Notice to users of the H.8 release: Data on the attached H.8 have been benchmarked through the June 2002 Call Report. Data on the previous release were benchmarked through the March 2002 Call Report. 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 October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,424.7 5,429.7 5,448.9 5,507.2 5,553.0 5,600.1 5,683.1 5,741.8 5,720.2 5,744.1 5,751.5 5,750.0 2 Securities in bank credit 1,437.1 1,481.6 1,501.0 1,536.3 1,565.2 1,596.5 1,635.5 1,644.4 1,635.9 1,628.9 1,642.9 1,656.4 3 Treasury and Agency securities (2) 803.3 847.1 868.1 893.6 910.6 920.8 949.2 965.1 964.7 956.2 962.4 971.2 4 Other securities 633.7 634.5 633.0 642.7 654.6 675.8 686.4 679.4 671.1 672.7 680.4 685.2 5 Loans and leases in bank credit (3) 3,987.6 3,948.1 3,947.9 3,970.9 3,987.8 4,003.6 4,047.6 4,097.3 4,084.4 4,115.2 4,108.6 4,093.6 6 Commercial and industrial 1,066.1 1,025.6 1,009.5 1,004.9 997.9 985.4 985.7 978.8 980.7 978.4 979.7 971.0 7 Real estate 1,728.5 1,791.4 1,795.8 1,819.2 1,842.6 1,873.2 1,903.9 1,938.4 1,939.6 1,943.7 1,933.9 1,948.2 8 Revolving home equity 144.6 167.6 172.1 179.7 186.4 193.2 197.9 201.1 200.1 200.7 202.3 203.2 9 Other 1,583.9 1,623.8 1,623.6 1,639.5 1,656.3 1,679.9 1,706.0 1,737.3 1,739.5 1,743.0 1,731.6 1,745.0 10 Consumer 552.3 562.7 567.6 570.8 570.4 566.9 577.1 588.0 583.1 590.9 590.9 590.7 11 Security (4) 176.9 160.2 167.0 168.7 169.0 175.4 174.8 179.9 174.1 189.3 186.7 168.7 12 Other loans and leases 463.7 408.1 408.0 407.2 407.9 402.7 406.0 412.3 406.9 412.8 417.4 415.0 13 Interbank loans 346.2 269.8 270.7 288.4 282.4 287.8 303.5 315.0 305.9 316.3 318.2 322.3 14 Cash assets (5) 328.9 300.2 300.0 302.0 307.2 308.5 315.1 311.1 296.0 308.6 312.2 318.3 15 Other assets (6) 478.1 470.6 482.1 488.0 483.6 491.0 506.2 504.7 509.6 499.9 498.8 513.5 16 TOTAL ASSETS (7) 6,510.0 6,395.1 6,426.4 6,509.9 6,550.6 6,612.1 6,732.7 6,797.1 6,756.4 6,793.3 6,805.0 6,829.0 L I A B I L I T I E S 17 Deposits 4,220.3 4,311.4 4,334.2 4,368.6 4,392.8 4,433.0 4,476.0 4,485.3 4,475.6 4,469.8 4,473.7 4,503.1 18 Transaction 690.9 620.9 602.0 609.5 598.7 613.9 600.5 588.0 555.0 584.7 625.2 591.6 19 Nontransaction 3,529.4 3,690.5 3,732.3 3,759.1 3,794.1 3,819.1 3,875.4 3,897.3 3,920.6 3,885.1 3,848.5 3,911.5 20 Large time 966.3 1,026.1 1,042.9 1,046.2 1,039.3 1,048.8 1,048.4 1,042.6 1,044.7 1,044.2 1,037.7 1,039.4 21 Other 2,563.1 2,664.3 2,689.3 2,712.9 2,754.8 2,770.3 2,827.0 2,854.7 2,875.9 2,840.8 2,810.8 2,872.1 22 Borrowings 1,286.0 1,206.0 1,219.9 1,245.4 1,241.2 1,241.0 1,301.7 1,322.9 1,309.5 1,326.5 1,331.3 1,325.6 23 From banks in the U.S. 436.4 381.4 381.6 384.2 379.5 385.5 404.6 416.2 420.9 416.3 408.6 417.3 24 From others 849.6 824.6 838.3 861.3 861.7 855.5 897.1 906.7 888.5 910.1 922.7 908.3 25 Net due to related foreign offices 173.0 109.4 103.7 92.2 90.9 90.8 91.1 102.4 102.7 117.0 92.8 99.6 26 Other liabilities 403.9 309.7 320.7 336.7 368.6 397.0 416.3 423.8 418.1 418.7 429.2 429.7 27 TOTAL LIABILITIES 6,083.1 5,936.5 5,978.5 6,043.0 6,093.5 6,161.8 6,285.1 6,334.4 6,305.9 6,332.0 6,327.0 6,358.0 28 Residual (assets less liabilities) (8) 426.9 458.6 447.9 467.0 457.1 450.3 447.6 462.7 450.5 461.4 478.0 471.0 ------------------------------------------------- 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 October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,419.4 5,423.8 5,445.7 5,501.0 5,547.5 5,573.5 5,660.6 5,735.0 5,709.2 5,746.0 5,740.1 5,748.3 2 Securities in bank credit 1,433.9 1,487.3 1,500.4 1,533.5 1,561.0 1,582.4 1,626.8 1,640.7 1,633.0 1,624.4 1,636.4 1,654.2 3 Treasury and Agency securities (2) 800.4 853.4 869.8 891.2 907.9 912.5 942.8 961.6 962.7 952.1 957.1 967.2 4 Other securities 633.5 633.9 630.5 642.3 653.2 669.9 684.0 679.1 670.3 672.3 679.3 686.9 5 Loans and leases in bank credit (3) 3,985.6 3,936.5 3,945.3 3,967.5 3,986.4 3,991.1 4,033.8 4,094.3 4,076.2 4,121.6 4,103.7 4,094.2 6 Commercial and industrial 1,064.0 1,027.1 1,013.6 1,008.5 1,000.1 984.3 980.2 976.7 974.5 978.0 978.6 973.4 7 Real estate 1,730.2 1,783.8 1,792.4 1,821.8 1,843.6 1,872.5 1,905.1 1,940.5 1,942.4 1,946.9 1,935.5 1,949.8 8 Revolving home equity 145.3 166.0 171.5 180.1 186.6 193.0 198.0 202.1 201.1 202.0 203.4 204.0 9 Other 1,584.9 1,617.7 1,621.0 1,641.7 1,657.0 1,679.5 1,707.0 1,738.4 