Federal Reserve Statistical Release, H.8, Assets and Liabilities of Commercial Banks in the United States; title with eagle logo links to Statistical Release home page

Release Date: January 4, 2002

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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 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,165.5   5,331.6   5,328.3   5,328.8   5,346.1   5,419.5   5,399.8   5,427.0       5,428.3   5,423.2   5,402.3   5,399.3

  2     Securities in bank credit                        1,310.4   1,370.7   1,380.5   1,386.4   1,417.7   1,438.1   1,465.4   1,476.8       1,473.6   1,467.0   1,471.3   1,481.4
  3        Treasury and Agency securities (2)              786.2     766.8     764.4     770.1     783.5     795.0     814.4     824.0         846.8     828.7     826.7     827.5
  4        Other securities                                524.3     603.9     616.1     616.2     634.2     643.2     651.0     652.7         626.9     638.3     644.7     654.0

  5     Loans and leases in bank credit (3)              3,855.1   3,960.9   3,947.8   3,942.5   3,928.4   3,981.4   3,934.4   3,950.2       3,954.6   3,956.2   3,931.0   3,917.8
  6        Commercial and industrial                     1,083.6   1,097.6   1,080.9   1,070.4   1,063.8   1,067.7   1,051.5   1,039.7       1,034.2   1,033.4   1,025.6   1,020.7
  7        Real estate                                   1,651.9   1,705.0   1,708.3   1,717.4   1,715.4   1,722.7   1,732.3   1,747.8       1,761.8   1,773.1   1,756.0   1,738.0
  8          Revolving home equity                         127.5     135.3     136.3     137.5     139.4     142.1     147.4     149.9         151.7     152.8     146.6     136.6
  9          Other                                       1,524.4   1,569.7   1,572.0   1,579.9   1,576.0   1,580.7   1,585.0   1,597.9       1,610.1   1,620.4   1,609.4   1,601.4
  10       Consumer                                        536.4     553.4     551.8     550.0     548.2     548.8     553.3     560.2         561.3     560.6     561.0     561.4
  11       Security (4)                                    165.3     168.2     172.1     170.2     171.1     181.4     149.9     150.2         144.3     136.5     141.9     149.0
  12       Other loans and leases                          418.0     436.8     434.7     434.5     429.8     460.8     447.4     452.3         453.0     452.5     446.4     448.7

  13  Interbank loans                                      245.1     283.0     267.7     273.0     287.8     355.8     315.8     306.9         286.0     288.8     278.3     307.3

  14  Cash assets (5)                                      274.1     282.3     275.5     288.8     284.1     329.5     302.6     295.1         291.6     305.0     285.3     289.5

  15  Other assets (6)                                     384.9     416.7     408.8     419.1     432.7     470.7     490.2     478.9         477.5     479.3     466.0     499.8

  16  TOTAL ASSETS (7)                                   6,006.9   6,247.8   6,214.4   6,243.3   6,283.4   6,507.6   6,438.5   6,437.3       6,412.7   6,425.1   6,358.9   6,422.9

            L I A B I L I T I E S

  17  Deposits                                           3,782.2   4,011.5   4,045.4   4,071.4   4,083.7   4,208.9   4,164.3   4,184.5       4,202.5   4,213.8   4,204.9   4,219.4
  18    Transaction                                        601.0     613.1     601.0     606.1     611.0     689.2     637.2     631.5         621.3     626.9     639.0     643.1
  19    Nontransaction                                   3,181.2   3,398.4   3,444.4   3,465.3   3,472.7   3,519.8   3,527.0   3,553.1       3,581.2   3,587.0   3,565.9   3,576.4
  20       Large time                                      915.8     967.0     980.0     975.2     965.1     964.6     976.5     976.0         971.5     977.8     974.0     968.0
  21       Other                                         2,265.5   2,431.4   2,464.4   2,490.1   2,507.6   2,555.2   2,550.6   2,577.0       2,609.8   2,609.1   2,591.9   2,608.4

  22  Borrowings                                         1,188.5   1,238.8   1,205.4   1,217.4   1,228.2   1,282.1   1,261.0   1,237.2       1,227.0   1,247.9   1,224.2   1,248.1
  23    From banks in the U.S.                             365.7     384.1     382.0     390.0     398.1     443.6     421.6     402.8         401.7     412.7     398.3     407.9
  24    From others                                        822.9     854.7     823.4     827.4     830.1     838.5     839.4     834.4         825.3     835.3     825.8     840.2

  25  Net due to related foreign offices                   244.3     207.4     184.5     191.0     194.4     170.8     176.6     161.1         166.6     160.0     144.2     144.1

  26  Other liabilities                                    357.7     350.4     362.4     342.5     356.0     409.7     384.4     418.1         362.3     355.6     355.2     368.8

  27  TOTAL LIABILITIES                                  5,572.6   5,808.1   5,797.8   5,822.3   5,862.4   6,071.5   5,986.2   6,001.0       5,958.4   5,977.3   5,928.5   5,980.4

  28  Residual (assets less liabilities) (8)               434.3     439.7     416.6     420.9     421.0     436.1     452.3     436.3         454.3     447.7     430.4     442.5



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

  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 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,184.7   5,320.9   5,321.1   5,308.2   5,328.7   5,413.9   5,407.7   5,447.5       5,454.9   5,451.1   5,440.8   5,442.7

  2     Securities in bank credit                        1,314.4   1,369.9   1,379.9   1,377.3   1,410.9   1,434.4   1,463.2   1,480.7       1,483.5   1,472.9   1,476.4   1,483.7
  3        Treasury and Agency securities (2)              787.3     767.7     764.7     766.1     778.9     791.9     809.5     824.4         850.1     828.6     825.8     823.7
  4        Other securities                                527.1     602.2     615.1     611.3     632.0     642.4     653.7     656.3         633.5     644.3     650.5     660.1

  5     Loans and leases in bank credit (3)              3,870.3   3,950.9   3,941.3   3,930.8   3,917.9   3,979.5   3,944.5   3,966.8       3,971.4   3,978.2   3,964.4   3,959.0
  6        Commercial and industrial                     1,084.6   1,099.9   1,083.2   1,069.6   1,057.7   1,064.4   1,051.0   1,040.8       1,033.6   1,029.9   1,028.5   1,027.0
  7        Real estate                                   1,657.4   1,705.4   1,707.6   1,716.4   1,718.6   1,726.3   1,736.0   1,753.7       1,767.0   1,780.5   1,759.6   1,744.2
  8          Revolving home equity                         128.1     135.3     136.4     137.9     140.2     143.4     148.6     150.7         152.1     153.0     146.7     136.6
  9          Other                                       1,529.3   1,570.0   1,571.2   1,578.5   1,578.4   1,582.9   1,587.5   1,603.1       1,614.9   1,627.4   1,612.9   1,607.7
  10       Consumer                                        536.8     551.2     549.1     547.5     549.3     551.0     553.0     560.6         562.5     563.4     567.9     571.8
  10a        Credit card and related plans                 208.7     218.9     217.2     216.8     218.0     217.1     218.4     226.2         227.9     230.2     234.9     239.6
  10b        Other                                         328.1     332.3     331.9     330.7     331.3     333.9     334.6     334.4         334.5     333.2     333.0     332.2
  11       Security (4)                                    171.3     162.2     167.6     162.5     162.6     175.2     156.2     156.9         150.9     149.8     155.0     159.5
  12       Other loans and leases                          420.1     432.4     433.8     434.9     429.7     462.6     448.2     454.8         457.4     454.6     453.3     456.4

