----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 1 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Commercial Banks in the United States 1 Seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 9,204.6 9,409.8 9,441.4 9,458.5 9,613.0 9,992.6 9,921.8 9,927.9 9,777.2 9,843.2 9,803.5 9,748.7 2 Securities in bank credit 2,424.3 2,481.8 2,506.1 2,492.1 2,545.7 2,726.3 2,730.6 2,766.0 2,686.4 2,761.9 2,733.8 2,691.8 3 Treasury and Agency securities 1,128.2 1,120.4 1,122.1 1,134.1 1,158.9 1,231.4 1,265.4 1,256.0 1,264.4 1,288.5 1,290.5 1,279.4 2 4 Other securities 3 1,296.1 1,361.4 1,384.0 1,358.0 1,386.8 1,494.9 1,465.2 1,509.9 1,422.0 1,473.4 1,443.4 1,412.4 5 Loans and leases in bank credit 6,780.3 6,928.0 6,935.3 6,966.4 7,067.3 7,266.3 7,191.3 7,162.0 7,090.8 7,081.3 7,069.7 7,056.9 4 6 Commercial and industrial 1,432.6 1,509.0 1,516.9 1,518.9 1,547.0 1,610.7 1,605.3 1,584.4 1,565.0 1,568.5 1,571.2 1,568.5 7 Real estate 3,579.0 3,658.6 3,638.7 3,657.4 3,675.0 3,799.4 3,790.3 3,787.2 3,757.5 3,761.6 3,772.2 3,778.5 8 Revolving home equity 483.5 519.1 524.3 527.0 540.9 578.3 580.8 587.1 589.8 590.5 591.3 590.3 9 Other residential 1,492.3 1,452.3 1,438.4 1,448.3 1,447.9 1,499.2 1,482.6 1,468.7 1,442.0 1,447.5 1,457.1 1,465.6 10 Commercial 1,603.1 1,687.3 1,676.0 1,682.2 1,686.2 1,721.9 1,726.9 1,731.3 1,725.6 1,723.7 1,723.8 1,722.6 11 Consumer 809.2 832.4 840.2 846.1 852.9 871.3 876.5 881.9 883.0 896.9 899.7 902.1 12 Credit cards and other 351.1 347.1 351.0 358.3 364.9 382.4 388.0 389.1 390.0 399.5 398.6 397.5 revolving plans 13 Other 458.0 485.3 489.2 487.8 488.0 488.9 488.6 492.8 493.0 497.4 501.2 504.6 14 Security 5 287.4 286.1 301.1 311.5 336.0 306.2 271.5 248.3 242.0 221.0 211.3 198.1 15 Fed funds and RPs with 232.5 235.3 247.8 258.6 271.3 241.5 220.9 206.0 200.0 178.6 170.7 159.7 brokers 16 Other 54.9 50.8 53.3 53.0 64.7 64.8 50.6 42.3 42.0 42.4 40.7 38.4 17 Other loans and leases 672.0 641.9 638.3 632.5 656.4 678.7 647.6 660.3 643.3 633.3 615.2 609.7 18 Interbank loans 435.7 456.2 440.3 433.7 460.1 441.2 343.2 359.9 443.9 414.5 450.1 438.8 19 Fed funds and RPs with banks 6 352.4 369.0 361.2 355.1 384.1 358.8 264.9 295.1 382.7 350.4 386.6 374.7 20 Other 83.3 87.2 79.1 78.7 76.1 82.3 78.4 64.8 61.2 64.0 63.5 64.1 21 Cash assets 7 297.2 303.9 301.1 302.5 374.0 587.2 874.0 1,010.2 1,072.0 1,051.3 998.5 930.9 22 Other assets 8 958.5 1,004.8 1,018.5 1,016.2 1,039.1 1,084.6 1,130.3 1,146.3 1,106.2 1,107.3 1,105.6 1,100.0 23 Total Assets 9 10,819.5 11,071.5 11,090.2 11,097.1 11,367.1 11,976.5 12,136.8 12,311.2 12,258.5 12,275.7 12,218.4 12,079.7 Liabilities 24 Deposits 6,655.6 6,933.6 6,910.0 6,938.4 7,091.0 7,138.8 7,076.5 7,262.3 7,308.2 7,343.0 7,361.4 7,349.4 25 Transaction 600.9 602.0 618.0 595.4 633.4 671.7 696.4 764.1 779.9 692.2 687.5 655.1 26 Nontransaction 6,054.7 6,331.7 6,292.1 6,343.0 6,457.6 6,467.1 6,380.1 6,498.1 6,528.4 6,650.8 6,674.0 6,694.4 27 Large time 2,010.1 2,126.6 2,133.9 2,131.8 2,162.0 2,063.6 1,938.9 1,983.9 1,979.4 2,000.6 1,996.5 1,975.5 28 Other 4,044.6 4,205.0 4,158.2 4,211.2 4,295.7 4,403.5 4,441.3 4,514.2 4,549.0 4,650.2 4,677.5 4,718.8 29 Borrowings 2,263.1 2,329.9 2,357.9 2,379.7 2,424.9 2,649.0 2,630.1 2,492.2 2,470.9 2,406.9 2,458.6 2,407.9 30 From banks in the U.S. 480.3 481.8 479.8 477.9 480.5 457.3 401.1 377.2 442.7 414.2 449.7 422.9 31 From others 1,782.9 1,848.1 1,878.1 1,901.7 1,944.4 2,191.7 2,229.0 2,115.0 2,028.2 1,992.6 2,008.9 1,985.0 32 Net due to related foreign offices 73.6 -17.6 -50.2 -103.9 -80.5 165.5 388.7 429.5 480.2 465.6 392.8 344.4 33 Other liabilities 662.5 671.4 671.7 671.0 713.0 804.6 842.2 939.4 867.2 919.9 887.8 853.7 34 Total Liabilities 9,654.8 9,917.4 9,889.4 9,885.2 10,148.4 10,757.9 10,937.6 11,123.3 11,126.5 11,135.4 11,100.6 10,955.4 35 Residual (assets less liabilities) 1,164.6 1,154.1 1,200.8 1,212.0 1,218.8 1,218.6 1,199.2 1,187.8 1,132.1 1,140.3 1,117.7 1,124.3 10 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 2 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Commercial Banks in the United States 1 Not seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 9,257.3 9,375.5 9,370.5 9,392.1 9,591.6 10,000.3 9,976.9 9,984.4 9,815.5 9,888.5 9,868.2 9,793.2 2 Securities in bank credit 2,410.5 2,494.9 2,487.7 2,476.9 2,525.5 2,709.5 2,739.8 2,751.7 2,664.4 2,741.4 2,738.9 2,681.5 3 Treasury and Agency securities 1,110.1 1,130.9 1,126.2 1,139.8 1,151.9 1,217.5 1,260.7 1,238.8 1,242.3 1,267.1 1,273.3 1,264.0 2 4 Other securities 3 1,300.3 1,364.1 1,361.5 1,337.1 1,373.6 1,492.0 1,479.1 1,512.9 1,422.1 1,474.3 1,465.6 1,417.4 5 Loans and leases in bank credit 6,846.8 6,880.6 6,882.7 6,915.2 7,066.1 7,290.8 7,237.2 7,232.7 7,151.1 7,147.1 7,129.3 7,111.7 4 6 Commercial and industrial 1,437.6 1,503.0 1,505.8 1,511.6 1,544.5 1,611.2 1,607.8 1,590.9 1,570.2 1,573.2 1,579.2 1,574.8 7 Real estate 3,611.1 3,627.1 3,622.7 3,626.8 3,669.4 3,830.9 3,833.1 3,823.5 3,796.4 3,794.7 3,794.1 3,799.4 8 Revolving home equity 487.0 515.2 522.4 526.9 541.2 581.2 585.8 591.6 593.8 595.0 595.9 594.6 9 Other residential 1,515.9 1,441.3 1,425.3 1,421.2 1,436.2 1,514.5 1,509.6 1,494.3 1,474.7 1,472.8 1,470.2 1,477.1 10 Commercial 1,608.2 1,670.7 1,675.1 1,678.7 1,692.0 1,735.2 1,737.7 1,737.5 1,727.9 1,726.9 1,728.0 1,727.7 11 Consumer 818.3 827.6 833.9 844.8 854.8 866.5 876.9 891.8 898.1 913.4 919.5 918.6 12 Credit cards and other 365.6 343.4 348.5 356.8 364.2 378.4 390.1 403.1 406.0 415.5 416.6 410.4 revolving plans 13 Other 452.6 484.1 485.3 488.0 490.6 488.1 486.9 488.7 492.1 497.9 502.9 508.3 14 Security 5 297.9 285.9 287.6 300.7 332.0 302.2 270.8 256.4 239.3 230.3 214.7 202.9 15 Fed