1,741.3 1,744.9 1,732.1 1,745.9 10 Consumer 551.6 560.0 564.2 569.0 566.3 561.0 573.6 587.5 581.4 591.6 591.7 589.5 10a Credit card and related plans 217.0 220.0 223.5 222.8 221.1 215.4 224.5 233.8 228.6 237.6 237.2 234.6 10b Other 334.6 339.9 340.6 346.2 345.2 345.6 349.1 353.7 352.8 354.1 354.5 354.8 11 Security (4) 175.7 157.9 166.1 162.3 168.0 170.8 170.4 178.1 170.5 193.5 184.7 165.5 12 Other loans and leases 464.1 407.8 409.0 405.9 408.5 402.4 404.6 411.5 407.4 411.6 413.1 416.0 13 Interbank loans 338.3 274.7 280.6 285.0 284.5 282.0 297.2 307.2 305.9 308.4 294.9 317.2 14 Cash assets (5) 325.6 290.3 299.1 299.2 299.5 299.3 300.9 308.0 298.6 300.5 298.6 313.8 15 Other assets (6) 480.7 470.1 482.6 487.7 481.6 489.7 503.5 507.3 513.0 500.9 498.3 521.3 16 TOTAL ASSETS (7) 6,495.9 6,383.6 6,432.9 6,497.3 6,537.5 6,569.3 6,686.8 6,781.8 6,751.1 6,780.0 6,756.3 6,825.5 L I A B I L I T I E S 17 Deposits 4,190.6 4,316.7 4,358.4 4,361.6 4,380.6 4,403.7 4,429.0 4,453.3 4,464.9 4,429.1 4,403.9 4,486.5 18 Transaction 683.8 616.0 610.4 601.5 595.7 606.5 585.2 581.9 559.0 574.6 599.1 590.8 19 Nontransaction 3,506.8 3,700.8 3,748.0 3,760.1 3,784.9 3,797.2 3,843.8 3,871.4 3,905.9 3,854.5 3,804.7 3,895.7 20 Large time 953.8 1,027.0 1,045.5 1,049.8 1,037.0 1,037.7 1,032.8 1,028.0 1,029.0 1,027.7 1,024.6 1,029.0 21 Other 2,553.0 2,673.8 2,702.5 2,710.3 2,747.9 2,759.5 2,811.0 2,843.4 2,876.9 2,826.8 2,780.2 2,866.7 22 Borrowings 1,281.7 1,204.1 1,226.1 1,251.9 1,240.2 1,230.9 1,281.4 1,320.3 1,295.1 1,331.1 1,336.0 1,326.3 23 From banks in the U.S. 428.0 385.6 386.5 385.4 377.0 381.5 399.4 409.3 412.1 410.5 401.5 411.5 24 From others 853.7 818.5 839.5 866.5 863.2 849.4 882.0 911.0 883.0 920.6 934.4 914.8 25 Net due to related foreign offices 173.6 111.1 95.1 91.7 87.0 81.7 88.2 102.9 101.5 116.2 98.7 98.7 26 Other liabilities 404.0 309.5 313.3 336.2 365.8 388.4 413.7 423.9 416.9 417.4 434.0 428.5 27 TOTAL LIABILITIES 6,049.9 5,941.4 5,992.9 6,041.4 6,073.6 6,104.7 6,212.2 6,300.4 6,278.4 6,293.8 6,272.5 6,340.0 28 Residual (assets less liabilities) (8) 446.0 442.2 440.0 455.9 463.9 464.5 474.6 481.4 472.7 486.1 483.8 485.5 ------------------------------------------------- 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 October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,832.6 4,831.9 4,850.8 4,910.0 4,947.3 4,991.0 5,065.2 5,125.3 5,104.9 5,121.2 5,137.4 5,142.9 2 Securities in bank credit 1,213.9 1,253.5 1,275.6 1,307.9 1,330.3 1,360.4 1,389.4 1,400.5 1,393.7 1,386.2 1,399.8 1,410.8 3 Treasury and Agency securities (2) 732.9 778.5 798.6 822.7 837.2 847.3 869.2 879.9 880.9 871.2 875.9 884.6 4 Other securities 481.0 474.9 477.0 485.2 493.1 513.1 520.3 520.6 512.7 515.1 523.9 526.2 5 Loans and leases in bank credit (3) 3,618.7 3,578.4 3,575.2 3,602.1 3,617.0 3,630.7 3,675.8 3,724.9 3,711.2 3,735.0 3,737.6 3,732.2 6 Commercial and industrial 864.9 824.0 811.5 806.2 803.1 793.8 795.4 793.1 793.0 791.4 794.3 791.5 7 Real estate 1,709.8 1,772.1 1,776.3 1,799.9 1,823.0 1,853.4 1,884.1 1,918.5 1,919.7 1,923.7 1,913.9 1,928.2 8 Revolving home equity 144.6 167.6 172.1 179.7 186.4 193.2 197.9 201.1 200.1 200.7 202.3 203.2 9 Other 1,565.2 1,604.5 1,604.2 1,620.1 1,636.6 1,660.2 1,686.2 1,717.3 1,719.7 1,723.0 1,711.6 1,725.0 10 Consumer 552.3 562.7 567.6 570.8 570.4 566.9 577.1 588.0 583.1 590.9 590.9 590.7 11 Security (4) 96.9 81.4 82.9 88.8 84.1 86.6 85.6 86.1 81.2 89.1 95.1 79.2 12 Other loans and leases 394.7 338.1 336.8 336.4 336.4 330.0 333.6 339.3 334.2 339.8 343.4 342.5 13 Interbank loans 320.5 249.1 248.8 265.0 262.2 270.5 285.4 293.8 283.1 295.7 297.6 302.4 14 Cash assets (5) 285.4 256.1 253.6 256.9 261.9 263.6 270.4 267.6 253.6 264.4 268.7 275.8 15 Other assets (6) 444.6 440.5 451.3 457.4 450.8 457.3 472.4 472.3 477.3 468.0 466.9 480.6 16 TOTAL ASSETS (7) 5,815.5 5,702.9 5,729.4 5,814.0 5,847.0 5,907.5 6,018.7 6,084.0 6,044.0 6,074.0 6,095.4 6,126.9 L I A B I L I T I E S 17 Deposits 3,809.4 3,823.4 3,827.4 3,861.0 3,884.6 3,929.3 3,978.9 3,999.9 3,981.4 3,979.4 3,995.1 4,036.6 18 Transaction 678.4 610.8 591.4 598.6 587.8 603.3 589.7 577.1 544.2 574.5 614.2 580.2 19 Nontransaction 3,131.1 3,212.6 3,236.0 3,262.4 3,296.8 3,326.0 3,389.3 3,422.8 3,437.2 3,404.9 3,380.8 3,456.4 20 Large time 570.4 552.8 548.9 550.7 544.7 563.2 570.5 574.5 569.7 