  13  Interbank loans                                      251.8     276.4     265.5     265.3     276.4     343.9     309.3     315.3         302.9     300.8     290.7     305.8

  14  Cash assets (5)                                      282.0     280.0     271.6     279.7     272.3     324.8     303.1     303.9         298.3     309.3     305.8     311.5

  15  Other assets (6)                                     384.5     417.1     409.7     417.7     429.8     470.7     485.7     478.5         483.0     483.2     473.4     506.3

  16  TOTAL ASSETS (7)                                   6,040.2   6,228.4   6,201.9   6,204.5   6,239.7   6,485.1   6,436.0   6,474.4       6,468.1   6,473.0   6,437.4   6,493.4

            L I A B I L I T I E S

  17  Deposits                                           3,804.2   3,999.5   4,026.5   4,039.7   4,043.1   4,183.4   4,151.7   4,207.8       4,245.8   4,253.8   4,254.1   4,265.2
  18    Transaction                                        607.1     603.4     600.7     599.8     597.2     683.1     631.4     637.7         630.9     635.3     667.9     681.4
  19    Nontransaction                                   3,197.0   3,396.1   3,425.8   3,439.9   3,445.9   3,500.3   3,520.3   3,570.2       3,614.9   3,618.5   3,586.1   3,583.7
  20       Large time                                      923.2     965.7     970.4     961.3     951.6     953.2     970.3     983.9         984.4     995.1     990.6     987.0
  21       Other                                         2,273.9   2,430.4   2,455.4   2,478.6   2,494.3   2,547.2   2,550.0   2,586.3       2,630.5   2,623.4   2,595.6   2,596.8

  22  Borrowings                                         1,196.8   1,243.8   1,206.2   1,208.2   1,206.7   1,276.8   1,258.6   1,245.5       1,231.8   1,239.0   1,233.9   1,246.4
  23    From banks in the U.S.                             366.5     387.3     382.8     386.7     389.9     433.8     416.4     403.6         403.5     410.8     401.9     408.1
  24    From others                                        830.3     856.6     823.4     821.4     816.8     843.0     842.3     841.9         828.3     828.2     832.0     838.3

  25  Net due to related foreign offices                   246.5     206.6     180.7     184.7     193.5     172.7     177.1     163.1         171.4     165.1     149.6     149.5

  26  Other liabilities                                    359.7     351.2     360.3     338.0     355.8     410.1     384.5     420.6         364.5     358.3     357.2     372.5

  27  TOTAL LIABILITIES                                  5,607.2   5,801.1   5,773.8   5,770.5   5,799.1   6,043.0   5,971.8   6,037.1       6,013.5   6,016.2   5,994.8   6,033.6

  28  Residual (assets less liabilities) (8)               433.0     427.3     428.1     434.0     440.6     442.2     464.2     437.3         454.6     456.7     442.6     459.8





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

  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 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,576.0   4,718.6   4,723.1   4,732.1   4,750.7   4,827.0   4,812.8   4,834.5       4,838.0   4,837.0   4,816.4   4,812.0

  2     Securities in bank credit                        1,112.9   1,155.0   1,162.6   1,166.3   1,197.4   1,215.8   1,239.2   1,249.2       1,248.6   1,241.1   1,244.6   1,252.3
  3        Treasury and Agency securities (2)              718.4     698.6     698.6     706.2     720.2     728.3     742.3     749.4         773.4     765.0     763.3     763.3
  4        Other securities                                394.5     456.4     464.0     460.1     477.2     487.5     496.9     499.8         475.2     476.0     481.3     489.0

  5     Loans and leases in bank credit (3)              3,463.1   3,563.6   3,560.5   3,565.8   3,553.2   3,611.2   3,573.7   3,585.3       3,589.5   3,595.9   3,571.9   3,559.7
  6        Commercial and industrial                       877.4     879.5     869.8     864.5     859.0     862.6     850.8     838.9         834.6     836.0     829.0     825.0
  7        Real estate                                   1,633.6   1,686.8   1,690.1   1,699.2   1,697.0   1,704.0   1,713.5   1,728.8       1,742.8   1,754.2   1,736.9   1,718.6
  8          Revolving home equity                         127.5     135.3     136.3     137.5     139.4     142.1     147.4     149.9         151.7     152.8     146.6     136.6
  9          Other                                       1,506.1   1,551.5   1,553.9   1,561.6   1,557.6   1,561.9   1,566.1   1,578.9       1,591.0   1,601.5   1,590.3   1,582.0
  10       Consumer                                        536.4     553.4     551.8     550.0     548.2     548.8     553.3     560.2         561.3     560.6     561.0     561.4
  11       Security (4)                                     65.3      75.2      80.8      83.5      86.5     102.4      77.2      73.3          66.7      61.8      65.6      74.8
  12       Other loans and leases                          350.4     368.8     368.0     368.7     362.5     393.5     378.8     384.0         384.2     383.3     379.5     379.8

  13  Interbank loans                                      218.1     253.9     246.4     251.8     267.6     329.8     291.7     281.3         256.5     269.1     259.1     285.8

  14  Cash assets (5)                                      235.6     244.9     239.1     252.0     246.6     284.0     263.3     257.5         254.5     267.6     248.3     252.9

  15  Other assets (6)                                     349.4     379.4     371.7     388.8     402.6     437.5     458.1     444.5         446.0     448.6     435.5     468.2

  16  TOTAL ASSETS (7)                                   5,316.9   5,531.3   5,514.8   5,558.5   5,600.5   5,810.8   5,756.3   5,747.7       5,724.9   5,751.6   5,686.6   5,746.4

            L I A B I L I T I E S

  17  Deposits                                           3,400.3   3,602.9   3,626.7   3,657.7   3,676.8   3,799.5   3,742.0   3,756.0       3,772.1   3,774.9   3,764.9   3,788.6
  18    Transaction                                        590.1     602.5     591.6     596.9     601.5     676.9     626.4     620.8         610.4     615.2     627.4     632.2
  19    Nontransaction                                   2,810.2   3,000.4   3,035.1   3,060.7   3,075.3   3,122.6   3,115.5   3,135.3       3,161.7   3,159.7   3,137.5   3,156.4
  20       Large time                                      546.9     571.3     573.1     573.0     570.1     569.8     567.7     560.6         554.2     552.9     547.9     550.3
  21       Other                                         2,263.3   2,429.1   2,462.1   2,487.8   2,505.2   2,552.8   2,547.8   2,574.7       2,607.4   2,606.8   2,589.6   2,606.1