funds and RPs with 238.3 237.5 237.2 249.2 269.0 238.9 219.1 211.5 196.9 187.4 173.0 162.2 brokers 16 Other 59.6 48.4 50.4 51.5 63.0 63.3 51.7 44.9 42.4 42.8 41.6 40.7 17 Other loans and leases 681.9 636.9 632.8 631.3 665.4 680.0 648.4 670.2 647.1 635.7 621.8 616.1 18 Interbank loans 452.3 438.8 424.7 426.3 458.0 440.2 349.9 371.2 434.0 417.5 455.7 459.1 19 Fed funds and RPs with banks 6 367.4 354.3 348.3 350.3 386.1 360.6 272.5 305.6 372.0 353.2 390.6 394.0 20 Other 84.9 84.5 76.4 76.0 72.0 79.6 77.5 65.6 62.0 64.3 65.0 65.1 21 Cash assets 7 312.4 300.1 296.9 290.4 371.7 586.0 890.4 1,056.3 1,108.4 1,084.0 1,072.1 955.9 22 Other assets 8 956.0 1,000.1 1,015.6 1,012.6 1,047.7 1,093.8 1,128.7 1,144.0 1,111.5 1,103.3 1,102.8 1,099.3 23 Total Assets 9 10,901.2 11,011.3 10,996.3 11,007.4 11,349.7 11,991.6 12,214.3 12,422.6 12,328.8 12,353.0 12,358.9 12,168.9 Liabilities 24 Deposits 6,711.4 6,888.6 6,856.5 6,868.0 7,070.7 7,159.0 7,130.6 7,342.2 7,382.0 7,412.5 7,369.8 7,291.5 25 Transaction 628.2 601.0 602.4 585.2 624.3 659.9 700.3 801.9 738.7 695.7 731.9 720.1 26 Nontransaction 6,083.2 6,287.6 6,254.0 6,282.9 6,446.4 6,499.2 6,430.2 6,540.3 6,643.3 6,716.7 6,637.9 6,571.4 27 Large time 2,009.9 2,126.7 2,096.1 2,104.5 2,149.0 2,073.4 1,952.0 1,989.2 1,994.2 2,023.6 2,005.6 1,979.4 28 Other 4,073.3 4,160.9 4,157.9 4,178.4 4,297.4 4,425.7 4,478.2 4,551.1 4,649.0 4,693.1 4,632.3 4,592.1 29 Borrowings 2,281.3 2,338.3 2,330.9 2,372.1 2,446.4 2,652.3 2,636.4 2,494.5 2,417.5 2,363.4 2,463.0 2,445.7 30 From banks in the U.S. 489.2 477.7 467.4 470.7 479.6 453.1 404.5 384.8 433.8 411.6 458.3 443.3 31 From others 1,792.1 1,860.6 1,863.5 1,901.4 1,966.8 2,199.2 2,231.8 2,109.7 1,983.7 1,951.9 2,004.8 2,002.4 32 Net due to related foreign offices 96.7 -51.8 -26.2 -77.4 -65.9 181.0 398.9 460.3 514.0 476.9 463.0 389.3 33 Other liabilities 665.3 664.2 663.1 669.0 710.6 810.4 864.0 942.4 858.4 911.2 885.7 861.8 34 Total Liabilities 9,754.7 9,839.2 9,824.2 9,831.7 10,161.8 10,802.8 11,029.8 11,239.3 11,171.8 11,164.1 11,181.6 10,988.3 35 Residual (assets less liabilities) 1,146.5 1,172.1 1,172.1 1,175.7 1,187.9 1,188.9 1,184.5 1,183.3 1,156.9 1,188.9 1,177.3 1,180.6 10 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 3 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Domestically Chartered Commercial Banks in the United States 1 Seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 8,052.2 8,262.1 8,288.6 8,305.6 8,467.7 8,816.4 8,786.3 8,805.5 8,667.4 8,733.0 8,690.4 8,648.2 2 Securities in bank credit 1,968.8 2,017.4 2,029.3 2,019.5 2,083.8 2,244.9 2,262.0 2,289.4 2,221.5 2,287.7 2,259.5 2,223.9 3 Treasury and Agency securities 2 1,039.9 1,024.7 1,023.4 1,043.0 1,072.1 1,152.1 1,178.7 1,164.8 1,167.2 1,195.1 1,193.7 1,187.7 4 Other securities 3 928.9 992.7 1,005.9 976.5 1,011.8 1,092.7 1,083.3 1,124.5 1,054.3 1,092.5 1,065.8 1,036.2 5 Loans and leases in bank credit 4 6,083.4 6,244.7 6,259.2 6,286.1 6,383.8 6,571.6 6,524.4 6,516.1 6,445.9 6,445.3 6,430.9 6,424.3 6 Commercial and industrial 1,147.5 1,190.2 1,195.7 1,195.0 1,213.8 1,253.1 1,246.8 1,230.3 1,212.9 1,215.3 1,217.6 1,212.7 7 Real estate 3,541.8 3,614.1 3,593.2 3,610.5 3,629.2 3,756.0 3,748.8 3,745.4 3,714.8 3,718.8 3,729.5 3,735.6 8 Revolving home equity 483.2 518.6 523.9 526.5 540.5 577.8 580.4 586.7 589.4 590.0 590.8 589.8 9 Other residential 1,491.5 1,451.4 1,437.5 1,447.4 1,447.0 1,498.4 1,481.8 1,467.9 1,441.2 1,446.6 1,456.3 1,464.8 10 Commercial 1,567.1 1,644.1 1,631.8 1,636.6 1,641.7 1,679.8 1,686.6 1,690.8 1,684.2 1,682.2 1,682.4 1,681.0 11 Consumer 809.2 832.4 840.2 846.1 852.9 871.3 876.5 881.9 883.0 896.9 899.7 902.1 12 Credit cards and other revolving 351.1 347.1 351.0 358.3 364.9 382.4 388.0 389.1 390.0 399.5 398.6 397.5 plans 13 Other 458.0 485.3 489.2 487.8 488.0 488.9 488.6 492.8 493.0 497.4 501.2 504.6 14 Security 5 147.0 179.9 194.2 204.3 240.8 230.3 212.9 205.4 193.4 173.7 161.5 153.9 15 Fed funds and RPs with brokers 116.5 149.1 163.3 174.2 195.3 183.5 177.5 176.1 165.2 144.2 133.6 127.4 16 Other 30.6 30.9 30.9 30.0 45.5 46.8 35.4 29.3 28.1 29.6 27.8 26.6 17 Other loans and leases 437.9 428.0 435.9 430.2 447.2 460.9 439.4 453.1 441.8 440.6 422.6 419.9 18 Interbank loans 350.4 385.6 372.3 366.4 391.6 379.9 296.7 329.5 411.6 380.1 409.6 401.0 19 Fed funds and RPs with banks 6 273.0 303.8 298.4 293.6 320.3 304.8 225.1 270.8 355.4 321.1 351.7 342.5 20 Other 77.4 81.8 73.9 72.8 71.4 75.1 71.6 58.7 56.2 58.9 57.9 58.4 21 Cash assets 7 244.6 242.1 242.6 246.9 310.0 448.3 579.6 669.4 686.2 713.6 662.0 608.9 22 Other assets 8 910.9 946.3 968.7 972.9 992.5 1,023.5 1,075.2 1,091.7 1,056.4 1,058.8 1,061.9 1,049.0 23 Total Assets 9 9,481.5 9,732.8 9,761.2 9,778.0 10,042.7 10,539.1 10,605.3 10,762.9 10,680.9 10,745.0 10,684.6 10,568.4 Liabilities 24 Deposits 5,635.6 5,791.2 5,771.1 5,795.5 5,975.8 6,200.3 6,207.9 6,363.6 6,403.4 6,421.7 6,449.0 6,443.2 25 Transaction 587.6 586.9 603.6 583.0 619.8 655.6 684.2 749.9 765.9 678.8 674.0 641.3 26 Nontransaction 5,048.0 5,204.3 5,167.5 5,212.4 5,356.0 5,544.7 5,523.8 5,613.7 5,637.5 5,742.9 5,775.0 5,801.9 27 Large time 1,027.7 1,022.8 1,031.2 1,023.7 1,082.1 1,159.7 1,100.2 1,118.1 1,107.7 1,111.6 1,116.0 1,101.0 28 Other 4,020.3 4,181.5 4,136.3 4,188.7 4,274.0 4,385.0 4,423.6 4,495.6 4,529.8 4,631.3 4,659.0 4,700.9 29 Borrowings 1,659.9 1,715.9 1,735.5 1,750.6 1,784.3 1,991.6 1,984.3 1,890.6 1,877.3 1,843.4 1,849.4 1,814.8 30 From banks in the U.S. 412.9 410.3 402.9 405.2 389.2 394.4 358.2 344.7 402.2 380.4 407.2 391.4 31 From others 1,247.0 1,305.6 1,332.5 1,345.4 1,395.1 1,597.2 1,626.1 1,545.9 1,475.1 1,463.0 1,442.2 1,423.4 32 Net due to related