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 November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,422.9 5,449.4 5,507.7 5,553.7 5,601.1 5,684.0 5,740.7 5,768.6 5,765.4 5,788.0 5,841.6 5,880.5 2 Securities in bank credit 1,470.8 1,501.7 1,536.9 1,565.9 1,597.2 1,636.3 1,646.6 1,643.8 1,636.0 1,664.0 1,697.2 1,719.1 3 Treasury and Agency securities (2) 825.0 869.5 895.2 912.4 922.6 950.9 967.7 975.7 984.9 991.2 1,008.4 1,002.9 4 Other securities 645.8 632.1 641.8 653.5 674.6 685.4 678.9 668.1 651.1 672.8 688.8 716.2 5 Loans and leases in bank credit (3) 3,952.1 3,947.8 3,970.8 3,987.8 4,003.8 4,047.7 4,094.1 4,124.8 4,129.4 4,124.1 4,144.4 4,161.4 6 Commercial and industrial 1,051.7 1,009.0 1,004.3 997.0 983.6 983.7 976.9 972.0 973.2 971.3 971.1 969.4 7 Real estate 1,753.0 1,796.0 1,819.2 1,841.6 1,872.6 1,903.5 1,937.4 1,970.2 1,968.6 1,981.4 1,996.6 2,011.1 8 Revolving home equity 150.8 172.1 179.7 186.4 193.3 198.0 201.2 205.3 205.4 206.3 207.0 207.6 9 Other 1,602.2 1,623.9 1,639.4 1,655.3 1,679.3 1,705.6 1,736.2 1,764.8 1,763.2 1,775.1 1,789.5 1,803.5 10 Consumer 551.1 567.9 571.1 570.7 567.2 577.3 585.4 587.5 588.0 588.5 585.9 587.1 11 Security (4) 154.1 167.0 168.7 169.1 176.3 175.8 180.8 181.8 186.5 172.0 177.4 182.7 12 Other loans and leases 442.3 407.9 407.5 409.4 404.1 407.3 413.6 413.4 413.2 410.8 413.4 411.1 13 Interbank loans 301.6 270.7 288.4 282.4 287.9 303.6 315.0 323.0 330.0 324.7 322.1 318.5 14 Cash assets (5) 302.3 300.0 302.0 307.1 308.2 314.9 312.1 312.6 317.6 317.7 304.7 309.0 15 Other assets (6) 495.9 482.1 488.0 483.5 490.3 504.7 501.3 511.8 512.0 514.7 520.2 545.8 16 TOTAL ASSETS (7) 6,452.0 6,426.9 6,510.4 6,551.0 6,611.9 6,731.8 6,793.7 6,840.1 6,848.9 6,869.1 6,912.4 6,977.5 L I A B I L I T I E S 17 Deposits 4,181.5 4,334.2 4,368.6 4,392.8 4,433.2 4,476.0 4,485.8 4,493.5 4,487.8 4,497.8 4,494.0 4,523.6 18 Transaction 640.8 602.0 609.5 598.8 614.2 601.1 585.9 613.2 636.3 660.5 579.8 587.7 19 Nontransaction 3,540.7 3,732.3 3,759.1 3,794.1 3,819.0 3,874.9 3,899.9 3,880.2 3,851.6 3,837.4 3,914.2 3,935.9 20 Large time 982.7 1,042.9 1,046.2 1,039.3 1,048.8 1,048.4 1,042.6 1,026.6 1,023.7 1,021.9 1,007.0 1,002.2 21 Other 2,558.0 2,689.3 2,712.9 2,754.8 2,770.2 2,826.5 2,857.3 2,853.7 2,827.9 2,815.5 2,907.2 2,933.7 22 Borrowings 1,266.2 1,220.0 1,245.6 1,241.3 1,241.2 1,301.9 1,323.0 1,327.4 1,331.5 1,340.7 1,356.7 1,364.2 23 From banks in the U.S. 412.6 382.6 385.1 380.4 386.6 405.6 417.0 415.3 413.3 414.6 425.8 422.6 24 From others 853.7 837.5 860.4 860.9 854.6 896.3 905.9 912.1 918.2 926.1 930.9 941.5 25 Net due to related foreign offices 178.2 103.7 92.2 90.9 90.4 90.8 99.6 122.5 138.3 122.7 138.2 135.8 26 Other liabilities 373.3 320.7 336.7 368.6 397.2 416.3 424.7 427.6 409.0 438.7 444.6 461.7 27 TOTAL LIABILITIES 