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H.8 (510)
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For use at 4:15 p.m. Eastern Time
Seasonally adjusted, billions of dollars January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 6,249.6 6,587.2 6,601.7 6,630.8 6,696.7 6,709.2 6,750.0 6,772.7 6,747.4 6,744.8 6,773.7 6,806.7
2 Securities in bank credit 1,850.7 1,933.0 1,907.2 1,913.8 1,923.8 1,918.3 1,924.6 1,930.5 1,930.0 1,920.2 1,930.8 1,942.1
3 Treasury and Agency securities (2) 1,103.8 1,188.9 1,180.4 1,182.4 1,177.6 1,149.2 1,146.5 1,149.7 1,159.1 1,157.6 1,167.0 1,161.5
4 Other securities 746.9 744.1 726.7 731.5 746.2 769.1 778.0 780.8 770.8 762.6 763.8 780.5
5 Loans and leases in bank credit (3) 4,398.9 4,654.2 4,694.5 4,717.0 4,772.9 4,790.9 4,825.4 4,842.2 4,817.4 4,824.6 4,842.9 4,864.7
6 Commercial and industrial 891.7 878.2 882.6 889.3 891.5 892.6 897.6 905.7 905.5 909.7 912.3 919.3
7 Real estate 2,215.4 2,409.3 2,417.6 2,433.9 2,458.4 2,491.3 2,515.4 2,537.6 2,543.0 2,541.2 2,554.6 2,565.3
8 Revolving home equity 280.8 337.6 346.9 358.2 369.5 383.3 393.1 398.4 398.3 399.8 403.0 404.5
9 Other 1,934.7 2,071.7 2,070.7 2,075.7 2,089.0 2,107.9 2,122.3 2,139.3 2,144.7 2,141.5 2,151.7 2,160.7
10 Consumer 629.8 644.2 672.4 673.0 674.8 671.3 666.1 674.3 672.6 685.9 685.4 680.8
11 Security (4) 215.2 248.1 243.5 238.8 254.5 247.5 242.5 221.5 197.0 190.7 192.3 194.7
12 Other loans and leases 446.8 474.5 478.4 482.0 493.7 488.4 503.8 503.1 499.3 497.1 498.3 504.6
13 Interbank loans 297.5 317.9 367.2 361.1 365.6 357.1 344.2 319.7 325.7 320.8 289.1 277.6
14 Cash assets (5) 301.4 334.9 329.9 321.7 324.3 319.3 320.4 323.4 339.7 298.6 322.6 334.9
15 Other assets (6) 540.2 599.7 622.0 623.7 630.7 617.2 631.6 636.8 633.0 638.6 629.7 634.4
16 TOTAL ASSETS (7) 7,312.6 7,767.8 7,849.4 7,865.6 7,945.4 7,930.9 7,974.3 7,981.0 7,973.8 7,930.5 7,944.1 7,982.8
L I A B I L I T I E S
17 Deposits 4,765.3 5,124.3 5,154.4 5,173.9 5,191.2 5,211.9 5,267.6 5,296.9 5,319.7 5,261.7 5,321.7 5,336.8
18 Transaction 648.2 683.0 657.3 669.4 682.6 666.3 667.5 674.3 714.8 700.1 609.7 637.1
19 Nontransaction 4,117.1 4,441.2 4,497.0 4,504.5 4,508.7 4,545.6 4,600.1 4,622.6 4,605.0 4,561.6 4,712.0 4,699.7
20 Large time 999.5 1,118.4 1,150.7 1,157.8 1,158.7 1,171.1 1,176.7 1,185.2 1,179.4 1,188.2 1,218.2 1,215.5
21 Other 3,117.7 3,322.8 3,346.3 3,346.7 3,350.0 3,374.5 3,423.4 3,437.4 3,425.6 3,373.4 3,493.8 3,484.3
22 Borrowings 1,476.4 1,577.4 1,591.7 1,580.3 1,613.5 1,594.3 1,583.3 1,557.6 1,527.6 1,531.6 1,485.4 1,462.5
23 From banks in the U.S. 386.1 434.0 457.8 443.3 458.2 438.9 424.6 391.5 393.1 385.8 353.6 337.8
24 From others 1,090.3 1,143.4 1,133.9 1,136.9 1,155.3 1,155.4 1,158.7 1,166.1 1,134.4 1,145.8 1,131.8 1,124.7
25 Net due to related foreign offices 143.3 43.6 52.9 36.9 41.2 36.0 18.9 38.9 51.6 65.4 55.9 67.1
26 Other liabilities 402.2 454.6 474.7 486.6 485.7 476.7 494.7 486.3 475.8 472.1 475.5 482.0
27 TOTAL LIABILITIES 6,787.3 7,199.8 7,273.8 7,277.7 7,331.6 7,318.8 7,364.5 7,379.7 7,374.7 7,330.7 7,338.5 7,348.5
28 Residual (assets less liabilities) (8) 525.4 568.0 575.7 588.0 613.8 612.1 609.8 601.2 599.1 599.8 605.6 634.3
-------------------------------------------------
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 January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 6,292.1 6,582.0 6,583.5 6,615.9 6,697.0 6,721.3 6,785.5 6,817.4 6,793.7 6,797.7 6,801.2 6,823.7
2 Securities in bank credit 1,854.8 1,935.1 1,901.8 1,911.6 1,919.7 1,916.2 1,933.3 1,938.5 1,935.5 1,924.9 1,937.5 1,947.2
3 Treasury and Agency securities (2) 1,104.7 1,192.7 1,178.8 1,178.3 1,170.5 1,144.3 1,154.3 1,153.4 1,161.7 1,154.4 1,161.5 1,157.8
4 Other securities 750.0 742.4 723.0 733.4 749.2 771.9 779.0 785.2 773.9 770.6 776.1 789.4
5 Loans and leases in bank credit (3) 4,437.4 4,647.0 4,681.7 4,704.3 4,777.3 4,805.2 4,852.2 4,878.9 4,858.2 4,872.8 4,863.7 4,876.5
6 Commercial and industrial 892.5 880.7 881.4 884.6 888.5 891.3 897.5 906.0 907.8 914.1 912.8 913.9
7 Real estate 2,228.3 2,403.9 2,413.0 2,435.5 2,465.7 2,499.4 2,531.8 2,546.6 2,549.0 2,548.1 2,553.8 2,566.6
