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: June 14, 2004
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Special Notice

Changes to Items Reported on the Release for June 2, 2004

Effective with this release, several changes are being made to the balance sheet items reported for large and small domestically chartered banks.

  • For not seasonally adjusted assets and liabilities of all domestically chartered banks (page 4) and of small banks (page 10), item 9, "Real estate loans, other," has been disaggregated into item 9a, "Real estate loans, other residential," and item 9b, "Real estate loans, commercial," effective with the week of June 2, 2004.
  • For seasonally adjusted assets and liabilities of large banks (page 5), item 3b, "Treasury and Agency securities, investment account," has been disaggregated into item 3c, "Mortgage-backed," and item 3d, "Other." Similarly, item 9, "Real estate loans, other," has been disaggregated into item 9a, "Real estate loans, other residential," and item 9b, "Real estate loans, commercial." This additional detail has been available for large banks on a not seasonally adjusted basis (page 7) since October 2, 1996.
  • For not seasonally adjusted assets of large banks (page 7), items 3e, 3f, and 3g, non-mortgage-backed Treasury and Agency investment account securities having remaining maturities of, respectively, 1 year or less, between 1 and 5 years, and more than 5 years, have been discontinued effective with the week of June 2, 2004.
  • For memo items of large banks (page 13), formerly item 33, "Offshore credit to U.S. residents," has been discontinued effective with the week of June 2, 2004.

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                                                                                                                             June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        6,155.9   6,202.9   6,255.4   6,320.9   6,436.7   6,509.2   6,514.7   6,510.4       6,519.7   6,489.8   6,509.9   6,520.1

  2     Securities in bank credit                        1,835.9   1,836.8   1,856.1   1,860.5   1,935.4   1,985.2   1,954.1   1,926.5       1,929.4   1,916.9   1,922.0   1,919.9
  3        Treasury and Agency securities (2)            1,125.1   1,096.7   1,104.6   1,106.5   1,172.3   1,208.1   1,202.2   1,190.3       1,194.5   1,180.3   1,187.0   1,180.5
  4        Other securities                                710.8     740.1     751.5     754.0     763.1     777.2     751.9     736.3         734.9     736.6     735.0     739.4

  5     Loans and leases in bank credit (3)              4,320.0   4,366.2   4,399.4   4,460.4   4,501.2   4,523.9   4,560.6   4,583.8       4,590.3   4,572.9   4,587.9   4,600.2
  6        Commercial and industrial                       935.8     889.8     891.3     889.1     889.5     881.3     877.5     875.1         872.4     874.9     878.5     876.4
  7        Real estate                                   2,146.8   2,206.9   2,215.7   2,239.9   2,259.0   2,297.0   2,346.9   2,376.4       2,381.8   2,376.0   2,378.8   2,374.1
  8          Revolving home equity                         239.1     273.2     280.7     291.3     297.8     308.4     317.5     326.5         324.3     326.5     328.5     331.5
  9          Other                                       1,907.7   1,933.7   1,934.9   1,948.6   1,961.3   1,988.6   2,029.4   2,050.0       2,057.5   2,049.5   2,050.3   2,042.6
  10       Consumer                                        595.5     625.0     628.6     631.1     633.4     638.8     640.1     642.1         637.4     644.3     645.9     645.1
  11       Security (4)                                    215.9     228.6     214.9     233.1     241.4     239.9     233.7     228.5         238.7     211.7     219.6     245.6
  12       Other loans and leases                          426.0     415.8     448.9     467.2     477.8     467.0     462.5     461.6         460.0     466.0     465.1     458.9

  13  Interbank loans                                      318.6     305.2     296.4     317.6     342.7     296.0     320.4     312.1         317.5     307.8     313.9     301.1

  14  Cash assets (5)                                      310.9     318.5     304.2     320.1     323.8     330.3     339.5     338.7         342.9     345.6     336.4     327.2

  15  Other assets (6)                                     534.1     538.8     539.8     541.7     542.5     551.5     581.2     597.8         600.9     598.6     589.1     633.6

  16  TOTAL ASSETS (7)                                   7,243.9   7,290.6   7,319.7   7,426.5   7,572.6   7,613.8   7,683.3   7,686.8       7,709.0   7,669.7   7,677.2   7,709.7

            L I A B I L I T I E S

  17  Deposits                                           4,634.9   4,741.2   4,759.0   4,795.3   4,825.8   4,911.2   4,954.6   5,021.5       5,011.9   5,018.2   5,018.5   5,062.9
  18    Transaction                                        631.9     635.8     642.5     630.8     644.4     671.7     660.6     652.6         629.3     669.0     691.6     639.3
  19    Nontransaction                                   4,003.0   4,105.5   4,116.5   4,164.5   4,181.5   4,239.4   4,294.0   4,368.9       4,382.6   4,349.3   4,326.9   4,423.6
  20       Large time                                      996.7     996.3   1,000.2   1,019.3   1,024.3   1,048.8   1,064.1   1,090.4       1,085.4   1,094.9   1,092.4   1,096.5
  21       Other                                         3,006.3   3,109.1   3,116.2   3,145.2   3,157.1   3,190.7   3,229.9   3,278.5       3,297.2   3,254.3   3,234.4   3,327.1

  22  Borrowings                                         1,443.7   1,457.0   1,479.7   1,518.6   1,568.7   1,534.9   1,548.9   1,523.4       1,534.7   1,509.8   1,526.7   1,513.2
  23    From banks in the U.S.                             394.4     386.7     389.1     401.8     428.7     402.8     435.9     424.1         436.3     416.4     420.1     417.8
  24    From others                                      1,049.3   1,070.4   1,090.7   1,116.8   1,140.0   1,132.1   1,113.0   1,099.2       1,098.4   1,093.5   1,106.6   1,095.4

  25  Net due to related foreign offices                   149.5     169.5     142.8     131.2     105.8      91.7      94.7      79.3         100.0      89.2      84.4      17.3

  26  Other liabilities                                    433.8     398.5     408.7     426.5     459.8     476.5     464.8     442.1         430.8     429.8     417.4     531.4

  27  TOTAL LIABILITIES                                  6,661.9   6,766.3   6,790.2   6,871.6   6,960.2   7,014.3   7,063.0   7,066.2       7,077.4   7,047.0   7,047.1   7,124.9

  28  Residual (assets less liabilities) (8)               582.0     524.3     529.5     554.9     612.4     599.5     620.3     620.6         631.6     622.7     630.1     584.8



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

  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                                                                                                                         June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        6,140.0   6,244.1   6,298.1   6,334.3   6,427.2   6,479.1   6,496.7   6,502.1       6,510.2   6,478.6   6,495.8   6,519.0

  2     Securities in bank credit                        1,838.6   1,844.3   1,860.2   1,863.9   1,932.6   1,976.6   1,950.9   1,929.8       1,930.8   1,919.0   1,924.7   1,927.3
  3        Treasury and Agency securities (2)            1,131.8   1,103.3   1,105.5   1,102.5   1,168.0   1,204.1   1,205.7   1,197.8       1,200.3   1,187.9   1,194.7   1,190.0
  4        Other securities                                706.8     741.0     754.7     761.4     764.6     772.5     745.2     732.1         730.5     731.1     730.0     737.4