571.2 574.2 586.3 21 Other 2,560.7 2,659.8 2,687.1 2,711.7 2,752.0 2,762.8 2,818.7 2,848.3 2,867.5 2,833.7 2,806.6 2,870.2 22 Borrowings 1,068.5 1,017.3 1,029.3 1,055.3 1,047.4 1,037.9 1,087.0 1,099.4 1,090.5 1,104.3 1,106.2 1,098.9 23 From banks in the U.S. 406.5 360.4 359.3 363.1 358.1 364.3 382.2 392.4 398.1 396.4 384.2 390.1 24 From others 662.0 656.8 670.0 692.2 689.3 673.6 704.8 707.0 692.4 707.8 721.9 708.8 25 Net due to related foreign offices 189.3 172.4 177.3 179.8 175.5 181.3 179.9 186.4 187.2 192.6 180.2 183.7 26 Other liabilities 319.4 241.1 252.7 264.2 286.9 309.5 322.8 333.9 331.1 330.3 338.8 336.2 27 TOTAL LIABILITIES 5,386.7 5,254.2 5,286.7 5,360.2 5,394.4 5,458.1 5,568.7 5,619.5 5,590.2 5,606.5 5,620.3 5,655.4 28 Residual (assets less liabilities) (8) 428.8 448.7 442.7 453.8 452.6 449.4 450.0 464.5 453.8 467.5 475.1 471.6 ------------------------------------------------- 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 October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,830.3 4,826.1 4,847.6 4,907.8 4,944.8 4,970.4 5,049.0 5,121.8 5,099.8 5,124.1 5,127.0 5,142.9 2 Securities in bank credit 1,210.8 1,259.2 1,275.0 1,305.1 1,326.2 1,346.2 1,380.7 1,396.7 1,390.9 1,381.7 1,393.4 1,408.5 3 Treasury and Agency securities (2) 729.9 784.8 800.4 820.3 834.5 838.9 862.9 876.4 878.9 867.0 870.6 880.6 4 Other securities 480.8 474.3 474.6 484.8 491.7 507.3 517.9 520.3 511.9 514.6 522.7 527.9 5 Loans and leases in bank credit (3) 3,619.6 3,566.9 3,572.6 3,602.7 3,618.7 3,624.2 3,668.2 3,725.1 3,709.0 3,742.4 3,733.7 3,734.4 6 Commercial and industrial 862.9 824.1 816.9 812.1 806.5 794.1 791.5 791.0 788.0 790.9 792.5 792.4 7 Real estate 1,711.5 1,764.5 1,773.0 1,802.5 1,823.9 1,852.8 1,885.3 1,920.6 1,922.5 1,926.9 1,915.5 1,929.9 8 Revolving home equity 145.3 166.0 171.5 180.1 186.6 193.0 198.0 202.1 201.1 202.0 203.4 204.0 9 Other 1,566.2 1,598.5 1,601.6 1,622.4 1,637.4 1,659.7 1,687.2 1,718.4 1,721.5 1,724.9 1,712.0 1,725.9 10 Consumer 551.6 560.0 564.2 569.0 566.3 561.0 573.6 587.5 581.4 591.6 591.7 589.5 10a Credit card and related plans 217.0 220.0 223.5 222.8 221.1 215.4 224.5 233.8 228.6 237.6 237.2 234.6 10d Other 334.6 339.9 340.6 346.2 345.2 345.6 349.1 353.7 352.8 354.1 354.5 354.8 11 Security (4) 98.2 81.4 81.4 83.6 84.7 85.4 84.4 87.1 81.7 93.8 94.2 79.3 12 Other loans and leases 395.4 337.0 337.1 335.5 337.3 331.0 333.5 338.9 335.2 339.2 339.7 343.4 13 Interbank loans 312.5 254.1 258.7 261.6 264.3 264.7 279.1 286.1 283.1 287.8 274.3 297.3 14 Cash assets (5) 282.0 247.4 254.6 255.6 256.2 256.3 257.6 264.5 256.7 256.7 254.3 270.3 15 Other assets (6) 446.6 439.1 451.9 457.0 450.2 457.2 470.2 474.2 479.8 468.3 465.9 488.0 16 TOTAL ASSETS (7) 5,803.6 5,691.7 5,738.0 5,806.8 5,840.3 5,873.8 5,980.8 6,071.3 6,044.1 6,061.2 6,046.3 6,123.8 L I A B I L I T I E S 17 Deposits 3,789.7 3,826.6 3,847.8 3,848.9 3,874.2 3,909.1 3,946.4 3,979.8 3,986.1 3,953.1 3,932.4 4,027.0 18 Transaction 671.1 606.1 600.4 591.0 585.1 595.9 574.6 570.7 548.2 564.3 587.6 578.9 19 Nontransaction 3,118.6 3,220.5 3,247.4 3,257.9 3,289.1 3,313.2 3,371.8 3,409.1 3,437.9 3,388.7 3,344.8 3,448.1 20 Large time 567.9 551.3 547.2 548.9 544.0 561.1 568.9 571.9 569.2 568.8 568.8 583.2 21 Other 2,550.7 2,669.2 2,700.2 2,709.0 2,745.1 2,752.1 2,802.9 2,837.2 2,868.7 2,819.9 2,776.1 2,864.8 22 Borrowings 1,064.1 1,015.3 1,035.4 1,061.8 1,046.4 1,027.8 1,066.7 1,096.8 1,076.1 1,108.9 1,110.8 1,099.6 23 From banks in the U.S. 398.1 364.6 364.2 364.3 355.6 360.3 377.0 385.5 389.2 390.6 377.2 384.3 24 From others 666.0 650.7 671.2 697.4 690.9 667.6 689.6 711.2 686.9 718.3 733.7 715.3 25 Net due to related foreign offices 188.8 171.0 170.6 179.4 174.3 176.1 179.0 185.9 186.2 191.3 182.1 182.1 26 Other liabilities 319.0 239.7 246.0 263.7 285.4 303.1 321.3 333.4 330.0 328.7 341.3 334.6 27 TOTAL LIABILITIES 5,361.7 5,252.6 5,299.8 5,353.7 5,380.3 5,416.1 5,513.3 5,595.9 5,578.4 5,581.9 5,566.6 5,643.3 28 Residual (assets less liabilities) (8) 441.9 439.1 438.2 453.1 460.0 457.7 467.5 475.4 465.7 479.3 479.7 480.6 ------------------------------------------------- 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 October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,699.7 2,559.6 2,561.7 2,577.5 2,596.9 2,630.6 2,678.5 2,715.9 2,696.0 2,714.2 2,730.6 