8 Revolving home equity 280.3 338.7 347.6 359.4 371.0 384.3 393.1 397.3 397.5 398.5 400.7 402.1
9 Other 1,948.0 2,065.1 2,065.5 2,076.2 2,094.7 2,115.1 2,138.7 2,149.3 2,151.5 2,149.6 2,153.1 2,164.5
10 Consumer 640.6 637.5 665.3 669.8 676.1 673.8 670.6 685.9 687.7 703.9 699.0 693.7
10a Credit card and related plans 263.0 255.1 286.0 289.6 293.6 290.3 288.6 305.5 308.0 322.3 320.1 314.6
10b Other 377.6 382.3 379.3 380.2 382.6 383.5 382.0 380.4 379.7 381.6 378.9 379.1
11 Security (4) 223.9 247.9 239.7 231.0 249.2 249.4 247.8 231.9 206.8 197.2 190.7 199.2
12 Other loans and leases 452.1 477.1 482.3 483.4 497.7 491.3 504.5 508.5 506.9 509.5 507.4 503.1
13 Interbank loans 302.3 319.3 363.7 361.1 357.7 351.1 347.9 323.8 325.0 322.8 291.9 275.6
14 Cash assets (5) 319.2 326.9 324.5 312.1 326.1 324.7 330.4 342.3 353.8 338.3 350.3 337.4
15 Other assets (6) 542.9 596.2 622.9 625.5 633.0 620.2 634.1 638.2 632.0 645.2 637.0 636.9
16 TOTAL ASSETS (7) 7,380.6 7,752.6 7,823.4 7,842.9 7,941.8 7,946.1 8,026.1 8,050.0 8,032.5 8,031.9 8,009.5 8,003.0
L I A B I L I T I E S
17 Deposits 4,795.3 5,124.2 5,139.6 5,152.4 5,181.8 5,206.3 5,278.7 5,325.9 5,330.8 5,317.1 5,364.7 5,352.2
18 Transaction 682.5 675.5 655.0 650.9 674.4 665.1 673.3 711.5 749.8 784.3 650.2 648.7
19 Nontransaction 4,112.8 4,448.7 4,484.6 4,501.5 4,507.3 4,541.2 4,605.4 4,614.4 4,581.0 4,532.8 4,714.5 4,703.6
20 Large time 999.0 1,125.1 1,147.8 1,150.2 1,147.5 1,155.4 1,167.1 1,183.1 1,179.1 1,188.0 1,219.4 1,226.6
21 Other 3,113.8 3,323.6 3,336.8 3,351.4 3,359.8 3,385.9 3,438.2 3,431.3 3,401.9 3,344.8 3,495.1 3,477.0
22 Borrowings 1,466.0 1,587.8 1,593.0 1,576.6 1,617.5 1,591.8 1,576.2 1,544.0 1,521.8 1,515.2 1,474.8 1,448.1
23 From banks in the U.S. 384.8 433.3 457.7 445.8 458.7 439.0 422.1 389.8 392.6 383.7 351.8 333.8
24 From others 1,081.2 1,154.4 1,135.3 1,130.8 1,158.8 1,152.8 1,154.2 1,154.2 1,129.1 1,131.4 1,122.9 1,114.3
25 Net due to related foreign offices 151.2 39.7 45.5 37.0 44.9 41.3 27.9 46.3 58.5 77.0 58.4 70.5
26 Other liabilities 409.6 450.5 466.0 486.4 490.3 483.2 507.4 496.1 485.0 484.9 478.3 486.0
27 TOTAL LIABILITIES 6,822.1 7,202.1 7,244.0 7,252.3 7,334.5 7,322.7 7,390.1 7,412.3 7,396.1 7,394.1 7,376.2 7,356.8
28 Residual (assets less liabilities) (8) 558.4 550.5 579.4 590.5 607.3 623.5 636.0 637.7 636.4 637.8 633.3 646.2
-------------------------------------------------
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 January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 5,621.7 5,936.0 5,946.2 5,982.6 6,039.6 6,043.8 6,064.9 6,130.1 6,134.8 6,142.7 6,156.7 6,170.1
2 Securities in bank credit 1,584.7 1,670.7 1,647.2 1,652.1 1,661.8 1,646.6 1,642.4 1,661.6 1,669.3 1,659.8 1,656.2 1,662.2
3 Treasury and Agency securities (2) 1,004.6 1,095.4 1,088.7 1,090.1 1,086.5 1,056.8 1,056.5 1,066.5 1,076.6 1,078.3 1,083.7 1,077.1
4 Other securities 580.1 575.3 558.4 562.0 575.3 589.8 585.9 595.1 592.7 581.5 572.4 585.1
5 Loans and leases in bank credit (3) 4,037.0 4,265.3 4,299.0 4,330.5 4,377.8 4,397.2 4,422.5 4,468.5 4,465.5 4,482.8 4,500.5 4,507.9
6 Commercial and industrial 755.7 746.9 749.4 753.6 758.1 758.3 762.3 767.8 768.7 771.2 773.3 776.9
7 Real estate 2,197.6 2,392.9 2,401.2 2,418.1 2,443.1 2,475.7 2,499.2 2,521.3 2,526.7 2,525.1 2,538.5 2,549.1
8 Revolving home equity 280.8 337.6 346.9 358.2 369.5 383.3 393.1 398.4 398.3 399.8 403.0 404.5
9 Other 1,916.8 2,055.4 2,054.3 2,059.9 2,073.6 2,092.4 2,106.1 2,122.9 2,128.4 2,125.3 2,135.5 2,144.5
10 Consumer 629.8 644.2 672.4 673.0 674.8 671.3 666.1 674.3 672.6 685.9 685.4 680.8
11 Security (4) 90.0 97.4 86.6 92.1 98.9 94.5 88.4 97.7 93.3 97.3 99.3 95.9
12 Other loans and leases 363.9 383.9 389.4 393.8 402.9 397.3 406.5 407.5 404.2 403.3 404.1 405.2
13 Interbank loans 265.8 288.6 335.4 328.6 332.6 324.5 303.0 278.3 284.4 276.6 248.2 238.3
14 Cash assets (5) 251.5 277.5 268.8 261.2 264.1 260.3 261.3 264.8 282.4 239.2 263.9 275.1
15 Other assets (6) 513.3 564.0 583.3 586.9 589.6 581.3 595.8 599.0 595.7 597.9 594.5 606.6