  22  Borrowings                                           965.0   1,019.5     989.3   1,006.2   1,017.6   1,060.1   1,052.6   1,024.9       1,018.2   1,041.2   1,027.7   1,045.2
  23    From banks in the U.S.                             347.1     363.8     359.5     367.7     377.4     412.9     398.1     378.6         380.1     390.4     378.9     377.2
  24    From others                                        617.9     655.7     629.8     638.5     640.1     647.2     654.5     646.3         638.1     650.8     648.8     668.1

  25  Net due to related foreign offices                   237.0     211.8     204.1     207.1     205.7     188.5     193.8     191.9         200.6     213.6     191.5     189.4

  26  Other liabilities                                    284.5     263.9     277.5     263.1     277.5     329.3     309.4     340.5         289.6     281.9     282.6     290.7

  27  TOTAL LIABILITIES                                  4,886.8   5,098.1   5,097.6   5,134.1   5,177.6   5,377.4   5,297.8   5,313.4       5,280.4   5,311.6   5,266.7   5,314.0

  28  Residual (assets less liabilities) (8)               430.1     433.2     417.2     424.4     422.9     433.5     458.6     434.3         444.5     440.0     420.0     432.4



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

  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 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,592.4   4,712.6   4,719.7   4,716.0   4,739.7   4,823.1   4,817.8   4,852.2       4,861.3   4,855.8   4,845.6   4,843.2

  2     Securities in bank credit                        1,116.9   1,154.2   1,161.9   1,157.3   1,190.6   1,212.1   1,237.0   1,253.2       1,258.4   1,247.0   1,249.6   1,254.7
  3        Treasury and Agency securities (2)              719.5     699.5     699.0     702.2     715.6     725.3     737.3     749.8         776.7     764.9     762.4     759.5
  4        Other securities                                397.4     454.8     462.9     455.1     475.0     486.8     499.6     503.3         481.8     482.0     487.2     495.2

  5     Loans and leases in bank credit (3)              3,475.5   3,558.3   3,557.7   3,558.7   3,549.1   3,611.1   3,580.8   3,599.0       3,602.9   3,608.8   3,596.0   3,588.6
  6        Commercial and industrial                       877.8     884.8     873.2     864.4     854.2     859.7     850.1     839.3         833.6     832.2     829.4     827.3
  7        Real estate                                   1,639.2   1,687.2   1,689.5   1,698.2   1,700.2   1,707.6   1,717.2   1,734.7       1,748.0   1,761.5   1,740.5   1,724.9
  8          Revolving home equity                         128.1     135.3     136.4     137.9     140.2     143.4     148.6     150.7         152.1     153.0     146.7     136.6
  9          Other                                       1,511.0   1,551.8   1,553.1   1,560.3   1,560.0   1,564.2   1,568.6   1,584.0       1,595.9   1,608.5   1,593.8   1,588.3
  10       Consumer                                        536.8     551.2     549.1     547.5     549.3     551.0     553.0     560.6         562.5     563.4     567.9     571.8
  10a        Credit card and related plans                 208.7     218.9     217.2     216.8     218.0     217.1     218.4     226.2         227.9     230.2     234.9     239.6
  10d        Other                                         328.1     332.3     331.9     330.7     331.3     333.9     334.6     334.4         334.5     333.2     333.0     332.2
  11       Security (4)                                     69.8      70.0      78.2      78.6      81.8      97.3      80.4      78.4          71.9      68.0      74.3      80.7
  12       Other loans and leases                          352.0     365.2     367.7     370.1     363.7     395.4     380.1     386.0         387.0     383.6     383.9     383.9

  13  Interbank loans                                      224.8     247.4     244.2     244.0     256.2     317.9     285.2     289.7         273.4     281.2     271.5     284.2

  14  Cash assets (5)                                      241.5     243.5     236.4     244.2     236.0     280.3     263.0     264.3         259.0     270.0     266.0     271.9

  15  Other assets (6)                                     349.0     380.2     373.9     388.1     399.9     437.8     454.1     444.0         450.1     450.5     441.3     473.4

  16  TOTAL ASSETS (7)                                   5,345.4   5,518.1   5,508.5   5,526.2   5,564.7   5,791.4   5,750.7   5,779.8       5,773.3   5,786.5   5,751.5   5,800.3

            L I A B I L I T I E S

  17  Deposits                                           3,419.6   3,589.7   3,614.8   3,636.2   3,647.9   3,781.9   3,736.8   3,776.1       3,808.4   3,803.2   3,801.1   3,816.1
  18    Transaction                                        596.1     593.2     591.3     590.5     587.6     670.4     620.5     626.8         619.6     623.3     655.4     669.8
  19    Nontransaction                                   2,823.5   2,996.5   3,023.5   3,045.7   3,060.3   3,111.5   3,116.3   3,149.3       3,188.7   3,179.9   3,145.7   3,146.3
  20       Large time                                      551.8     568.4     570.4     569.3     568.3     566.8     569.1     565.4         560.6     558.9     552.5     552.0
  21       Other                                         2,271.7   2,428.1   2,453.1   2,476.3   2,492.0   2,544.8   2,547.2   2,583.9       2,628.2   2,621.0   2,593.2   2,594.4

  22  Borrowings                                           973.3   1,024.5     990.1     997.0     996.0   1,054.8   1,050.3   1,033.3       1,023.1   1,032.4   1,037.4   1,043.6
  23    From banks in the U.S.                             347.9     366.9     360.3     364.5     369.2     403.2     392.9     379.4         381.9     388.6     382.4     377.4
  24    From others                                        625.4     657.6     629.8     632.5     626.8     651.6     657.3     653.9         641.1     643.8     655.0     666.1

  25  Net due to related foreign offices                   238.9     214.1     203.4     204.0     206.1     188.0     193.9     193.7         200.8     214.7     191.1     191.1

  26  Other liabilities                                    286.3     266.2     276.9     260.0     277.9     328.6     309.3     343.0         289.9     283.1     282.4     292.9

  27  TOTAL LIABILITIES                                  4,918.1   5,094.6   5,085.3   5,097.1   5,127.9   5,353.2   5,290.3   5,346.1       5,322.2   5,333.4   5,312.0   5,343.6

  28  Residual (assets less liabilities) (8)               427.2     423.5     423.1     429.1     436.8     438.2     460.4     433.7         451.1     453.1     439.5     456.7






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

  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 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,556.4   2,635.7   2,632.9   2,625.3   2,625.4   2,688.8   2,630.4   2,633.5       2,622.4   2,617.2   2,593.5   2,596.7