2,721.3 2 Securities in bank credit 640.0 629.7 645.2 663.9 683.4 713.0 736.4 745.6 734.5 737.4 748.9 751.4 3 Treasury and Agency securities (2) 368.0 369.7 383.4 390.3 399.9 410.7 427.3 432.0 430.4 428.4 430.3 432.1 3a Trading account 37.9 32.7 38.1 43.0 42.4 43.1 48.0 42.9 43.5 44.7 37.7 36.8 3b Investment account 330.1 337.0 345.3 347.3 357.6 367.6 379.3 389.1 386.9 383.7 392.6 395.3 4 Other securities 272.0 260.0 261.8 273.6 283.5 302.3 309.1 313.6 304.1 309.0 318.6 319.2 4a Trading account 160.8 122.5 128.2 140.5 148.3 168.8 174.5 172.8 165.6 170.3 176.4 172.3 4b Investment account 111.2 137.5 133.6 133.1 135.2 133.5 134.6 140.8 138.5 138.7 142.3 147.0 4c State and local government 27.4 27.7 27.2 26.9 27.3 28.3 28.0 28.4 28.3 28.3 28.6 28.5 4d Other 83.8 109.9 106.4 106.2 107.8 105.3 106.5 112.4 110.3 110.3 113.7 118.4 5 Loans and leases in bank credit (3) 2,059.8 1,929.9 1,916.5 1,913.6 1,913.5 1,917.6 1,942.1 1,970.3 1,961.5 1,976.8 1,981.6 1,970.0 6 Commercial and industrial 564.9 521.9 510.8 503.7 499.6 488.3 487.5 484.0 484.1 482.8 485.1 481.3 7 Real estate 853.5 847.6 845.6 847.2 861.1 881.1 899.9 921.1 921.5 925.1 917.9 927.5 8 Revolving home equity 92.4 105.3 108.5 112.1 116.5 121.3 124.2 126.4 125.7 126.3 127.5 127.7 9 Other 761.1 742.3 737.1 735.1 744.6 759.8 775.7 794.7 795.8 798.8 790.5 799.8 10 Consumer 256.9 247.1 245.5 245.4 241.2 241.8 247.3 252.8 252.1 253.1 254.2 253.1 11 Security (4) 88.4 73.8 75.7 81.5 76.5 78.7 77.5 77.8 73.2 80.8 86.5 70.8 11a Fed funds and RPs with broker/dealer 61.8 61.2 63.3 69.2 64.5 66.2 66.1 67.8 63.2 71.2 76.0 61.0 11b Other 26.6 12.5 12.3 12.3 12.0 12.5 11.3 10.0 10.0 9.5 10.5 9.8 12a State and local government 14.9 13.3 13.1 13.0 13.0 12.8 12.9 13.0 12.9 12.9 13.0 13.3 12b Agricultural 9.9 9.4 9.2 9.2 9.1 9.0 8.2 8.2 8.2 8.2 8.2 7.9 12c Fed funds and RPs with others 32.2 21.2 22.2 18.9 17.3 13.5 16.4 19.5 18.9 20.1 20.9 19.0 12d All other loans 107.1 65.2 65.2 67.0 68.9 66.0 66.5 68.1 64.3 68.0 70.0 71.7 12e Lease financing receivables 131.9 130.4 129.2 127.7 126.8 126.3 126.1 125.8 126.1 125.8 125.8 125.3 13 Interbank loans 204.2 149.6 158.9 169.0 161.2 162.8 174.1 179.5 176.2 180.5 175.5 186.7 13a Fed funds and RPs with banks 129.4 78.3 85.7 84.7 75.0 75.1 84.4 86.7 85.9 90.6 77.5 90.6 13b Other 74.7 71.3 73.3 84.2 86.2 87.7 89.7 92.8 90.3 89.9 97.9 96.1 14 Cash assets (5) 176.6 142.3 139.3 140.8 142.6 142.0 146.4 143.8 134.2 140.1 142.9 152.3 15 Other assets (6) 318.3 293.3 302.6 308.2 303.0 309.3 317.7 312.2 316.8 309.7 313.3 307.2 16 TOTAL ASSETS (7) 3,360.4 3,100.7 3,118.5 3,151.4 3,159.8 3,200.8 3,273.5 3,308.6 3,280.2 3,301.8 3,319.3 3,325.1 ------------------------------------------------- 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) October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,869.9 1,810.3 1,814.7 1,810.0 1,812.7 1,842.0 1,867.7 1,878.3 1,867.6 1,862.3 1,872.9 1,906.5 18 Transaction 378.4 305.7 288.9 290.5 286.1 291.6 281.8 267.8 251.2 266.2 288.8 261.4 19 Nontransaction 1,491.5 1,504.6 1,525.7 1,519.5 1,526.6 1,550.4 1,585.9 1,610.5 1,616.4 1,596.1 1,584.2 1,645.1 20 Large time 266.2 250.5 247.0 248.5 243.6 260.8 267.6 271.1 266.4 268.3 270.7 282.5 21 Other 1,225.3 1,254.1 1,278.7 1,271.0 1,283.0 1,289.6 1,318.3 1,339.4 1,350.0 1,327.8 1,313.5 1,362.6 22 Borrowings 714.5 636.8 646.6 665.3 655.5 642.0 676.2 671.5 669.5 677.1 671.6 662.5 23 From banks in the U.S. 251.0 191.5 192.6 193.6 187.5 190.7 200.4 206.0 212.7 208.4 195.6 205.4 24 From others 463.5 445.4 453.9 471.7 468.0 451.4 475.8 465.5 456.8 468.7 476.0 457.1 25 Net due to related foreign offices 178.7 163.4 167.6 168.1 163.9 171.6 171.5 177.5 175.8 182.5 173.2 176.6 26 Other liabilities 257.4 169.8 180.9 188.9 210.2 232.9 243.3 252.8 249.9 248.4 258.1 254.4 27 TOTAL LIABILITIES 3,020.5 2,780.3 2,809.7 2,832.3 2,842.3 2,888.4 2,958.6 2,980.1 2,962.9 2,970.2 2,975.8 2,999.9 28 Residual (assets less liabilities) (8) 340.0 320.4 308.9 319.1 317.5 312.4 314.8 328.6 317.3 331.5 343.5 325.1 ------------------------------------------------- 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 October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,695.7 2,558.6 2,561.3 2,577.4 2,597.1 2,615.3 2,665.2 2,710.3 2,691.2 2,713.6 2,715.1 2,719.4 2 Securities in bank credit 637.7 633.2 643.3 661.9 