16 TOTAL ASSETS (7) 6,576.7 6,994.6 7,062.7 7,088.1 7,154.5 7,138.5 7,153.5 7,201.0 7,225.9 7,184.4 7,192.7 7,219.8
L I A B I L I T I E S
17 Deposits 4,329.6 4,599.9 4,605.9 4,632.7 4,660.1 4,674.8 4,733.9 4,764.8 4,789.3 4,741.4 4,779.5 4,788.5
18 Transaction 637.2 670.9 645.9 658.1 671.4 654.0 655.5 661.8 702.5 688.1 597.6 624.6
19 Nontransaction 3,692.4 3,929.0 3,960.0 3,974.5 3,988.6 4,020.8 4,078.5 4,103.0 4,086.7 4,053.3 4,181.9 4,163.9
20 Large time 577.1 624.1 631.6 639.9 648.3 651.8 657.1 667.4 663.0 681.7 689.9 683.4
21 Other 3,115.3 3,304.9 3,328.4 3,334.6 3,340.3 3,369.0 3,421.4 3,435.5 3,423.7 3,371.6 3,492.0 3,480.5
22 Borrowings 1,159.2 1,242.1 1,260.9 1,259.9 1,281.8 1,258.3 1,221.6 1,223.3 1,233.6 1,228.5 1,185.6 1,162.4
23 From banks in the U.S. 343.2 386.3 417.3 401.5 407.9 393.1 373.5 340.7 348.3 336.5 312.2 303.6
24 From others 816.0 855.8 843.6 858.3 873.9 865.3 848.2 882.5 885.3 892.0 873.4 858.8
25 Net due to related foreign offices 253.7 221.6 235.3 211.7 203.0 197.1 184.4 209.4 211.4 229.0 233.2 247.3
26 Other liabilities 302.9 367.3 388.3 400.2 398.5 387.9 396.1 394.6 389.1 385.7 388.6 392.6
27 TOTAL LIABILITIES 6,045.4 6,430.8 6,490.4 6,504.4 6,543.3 6,518.2 6,536.1 6,592.1 6,623.4 6,584.7 6,586.8 6,590.9
28 Residual (assets less liabilities) (8) 531.3 563.8 572.3 583.7 611.1 620.3 617.5 608.9 602.5 599.7 605.8 628.9
-------------------------------------------------
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 January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 5,657.3 5,931.0 5,932.0 5,976.8 6,047.2 6,059.3 6,098.7 6,168.8 6,178.2 6,187.1 6,182.5 6,185.1
2 Securities in bank credit 1,588.8 1,672.7 1,641.8 1,649.9 1,657.7 1,644.5 1,651.1 1,669.6 1,674.9 1,664.5 1,662.9 1,667.3
3 Treasury and Agency securities (2) 1,005.5 1,099.2 1,087.1 1,086.0 1,079.4 1,051.9 1,064.2 1,070.2 1,079.2 1,075.1 1,078.2 1,073.3
4 Other securities 583.3 573.5 554.7 563.9 578.3 592.6 586.9 599.4 595.7 589.4 584.7 594.0
5 Loans and leases in bank credit (3) 4,068.5 4,258.2 4,290.2 4,326.9 4,389.5 4,414.9 4,447.6 4,499.2 4,503.2 4,522.6 4,519.6 4,517.8
6 Commercial and industrial 755.2 749.9 748.9 750.3 756.3 758.6 762.9 767.2 769.2 773.1 772.2 771.0
7 Real estate 2,210.4 2,387.5 2,396.6 2,419.7 2,450.3 2,483.9 2,515.6 2,530.2 2,532.7 2,531.9 2,537.6 2,550.4
8 Revolving home equity 280.3 338.7 347.6 359.4 371.0 384.3 393.1 397.3 397.5 398.5 400.7 402.1
9 Other 1,930.2 2,048.8 2,049.1 2,060.4 2,079.3 2,099.6 2,122.5 2,132.9 2,135.2 2,133.4 2,137.0 2,148.3
9a Other residential -- 1,069.8 1,050.8 1,051.0 1,058.9 1,070.9 1,083.0 1,085.8 1,086.1 1,083.7 1,085.8 1,095.0
9b Commercial -- 979.0 998.2 1,009.3 1,020.3 1,028.6 1,039.5 1,047.2 1,049.1 1,049.8 1,051.1 1,053.3
10 Consumer 640.6 637.5 665.3 669.8 676.1 673.8 670.6 685.9 687.7 703.9 699.0 693.7
10a Credit card and related plans 263.0 255.1 286.0 289.6 293.6 290.3 288.6 305.5 308.0 322.3 320.1 314.6
10d Other 377.6 382.3 379.3 380.2 382.6 383.5 382.0 380.4 379.7 381.6 378.9 379.1
11 Security (4) 93.1 98.3 87.0 92.9 100.4 97.8 89.4 101.9 101.0 98.8 97.7 98.0
12 Other loans and leases 369.2 385.1 392.4 394.1 406.3 400.8 409.1 414.0 412.6 414.8 413.0 404.7
13 Interbank loans 270.6 290.0 331.9 328.6 324.7 318.5 306.7 282.4 283.7 278.5 251.0 236.4
14 Cash assets (5) 267.9 269.9 263.9 251.6 264.8 264.7 271.3 281.6 293.4 276.3 290.9 277.9
15 Other assets (6) 515.5 560.6 585.3 589.0 593.6 585.4 598.9 599.9 594.6 603.8 600.5 607.1
16 TOTAL ASSETS (7) 6,635.7 6,980.0 7,042.4 7,074.7 7,158.7 7,157.1 7,204.3 7,261.3 7,278.3 7,274.1 7,254.5 7,236.2
L I A B I L I T I E S
17 Deposits 4,360.4 4,592.3 4,592.6 4,618.7 4,660.2 4,687.0 4,758.0 4,796.9 4,800.9 4,794.3 4,822.6 4,797.8
18 Transaction 671.2 663.4 643.6 639.7 663.2 652.7 661.4 698.6 737.0 771.4 637.5 635.9
19 Nontransaction 3,689.2 3,928.9 3,949.0 3,979.0 3,997.1 4,034.2 4,096.6 4,098.3 4,063.9 4,022.9 4,185.1 4,161.9
20 Large time 577.8 623.5 630.1 639.6 646.7 653.6 660.3 668.8 663.8 679.9 691.9 688.6
21 Other 3,111.4 3,305.4 3,318.9 3,339.4 3,350.3 3,380.6 3,436.3 3,429.4 3,400.1 3,342.9 3,493.2 3,473.2