foreign offices 486.4 546.2 529.7 509.8 506.2 512.8 563.7 589.6 593.9 617.6 587.1 529.3 33 Other liabilities 534.8 528.8 531.7 528.2 563.2 619.2 655.7 742.2 683.0 719.9 688.3 662.8 34 Total Liabilities 8,316.7 8,582.0 8,567.9 8,584.1 8,829.6 9,323.8 9,411.6 9,585.9 9,557.6 9,602.5 9,573.8 9,450.1 35 Residual (assets less liabilities) 10 1,164.9 1,150.8 1,193.3 1,194.0 1,213.1 1,215.2 1,193.7 1,176.9 1,123.3 1,142.4 1,110.8 1,118.3 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 4 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Domestically Chartered Commercial Banks in the United States 1 Not seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 8,093.7 8,235.9 8,237.1 8,253.1 8,454.6 8,826.4 8,833.7 8,854.7 8,697.9 8,769.0 8,743.4 8,681.0 2 Securities in bank credit 1,955.8 2,029.1 2,019.2 2,009.9 2,068.0 2,230.1 2,265.3 2,277.8 2,199.5 2,272.3 2,263.2 2,214.6 3 Treasury and Agency securities 2 1,022.2 1,035.8 1,029.4 1,047.5 1,064.1 1,137.6 1,173.9 1,148.2 1,146.3 1,177.4 1,179.2 1,173.1 4 Other securities 3 933.6 993.4 989.8 962.4 1,003.9 1,092.4 1,091.4 1,129.5 1,053.3 1,094.9 1,084.1 1,041.5 5 Loans and leases in bank credit 4 6,138.0 6,206.8 6,218.0 6,243.2 6,386.5 6,596.3 6,568.3 6,576.9 6,498.3 6,496.7 6,480.2 6,466.4 6 Commercial and industrial 1,149.0 1,187.7 1,188.6 1,189.7 1,211.2 1,254.9 1,249.1 1,232.5 1,214.3 1,214.3 1,220.2 1,214.5 7 Real estate 3,573.0 3,583.1 3,577.9 3,581.6 3,623.7 3,786.4 3,790.8 3,780.8 3,753.3 3,751.4 3,751.2 3,756.5 8 Revolving home equity 486.6 514.7 522.0 526.4 540.8 580.7 585.4 591.2 593.3 594.5 595.5 594.2 9 Other residential 1,515.1 1,440.4 1,424.4 1,420.3 1,435.3 1,513.6 1,508.8 1,493.5 1,473.9 1,471.9 1,469.4 1,476.3 10 Commercial 1,571.3 1,627.9 1,631.5 1,634.9 1,647.7 1,692.0 1,696.6 1,696.1 1,686.1 1,685.0 1,686.4 1,686.0 11 Consumer 818.3 827.6 833.9 844.8 854.8 866.5 876.9 891.8 898.1 913.4 919.5 918.6 12 Credit cards and other revolving 365.6 343.4 348.5 356.8 364.2 378.4 390.1 403.1 406.0 415.5 416.6 410.4 plans 13 Other 452.6 484.1 485.3 488.0 490.6 488.1 486.9 488.7 492.1 497.9 502.9 508.3 14 Security 5 151.7 181.3 184.3 196.4 240.0 226.3 210.2 210.8 191.1 181.1 163.8 156.1 15 Fed funds and RPs with brokers 120.4 150.4 154.1 167.0 195.2 180.7 174.6 181.0 163.6 152.7 135.9 128.5 16 Other 31.3 30.9 30.2 29.4 44.9 45.6 35.5 29.8 27.5 28.4 28.0 27.6 17 Other loans and leases 446.0 427.1 433.3 430.8 456.7 462.3 441.4 461.0 441.6 436.5 425.4 420.7 18 Interbank loans 362.9 371.6 358.3 360.6 388.3 377.2 301.2 339.1 400.9 381.6 412.0 419.4 19 Fed funds and RPs with banks 6 284.2 292.0 286.8 290.1 320.9 304.8 230.8 279.9 344.1 322.8 352.7 360.0 20 Other 78.7 79.6 71.5 70.5 67.4 72.3 70.4 59.1 56.9 58.8 59.2 59.4 21 Cash assets 7 259.0 239.1 238.2 234.0 305.7 444.8 590.4 710.4 726.8 744.6 733.5 629.8 22 Other assets 8 908.6 940.4 966.1 969.3 999.7 1,034.4 1,075.4 1,089.6 1,063.2 1,056.9 1,057.6 1,047.5 23 Total Assets 9 9,547.5 9,683.8 9,688.4 9,703.0 10,028.9 10,554.1 10,669.1 10,860.6 10,748.3 10,811.8 10,806.6 10,639.1 Liabilities 24 Deposits 5,702.2 5,736.8 5,743.5 5,741.8 5,961.5 6,219.1 6,258.8 6,451.6 6,481.7 6,483.6 6,454.4 6,386.9 25 Transaction 614.7 586.1 588.4 572.9 610.8 644.2 688.4 787.5 724.8 682.3 718.4 706.0 26 Nontransaction 5,087.5 5,150.7 5,155.1 5,168.9 5,350.7 5,574.9 5,570.4 5,664.1 5,756.9 5,801.3 5,736.0 5,680.9 27 Large time 1,037.4 1,013.5 1,020.0 1,012.8 1,074.6 1,167.5 1,109.5 1,130.7 1,125.9 1,126.7 1,122.0 1,106.9 28 Other 4,050.1 4,137.1 4,135.1 4,156.0 4,276.1 4,407.4 4,460.9 4,533.4 4,631.0 4,674.6 4,614.1 4,574.0 29 Borrowings 1,670.1 1,721.4 1,719.6 1,756.1 1,827.4 2,017.5 1,994.1 1,886.6 1,820.6 1,792.1 1,859.7 1,844.8 30 From banks in the U.S. 417.5 408.3 395.5 400.1 389.8 392.9 360.5 350.5 396.3 375.5 417.7 406.8 31 From others 1,252.7 1,313.1 1,324.1 1,356.0 1,437.6 1,624.6 1,633.6 1,536.2 1,424.3 1,416.6 1,442.0 1,437.9 32 Net due to related foreign offices 494.7 533.8 529.9 507.0 495.2 508.9 561.4 599.9 627.7 640.2 633.6 565.5 33 Other liabilities 536.4 523.7 527.7 527.1 562.1 625.6 675.5 744.2 666.4 712.0 686.7 666.3 34 Total Liabilities 8,403.4 8,515.7 8,520.7 8,532.0 8,846.2 9,371.0 9,489.7 9,682.4 9,596.4 9,627.9 9,634.4 9,463.5 35 Residual (assets less liabilities) 10 1,144.1 1,168.1 1,167.7 1,171.0 1,182.8 1,183.1 1,179.4 1,178.2 1,151.9 1,183.9 1,172.2 1,175.5 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 5 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1 Seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 5,124.7 5,283.2 5,287.5 5,293.6 5,425.2 5,750.0 5,719.5 5,686.6 5,527.5 5,595.4 5,555.0 5,504.8 2 Securities in bank credit 1,371.3 1,428.5 1,432.9 1,428.6 1,498.9 1,665.5 1,676.6 1,648.3 1,573.9 1,635.1 1,611.1 1,575.1 3 Treasury and Agency securities 2 668.9 665.1 662.6 685.3 709.8 784.3 806.5 789.0 788.9 818.3 815.7 809.5 3a Trading account 92.7 66.1 53.7 56.4 72.0 133.6 121.7 96.1 101.4 99.7 97.2 97.3 3b Investment account 576.2 599.0 608.9 629.0 637.8 650.6 684.8 692.9 687.4 718.6 718.5 712.2 3b1 Mortgage-backed 519.7 552.2 560.3 576.7 587.6 604.2 636.2 629.9 622.4 645.8 647.2 639.8 3b2 Other 56.5 46.8 48.6 52.3 50.2 46.4 48.6 63.0 65.0 72.8 71.3 72.5 4 Other securities 702.5 763.4 770.3 743.3 789.1 881.3 870.1 859.3 785.0 816.9 795.4 765.6 4a Trading account 3 362.2 390.4 400.6 385.3 404.1 446.5 484.4 516.2 442.2 469.1 443.1 410.5 4a1 Derivatives with a positive fair 182.8 193.5 214.2 215.2 230.2 283.1 342.4 374.8 307.4 339.5 306.4 280.7 value 11 4a2 Other 179.4 196.9 186.4 170.1 173.9 163.5 142.0 141.4 134.8 129.6 136.7 129.9 4b Investment account 340.3 373.0 369.7 358.0 385.0 434.7 385.6 343.1 342.8 347.8 352.2 355.0 4b1 State