5,999.3 5,978.6 6,043.1 6,093.6 6,162.1 6,284.9 6,333.0 6,371.0 6,366.6 6,399.9 6,433.5 6,485.3 28 Residual (assets less liabilities) (8) 452.7 448.3 467.4 457.4 449.8 446.9 460.7 469.1 482.3 469.1 478.9 492.2 ------------------------------------------------- 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 November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,425.7 5,446.3 5,501.6 5,548.2 5,574.4 5,661.5 5,733.9 5,772.7 5,763.5 5,804.6 5,865.7 5,897.1 2 Securities in bank credit 1,470.5 1,501.1 1,534.2 1,561.7 1,583.1 1,627.6 1,642.9 1,643.1 1,632.8 1,668.2 1,702.9 1,721.5 3 Treasury and Agency securities (2) 821.8 871.3 892.8 909.6 914.3 944.6 964.2 971.9 978.9 990.5 1,009.4 1,001.8 4 Other securities 648.7 629.7 641.3 652.1 668.8 683.1 678.6 671.2 653.9 677.6 693.5 719.7 5 Loans and leases in bank credit (3) 3,955.2 3,945.2 3,967.4 3,986.5 3,991.3 4,033.9 4,091.0 4,129.5 4,130.7 4,136.4 4,162.8 4,175.6 6 Commercial and industrial 1,053.1 1,013.1 1,007.8 999.2 982.5 978.2 974.8 973.3 973.3 973.8 975.2 970.9 7 Real estate 1,754.8 1,792.7 1,821.8 1,842.6 1,872.0 1,904.6 1,939.5 1,972.3 1,969.2 1,983.8 2,002.5 2,018.0 8 Revolving home equity 151.2 171.5 180.1 186.6 193.1 198.1 202.2 205.9 205.9 207.1 207.8 208.4 9 Other 1,603.6 1,621.2 1,641.7 1,656.0 1,678.9 1,706.6 1,737.3 1,766.4 1,763.2 1,776.8 1,794.8 1,809.5 10 Consumer 551.5 564.5 569.3 566.5 561.3 573.9 584.9 588.1 590.0 590.9 586.7 588.3 10a Credit card and related plans 216.3 223.5 222.8 221.0 215.4 224.5 231.3 232.3 234.3 234.0 228.7 230.0 10b Other 335.2 340.9 346.5 345.5 345.9 349.3 353.5 355.8 355.7 356.8 358.0 358.4 11 Security (4) 156.3 166.1 162.3 168.1 171.7 171.3 179.0 184.2 189.6 178.6 184.7 187.7 12 Other loans and leases 439.5 408.9 406.2 410.0 403.8 405.9 412.8 411.7 408.6 409.3 413.6 410.6 13 Interbank loans 296.6 280.6 285.0 284.5 282.0 297.2 307.3 317.7 315.3 324.7 332.2 324.9 14 Cash assets (5) 304.1 299.1 299.2 299.4 299.0 300.7 309.0 314.9 301.0 322.1 305.4 326.7 15 Other assets (6) 494.6 482.6 487.7 481.6 488.9 501.9 503.9 510.5 504.0 514.4 524.9 548.4 16 TOTAL ASSETS (7) 6,450.6 6,433.4 6,497.8 6,537.9 6,569.0 6,685.9 6,778.3 6,840.1 6,808.0 6,890.1 6,952.0 7,020.6 L I A B I L I T I E S 17 Deposits 4,166.8 4,358.4 4,361.6 4,380.6 4,403.9 4,429.0 4,453.8 4,478.4 4,439.7 4,484.3 4,512.0 4,552.3 18 Transaction 635.1 610.4 601.5 595.7 606.8 585.7 579.7 608.1 609.0 659.5 577.6 598.2 19 Nontransaction 3,531.7 3,748.0 3,760.1 3,784.8 3,797.1 3,843.3 3,874.0 3,870.3 3,830.7 3,824.8 3,934.4 3,954.0 20 Large time 977.1 1,045.5 1,049.8 1,037.0 1,037.7 1,032.7 1,028.1 1,020.4 1,019.0 1,020.3 1,010.0 1,008.1 21 Other 2,554.5 2,702.5 2,710.3 2,747.8 2,759.4 2,810.5 2,846.0 2,849.9 2,811.8 2,804.4 2,924.4 2,945.9 22 Borrowings 1,268.1 1,226.2 1,252.0 1,240.3 1,231.1 1,281.5 1,320.4 