22 Borrowings 1,148.7 1,252.5 1,262.2 1,256.2 1,285.7 1,255.9 1,214.5 1,209.7 1,227.8 1,212.1 1,175.0 1,148.0
23 From banks in the U.S. 341.9 385.6 417.1 404.0 408.3 393.2 370.9 339.1 347.8 334.5 310.4 299.6
24 From others 806.8 866.9 845.0 852.2 877.4 862.7 843.6 870.6 880.0 877.6 864.6 848.4
25 Net due to related foreign offices 260.1 219.9 229.4 211.3 205.2 199.9 190.8 215.3 217.3 236.2 234.7 249.9
26 Other liabilities 309.0 364.9 380.7 399.8 402.0 392.7 406.8 403.5 397.7 395.5 390.7 396.1
27 TOTAL LIABILITIES 6,078.2 6,429.6 6,464.8 6,486.0 6,553.2 6,535.4 6,570.1 6,625.4 6,643.7 6,638.1 6,623.0 6,591.8
28 Residual (assets less liabilities) (8) 557.4 550.3 577.6 588.8 605.5 621.7 634.2 636.0 634.6 636.0 631.5 644.5
-------------------------------------------------
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 January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 3,121.4 3,258.7 3,262.3 3,287.7 3,331.2 3,334.6 3,336.1 3,385.2 3,383.5 3,393.8 3,405.9 3,417.4
2 Securities in bank credit 872.6 936.2 920.8 929.1 944.8 943.0 932.4 953.2 963.1 956.7 945.8 949.8
3 Treasury and Agency securities (2) 504.0 576.0 569.7 573.1 575.1 551.7 550.0 563.8 577.1 578.8 578.5 570.5
3a Trading account 38.9 40.5 38.1 40.4 48.0 41.0 45.6 35.0 35.8 33.3 32.6 32.3
3b Investment account 465.1 535.5 531.5 532.7 527.2 510.7 504.4 528.8 541.2 545.5 545.8 538.2
3c Mortgage-backed 358.9 423.3 421.4 423.5 418.3 405.8 399.5 425.7 438.2 440.9 442.1 433.5
3b Other 106.2 112.2 110.1 109.2 108.9 104.9 104.8 103.1 103.1 104.5 103.7 104.7
4 Other securities 368.6 360.2 351.1 356.0 369.6 391.3 382.4 389.3 386.0 377.9 367.3 379.3
4a Trading account 189.3 179.6 189.6 191.8 200.9 210.6 202.1 211.0 208.0 202.3 193.1 201.6
4b Investment account 179.3 180.6 161.5 164.2 168.7 180.7 180.3 178.4 178.1 175.6 174.2 177.7
4c State and local government 31.6 33.2 33.1 32.9 33.3 33.6 33.5 33.0 33.1 32.6 32.3 32.9
4d Other 147.7 147.5 128.4 131.3 135.4 147.2 146.8 145.4 145.0 143.0 142.0 144.8
5 Loans and leases in bank credit (3) 2,248.8 2,322.5 2,341.5 2,358.6 2,386.4 2,391.6 2,403.8 2,432.0 2,420.4 2,437.1 2,460.2 2,467.6
6 Commercial and industrial 452.0 433.0 433.7 434.5 435.9 434.3 434.8 438.8 439.1 441.6 441.8 445.1
7 Real estate 1,114.7 1,181.2 1,184.7 1,193.6 1,203.7 1,220.9 1,234.3 1,247.0 1,245.3 1,244.2 1,270.1 1,277.7
8 Revolving home equity 189.1 229.8 237.0 245.1 253.7 263.9 271.0 275.9 276.1 277.4 279.3 280.9
9 Other 925.6 951.4 947.7 948.5 950.0 957.0 963.3 971.1 969.2 966.8 990.8 996.8
9a Other residential 589.1 605.2 600.6 599.7 600.2 604.3 607.1 612.9 609.2 607.8 629.5 635.5
9b Commercial 336.5 346.2 347.2 348.8 349.8 352.7 356.2 358.3 360.0 359.0 361.3 361.4
10 Consumer 335.6 337.6 357.6 356.4 358.0 358.1 353.8 354.7 352.5 363.5 358.2 357.3
11 Security (4) 82.3 90.4 79.6 85.0 91.6 87.0 80.6 90.1 85.5 89.7 91.7 88.5
11a Fed funds and RPs with broker/dealer 63.7 69.5 59.1 65.3 71.6 67.6 59.8 69.7 65.9 68.3 69.7 66.6
11b Other 18.6 20.9 20.5 19.7 20.0 19.4 20.7 20.4 19.7 21.4 22.0 21.9
12a State and local government 13.7 14.8 15.3 15.7 15.9 16.2 16.2 16.5 16.6 16.7 16.9 16.6
12b Agricultural 8.4 9.2 9.2 9.2 9.3 9.5 9.5 9.6 9.7 9.7 9.4 9.4
12c Fed funds and RPs with others 28.0 19.3 22.2 23.1 29.7 24.6 27.1 27.0 27.0 26.8 25.3 21.7
12d All other loans 110.8 142.5 146.3 148.5 150.2 149.0 154.9 153.9 150.2 150.2 152.6 156.7
12e Lease financing receivables 103.3 94.4 92.9 92.6 92.2 92.0 92.5 94.5 94.5 94.7 94.2 94.6
13 Interbank loans 180.0 214.2 260.1 254.6 257.4 246.1 218.8 197.9 201.9 197.8 169.4 162.4
13a Fed funds and RPs with banks 100.3 106.5 143.0 138.8 140.2 122.3 121.4 123.4 124.1 123.4 111.2 101.7
13b Other 79.7 107.7 117.1 115.9 117.2 123.9 97.4 74.5 77.8 74.4 58.2 60.7
14 Cash assets (5) 139.6 157.1 149.9 142.0 144.9 140.4 141.8 146.7 160.3 128.3 148.6 149.5
15 Other assets (6) 359.3 403.8 406.7 410.6 411.2 413.6 427.9 432.6 431.4 431.6 421.6 438.9
16 TOTAL ASSETS (7) 3,756.5 3,995.1 4,041.0 4,056.9 4,106.8 4,096.5 4,086.7 4,125.1 4,139.8 4,114.0 4,109.0 4,131.9
-------------------------------------------------
Footnotes appear on page 14.