and local government 58.4 53.2 53.3 52.7 52.2 52.7 52.0 52.8 55.7 55.7 55.6 55.1 4b2 Mortgage-backed 162.8 175.6 163.3 155.1 155.6 163.8 152.8 142.3 142.2 149.8 149.0 149.1 4b3 Other 119.1 144.1 153.2 150.3 177.2 218.3 180.8 148.0 144.9 142.2 147.6 150.9 5 Loans and leases in bank credit 4 3,753.4 3,854.7 3,854.6 3,865.0 3,926.3 4,084.5 4,043.0 4,038.3 3,953.6 3,960.3 3,943.9 3,929.7 6 Commercial and industrial 751.1 783.3 786.7 780.9 792.9 822.7 816.5 804.3 790.2 791.4 792.5 789.7 7 Real estate 2,060.0 2,089.0 2,059.4 2,067.0 2,067.7 2,178.2 2,175.3 2,175.2 2,135.4 2,144.4 2,154.2 2,156.1 8 Revolving home equity 394.9 421.6 427.0 428.6 440.2 474.1 476.6 482.3 483.1 483.9 484.4 483.1 9 Other residential 1,037.8 995.6 979.8 984.6 977.5 1,020.0 1,008.4 997.5 965.0 973.0 984.3 987.5 10 Commercial 627.3 671.7 652.6 653.7 650.0 684.1 690.2 695.4 687.2 687.4 685.4 685.5 11 Consumer 468.2 491.3 498.9 503.4 501.3 517.1 518.8 524.5 520.3 536.0 539.7 538.8 12 Credit cards and other revolving plans 134.6 131.9 135.3 138.7 143.1 159.2 160.7 162.0 158.5 169.1 170.0 167.9 13 Other 333.6 359.4 363.6 364.7 358.2 357.9 358.1 362.6 361.7 367.0 369.7 370.9 14 Security 138.8 169.1 183.2 193.6 229.8 219.7 203.4 194.6 181.6 162.4 149.9 141.9 15 Fed funds and RPs with brokers 112.5 143.2 157.3 168.5 189.2 177.7 172.9 170.0 158.2 137.6 126.8 120.2 16 Other 26.3 25.9 25.9 25.1 40.7 41.9 30.5 24.6 23.3 24.8 23.0 21.7 17 Other loans and leases 335.4 322.2 326.4 320.0 334.5 346.9 329.0 339.8 326.2 326.1 307.6 303.3 17a Fed funds and RPs with others 45.7 24.2 27.4 25.0 22.6 25.3 20.7 35.7 37.3 30.7 15.5 11.7 17b Other loans 191.9 195.8 199.9 199.3 218.1 229.4 216.8 212.7 199.4 205.8 202.8 200.6 17c Lease financing receivables 97.8 102.2 99.0 95.8 93.9 92.2 91.4 91.3 89.5 89.6 89.4 91.0 18 Interbank loans 234.2 259.7 241.8 239.8 257.5 247.9 184.7 198.6 266.2 237.7 261.6 243.7 19 Fed funds and RPs with banks 176.3 204.1 195.2 193.5 214.5 207.4 146.9 165.7 237.7 208.5 232.6 215.4 20 Other 57.8 55.6 46.6 46.3 43.0 40.6 37.9 32.9 28.4 29.2 28.9 28.3 21 Cash assets 7 150.0 137.3 135.9 138.1 200.3 323.0 411.8 462.5 477.2 499.4 451.5 392.5 22 Other assets 8 669.0 713.4 739.1 741.9 754.1 779.7 820.5 813.7 780.0 781.1 780.6 782.1 23 Total Assets 9 6,137.8 6,333.5 6,337.8 6,345.5 6,565.8 7,020.6 7,053.5 7,077.2 6,959.6 7,022.3 6,958.4 6,833.7 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 6 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1 Seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Liabilities 24 Deposits 3,370.0 3,466.5 3,425.5 3,437.2 3,584.9 3,782.7 3,755.6 3,826.7 3,833.7 3,852.6 3,867.4 3,843.6 25 Transaction 319.1 317.7 327.9 317.3 349.9 383.3 418.1 474.3 488.3 409.5 401.1 380.9 26 Nontransaction 3,051.0 3,148.7 3,097.6 3,119.9 3,235.0 3,399.4 3,337.5 3,352.4 3,345.4 3,443.1 3,466.3 3,462.7 27 Large time 620.4 607.4 612.8 606.6 663.0 737.4 669.0 653.9 640.0 646.6 650.2 634.8 28 Other 2,430.6 2,541.4 2,484.9 2,513.3 2,572.1 2,662.0 2,668.5 2,698.5 2,705.5 2,796.5 2,816.1 2,827.9 29 Borrowings 1,079.0 1,121.6 1,143.6 1,158.8 1,195.0 1,387.9 1,391.3 1,296.1 1,283.0 1,259.6 1,272.4 1,238.0 30 From banks in the U.S. 163.0 161.5 163.1 158.2 150.5 152.2 130.3 121.8 173.8 159.8 200.6 185.5 31 From others 916.1 960.1 980.5 1,000.5 1,044.5 1,235.6 1,261.0 1,174.3 1,109.2 1,099.7 1,071.7 1,052.5 32 Net due to related foreign offices 483.1 541.5 524.4 506.2 501.7 510.7 557.5 583.7 592.8 615.1 577.2 521.8 33 Other liabilities 458.2 453.4 457.1 452.5 485.1 541.7 571.1 612.4 550.1 585.5 554.1 531.8 33a Derivatives with a negative fair value 11 142.4 145.5 163.9 169.4 179.6 216.5 264.4 284.1 226.4 252.1 223.8 206.1 33b Other 315.8 307.8 293.2 283.1 305.5 325.1 306.8 328.3 323.7 333.4 330.3 325.7 34 Total Liabilities 5,390.4 5,583.0 5,550.6 5,554.7 5,766.8 6,222.9 6,275.5 6,318.8 6,259.6 6,312.9 6,271.2 6,135.1 35 Residual (assets less liabilities) 10 747.4 750.5 787.2 790.8 799.0 797.7 778.0 758.4 700.0 709.4 687.3 698.6 Memoranda 36 Mortgage-backed securities 12 682.4 727.8 723.6 731.8 743.1 768.0 788.9 772.2 764.6 795.7 796.2 788.8 37 Pass-thru 461.5 482.4 487.2 498.4 519.3 544.3 574.9 565.9 558.8 585.3 584.7 580.1 38 CMO, REMIC, and other 221.0 245.4 236.4 233.3 223.8 223.8 214.1 206.3 205.8 210.4 211.5 208.7 39 Net unrealized gains (losses) on available-for-sale securities 13 -6.5 -29.2 -35.6 -46.2 -46.5 -56.0 -74.4 -80.6 -72.2 -72.1 -71.4 -70.0 40 Securitized consumer loans 14 113.4 115.0 113.1 112.9 120.3 135.7 133.5 129.5 127.2 126.8 124.5 127.8 41 Credit cards and other revolving plans 77.3 79.4 77.9 77.2 81.2 93.5 92.2 91.5 89.5 89.3 87.0 90.6 42 Other 36.1 35.6 35.2 35.7 39.1 42.3 41.3 38.0 37.7 37.5 37.5 37.1 43 Securitized real estate loans 14 1,183.3 1,213.3 1,247.7 1,275.9 1,300.5 1,357.8 1,347.0 1,339.8 1,335.3 1,335.3 1,338.1 1,335.0 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 7 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1 Not seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 5,157.8 5,238.2 5,237.3 5,240.9 5,427.2 5,781.2 5,774.7 5,726.2 5,565.2 5,631.7 5,603.3 5,534.7 2 Securities in bank credit 1,360.1 1,433.3 1,429.9 1,425.3 1,491.3 1,655.8 1,684.7 1,638.7 1,555.9 1,622.3 1,615.4 1,567.8 3 Treasury and Agency securities 2 652.0 671.4 670.3 690.6 705.6 773.9 805.7 773.0 769.1 801.0 802.8 797.0 3a Trading account 87.5 67.7 54.4 54.9 68.7 128.0 125.1 92.7 97.9 99.4 93.9 97.4 3b Investment account 564.5 603.7 615.9 635.7 637.0 645.9 680.6 680.3 671.2 701.6 708.9 699.6 3b1 Mortgage-backed 508.9 556.0 567.4 583.4 585.9 599.0 630.6 618.9 609.1 632.4 639.8 630.2 3b2 Other 55.5 47.7 48.5 52.3 51.1 46.9 50.0 61.4 62.0 69.2 69.1 69.4 4 Other