  2     Securities in bank credit                          576.7     610.0     613.1     609.9     631.1     642.2     649.5     653.4         644.7     633.2     635.1     645.9
  3        Treasury and Agency securities (2)              354.8     355.1     352.4     352.1     359.4     362.5     363.6     367.0         385.4     375.4     374.4     377.1
  3a         Trading account                                21.6      35.3      35.1      38.3      36.3      37.9      35.7      40.3          43.5      36.9      31.2      30.2
  3b         Investment account                            333.2     319.9     317.3     313.8     323.2     324.5     328.0     326.8         341.9     338.5     343.1     346.9
  4        Other securities                                221.9     254.8     260.7     257.8     271.7     279.8     285.9     286.4         259.3     257.8     260.7     268.8
  4a         Trading account                               114.5     137.0     143.5     140.8     153.1     160.9     165.4     163.9         137.0     134.0     130.0     124.4
  4b         Investment account                            107.4     117.8     117.2     117.1     118.5     118.8     120.4     122.5         122.3     123.8     130.7     144.4
  4c           State and local government                   26.3      28.1      27.9      27.8      27.6      27.5      26.8      27.1          26.8      26.8      27.1      27.1
  4d           Other                                        81.1      89.7      89.4      89.3      91.0      91.4      93.7      95.4          95.5      97.0     103.6     117.3

  5     Loans and leases in bank credit (3)              1,979.7   2,025.8   2,019.7   2,015.4   1,994.3   2,046.5   1,980.9   1,980.0       1,977.7   1,984.0   1,958.4   1,950.8
  6        Commercial and industrial                       591.9     583.2     571.2     562.1     557.0     561.3     548.4     538.4         532.3     534.1     527.2     525.2
  6a         Bankers acceptances                             1.0       0.8       0.7        --        --        --        --        --            --        --        --        --
  6b         Other                                         590.9     582.4     570.5     562.1     557.0     561.3     548.4     538.4         532.3     534.1     527.2     525.2
  7        Real estate                                     828.5     856.2     854.9     855.5     845.8     845.1     838.6     847.3         855.1     866.2     848.6     836.4
  8          Revolving home equity                          82.4      87.0      87.1      87.0      87.6      89.3      92.4      94.3          95.5      95.8      89.4      79.9
  9          Other                                         746.1     769.1     767.9     768.6     758.3     755.8     746.3     753.0         759.6     770.4     759.2     756.5
  10       Consumer                                        241.6     252.4     254.3     254.1     251.4     253.2     244.4     245.2         247.9     247.1     246.0     244.3
  11       Security (4)                                     58.9      66.8      72.6      75.2      78.0      93.7      69.4      65.5          58.8      53.8      57.6      66.5
  11a        Fed funds and RPs with broker/dealer           42.4      49.4      54.8      59.6      63.5      66.3      56.6      52.2          45.5      40.2      43.6      52.1
  11b        Other                                          16.5      17.4      17.8      15.5      14.5      27.4      12.8      13.2          13.3      13.6      14.1      14.5
  12a      State and local government                       12.8      13.0      13.4      14.2      14.2      14.4      15.3      15.6          15.7      15.1      14.6      14.5
  12b      Agricultural                                      9.8      10.6      10.3      10.0       9.4       9.2       9.2       9.3           9.3       9.3       9.2       9.2
  12c      Fed funds and RPs with others                    19.2      23.7      25.6      30.9      31.9      32.6      28.7      30.6          30.7      30.3      29.1      27.7
  12d      All other loans                                  86.6      85.5      84.8      81.6      75.6     107.2      92.9      92.6          91.9      92.2      90.5      92.3
  12e      Lease financing receivables                     130.4     134.4     132.6     131.7     131.0     129.9     134.0     135.6         136.1     135.9     135.3     134.8

  13  Interbank loans                                      140.7     134.8     131.4     136.2     150.5     208.7     188.2     177.1         154.6     164.8     156.5     176.9
  13a   Fed funds and RPs with banks                        64.2      73.4      72.7      71.3      80.1     132.9     106.7     103.0          85.5      95.9      88.5     105.1
  13b   Other                                               76.6      61.4      58.7      64.9      70.4      75.8      81.5      74.0          69.0      68.9      68.0      71.8

  14  Cash assets (5)                                      140.0     140.1     135.8     146.3     140.2     174.2     153.9     150.8         146.4     154.5     142.2     147.5

  15  Other assets (6)                                     261.1     274.1     261.8     269.5     281.4     309.4     328.6     316.0         312.6     316.3     307.3     303.8

  16  TOTAL ASSETS (7)                                   3,062.3   3,147.0   3,124.2   3,139.2   3,159.4   3,343.0   3,261.6   3,237.7       3,196.0   3,212.5   3,157.4   3,182.9



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

  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 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,660.7   1,734.8   1,739.4   1,751.6   1,753.9   1,858.9   1,793.9   1,798.3       1,797.8   1,798.1   1,790.1   1,797.9
  18    Transaction                                        299.0     304.8     300.3     306.7     304.3     375.6     322.5     321.1         317.3     318.3     325.3     331.1
  19    Nontransaction                                   1,361.8   1,430.0   1,439.1   1,444.9   1,449.6   1,483.3   1,471.4   1,477.2       1,480.4   1,479.8   1,464.8   1,466.8
  20       Large time                                      258.3     271.1     274.5     271.5     264.8     264.7     259.9     251.0         249.1     247.5     243.7     246.0
  21       Other                                         1,103.5   1,159.0   1,164.6   1,173.4   1,184.8   1,218.6   1,211.5   1,226.2       1,231.4   1,232.3   1,221.1   1,220.8

  22  Borrowings                                           646.0     683.4     655.2     668.7     674.0     705.1     688.5     658.7         652.7     671.3     654.9     665.8
  23    From banks in the U.S.                             196.8     213.5     211.1     218.9     226.5     257.4     232.5     213.0         215.9     224.3     214.1     207.7
  24    From others                                        449.2     469.9     444.1     449.7     447.4     447.8     456.0     445.7         436.8     447.0     440.8     458.1

  25  Net due to related foreign offices                   213.3     195.2     190.9     192.4     190.3     178.0     184.3     181.7         189.9     200.8     182.0     180.0

  26  Other liabilities                                    233.8     208.8     221.2     204.1     217.1     267.0     245.3     275.4         224.0     216.0     217.4     222.0

  27  TOTAL LIABILITIES                                  2,753.9   2,822.2   2,806.7   2,816.7   2,835.3   3,009.1   2,912.0   2,914.1       2,864.4   2,886.2   2,844.4   2,865.6

  28  Residual (assets less liabilities) (8)               308.4     324.8     317.5     322.5     324.2     333.9     349.7     323.6         331.7     326.3     313.0     317.3



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

  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 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,572.1   2,629.2   2,627.5   2,609.0   2,611.2   2,679.2   2,633.5   2,650.0       2,646.1   2,633.9   2,618.0   2,615.7

