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: October 25, 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                                                                                                                          October 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,425.4   5,430.8   5,449.3   5,507.6   5,553.5   5,600.5   5,683.6   5,740.9       5,751.9   5,741.5   5,771.5   5,740.8

  2     Securities in bank credit                        1,437.7   1,482.3   1,501.7   1,536.9   1,565.8   1,597.1   1,636.1   1,646.6       1,647.0   1,656.4   1,653.0   1,609.0
  3        Treasury and Agency securities (2)              803.3     847.1     868.1     893.6     910.6     920.7     949.1     966.1         964.3     972.6     969.7     948.9
  4        Other securities                                634.4     635.1     633.6     643.4     655.2     676.4     687.0     680.5         682.7     683.8     683.3     660.0

  5     Loans and leases in bank credit (3)              3,987.7   3,948.5   3,947.7   3,970.7   3,987.7   4,003.4   4,047.5   4,094.3       4,104.9   4,085.1   4,118.5   4,131.8
  6        Commercial and industrial                     1,066.0   1,025.4   1,009.3   1,004.7     997.7     985.2     985.5     978.8         979.8     970.6     971.2     975.2
  7        Real estate                                   1,730.0   1,793.0   1,797.4   1,820.9   1,844.4   1,875.6   1,906.7   1,941.2       1,937.4   1,947.9   1,969.4   1,968.7
  8          Revolving home equity                         144.6     167.6     172.1     179.7     186.4     193.2     197.9     200.7         202.3     200.7     202.1     202.8
  9          Other                                       1,585.4   1,625.4   1,625.3   1,641.2   1,658.1   1,682.4   1,708.8   1,740.5       1,735.1   1,747.2   1,767.3   1,765.9
  10       Consumer                                        552.3     562.7     567.6     570.8     570.4     566.8     577.0     585.1         586.4     586.3     585.1     588.9
  11       Security (4)                                    176.8     160.1     166.8     168.6     168.8     175.2     174.6     179.6         186.5     168.2     184.8     185.0
  12       Other loans and leases                          462.6     407.3     406.6     405.8     406.4     400.6     403.8     409.6         414.7     412.2     408.1     414.0

  13  Interbank loans                                      346.2     269.8     270.7     288.4     282.4     287.8     303.5     314.9         318.2     322.0     310.4     327.3

  14  Cash assets (5)                                      329.1     300.4     300.3     302.2     307.4     308.7     315.4     312.6         312.5     325.7     292.1     308.3

  15  Other assets (6)                                     478.1     470.6     482.1     488.0     483.5     490.6     505.4     501.9         497.7     500.3     515.6     520.3

  16  TOTAL ASSETS (7)                                   6,510.8   6,395.8   6,427.0   6,510.6   6,551.1   6,612.1   6,732.6   6,794.8       6,804.7   6,814.4   6,814.1   6,820.7

            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   4,475.7   4,485.7       4,472.7   4,508.0   4,472.1   4,518.9
  18    Transaction                                        690.9     620.9     602.0     609.5     598.7     613.9     600.3     585.0         624.5     575.8     560.3     597.0
  19    Nontransaction                                   3,529.4   3,690.5   3,732.3   3,759.1   3,794.1   3,819.1   3,875.4   3,900.7       3,848.1   3,932.2   3,911.8   3,922.0
  20       Large time                                      966.3   1,026.1   1,042.9   1,046.2   1,039.3   1,048.8   1,048.4   1,042.7       1,037.6   1,040.3   1,037.2   1,031.7
  21       Other                                         2,563.1   2,664.3   2,689.3   2,712.9   2,754.8   2,770.3   2,827.1   2,858.0       2,810.5   2,891.9   2,874.6   2,890.3

  22  Borrowings                                         1,286.0   1,206.0   1,219.9   1,245.4   1,241.2   1,241.1   1,301.7   1,322.9       1,331.2   1,325.9   1,313.4   1,314.9
  23    From banks in the U.S.                             436.3     381.2     381.4     384.0     379.3     385.5     404.4     415.8         408.4     416.2     409.5     420.0
  24    From others                                        849.7     824.8     838.5     861.4     861.9     855.6     897.3     907.1         922.8     909.7     903.8     894.9

  25  Net due to related foreign offices                   173.0     109.4     103.7      92.2      90.9      90.8      91.1      99.6          92.8      84.4     115.4     112.4

  26  Other liabilities                                    403.9     309.7     320.7     336.7     368.6     396.9     416.2     424.9         429.2     436.1     442.8     410.7

  27  TOTAL LIABILITIES                                  6,083.1   5,936.5   5,978.5   6,042.9   6,093.5   6,161.8   6,284.7   6,333.1       6,325.8   6,354.5   6,343.7   6,356.9

  28  Residual (assets less liabilities) (8)               427.7     459.3     448.6     467.6     457.6     450.3     447.8     461.7         478.9     460.0     470.4     463.8



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 2
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                      October 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,420.1   5,424.9   5,446.1   5,501.5   5,548.0   5,573.9   5,661.1   5,734.1       5,740.5   5,739.8   5,765.0   5,747.7

  2     Securities in bank credit                        1,434.5   1,488.0   1,501.1   1,534.2   1,561.7   1,582.9   1,627.4   1,642.9       1,640.6   1,654.1   1,651.4   1,606.3
  3        Treasury and Agency securities (2)              800.4     853.4     869.8     891.2     907.9     912.4     942.8     962.6         959.0     968.7     965.3     944.0
  4        Other securities                                634.2     634.6     631.2     642.9     653.8     670.5     684.6     680.2         681.6     685.5     686.2     662.2

  5     Loans and leases in bank credit (3)              3,985.6   3,936.9   3,945.1   3,967.3   3,986.3   3,990.9   4,033.7   4,091.2       4,099.9   4,085.7   4,113.5   4,141.4
  6        Commercial and industrial                     1,063.8   1,026.9   1,013.4   1,008.2     999.9     984.1     980.0     976.7         978.7     973.0     971.5     976.8
  7        Real estate                                   1,731.7   1,785.4   1,794.1   1,823.5   1,845.4   1,875.0   1,907.8   1,943.3       1,939.0   1,949.5   1,971.6   1,971.7
  8          Revolving home equity                         145.3     166.0     171.5     180.1     186.5     193.0     198.0     201.7         203.5     201.5     202.5     203.5
  9          Other                                       1,586.4   1,619.4   1,622.6   1,643.4   1,658.8   1,682.0   1,709.8   1,741.6       1,735.6   1,748.0   1,769.1   1,768.2
  10       Consumer                                        551.6     560.0     564.2     569.0     566.2     560.9     573.5     584.7         587.2     585.0     583.2     589.3
  10a        Credit card and related plans                 217.0     220.0     223.5     222.8     221.0     215.4     224.5     231.4         233.2     230.8     228.2     233.7
  10b        Other                                         334.6     339.9     340.6     346.2     345.2     345.5     349.0     353.3         354.0     354.2     355.0     355.7
  11       Security (4)                                    175.6     157.7     165.9     162.1     167.8     170.6     170.2     177.8         184.5     165.1     181.1     189.3
  12       Other loans and leases                          462.9     407.0     407.5     404.4     407.0     400.3     402.3     408.8         410.5     413.1     406.1     414.3