  5     Loans and leases in bank credit (3)              4,301.4   4,399.8   4,437.9   4,470.5   4,494.6   4,502.6   4,545.8   4,572.2       4,579.4   4,559.6   4,571.1   4,591.6
  6        Commercial and industrial                       939.8     889.8     892.0     885.2     889.3     884.1     881.8     879.0         876.6     878.8     880.2     879.6
  7        Real estate                                   2,138.2   2,231.0   2,228.5   2,241.2   2,257.9   2,283.8   2,335.7   2,376.1       2,384.3   2,376.7   2,378.4   2,371.3
  8          Revolving home equity                         239.5     273.2     280.3     289.9     297.9     306.1     316.5     327.1         325.2     327.2     329.2     331.9
  9          Other                                       1,898.7   1,957.8   1,948.3   1,951.3   1,959.9   1,977.7   2,019.2   2,049.0       2,059.1   2,049.5   2,049.2   2,039.5
  10       Consumer                                        590.4     629.3     639.5     643.2     638.0     632.8     632.4     636.7         632.2     639.3     641.1     638.4
  10a        Credit card and related plans                 224.8     251.7     262.7     259.9     253.2     248.9     247.8     252.3         248.0     255.0     256.3     254.6
  10b        Other                                         365.6     377.6     376.8     383.3     384.7     384.0     384.5     384.4         384.3     384.3     384.8     383.8
  11       Security (4)                                    208.8     233.4     223.7     236.1     240.0     239.5     236.0     221.0         230.5     202.5     210.6     238.5
  12       Other loans and leases                          424.2     416.2     454.2     464.8     469.5     462.3     460.0     459.4         455.8     462.3     460.8     463.8

  13  Interbank loans                                      317.5     308.7     301.1     312.5     336.8     299.9     330.0     313.2         318.3     307.3     307.3     310.4

  14  Cash assets (5)                                      306.2     329.0     322.3     329.0     321.2     317.9     334.8     333.0         330.7     327.8     332.2     345.0

  15  Other assets (6)                                     533.9     540.8     542.5     542.3     538.3     547.8     580.1     597.3         604.2     596.9     582.5     633.4

  16  TOTAL ASSETS (7)                                   7,221.8   7,347.9   7,387.9   7,444.4   7,550.1   7,571.2   7,669.2   7,673.3       7,691.2   7,638.5   7,645.7   7,735.2

            L I A B I L I T I E S

  17  Deposits                                           4,625.9   4,752.8   4,788.6   4,796.6   4,827.0   4,904.1   4,971.6   5,011.9       4,998.9   4,992.3   4,988.5   5,096.4
  18    Transaction                                        623.3     641.6     676.5     642.9     636.5     662.8     667.5     643.4         615.6     650.5     679.3     651.9
  19    Nontransaction                                   4,002.6   4,111.2   4,112.1   4,153.7   4,190.5   4,241.3   4,304.1   4,368.4       4,383.3   4,341.9   4,309.3   4,444.5
  20       Large time                                    1,003.5     988.6     999.8   1,028.0   1,033.2   1,051.8   1,069.8   1,098.8       1,092.4   1,101.5   1,102.4   1,107.4
  21       Other                                         2,999.1   3,122.6   3,112.3   3,125.8   3,157.3   3,189.6   3,234.3   3,269.6       3,290.9   3,240.4   3,206.9   3,337.0

  22  Borrowings                                         1,459.3   1,450.0   1,469.3   1,514.9   1,566.3   1,523.9   1,556.0   1,539.7       1,554.3   1,522.5   1,533.9   1,532.1
  23    From banks in the U.S.                             395.0     384.0     387.8     398.2     425.7     404.3     441.0     424.7         438.0     415.7     416.5     419.3
  24    From others                                      1,064.2   1,066.0   1,081.5   1,116.6   1,140.6   1,119.7   1,115.0   1,115.0       1,116.4   1,106.8   1,117.4   1,112.8

  25  Net due to related foreign offices                   145.4     180.6     150.7     136.0     110.8      85.5      78.4      75.1          93.9      85.1      85.4      14.2

  26  Other liabilities                                    429.8     408.2     416.3     431.3     465.5     468.8     446.4     438.1         424.9     425.7     418.4     528.1

  27  TOTAL LIABILITIES                                  6,660.4   6,791.6   6,824.8   6,878.8   6,969.6   6,982.4   7,052.4   7,064.7       7,072.0   7,025.6   7,026.3   7,170.8

  28  Residual (assets less liabilities) (8)               561.4     556.3     563.1     565.6     580.5     588.8     616.8     608.6         619.2     612.9     619.4     564.4





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

  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                                                                                                                             June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,489.2   5,572.2   5,627.5   5,682.4   5,786.9   5,857.1   5,881.8   5,888.7       5,895.5   5,884.7   5,894.2   5,876.4

  2     Securities in bank credit                        1,553.0   1,573.0   1,590.2   1,599.2   1,669.9   1,720.1   1,691.7   1,671.6       1,677.8   1,666.8   1,667.1   1,659.3
  3        Treasury and Agency securities (2)            1,001.1     999.0   1,005.5   1,008.2   1,072.8   1,111.8   1,107.0   1,097.9       1,104.1   1,088.8   1,094.1   1,087.9
  4        Other securities                                551.9     574.1     584.7     591.0     597.1     608.3     584.7     573.7         573.7     578.0     573.0     571.3

  5     Loans and leases in bank credit (3)              3,936.2   3,999.2   4,037.3   4,083.2   4,117.0   4,137.0   4,190.1   4,217.1       4,217.7   4,217.9   4,227.1   4,217.2
  6        Commercial and industrial                       771.0     757.4     755.1     751.9     753.0     747.4     746.6     745.0         742.5     744.5     747.7     746.6
  7        Real estate                                   2,127.7   2,184.8   2,197.8   2,222.8   2,242.0   2,279.9   2,329.6   2,359.6       2,364.7   2,358.9   2,362.4   2,357.7
  8          Revolving home equity                         239.1     273.2     280.7     291.3     297.8     308.4     317.5     326.5         324.3     326.5     328.5     331.5
  9          Other                                       1,888.7   1,911.6   1,917.1   1,931.5   1,944.2   1,971.5   2,012.1   2,033.1       2,040.4   2,032.4   2,033.9   2,026.1
  10       Consumer                                        595.5     625.0     628.6     631.1     633.4     638.8     640.1     642.1         637.4     644.3     645.9     645.1
  11       Security (4)                                     90.8      92.5      90.0     102.0     102.6      92.5      95.8      93.8          96.5      90.8      92.1      94.9
  12       Other loans and leases                          351.2     339.5     365.8     375.4     386.0     378.4     378.0     376.6         376.6     379.5     379.1     372.9

  13  Interbank loans                                      289.2     268.4     264.7     282.1     310.2     265.5     286.8     276.2         278.4     274.0     279.2     266.3

  14  Cash assets (5)                                      261.6     267.1     254.4     264.8     266.7     270.0     275.3     271.5         275.1     275.3     266.3     267.1

  15  Other assets (6)                                     501.6     510.3     512.9     516.4     522.5     533.1     561.5     574.1         582.4     573.2     565.6     595.8