679.8 701.0 730.0 742.9 732.9 733.9 742.2 751.0 3 Treasury and Agency securities (2) 365.9 373.7 383.9 388.8 397.7 404.5 423.3 429.6 429.6 425.3 424.7 430.1 3a Trading account 37.7 33.1 38.2 42.8 42.2 42.4 47.6 42.7 43.4 44.4 37.2 36.6 3b Investment account 328.3 340.6 345.8 346.0 355.5 362.1 375.8 386.9 386.2 380.9 387.5 393.5 3c Mortgage-backed 251.1 263.2 268.0 271.9 277.4 287.2 304.4 307.9 310.4 301.8 304.8 311.6 3d Other 77.2 77.5 77.7 74.0 78.1 74.9 71.4 79.0 75.8 79.1 82.7 81.9 3e 1 year or less 20.2 20.0 18.4 16.1 14.9 18.6 17.4 19.9 19.2 20.0 20.2 21.3 3f Between 1 and 5 years 34.7 45.3 46.4 45.1 49.9 43.6 42.2 46.3 44.2 45.9 48.1 48.8 3g More than 5 years 22.3 12.2 12.9 12.9 13.3 12.7 11.8 12.9 12.5 13.2 14.3 11.8 4 Other securities 271.8 259.4 259.4 273.1 282.1 296.5 306.7 313.3 303.3 308.6 317.5 320.9 4a Trading account 160.6 122.2 127.0 140.2 147.5 165.5 173.1 172.7 165.2 170.1 175.7 173.2 4b Investment account 111.1 137.2 132.4 132.9 134.5 131.0 133.6 140.7 138.2 138.5 141.7 147.7 4c State and local government 27.4 27.6 27.0 26.9 27.2 27.7 27.8 28.4 28.2 28.3 28.5 28.7 4d Other 83.7 109.6 105.4 106.0 107.3 103.3 105.7 112.3 110.0 110.2 113.3 119.0 5 Loans and leases in bank credit (3) 2,058.0 1,925.4 1,918.0 1,915.5 1,917.3 1,914.3 1,935.1 1,967.4 1,958.2 1,979.7 1,972.9 1,968.3 6 Commercial and industrial 564.5 522.3 514.2 507.2 500.8 488.0 485.1 483.7 481.9 483.7 484.4 483.5 7 Real estate 853.8 843.0 844.3 850.6 863.0 881.3 900.4 921.5 923.7 926.4 916.3 926.7 8 Revolving home equity 92.8 104.3 108.1 112.6 117.0 121.5 124.6 127.0 126.4 127.0 127.8 127.9 9a Other residential 450.8 429.6 426.5 427.0 436.1 449.7 465.4 483.5 487.4 488.9 476.2 486.1 9b Commercial 310.2 309.0 309.7 311.0 310.0 310.1 310.5 311.1 309.9 310.6 312.3 312.6 10 Consumer 254.4 247.2 245.9 246.0 241.0 240.0 245.1 250.3 249.5 250.7 251.7 250.2 10a Credit card and related plans 85.5 75.3 73.4 73.4 71.0 69.9 72.5 74.8 74.5 75.1 75.8 74.1 10f Other 168.9 171.9 172.6 172.6 170.0 170.1 172.6 175.4 175.0 175.7 175.9 176.1 11 Security (4) 89.8 73.5 74.0 76.4 77.2 77.7 76.4 78.9 73.6 85.7 86.3 71.0 11a Fed funds and RPs with broker/dealer 62.7 61.0 61.9 64.9 65.1 65.4 65.2 68.8 63.5 75.6 75.9 61.2 11b Other 27.1 12.5 12.1 11.5 12.1 12.3 11.2 10.1 10.1 10.1 10.5 9.8 12a State and local government 14.9 13.3 13.1 13.0 13.0 12.8 12.9 13.0 12.9 12.9 13.0 13.3 12b Agricultural 9.9 9.3 9.2 9.3 9.2 9.2 8.2 8.1 8.2 8.2 8.2 7.9 12c Fed funds and RPs with others 33.1 21.2 22.2 18.9 17.3 13.5 16.4 19.5 18.9 20.1 20.9 19.0 12d All other loans 107.7 64.4 65.3 66.4 69.4 66.3 66.0 68.4 65.3 68.4 68.4 72.7 12e Lease financing receivables 130.0 131.3 129.7 127.8 126.3 125.5 124.8 124.0 124.2 123.7 123.6 124.1 13 Interbank loans 198.7 149.8 162.8 170.2 166.2 161.8 169.5 174.5 171.3 177.4 166.2 183.3 13a Fed funds and RPs with banks 126.1 78.4 87.8 85.3 77.3 74.6 82.2 84.4 83.5 89.0 73.5 89.0 13b Other 72.6 71.4 75.0 84.8 88.9 87.2 87.3 90.2 87.8 88.4 92.8 94.4 14 Cash assets (5) 173.5 137.4 141.9 140.2 138.6 136.6 137.3 141.0 134.7 136.0 133.6 148.2 15 Other assets (6) 320.3 291.9 303.2 307.8 302.5 309.1 315.5 314.2 319.3 310.1 312.2 314.6 16 TOTAL ASSETS (7) 3,349.7 3,093.4 3,125.5 3,151.6 3,160.4 3,179.2 3,244.2 3,297.0 3,273.1 3,293.9 3,284.3 3,323.1 ------------------------------------------------- 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) October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,860.5 1,808.9 1,822.1 1,804.5 1,811.2 1,833.9 1,851.2 1,869.6 1,873.9 1,851.3 1,837.4 1,905.0 18 Transaction 373.0 302.7 296.2 287.6 284.6 286.6 270.3 263.3 252.1 261.1 272.9 260.7 19 Nontransaction 1,487.6 1,506.2 1,525.9 1,516.9 1,526.7 1,547.3 1,580.9 1,606.2 1,621.9 1,590.2 1,564.5 1,644.3 20 Large time 263.7 249.0 245.3 246.7 242.8 258.6 265.9 268.5 265.9 265.9 265.2 279.4 21 Other 1,223.8 1,257.2 1,280.6 1,270.2 1,283.8 1,288.7 1,315.0 1,337.7 1,356.0 1,324.3 1,299.3 1,364.9 22 Borrowings 710.1 634.9 652.7 671.7 654.5 631.9 655.9 668.9 655.1 681.7 676.2 663.2 23 From banks in the U.S. 242.6 195.7 197.6 194.8 184.9 186.6 195.2 199.2 203.8 202.5 188.5 199.6 24 From others 467.6 439.2 455.1 476.9 469.6 445.3 460.7 469.7 451.3 479.2 487.7 463.6 25 Net due to related foreign offices 178.2 162.0 160.8 167.8 162.6 166.4 170.5 177.0 174.8 181.2 175.0 175.0 26 Other liabilities 257.0 168.4 174.1 188.4 208.7 226.5 241.8 252.3 248.9 246.7 260.6 252.8 27 TOTAL LIABILITIES 3,005.8 2,774.1 2,809.8 2,832.4 2,837.1 2,858.7 2,919.4 2,967.8 2,952.7 2,960.9 2,949.3 2,996.0 28 Residual (assets less liabilities) (8) 343.9 319.3 315.7 319.2 323.3 320.5 324.8 329.3 320.4 333.0 335.0 327.