  13  Interbank loans                                      338.3     274.7     280.6     285.0     284.5     282.0     297.1     307.2         294.9     316.9     304.7     324.1

  14  Cash assets (5)                                      325.7     290.6     299.3     299.5     299.7     299.6     301.1     309.4         298.9     321.0     293.2     330.1

  15  Other assets (6)                                     480.7     470.1     482.6     487.7     481.6     489.2     502.7     504.5         497.2     508.1     516.3     519.3

  16  TOTAL ASSETS (7)                                   6,496.6   6,384.4   6,433.5   6,497.9   6,538.0   6,569.3   6,686.7   6,779.5       6,756.0   6,810.9   6,803.9   6,845.6

            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   4,428.7   4,453.6       4,402.8   4,491.4   4,467.7   4,520.0
  18    Transaction                                        683.8     616.0     610.4     601.5     595.7     606.4     584.9     578.8         598.5     575.0     555.9     607.1
  19    Nontransaction                                   3,506.8   3,700.8   3,748.0   3,760.1   3,784.9   3,797.2   3,843.8   3,874.8       3,804.4   3,916.4   3,911.9   3,912.9
  20       Large time                                      953.8   1,027.0   1,045.5   1,049.8   1,037.0   1,037.7   1,032.7   1,028.2       1,024.5   1,029.9   1,028.7   1,021.5
  21       Other                                         2,553.0   2,673.8   2,702.5   2,710.3   2,747.9   2,759.5   2,811.1   2,846.6       2,779.9   2,886.5   2,883.2   2,891.4

  22  Borrowings                                         1,281.7   1,204.0   1,226.0   1,251.9   1,240.2   1,231.0   1,281.4   1,320.3       1,335.9   1,326.6   1,311.2   1,319.7
  23    From banks in the U.S.                             427.9     385.4     386.4     385.2     376.8     381.4     399.2     409.0         401.3     410.4     407.1     420.1
  24    From others                                        853.8     818.6     839.7     866.6     863.4     849.5     882.1     911.3         934.6     916.2     904.1     899.6

  25  Net due to related foreign offices                   173.6     111.1      95.1      91.7      87.0      81.7      88.2     100.1          98.7      83.5     109.5     109.5

  26  Other liabilities                                    404.0     309.5     313.3     336.2     365.8     388.4     413.6     425.0         434.0     434.9     436.4     408.2

  27  TOTAL LIABILITIES                                  6,049.9   5,941.4   5,992.9   6,041.4   6,073.5   6,104.7   6,211.8   6,299.1       6,271.4   6,336.3   6,324.8   6,357.3

  28  Residual (assets less liabilities) (8)               446.7     443.0     440.6     456.6     464.4     464.5     474.9     480.4         484.6     474.6     479.1     488.2





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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                          October 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,833.5   4,833.2   4,851.4   4,910.6   4,948.1   4,991.7   5,066.0   5,125.0       5,138.1   5,136.1   5,156.8   5,139.4

  2     Securities in bank credit                        1,214.6   1,254.1   1,276.3   1,308.5   1,330.9   1,360.9   1,390.0   1,402.8       1,404.0   1,411.5   1,408.9   1,374.2
  3        Treasury and Agency securities (2)              732.9     778.5     798.6     822.7     837.2     847.2     869.1     881.0         877.8     886.2     882.8     864.7
  4        Other securities                                481.7     475.6     477.7     485.9     493.7     513.7     520.9     521.8         526.2     525.3     526.1     509.5

  5     Loans and leases in bank credit (3)              3,618.9   3,579.0   3,575.2   3,602.1   3,617.1   3,630.7   3,676.0   3,722.2       3,734.1   3,724.6   3,747.8   3,765.3
  6        Commercial and industrial                       864.8     823.8     811.3     806.0     802.9     793.6     795.2     793.1         794.4     791.4     790.1     793.8
  7        Real estate                                   1,711.4   1,773.7   1,778.0   1,801.6   1,824.8   1,855.9   1,886.9   1,921.3       1,917.4   1,928.0   1,949.4   1,948.5
  8          Revolving home equity                         144.6     167.6     172.1     179.7     186.4     193.2     197.9     200.7         202.3     200.7     202.1     202.8
  9          Other                                       1,566.8   1,606.2   1,605.9   1,621.8   1,638.5   1,662.7   1,689.0   1,720.5       1,715.1   1,727.2   1,747.2   1,745.6
  10       Consumer                                        552.3     562.7     567.6     570.8     570.4     566.8     577.0     585.1         586.4     586.3     585.1     588.9
  11       Security (4)                                     96.9      81.4      82.9      88.8      84.1      86.6      85.6      86.0          95.1      79.1      89.1      93.3
  12       Other loans and leases                          393.5     337.3     335.4     334.9     334.9     327.9     331.3     336.6         340.7     339.8     334.2     340.8

  13  Interbank loans                                      320.5     249.1     248.8     265.0     262.2     270.5     285.4     293.8         297.7     302.1     288.7     304.3

  14  Cash assets (5)                                      285.4     256.1     253.6     256.9     261.9     263.6     270.5     268.9         268.7     283.0     248.4     265.7

  15  Other assets (6)                                     444.6     440.5     451.3     457.4     450.7     456.9     471.6     469.5         465.8     467.5     481.8     484.8

  16  TOTAL ASSETS (7)                                   5,816.2   5,703.5   5,730.0   5,814.6   5,847.5   5,907.5   6,018.6   6,082.0       6,095.1   6,114.0   6,100.6   6,118.5

            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   3,978.7   4,000.2       3,994.0   4,041.0   3,998.4   4,042.2
  18    Transaction                                        678.4     610.8     591.4     598.6     587.8     603.3     589.4     574.0         613.5     564.3     549.0     584.5
  19    Nontransaction                                   3,131.1   3,212.6   3,236.0   3,262.4   3,296.8   3,326.0   3,389.3   3,426.1       3,380.5   3,476.6   3,449.3   3,457.7
  20       Large time                                      570.4     552.8     548.9     550.7     544.7     563.2     570.5     574.7         574.2     587.4     579.9     573.0
  21       Other                                         2,560.7   2,659.8   2,687.1   2,711.7   2,752.0   2,762.8   2,818.7   2,851.5       2,806.3   2,889.2   2,869.5   2,884.8