  16  TOTAL ASSETS (7)                                   6,466.5   6,543.6   6,583.9   6,672.3   6,813.6   6,853.0   6,933.3   6,938.8       6,959.7   6,935.6   6,933.6   6,933.9

            L I A B I L I T I E S

  17  Deposits                                           4,215.0   4,303.7   4,323.2   4,342.5   4,362.3   4,444.3   4,479.7   4,533.6       4,528.6   4,529.9   4,533.9   4,554.0
  18    Transaction                                        621.9     624.9     631.6     618.9     632.6     660.0     649.3     641.3         618.1     657.9     680.3     628.1
  19    Nontransaction                                   3,593.1   3,678.8   3,691.6   3,723.6   3,729.7   3,784.2   3,830.3   3,892.4       3,910.5   3,872.0   3,853.6   3,925.9
  20       Large time                                      595.6     571.9     577.8     585.3     576.3     595.6     602.3     618.1         615.2     619.6     621.0     615.7
  21       Other                                         2,997.5   3,106.9   3,113.8   3,138.3   3,153.4   3,188.7   3,228.0   3,274.2       3,295.3   3,252.5   3,232.6   3,310.2

  22  Borrowings                                         1,124.2   1,150.4   1,162.4   1,191.9   1,231.4   1,192.6   1,212.9   1,202.9       1,210.4   1,202.3   1,211.4   1,187.2
  23    From banks in the U.S.                             359.8     351.9     345.9     362.3     386.7     356.6     394.6     383.9         398.9     376.1     379.0     375.1
  24    From others                                        764.4     798.5     816.4     829.6     844.7     836.0     818.4     819.0         811.5     826.2     832.4     812.2

  25  Net due to related foreign offices                   225.2     262.3     253.1     261.8     256.6     245.3     263.9     252.8         274.6     262.5     260.3     184.9

  26  Other liabilities                                    330.1     296.7     309.5     324.9     354.9     374.3     358.3     340.5         325.9     330.4     312.5     433.5

  27  TOTAL LIABILITIES                                  5,894.5   6,013.2   6,048.1   6,121.1   6,205.1   6,256.5   6,314.8   6,329.8       6,339.5   6,325.1   6,318.1   6,359.6

  28  Residual (assets less liabilities) (8)               572.0     530.4     535.8     551.2     608.5     596.5     618.5     609.0         620.2     610.5     615.5     574.2



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                         June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,475.9   5,611.8   5,663.2   5,692.4   5,775.1   5,823.6   5,858.2   5,883.1       5,888.0   5,878.3   5,883.6   5,878.9

  2     Securities in bank credit                        1,555.7   1,580.6   1,594.3   1,602.6   1,667.0   1,711.4   1,688.5   1,674.9       1,679.2   1,668.9   1,669.8   1,666.7
  3        Treasury and Agency securities (2)            1,007.8   1,005.6   1,006.4   1,004.2   1,068.5   1,107.8   1,110.5   1,105.4       1,109.9   1,096.4   1,101.8   1,097.4
  4        Other securities                                547.9     575.0     587.9     598.4     598.5     603.7     578.0     569.5         569.3     572.5     568.0     569.3

  5     Loans and leases in bank credit (3)              3,920.2   4,031.2   4,068.9   4,089.8   4,108.1   4,112.2   4,169.7   4,208.2       4,208.8   4,209.4   4,213.8   4,212.2
  6        Commercial and industrial                       775.0     758.0     754.7     747.3     751.1     748.4     749.9     748.9         746.5     748.4     750.0     749.9
  7        Real estate                                   2,119.2   2,208.9   2,210.7   2,224.1   2,240.8   2,266.7   2,318.4   2,359.3       2,367.2   2,359.6   2,362.0   2,354.8
  8          Revolving home equity                         239.5     273.2     280.3     289.9     297.9     306.1     316.5     327.1         325.2     327.2     329.2     331.9
  9          Other                                       1,879.6   1,935.7   1,930.4   1,934.2   1,942.9   1,960.6   2,001.9   2,032.1       2,042.0   2,032.4   2,032.8   2,023.0
  9a           Other residential                              --        --        --        --        --        --        --        --            --        --        --   1,065.2
  9b           Commercial                                     --        --        --        --        --        --        --        --            --        --        --     957.7
  10       Consumer                                        590.4     629.3     639.5     643.2     638.0     632.8     632.4     636.7         632.2     639.3     641.1     638.4
  10a        Credit card and related plans                 224.8     251.7     262.7     259.9     253.2     248.9     247.8     252.3         248.0     255.0     256.3     254.6
  10d        Other                                         365.6     377.6     376.8     383.3     384.7     384.0     384.5     384.4         384.3     384.3     384.8     383.8
  11       Security (4)                                     86.6      93.6      93.0     101.2      98.7      90.3      94.4      89.4          91.0      86.2      86.1      93.0
  12       Other loans and leases                          349.0     341.4     371.0     374.0     379.5     374.0     374.6     373.9         371.9     375.8     374.6     376.0

  13  Interbank loans                                      288.1     272.0     269.4     277.0     304.3     269.4     296.4     277.3         279.3     273.5     272.6     275.7

  14  Cash assets (5)                                      257.4     277.6     270.9     274.1     264.9     259.6     271.1     266.5         263.4     258.6     263.3     284.7

  15  Other assets (6)                                     500.8     512.8     515.1     515.3     517.1     529.3     561.2     573.3         585.1     571.1     558.4     594.9

  16  TOTAL ASSETS (7)                                   6,447.0   6,599.9   6,643.1   6,685.4   6,788.4   6,808.7   6,915.0   6,928.3       6,944.0   6,909.9   6,906.3   6,962.1

            L I A B I L I T I E S

  17  Deposits                                           4,196.4   4,325.9   4,353.6   4,337.9   4,357.3   4,432.6   4,487.2   4,512.9       4,505.0   4,494.5   4,491.3   4,576.0
  18    Transaction                                        613.5     630.8     665.2     630.6     624.7     651.5     656.4     632.3         604.6     639.7     668.1     640.7
  19    Nontransaction                                   3,583.0   3,695.1   3,688.5   3,707.3   3,732.7   3,781.1   3,830.7   3,880.6       3,900.3   3,854.8   3,823.3   3,935.3
  20       Large time                                      592.8     574.6     578.6     588.5     579.1     593.6     598.3     615.4         611.4     616.4     618.3     615.5
  21       Other                                         2,990.1   3,120.4   3,109.9   3,118.8   3,153.6   3,187.5   3,232.4   3,265.2       3,289.0   3,238.5   3,205.0   3,319.7

  22  Borrowings                                         1,139.8   1,143.4   1,151.9   1,188.2   1,229.0   1,181.6   1,220.0   1,219.2       1,230.0   1,215.0   1,218.6   1,206.1
  23    From banks in the U.S.                             360.4     349.2     344.7     358.8     383.6     358.0     399.6     384.4         400.6     375.5     375.4     376.5
  24    From others                                        779.4     794.2     807.2     829.3     845.3     823.6     820.4     834.7         829.4     839.5     843.2     829.5

  25  Net due to related foreign offices                   223.2     270.8     259.4     265.8     261.8     239.8     250.0     250.5         269.6     260.3     263.0     184.2