securities 708.1 761.8 759.7 734.7 785.7 881.9 879.0 865.8 786.8 821.3 812.6 770.8 4a Trading account 3 364.6 391.6 392.7 379.0 399.8 447.6 492.5 519.1 439.7 469.4 456.9 413.6 4a1 Derivatives with a positive fair 186.1 195.1 205.3 205.3 224.5 276.1 343.8 380.1 315.3 347.1 330.6 287.4 value 11 4a2 Other 178.5 196.5 187.4 173.7 175.3 171.6 148.7 139.0 124.3 122.3 126.3 126.2 4b Investment account 343.5 370.2 367.0 355.8 385.8 434.3 386.5 346.7 347.2 352.0 355.7 357.2 4b1 State and local government 58.4 53.1 52.7 52.1 52.2 52.8 52.5 52.8 55.9 55.9 55.9 55.5 4b2 Mortgage-backed 161.7 173.2 170.2 162.7 160.0 159.5 150.0 140.7 140.7 149.2 148.8 146.4 4b3 Other 123.5 144.0 144.0 140.9 173.7 222.0 184.0 153.2 150.6 146.8 151.0 155.3 5 Loans and leases in bank credit 4 3,797.7 3,804.9 3,807.4 3,815.5 3,935.9 4,125.3 4,090.0 4,087.5 4,009.3 4,009.5 3,987.8 3,966.9 6 Commercial and industrial 753.8 777.7 777.8 775.6 792.1 828.1 822.0 807.4 792.2 791.0 795.1 790.7 7 Real estate 2,088.9 2,049.6 2,040.1 2,035.8 2,067.8 2,217.1 2,218.9 2,207.5 2,182.7 2,180.4 2,178.6 2,178.8 8 Revolving home equity 397.7 418.3 424.3 427.7 440.1 478.3 481.6 485.9 487.5 488.5 489.1 487.5 9 Other residential 1,059.3 978.1 963.6 956.2 969.2 1,040.0 1,035.8 1,020.8 1,001.1 999.7 997.3 1,000.2 10 Commercial 632.0 653.2 652.1 652.0 658.4 698.9 701.5 700.8 694.1 692.2 692.1 691.1 11 Consumer 468.6 487.7 491.9 497.8 503.6 515.4 517.7 525.6 528.6 545.7 550.6 548.1 12 Credit cards and other revolving plans 138.3 131.2 134.5 137.9 142.5 155.9 158.5 165.2 165.3 177.0 178.5 173.6 13 Other 330.4 356.5 357.4 360.0 361.1 359.5 359.2 360.4 363.3 368.7 372.1 374.5 14 Security 143.1 170.7 173.6 185.7 229.0 215.6 200.4 199.6 179.2 169.5 152.3 144.2 15 Fed funds and RPs with brokers 116.3 144.8 148.4 161.3 189.2 175.0 169.8 174.7 156.6 146.0 129.2 121.5 16 Other 26.8 25.9 25.2 24.4 39.9 40.6 30.6 25.0 22.6 23.6 23.1 22.7 17 Other loans and leases 343.2 319.2 324.0 320.6 343.5 349.1 331.0 347.3 326.6 322.8 311.3 305.2 17a Fed funds and RPs with others 47.2 23.7 25.3 26.1 26.3 27.4 21.5 36.8 35.0 30.5 16.1 12.1 17b Other loans 196.9 195.4 199.6 198.5 221.9 228.0 216.7 218.2 201.1 202.1 205.4 202.0 17c Lease financing receivables 99.0 100.1 99.1 96.0 95.2 93.7 92.8 92.3 90.6 90.2 89.8 91.2 18 Interbank loans 244.7 249.5 235.8 238.1 260.2 249.3 188.5 207.4 253.9 237.7 268.1 269.8 19 Fed funds and RPs with banks 185.2 195.5 190.1 192.3 217.6 208.1 149.3 173.4 225.3 209.0 239.4 240.9 20 Other 59.5 54.0 45.7 45.7 42.6 41.2 39.2 34.0 28.5 28.7 28.6 28.9 21 Cash assets 7 162.0 133.7 131.6 127.3 197.1 321.3 422.0 498.9 510.2 525.6 514.9 411.3 22 Other assets 8 668.0 703.2 734.1 735.5 761.8 791.4 824.3 812.8 789.1 786.4 784.3 787.4 23 Total Assets 9 6,192.2 6,264.6 6,272.0 6,273.7 6,574.7 7,063.3 7,127.2 7,161.3 7,027.1 7,090.3 7,080.0 6,914.0 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 8 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1 Not seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Liabilities 24 Deposits 3,431.5 3,398.7 3,394.9 3,381.3 3,583.9 3,817.9 3,812.2 3,910.0 3,909.3 3,914.6 3,890.8 3,822.7 25 Transaction 340.8 315.6 317.3 306.5 345.5 375.8 421.6 505.8 458.5 412.7 438.3 426.2 26 Nontransaction 3,090.7 3,083.1 3,077.7 3,074.8 3,238.4 3,442.0 3,390.6 3,404.2 3,450.8 3,501.9 3,452.5 3,396.5 27 Large time 630.4 597.6 603.4 595.8 656.8 746.4 678.0 666.7 659.7 662.5 656.8 641.6 28 Other 2,460.2 2,485.5 2,474.3 2,478.9 2,581.6 2,695.6 2,712.6 2,737.5 2,791.0 2,839.5 2,795.7 2,754.9 29 Borrowings 1,078.7 1,125.6 1,131.8 1,168.8 1,238.2 1,414.3 1,398.8 1,281.1 1,225.6 1,206.9 1,264.7 1,248.0 30 From banks in the U.S. 163.1 159.2 155.5 155.9 150.6 151.1 130.7 122.7 169.9 156.6 203.0 191.2 31 From others 915.6 966.4 976.3 1,012.9 1,087.5 1,263.2 1,268.1 1,158.4 1,055.7 1,050.3 1,061.7 1,056.8 32 Net due to related foreign offices 491.0 529.8 524.8 504.1 492.3 507.3 556.0 593.7 623.8 635.1 624.0 556.6 33 Other liabilities 459.6 448.4 454.0 452.2 484.6 548.1 591.0 614.3 535.6 579.2 553.6 534.2 33a Derivatives with a negative fair value 11 143.2 149.0 159.2 160.9 176.4 213.2 264.5 285.0 230.3 255.9 241.1 211.4 33b Other 316.4 299.5 294.8 291.2 308.3 334.9 326.5 329.2 305.3 323.3 312.5 322.8 34 Total Liabilities 5,460.8 5,502.5 5,505.6 5,506.3 5,799.0 6,287.6 6,357.9 6,399.0 6,294.3 6,335.8 6,333.1 6,161.5 35 Residual (assets less liabilities) 10 731.4 762.1 766.4 767.4 775.7 775.7 769.2 762.3 732.9 754.5 747.0 752.6 Memoranda 36 Mortgage-backed securities 12 670.6 729.2 737.7 746.1 745.9 758.5 780.6 759.5 749.8 781.5 788.6 776.7 37 Pass-thru 445.5 490.2 501.5 515.6 519.0 532.8 563.6 549.3 538.6 565.7 572.8 565.0 38 CMO, REMIC, and other 225.1 239.0 236.1 230.5 226.8 225.7 217.0 210.3 211.2 215.8 215.8 211.7 39 Net unrealized gains (losses) on available-for-sale securities 13 -6.5 -29.2 -35.6 -46.2 -46.5 -56.0 -74.4 -80.6 -72.2 -72.1 -71.4 -70.0 40 Securitized consumer loans 14 112.3 115.6 115.1 114.2 120.9 133.3 130.6 128.2 127.3 127.2 125.1 128.2 41 Credit cards and other revolving plans 74.0 81.1 80.2 79.9 82.6 91.7 89.6 87.8 87.1 87.1 85.2 88.7 42 Other 38.4 34.5 35.0 34.3 38.3 41.6 41.0 40.5 40.2 40.1 39.9 39.5 43 Securitized real estate loans 14 1,195.7 1,217.3 1,231.2 1,244.5 1,268.3 1,336.1 1,339.6 1,349.1 1,355.0 1,354.2 1,357.3 1,354.7 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 9 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Small Domestically Chartered Commercial Banks in the United States 1 Seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 2,927.5 2,978.9 3,001.1 3,012.1 3,042.5 3,066.5 3,066.8 3,118.9 3,139.9 3,137.6 3,135.4 3,143.4 2 Securities in bank credit 597.5 