  22  Borrowings                                         1,068.5   1,017.2   1,029.3   1,055.3   1,047.4   1,038.0   1,087.0   1,099.3       1,106.1   1,098.9   1,087.2   1,092.7
  23    From banks in the U.S.                             406.4     360.2     359.1     362.9     357.9     364.3     382.0     392.0         384.0     388.9     386.7     393.6
  24    From others                                        662.1     657.0     670.2     692.4     689.5     673.7     705.0     707.3         722.0     709.9     700.4     699.1

  25  Net due to related foreign offices                   189.3     172.4     177.3     179.8     175.5     181.3     179.9     184.1         180.2     171.1     196.9     194.2

  26  Other liabilities                                    319.4     241.1     252.7     264.2     286.9     309.5     322.7     335.0         338.8     342.6     345.3     317.0

  27  TOTAL LIABILITIES                                  5,386.7   5,254.2   5,286.7   5,360.2   5,394.4   5,458.0   5,568.3   5,618.6       5,619.1   5,653.5   5,627.7   5,646.1

  28  Residual (assets less liabilities) (8)               429.5     449.4     443.3     454.4     453.1     449.5     450.3     463.4         476.0     460.5     472.9     472.4



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

  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                                                                                                                      October 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,831.2   4,827.3   4,848.2   4,908.4   4,945.6   4,971.0   5,049.7   5,121.4       5,127.7   5,136.0   5,155.3   5,146.1

  2     Securities in bank credit                        1,211.4   1,259.8   1,275.7   1,305.8   1,326.8   1,346.8   1,381.3   1,399.0       1,397.5   1,409.2   1,407.4   1,371.4
  3        Treasury and Agency securities (2)              729.9     784.8     800.4     820.3     834.5     838.9     862.8     877.5         872.5     882.2     878.4     859.8
  4        Other securities                                481.4     475.0     475.3     485.4     492.3     507.9     518.5     521.6         525.0     527.0     529.0     511.7

  5     Loans and leases in bank credit (3)              3,619.8   3,567.5   3,572.5   3,602.7   3,618.8   3,624.3   3,668.4   3,722.4       3,730.1   3,726.8   3,747.9   3,774.6
  6        Commercial and industrial                       862.7     823.9     816.6     811.8     806.2     793.9     791.3     791.0         792.6     792.4     790.4     795.1
  7        Real estate                                   1,713.0   1,766.2   1,774.7   1,804.2   1,825.8   1,855.2   1,888.0   1,923.4       1,919.0   1,929.6   1,951.5   1,951.5
  8          Revolving home equity                         145.3     166.0     171.5     180.1     186.5     193.0     198.0     201.7         203.5     201.5     202.5     203.5
  9          Other                                       1,567.7   1,600.1   1,603.2   1,624.1   1,639.2   1,662.2   1,690.0   1,721.7       1,715.6   1,728.1   1,749.0   1,748.0
  10       Consumer                                        551.6     560.0     564.2     569.0     566.2     560.9     573.5     584.7         587.2     585.0     583.2     589.3
  10a        Credit card and related plans                 217.0     220.0     223.5     222.8     221.0     215.4     224.5     231.4         233.2     230.8     228.2     233.7
  10d        Other                                         334.6     339.9     340.6     346.2     345.2     345.5     349.0     353.3         354.0     354.2     355.0     355.7
  11       Security (4)                                     98.2      81.4      81.4      83.6      84.7      85.3      84.4      87.0          94.2      79.2      89.0      96.9
  12       Other loans and leases                          394.2     336.2     335.7     334.1     335.8     328.9     331.2     336.3         337.1     340.7     333.7     341.8

  13  Interbank loans                                      312.5     254.1     258.7     261.6     264.3     264.7     279.1     286.1         274.3     297.0     283.1     301.1

  14  Cash assets (5)                                      282.0     247.4     254.6     255.6     256.2     256.3     257.6     265.7         254.3     277.4     249.8     286.7

  15  Other assets (6)                                     446.6     439.1     451.9     457.0     450.2     456.8     469.4     471.4         464.8     475.0     482.7     484.4

  16  TOTAL ASSETS (7)                                   5,804.4   5,692.4   5,738.5   5,807.3   5,840.8   5,873.8   5,980.7   6,069.3       6,045.9   6,110.8   6,095.9   6,143.0

            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   3,909.0   3,946.1   3,980.1       3,931.3   4,031.3   4,004.0   4,053.9
  18    Transaction                                        671.1     606.1     600.4     591.0     585.1     595.9     574.3     567.7         586.9     563.1     545.0     594.3
  19    Nontransaction                                   3,118.6   3,220.5   3,247.4   3,257.9   3,289.1   3,313.2   3,371.8   3,412.4       3,344.5   3,468.2   3,459.0   3,459.7
  20       Large time                                      567.9     551.3     547.2     548.9     544.0     561.1     568.9     572.1         568.7     584.4     580.9     573.7
  21       Other                                         2,550.7   2,669.2   2,700.2   2,709.0   2,745.1   2,752.1   2,803.0   2,840.3       2,775.7   2,883.7   2,878.1   2,885.9

  22  Borrowings                                         1,064.1   1,015.3   1,035.4   1,061.7   1,046.4   1,027.9   1,066.7   1,096.7       1,110.7   1,099.6   1,085.0   1,097.5
  23    From banks in the U.S.                             398.0     364.4     364.0     364.1     355.4     360.2     376.8     385.2         377.0     383.1     384.3     393.6
  24    From others                                        666.1     650.9     671.4     697.6     691.0     667.6     689.8     711.5         733.8     716.4     700.7     703.9

  25  Net due to related foreign offices                   188.8     171.0     170.6     179.4     174.3     176.1     179.0     183.6         182.1     169.5     193.0     193.0

  26  Other liabilities                                    319.0     239.7     246.0     263.7     285.4     303.0     321.2     334.5         341.3     341.0     340.1     315.5

  27  TOTAL LIABILITIES                                  5,361.7   5,252.6   5,299.8   5,353.7   5,380.3   5,416.1   5,512.9   5,594.9       5,565.5   5,641.3   5,622.1   5,659.9

  28  Residual (assets less liabilities) (8)               442.7     439.8     438.8     453.7     460.5     457.7     467.7     474.4         480.5     469.5     473.9     483.0






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

  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 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,699.8   2,560.2   2,561.7   2,577.4   2,597.0   2,630.7   2,678.6   2,715.3       2,730.8   2,716.7   2,734.4   2,713.9