H.8 (510) Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued) January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
L I A B I L I T I E S
17 Deposits 2,172.4 2,335.2 2,329.0 2,338.7 2,353.9 2,356.6 2,398.6 2,415.6 2,432.4 2,399.3 2,421.0 2,422.2
18 Transaction 303.5 315.1 303.8 313.4 323.2 311.7 315.8 319.8 347.7 335.4 274.7 289.9
19 Nontransaction 1,868.9 2,020.1 2,025.1 2,025.3 2,030.6 2,044.9 2,082.8 2,095.8 2,084.7 2,063.9 2,146.3 2,132.4
20 Large time 251.1 287.8 292.2 293.7 297.1 295.1 296.7 305.2 302.1 317.4 319.5 313.3
21 Other 1,617.8 1,732.3 1,732.9 1,731.7 1,733.6 1,749.8 1,786.1 1,790.6 1,782.5 1,746.5 1,826.7 1,819.1
22 Borrowings 732.8 747.0 761.4 771.4 788.9 769.9 732.2 740.0 743.4 740.2 719.4 697.8
23 From banks in the U.S. 180.7 196.1 221.6 214.6 216.9 215.1 193.0 171.7 176.5 164.5 162.0 152.2
24 From others 552.1 551.0 539.8 556.7 571.9 554.8 539.2 568.3 566.9 575.7 557.4 545.7
25 Net due to related foreign offices 233.2 205.8 221.2 198.7 192.1 187.2 177.1 200.7 200.7 218.9 221.8 234.1
26 Other liabilities 234.6 295.8 312.9 323.4 319.9 313.9 319.6 317.4 311.3 308.7 310.6 315.0
27 TOTAL LIABILITIES 3,372.9 3,583.8 3,624.5 3,632.2 3,654.7 3,627.5 3,627.5 3,673.7 3,687.8 3,667.1 3,672.8 3,669.2
28 Residual (assets less liabilities) (8) 383.5 411.3 416.5 424.7 452.1 469.0 459.2 451.4 452.1 446.9 436.3 462.7
-------------------------------------------------
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 January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 3,141.3 3,262.3 3,257.3 3,286.5 3,336.2 3,341.5 3,355.2 3,405.7 3,403.5 3,414.0 3,427.3 3,429.1
2 Securities in bank credit 874.6 936.9 917.5 930.4 944.0 942.1 942.5 958.3 963.4 957.0 953.0 955.7
3 Treasury and Agency securities (2) 502.8 578.4 570.1 572.5 571.3 548.1 559.1 564.6 574.3 571.1 573.4 567.5
3a Trading account 39.0 40.8 38.0 40.2 47.4 40.2 46.0 35.0 35.6 32.8 32.6 32.0
3b Investment account 463.8 537.6 532.1 532.3 523.9 507.8 513.1 529.5 538.8 538.2 540.9 535.6
3c Mortgage-backed 357.6 424.7 422.4 423.5 416.1 404.9 407.2 426.4 436.5 435.2 437.5 431.9
3d Other 106.2 113.0 109.8 108.8 107.8 102.9 105.9 103.2 102.3 103.0 103.4 103.6
4 Other securities 371.8 358.5 347.4 357.9 372.6 394.1 383.4 393.7 389.0 385.9 379.6 388.2
4a Trading account 191.0 178.7 187.6 192.8 202.6 212.1 202.7 213.3 209.6 206.6 199.5 206.3
4b Investment account 180.8 179.7 159.8 165.0 170.1 182.0 180.7 180.4 179.5 179.3 180.0 181.9
4c State and local government 31.9 33.0 32.8 33.1 33.6 33.8 33.6 33.4 33.3 33.3 33.3 33.7
4d Other 148.9 146.7 127.0 132.0 136.5 148.2 147.2 147.0 146.1 146.0 146.7 148.2
5 Loans and leases in bank credit (3) 2,266.7 2,325.4 2,339.8 2,356.1 2,392.3 2,399.4 2,412.6 2,447.4 2,440.1 2,457.0 2,474.3 2,473.4
6 Commercial and industrial 451.5 434.1 433.1 433.0 436.0 435.4 436.5 438.1 438.8 441.9 440.6 440.1
7 Real estate 1,121.7 1,183.6 1,184.8 1,194.9 1,205.4 1,221.8 1,238.0 1,248.8 1,244.3 1,243.7 1,269.9 1,278.6
8 Revolving home equity 188.8 230.7 237.5 246.1 254.6 264.3 271.1 275.2 275.6 276.2 278.0 279.1
9 Other 932.9 953.0 947.4 948.8 950.8 957.5 966.9 973.6 968.8 967.5 991.9 999.5
9a Other residential 595.2 606.2 600.3 600.0 600.7 604.6 609.3 614.4 608.9 608.2 630.2 637.2
9b Commercial 337.7 346.7 347.0 348.9 350.1 352.9 357.5 359.2 359.8 359.3 361.7 362.3
10 Consumer 339.3 335.4 354.4 354.9 358.8 358.4 354.4 358.6 357.3 370.9 366.1 363.9
10a Credit card and related plans 112.0 103.7 126.8 127.2 129.5 130.5 128.0 133.9 133.0 145.3 143.2 141.3
10f Other 227.4 231.6 227.7 227.7 229.4 227.9 226.4 224.7 224.3 225.7 222.8 222.6
11 Security (4) 85.2 91.3 80.0 85.7 93.1 90.3 81.5 94.3 93.4 91.5 90.1 90.7
11a Fed funds and RPs with broker/dealer 66.0 70.3 59.4 65.8 72.9 70.2 60.5 72.9 71.9 69.6 68.5 68.2
11b Other 19.2 21.0 20.6 19.9 20.3 20.1 21.0 21.3 21.5 21.8 21.6 22.5
12a State and local government 13.7 14.8 15.3 15.7 15.9 16.2 16.2 16.5 16.6 16.7 16.9 16.6
12b Agricultural 8.4 9.3 9.3 9.2 9.3 9.4 9.5 9.7 9.7 9.9 9.7 9.6
12c Fed funds and RPs with others 28.0 19.3 22.2 23.1 29.7 24.6 27.1 27.0 27.0 26.8 25.3 21.7
12d All other loans 115.6 143.3 147.9 147.1 151.8 150.7 156.6 160.0 158.9 160.7 160.7 157.0
12e Lease financing receivables 103.3 94.2 92.8 92.5 92.2 92.6 92.8 94.4 94.1 94.9 95.0 95.2
13 Interbank loans 184.0 217.0 259.0 255.0 250.9 239.2 221.1 202.1 203.9 204.6 172.1 160.9
13a Fed funds and RPs with banks 102.4 107.9 142.4 139.0 136.7 118.9 122.6 126.1 125.3 127.6 113.0 100.8
13b Other 81.6 109.1 116.6 116.0 114.2 120.4 98.5 76.0 78.6 77.0 59.1 60.1
14 Cash assets (5) 150.7 150.2 145.1 134.3 144.2 143.2 147.9 158.9 169.9 153.6 166.3 153.5
15 Other assets (6) 361.5 400.4 408.7 412.7 415.1 417.8 431.0 433.4 430.3 437.5 427.6 439.4
16 TOTAL ASSETS (7) 3,793.6 3,991.0 4,032.3 4,050.4 4,108.5 4,104.1 4,117.2 4,162.8 4,170.2 4,172.4 4,156.9 4,146.6
-------------------------------------------------