588.9 596.4 590.9 584.9 579.3 585.4 641.0 647.6 652.6 648.4 648.8 3 Treasury and Agency securities 2 371.0 359.6 360.8 357.7 362.2 367.9 372.2 375.8 378.3 376.9 378.0 378.2 4 Other securities 3 226.5 229.3 235.6 233.2 222.7 211.5 213.2 265.2 269.3 275.7 270.5 270.7 5 Loans and leases in bank credit 4 2,330.0 2,389.9 2,404.7 2,421.2 2,457.5 2,487.1 2,481.4 2,477.9 2,492.3 2,485.0 2,487.0 2,494.6 6 Commercial and industrial 396.4 407.0 409.1 414.1 420.8 430.4 430.3 426.1 422.8 423.9 425.1 423.0 7 Real estate 1,481.8 1,525.2 1,533.8 1,543.5 1,561.5 1,577.8 1,573.5 1,570.2 1,579.4 1,574.4 1,575.3 1,579.5 8 Revolving home equity 88.3 97.0 96.9 97.9 100.3 103.7 103.8 104.4 106.3 106.1 106.4 106.8 9 Other residential 453.7 455.8 457.7 462.7 469.5 478.4 473.4 470.4 476.2 473.6 472.0 477.3 10 Commercial 939.8 972.3 979.2 982.8 991.7 995.7 996.3 995.4 997.0 994.7 996.9 995.5 11 Consumer 341.0 341.1 341.3 342.7 351.6 354.2 357.7 357.3 362.7 360.9 360.0 363.3 12 Credit cards and other revolving plans 216.5 215.2 215.8 219.6 221.8 223.2 227.2 227.1 231.5 230.5 228.5 229.7 13 Other 124.5 125.9 125.6 123.1 129.8 131.0 130.5 130.2 131.3 130.4 131.5 133.7 17 Other loans and leases 6 110.8 116.7 120.5 120.9 123.6 124.7 119.9 124.2 127.4 125.8 126.6 128.7 18 Interbank loans 116.2 125.9 130.5 126.6 134.1 131.9 112.0 130.8 145.4 142.4 148.1 157.2 19 Fed funds and RPs with banks 6 96.7 99.7 103.2 100.1 105.8 97.4 78.3 105.1 117.7 112.6 119.1 127.1 20 Other 19.5 26.2 27.3 26.5 28.3 34.5 33.8 25.8 27.8 29.8 29.0 30.1 21 Cash assets 7 94.5 104.8 106.7 108.9 109.7 125.3 167.9 206.9 209.0 214.2 210.5 216.5 22 Other assets 8 241.9 232.8 229.7 231.0 238.4 243.8 254.7 278.0 276.3 277.7 281.4 266.9 23 Total Assets 9 3,343.8 3,399.3 3,423.5 3,432.6 3,476.9 3,518.5 3,551.8 3,685.7 3,721.4 3,722.7 3,726.1 3,734.7 Liabilities 24 Deposits 2,265.6 2,324.7 2,345.5 2,358.2 2,390.9 2,417.6 2,452.3 2,536.9 2,569.7 2,569.1 2,581.6 2,599.6 25 Transaction 268.6 269.1 275.7 265.7 269.9 272.2 266.1 275.6 277.6 269.3 272.9 260.3 26 Nontransaction 1,997.0 2,055.5 2,069.8 2,092.5 2,121.0 2,145.4 2,186.2 2,261.3 2,292.1 2,299.8 2,308.7 2,339.2 27 Large time 407.3 415.4 418.4 417.1 419.1 422.3 431.2 464.2 467.7 465.0 465.9 466.2 28 Other 1,589.8 1,640.2 1,651.4 1,675.4 1,701.9 1,723.0 1,755.1 1,797.1 1,824.3 1,834.8 1,842.8 1,873.0 29 Borrowings 580.9 594.3 591.9 591.8 589.3 603.8 593.0 594.6 594.3 583.8 577.1 576.8 30 From banks in the U.S. 249.9 248.7 239.9 247.0 238.7 242.1 227.9 223.0 228.4 220.6 206.6 205.8 31 From others 331.0 345.6 352.1 344.9 350.6 361.6 365.1 371.6 365.9 363.2 370.5 370.9 32 Net due to related foreign offices 3.3 4.6 5.3 3.7 4.5 2.1 6.3 5.9 1.2 2.4 9.9 7.6 33 Other liabilities 76.6 75.5 74.6 75.7 78.1 77.5 84.5 129.8 132.9 134.4 134.1 131.0 34 Total Liabilities 2,926.3 2,999.1 3,017.4 3,029.4 3,062.9 3,101.0 3,136.2 3,267.2 3,298.1 3,289.7 3,302.6 3,314.9 35 Residual (assets less liabilities) 10 417.4 400.2 406.1 403.2 414.0 417.5 415.7 418.5 423.3 433.0 423.5 419.7 Memoranda 36 Mortgage-backed securities 12 249.1 250.0 273.0 270.0 278.3 274.8 266.6 267.9 269.9 270.2 270.6 270.2 40 Securitized consumer loans 14 281.1 299.5 299.9 296.7 294.5 291.6 285.7 286.2 286.7 285.3 286.1 283.6 43 Securitized real estate loans 14 35.8 28.2 26.7 28.2 28.4 27.1 26.7 26.6 26.5 26.4 26.5 26.5 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 10 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Small Domestically Chartered Commercial Banks in the United States 1 Not seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 2,935.9 2,997.8 2,999.8 3,012.2 3,027.3 3,045.2 3,059.0 3,128.4 3,132.7 3,137.3 3,140.2 3,146.3 2 Securities in bank credit 595.6 595.9 589.2 584.5 576.7 574.2 580.6 639.0 643.6 650.0 647.8 646.8 3 Treasury and Agency securities 2 370.2 364.3 359.1 356.9 358.5 363.7 368.2 375.3 377.2 376.4 376.4 376.0 4 Other securities 3 225.5 231.5 230.1 227.6 218.2 210.5 212.4 263.8 266.4 273.6 271.4 270.8 5 Loans and leases in bank credit 4 2,340.3 2,401.9 2,410.6 2,427.7 2,450.6 2,471.0 2,478.4 2,489.4 2,489.1 2,487.2 2,492.3 2,499.5 6 Commercial and industrial 395.2 410.1 410.8 414.1 419.1 426.8 427.0 425.1 422.1 423.3 425.1 423.8 7 Real estate 1,484.0 1,533.4 1,537.8 1,545.8 1,556.0 1,569.3 1,571.9 1,573.2 1,570.6 1,571.0 1,572.6 1,577.7 8 Revolving home equity 88.9 96.4 97.7 98.8 100.6 102.5 103.8 105.2 105.8 106.1 106.3 106.7 9 Other residential 455.8 462.3 460.7 464.1 466.1 473.7 473.0 472.7 472.8 472.2 472.0 476.1 10 Commercial 939.3 974.7 979.4 983.0 989.2 993.1 995.1 995.3 992.0 992.7 994.3 995.0 11 Consumer 349.6 339.9 341.9 346.9 351.2 351.1 359.3 366.2 369.5 367.6 368.9 370.5 12 Credit cards and other revolving plans 227.4 212.2 214.0 218.9 221.8 222.5 231.6 237.9 240.7 238.5 238.1 236.8 13 Other 122.2 127.6 127.9 128.1 129.5 128.6 127.7 128.3 128.8 129.2 130.8 133.7 17 Other loans and leases 6 111.4 118.5 120.0 120.9 124.3 123.9 120.2 124.9 126.8 125.3 125.6 127.4 18 Interbank loans 118.2 122.1 122.5 122.5 128.1 127.8 112.7 131.6 147.1 143.9 143.9 149.6 19 Fed funds and RPs with banks 6 99.1 96.5 96.7 97.8 103.4 96.7 81.6 106.6 118.7 113.8 113.3 119.1 20 Other 19.1 25.6 25.8 24.8 24.8 31.1 31.1 25.1 28.3 30.1 30.6 30.5 21 Cash assets 7 97.1 105.4 106.5 106.7 108.5 123.5 168.4 211.5 216.6 219.0 218.6 218.5 22 Other assets 8 240.6 237.2 232.0 233.8 237.8 243.0 251.1 276.8 274.1 270.5 273.3 260.1 23 Total Assets 9 3,355.3 3,419.2 3,416.4 3,429.3 3,454.3 3,490.8 3,541.9 3,699.3 3,721.2 3,721.4 3,726.6 3,725.0 Liabilities 24 Deposits 2,270.8 2,338.0 2,348.6 2,360.5 2,377.5 2,401.2 2,446.6 2,541.6 2,572.5 2,569.0 2,563.6 2,564.3 25 Transaction 273.9 270.5 271.1 266.5 265.2 268.3 