  2     Securities in bank credit                          640.0     629.7     645.2     663.9     683.4     713.0     736.4     745.2         748.9     749.2     747.7     715.1
  3        Treasury and Agency securities (2)              368.0     369.7     383.4     390.3     399.9     410.7     427.3     431.7         430.0     431.8     429.4     414.7
  3a         Trading account                                37.9      32.7      38.1      43.0      42.4      43.1      48.0      42.6          37.4      36.5      35.1      35.3
  3b         Investment account                            330.1     337.0     345.3     347.3     357.6     367.6     379.3     389.1         392.6     395.3     394.3     379.3
  4        Other securities                                272.0     260.0     261.8     273.6     283.5     302.3     309.1     313.5         318.9     317.3     318.3     300.4
  4a         Trading account                               160.8     122.5     128.2     140.5     148.3     168.8     174.5     172.7         176.7     170.4     171.6     153.6
  4b         Investment account                            111.2     137.5     133.6     133.1     135.2     133.5     134.6     140.8         142.3     147.0     146.6     146.8
  4c           State and local government                   27.4      27.7      27.2      26.9      27.3      28.3      28.0      28.4          28.6      28.5      28.6      28.6
  4d           Other                                        83.8     109.9     106.4     106.2     107.8     105.3     106.5     112.4         113.7     118.4     118.1     118.2

  5     Loans and leases in bank credit (3)              2,059.8   1,930.5   1,916.4   1,913.5   1,913.5   1,917.7   1,942.3   1,970.1       1,981.9   1,967.6   1,986.7   1,998.8
  6        Commercial and industrial                       564.9     521.9     510.8     503.7     499.6     488.3     487.5     484.0         485.1     481.3     480.4     484.3
  7        Real estate                                     853.5     847.6     845.6     847.2     861.1     881.2     900.2     921.0         918.4     925.1     941.5     938.9
  8          Revolving home equity                          92.4     105.3     108.5     112.1     116.5     121.3     124.2     126.0         127.5     125.3     126.3     127.0
  9          Other                                         761.1     742.3     737.1     735.1     744.6     759.9     776.0     795.0         790.9     799.8     815.2     811.9
  10       Consumer                                        256.9     247.1     245.5     245.4     241.2     241.8     247.3     252.8         254.2     253.1     254.0     254.7
  11       Security (4)                                     88.4      73.8      75.7      81.5      76.5      78.7      77.5      77.8          86.5      70.8      80.8      84.8
  11a        Fed funds and RPs with broker/dealer           61.8      61.2      63.3      69.2      64.5      66.2      66.1      67.8          76.0      61.0      71.0      74.4
  11b        Other                                          26.6      12.5      12.3      12.3      12.0      12.5      11.3      10.0          10.5       9.8       9.8      10.3
  12a      State and local government                       14.9      13.3      13.1      13.0      13.0      12.8      12.9      13.0          13.0      13.3      13.3      13.1
  12b      Agricultural                                      9.9       9.4       9.2       9.2       9.1       9.0       8.2       8.2           8.2       7.9       8.0       8.1
  12c      Fed funds and RPs with others                    32.2      21.2      22.2      18.9      17.3      13.5      16.4      19.5          20.9      19.0      17.4      20.6
  12d      All other loans                                 107.2      65.8      65.2      67.0      69.0      66.0      66.4      68.0          69.8      71.7      67.0      70.1
  12e      Lease financing receivables                     131.9     130.4     129.2     127.7     126.8     126.3     126.1     125.8         125.8     125.3     124.3     124.2

  13  Interbank loans                                      204.2     149.6     158.9     169.0     161.2     162.8     174.1     179.5         175.5     186.7     175.0     184.8
  13a   Fed funds and RPs with banks                       129.4      78.3      85.7      84.7      75.0      75.1      84.4      86.7          77.5      90.6      76.3      87.5
  13b   Other                                               74.7      71.3      73.3      84.2      86.2      87.7      89.7      92.8          97.9      96.1      98.7      97.2

  14  Cash assets (5)                                      176.6     142.3     139.3     140.8     142.6     142.0     146.4     143.8         142.9     152.3     128.7     148.7

  15  Other assets (6)                                     318.3     293.3     302.6     308.2     303.0     309.3     317.7     312.4         313.3     308.0     325.3     312.6

  16  TOTAL ASSETS (7)                                   3,360.4   3,100.6   3,118.4   3,151.2   3,159.7   3,200.7   3,273.5   3,308.2       3,319.6   3,321.3   3,320.7   3,317.1



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

  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 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            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   1,841.9   1,867.4   1,878.0       1,872.5   1,906.5   1,878.7   1,907.6
  18    Transaction                                        378.4     305.7     288.9     290.5     286.1     291.5     281.5     267.4         288.3     261.4     252.3     288.1
  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       1,584.2   1,645.1   1,626.4   1,619.5
  20       Large time                                      266.2     250.5     247.0     248.5     243.6     260.8     267.6     271.1         270.7     282.5     274.5     267.4
  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       1,313.5   1,362.6   1,351.9   1,352.1

  22  Borrowings                                           714.5     636.8     646.6     665.3     655.5     642.0     676.2     671.5         671.6     662.5     659.4     664.6
  23    From banks in the U.S.                             251.0     191.5     192.6     193.6     187.5     190.7     200.4     206.0         195.6     205.4     202.4     207.3
  24    From others                                        463.5     445.4     453.9     471.7     468.0     451.4     475.8     465.5         476.0     457.1     457.1     457.3

  25  Net due to related foreign offices                   178.7     163.4     167.6     168.1     163.9     171.6     171.5     175.5         173.2     164.5     183.1     180.4

  26  Other liabilities                                    257.4     169.8     180.9     188.9     210.2     232.9     243.3     254.2         258.1     262.8     265.3     234.8

  27  TOTAL LIABILITIES                                  3,020.5   2,780.3   2,809.7   2,832.3   2,842.3   2,888.4   2,958.4   2,979.1       2,975.3   2,996.2   2,986.6   2,987.3

  28  Residual (assets less liabilities) (8)               340.0     320.3     308.7     318.9     317.4     312.4     315.2     329.1         344.3     325.1     334.2     329.7



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

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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 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,695.8   2,559.1   2,561.3   2,577.3   2,597.1   2,615.4   2,665.3   2,709.8       2,715.4   2,714.7   2,729.8   2,714.1