  26  Other liabilities                                    327.8     304.3     315.7     329.0     360.9     367.1     342.0     338.1         321.1     328.1     314.9     432.3

  27  TOTAL LIABILITIES                                  5,887.3   6,044.4   6,080.7   6,120.9   6,209.0   6,221.0   6,299.1   6,320.6       6,325.7   6,297.9   6,287.8   6,398.6

  28  Residual (assets less liabilities) (8)               559.8     555.5     562.4     564.5     579.4     587.7     615.8     607.7         618.3     612.0     618.5     563.5






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

  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                                                                                                       June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,084.7   3,077.3   3,101.1   3,128.5   3,217.8   3,269.8   3,227.9   3,223.4       3,228.4   3,222.6   3,227.3   3,213.1

  2     Securities in bank credit                          867.2     865.1     876.9     881.0     951.3   1,004.7     964.2     938.5         946.6     932.5     933.5     925.1
  3        Treasury and Agency securities (2)              520.7     499.3     502.7     502.1     566.8     609.6     592.9     573.6         580.7     564.1     570.2     562.5
  3a         Trading account                                43.3      40.3      39.6      39.2      42.9      45.1      45.0      45.4          50.3      42.6      46.7      36.8
  3b         Investment account                            477.3     459.0     463.1     462.9     523.9     564.4     547.9     528.2         530.4     521.5     523.5     525.7
  3c           Mortgage-backed                             383.3     353.6     356.9     355.6     413.8     450.5     440.5     422.6         425.5     417.5     418.7     415.7
  3b           Other                                        94.0     105.4     106.2     107.2     110.2     114.0     107.5     105.7         104.9     104.1     104.8     110.0
  4        Other securities                                346.5     365.9     374.2     378.9     384.5     395.1     371.3     364.9         365.9     368.4     363.3     362.6
  4a         Trading account                               191.6     189.6     194.8     196.8     200.4     208.1     185.3     183.3         183.3     186.2     182.4     184.0
  4b         Investment account                            154.9     176.2     179.4     182.1     184.1     187.0     186.0     181.6         182.7     182.2     180.9     178.6
  4c           State and local government                   31.7      31.8      31.7      31.6      32.4      33.6      33.8      33.3          33.2      33.5      33.6      33.1
  4d           Other                                       123.2     144.5     147.8     150.5     151.6     153.3     152.2     148.3         149.5     148.7     147.3     145.6

  5     Loans and leases in bank credit (3)              2,217.5   2,212.2   2,224.3   2,247.5   2,266.5   2,265.1   2,263.7   2,285.0       2,281.8   2,290.0   2,293.8   2,288.0
  6        Commercial and industrial                       478.3     451.5     447.9     439.8     440.1     432.8     433.2     433.1         431.6     432.4     434.9     434.5
  7        Real estate                                   1,091.8   1,110.6   1,107.0   1,118.1   1,126.0   1,146.9   1,141.1   1,164.6       1,161.3   1,168.9   1,170.4   1,169.1
  8          Revolving home equity                         158.0     183.6     188.4     196.6     201.3     209.6     215.8     222.3         221.2     222.4     223.9     225.6
  9          Other                                         933.8     927.0     918.5     921.5     924.7     937.2     925.3     942.3         940.1     946.5     946.5     943.4
  9a           Other residential                           603.3     592.1     584.6     587.3     591.1     599.2     586.2     602.1         600.7     606.2     605.4     602.7
  9b           Commercial                                  330.5     334.9     333.9     334.1     333.5     338.0     339.1     340.2         339.4     340.2     341.1     340.7
  10       Consumer                                        315.8     325.5     321.2     321.4     321.5     323.8     325.6     327.2         326.4     328.7     328.3     326.1
  11       Security (4)                                     82.9      84.8      82.2      93.8      94.4      84.7      88.3      86.4          89.0      83.4      84.5      87.8
  11a        Fed funds and RPs with broker/dealer           63.1      66.7      63.6      74.7      73.8      64.7      67.1      64.1          66.1      60.6      62.0      67.0
  11b        Other                                          19.8      18.1      18.6      19.1      20.6      20.0      21.2      22.3          22.9      22.9      22.5      20.8
  12a      State and local government                       12.6      14.0      14.1      14.1      14.2      14.3      14.1      14.0          14.0      14.0      14.3      14.1
  12b      Agricultural                                      8.7       8.4       8.4       8.2       8.3       8.3       8.4       8.4           8.4       8.3       8.4       8.4
  12c      Fed funds and RPs with others                    27.3      26.2      29.5      27.1      32.5      26.9      23.7      18.1          18.7      17.3      19.3      17.1
  12d      All other loans                                  90.4      87.6     111.0     124.7     127.4     125.8     129.8     137.2         135.1     141.9     138.6     136.1
  12e      Lease financing receivables                     109.7     103.7     103.0     100.4     102.2     101.6      99.5      95.9          97.3      95.1      95.3      94.6

  13  Interbank loans                                      187.1     179.8     178.4     189.8     217.1     179.4     210.2     198.8         200.7     197.5     199.3     192.4
  13a   Fed funds and RPs with banks                       116.0     101.7      98.6      97.8     108.6      94.3      98.7      90.3          82.6      94.3      95.5      90.1
  13b   Other                                               71.1      78.0      79.8      92.1     108.5      85.0     111.6     108.6         118.1     103.2     103.9     102.3

  14  Cash assets (5)                                      139.6     149.7     140.6     148.3     147.9     149.3     154.5     152.0         153.1     152.4     148.7     156.1

  15  Other assets (6)                                     355.5     354.8     351.8     357.0     359.6     367.4     392.2     399.0         405.5     407.2     398.4     399.0

  16  TOTAL ASSETS (7)                                   3,722.5   3,718.7   3,728.3   3,782.4   3,901.9   3,925.5   3,945.9   3,934.8       3,949.3   3,941.2   3,935.4   3,922.2



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

  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)                                                                                           June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           2,114.9   2,148.4   2,156.8   2,160.0   2,171.8   2,245.5   2,267.9   2,305.2       2,301.3   2,304.3   2,305.1   2,316.4
  18    Transaction                                        303.4     294.2     296.9     289.3     296.1     312.7     307.7     296.2         282.2     311.0     323.1     277.8
  19    Nontransaction                                   1,811.5   1,854.1   1,859.9   1,870.7   1,875.6   1,932.8   1,960.1   2,009.0       2,019.1   1,993.3   1,981.9   2,038.6
  20       Large time                                      274.1     246.7     248.5     249.8     242.0     256.0     260.6     275.8         269.6     277.1     277.9     280.2
  21       Other                                         1,537.4   1,607.4   1,611.3   1,621.0   1,633.6   1,676.9   1,699.5   1,733.3       1,749.5   1,716.2   1,704.0   1,758.5

  22  Borrowings                                           727.0     716.4     721.2     738.2     775.6     739.8     727.3     710.7         713.5     710.5     721.3     698.6
  23    From banks in the U.S.                             209.3     190.1     179.4     186.2     204.7     179.1     185.4     186.7         185.0     188.7     190.8     189.4
  24    From others                                        517.7     526.3     541.8     552.0     570.9     560.7     541.9     524.0         528.6     521.8     530.5     509.2