1,329.4 1,330.7 1,346.0 1,365.8 1,369.8 23 From banks in the U.S. 410.7 387.5 386.4 377.9 382.5 400.4 410.2 413.6 410.7 413.5 426.0 420.5 24 From others 857.4 838.7 865.6 862.4 848.6 881.1 910.2 915.8 920.0 932.5 939.8 949.3 25 Net due to related foreign offices 177.6 95.1 91.7 87.0 81.4 87.9 100.1 122.0 140.0 127.7 138.0 138.0 26 Other liabilities 373.6 313.3 336.2 365.8 388.7 413.6 424.8 427.7 411.6 445.4 447.3 465.9 27 TOTAL LIABILITIES 5,986.0 5,993.0 6,041.5 6,073.7 6,105.0 6,212.0 6,299.0 6,357.4 6,322.0 6,403.3 6,463.0 6,525.9 28 Residual (assets less liabilities) (8) 464.5 440.4 456.3 464.2 464.0 473.9 479.3 482.8 486.1 486.7 489.0 494.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,830.3 4,851.4 4,910.5 4,948.1 4,992.2 5,066.1 5,124.4 5,157.9 5,153.8 5,179.2 5,218.5 5,243.2 2 Securities in bank credit 1,239.1 1,276.3 1,308.5 1,331.0 1,361.1 1,390.0 1,402.6 1,404.3 1,401.2 1,425.2 1,446.2 1,459.1 3 Treasury and Agency securities (2) 746.1 798.6 822.8 837.5 847.6 869.4 881.1 888.2 899.4 902.3 914.6 906.1 4 Other securities 493.0 477.7 485.7 493.5 513.5 520.6 521.5 516.2 501.9 522.9 531.6 553.0 5 Loans and leases in bank credit (3) 3,591.3 3,575.1 3,602.0 3,617.1 3,631.1 3,676.1 3,721.9 3,753.6 3,752.6 3,753.9 3,772.3 3,784.1 6 Commercial and industrial 854.8 811.0 805.6 802.4 793.1 794.6 792.3 791.1 791.0 791.1 789.8 788.4 7 Real estate 1,734.1 1,776.6 1,799.8 1,822.0 1,852.9 1,883.7 1,917.5 1,949.6 1,948.0 1,960.2 1,975.2 1,989.6 8 Revolving home equity 150.8 172.1 179.7 186.4 193.3 198.0 201.2 205.3 205.4 206.3 207.0 207.6 9 Other 1,583.4 1,604.4 1,620.1 1,635.7 1,659.6 1,685.8 1,716.3 1,744.3 1,742.6 1,753.9 1,768.2 1,782.1 10 Consumer 551.1 567.9 571.1 570.7 567.2 577.3 585.4 587.5 588.0 588.5 585.9 587.1 11 Security (4) 78.8 82.9 88.8 84.1 86.6 85.6 86.1 85.4 86.1 75.8 79.0 79.9 12 Other loans and leases 372.5 336.7 336.7 337.9 331.4 334.9 340.7 340.0 339.6 338.3 342.3 339.1 13 Interbank loans 277.9 248.8 265.0 262.2 270.6 285.5 293.9 298.4 304.6 295.3 297.6 291.0 14 Cash assets (5) 263.4 253.6 256.9 261.9 263.3 270.2 268.6 269.9 275.6 275.5 264.3 269.5 15 Other assets (6) 462.9 451.3 457.4 450.7 456.6 471.2 469.3 476.0 477.3 475.9 479.3 505.2 16 TOTAL ASSETS (7) 5,764.1 5,729.9 5,814.5 5,847.4 5,907.5 6,018.2 6,081.1 6,126.7 6,135.6 6,150.1 6,183.9 6,233.0 L I A B I L I T I E S 17 Deposits 3,758.1 3,827.4 3,861.0 3,884.6 3,929.5 3,978.9 4,000.2 4,030.0 4,028.3 4,040.5 4,051.0 4,078.2 18 Transaction 630.0 591.4 598.6 587.8 603.6 590.2 574.9 602.6 626.1 650.7 569.3 577.2 19 Nontransaction 3,128.2 3,236.0 3,262.4 3,296.7 3,325.9 3,388.7 3,425.3 3,427.4 3,402.2 3,389.8 3,481.6 3,501.0 20 Large time 572.9 548.9 550.7 544.7 563.2 570.5 574.6 578.0 576.2 579.8 577.1 575.9 21 Other 2,555.3 2,687.1 2,711.7 2,752.0 2,762.7 2,818.2 2,850.8 2,849.5 2,826.0 