  2     Securities in bank credit                          637.7     633.2     643.3     661.9     679.8     701.0     730.0     742.5         742.2     748.8     747.6     713.8
  3        Treasury and Agency securities (2)              365.9     373.7     383.9     388.8     397.7     404.5     423.3     429.3         424.4     429.8     426.5     411.2
  3a         Trading account                                37.7      33.1      38.2      42.8      42.2      42.4      47.6      42.4          36.9      36.3      34.8      35.1
  3b         Investment account                            328.3     340.6     345.8     346.0     355.5     362.1     375.8     386.9         387.5     393.5     391.7     376.1
  3c           Mortgage-backed                             251.1     263.2     268.0     271.9     277.4     287.2     304.4     307.9         304.8     311.6     306.0     291.9
  3d           Other                                        77.2      77.5      77.7      74.0      78.1      74.9      71.4      79.0          82.7      81.9      85.7      84.2
  3e             1 year or less                             20.2      20.0      18.4      16.1      14.9      18.6      17.4      19.9          20.2      21.3      21.1      21.8
  3f             Between 1 and 5 years                      34.7      45.3      46.4      45.1      49.9      43.6      42.2      46.3          48.1      48.8      53.3      51.8
  3g             More than 5 years                          22.3      12.2      12.9      12.9      13.3      12.7      11.8      12.9          14.3      11.8      11.3      10.6
  4        Other securities                                271.8     259.4     259.4     273.1     282.1     296.5     306.7     313.3         317.8     319.0     321.2     302.6
  4a         Trading account                               160.6     122.2     127.0     140.2     147.5     165.5     173.1     172.6         176.0     171.3     173.2     154.8
  4b         Investment account                            111.1     137.2     132.4     132.9     134.5     131.0     133.6     140.7         141.7     147.7     148.0     147.9
  4c           State and local government                   27.4      27.6      27.0      26.9      27.2      27.7      27.8      28.4          28.5      28.7      28.8      28.8
  4d           Other                                        83.7     109.6     105.4     106.0     107.3     103.3     105.7     112.3         113.3     119.0     119.2     119.0

  5     Loans and leases in bank credit (3)              2,058.1   1,926.0   1,917.9   1,915.4   1,917.4   1,914.4   1,935.3   1,967.2       1,973.2   1,965.9   1,982.2   2,000.3
  6        Commercial and industrial                       564.5     522.3     514.2     507.2     500.8     488.0     485.1     483.7         484.4     483.5     481.2     485.4
  7        Real estate                                     853.8     843.0     844.3     850.6     863.0     881.4     900.6     921.4         916.7     924.3     941.3     938.4
  8          Revolving home equity                          92.8     104.3     108.1     112.6     117.0     121.5     124.6     126.5         127.8     125.5     126.3     127.1
  9a         Other residential                             450.8     429.6     426.5     427.0     436.1     449.7     465.4     483.5         476.2     486.1     502.3     498.2
  9b         Commercial                                    310.2     309.0     309.7     311.0     310.0     310.2     310.7     311.4         312.7     312.6     312.7     313.2
  10       Consumer                                        254.4     247.2     245.9     246.0     241.0     240.0     245.1     250.3         251.7     250.2     250.3     251.4
  10a        Credit card and related plans                  85.5      75.3      73.4      73.4      71.0      69.9      72.5      74.8          75.8      74.1      73.3      73.9
  10f        Other                                         168.9     171.9     172.6     172.6     170.0     170.1     172.6     175.4         175.9     176.1     177.0     177.5
  11       Security (4)                                     89.8      73.5      74.0      76.4      77.2      77.7      76.4      78.9          86.3      71.0      80.7      88.5
  11a        Fed funds and RPs with broker/dealer           62.7      61.0      61.9      64.9      65.1      65.4      65.2      68.8          75.9      61.2      70.9      77.7
  11b        Other                                          27.1      12.5      12.1      11.5      12.1      12.3      11.2      10.1          10.5       9.8       9.8      10.8
  12a      State and local government                       14.9      13.3      13.1      13.0      13.0      12.8      12.9      13.0          13.0      13.3      13.3      13.1
  12b      Agricultural                                      9.9       9.3       9.2       9.3       9.2       9.2       8.2       8.1           8.2       7.9       8.0       8.0
  12c      Fed funds and RPs with others                    33.1      21.2      22.2      18.9      17.3      13.5      16.4      19.5          20.9      19.0      17.4      20.6
  12d      All other loans                                 107.7      65.0      65.2      66.4      69.4      66.3      65.9      68.3          68.3      72.7      66.2      71.1
  12e      Lease financing receivables                     130.0     131.3     129.7     127.8     126.3     125.5     124.8     124.0         123.6     124.1     123.7     123.7

  13  Interbank loans                                      198.7     149.8     162.8     170.2     166.2     161.8     169.5     174.5         166.2     183.3     166.4     181.1
  13a   Fed funds and RPs with banks                       126.1      78.4      87.8      85.3      77.3      74.6      82.2      84.4          73.5      89.0      72.5      85.8
  13b   Other                                               72.6      71.4      75.0      84.8      88.9      87.2      87.3      90.2          92.8      94.4      93.9      95.3

  14  Cash assets (5)                                      173.5     137.4     141.9     140.2     138.6     136.6     137.3     141.0         133.6     148.2     127.8     163.5

  15  Other assets (6)                                     320.3     291.9     303.2     307.8     302.5     309.1     315.5     314.3         312.2     315.5     326.2     312.2

  16  TOTAL ASSETS (7)                                   3,349.7   3,093.4   3,125.3   3,151.4   3,160.2   3,179.1   3,244.3   3,296.6       3,284.6   3,319.3   3,307.7   3,328.3

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

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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 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            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   1,833.8   1,851.0   1,869.2       1,837.0   1,905.0   1,881.5   1,917.5
  18    Transaction                                        373.0     302.7     296.2     287.6     284.6     286.5     270.1     263.0         272.5     260.7     247.4     294.7
  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       1,564.5   1,644.3   1,634.1   1,622.8
  20       Large time                                      263.7     249.0     245.3     246.7     242.8     258.6     265.9     268.5         265.2     279.4     275.5     268.2
  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       1,299.3   1,364.9   1,358.7   1,354.6

  22  Borrowings                                           710.1     634.9     652.7     671.7     654.5     631.9     655.9     668.9         676.2     663.2     657.2     669.4
  23    From banks in the U.S.                             242.6     195.7     197.6     194.8     184.9     186.6     195.2     199.2         188.5     199.6     199.9     207.4
  24    From others                                        467.6     439.2     455.1     476.9     469.6     445.3     460.7     469.7         487.7     463.6     457.3     462.0

  25  Net due to related foreign offices                   178.2     162.0     160.8     167.8     162.6     166.4     170.5     175.0         175.0     162.9     179.1     179.1

  26  Other liabilities                                    257.0     168.4     174.1     188.4     208.7     226.5     241.8     253.7         260.6     261.1     260.2     233.3

  27  TOTAL LIABILITIES                                  3,005.8   2,774.1   2,809.8   2,832.4   2,837.1   2,858.6   2,919.1   2,966.8       2,948.8   2,992.2   2,978.1   2,999.3