  25  Net due to related foreign offices                   212.9     247.7     232.6     238.5     232.2     225.3     240.4     229.5         247.9     241.4     237.2     165.6

  26  Other liabilities                                    252.7     229.6     240.2     256.8     284.7     303.1     285.7     268.2         254.5     259.3     240.6     358.1

  27  TOTAL LIABILITIES                                  3,307.5   3,342.1   3,350.7   3,393.5   3,464.3   3,513.6   3,521.2   3,513.6       3,517.2   3,515.5   3,504.2   3,538.7

  28  Residual (assets less liabilities) (8)               415.0     376.6     377.6     388.9     437.7     411.9     424.6     421.2         432.1     425.7     431.1     383.5



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

  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                                                                                                   June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        3,079.2   3,103.5   3,121.1   3,135.3   3,207.2   3,239.9   3,213.6   3,226.1       3,226.9   3,223.0   3,224.6   3,228.2

  2     Securities in bank credit                          871.9     874.1     878.9     885.2     948.6     988.4     957.2     944.1         950.1     937.2     938.6     935.2
  3        Treasury and Agency securities (2)              529.4     507.4     501.5     498.9     562.7     598.0     592.7     583.4         588.6     574.3     580.2     574.6
  3a         Trading account                                44.0      40.7      39.6      39.0      43.2      44.7      45.3      46.1          50.9      43.4      47.3      37.7
  3b         Investment account                            485.4     466.7     461.8     459.9     519.5     553.3     547.3     537.3         537.7     530.9     532.9     536.9
  3c           Mortgage-backed                             389.9     360.2     355.6     353.3     408.5     440.4     439.2     429.9         431.5     424.9     426.8     424.1
  3d           Other                                        95.5     106.5     106.2     106.6     111.0     112.9     108.1     107.4         106.2     106.0     106.1     112.8
  4        Other securities                                342.5     366.8     377.4     386.3     385.9     390.4     364.6     360.7         361.5     362.9     358.3     360.6
  4a         Trading account                               189.4     190.1     196.4     200.6     201.2     205.6     181.9     181.2         181.0     183.4     179.9     182.9
  4b         Investment account                            153.1     176.7     181.0     185.7     184.7     184.7     182.6     179.5         180.5     179.5     178.4     177.6
  4c           State and local government                   31.3      31.8      31.9      32.3      32.6      33.2      33.1      32.9          32.8      33.0      33.1      32.9
  4d           Other                                       121.8     144.8     149.0     153.4     152.2     151.5     149.5     146.6         147.7     146.5     145.3     144.7

  5     Loans and leases in bank credit (3)              2,207.3   2,229.3   2,242.2   2,250.1   2,258.6   2,251.5   2,256.4   2,282.0       2,276.7   2,285.8   2,286.0   2,293.0
  6        Commercial and industrial                       480.2     453.1     447.5     435.9     438.3     433.1     435.2     434.9         433.1     434.1     435.2     436.3
  7        Real estate                                   1,087.2   1,123.3   1,113.9   1,118.6   1,125.4   1,140.2   1,138.5   1,168.6       1,166.7   1,172.8   1,173.4   1,173.5
  8          Revolving home equity                         158.4     183.7     188.1     195.6     201.7     207.9     215.0     223.0         221.8     223.2     224.5     226.2
  9        Other                                           928.7     939.6     925.8     923.0     923.7     932.3     923.4     945.6         944.9     949.7     949.0     947.3
  9a         Other residential                             598.5     602.5     590.6     588.8     589.9     596.0     585.0     604.2         603.7     608.3     606.9     605.2
  9b         Commercial                                    330.2     337.1     335.2     334.2     333.8     336.3     338.4     341.4         341.2     341.4     342.0     342.1
  10       Consumer                                        313.7     326.1     324.9     327.2     324.2     321.9     322.6     324.7         323.5     326.2     326.1     324.0
  10a        Credit card and related plans                  94.1     103.5     105.7     104.2      99.4      96.3      96.7      98.7          97.8     100.3      99.8      97.8
  10f        Other                                         219.6     222.6     219.2     222.9     224.7     225.6     225.9     226.0         225.8     225.9     226.2     226.2
  11       Security (4)                                     78.9      85.7      85.1      93.2      90.5      82.3      86.9      82.2          83.7      79.0      78.9      85.8
  11a        Fed funds and RPs with broker/dealer           60.1      67.5      65.9      74.2      70.7      62.9      66.0      61.0          62.2      57.4      57.9      65.5
  11b        Other                                          18.8      18.3      19.2      19.0      19.7      19.4      20.8      21.2          21.5      21.7      21.0      20.3
  12a      State and local government                       12.6      14.0      14.1      14.1      14.2      14.3      14.1      14.0          14.0      14.0      14.3      14.1
  12b      Agricultural                                      8.7       8.4       8.5       8.3       8.1       8.3       8.3       8.4           8.4       8.3       8.4       8.5
  12c      Fed funds and RPs with others                    27.3      26.2      29.5      27.1      32.5      26.9      23.7      18.1          18.7      17.3      19.3      17.1
  12d      All other loans                                  89.2      88.6     115.8     124.9     123.6     123.1     127.8     135.3         131.5     139.1     135.4     139.0
  12e      Lease financing receivables                     109.6     104.0     102.9     100.8     101.9     101.4      99.4      95.8          97.1      95.0      95.0      94.6

  13  Interbank loans                                      189.9     181.6     182.4     189.2     211.1     178.9     216.1     202.3         203.5     200.5     198.8     200.2
  13a   Fed funds and RPs with banks                       117.6     102.7     100.6      97.5     105.6      94.2     101.5      91.8          83.8      95.7      95.2      93.7
  13b   Other                                               72.3      78.9      81.7      91.7     105.5      84.7     114.7     110.5         119.8     104.8     103.6     106.4

  14  Cash assets (5)                                      136.6     155.8     151.9     156.4     148.2     143.8     153.4     148.1         145.7     141.0     145.7     166.0

  15  Other assets (6)                                     354.7     357.3     354.0     355.9     354.2     363.6     391.9     398.2         408.3     405.2     391.2     398.1

  16  TOTAL ASSETS (7)                                   3,716.0   3,755.5   3,765.7   3,795.5   3,879.9   3,885.3   3,936.3   3,936.1       3,945.8   3,931.2   3,921.9   3,953.7

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

  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)                                                                                       June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           2,100.6   2,159.8   2,174.3   2,159.8   2,176.4   2,235.6   2,271.4   2,288.9       2,282.5   2,279.8   2,273.6   2,327.6
  18    Transaction                                        298.9     296.9     317.8     297.3     292.7     308.2     314.1     291.4         274.5     301.4     316.4     285.4
  19    Nontransaction                                   1,801.7   1,862.9   1,856.4   1,862.6   1,883.8   1,927.5   1,957.3   1,997.5       2,007.9   1,978.4   1,957.2   2,042.2
  20       Large time                                      271.4     249.5     249.3     253.0     244.8     254.0     256.7     273.0         265.8     273.9     275.2     280.0
  21       Other                                         1,530.3   1,613.4   1,607.2   1,609.6   1,639.0   1,673.5   1,700.7   1,724.5       1,742.2   1,704.5   1,682.0   1,762.2

