.0 290.3 291.9 307.2 295.4 310.1 321.0 331.3 340.8 341.0 345.7 332.8 23 From banks in the U.S. 31.1 34.1 33.9 36.0 32.2 40.4 37.8 40.3 43.7 39.3 47.3 44.9 24 From others 243.9 256.2 258.1 271.2 263.2 269.7 283.2 291.0 297.2 301.7 298.4 288.0 25 Net due to related foreign offices -78.6 -103.8 -100.5 -95.5 -89.1 -109.9 -131.8 -151.9 -164.4 -149.9 -152.8 -146.4 26 Other liabilities 99.6 116.1 110.3 110.7 107.4 100.0 99.4 102.7 97.9 106.8 96.7 93.2 27 TOTAL LIABILITIES 738.8 759.1 754.6 762.6 750.4 733.9 740.8 751.7 753.1 776.6 764.5 754.7 28 Residual (assets less liabilities) (8) 7.8 -7.7 -8.1 -12.0 -6.8 0.1 8.1 7.1 3.2 6.1 7.4 19.6 ------------------------------------------------- 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 April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 651.1 615.3 617.9 628.4 628.4 629.9 634.8 643.9 639.5 656.9 651.3 647.7 2 Securities in bank credit (2) 280.5 264.6 268.9 270.9 269.3 270.2 265.2 269.4 270.5 278.7 266.9 268.8 3 Treasury and Agency securities 116.6 107.5 109.0 104.9 98.7 99.0 97.6 98.8 99.4 102.7 95.0 94.5 3a Trading account 36.4 38.8 39.8 38.5 32.8 34.9 33.1 34.9 35.4 37.8 32.2 33.0 3b Investment account 80.3 68.7 69.2 66.4 65.9 64.2 64.5 63.9 64.1 65.0 62.9 61.5 4 Other securities 163.9 157.1 159.9 166.0 170.6 171.2 167.6 170.6 171.1 175.9 171.8 174.3 4a Trading account 103.1 102.4 105.6 104.7 105.0 102.8 97.0 98.8 98.2 101.8 99.1 102.0 4b Investment account 60.7 54.7 54.3 61.3 65.7 68.4 70.6 71.8 72.9 74.1 72.7 72.4 5 Loans and leases in bank credit (3) 370.6 350.6 349.0 357.4 359.1 359.7 369.6 374.5 369.0 378.2 384.5 378.9 6 Commercial and industrial 173.8 149.1 145.8 140.0 137.9 145.1 146.9 147.2 146.1 145.6 145.6 144.7 7 Real estate 19.7 18.1 19.7 28.7 21.3 16.5 14.6 14.6 14.4 14.5 14.7 14.8 11 Security (4) 107.5 104.7 106.6 109.0 123.9 114.1 117.1 122.5 120.1 129.4 135.9 131.3 12 Other loans and leases 69.6 78.8 76.9 79.7 76.0 84.0 91.1 90.2 88.5 88.7 88.3 88.1 13 Interbank loans 27.0 32.5 30.8 29.3 29.8 25.1 28.0 25.6 22.6 25.1 21.2 27.1 14 Cash assets (5) 39.7 53.4 55.0 53.7 53.4 53.7 57.8 59.2 60.8 62.1 61.2 58.9 15 Other assets (6) 35.1 41.3 38.8 39.8 38.8 40.7 42.7 37.1 38.2 36.7 37.8 35.2 16 TOTAL ASSETS (7) 752.5 742.1 742.1 750.7 750.0 748.9 762.8 765.3 760.7 780.4 771.1 768.4 L I A B I L I T I E S 17 Deposits 453.0 441.0 436.5 429.0 437.0 445.3 469.2 480.2 483.8 480.7 476.7 480.6 18 Transaction 10.3 14.1 15.4 15.2 16.0 17.0 18.5 17.8 17.6 16.2 16.4 17.1 19 Nontransaction 442.7 426.9 421.1 413.9 421.0 428.3 450.7 462.4 466.2 464.6 460.2 463.5 22 Borrowings 275.0 290.3 291.9 307.2 295.4 310.1 321.0 331.3 340.8 341.0 345.7 332.8 23 From banks in the U.S. 31.1 34.1 33.9 36.0 32.2 40.4 37.8 40.3 43.7 39.3 47.3 44.9 24 From others 243.9 256.2 258.1 271.2 263.2 269.7 283.2 291.0 297.2 301.7 298.4 288.0 25 Net due to related foreign offices -77.4 -105.1 -99.2 -96.7 -90.2 -108.8 -129.8 -151.0 -163.7 -149.6 -150.9 -142.6 26 Other liabilities 100.4 114.9 111.4 109.7 106.5 101.0 101.1 103.6 98.5 107.0 98.3 96.3 27 TOTAL LIABILITIES 751.0 741.0 740.7 749.2 748.7 747.6 761.5 764.0 759.4 779.1 769.8 767.1 28 Residual (assets less liabilities) (8) 1.5 1.1 1.4 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 April 2, 2004 Account 2003 2003 2003 2003 2003 2003 2004 2004 Week ending Feb Aug Sep Oct Nov Dec Jan Feb Mar 3 Mar 10 Mar 17 Mar 24 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 116.8 93.1 112.5 114.1 112.4 120.0 125.7 125.6 119.2 132.4 133.3 130.5 30 Reval. losses on off-bal. sheet items (9) 94.9 79.4 96.0 97.3 94.5 103.7 110.5 114.7 108.3 123.2 121.2 120.4 31 Mortgage-backed securities (10) 384.2 395.0 380.4 395.4 412.9 410.7 410.7 467.7 496.8 493.3 496.2 501.9 31a Pass-through 282.1 279.2 267.5 283.7 297.2 292.9 291.4 346.9 375.7 372.5 376.2 381.3 31b CMO, REMIC, and other 102.0 115.8 112.9 111.7 115.8 117.8 119.3 120.8 121.1 120.8 120.0 120.6 32 Net unrealized gains (losses) on available-for-sale securities (11) 11.5 1.1 4.8 4.2 3.1 3.5 5.0 8.6 10.6 12.7 12.9 13.1 33 Offshore credit to U.S. residents (12) 18.2 14.7 14.3 13.8 13.5 13.3 13.4 13.0 12.8 12.7 12.9 12.9 34 Securitized consumer loans (13) 151.3 163.6 162.9 165.1 166.4 167.3 169.1 168.4 168.0 171.1 170.8 170.5 34a Credit card and related plans 134.8 144.5 144.3 146.8 147.5 148.0 149.9 149.5 149.1 150.6 150.4 150.3 34b Other 16.5 19.1 18.6 18.3 18.9 19.3 19.2 18.9 19.0 20.5 20.4 20.3 35 Securitized business loans (13) 10.9 7.2 7.9 8.0 7.5 7.2 7.2 7.1 7.0 7.0 7.0 7.0 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 307.6 323.8 322.4 321.0 326.8 334.3 332.1 331.4 335.3 335.8 333.1 336.1 34 Securitized consumer loans (13) 203.5 201.5 202.7 204.4 202.7 203.3 205.1 202.4 203.9 204.0 202.8 201.4 34a Credit card and related plans 195.8 194.3 195.5 197.2 195.3 195.8 197.4 194.9 196.5 196.7 195.4 194.1 34b Other 7.7 7.2 7.2 7.2 7.4 7.5 7.7 7.6 7.4 7.3 7.3 7.3 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 63.0 65.5 62.9 62.9 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 68.4 70.3 67.1 67.4 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 April 2, 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.