2,810.0 2,904.5 2,925.1 22 Borrowings 1,060.3 1,029.4 1,055.4 1,047.5 1,038.1 1,087.1 1,099.4 1,098.7 1,110.6 1,104.1 1,108.3 1,110.6 23 From banks in the U.S. 389.1 360.2 364.1 359.0 365.4 383.2 393.2 391.2 391.5 390.6 399.5 401.0 24 From others 671.2 669.2 691.4 688.5 672.7 704.0 706.1 707.6 719.1 713.4 708.8 709.6 25 Net due to related foreign offices 193.5 177.3 179.8 175.6 181.0 179.7 184.1 191.8 193.4 191.6 192.8 192.9 26 Other liabilities 295.0 252.7 264.2 286.9 309.7 322.9 334.9 332.0 317.4 339.3 343.0 357.6 27 TOTAL LIABILITIES 5,306.9 5,286.8 5,360.3 5,394.5 5,458.3 5,568.6 5,618.7 5,652.6 5,649.7 5,675.6 5,695.1 5,739.4 28 Residual (assets less liabilities) (8) 457.2 443.1 454.2 452.9 449.2 449.6 462.5 474.1 485.8 474.5 488.8 493.7 ------------------------------------------------- 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 November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,833.0 4,848.1 4,908.3 4,945.6 4,971.6 5,049.8 5,120.9 5,162.0 5,152.5 5,190.8 5,236.5 5,255.5 2 Securities in bank credit 1,238.7 1,275.7 1,305.8 1,326.8 1,346.9 1,381.3 1,398.8 1,403.6 1,398.1 1,429.5 1,452.0 1,461.6 3 Treasury and Agency securities (2) 742.9 800.4 820.5 834.7 839.3 863.1 877.6 884.3 893.4 901.7 915.7 905.0 4 Other securities 495.8 475.3 485.3 492.1 507.6 518.2 521.2 519.3 504.6 527.8 536.3 556.6 5 Loans and leases in bank credit (3) 3,594.3 3,572.5 3,602.6 3,618.8 3,624.7 3,668.5 3,722.1 3,758.3 3,754.5 3,761.3 3,784.6 3,794.0 6 Commercial and industrial 855.5 816.4 811.4 805.7 793.4 790.6 790.3 791.7 790.8 791.9 792.0 788.5 7 Real estate 1,735.9 1,773.2 1,802.4 1,823.0 1,852.2 1,884.8 1,919.6 1,951.8 1,948.6 1,962.7 1,981.2 1,996.5 8 Revolving home equity 151.2 171.5 180.1 186.6 193.1 198.1 202.2 205.9 205.9 207.1 207.8 208.4 9 Other 1,584.7 1,601.8 1,622.4 1,636.4 1,659.1 1,686.8 1,717.4 1,745.8 1,742.6 1,755.7 1,773.4 1,788.1 10 Consumer 551.5 564.5 569.3 566.5 561.3 573.9 584.9 588.1 590.0 590.9 586.7 588.3 10a Credit card and related plans 216.3 223.5 222.8 221.0 215.4 224.5 231.3 232.3 234.3 234.0 228.7 230.0 10d Other 335.2 340.9 346.5 345.5 345.9 349.3 353.5 355.8 355.7 356.8 358.0 358.4 11 Security (4) 80.8 81.4 83.6 84.7 85.4 84.4 87.1 87.6 89.1 78.6 82.1 81.9 12 Other loans and leases 370.5 337.0 335.8 338.8 332.4 334.7 340.3 339.2 336.0 337.3 342.5 338.8 13 Interbank loans 272.9 258.7 261.6 264.3 264.8 279.1 286.1 293.1 289.9 295.3 307.7 297.4 14 Cash assets (5) 264.4 254.6 255.6 256.2 256.0 257.4 265.5 271.3 258.0 277.9 263.2 284.4 15 Other assets (6) 462.2 451.9 457.0 450.2 456.5 469.0 471.2 475.4 470.3 476.7 484.6 508.4 16 TOTAL ASSETS (7) 5,762.4 5,738.5 5,807.3 5,840.7 5,873.8 5,980.3 6,068.4 6,126.5 6,095.3 6,165.3 6,216.3 6,269.8 L I A B I L I T I E S 17 Deposits 3,750.0 3,847.8 3,848.9 3,874.2 3,909.2 3,946.4 3,980.2 