  22  Borrowings                                           742.6     709.4     710.7     734.5     773.2     728.8     734.3     727.0         733.2     723.1     728.5     717.4
  23    From banks in the U.S.                             210.0     187.4     178.1     182.7     201.7     180.5     190.4     187.2         186.6     188.0     187.3     190.9
  24    From others                                        532.7     522.0     532.6     551.8     571.5     548.2     543.9     539.8         546.5     535.1     541.3     526.5

  25  Net due to related foreign offices                   210.9     256.1     238.9     242.5     237.5     219.7     226.5     227.2         242.9     239.2     239.9     165.0

  26  Other liabilities                                    250.4     237.2     246.4     260.9     290.7     295.9     269.4     265.8         249.6     257.0     243.0     356.8

  27  TOTAL LIABILITIES                                  3,304.4   3,362.5   3,370.3   3,397.7   3,477.8   3,479.9   3,501.6   3,508.9       3,508.2   3,499.2   3,485.0   3,566.9

  28  Residual (assets less liabilities) (8)               411.5     393.0     395.4     397.8     402.1     405.4     434.6     427.2         437.6     432.0     436.9     386.8













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

  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                                                                                                       June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,402.9   2,493.2   2,525.4   2,552.9   2,571.0   2,593.4   2,655.3   2,663.4       2,664.4   2,660.5   2,665.3   2,662.3

  2     Securities in bank credit                          684.2     706.2     712.3     717.3     720.5     721.6     729.0     731.2         728.5     732.6     731.9     733.1
  3        Treasury and Agency securities (2)              478.8     498.0     501.8     505.2     507.9     508.3     515.5     522.5         520.8     522.9     522.3     524.4
  4        Other securities                                205.4     208.2     210.5     212.1     212.6     213.3     213.4     208.8         207.8     209.7     209.7     208.7

  5     Loans and leases in bank credit (3)              1,718.7   1,787.0   1,813.1   1,835.6   1,850.5   1,871.8   1,926.3   1,932.1       1,935.9   1,927.9   1,933.3   1,929.2
  6        Commercial and industrial                       292.7     305.9     307.2     312.0     312.9     314.7     313.4     311.9         311.0     312.1     312.8     312.1
  7        Real estate                                   1,036.0   1,074.2   1,090.9   1,104.7   1,116.0   1,133.0   1,188.5   1,195.0       1,203.4   1,190.0   1,192.1   1,188.6
  8          Revolving home equity                          81.1      89.6      92.3      94.7      96.4      98.7     101.7     104.1         103.1     104.0     104.7     105.9
  9          Other                                         954.9     984.6     998.6   1,010.0   1,019.5   1,034.3   1,086.8   1,090.9       1,100.3   1,086.0   1,087.4   1,082.7
  10       Consumer                                        279.7     299.6     307.4     309.7     311.9     314.9     314.5     314.9         311.0     315.6     317.6     319.0
  11       Security (4)                                      7.8       7.7       7.8       8.2       8.3       7.8       7.5       7.4           7.4       7.4       7.6       7.1
  12       Other loans and leases                          102.5      99.6      99.9     101.0     101.5     101.4     102.5     102.9         103.0     102.8     103.4     102.4

  13  Interbank loans                                      102.1      88.7      86.3      92.3      93.1      86.1      76.6      77.4          77.7      76.5      79.8      73.9

  14  Cash assets (5)                                      122.0     117.4     113.8     116.4     118.8     120.7     120.7     119.5         121.9     122.9     117.6     111.0

  15  Other assets (6)                                     146.1     155.5     161.2     159.4     162.9     165.6     169.3     175.1         176.8     166.0     167.2     196.8

  16  TOTAL ASSETS (7)                                   2,742.4   2,823.2   2,854.6   2,888.9   2,913.7   2,933.6   2,988.9   3,002.1       3,007.7   2,992.7   2,996.6   3,010.6

            L I A B I L I T I E S

  17  Deposits                                           2,100.1   2,155.3   2,166.4   2,182.4   2,190.5   2,198.8   2,211.8   2,228.4       2,227.3   2,225.6   2,228.8   2,237.6
  18    Transaction                                        318.5     330.7     334.7     329.6     336.4     347.4     341.6     345.1         335.9     346.8     357.1     350.3
  19    Nontransaction                                   1,781.6   1,824.6   1,831.7   1,852.9   1,854.1   1,851.4   1,870.2   1,883.3       1,891.4   1,878.8   1,871.7   1,887.3
  20       Large time                                      321.5     325.2     329.3     335.5     334.3     339.6     341.7     342.4         345.6     342.5     343.1     335.6
  21       Other                                         1,460.1   1,499.4   1,502.5   1,517.3   1,519.8   1,511.8   1,528.5   1,540.9       1,545.8   1,536.2   1,528.6   1,551.7

  22  Borrowings                                           397.2     434.0     441.2     453.7     455.8     452.8     485.7     492.2         496.9     491.8     490.1     488.6
  23    From banks in the U.S.                             150.5     161.8     166.6     176.1     182.0     177.5     209.2     197.3         214.0     187.4     188.1     185.6
  24    From others                                        246.7     272.2     274.6     277.6     273.8     275.3     276.4     294.9         282.9     304.4     301.9     303.0

  25  Net due to related foreign offices                    12.3      14.6      20.6      23.3      24.4      20.1      23.5      23.3          26.7      21.1      23.1      19.3

  26  Other liabilities                                     77.4      67.2      69.3      68.1      70.2      71.2      72.6      72.3          71.4      71.0      71.9      75.5

  27  TOTAL LIABILITIES                                  2,587.0   2,671.1   2,697.4   2,727.6   2,740.8   2,742.9   2,793.6   2,816.2       2,822.3   2,809.6   2,813.9   2,820.9

  28  Residual (assets less liabilities) (8)               155.4     152.1     157.2     161.3     172.8     190.7     195.3     185.9         185.4     183.2     182.7     189.7



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

  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                                                                                                   June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,396.6   2,508.3   2,542.1   2,557.1   2,567.9   2,583.7   2,644.5   2,657.0       2,661.1   2,655.3   2,659.1   2,650.8

  2     Securities in bank credit                          683.8     706.5     715.4     717.4     718.4     723.0     731.3     730.8         729.0     731.7     731.2     731.5
  3        Treasury and Agency securities (2)              478.4     498.3     504.9     505.3     505.8     509.8     517.8     522.0         521.2     522.0     521.5     522.8
  4        Other securities                                205.4     208.2     210.5     212.1     212.6     213.3     213.4     208.8         207.8     209.7     209.7     208.7