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) January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
L I A B I L I T I E S
17 Deposits 2,190.3 2,328.9 2,322.0 2,328.7 2,355.2 2,366.6 2,411.4 2,434.6 2,438.9 2,433.7 2,447.2 2,429.8
18 Transaction 324.8 311.9 301.7 299.2 316.6 309.1 318.5 343.7 371.4 389.9 297.3 296.6
19 Nontransaction 1,865.5 2,017.0 2,020.3 2,029.5 2,038.5 2,057.5 2,092.8 2,090.9 2,067.5 2,043.8 2,149.9 2,133.2
20 Large time 251.9 287.3 290.7 293.3 295.5 297.0 299.9 306.6 302.9 315.6 321.5 318.5
21 Other 1,613.6 1,729.7 1,729.6 1,736.2 1,743.0 1,760.5 1,792.9 1,784.3 1,764.6 1,728.2 1,828.4 1,814.7
22 Borrowings 722.4 757.4 762.7 767.7 792.8 767.4 725.1 726.5 737.6 723.8 708.7 683.4
23 From banks in the U.S. 179.4 195.4 221.4 217.1 217.4 215.2 190.4 170.1 176.0 162.5 160.2 148.1
24 From others 543.0 562.0 541.2 550.6 575.4 552.2 534.7 556.4 561.6 561.3 548.5 535.3
25 Net due to related foreign offices 239.5 204.2 215.3 198.4 194.3 190.0 183.5 206.6 206.7 226.0 223.3 236.8
26 Other liabilities 240.7 293.5 305.3 322.9 323.4 318.6 330.3 326.2 319.9 318.6 312.7 318.5
27 TOTAL LIABILITIES 3,392.8 3,583.9 3,605.2 3,617.7 3,665.7 3,642.6 3,650.2 3,693.9 3,703.0 3,702.1 3,692.0 3,668.5
28 Residual (assets less liabilities) (8) 400.8 407.1 427.1 432.7 442.8 461.4 467.0 468.8 467.2 470.3 465.0 478.1
-------------------------------------------------
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 January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 2,499.3 2,678.6 2,684.0 2,693.0 2,705.4 2,709.4 2,727.0 2,743.8 2,751.5 2,748.3 2,748.4 2,750.2
2 Securities in bank credit 711.1 735.8 726.5 721.2 714.1 703.7 708.3 707.3 706.3 702.5 708.0 709.9
3 Treasury and Agency securities (2) 499.6 520.7 519.2 515.1 508.4 505.2 504.8 501.6 499.6 499.0 502.9 504.1
4 Other securities 211.5 215.0 207.3 206.0 205.7 198.5 203.5 205.7 206.7 203.5 205.1 205.8
5 Loans and leases in bank credit (3) 1,788.2 1,942.8 1,957.6 1,971.9 1,991.3 2,005.6 2,018.7 2,036.5 2,045.1 2,045.7 2,040.3 2,040.3
6 Commercial and industrial 303.7 314.0 315.7 319.1 322.2 324.0 327.5 329.0 329.6 329.6 331.5 331.8
7 Real estate 1,082.8 1,211.7 1,216.5 1,224.4 1,239.4 1,254.8 1,264.9 1,274.3 1,281.4 1,280.9 1,268.4 1,271.3
8 Revolving home equity 91.6 107.8 109.9 113.1 115.8 119.4 122.1 122.5 122.1 122.4 123.7 123.6
9 Other 991.2 1,104.0 1,106.6 1,111.4 1,123.6 1,135.4 1,142.7 1,151.8 1,159.2 1,158.5 1,144.7 1,147.7
10 Consumer 294.1 306.6 314.8 316.6 316.8 313.2 312.3 319.5 320.1 322.4 327.1 323.5
11 Security (4) 7.8 7.0 7.0 7.1 7.3 7.5 7.8 7.6 7.7 7.6 7.6 7.4
12 Other loans and leases 99.8 103.5 103.5 104.6 105.6 106.1 106.2 106.0 106.2 105.2 105.8 106.2
13 Interbank loans 85.8 74.4 75.2 74.0 75.2 78.4 84.2 80.4 82.5 78.7 78.8 76.0
14 Cash assets (5) 111.9 120.4 118.8 119.2 119.2 119.9 119.5 118.1 122.1 110.9 115.3 125.6
15 Other assets (6) 153.9 160.2 176.6 176.3 178.5 167.7 167.9 166.5 164.3 166.3 172.9 167.7
16 TOTAL ASSETS (7) 2,819.3 3,000.9 3,021.8 3,029.4 3,044.7 3,042.1 3,065.2 3,074.8 3,086.1 3,069.8 3,081.2 3,085.4
L I A B I L I T I E S
17 Deposits 2,157.2 2,264.7 2,276.9 2,294.0 2,306.2 2,318.3 2,335.4 2,349.2 2,356.9 2,342.1 2,358.5 2,366.3
18 Transaction 333.7 355.8 342.0 344.8 348.2 342.4 339.6 342.0 354.9 352.7 322.8 334.8
19 Nontransaction 1,823.5 1,908.9 1,934.9 1,949.2 1,958.0 1,975.9 1,995.7 2,007.2 2,002.1 1,989.4 2,035.6 2,031.6
20 Large time 326.0 336.3 339.4 346.3 351.2 356.6 360.4 362.2 360.9 364.3 370.4 370.1
21 Other 1,497.5 1,572.6 1,595.5 1,602.9 1,606.8 1,619.3 1,635.3 1,645.0 1,641.2 1,625.1 1,665.2 1,661.5
22 Borrowings 426.4 495.1 499.5 488.5 492.9 488.5 489.4 483.2 490.2 488.3 466.3 464.5
23 From banks in the U.S. 162.5 190.2 195.7 186.9 190.9 178.0 180.5 169.0 171.7 172.0 150.2 151.4
24 From others 263.9 304.9 303.8 301.6 302.0 310.5 309.0 314.2 318.5 316.3 316.0 313.1
25 Net due to related foreign offices 20.6 15.8 14.1 13.0 10.9 9.9 7.3 8.7 10.7 10.2 11.4 13.2
26 Other liabilities 68.3 71.5 75.3 76.8 78.6 74.1 76.5 77.3 77.8 77.0 78.0 77.7
27 TOTAL LIABILITIES 2,672.5 2,847.0 2,865.9 2,872.2 2,888.6 2,890.6 2,908.6 2,918.4 2,935.6 2,917.6 2,914.1 2,921.7
28 Residual (assets less liabilities) (8) 146.8 153.9 155.9 157.1 156.0 151.5 156.5 156.4 150.5 152.2 167.2 163.8
-------------------------------------------------
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 January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 2,516.0 2,668.7 2,674.7 2,690.3 2,711.0 2,717.8 2,743.5 2,763.2 2,774.7 2,773.2 2,755.2 2,756.1
2 Securities in bank credit 714.2 735.8 724.3 719.5 713.7 702.3 708.5 711.3 711.6 707.5 709.9 711.6
3 Treasury and Agency securities (2) 502.7 520.8 517.0 513.5 508.0 503.8 505.0 505.6 504.9 504.0 504.8 505.8
4 Other securities 211.5 215.0 207.3 206.0 205.7 198.5 203.5 205.7 206.7 203.5 205.1 205.8
5 Loans and leases in bank credit (3) 1,801.8 1,932.8 1,950.4 1,970.8 1,997.2 2,015.5 2,035.0 2,051.8 2,063.1 2,065.6 2,045.3 2,044.5