266.8 281.7 266.3 269.6 280.1 279.8 26 Nontransaction 1,996.8 2,067.6 2,077.4 2,094.1 2,112.3 2,132.9 2,179.8 2,259.9 2,306.1 2,299.4 2,283.5 2,284.5 27 Large time 407.0 415.9 416.6 417.0 417.8 421.0 431.5 464.0 466.2 464.2 465.1 465.3 28 Other 1,589.8 1,651.6 1,660.8 1,677.1 1,694.5 1,711.8 1,748.3 1,795.9 1,840.0 1,835.1 1,818.4 1,819.1 29 Borrowings 591.5 595.8 587.8 587.4 589.3 603.2 595.3 605.6 595.0 585.2 595.1 596.8 30 From banks in the U.S. 254.4 249.1 240.0 244.2 239.2 241.8 229.9 227.7 226.4 218.8 214.7 215.6 31 From others 337.1 346.7 347.8 343.2 350.1 361.4 365.4 377.8 368.6 366.3 380.3 381.2 32 Net due to related foreign offices 3.6 4.1 5.1 2.9 2.9 1.6 5.4 6.3 3.9 5.2 9.6 8.9 33 Other liabilities 76.7 75.3 73.7 74.9 77.4 77.4 84.5 129.9 130.8 132.8 133.1 132.1 34 Total Liabilities 2,942.6 3,013.3 3,015.2 3,025.7 3,047.2 3,083.4 3,131.8 3,283.4 3,302.2 3,292.1 3,301.3 3,302.0 35 Residual (assets less liabilities) 10 412.7 405.9 401.3 403.6 407.1 407.4 410.2 415.9 419.0 429.3 425.3 423.0 Memoranda 36 Mortgage-backed securities 12 243.9 265.6 263.2 262.3 264.1 264.7 259.4 261.8 264.2 265.1 265.8 266.9 40 Securitized consumer loans 14 285.2 297.0 296.6 295.8 294.7 293.6 287.7 289.6 288.2 287.1 286.3 286.8 43 Securitized real estate loans 14 36.6 27.6 26.0 27.5 28.2 27.2 27.2 27.3 27.3 27.3 27.3 27.3 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 11 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Foreign-Related Institutions in the United States 1 Seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 1,152.4 1,147.7 1,152.8 1,152.9 1,145.4 1,176.2 1,135.5 1,122.4 1,109.7 1,110.3 1,113.1 1,100.5 2 Securities in bank credit 455.5 464.4 476.8 472.6 461.9 481.5 468.6 476.6 464.9 474.2 474.3 467.9 3 Treasury and Agency securities 2 88.3 95.7 98.7 91.1 86.9 79.3 86.7 91.2 97.2 93.3 96.7 91.7 3a Trading account 28.6 33.0 35.9 33.7 32.7 32.3 32.8 30.5 32.4 28.1 28.5 24.9 3b Investment account 59.7 62.7 62.8 57.4 54.2 47.0 53.9 60.7 64.8 65.2 68.2 66.8 4 Other securities 367.1 368.7 378.1 381.5 375.0 402.1 381.9 385.4 367.7 380.9 377.5 376.2 4a Trading account 3 214.1 222.3 226.1 234.7 230.7 243.0 240.6 248.0 234.6 243.4 241.7 236.3 4a1 Derivatives with a positive fair 73.8 99.8 101.2 104.1 105.9 132.8 147.3 170.5 165.8 178.0 173.5 169.2 value 11 4a2 Other 140.3 122.5 124.8 130.6 124.8 110.2 93.3 77.5 68.7 65.4 68.2 67.1 4b Investment account 153.1 146.4 152.0 146.8 144.3 159.2 141.3 137.4 133.1 137.5 135.8 139.9 5 Loans and leases in bank credit 4 696.9 683.3 676.0 680.3 683.5 694.7 666.9 645.9 644.8 636.0 638.8 632.6 6 Commercial and industrial 285.2 318.8 321.2 323.8 333.3 357.6 358.5 354.0 352.1 353.2 353.7 355.8 7 Real estate 37.2 44.5 45.5 46.9 45.8 43.4 41.5 41.8 42.7 42.8 42.7 42.9 14 Security 140.4 106.2 106.9 107.3 95.1 75.9 58.6 42.8 48.6 47.3 49.8 44.2 15 Fed funds and RPs with brokers 6 116.1 86.2 84.5 84.3 76.0 58.0 43.4 29.8 34.8 34.4 37.0 32.3 16 Other 24.3 20.0 22.4 22.9 19.1 17.9 15.3 13.0 13.8 12.9 12.8 11.8 17 Other loans and leases 234.1 213.9 202.4 202.3 209.3 217.8 208.3 207.2 201.5 192.7 192.6 189.8 17a Fed funds and RPs with others 6 51.6 34.2 28.9 31.5 31.3 31.5 29.4 25.8 24.6 21.2 20.7 20.9 17b Other 182.5 179.7 173.6 170.8 178.0 186.2 178.9 181.4 176.9 171.5 171.8 168.9 18 Interbank loans 85.3 70.6 67.9 67.3 68.5 61.3 46.5 30.4 32.3 34.4 40.5 37.9 19 Fed funds and RPs with banks 79.4 65.2 62.7 61.5 63.8 54.0 39.7 24.3 27.3 29.3 34.9 32.2 20 Other 5.9 5.4 5.2 5.8 4.7 7.3 6.8 6.1 5.0 5.1 5.6 5.7 21 Cash assets 7 52.6 61.8 58.5 55.6 64.0 138.9 294.4 340.8 385.8 337.6 336.6 321.9 22 Other assets 8 47.6 58.6 49.8 43.4 46.6 61.1 55.1 54.6 49.8 48.5 43.7 51.1 23 Total Assets 9 1,337.9 1,338.7 1,329.0 1,319.1 1,324.5 1,437.4 1,531.5 1,548.3 1,577.6 1,530.7 1,533.8 1,511.3 Liabilities 24 Deposits 1,020.0 1,142.5 1,139.0 1,143.0 1,115.2 938.5 868.6 898.7 904.8 921.3 912.4 906.3 25 Transaction 13.3 15.1 14.4 12.4 13.6 16.1 12.3 14.3 14.0 13.4 13.4 13.8 26 Nontransaction 1,006.7 1,127.4 1,124.6 1,130.6 1,101.6 922.4 856.4 884.4 890.9 907.9 899.0 892.5 27 Large time 982.4 1,103.9 1,102.7 1,108.1 1,079.9 903.9 838.7 865.8 871.7 889.0 880.4 874.6 29 Borrowings 603.3 614.1 622.5 629.1 640.6 657.4 645.8 601.6 593.5 563.5 609.2 593.1 30 From banks in the U.S. 67.4 71.5 76.9 72.7 91.2 63.0 42.9 32.5 40.4 33.8 42.4 31.6 31 From others 535.9 542.5 545.6 556.4 549.4 594.4 602.9 569.1 553.1 529.6 566.7 561.6 32 Net due to related foreign offices -412.7 -563.8 -579.9 -613.7 -586.8 -347.3 -175.0 -160.1 -113.8 -151.9 -194.3 -185.0 33 Other liabilities 127.6 142.5 140.0 142.8 149.8 185.4 186.5 197.2 184.2 200.0 199.6 190.9 33a Derivatives with a negative fair value 11 77.0 96.8 97.6 102.9 103.4 124.0 136.9 158.1 155.9 163.6 159.2 155.0 33b Other 50.7 45.7 42.4 39.8 46.4 61.5 49.6 39.0 28.4 36.4 40.4 35.9 34 Total Liabilities 1,338.2 1,335.3 1,321.5 1,301.1 1,318.8 1,434.0 1,526.0 1,537.4 1,568.8 1,532.9 1,526.8 1,505.4 35 Residual (assets less liabilities) 10 -0.2 3.4 7.5 18.0 5.7 3.4 5.5 10.9 8.8 -2.2 7.0 6.0 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 12 For use at 4:15 p.m. Eastern Time; February 6, 2009 Assets and Liabilities of Foreign-Related Institutions in the United States 1 Not seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 Assets 1 Bank credit 1,163.6 1,139.6 1,133.3 1,139.0 1,137.0 1,173.9 1,143.2 1,129.8 1,117.7 1,119.5 1,124.8 1,112.2 2 Securities in bank credit 454.7 465.8 468.6 467.0 457.5 479.4 474.4 473.9 464.9 469.1 475.6 466.9 3 Treasury and Agency securities 2 88.0 95.1 96.8 92.2 87.8 79.9 86.8 90.6 96.0 89.7 94.1 91.0 3a Trading account 27.2 33.5 34.9 34.4 33.4 32.1 31.6 28.8 30.7 24.9 26.0 23.6 3b