  5     Loans and leases in bank credit (3)              1,712.8   1,801.9   1,826.7   1,839.8   1,849.5   1,860.7   1,913.3   1,926.2       1,932.1   1,923.6   1,927.8   1,919.3
  6        Commercial and industrial                       294.8     304.9     307.2     311.4     312.8     315.2     314.7     314.0         313.3     314.3     314.7     313.6
  7        Real estate                                   1,032.0   1,085.7   1,096.8   1,105.5   1,115.4   1,126.5   1,179.9   1,190.7       1,200.5   1,186.8   1,188.5   1,181.3
  8          Revolving home equity                          81.1      89.5      92.2      94.3      96.2      98.2     101.5     104.1         103.4     104.0     104.7     105.7
  9          Other                                         950.9     996.2   1,004.6   1,011.2   1,019.2   1,028.3   1,078.5   1,086.5       1,097.1   1,082.8   1,083.9   1,075.6
  9b           Other residential                              --        --        --        --        --        --        --        --            --        --        --     460.0
  9c           Commercial                                     --        --        --        --        --        --        --        --            --        --        --     615.6
  10       Consumer                                        276.7     303.3     314.5     316.0     313.8     310.9     309.8     312.0         308.7     313.1     315.0     314.4
  10a        Credit card and related plans                 130.7     148.3     156.9     155.7     153.8     152.5     151.1     153.7         150.2     154.7     156.5     156.8
  10h        Other                                         146.0     155.0     157.6     160.4     160.0     158.4     158.7     158.3         158.5     158.4     158.6     157.6
  11       Security (4)                                      7.7       7.9       7.9       8.0       8.3       8.0       7.5       7.3           7.3       7.2       7.2       7.2
  12       Other loans and leases                          101.7     100.2     100.3      98.8      99.2     100.0     101.3     102.3         102.2     102.2     102.3     102.7

  13  Interbank loans                                       98.2      90.4      87.1      87.8      93.2      90.5      80.3      75.0          75.7      73.0      73.8      75.5

  14  Cash assets (5)                                      120.8     121.8     119.0     117.7     116.7     115.8     117.7     118.3         117.7     117.6     117.7     118.7

  15  Other assets (6)                                     146.1     155.5     161.2     159.4     162.9     165.6     169.3     175.1         176.8     166.0     167.2     196.8

  16  TOTAL ASSETS (7)                                   2,731.1   2,844.4   2,877.4   2,889.9   2,908.5   2,923.4   2,978.7   2,992.2       2,998.2   2,978.7   2,984.4   3,008.4

            L I A B I L I T I E S

  17  Deposits                                           2,095.9   2,166.1   2,179.4   2,178.0   2,180.9   2,197.0   2,215.8   2,224.0       2,222.5   2,214.8   2,217.8   2,248.3
  18    Transaction                                        314.6     333.9     347.3     333.3     332.0     343.3     342.3     341.0         330.1     338.3     351.7     355.3
  19    Nontransaction                                   1,781.3   1,832.2   1,832.0   1,844.7   1,848.9   1,853.7   1,873.4   1,883.0       1,892.4   1,876.5   1,866.1   1,893.1
  20       Large time                                      321.5     325.2     329.3     335.5     334.3     339.6     341.7     342.4         345.6     342.5     343.1     335.6
  21       Other                                         1,459.8   1,507.0   1,502.7   1,509.2   1,514.6   1,514.1   1,531.8   1,540.7       1,546.8   1,534.0   1,523.0   1,557.5

  22  Borrowings                                           397.2     434.0     441.2     453.7     455.8     452.8     485.7     492.2         496.9     491.8     490.1     488.6
  23    From banks in the U.S.                             150.5     161.8     166.6     176.1     182.0     177.5     209.2     197.3         214.0     187.4     188.1     185.6
  24    From others                                        246.7     272.2     274.6     277.6     273.8     275.3     276.4     294.9         282.9     304.4     301.9     303.0

  25  Net due to related foreign offices                    12.3      14.6      20.6      23.3      24.4      20.1      23.5      23.3          26.7      21.1      23.1      19.3

  26  Other liabilities                                     77.4      67.2      69.3      68.1      70.2      71.2      72.6      72.3          71.4      71.0      71.9      75.5

  27  TOTAL LIABILITIES                                  2,582.8   2,681.9   2,710.4   2,723.2   2,731.3   2,741.1   2,797.5   2,811.8       2,817.5   2,798.7   2,802.8   2,831.7

  28  Residual (assets less liabilities) (8)               148.2     162.5     167.0     166.7     177.3     182.4     181.2     180.4         180.7     180.0     181.6     176.7




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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                             June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          666.7     630.7     627.9     638.5     649.8     652.0     632.9     621.7         624.2     605.0     615.7     643.7

  2     Securities in bank credit                          282.9     263.7     265.9     261.3     265.6     265.1     262.4     255.0         251.6     250.1     254.9     260.6
  3        Treasury and Agency securities (2)              124.0      97.7      99.2      98.3      99.5      96.3      95.2      92.4          90.4      91.6      92.9      92.6
  4        Other securities                                158.9     166.0     166.7     163.0     166.1     168.8     167.2     162.6         161.2     158.5     162.0     168.0

  5     Loans and leases in bank credit (3)                383.8     367.0     362.0     377.2     384.2     386.9     370.5     366.7         372.6     354.9     360.8     383.1
  6        Commercial and industrial                       164.8     132.5     136.2     137.2     136.6     133.9     130.9     130.1         129.9     130.4     130.8     129.8
  7        Real estate                                      19.1      22.1      17.8      17.1      17.1      17.1      17.3      16.8          17.1      17.1      16.4      16.5
  11       Security (4)                                    125.2     136.1     124.9     131.1     138.8     147.4     137.9     134.7         142.2     120.9     127.6     150.7
  12       Other loans and leases                           74.8      76.4      83.1      91.8      91.8      88.6      84.5      85.0          83.4      86.6      86.0      86.1

  13  Interbank loans                                       29.4      36.7      31.7      35.5      32.5      30.6      33.5      35.9          39.1      33.8      34.7      34.7

  14  Cash assets (5)                                       49.2      51.4      49.8      55.3      57.1      60.3      64.2      67.2          67.9      70.3      70.1      60.1

  15  Other assets (6)                                      32.5      28.5      26.9      25.3      20.1      18.4      19.7      23.6          18.6      25.4      23.5      37.7

  16  TOTAL ASSETS (7)                                     777.3     747.0     735.9     754.2     759.0     760.9     750.0     748.0         749.3     734.1     743.6     775.8

            L I A B I L I T I E S

  17  Deposits                                             419.9     437.6     435.8     452.8     463.6     466.9     475.0     487.8         483.3     488.3     484.6     508.9
  18    Transaction                                         10.0      10.9      11.0      11.9      11.8      11.7      11.3      11.3          11.3      11.1      11.4      11.2
  19    Nontransaction                                     409.9     426.7     424.8     440.9     451.8     455.2     463.7     476.5         472.0     477.2     473.3     497.7

  22  Borrowings                                           319.5     306.6     317.4     326.7     337.3     342.3     336.0     320.5         324.3     307.5     315.3     326.0
  23    From banks in the U.S.                              34.6      34.8      43.1      39.4      42.0      46.2      41.3      40.2          37.3      40.3      41.1      42.8
  24    From others                                        284.8     271.8     274.3     287.3     295.3     296.1     294.7     280.3         286.9     267.3     274.2     283.2

  25  Net due to related foreign offices                   -75.7     -92.8    -110.4    -130.6    -150.7    -153.7    -169.2    -173.5        -174.6    -173.3    -175.9    -167.6

  26  Other liabilities                                    103.7     101.8      99.3     101.7     105.0     102.2     106.5     101.6         104.9      99.4     105.0      97.9

  27  TOTAL LIABILITIES                                    767.4     753.1     742.1     750.6     755.1     757.8     748.2     736.4         737.9     722.0     729.0     765.2