  2     Securities in bank credit                          582.4     607.6     610.8     601.0     624.9     638.6     649.7     659.2         656.9     640.6     641.2     647.4
  3        Treasury and Agency securities (2)              357.6     354.4     351.1     348.1     355.5     359.6     361.1     369.3         391.0     376.8     374.6     372.5
  3a         Trading account                                21.8      35.2      35.0      37.9      35.9      37.6      35.4      40.5          44.2      37.1      31.2      29.9
  3b         Investment account                            335.8     319.3     316.1     310.3     319.6     321.9     325.7     328.8         346.8     339.8     343.4     342.6
  3c           Mortgage-backed                             216.2     234.2     229.7     229.0     241.7     247.2     257.5     255.8         270.7     265.2     270.5     269.4
  3d           Other                                       119.6      85.0      86.4      81.2      77.9      74.8      68.2      73.0          76.1      74.6      72.9      73.2
  3e             1 year or less                             33.1      27.0      25.5      21.1      20.1      20.1      18.4      27.4          29.4      28.1      25.2      25.0
  3f             Between 1 and 5 years                      50.5      31.3      34.4      34.3      33.8      34.6      32.7      31.4          34.0      34.5      35.7      35.9
  3g             More than 5 years                          36.0      26.7      26.6      25.9      24.0      20.1      17.1      14.2          12.8      12.0      12.1      12.3
  4        Other securities                                224.8     253.2     259.7     252.9     269.5     279.0     288.6     289.9         265.9     263.8     266.6     274.9
  4a         Trading account                               116.0     136.1     142.9     138.1     151.9     160.5     167.0     165.9         140.5     137.1     133.0     127.2
  4b         Investment account                            108.8     117.1     116.8     114.8     117.6     118.5     121.6     124.1         125.4     126.7     133.6     147.7
  4c           State and local government                   26.6      28.0      27.8      27.3      27.3      27.4      27.0      27.5          27.4      27.4      27.7      27.8
  4d           Other                                        82.2      89.1      89.0      87.6      90.2      91.1      94.5      96.6          97.9      99.2     106.0     120.0

  5     Loans and leases in bank credit (3)              1,989.7   2,021.6   2,016.7   2,008.0   1,986.3   2,040.6   1,983.8   1,990.8       1,989.2   1,993.3   1,976.7   1,968.4
  6        Commercial and industrial                       593.0     585.9     572.8     562.1     553.8     559.9     548.0     539.4         531.6     530.4     526.7     525.3
  6a         Bankers acceptances                             1.0       0.8       0.7        --        --        --        --        --            --        --        --        --
  6b         Other                                         592.1     585.1     572.1     562.1     553.8     559.9     548.0     539.4         531.6     530.4     526.7     525.3
  7        Real estate                                     833.7     855.8     853.6     854.1     847.2     847.0     841.2     852.8         861.7     873.7     852.9     839.9
  8          Revolving home equity                          82.8      87.0      87.3      87.6      88.6      90.5      93.3      94.8          95.7      95.9      89.4      79.5
  9a         Other residential                             454.7     469.0     465.4     465.6     458.3     455.3     440.0     449.0         457.5     468.6     455.0     452.4
  9b         Commercial                                    296.2     299.8     300.9     300.8     300.3     301.3     307.9     309.0         308.5     309.1     308.4     308.1
  10       Consumer                                        240.0     252.9     253.8     252.4     250.2     251.9     242.0     243.6         247.2     247.3     248.1     248.2
  10a        Credit card and related plans                  78.1      87.0      88.0      87.3      85.1      84.6      75.8      76.5          78.8      79.9      80.6      80.6
  10f        Other                                         161.9     165.9     165.8     165.1     165.1     167.3     166.2     167.1         168.4     167.4     167.5     167.6
  11       Security (4)                                     63.0      62.0      70.2      70.5      73.6      88.7      72.5      70.1          63.3      59.6      66.2      72.5
  11a        Fed funds and RPs with broker/dealer           45.4      45.8      53.0      55.9      59.9      62.9      59.1      56.0          49.0      44.6      50.0      56.8
  11b        Other                                          17.6      16.2      17.3      14.6      13.7      25.9      13.4      14.2          14.3      15.0      16.2      15.8
  12a      State and local government                       12.8      13.0      13.4      14.2      14.2      14.4      15.3      15.6          15.7      15.1      14.6      14.5
  12b      Agricultural                                      9.8      10.5      10.4      10.1       9.6       9.3       9.3       9.4           9.2       9.2       9.2       9.2
  12c      Fed funds and RPs with others                    19.2      23.7      25.6      30.9      31.9      32.6      28.7      30.6          30.7      30.3      29.1      27.7
  12d      All other loans                                  87.9      84.1      84.8      82.4      75.7     108.4      93.1      93.8          93.9      92.1      94.7      95.8
  12e      Lease financing receivables                     130.1     133.7     132.2     131.2     130.2     128.5     133.8     135.5         135.9     135.7     135.2     135.3

  13  Interbank loans                                      141.6     137.1     135.9     136.0     145.0     200.9     180.6     178.1         158.0     167.5     163.9     176.9
  13a   Fed funds and RPs with banks                        64.6      74.6      75.1      71.2      77.2     127.9     102.3     103.7          87.5      97.5      92.7     105.1
  13b   Other                                               77.0      62.5      60.7      64.8      67.8      73.0      78.2      74.5          70.6      70.1      71.2      71.8

  14  Cash assets (5)                                      141.1     140.2     134.3     139.9     132.5     169.9     152.9     152.2         147.2     155.9     154.7     160.6

  15  Other assets (6)                                     260.8     275.0     264.0     268.8     278.8     309.6     324.6     315.5         316.7     318.2     313.1     309.0

  16  TOTAL ASSETS (7)                                   3,079.4   3,143.7   3,123.8   3,115.8   3,129.1   3,321.3   3,252.3   3,256.1       3,227.8   3,235.0   3,207.4   3,220.4

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

  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 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,667.9   1,728.1   1,739.0   1,743.4   1,737.9   1,847.7   1,787.3   1,805.5       1,812.2   1,807.8   1,808.5   1,810.5
  18    Transaction                                        301.3     300.6     300.4     301.9     293.2     369.2     316.9     323.6         320.8     322.2     344.5     356.4
  19    Nontransaction                                   1,366.6   1,427.5   1,438.5   1,441.5   1,444.7   1,478.5   1,470.4   1,482.0       1,491.4   1,485.7   1,464.0   1,454.1
  20       Large time                                      263.1     268.2     271.9     267.9     263.0     261.6     261.2     255.8         255.4     253.5     248.3     247.6
  21       Other                                         1,103.5   1,159.3   1,166.6   1,173.6   1,181.7   1,216.8   1,209.2   1,226.2       1,236.0   1,232.2   1,215.7   1,206.5

  22  Borrowings                                           654.3     688.5     656.0     659.4     652.4     699.8     686.2     667.1         657.6     662.4     664.6     664.1
  23    From banks in the U.S.                             197.7     216.7     211.9     215.6     218.3     247.6     227.3     213.8         217.7     222.5     217.6     208.0
  24    From others                                        456.6     471.8     444.1     443.8     434.1     452.2     458.9     453.2         439.9     439.9     447.0     456.2

  25  Net due to related foreign offices                   215.3     197.5     190.3     189.2     190.6     177.4     184.5     183.5         190.1     201.9     181.7     181.7

  26  Other liabilities                                    235.6     211.0     220.6     201.0     217.5     266.3     245.1     277.8         224.4     217.3     217.2     224.1

  27  TOTAL LIABILITIES                                  2,773.2   2,825.1   2,805.8   2,793.1   2,798.5   2,991.2   2,903.1   2,933.9       2,884.3   2,889.5   2,872.0   2,880.5