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 9 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,132.9 2,272.3 2,289.0 2,332.5 2,350.4 2,360.4 2,386.8 2,409.4 2,408.9 2,407.0 2,406.8 2,421.6 2 Securities in bank credit 574.0 623.7 630.4 644.0 646.9 647.4 653.1 654.9 659.2 648.8 650.9 659.4 3 Treasury and Agency securities (2) 364.9 408.8 415.2 432.3 437.3 436.6 441.9 447.9 450.6 442.7 445.6 452.4 4 Other securities 209.1 214.9 215.2 211.7 209.6 210.8 211.2 207.0 208.6 206.1 205.3 207.0 5 Loans and leases in bank credit (3) 1,558.9 1,648.5 1,658.6 1,688.5 1,703.5 1,713.0 1,733.7 1,754.6 1,749.7 1,758.2 1,756.0 1,762.2 6 Commercial and industrial 300.0 302.1 300.7 302.5 303.5 305.5 307.9 309.0 308.9 308.6 309.2 310.1 7 Real estate 856.3 924.5 930.8 952.7 961.9 972.3 984.2 997.4 998.3 998.6 995.9 1,000.7 8 Revolving home equity 52.2 62.3 63.6 67.7 69.8 71.9 73.7 74.7 74.4 74.4 74.8 75.5 9 Other 804.1 862.2 867.1 885.0 892.1 900.4 910.5 922.7 923.9 924.2 921.1 925.2 10 Consumer 295.4 315.6 322.1 325.5 329.2 325.0 329.8 335.1 331.0 337.7 336.7 337.6 11 Security (4) 8.5 7.6 7.2 7.3 7.6 7.9 8.1 8.3 7.9 8.4 8.7 8.4 12 Other loans and leases 98.7 98.6 97.8 100.5 101.3 102.4 103.7 104.7 103.7 104.8 105.5 105.3 13 Interbank loans 116.3 99.5 89.9 96.0 101.0 107.8 111.4 114.3 106.8 115.2 122.1 115.7 14 Cash assets (5) 108.8 113.8 114.2 116.1 119.3 121.6 124.1 123.8 119.4 124.3 125.8 123.5 15 Other assets (6) 126.3 147.2 148.7 149.2 147.7 148.1 154.7 160.1 160.5 158.2 153.7 173.4 16 TOTAL ASSETS (7) 2,455.0 2,602.2 2,610.9 2,662.6 2,687.2 2,706.7 2,745.2 2,775.4 2,763.7 2,772.2 2,776.1 2,801.9 L I A B I L I T I E S 17 Deposits 1,939.6 2,013.1 2,012.7 2,051.0 2,071.8 2,087.4 2,111.3 2,121.6 2,113.7 2,117.1 2,122.1 2,130.1 18 Transaction 300.0 305.1 302.5 308.1 301.7 311.7 307.9 309.3 292.9 308.3 325.4 318.8 19 Nontransaction 1,639.6 1,708.0 1,710.3 1,742.9 1,770.1 1,775.6 1,803.4 1,812.3 1,820.8 1,808.8 1,796.7 1,811.3 20 Large time 304.2 302.3 301.8 302.2 301.1 302.4 303.0 303.4 303.3 302.9 303.5 303.8 21 Other 1,335.4 1,405.7 1,408.4 1,440.7 1,469.0 1,473.2 1,500.4 1,508.9 1,517.5 1,505.9 1,493.1 1,507.5 22 Borrowings 354.0 380.4 382.7 390.0 391.9 395.9 410.8 427.9 421.0 427.2 434.6 436.5 23 From banks in the U.S. 155.5 169.0 166.6 169.5 170.6 173.6 181.9 186.4 185.4 188.1 188.7 184.8 24 From others 198.5 211.5 216.1 220.5 221.3 222.3 228.9 241.5 235.6 239.1 245.9 251.7 25 Net due to related foreign offices 10.7 9.0 9.7 11.6 11.7 9.8 8.5 8.9 11.4 10.1 7.1 7.1 26 Other liabilities 62.0 71.3 71.9 75.3 76.7 76.6 79.5 81.1 81.2 81.9 80.7 81.8 27 TOTAL LIABILITIES 2,366.3 2,473.9 2,477.1 2,527.9 2,552.1 2,569.6 2,610.0 2,639.5 2,627.3 2,636.3 2,644.5 2,655.4 28 Residual (assets less liabilities) (8) 88.8 128.3 133.9 134.7 135.1 137.1 135.2 135.9 136.5 135.9 131.6 146.4 ------------------------------------------------- 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 October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,134.6 2,267.5 2,286.2 2,330.4 2,347.8 2,355.1 2,383.8 2,411.5 2,408.7 2,410.4 2,411.9 2,423.5 2 Securities in bank credit 573.1 626.0 631.7 643.2 646.4 645.2 650.7 653.8 657.9 647.8 651.2 657.5 3 Treasury and Agency securities (2) 364.0 411.1 416.4 431.5 436.8 434.4 439.5 446.8 449.3 441.7 445.9 450.5 4 Other securities 209.1 214.9 215.2 211.7 209.6 210.8 211.2 207.0 208.6 206.1 205.3 207.0 5 Loans and leases in bank credit (3) 1,561.6 1,641.5 1,654.5 1,687.2 1,701.4 1,709.9 1,733.1 1,757.7 1,750.7 1,762.6 1,760.7 1,766.1 6 Commercial and industrial 298.3 301.8 302.7 304.9 305.7 306.0 306.4 307.3 306.1 307.2 308.1 309.0 7 Real estate 857.7 921.6 928.7 951.9 961.0 971.4 984.9 999.1 998.8 1,000.5 999.2 1,003.2 8 Revolving home equity 52.5 61.7 63.3 67.5 69.6 71.5 73.5 75.2 74.7 75.1 75.6 76.1 9 Other 805.2 859.9 865.3 884.3 891.4 899.9 911.4 923.9 924.1 925.4 923.5 927.1 10 Consumer 297.2 312.7 318.3 323.1 325.2 321.0 328.5 337.2 331.9 340.9 340.0 339.3 10a Credit card and related plans 131.5 144.7 150.2 149.5 150.0 