4,022.3 3,986.3 4,030.7 4,070.0 4,104.3 18 Transaction 624.1 600.4 591.0 585.1 596.2 575.1 568.6 597.3 598.8 649.4 567.0 587.6 19 Nontransaction 3,125.9 3,247.4 3,257.9 3,289.0 3,313.1 3,371.3 3,411.6 3,425.0 3,387.5 3,381.3 3,503.1 3,516.7 20 Large time 574.1 547.2 548.9 544.0 561.0 568.8 572.0 579.2 577.7 582.3 581.3 579.4 21 Other 2,551.8 2,700.2 2,709.0 2,745.1 2,752.0 2,802.4 2,839.6 2,845.8 2,809.8 2,799.0 2,921.8 2,937.3 22 Borrowings 1,062.2 1,035.6 1,061.9 1,046.5 1,028.0 1,066.8 1,096.8 1,100.7 1,109.8 1,109.4 1,117.4 1,116.2 23 From banks in the U.S. 387.2 365.2 365.3 356.5 361.3 378.0 386.4 389.4 388.9 389.5 399.7 398.8 24 From others 674.9 670.4 696.6 690.1 666.7 688.8 710.4 711.3 720.9 719.8 717.7 717.4 25 Net due to related foreign offices 194.4 170.6 179.4 174.3 175.8 178.7 183.6 192.5 196.5 196.8 196.3 196.3 26 Other liabilities 295.9 246.0 263.7 285.4 303.3 321.4 334.4 332.8 320.8 346.2 348.0 362.5 27 TOTAL LIABILITIES 5,302.4 5,299.9 5,353.8 5,380.4 5,416.4 5,513.2 5,595.0 5,648.3 5,613.4 5,683.1 5,731.8 5,779.3 28 Residual (assets less liabilities) (8) 460.0 438.6 453.5 460.3 457.5 467.0 473.4 478.1 481.9 482.2 484.4 490.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 5 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,646.2 2,567.5 2,583.2 2,602.7 2,636.4 2,684.2 2,720.9 2,734.5 2,728.8 2,745.2 2,783.4 2,802.4 2 Securities in bank credit 644.8 645.4 664.1 683.6 713.3 736.6 745.5 743.3 741.6 761.2 780.7 792.9 3 Treasury and Agency securities (2) 366.0 383.7 390.5 400.2 410.9 427.5 432.0 435.3 448.3 446.0 457.4 449.1 3a Trading account 35.8 38.1 43.0 42.4 43.1 48.0 42.6 37.8 39.7 39.5 51.1 44.4 3b Investment account 330.2 345.5 347.6 357.8 367.9 379.5 389.4 397.5 408.6 406.5 406.3 404.7 4 Other securities 278.8 261.8 273.6 283.5 302.3 309.1 313.5 308.0 293.3 315.2 323.3 343.8 4a Trading account 165.7 128.2 140.5 148.3 168.8 174.5 172.7 161.5 147.7 168.8 175.0 190.6 4b Investment account 113.1 133.6 133.1 135.2 133.5 134.6 140.8 146.5 145.6 146.4 148.2 153.2 4c State and local government 26.8 27.2 26.9 27.3 28.3 28.0 28.4 28.7 28.9 28.7 28.7 29.1 4d Other 86.3 106.4 106.2 107.8 105.3 106.5 112.4 117.8 116.8 117.7 119.5 124.1 5 Loans and leases in bank credit (3) 2,001.4 1,922.0 1,919.1 1,919.1 1,923.1 1,947.6 1,975.5 1,991.2 1,987.1 1,984.0 2,002.7 2,009.5 6 Commercial and industrial 556.2 511.8 504.7 500.6 489.2 488.2 484.7 483.0 483.4 482.3 481.1 479.1 7 Real estate 853.9 848.4 849.7 862.9 883.0 902.0 922.9 942.3 939.6 946.2 960.2 971.7 8 Revolving home equity 95.7 108.8 112.4 116.8 121.6 124.5 126.8 129.5 129.5 130.0 130.4 131.0 9 Other 758.1 739.6 737.4 746.0 761.4 777.5 796.1 812.8 810.1 816.2 829.8 840.7 10 Consumer 245.8 247.0 246.8 242.6 243.3 248.8 254.3 255.3 254.5 256.2 255.4 255.0 11 Security (4) 70.9 75.7 81.5 76.6 