  28  Residual (assets less liabilities) (8)               343.9     319.3     315.5     319.0     323.1     320.5     325.2     329.8         335.8     327.1     329.6     329.0













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

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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                                                                                                    October 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,133.6   2,273.0   2,289.8   2,333.2   2,351.1   2,360.9   2,387.3   2,409.6       2,407.2   2,419.4   2,422.4   2,425.6

  2     Securities in bank credit                          574.6     624.4     631.1     644.6     647.5     647.9     653.6     657.6         655.1     662.4     661.3     659.0
  3        Treasury and Agency securities (2)              364.9     408.8     415.2     432.3     437.3     436.5     441.8     449.3         447.8     454.4     453.4     450.0
  4        Other securities                                209.7     215.6     215.9     212.3     210.2     211.4     211.8     208.3         207.2     208.0     207.9     209.0

  5     Loans and leases in bank credit (3)              1,559.0   1,648.6   1,658.7   1,688.6   1,703.6   1,713.0   1,733.7   1,752.0       1,752.2   1,757.0   1,761.2   1,766.5
  6        Commercial and industrial                       299.9     301.9     300.5     302.2     303.3     305.2     307.7     309.0         309.3     310.1     309.7     309.5
  7        Real estate                                     857.8     926.2     932.4     954.4     963.7     974.7     986.7   1,000.3         999.0   1,002.9   1,007.9   1,009.6
  8          Revolving home equity                          52.2      62.3      63.6      67.7      69.8      71.9      73.7      74.7          74.8      75.5      75.8      75.9
  9          Other                                         805.6     863.9     868.8     886.7     893.9     902.8     913.0     925.6         924.2     927.4     932.1     933.7
  10       Consumer                                        295.4     315.6     322.1     325.5     329.2     325.0     329.7     332.3         332.3     333.2     331.1     334.3
  11       Security (4)                                      8.5       7.6       7.2       7.3       7.6       7.9       8.1       8.3           8.6       8.4       8.3       8.5
  12       Other loans and leases                           97.4      97.3      96.5      99.2      99.8     100.3     101.5     102.1         103.0     102.6     104.2     104.6

  13  Interbank loans                                      116.3      99.5      89.9      96.0     101.0     107.8     111.4     114.3         122.2     115.4     113.7     119.5

  14  Cash assets (5)                                      108.8     113.8     114.2     116.1     119.3     121.6     124.1     125.1         125.8     130.7     119.6     117.0

  15  Other assets (6)                                     126.3     147.2     148.7     149.2     147.7     147.6     153.9     157.1         152.5     159.5     156.5     172.2

  16  TOTAL ASSETS (7)                                   2,455.8   2,602.9   2,611.7   2,663.4   2,687.8   2,706.8   2,745.0   2,773.8       2,775.5   2,792.7   2,779.9   2,801.5

            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   2,122.2       2,121.5   2,134.5   2,119.6   2,134.6
  18    Transaction                                        300.0     305.1     302.5     308.1     301.7     311.8     307.9     306.6         325.2     303.0     296.7     296.4
  19    Nontransaction                                   1,639.6   1,708.0   1,710.3   1,742.9   1,770.1   1,775.6   1,803.4   1,815.6       1,796.3   1,831.5   1,822.9   1,838.2
  20       Large time                                      304.2     302.3     301.8     302.2     301.1     302.4     303.0     303.6         303.5     305.0     305.4     305.6
  21       Other                                         1,335.4   1,405.7   1,408.4   1,440.7   1,469.0   1,473.2   1,500.4   1,512.0       1,492.8   1,526.5   1,517.5   1,532.6

  22  Borrowings                                           354.0     380.4     382.7     390.0     391.9     395.9     410.8     427.8         434.5     436.4     427.8     428.1
  23    From banks in the U.S.                             155.4     168.8     166.4     169.3     170.4     173.6     181.7     186.0         188.5     183.6     184.4     186.3
  24    From others                                        198.6     211.6     216.3     220.7     221.5     222.4     229.1     241.8         246.0     252.8     243.4     241.8

  25  Net due to related foreign offices                    10.7       9.0       9.7      11.6      11.7       9.8       8.5       8.6           7.1       6.6      13.8      13.8

  26  Other liabilities                                     62.0      71.3      71.9      75.3      76.7      76.6      79.4      80.8          80.7      79.8      79.9      82.3

  27  TOTAL LIABILITIES                                  2,366.2   2,473.9   2,477.0   2,527.9   2,552.1   2,569.7   2,609.9   2,639.5       2,643.8   2,657.3   2,641.1   2,658.8

  28  Residual (assets less liabilities) (8)                89.5     129.0     134.6     135.4     135.7     137.1     135.1     134.4         131.8     135.4     138.7     142.7



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                October 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,135.4   2,268.2   2,286.9   2,331.1   2,348.4   2,355.6   2,384.3   2,411.6       2,412.3   2,421.3   2,425.4   2,432.0

  2     Securities in bank credit                          573.7     626.7     632.3     643.9     647.0     645.8     651.3     656.5         655.4     660.4     659.7     657.6
  3        Treasury and Agency securities (2)              364.0     411.1     416.4     431.5     436.8     434.3     439.5     448.2         448.1     452.5     451.9     448.6
  4        Other securities                                209.7     215.6     215.9     212.3     210.2     211.4     211.8     208.3         207.2     208.0     207.9     209.0

  5     Loans and leases in bank credit (3)              1,561.7   1,641.5   1,654.6   1,687.2   1,701.4   1,709.8   1,733.1   1,755.1       1,756.9   1,760.9   1,765.7   1,774.4
  6        Commercial and industrial                       298.2     301.6     302.4     304.6     305.4     305.8     306.2     307.3         308.2     308.9     309.2     309.7
  7        Real estate                                     859.2     923.2     930.3     953.6     962.8     973.8     987.4   1,002.0       1,002.3   1,005.3   1,010.3   1,013.1
  8          Revolving home equity                          52.5      61.7      63.3      67.5      69.6      71.5      73.5      75.2          75.7      76.0      76.3      76.4
  9          Other                                         806.7     861.5     867.0     886.0     893.2     902.3     913.9     926.8         926.6     929.3     934.0     936.6
  10       Consumer                                        297.2     312.7     318.3     323.1     325.2     320.9     328.4     334.4         335.6     334.8     332.9     338.0
  10a        Credit card and related plans                 131.5     144.7     150.2     149.5     150.0     145.5     152.0     156.5         157.4     156.8     154.9     159.8
  10h        Other                                         165.7     168.0     168.1     173.6     175.2     175.4     176.4     177.9         178.1     178.1     178.0     178.2
  11       Security (4)                                      8.4       7.9       7.4       7.2       7.5       7.7       8.0       8.1           7.9       8.2       8.3       8.4
  12       Other loans and leases                           98.7      96.1      96.2      98.8     100.5     101.6     103.1     103.4         103.0     103.7     105.1     105.2