145.5 152.0 159.0 154.1 162.5 161.4 160.6 10h Other 165.7 168.0 168.1 173.6 175.2 175.4 176.5 178.2 177.8 178.4 178.6 178.7 11 Security (4) 8.4 7.9 7.4 7.2 7.5 7.7 8.1 8.1 8.2 8.1 7.9 8.3 12 Other loans and leases 99.9 97.5 97.5 100.2 102.0 103.7 105.3 105.9 105.7 106.0 105.5 106.4 13 Interbank loans 113.8 104.2 95.9 91.4 98.1 102.9 109.5 111.5 111.9 110.4 108.1 114.0 14 Cash assets (5) 108.4 110.0 112.6 115.4 117.7 119.7 120.3 123.4 122.0 120.6 120.7 122.1 15 Other assets (6) 126.3 147.2 148.7 149.2 147.7 148.1 154.7 160.1 160.5 158.2 153.7 173.4 16 TOTAL ASSETS (7) 2,454.0 2,598.3 2,612.5 2,655.2 2,679.9 2,694.6 2,736.6 2,774.3 2,771.0 2,767.3 2,762.0 2,800.7 L I A B I L I T I E S 17 Deposits 1,929.2 2,017.7 2,025.6 2,044.3 2,062.9 2,075.2 2,095.1 2,110.3 2,112.1 2,101.8 2,095.0 2,122.0 18 Transaction 298.2 303.4 304.1 303.3 300.5 309.3 304.2 307.4 296.1 303.2 314.6 318.2 19 Nontransaction 1,631.0 1,714.3 1,721.5 1,741.0 1,762.4 1,765.9 1,790.9 1,802.9 1,816.0 1,798.5 1,780.3 1,803.7 20 Large time 304.2 302.3 301.8 302.2 301.1 302.4 303.0 303.4 303.3 302.9 303.5 303.8 21 Other 1,326.8 1,412.0 1,419.7 1,438.8 1,461.3 1,463.4 1,487.9 1,499.5 1,512.7 1,495.6 1,476.8 1,500.0 22 Borrowings 354.0 380.4 382.7 390.0 391.9 395.9 410.8 427.9 421.0 427.2 434.6 436.5 23 From banks in the U.S. 155.5 169.0 166.6 169.5 170.6 173.6 181.9 186.4 185.4 188.1 188.7 184.8 24 From others 198.5 211.5 216.1 220.5 221.3 222.3 228.9 241.5 235.6 239.1 245.9 251.7 25 Net due to related foreign offices 10.7 9.0 9.7 11.6 11.7 9.8 8.5 8.9 11.4 10.1 7.1 7.1 26 Other liabilities 62.0 71.3 71.9 75.3 76.7 76.6 79.5 81.1 81.2 81.9 80.7 81.8 27 TOTAL LIABILITIES 2,355.9 2,478.5 2,490.0 2,521.3 2,543.2 2,557.4 2,593.9 2,628.1 2,625.7 2,621.0 2,617.3 2,647.3 28 Residual (assets less liabilities) (8) 98.1 119.8 122.5 133.9 136.7 137.2 142.7 146.1 145.3 146.3 144.7 153.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 11 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 592.1 597.8 598.1 597.2 605.7 609.1 617.8 616.4 615.3 622.9 614.1 607.1 2 Securities in bank credit 223.1 228.1 225.4 228.4 234.9 236.2 246.1 244.0 242.2 242.7 243.0 245.7 3 Treasury and Agency securities (2) 70.4 68.6 69.5 70.9 73.4 73.5 80.0 85.2 83.8 85.1 86.5 86.6 4 Other securities 152.7 159.6 155.9 157.5 161.5 162.6 166.1 158.8 158.4 157.7 156.5 159.0 5 Loans and leases in bank credit (3) 368.9 369.7 372.7 368.8 370.8 372.9 371.7 372.5 373.1 380.2 371.0 361.5 6 Commercial and industrial 201.2 201.6 198.0 198.7 194.8 191.6 190.3 185.8 187.7 187.0 185.4 179.5 7 Real estate 18.7 19.3 19.4 19.4 19.6 19.8 19.8 19.9 19.8 20.0 20.0 20.0 11 Security (4) 80.0 78.8 84.1 79.9 84.9 88.8 89.3 93.8 92.9 100.2 91.6 89.5 12 Other loans and leases 69.1 70.0 71.2 70.8 71.5 72.7 72.4 73.0 72.7 73.0 74.0 72.5 13 Interbank loans 25.7 20.6 21.9 23.4 20.2 17.3 18.1 21.1 22.8 20.6 20.6 19.9 14 Cash assets (5) 43.6 44.1 46.5 45.1 45.3 44.9 44.7 43.5 42.4 44.2 43.5 42.6 15 Other assets (6) 33.6 30.1 30.9 30.6 32.8 33.7 33.8 32.4 32.3 32.0 31.9 32.9 16 TOTAL ASSETS (7) 694.6 692.2 697.0 695.9 703.6 704.6 714.0 713.1 712.4 719.3 709.6 702.1 L I A B I L I T I E S 17 Deposits 410.8 488.0 506.9 507.6 508.3 503.7 497.1 485.4 494.3 490.4 478.7 466.5 18 Transaction 12.5 10.1 10.6 10.9 10.9 10.6 10.9 11.0 10.8 10.3 11.0 11.5 19 Nontransaction 398.3 477.9 496.3 496.7 497.3 493.1 486.2 474.5 483.4 480.2 467.7 455.1 22 Borrowings 217.6 188.7 190.6 190.1 193.8 203.1 214.7 223.5 219.0 222.2 225.1 226.7 23 From banks in the U.S. 29.9 21.0 22.3 21.1 21.4 21.2 22.4 23.8 22.8 19.9 24.4 27.2 24 From others 187.7 167.8 168.3 169.1 172.4 181.9 192.3 199.8 196.1 202.3 200.8 199.5 25 Net due to related foreign offices -16.4 -63.0 -73.6 -87.6 -84.7 -90.5 -88.9 -84.0 -84.5 -75.6 -87.4 -84.1 26 Other liabilities 84.4 68.6 68.0 72.6 81.7 87.5 93.5 89.9 86.9 88.4 90.3 93.5 27 TOTAL LIABILITIES 696.4 682.3 691.8 682.7 699.1 703.7 716.4 714.9 715.7 725.4 706.8 702.7 28 Residual (assets less liabilities) (8) -1.9 9.9 5.2 13.2 4.5 0.8 -2.5 -1.7 -3.3 -6.1 2.9 -0.