78.8 77.5 77.8 77.0 77.5 67.4 70.9 71.9 11a Fed funds and RPs with broker/dealer 57.3 63.4 69.2 64.6 66.3 66.2 67.8 66.7 67.6 56.2 61.0 60.6 11b Other 13.6 12.3 12.3 12.0 12.5 11.3 10.0 10.3 9.9 11.2 9.9 11.3 12a State and local government 15.3 13.1 13.0 13.0 12.8 12.9 13.0 12.9 13.1 12.1 12.0 12.2 12b Agricultural 9.9 9.3 9.3 9.1 9.0 8.2 8.2 8.1 8.1 8.2 8.1 8.1 12c Fed funds and RPs with others 30.4 22.3 19.0 17.4 13.6 16.5 19.6 19.0 17.5 19.9 21.3 18.4 12d All other loans 82.6 65.2 67.3 70.1 67.2 67.5 69.2 69.4 69.2 68.0 70.3 70.0 12e Lease financing receivables 136.4 129.2 127.8 126.8 126.3 126.1 125.9 124.2 124.1 123.9 123.4 123.2 13 Interbank loans 175.7 159.7 169.7 161.8 163.4 174.8 180.3 180.0 182.1 174.2 183.5 176.8 13a Fed funds and RPs with banks 95.8 86.4 85.5 75.6 75.7 85.1 87.4 82.4 81.4 79.2 90.2 87.3 13b Other 79.8 73.3 84.2 86.2 87.7 89.7 92.8 97.6 100.7 94.9 93.3 89.5 14 Cash assets (5) 155.3 139.8 141.2 143.1 142.4 146.8 144.3 143.8 145.4 149.3 140.4 150.5 15 Other assets (6) 332.8 303.9 309.5 304.3 310.5 319.0 313.7 321.7 325.5 322.0 319.3 324.2 16 TOTAL ASSETS (7) 3,269.4 3,126.6 3,159.4 3,167.8 3,208.6 3,281.5 3,316.2 3,337.0 3,338.6 3,347.5 3,383.1 3,410.5 ------------------------------------------------- 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) November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,806.1 1,819.8 1,815.1 1,817.9 1,847.2 1,872.9 1,883.6 1,899.9 1,896.1 1,900.5 1,915.5 1,930.3 18 Transaction 326.1 289.8 291.3 286.9 292.4 282.6 268.5 287.1 301.0 315.0 266.7 274.6 19 Nontransaction 1,480.0 1,530.1 1,523.8 1,530.9 1,554.8 1,590.3 1,615.1 1,612.8 1,595.1 1,585.4 1,648.8 1,655.7 20 Large time 262.8 247.5 248.9 244.0 261.2 268.0 271.6 272.5 270.6 273.7 271.7 270.4 21 Other 1,217.2 1,282.6 1,274.9 1,286.9 1,293.6 1,322.3 1,343.5 1,340.3 1,324.5 1,311.7 1,377.1 1,385.3 22 Borrowings 690.1 648.2 667.0 657.1 643.6 677.9 673.2 668.8 674.8 672.6 681.4 685.1 23 From banks in the U.S. 222.2 193.1 194.1 187.9 191.2 200.9 206.5 205.3 200.5 208.6 213.6 216.9 24 From others 467.9 455.0 472.9 469.2 452.5 477.0 466.7 463.5 474.3 464.0 467.7 468.1 25 Net due to related foreign offices 183.9 167.6 168.1 163.9 171.2 171.2 175.5 179.5 182.4 179.5 180.6 180.7 26 Other liabilities 230.8 181.2 189.3 210.7 233.6 244.0 254.7 251.4 236.6 257.4 261.0 274.2 27 TOTAL LIABILITIES 2,910.9 2,816.8 2,839.5 2,849.5 2,895.6 2,966.0 2,986.9 2,999.6 2,989.8 3,010.0 3,038.5 3,070.2 28 Residual (assets less liabilities) (8) 358.4 309.8 319.9 318.2 313.0 315.5 329.2 337.4 348.8 337.5 344.7 340.