  13  Interbank loans                                      113.8     104.2      95.9      91.4      98.1     102.9     109.5     111.5         108.1     113.7     116.7     119.9

  14  Cash assets (5)                                      108.4     110.0     112.6     115.4     117.7     119.7     120.3     124.7         120.7     129.2     122.0     123.2

  15  Other assets (6)                                     126.3     147.2     148.7     149.2     147.7     147.6     153.9     157.1         152.5     159.5     156.5     172.2

  16  TOTAL ASSETS (7)                                   2,454.7   2,599.0   2,613.2   2,655.9   2,680.6   2,694.7   2,736.4   2,772.7       2,761.4   2,791.5   2,788.2   2,814.6

            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   2,095.2   2,110.8       2,094.4   2,126.3   2,122.5   2,136.5
  18    Transaction                                        298.2     303.4     304.1     303.3     300.5     309.3     304.2     304.7         314.4     302.4     297.6     299.6
  19    Nontransaction                                   1,631.0   1,714.3   1,721.5   1,741.0   1,762.4   1,765.9   1,790.9   1,806.2       1,780.0   1,823.8   1,824.9   1,836.9
  20       Large time                                      304.2     302.3     301.8     302.2     301.1     302.4     303.0     303.6         303.5     305.0     305.4     305.6
  21       Other                                         1,326.8   1,412.0   1,419.7   1,438.8   1,461.3   1,463.4   1,487.9   1,502.6       1,476.5   1,518.9   1,519.5   1,531.3

  22  Borrowings                                           354.0     380.4     382.7     390.0     391.9     395.9     410.8     427.8         434.5     436.4     427.8     428.1
  23    From banks in the U.S.                             155.4     168.8     166.4     169.3     170.4     173.6     181.7     186.0         188.5     183.6     184.4     186.3
  24    From others                                        198.6     211.6     216.3     220.7     221.5     222.4     229.1     241.8         246.0     252.8     243.4     241.8

  25  Net due to related foreign offices                    10.7       9.0       9.7      11.6      11.7       9.8       8.5       8.6           7.1       6.6      13.8      13.8

  26  Other liabilities                                     62.0      71.3      71.9      75.3      76.7      76.6      79.4      80.8          80.7      79.8      79.9      82.3

  27  TOTAL LIABILITIES                                  2,355.9   2,478.5   2,490.0   2,521.2   2,543.2   2,557.5   2,593.8   2,628.1       2,616.6   2,649.1   2,644.0   2,660.6

  28  Residual (assets less liabilities) (8)                98.8     120.6     123.2     134.7     137.4     137.2     142.6     144.6         144.7     142.3     144.2     154.0




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

  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 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          591.9     597.6     597.9     597.0     605.5     608.8     617.6     615.9         613.8     605.4     614.7     601.4

  2     Securities in bank credit                          223.1     228.1     225.4     228.4     234.9     236.2     246.1     243.8         243.0     244.9     244.0     234.8
  3        Treasury and Agency securities (2)               70.4      68.6      69.5      70.9      73.4      73.5      80.0      85.2          86.5      86.4      86.9      84.3
  4        Other securities                                152.7     159.6     155.9     157.5     161.5     162.6     166.1     158.7         156.5     158.4     157.2     150.5

  5     Loans and leases in bank credit (3)                368.8     369.5     372.5     368.6     370.6     372.7     371.5     372.1         370.8     360.5     370.7     366.5
  6        Commercial and industrial                       201.2     201.6     198.0     198.7     194.8     191.6     190.3     185.7         185.4     179.1     181.1     181.4
  7        Real estate                                      18.7      19.3      19.4      19.4      19.6      19.8      19.8      19.9          20.0      19.9      20.0      20.2
  11       Security (4)                                     79.9      78.7      83.9      79.7      84.7      88.6      89.1      93.5          91.4      89.1      95.7      91.7
  12       Other loans and leases                           69.1      70.0      71.2      70.8      71.5      72.7      72.4      72.9          73.9      72.4      73.9      73.1

  13  Interbank loans                                       25.7      20.6      21.9      23.4      20.2      17.3      18.1      21.1          20.6      19.9      21.7      23.1

  14  Cash assets (5)                                       43.8      44.3      46.7      45.3      45.5      45.1      44.9      43.7          43.7      42.7      43.7      42.6

  15  Other assets (6)                                      33.6      30.1      30.9      30.6      32.8      33.7      33.8      32.4          31.9      32.8      33.8      35.5

  16  TOTAL ASSETS (7)                                     694.6     692.3     697.0     696.0     703.6     704.6     714.0     712.9         709.6     700.4     713.5     702.2

            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     485.5         478.7     467.1     473.8     476.7
  18    Transaction                                         12.5      10.1      10.6      10.9      10.9      10.6      10.9      11.0          11.0      11.5      11.2      12.5
  19    Nontransaction                                     398.3     477.9     496.3     496.7     497.3     493.1     486.2     474.6         467.7     455.6     462.5     464.3

  22  Borrowings                                           217.6     188.7     190.6     190.1     193.8     203.1     214.7     223.6         225.1     227.0     226.2     222.2
  23    From banks in the U.S.                              29.9      21.0      22.3      21.1      21.4      21.2      22.4      23.8          24.4      27.2      22.8      26.4
  24    From others                                        187.7     167.8     168.3     169.1     172.4     181.9     192.3     199.8         200.8     199.8     203.4     195.8

  25  Net due to related foreign offices                   -16.4     -63.0     -73.6     -87.6     -84.7     -90.5     -88.9     -84.5         -87.4     -86.7     -81.5     -81.8

  26  Other liabilities                                     84.4      68.6      68.0      72.6      81.7      87.5      93.5      89.9          90.3      93.5      97.5      93.7

  27  TOTAL LIABILITIES                                    696.4     682.3     691.8     682.7     699.1     703.7     716.4     714.6         706.8     700.9     716.0     710.8

  28  Residual (assets less liabilities) (8)                -1.8      10.0       5.2      13.3       4.5       0.9      -2.4      -1.7           2.9      -0.5      -2.5      -8.6



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

  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 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          589.0     597.6     597.9     593.1     602.4     602.8     611.5     612.6         612.8     603.8     609.7     601.6