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 12 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 589.1 597.7 598.1 593.2 602.6 603.0 611.7 613.1 609.4 622.0 613.0 605.5 2 Securities in bank credit (2) 223.1 228.1 225.4 228.4 234.9 236.2 246.1 244.0 242.2 242.7 243.0 245.7 3 Treasury and Agency securities 70.4 68.6 69.5 70.9 73.4 73.5 80.0 85.2 83.8 85.1 86.5 86.6 3a Trading account 12.7 9.1 9.3 10.0 10.4 10.5 12.8 14.3 14.4 14.2 14.3 14.5 3b Investment account 57.7 59.5 60.2 60.9 63.0 63.0 67.2 70.9 69.4 70.9 72.2 72.1 4 Other securities 152.7 159.6 155.9 157.5 161.5 162.6 166.1 158.8 158.4 157.7 156.5 159.0 4a Trading account 105.1 98.7 96.3 98.5 102.7 106.8 108.6 102.9 102.1 101.6 102.0 103.7 4b Investment account 47.6 60.8 59.6 59.0 58.7 55.8 57.5 55.9 56.3 56.0 54.6 55.3 5 Loans and leases in bank credit (3) 366.0 369.6 372.7 364.8 367.7 366.9 365.6 369.1 367.2 379.2 370.0 359.8 6 Commercial and industrial 201.1 203.0 196.8 196.4 193.6 190.3 188.7 185.7 186.5 187.1 186.1 181.0 7 Real estate 18.7 19.3 19.4 19.4 19.6 19.8 19.8 19.9 19.8 20.0 20.0 20.0 11 Security (4) 77.5 76.5 84.7 78.7 83.3 85.5 86.0 91.0 88.7 99.7 90.5 86.3 12 Other loans and leases 68.7 70.8 71.9 70.4 71.2 71.4 71.1 72.5 72.2 72.4 73.4 72.6 13 Interbank loans 25.7 20.6 21.9 23.4 20.2 17.3 18.1 21.1 22.8 20.6 20.6 19.9 14 Cash assets (5) 43.6 42.9 44.6 43.6 43.3 43.1 43.3 43.5 42.0 43.9 44.4 43.5 15 Other assets (6) 34.2 31.0 30.7 30.7 31.4 32.4 33.3 33.1 33.2 32.6 32.4 33.2 16 TOTAL ASSETS (7) 692.2 691.9 694.9 690.5 697.2 695.4 706.0 710.5 707.0 718.7 710.0 701.7 L I A B I L I T I E S 17 Deposits 400.9 490.2 510.7 512.7 506.4 494.6 482.6 473.5 478.8 476.1 471.5 459.5 18 Transaction 12.7 9.9 10.1 10.5 10.6 10.6 10.6 11.1 10.8 10.3 11.6 11.9 19 Nontransaction 388.2 480.2 500.6 502.2 495.8 484.1 472.0 462.3 468.0 465.8 459.9 447.6 22 Borrowings 217.6 188.7 190.6 190.1 193.8 203.1 214.7 223.5 219.0 222.2 225.1 226.7 23 From banks in the U.S. 29.9 21.0 22.3 21.1 21.4 21.2 22.4 23.8 22.8 19.9 24.4 27.2 24 From others 187.7 167.8 168.3 169.1 172.4 181.9 192.3 199.8 196.1 202.3 200.8 199.5 25 Net due to related foreign offices -15.2 -59.9 -75.5 -87.7 -87.3 -94.4 -90.8 -83.0 -84.6 -75.1 -83.4 -83.4 26 Other liabilities 85.0 69.8 67.3 72.5 80.4 85.3 92.4 90.5 86.9 88.7 92.7 93.9 27 TOTAL LIABILITIES 688.2 688.8 693.1 687.7 693.3 688.6 698.9 704.5 700.0 711.9 705.9 696.7 28 Residual (assets less liabilities) (8) 4.0 3.1 1.8 2.8 3.9 6.8 7.1 6.0 7.0 6.8 4.1 5.0 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars October 11, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 11 Sep 18 Sep 25 Oct 2 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 100.4 73.2 73.3 80.8 92.9 105.8 112.3 119.4 107.7 118.7 123.6 126.2 30 Reval. losses on off-bal. sheet items (9) 84.9 52.5 57.5 61.7 75.2 89.2 93.7 100.3 89.7 99.8 104.6 105.5 31 Mortgage-backed securities (10) 273.7 299.2 302.0 306.1 312.5 319.9 338.0 343.4 343.8 335.1 342.1 351.9 31a Pass-through 210.4 201.3 203.2 210.4 224.6 236.3 253.4 255.0 256.6 249.4 253.3 258.2 31b CMO, REMIC, and other 63.4 98.0 98.8 95.7 88.0 83.6 84.6 88.4 87.3 85.7 88.8 93.8 32 Net unrealized gains (losses) on available-for-sale securities (11) 7.1 3.2 1.4 4.3 6.6 8.6 9.7 12.4 11.5 12.4 12.3 13.8 33 Offshore credit to U.S. residents (12) 20.3 19.8 19.7 19.6 19.6 19.1 19.0 19.0 19.0 19.2 19.0 19.0 34 Securitized consumer loans (13) 98.9 95.9 96.2 96.4 100.3 104.1 102.3 101.5 101.4 101.3 101.2 102.4 34a Credit card and related plans 88.3 83.6 84.3 84.9 88.1 89.0 87.2 86.8 86.5 86.5 86.8 88.1 34b Other 10.5 12.3 11.9 11.5 12.2 15.1 15.1 14.7 14.9 14.8 14.4 14.3 35 Securitized business loans (13) 20.0 17.7 17.1 16.7 16.6 17.0 17.7 17.6 17.7 17.8 17.2 17.4 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 247.4 283.9 288.1 302.6 305.5 305.0 307.0 312.7 313.9 310.5 312.3 314.2 34 Securitized consumer loans (13) 236.9 247.1 246.1 246.8 246.7 242.1 240.4 238.0 239.8 235.9 237.9 237.3 34a Credit card and related plans 228.6 239.4 238.2 239.2 239.7 238.5 237.3 235.0 236.8 232.9 234.9 234.3 34b Other 8.3 7.7 7.9 7.6 7.0 3.6 3.1 3.0 3.0 3.0 3.0 3.0 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 60.7 47.0 46.3 49.8 54.8 60.7 64.7 62.1 60.9 61.0 62.1 63.0 30 Reval. losses on off-bal. sheet items (9) 56.1 40.6 39.9 42.8 49.3 57.6 65.1 61.8 60.7 60.8 61.5 62.8 35 Securitized business loans (13) 13.2 12.4 11.3 10.5 9.9 9.4 9.1 8.1 8.0 8.2 7.9 7.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 October 11, 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 entities other than nonfinancial businesses. 13. Total amount outstanding.