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 7 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,643.9 2,567.1 2,583.2 2,602.9 2,621.1 2,670.9 2,715.4 2,733.2 2,721.6 2,749.6 2,795.1 2,808.9 2 Securities in bank credit 645.5 643.5 662.1 680.0 701.2 730.3 742.8 743.8 739.6 766.0 787.2 795.7 3 Treasury and Agency securities (2) 363.8 384.2 389.0 397.9 404.8 423.6 429.6 432.7 443.5 445.9 459.2 448.4 3a Trading account 35.5 38.2 42.8 42.2 42.4 47.6 42.4 37.6 39.2 39.5 51.3 44.3 3b Investment account 328.3 346.0 346.2 355.7 362.3 376.0 387.2 395.1 404.3 406.4 407.9 404.0 3c Mortgage-backed 261.5 268.1 272.1 277.5 287.3 304.5 308.0 312.9 324.2 327.5 328.0 323.2 3d Other 66.8 77.8 74.1 78.2 75.0 71.5 79.1 82.2 80.1 78.9 79.8 80.8 3e 1 year or less 16.7 18.4 16.1 14.9 18.7 17.4 19.9 21.9 22.5 21.9 22.4 22.8 3f Between 1 and 5 years 32.2 46.5 45.1 50.0 43.7 42.2 46.3 50.0 47.8 47.6 46.7 47.0 3g More than 5 years 17.9 12.9 12.9 13.3 12.7 11.8 12.9 10.4 9.8 9.4 10.8 11.0 4 Other securities 281.6 259.4 273.1 282.1 296.5 306.7 313.2 311.2 296.1 320.1 328.0 347.4 4a Trading account 167.4 127.0 140.2 147.5 165.5 173.1 172.6 163.2 149.1 171.4 177.6 192.6 4b Investment account 114.2 132.4 132.9 134.5 131.0 133.6 140.7 148.0 147.0 148.7 150.4 154.8 4c State and local government 27.1 27.0 26.9 27.2 27.7 27.8 28.4 29.0 29.2 29.1 29.1 29.4 4d Other 87.2 105.4 106.0 107.3 103.3 105.7 112.3 119.0 117.9 119.6 121.3 125.4 5 Loans and leases in bank credit (3) 1,998.5 1,923.6 1,921.0 1,922.9 1,919.9 1,940.6 1,972.6 1,989.4 1,982.0 1,983.6 2,007.9 2,013.2 6 Commercial and industrial 557.0 515.2 508.2 501.8 488.9 485.8 484.3 483.7 483.0 483.2 483.6 480.2 7 Real estate 852.8 847.2 853.2 864.8 883.2 902.5 923.3 941.2 936.7 944.7 962.5 974.7 8 Revolving home equity 95.8 108.4 112.9 117.3 121.9 124.9 127.3 129.5 129.4 130.0 130.5 131.1 9a Other residential 440.5 426.0 426.6 435.6 449.2 464.9 482.7 495.8 490.7 497.0 516.2 527.8 9b Commercial 316.6 312.8 313.7 311.9 312.1 312.7 313.3 315.9 316.6 317.6 315.7 315.8 10 Consumer 242.9 247.4 247.5 242.5 241.4 246.6 251.8 252.4 251.7 253.9 253.2 253.1 10a Credit card and related plans 75.8 74.2 74.2 71.9 70.7 73.4 75.7 74.6 74.0 75.5 73.6 73.2 10f Other 167.1 173.2 173.2 170.6 170.7 173.2 176.0 177.8 177.7 178.5 179.6 179.9 11 Security (4) 73.1 74.0 76.4 77.3 77.7 76.4 79.0 79.3 80.9 70.3 73.5 73.5 11a Fed funds and RPs with broker/dealer 59.0 62.0 64.9 65.2 65.4 65.2 68.9 68.7 70.6 58.6 63.2 61.9 11b Other 14.0 12.1 11.5 12.1 12.3 11.2 10.1 10.6 10.3 11.7 10.3 11.5 12a State and local government 15.3 13.1 13.0 13.0 12.8 12.9 13.0 12.9 13.1 12.1 12.0 12.2 12b Agricultural 9.9 9.2 9.3 9.3 9.2 8.3 8.2 8.0 8.0 8.1 8.1 8.1 12c Fed funds and RPs with others 29.3 22.3 19.0 17.4 13.6 16.5 19.6 19.0 17.5 19.9 21.3 18.4 12d All other loans 82.4 65.3 66.7 70.5 67.4 67.0 69.4 69.3 67.7 68.2 70.7 70.3 12e Lease financing receivables 135.7 129.8 127.8 126.4 125.6 124.8 124.0 123.6 123.3 123.3 123.1 122.9 13 Interbank loans 171.5 163.5 170.9 166.9 162.4 170.2 175.3 175.7 173.2 176.8 185.3 180.1 13a