  2     Securities in bank credit (2)                      223.1     228.1     225.4     228.4     234.9     236.2     246.1     243.8         243.0     244.9     244.0     234.8
  3        Treasury and Agency securities                   70.4      68.6      69.5      70.9      73.4      73.5      80.0      85.2          86.5      86.4      86.9      84.3
  3a         Trading account                                12.7       9.1       9.3      10.0      10.4      10.5      12.8      14.3          14.3      14.5      14.8      14.7
  3b         Investment account                             57.7      59.5      60.2      60.9      63.0      63.0      67.2      70.8          72.2      72.0      72.1      69.6
  4        Other securities                                152.7     159.6     155.9     157.5     161.5     162.6     166.1     158.7         156.5     158.4     157.2     150.5
  4a         Trading account                               105.1      98.7      96.3      98.5     102.7     106.8     108.6     102.8         102.0     103.2     102.1      96.3
  4b         Investment account                             47.6      60.8      59.6      59.0      58.7      55.8      57.5      55.9          54.6      55.2      55.1      54.3

  5     Loans and leases in bank credit (3)                365.9     369.4     372.5     364.7     367.5     366.7     365.4     368.8         369.8     358.9     365.6     366.8
  6        Commercial and industrial                       201.1     203.0     196.8     196.4     193.6     190.3     188.7     185.6         186.1     180.6     181.1     181.7
  7        Real estate                                      18.7      19.3      19.4      19.4      19.6      19.8      19.8      19.9          20.0      19.9      20.0      20.2
  11       Security (4)                                     77.4      76.4      84.5      78.5      83.1      85.3      85.8      90.7          90.3      85.9      92.1      92.4
  12       Other loans and leases                           68.6      70.8      71.9      70.4      71.2      71.4      71.1      72.5          73.4      72.5      72.4      72.4

  13  Interbank loans                                       25.7      20.6      21.9      23.4      20.2      17.3      18.1      21.1          20.6      19.9      21.7      23.1

  14  Cash assets (5)                                       43.8      43.2      44.8      43.8      43.5      43.3      43.5      43.7          44.6      43.6      43.4      43.4

  15  Other assets (6)                                      34.2      31.0      30.7      30.7      31.4      32.4      33.3      33.1          32.4      33.2      33.6      35.0

  16  TOTAL ASSETS (7)                                     692.3     691.9     694.9     690.6     697.2     695.4     706.0     710.2         710.0     700.1     708.0     702.6

            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     473.6         471.5     460.1     463.8     466.0
  18    Transaction                                         12.7       9.9      10.1      10.5      10.6      10.6      10.6      11.1          11.6      11.9      10.9      12.8
  19    Nontransaction                                     388.2     480.2     500.6     502.2     495.8     484.1     472.0     462.4         459.9     448.2     452.9     453.2

  22  Borrowings                                           217.6     188.7     190.6     190.1     193.8     203.1     214.7     223.6         225.1     227.0     226.2     222.2
  23    From banks in the U.S.                              29.9      21.0      22.3      21.1      21.4      21.2      22.4      23.8          24.4      27.2      22.8      26.4
  24    From others                                        187.7     167.8     168.3     169.1     172.4     181.9     192.3     199.8         200.8     199.8     203.4     195.8

  25  Net due to related foreign offices                   -15.2     -59.9     -75.5     -87.7     -87.3     -94.4     -90.8     -83.5         -83.4     -86.0     -83.5     -83.5

  26  Other liabilities                                     85.0      69.8      67.3      72.5      80.4      85.3      92.4      90.5          92.7      93.9      96.3      92.7

  27  TOTAL LIABILITIES                                    688.2     688.8     693.1     687.7     693.3     688.6     698.9     704.2         705.9     695.0     702.7     697.4

  28  Residual (assets less liabilities) (8)                 4.1       3.1       1.9       2.9       3.9       6.8       7.1       6.0           4.1       5.1       5.3       5.2







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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars                                                                                                                      October 25, 2002


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 25     Oct 2     Oct 9    Oct 16 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      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     119.1         123.6     124.3     125.0     102.4

  30  Reval. losses on off-bal. sheet items (9)             84.9      52.5      57.5      61.7      75.2      89.2      93.7     100.0         104.6     103.6     105.9      81.7

  31  Mortgage-backed securities (10)                      273.7     299.2     302.0     306.1     312.5     319.9     338.0     343.4         342.1     351.9     347.3     333.1
  31a   Pass-through                                       210.4     201.3     203.2     210.4     224.6     236.3     253.3     254.6         252.9     257.8     252.7     240.4
  31b   CMO, REMIC, and other                               63.4      98.0      98.8      95.7      88.0      83.6      84.7      88.8          89.2      94.2      94.5      92.7

  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          12.3      13.8      13.7      12.5

  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      18.7      18.6      18.6

  34  Securitized consumer loans (13)                       98.9      95.9      96.2      96.4     100.3     104.1     102.3     101.5         101.2     102.4     102.3     102.3
  34a   Credit card and related plans                       88.3      83.6      84.3      84.9      88.1      89.0      87.2      86.8          86.8      88.1      88.1      88.1
  34b   Other                                               10.5      12.3      11.9      11.5      12.2      15.1      15.1      14.7          14.4      14.3      14.2      14.2

  35  Securitized business loans (13)                       20.0      17.7      17.1      16.7      16.6      17.0      17.7      17.6          17.2      17.4      17.5      17.5


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      247.4     283.9     288.1     302.6     305.5     305.1     307.0     312.8         312.3     314.9     316.0     313.4

  34  Securitized consumer loans (13)                      236.9     247.1     246.1     246.8     246.7     242.1     240.4     238.1         237.9     237.6     238.7     235.4
  34a   Credit card and related plans                      228.6     239.4     238.2     239.2     239.7     238.5     237.3     235.1         234.9     234.6     235.4     232.1
  34b   Other                                                8.3       7.7       7.9       7.6       7.0       3.6       3.1       3.0           3.0       2.9       3.4       3.3


      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          62.1      62.9      62.3      57.6

  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          61.5      62.8      63.6      58.0

  35  Securitized business loans (13)                       13.2      12.4      11.3      10.5       9.9       9.4       9.1       8.1           7.9       7.8       7.8       7.7











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                  October 25, 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.

NOTE: Domestically chartered commercial banks acquired $1.5 billion in assets and liabilities of nonbank institutions in the week ending October 16, 2002.  The major asset                                                                                                                  
items affected were (in billions): U.S. government securities, $0.5; other securities, $0.3; and real estate loans, other, $0.8. The major liability items                                                                                                                                   
affected were: transaction deposits, $0.1; nontransaction deposits, large time deposits, $0.1; nontransaction deposits, other, 1.3; borrowings from banks in the U.S., $0.2,                                                                                                                 
and the residual (assets less liabilites), $0.1.  Memo item affected was: mortgage-backed securities, $0.4.                                                                                                                                                                                  
                                                                                                                                                                                                                                                                             
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