  28  Residual (assets less liabilities) (8)                10.0      -6.2      -6.3       3.7       3.9       3.0       1.8      11.6          11.4      12.1      14.6      10.6



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

  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                                                                                                                         June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          664.1     632.3     634.9     641.9     652.1     655.5     638.5     619.0         622.2     600.4     612.1     640.0

  2     Securities in bank credit (2)                      282.9     263.7     265.9     261.3     265.6     265.1     262.4     255.0         251.6     250.1     254.9     260.6
  3        Treasury and Agency securities                  124.0      97.7      99.2      98.3      99.5      96.3      95.2      92.4          90.4      91.6      92.9      92.6
  3a         Trading account                                41.8      32.7      35.2      33.6      35.5      34.0      33.7      32.2          30.3      31.8      31.7      33.3
  3b         Investment account                             82.2      65.0      64.0      64.7      64.0      62.3      61.5      60.2          60.1      59.8      61.2      59.3
  4        Other securities                                158.9     166.0     166.7     163.0     166.1     168.8     167.2     162.6         161.2     158.5     162.0     168.0
  4a         Trading account                               104.5     103.4     101.9      96.4      98.3     100.0      96.8      99.6          97.8      97.2     100.1     106.3
  4b         Investment account                             54.4      62.6      64.8      66.6      67.7      68.8      70.4      63.1          63.4      61.3      61.9      61.7

  5     Loans and leases in bank credit (3)                381.2     368.6     369.0     380.6     386.5     390.4     376.1     364.0         370.6     350.3     357.3     379.4
  6        Commercial and industrial                       164.8     131.9     137.3     137.9     138.2     135.8     131.9     130.1         130.1     130.5     130.2     129.8
  7        Real estate                                      19.1      22.1      17.8      17.1      17.1      17.1      17.3      16.8          17.1      17.1      16.4      16.5
  11       Security (4)                                    122.1     139.8     130.6     134.9     141.3     149.2     141.6     131.5         139.5     116.2     124.5     145.5
  12       Other loans and leases                           75.2      74.8      83.2      90.8      90.0      88.3      85.4      85.5          83.9      86.5      86.2      87.7

  13  Interbank loans                                       29.4      36.7      31.7      35.5      32.5      30.6      33.5      35.9          39.1      33.8      34.7      34.7

  14  Cash assets (5)                                       48.7      51.4      51.3      54.9      56.3      58.3      63.7      66.5          67.3      69.2      68.9      60.4

  15  Other assets (6)                                      33.0      28.0      27.3      27.0      21.2      18.5      19.0      24.1          19.1      25.8      24.0      38.4

  16  TOTAL ASSETS (7)                                     774.8     748.0     744.8     759.0     761.7     762.5     754.2     745.0         747.2     728.6     739.4     773.2

            L I A B I L I T I E S

  17  Deposits                                             429.5     426.9     435.0     458.7     469.7     471.5     484.5     498.9         493.9     497.8     497.2     520.4
  18    Transaction                                          9.8      10.8      11.3      12.2      11.8      11.3      11.1      11.1          11.0      10.8      11.2      11.3
  19    Nontransaction                                     419.7     416.2     423.6     446.5     457.8     460.2     473.4     487.8         482.9     487.0     486.0     509.2

  22  Borrowings                                           319.5     306.6     317.4     326.7     337.3     342.3     336.0     320.5         324.3     307.5     315.3     326.0
  23    From banks in the U.S.                              34.6      34.8      43.1      39.4      42.0      46.2      41.3      40.2          37.3      40.3      41.1      42.8
  24    From others                                        284.8     271.8     274.3     287.3     295.3     296.1     294.7     280.3         286.9     267.3     274.2     283.2

  25  Net due to related foreign offices                   -77.8     -90.2    -108.8    -129.9    -151.1    -154.2    -171.6    -175.3        -175.7    -175.2    -177.6    -170.0

  26  Other liabilities                                    102.0     103.9     100.6     102.3     104.7     101.7     104.4     100.0         103.9      97.6     103.5      95.8

  27  TOTAL LIABILITIES                                    773.2     747.2     744.1     757.9     760.6     761.3     753.3     744.1         746.3     727.7     738.4     772.2

  28  Residual (assets less liabilities) (8)                 1.6       0.8       0.7       1.1       1.1       1.1       1.0       0.9           0.9       0.9       0.9       0.9







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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars                                                                                                                         June 14, 2004


               Account                                    2003      2003      2003      2004      2004      2004      2004      2004                      Week ending
                                                           May       Nov       Dec       Jan       Feb       Mar       Apr       May         May 12    May 19    May 26     Jun 2 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)             124.4     112.4     120.0     125.7     125.6     129.4     106.9     101.8         101.6     103.6     102.0     100.2

  30  Reval. losses on off-bal. sheet items (9)            105.2      94.5     103.7     110.5     114.7     118.9      93.2      85.7          86.0      87.1      84.9      83.7

  31  Mortgage-backed securities (10)                      436.4     414.0     412.2     411.7     468.5     501.0     497.9     486.7         489.0     481.3     480.9     482.1
  31a   Pass-through                                       321.2     298.4     294.2     293.0     347.6     379.6     383.0     376.9         376.9     372.8     374.5     374.5
  31b   CMO, REMIC, and other                              115.2     115.5     118.0     118.7     120.9     121.4     114.9     109.8         112.0     108.5     106.4     107.6

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                  11.1       3.1       3.6       4.8       8.5      13.3       5.1      -5.6          -6.2      -7.0      -5.0      -5.7

  33  Securitized consumer loans (12)                      129.8     137.7     138.5     140.0     139.4     141.3     139.1     136.4         136.6     135.2     135.9     137.7
  33a   Credit card and related plans                      112.4     118.8     119.3     120.8     120.4     121.1     119.4     117.2         117.2     115.9     116.8     118.6
  33b   Other                                               17.4      18.9      19.3      19.2      18.9      20.2      19.8      19.3          19.4      19.3      19.2      19.1

  35  Securitized business loans (12)                       10.2       7.5       7.2       7.2       7.1       7.0       7.1       7.4           7.4       7.4       7.4       7.4


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      329.4     325.1     331.6     328.4     327.7     332.9     336.1     336.7         336.4     337.0     335.7     336.3

  33  Securitized consumer loans (12)                      231.0     231.4     232.1     234.3     231.6     232.5     229.5     224.7         226.9     223.0     223.9     223.7
  33a   Credit card and related plans                      223.6     224.0     224.7     226.7     224.1     225.3     222.4     217.5         219.8     215.7     216.6     216.4
  33b   Other                                                7.4       7.4       7.4       7.6       7.4       7.2       7.1       7.2           7.1       7.3       7.3       7.3


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              72.5      63.9      63.9      63.7      62.9      61.9      58.6      60.7          62.2      59.9      59.9      61.0

  30  Reval. losses on off-bal. sheet items (9)             72.6      66.3      66.9      68.4      69.2      68.0      65.0      62.5          67.7      59.3      59.2      60.0

  34  Securitized business loans (12)                        3.0       1.3       1.2       0.9       0.4       0.4       0.4       0.4           0.4       0.4       0.4       0.4











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                     June 14, 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. Total amount outstanding. 
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