6 Commercial and industrial 303.7 315.7 315.9 317.3 320.3 323.3 326.4 329.1 330.4 331.3 331.6 330.8
7 Real estate 1,088.8 1,203.9 1,211.8 1,224.8 1,244.9 1,262.2 1,277.7 1,281.4 1,288.4 1,288.2 1,267.7 1,271.8
8 Revolving home equity 91.5 108.0 110.1 113.3 116.5 120.1 122.0 122.1 121.9 122.3 122.7 123.0
9 Other 997.3 1,095.9 1,101.7 1,111.5 1,128.5 1,142.1 1,155.6 1,159.3 1,166.5 1,165.9 1,145.0 1,148.8
9b Other residential -- 463.6 450.5 451.1 458.2 466.3 473.7 471.3 477.2 475.5 455.6 457.9
9c Commercial -- 632.3 651.2 660.4 670.3 675.7 682.0 688.0 689.3 690.5 689.4 691.0
10 Consumer 301.3 302.1 310.8 314.9 317.3 315.3 316.2 327.3 330.4 333.0 332.9 329.8
10a Credit card and related plans 151.1 151.4 159.2 162.5 164.1 159.8 160.7 171.6 175.0 177.0 176.8 173.3
10h Other 150.2 150.7 151.6 152.5 153.2 155.6 155.6 155.7 155.4 156.0 156.1 156.5
11 Security (4) 7.8 7.0 7.0 7.2 7.2 7.5 7.9 7.7 7.6 7.3 7.6 7.4
12 Other loans and leases 100.2 104.2 105.0 106.5 107.5 107.2 106.7 106.4 106.3 105.8 105.5 104.6
13 Interbank loans 86.6 73.0 72.9 73.6 73.8 79.3 85.7 80.2 79.9 73.9 79.0 75.5
14 Cash assets (5) 117.2 119.7 118.9 117.4 120.6 121.4 123.5 122.7 123.5 122.7 124.6 124.4
15 Other assets (6) 153.9 160.2 176.6 176.3 178.5 167.7 167.9 166.5 164.3 166.3 172.9 167.7
16 TOTAL ASSETS (7) 2,842.0 2,989.0 3,010.1 3,024.3 3,050.2 3,053.0 3,087.1 3,098.6 3,108.1 3,101.7 3,097.6 3,089.7
L I A B I L I T I E S
17 Deposits 2,170.1 2,263.4 2,270.6 2,290.0 2,305.0 2,320.4 2,346.6 2,362.2 2,362.0 2,360.5 2,375.4 2,368.0
18 Transaction 346.4 351.5 341.9 340.5 346.5 343.7 342.9 354.9 365.6 381.5 340.1 339.3
19 Nontransaction 1,823.7 1,911.9 1,928.8 1,949.4 1,958.5 1,976.7 2,003.8 2,007.4 1,996.4 1,979.1 2,035.2 2,028.7
20 Large time 326.0 336.3 339.4 346.3 351.2 356.6 360.4 362.2 360.9 364.3 370.4 370.1
21 Other 1,497.8 1,575.6 1,589.3 1,603.2 1,607.3 1,620.1 1,643.4 1,645.1 1,635.5 1,614.8 1,664.9 1,658.6
22 Borrowings 426.4 495.1 499.5 488.5 492.9 488.5 489.4 483.2 490.2 488.3 466.3 464.5
23 From banks in the U.S. 162.5 190.2 195.7 186.9 190.9 178.0 180.5 169.0 171.7 172.0 150.2 151.4
24 From others 263.9 304.9 303.8 301.6 302.0 310.5 309.0 314.2 318.5 316.3 316.0 313.1
25 Net due to related foreign offices 20.6 15.8 14.1 13.0 10.9 9.9 7.3 8.7 10.7 10.2 11.4 13.2
26 Other liabilities 68.3 71.5 75.3 76.8 78.6 74.1 76.5 77.3 77.8 77.0 78.0 77.7
27 TOTAL LIABILITIES 2,685.4 2,845.8 2,859.6 2,868.2 2,887.5 2,892.8 2,919.9 2,931.5 2,940.7 2,936.0 2,931.0 2,923.3
28 Residual (assets less liabilities) (8) 156.6 143.2 150.5 156.1 162.7 160.2 167.2 167.1 167.4 165.7 166.6 166.4
-------------------------------------------------
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 January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 627.8 651.2 655.5 648.2 657.1 665.4 685.1 642.6 612.6 602.2 617.0 636.6
2 Securities in bank credit 266.0 262.3 260.0 261.7 262.0 271.7 282.2 268.9 260.6 260.4 274.6 279.9
3 Treasury and Agency securities (2) 99.2 93.5 91.7 92.3 91.1 92.4 90.1 83.2 82.5 79.3 83.2 84.5
4 Other securities 166.8 168.9 168.3 169.5 170.9 179.3 192.1 185.7 178.1 181.1 191.4 195.4
5 Loans and leases in bank credit (3) 361.9 388.9 395.5 386.5 395.1 393.7 402.9 373.7 351.9 341.8 342.4 356.8
6 Commercial and industrial 136.1 131.3 133.2 135.7 133.5 134.3 135.2 137.9 136.8 138.5 139.1 142.4
7 Real estate 17.9 16.3 16.4 15.8 15.4 15.5 16.2 16.4 16.3 16.2 16.1 16.2
11 Security (4) 125.1 150.7 156.9 146.8 155.6 153.0 154.1 123.8 103.7 93.4 93.1 98.8
12 Other loans and leases 82.8 90.6 88.9 88.2 90.7 91.0 97.3 95.5 95.1 93.7 94.2 99.4
13 Interbank loans 31.7 29.3 31.8 32.5 33.1 32.6 41.2 41.4 41.3 44.3 40.9 39.2
14 Cash assets (5) 49.8 57.5 61.2 60.4 60.1 59.0 59.1 58.6 57.3 59.3 58.7 59.8
15 Other assets (6) 26.9 35.7 38.7 36.9 41.1 35.9 35.8 37.8 37.3 40.8 35.3 27.7
16 TOTAL ASSETS (7) 735.9 773.2 786.7 777.5 791.0 792.4 820.8 780.0 747.9 746.1 751.5 763.0
L I A B I L I T I E S
17 Deposits 435.7 524.4 548.5 541.2 531.2 537.0 533.7 532.1 530.5 520.2 542.2 548.3
18 Transaction 11.0 12.1 11.5 11.2 11.1 12.3 12.0 12.5 12.2 11.9 12.1 12.5
19 Nontransaction 424.8 512.3 537.0 530.0 520.0 524.8 521.7 519.6 518.3 508.3 530.1 535.8
22 Borrowings 317.3 335.3 330.8 320.4 331.8 335.9 361.7 334.3 294.0 303.1 299.8 300.1
23 From banks in the U.S. 42.9 47.7 40.5 41.8 50.4 45.8 51.2 50.7 44.9 49.3 41.4 34.2
24 From others 274.3 287.6 290.3 278.6 281.4 290.1 310.5 283.6 249.1 253.8 258.4 265.9
25 Net due to related foreign offices -110.4 -178.0 -182.4 -174.8 -161.9 -161.1 -165.5 -170.5 -159.9 -163.7 -177.3 -180.1
26 Other liabilities 99.3 87.3 86.5 86.3 87.2 88.7 98.6 91.7 86.7 86.4 86.9 89.4
27 TOTAL LIABILITIES 741.9 769.0 783.3 773.2 788.3 800.6 828.4 787.6 751.3 746.1 751.7 757.7
28 Residual (assets less liabilities) (8) -6.0 4.2 3.4 4.3 2.7 -8.2 -7.6 -7.7 -3.4 0.0 -0.2 5.3