  28  Residual (assets less liabilities) (8)               306.3     318.6     317.9     322.7     330.6     330.1     349.2     322.2         343.5     345.5     335.4     339.9













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

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H.8 (510)                                                                                                                                                                   Page 9
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                     January 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,019.6   2,082.9   2,090.2   2,106.9   2,125.3   2,138.3   2,182.5   2,201.0       2,215.7   2,219.8   2,222.9   2,215.3

  2     Securities in bank credit                          536.3     545.1     549.4     556.4     566.3     573.6     589.7     595.8         603.9     607.9     609.5     606.4
  3        Treasury and Agency securities (2)              363.6     343.5     346.2     354.2     360.8     365.8     378.6     382.4         388.0     389.6     388.9     386.2
  4        Other securities                                172.6     201.6     203.2     202.2     205.5     207.8     211.1     213.4         215.9     218.3     220.6     220.2

  5     Loans and leases in bank credit (3)              1,483.3   1,537.8   1,540.8   1,550.5   1,559.0   1,564.7   1,592.8   1,605.2       1,611.8   1,612.0   1,613.5   1,608.9
  6        Commercial and industrial                       285.5     296.3     298.6     302.4     302.1     301.3     302.5     300.6         302.4     301.9     301.8     299.8
  7        Real estate                                     805.1     830.6     835.2     843.6     851.2     858.8     874.9     881.5         887.7     888.0     888.2     882.2
  8          Revolving home equity                          45.1      48.3      49.2      50.5      51.8      52.8      55.0      55.6          56.3      56.9      57.1      56.7
  9          Other                                         760.0     782.3     786.0     793.1     799.4     806.1     819.9     825.9         831.4     831.1     831.1     825.6
  10       Consumer                                        294.9     300.9     297.5     295.9     296.8     295.6     308.8     315.0         313.4     313.5     314.9     317.1
  11       Security (4)                                      6.4       8.4       8.2       8.3       8.4       8.7       7.8       7.8           7.9       8.0       7.9       8.3
  12       Other loans and leases                           91.6     101.6     101.3     100.3     100.5     100.3      98.8     100.3         100.4     100.6     100.7     101.4

  13  Interbank loans                                       77.4     119.1     114.9     115.5     117.0     121.1     103.5     104.2         102.0     104.3     102.6     109.0

  14  Cash assets (5)                                       95.7     104.8     103.3     105.6     106.4     109.8     109.4     106.7         108.1     113.0     106.1     105.4

  15  Other assets (6)                                      88.3     105.3     109.9     119.3     121.2     128.1     129.5     128.5         133.4     132.4     128.2     164.4

  16  TOTAL ASSETS (7)                                   2,254.6   2,384.3   2,390.6   2,419.2   2,441.0   2,467.8   2,494.7   2,510.0       2,528.8   2,539.1   2,529.3   2,563.5

            L I A B I L I T I E S

  17  Deposits                                           1,739.6   1,868.1   1,887.3   1,906.1   1,922.8   1,940.5   1,948.1   1,957.7       1,974.3   1,976.8   1,974.8   1,990.8
  18    Transaction                                        291.1     297.7     291.2     290.2     297.2     301.2     303.9     299.6         293.0     296.9     302.1     301.1
  19    Nontransaction                                   1,448.4   1,570.4   1,596.1   1,615.9   1,625.7   1,639.3   1,644.2   1,658.1       1,681.3   1,679.9   1,672.7   1,689.6
  20       Large time                                      288.7     300.2     298.5     301.5     305.3     305.1     307.9     309.6         305.2     305.4     304.2     304.3
  21       Other                                         1,159.8   1,270.1   1,297.5   1,314.4   1,320.4   1,334.2   1,336.3   1,348.5       1,376.1   1,374.5   1,368.5   1,385.3

  22  Borrowings                                           319.0     336.1     334.1     337.6     343.6     355.0     364.1     366.2         365.4     369.9     372.8     379.4
  23    From banks in the U.S.                             150.3     150.3     148.4     148.8     150.9     155.6     165.7     165.6         164.2     166.1     164.8     169.4
  24    From others                                        168.7     185.8     185.7     188.7     192.7     199.4     198.4     200.6         201.2     203.8     208.0     210.0

  25  Net due to related foreign offices                    23.7      16.6      13.1      14.7      15.5      10.5       9.5      10.2          10.7      12.8       9.4       9.4

  26  Other liabilities                                     50.7      55.1      56.4      58.9      60.4      62.3      64.2      65.2          65.6      65.8      65.2      68.7

  27  TOTAL LIABILITIES                                  2,132.9   2,275.9   2,290.9   2,317.3   2,342.3   2,368.3   2,385.8   2,399.3       2,416.0   2,425.4   2,422.3   2,448.4

  28  Residual (assets less liabilities) (8)               121.7     108.4      99.7     101.9      98.7      99.5     108.9     110.7         112.8     113.7     107.0     115.1



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                 January 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,020.4   2,083.4   2,092.2   2,107.0   2,128.5   2,143.9   2,184.3   2,202.2       2,215.2   2,221.9   2,227.7   2,227.5

  2     Securities in bank credit                          534.5     546.6     551.1     556.2     565.6     573.5     587.3     594.0         601.6     606.4     608.4     607.3
  3        Treasury and Agency securities (2)              361.9     345.0     347.8     354.0     360.1     365.7     376.2     380.6         385.7     388.1     387.8     387.1
  4        Other securities                                172.6     201.6     203.2     202.2     205.5     207.8     211.1     213.4         215.9     218.3     220.6     220.2

  5     Loans and leases in bank credit (3)              1,485.9   1,536.8   1,541.1   1,550.7   1,562.9   1,570.4   1,597.0   1,608.2       1,613.6   1,615.5   1,619.3   1,620.2
  6        Commercial and industrial                       284.8     298.9     300.4     302.3     300.4     299.8     302.1     299.9         302.0     301.8     302.7     302.0
  7        Real estate                                     805.4     831.4     835.9     844.1     853.0     860.6     876.0     882.0         886.2     887.8     887.6     884.9
  8          Revolving home equity                          45.3      48.4      49.2      50.3      51.6      53.0      55.3      55.9          56.3      57.1      57.3      57.1
  9          Other                                         760.1     783.0     786.8     793.8     801.4     807.6     820.7     826.1         829.9     830.8     830.3     827.8
  10       Consumer                                        296.8     298.3     295.3     295.1     299.1     299.2     311.0     317.0         315.3     316.1     319.8     323.6
  10a        Credit card and related plans                 130.6     131.9     129.3     129.5     132.9     132.5     142.6     149.8         149.2     150.3     154.3     159.0
  10h        Other                                         166.2     166.3     166.0     165.6     166.2     166.6     168.4     167.3         166.1     165.8     165.5     164.6
  11       Security (4)                                      6.7       8.0       8.0       8.1       8.2       8.6       7.9       8.2           8.5       8.4       8.1       8.2
  12       Other loans and leases                           92.1     100.2     101.4     101.2     102.2     102.3     100.0     101.1         101.6     101.3     101.1     101.5