Investment account 60.8 61.6 61.9 57.8 54.4 47.8 55.2 61.8 65.4 64.9 68.1 67.4 4 Other securities 366.7 370.7 371.8 374.8 369.7 399.6 387.7 383.4 368.9 379.4 381.5 375.9 4a Trading account 3 211.7 225.8 224.7 232.8 227.4 242.0 244.5 244.3 228.2 237.8 240.6 233.1 4a1 Derivatives with a positive fair 73.7 99.9 99.4 104.0 104.4 131.3 149.5 167.5 159.2 170.2 173.9 165.0 value 11 4a2 Other 138.0 125.9 125.4 128.8 122.9 110.6 95.1 76.9 69.0 67.5 66.7 68.0 4b Investment account 155.1 144.9 147.0 142.0 142.3 157.6 143.1 139.0 140.7 141.6 140.9 142.8 5 Loans and leases in bank credit 4 708.9 673.8 664.8 672.0 679.6 694.5 668.8 655.8 652.8 650.4 649.2 645.4 6 Commercial and industrial 288.6 315.3 317.2 322.0 333.3 356.3 358.8 358.4 355.9 358.9 358.9 360.3 7 Real estate 38.1 44.1 44.8 45.1 45.7 44.5 42.4 42.7 43.1 43.3 42.9 42.9 14 Security 146.2 104.6 103.3 104.3 92.0 75.9 60.6 45.6 48.2 49.2 50.8 46.8 15 Fed funds and RPs with brokers 6 117.9 87.1 83.1 82.2 73.8 58.2 44.5 30.5 33.3 34.8 37.2 33.7 16 Other 28.3 17.5 20.1 22.1 18.1 17.7 16.1 15.1 15.0 14.4 13.7 13.1 17 Other loans and leases 235.9 209.8 199.5 200.6 208.7 217.7 207.1 209.2 205.5 199.1 196.5 195.3 17a Fed funds and RPs with others 6 55.3 31.9 26.8 28.9 30.4 33.0 30.9 28.0 25.3 23.0 22.5 23.4 17b Other 180.6 177.9 172.7 171.7 178.3 184.8 176.1 181.2 180.2 176.1 174.0 171.9 18 Interbank loans 89.4 67.2 66.4 65.7 69.7 63.1 48.7 32.1 33.0 35.9 43.7 39.7 19 Fed funds and RPs with banks 83.2 62.3 61.5 60.2 65.1 55.8 41.6 25.7 27.9 30.4 37.9 34.0 20 Other 6.2 4.9 4.9 5.5 4.6 7.3 7.1 6.4 5.1 5.5 5.8 5.7 21 Cash assets 7 53.4 61.0 58.7 56.4 66.0 141.1 299.9 345.9 381.5 339.4 338.6 326.1 22 Other assets 8 47.4 59.7 49.5 43.3 48.0 59.5 53.3 54.4 48.3 46.4 45.2 51.9 23 Total Assets 9 1,353.7 1,327.5 1,307.8 1,304.4 1,320.8 1,437.5 1,545.2 1,562.1 1,580.5 1,541.2 1,552.3 1,529.8 Liabilities 24 Deposits 1,009.2 1,151.8 1,112.9 1,126.2 1,109.3 940.0 871.8 890.6 900.3 928.9 915.4 904.6 25 Transaction 13.4 14.9 14.0 12.2 13.6 15.7 12.0 14.4 13.9 13.4 13.5 14.1 26 Nontransaction 995.7 1,137.0 1,098.9 1,114.0 1,095.7 924.3 859.8 876.2 886.3 915.5 901.9 890.5 27 Large time 972.5 1,113.2 1,076.1 1,091.7 1,074.4 906.0 842.5 858.5 868.3 896.9 883.6 872.4 29 Borrowings 611.2 616.9 611.3 615.9 618.9 634.9 642.3 607.8 596.9 571.4 603.3 600.9 30 From banks in the U.S. 71.7 69.4 71.9 70.5 89.8 60.2 44.0 34.3 37.5 36.1 40.5 36.4 31 From others 539.5 547.4 539.4 545.4 529.2 574.6 598.3 573.5 559.4 535.3 562.8 564.4 32 Net due to related foreign offices -397.9 -585.7 -556.1 -584.3 -561.1 -327.9 -162.5 -139.7 -113.7 -163.3 -170.5 -176.2 33 Other liabilities 128.9 140.5 135.5 141.9 148.6 184.8 188.5 198.2 192.0 199.2 199.0 195.5 33a Derivatives with a negative fair value 11 76.8 96.6 95.2 102.3 102.1 124.8 140.3 155.9 149.8 158.8 159.1 151.7 33b Other 52.1 43.9 40.2 39.6 46.4 60.0 48.2 42.3 42.3 40.3 40.0 43.8 34 Total Liabilities 1,351.3 1,323.5 1,303.5 1,299.7 1,315.6 1,431.7 1,540.1 1,557.0 1,575.4 1,536.1 1,547.2 1,524.8 35 Residual (assets less liabilities) 10 2.4 4.0 4.3 4.6 5.1 5.8 5.1 5.1 5.1 5.1 5.1 5.1 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Footnotes 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 domestically chartered); other domestically chartered commercial banks (small domestically chartered); 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 domestically chartered banks constitute a universe; data for small domestically chartered 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 domestically chartered 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. Includes other trading assets. 4. Excludes unearned income. Includes the allowance for loan and lease losses. 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 18. 5. Data for small domestically chartered banks are estimates based largely on quarter-end condition reports. Security loans for these banks are included in other loans and leases (line 17) on pages 9 and 10. 6. Lines 15, 17, and 19 include fed funds by counterparty. Small domestically chartered banks report only the total, which is distributed as 85 percent with banks (line 19), 10 percent with brokers (line 15), and 5 percent with others (line 17). Before July 4, 2007, foreign-related institutions reported the sum of fed funds and RPs with brokers and others, distributed as 80 percent with brokers (line 15) and 20 percent with others (line 17). 7. Includes vault cash, cash items in process of collection, balances due from depository institutions, and balances due from Federal Reserve Banks. 8. Excludes the due-from position with related foreign offices, which is included in line 32. 9. Excludes the allowance for loan and lease losses and the allocated transfer risk reserve. 10. 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. 11. 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 39. 12. Includes mortgage-backed securities issued by U.S. government agencies, U.S. government-sponsored enterprises, and private entities. 13. Difference between fair value and historical cost for securities classified as available-for-sale under FASB Statement 115. Data have been adjusted to include an estimate of tax effects, omitted from the reported data. 14. Includes the outstanding principal balance of assets sold and securitized by commercial banks with servicing retained or with recourse or other seller-provided credit enhancements. ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Current and historical H.8 data are available on the Federal Reserve Board's web site (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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------