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H.8 (510) Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
A S S E T S
1 Bank credit 634.8 651.1 651.5 639.1 649.8 662.0 686.8 648.6 615.5 610.6 618.7 638.6
2 Securities in bank credit (2) 266.0 262.3 260.0 261.7 262.0 271.7 282.2 268.9 260.6 260.4 274.6 279.9
3 Treasury and Agency securities 99.2 93.5 91.7 92.3 91.1 92.4 90.1 83.2 82.5 79.3 83.2 84.5
3a Trading account 35.2 35.0 34.1 34.1 36.1 34.6 32.4 27.4 27.0 24.5 27.9 28.5
3b Investment account 64.0 58.5 57.6 58.1 54.9 57.8 57.7 55.8 55.5 54.8 55.4 55.9
4 Other securities 166.8 168.9 168.3 169.5 170.9 179.3 192.1 185.7 178.1 181.1 191.4 195.4
4a Trading account 101.9 104.0 103.4 104.4 104.0 108.6 118.9 115.5 109.7 112.8 117.3 121.1
4b Investment account 64.8 64.8 64.9 65.1 67.0 70.7 73.2 70.2 68.5 68.4 74.0 74.3
5 Loans and leases in bank credit (3) 368.8 388.7 391.5 377.4 387.7 390.3 404.6 379.7 354.9 350.2 344.1 358.7
6 Commercial and industrial 137.2 130.8 132.4 134.2 132.2 132.6 134.6 138.9 138.6 140.9 140.7 142.9
7 Real estate 17.9 16.3 16.4 15.8 15.4 15.5 16.2 16.4 16.3 16.2 16.1 16.2
11 Security (4) 130.9 149.6 152.7 138.1 148.8 151.6 158.4 130.0 105.8 98.4 93.0 101.2
12 Other loans and leases 82.9 92.0 90.0 89.2 91.4 90.6 95.4 94.5 94.2 94.7 94.4 98.4
13 Interbank loans 31.7 29.3 31.8 32.5 33.1 32.6 41.2 41.4 41.3 44.3 40.9 39.2
14 Cash assets (5) 51.4 57.0 60.5 60.5 61.3 60.1 59.1 60.7 60.5 62.0 59.4 59.5
15 Other assets (6) 27.4 35.6 37.6 36.5 39.4 34.8 35.2 38.4 37.3 41.4 36.5 29.9
16 TOTAL ASSETS (7) 744.9 772.6 781.0 768.2 783.1 789.0 821.8 788.7 754.2 757.8 755.1 766.8
L I A B I L I T I E S
17 Deposits 434.9 531.8 547.0 533.7 521.6 519.4 520.7 529.0 529.9 522.9 542.1 554.4
18 Transaction 11.3 12.0 11.4 11.1 11.3 12.4 11.9 12.9 12.8 12.9 12.7 12.8
19 Nontransaction 423.5 519.8 535.6 522.6 510.3 507.0 508.8 516.1 517.1 509.9 529.4 541.7
22 Borrowings 317.3 335.3 330.8 320.4 331.8 335.9 361.7 334.3 294.0 303.1 299.8 300.1
23 From banks in the U.S. 42.9 47.7 40.5 41.8 50.4 45.8 51.2 50.7 44.9 49.3 41.4 34.2
24 From others 274.3 287.6 290.3 278.6 281.4 290.1 310.5 283.6 249.1 253.8 258.4 265.9
25 Net due to related foreign offices -108.8 -180.3 -183.9 -174.4 -160.3 -158.6 -163.0 -169.0 -158.9 -159.2 -176.2 -179.5
26 Other liabilities 100.6 85.6 85.3 86.6 88.3 90.5 100.6 92.6 87.3 89.3 87.6 89.9
27 TOTAL LIABILITIES 743.9 772.4 779.2 766.4 781.3 787.3 820.0 786.9 752.4 756.0 753.3 765.0
28 Residual (assets less liabilities) (8) 1.0 0.2 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8
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H.8 (510) Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars January 21, 2005
Account 2003 2004 2004 2004 2004 2004 2004 2004 Week ending
Dec Jun Jul Aug Sep Oct Nov Dec Dec 22 Dec 29 Jan 5 Jan 12
-------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- -------
LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers
29 Reval. gains on off-bal. sheet items (9) 117.1 96.8 105.4 111.3 109.2 107.9 95.7 103.7 100.7 98.2 92.1 96.9
30 Reval. losses on off-bal. sheet items (9) 100.6 83.0 94.7 102.0 99.2 96.4 90.5 95.1 90.8 89.8 83.1 85.9
31 Mortgage-backed securities (10) 412.7 483.3 483.0 488.6 486.4 475.5 479.0 495.6 504.4 502.3 505.3 500.7
31a Pass-through 295.5 376.2 376.5 378.4 373.4 363.4 366.0 384.3 393.9 393.1 394.7 390.6
31b CMO, REMIC, and other 117.2 107.1 106.5 110.2 113.0 112.0 113.0 111.3 110.6 109.2 110.5 110.2
32 Net unrealized gains (losses) on
available-for-sale securities (11) 3.2 -2.8 -2.3 0.7 2.7 2.5 1.6 1.5 1.5 0.6 1.3 2.0
33 Securitized consumer loans (12) 150.1 149.3 152.1 151.7 150.5 150.1 153.8 157.3 157.2 157.2 157.2 156.6
33a Credit card and related plans 130.9 129.1 130.2 130.2 129.5 128.0 130.3 132.9 132.9 133.0 133.1 132.6
33b Other 19.3 20.2 21.9 21.5 21.0 22.0 23.6 24.3 24.3 24.2 24.1 24.0
35 Securitized business loans (12) 7.2 7.3 7.2 6.8 6.6 6.5 6.5 6.4 6.4 6.4 6.4 6.4
SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers
31 Mortgage-backed securities (10) 330.8 336.6 334.1 332.1 330.3 330.8 337.3 342.5 342.0 341.5 343.9 343.8
33 Securitized consumer loans (12) 220.5 213.2 215.7 214.5 213.9 220.7 221.9 222.4 222.7 223.5 221.1 221.4
33a Credit card and related plans 213.1 206.0 208.4 207.2 206.6 213.4 214.6 215.2 215.4 216.2 213.8 214.1
33b Other 7.4 7.2 7.3 7.3 7.3 7.3 7.2 7.3 7.3 7.3 7.3 7.3
FOREIGN-RELATED INSTITUTIONS
29 Reval. gains on off-bal. sheet items (9) 63.9 58.7 58.4 57.3 56.8 59.9 64.5 58.9 54.9 56.3 54.1 55.0
30 Reval. losses on off-bal. sheet items (9) 66.9 58.9 60.5 59.7 59.3 64.1 71.2 64.8 60.5 61.9 60.3 61.7
34 Securitized business loans (12) 1.2 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3
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Footnotes appear on page 14.
H.8 (510) Footnotes Page 14
January 21, 2005
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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