  13  Interbank loans                                       83.2     110.2     108.3     108.0     111.2     117.0     104.6     111.5         115.4     113.6     107.7     107.3

  14  Cash assets (5)                                      100.4     103.3     102.1     104.3     103.6     110.5     110.1     112.1         111.8     114.1     111.3     111.3

  15  Other assets (6)                                      88.3     105.3     109.9     119.3     121.2     128.1     129.5     128.5         133.4     132.4     128.2     164.4

  16  TOTAL ASSETS (7)                                   2,266.0   2,374.4   2,384.7   2,410.5   2,435.6   2,470.1   2,498.4   2,523.7       2,545.5   2,551.5   2,544.2   2,579.9

            L I A B I L I T I E S

  17  Deposits                                           1,751.6   1,861.7   1,875.9   1,892.8   1,910.0   1,934.2   1,949.5   1,970.5       1,996.1   1,995.4   1,992.6   2,005.5
  18    Transaction                                        294.8     292.6     290.9     288.7     294.4     301.2     303.6     303.2         298.8     301.1     310.9     313.3
  19    Nontransaction                                   1,456.9   1,569.1   1,585.0   1,604.2   1,615.6   1,633.0   1,645.9   1,667.4       1,697.3   1,694.2   1,681.7   1,692.2
  20       Large time                                      288.7     300.2     298.5     301.5     305.3     305.1     307.9     309.6         305.2     305.4     304.2     304.3
  21       Other                                         1,168.2   1,268.8   1,286.5   1,302.7   1,310.3   1,327.9   1,338.0   1,357.8       1,392.1   1,388.9   1,377.5   1,387.9

  22  Borrowings                                           319.0     336.1     334.1     337.6     343.6     355.0     364.1     366.2         365.4     369.9     372.8     379.4
  23    From banks in the U.S.                             150.3     150.3     148.4     148.8     150.9     155.6     165.7     165.6         164.2     166.1     164.8     169.4
  24    From others                                        168.7     185.8     185.7     188.7     192.7     199.4     198.4     200.6         201.2     203.8     208.0     210.0

  25  Net due to related foreign offices                    23.7      16.6      13.1      14.7      15.5      10.5       9.5      10.2          10.7      12.8       9.4       9.4

  26  Other liabilities                                     50.7      55.1      56.4      58.9      60.4      62.3      64.2      65.2          65.6      65.8      65.2      68.7

  27  TOTAL LIABILITIES                                  2,145.0   2,269.4   2,279.5   2,304.1   2,329.4   2,362.0   2,387.2   2,412.1       2,437.9   2,443.9   2,440.1   2,463.2

  28  Residual (assets less liabilities) (8)               121.0     105.0     105.2     106.4     106.2     108.1     111.2     111.6         107.6     107.6     104.1     116.8




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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                           January 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          589.6     613.0     605.2     596.7     595.5     592.5     587.0     592.5         590.2     586.2     585.9     587.2

  2     Securities in bank credit                          197.5     215.7     217.9     220.1     220.3     222.3     226.2     227.5         225.1     225.9     226.8     229.1
  3        Treasury and Agency securities (2)               67.8      68.2      65.8      63.9      63.3      66.7      72.2      74.6          73.4      63.6      63.4      64.2
  4        Other securities                                129.7     147.5     152.2     156.1     157.0     155.6     154.1     152.9         151.7     162.3     163.4     164.9

  5     Loans and leases in bank credit (3)                392.1     397.3     387.3     376.6     375.2     370.2     360.7     365.0         365.1     360.3     359.1     358.1
  6        Commercial and industrial                       206.2     218.2     211.1     205.9     204.8     205.1     200.7     200.8         199.6     197.4     196.7     195.6
  7        Real estate                                      18.3      18.2      18.1      18.2      18.4      18.7      18.8      19.0          19.1      18.9      19.1      19.4
  11       Security (4)                                    100.0      93.0      91.3      86.7      84.7      79.0      72.7      76.9          77.6      74.7      76.4      74.2
  12       Other loans and leases                           67.6      68.0      66.7      65.8      67.3      67.4      68.5      68.2          68.8      69.2      67.0      68.9

  13  Interbank loans                                       27.0      29.1      21.3      21.2      20.2      26.0      24.1      25.6          29.4      19.6      19.2      21.5

  14  Cash assets (5)                                       38.4      37.4      36.3      36.8      37.5      45.5      39.3      37.5          37.1      37.4      37.0      36.6

  15  Other assets (6)                                      35.4      37.4      37.1      30.4      30.1      33.2      32.2      34.4          31.5      30.7      30.6      31.5

  16  TOTAL ASSETS (7)                                     690.1     716.5     699.6     684.8     682.9     696.7     682.1     689.6         687.8     673.5     672.3     676.5

            L I A B I L I T I E S

  17  Deposits                                             381.9     408.6     418.8     413.7     407.0     409.5     422.3     428.5         430.5     438.9     440.0     430.8
  18    Transaction                                         10.8      10.6       9.5       9.2       9.5      12.3      10.8      10.7          10.9      11.6      11.6      10.8
  19    Nontransaction                                     371.0     398.0     409.3     404.6     397.4     397.2     411.5     417.8         419.5     427.3     428.4     420.0

  22  Borrowings                                           223.5     219.3     216.1     211.2     210.6     222.0     208.3     212.3         208.8     206.7     196.5     202.8
  23    From banks in the U.S.                              18.6      20.3      22.5      22.3      20.7      30.6      23.4      24.2          21.6      22.2      19.5      30.7
  24    From others                                        204.9     199.0     193.7     188.9     190.0     191.4     184.9     188.0         187.2     184.5     177.0     172.1

  25  Net due to related foreign offices                     7.3      -4.3     -19.6     -16.1     -11.3     -17.7     -17.2     -30.8         -34.0     -53.6     -47.3     -45.4

  26  Other liabilities                                     73.2      86.5      84.9      79.4      78.5      80.4      75.0      77.6          72.7      73.7      72.6      78.1

  27  TOTAL LIABILITIES                                    685.9     710.0     700.2     688.2     684.8     694.1     688.4     687.6         678.0     665.8     661.8     666.4

  28  Residual (assets less liabilities) (8)                 4.2       6.5      -0.6      -3.4      -1.9       2.6      -6.3       2.0           9.8       7.7      10.4      10.1



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                       January 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          592.2     608.3     601.4     592.2     589.0     590.7     589.9     595.3         593.6     595.3     595.2     599.5

  2     Securities in bank credit (2)                      197.5     215.7     217.9     220.1     220.3     222.3     226.2     227.5         225.1     225.9     226.8     229.1
  3        Treasury and Agency securities                   67.8      68.2      65.8      63.9      63.3      66.7      72.2      74.6          73.4      63.6      63.4      64.2
  3a         Trading account                                10.9      13.8      13.8      13.0      12.3      14.0      15.3      14.1          13.5      13.4      13.1      12.3
  3b         Investment account                             56.9      54.4      52.0      50.9      51.0      52.6      56.8      60.5          59.9      50.2      50.3      51.9
  4        Other securities                                129.7     147.5     152.2     156.1     157.0     155.6     154.1     152.9         151.7     162.3     163.4     164.9
  4a         Trading account                                89.6      99.9     106.4     108.1     111.0     110.1     108.7     107.9         107.1     106.6     106.4     110.5
  4b         Investment account                             40.1      47.6      45.8      48.1      46.0      45.6      45.4      45.0          44.5      55.6      56.9      54.4

  5     Loans and leases in bank credit (3)                394.7     392.6     383.5     372.1     368.7     368.4     363.7     367.8         368.5     369.4     368.4     370.4
  6        Commercial and industrial                       206.8     215.1     210.0     205.2     203.5     204.7     200.9     201.5         200.0     197.7     199.1     199.8
  7        Real estate                                      18.3      18.2      18.1      18.2      18.4      18.7      18.8      19.0          19.1      18.9      19.1      19.4
  11       Security (4)                                    101.5      92.2      89.4      83.9      80.8      77.9      75.9      78.5          79.1      81.8      80.7      78.8
  12       Other loans and leases                           68.1      67.2      66.1      64.8      66.0      67.1      68.1      68.8          70.4      71.0      69.4      72.5

  13  Interbank loans                                       27.0      29.1      21.3      21.2      20.2      26.0      24.1      25.6          29.4      19.6      19.2      21.5

  14  Cash assets (5)                                       40.5      36.5      35.2      35.5      36.3      44.5      40.1      39.6          39.3      39.2      39.8      39.7

  15  Other assets (6)                                      35.5      36.8      35.8      29.6      29.8      32.9      31.7      34.4          32.9      32.7      32.1      32.9

  16  TOTAL ASSETS (7)                                     694.8     710.4     693.4     678.2     675.0     693.7     685.3     694.6         694.8     686.5     685.8     693.2

            L I A B I L I T I E S

  17  Deposits                                             384.6     409.7     411.6     403.5     395.1     401.4     414.9     431.8         437.4     450.6     453.0     449.1
  18    Transaction                                         11.0      10.2       9.4       9.3       9.5      12.6      10.9      10.9          11.2      12.0      12.6      11.7
  19    Nontransaction                                     373.6     399.5     402.3     394.3     385.6     388.8     403.9     420.8         426.2     438.6     440.4     437.4

  22  Borrowings                                           223.5     219.3     216.1     211.2     210.6     222.0     208.3     212.3         208.8     206.7     196.5     202.8
  23    From banks in the U.S.                              18.6      20.3      22.5      22.3      20.7      30.6      23.4      24.2          21.6      22.2      19.5      30.7
  24    From others                                        204.9     199.0     193.7     188.9     190.0     191.4     184.9     188.0         187.2     184.5     177.0     172.1

  25  Net due to related foreign offices                     7.6      -7.5     -22.7     -19.3     -12.6     -15.2     -16.9     -30.7         -29.4     -49.7     -41.6     -41.6

  26  Other liabilities                                     73.4      85.0      83.4      78.0      78.0      81.5      75.2      77.7          74.5      75.3      74.8      79.6

  27  TOTAL LIABILITIES                                    689.1     706.5     688.4     673.4     671.2     689.7     681.5     691.0         691.3     682.9     682.7     690.0

  28  Residual (assets less liabilities) (8)                 5.8       3.8       5.0       4.9       3.8       4.0       3.8       3.5           3.5       3.6       3.1       3.1







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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars                                                                                                                       January 4, 2002


               Account                                    2000      2001      2001      2001      2001      2001      2001      2001                      Week ending
                                                           Nov       May       Jun       Jul       Aug       Sep       Oct       Nov          Dec 5    Dec 12    Dec 19    Dec 26 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)              68.1      82.0      87.5      79.8      89.8      97.9     100.3     103.0          82.9      84.1      83.6      79.3

  30  Reval. losses on off-bal. sheet items (9)             72.6      74.7      81.9      71.8      78.4      84.8      85.6      85.1          72.3      71.0      69.6      65.9

  31  Mortgage-backed securities (10)                      245.3     265.8     262.2     262.0     274.6     280.4     289.8     290.5         304.9     299.8     312.1     320.4
  31a   Pass-through                                       177.5     200.7     200.8     200.2     212.3     218.1     222.2     206.2         200.0     196.7     210.7     219.1
  31b   CMO, REMIC, and other                               67.7      65.1      61.4      61.9      62.3      62.3      67.6      84.2         104.9     103.1     101.4     101.3

  32  Net unrealized gains (losses) on                       0.7       4.9       4.2       2.6       5.0       7.0       9.4      10.1           5.6       6.3       5.6       5.4
        available-for-sale securities (11)

  33  Offshore credit to U.S. residents (12)                23.1      21.0      20.6      20.2      19.6      20.2      20.0      19.2          18.9      18.8      19.1      19.1

  34  Securitized consumer loans (13)                       77.4      80.3      81.7      96.2      96.1      97.1      98.1      99.6          98.6      98.6      99.7     101.0
  34a   Credit card and related plans                       68.0      71.1      72.8      86.1      85.6      86.8      87.8      88.3          87.5      87.5      88.7      90.0
  34b   Other                                                9.4       9.2       9.0      10.1      10.5      10.3      10.3      11.3          11.1      11.1      11.0      11.0

  35  Securitized business loans (13)                       14.2      14.2      14.7      14.8      15.0      15.1      15.4      14.9          14.2      14.0      14.0      14.0


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      208.8     229.2     232.8     240.0     245.0     251.2     258.2     263.4         267.8     269.0     267.0     268.3

  34  Securitized consumer loans (13)                      224.1     233.4     236.9     225.6     228.4     231.5     235.0     238.0         240.7     241.9     243.3     244.6
  34a   Credit card and related plans                      214.8     225.3     228.6     216.8     219.8     223.0     226.8     229.4         232.2     233.5     234.9     236.3
  34b   Other                                                9.4       8.2       8.3       8.7       8.6       8.5       8.2       8.6           8.5       8.4       8.4       8.3


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              46.4      56.8      57.7      54.9      57.6      57.3      58.2      56.6          55.1      55.0      53.9      58.0

  30  Reval. losses on off-bal. sheet items (9)             42.5      52.3      52.4      49.7      52.1      51.4      49.3      49.3          47.7      48.4      47.2      51.3

  35  Securitized business loans (13)                       34.3      30.8      29.6      27.4      26.6      26.5      26.6      25.2          24.5      24.4      23.9      23.5











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                   January 4, 2002

  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.
  10. Includes mortgage-backed securities issued by U.S. government agencies, U.S. government-sponsored enterprises, and private entities.
  11. Difference between fair value and historical cost for securities classified as available-for-sale under FASB Statement No. 115. Data are reported net of tax effects. Data
      shown are restated to include an estimate of these tax effects.
  12. Mainly commercial and industrial loans, but also includes an unknown amount of credit extended to other than nonfinancial businesses.
  13. Total amount outstanding.


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Last update: January 4, 2002