Fed funds and RPs with banks 93.5 88.5 86.1 77.9 75.3 82.9 85.1 80.4 77.4 80.4 91.1 88.9 13b Other 77.9 75.0 84.8 88.9 87.2 87.3 90.2 95.2 95.8 96.4 94.2 91.2 14 Cash assets (5) 155.8 142.4 140.7 139.0 137.0 137.8 141.5 144.7 135.6 150.7 139.0 159.1 15 Other assets (6) 332.0 304.5 309.1 303.8 310.4 316.8 315.7 321.0 318.5 322.8 324.6 327.4 16 TOTAL ASSETS (7) 3,263.1 3,133.6 3,159.6 3,168.3 3,187.0 3,252.2 3,304.6 3,331.9 3,306.3 3,357.1 3,400.7 3,432.1 ------------------------------------------------- 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) November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,802.3 1,827.3 1,809.6 1,816.4 1,839.1 1,856.5 1,874.9 1,896.9 1,871.4 1,898.0 1,925.7 1,947.0 18 Transaction 321.5 297.1 288.5 285.4 287.4 271.1 264.1 283.1 283.1 314.5 262.5 281.3 19 Nontransaction 1,480.8 1,530.2 1,521.2 1,531.0 1,551.7 1,585.4 1,610.8 1,613.8 1,588.3 1,583.5 1,663.2 1,665.6 20 Large time 264.0 245.8 247.1 243.3 259.1 266.3 269.0 273.7 272.0 276.3 275.9 273.9 21 Other 1,216.9 1,284.5 1,274.1 1,287.7 1,292.6 1,319.0 1,341.8 1,340.0 1,316.3 1,307.3 1,387.3 1,391.7 22 Borrowings 691.9 654.3 673.4 656.2 633.6 657.5 670.6 670.8 674.0 677.9 690.5 690.7 23 From banks in the U.S. 220.3 198.1 195.3 185.4 187.1 195.7 199.7 203.6 197.9 207.5 213.8 214.8 24 From others 471.6 456.2 478.1 470.7 446.4 461.9 470.9 467.2 476.1 470.4 476.7 475.9 25 Net due to related foreign offices 184.8 160.8 167.8 162.6 166.0 170.2 175.0 180.2 185.5 184.7 184.1 184.1 26 Other liabilities 231.7 174.5 188.8 209.1 227.2 242.5 254.2 252.2 239.9 264.3 266.0 279.1 27 TOTAL LIABILITIES 2,910.8 2,817.0 2,839.6 2,844.3 2,865.9 2,926.7 2,974.6 3,000.1 2,970.8 3,024.9 3,066.3 3,100.8 28 Residual (assets less liabilities) (8) 352.3 316.6 320.0 324.0 321.1 325.5 330.0 331.8 335.5 332.1 334.4 331.3 ------------------------------------------------- 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 November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,184.1 2,283.9 2,327.3 2,345.3 2,355.8 2,381.9 2,403.5 2,423.4 2,425.1 2,434.0 2,435.1 2,440.8 2 Securities in bank credit 594.3 630.8 644.4 647.3 647.8 653.4 657.1 661.0 659.6 664.1 665.6 666.2 3 Treasury and Agency securities (2) 380.1 415.0 432.3 437.3 436.7 441.9 449.1 452.9 451.1 456.4 457.2 457.0 4 Other securities 214.2 215.9 212.2 210.0 211.1 211.5 208.0 208.1 208.5 207.7 208.3 209.2 5 Loans and leases in bank credit (3) 1,589.9 1,653.0 1,682.9 1,698.0 1,708.0 1,728.5 1,746.4 1,762.4 1,765.4 1,769.9 1,769.6 1,774.6 6 Commercial and industrial 298.6 299.2 300.8 301.8 303.9 306.4 307.6 308.1 307.6 308.8 308.7 309.3 7 Real estate 880.3 928.1 950.1 959.1 969.9 981.7 994.6 1,007.3 1,008.4 1,014.1 1,015.0 1,018.0 8 Revolving home equity 55.0 63.3 67.4 69.5 71.7 73.4 74.4 75.8 76.0 76.3 76.6 76.5 9 Other 825.3 864.8 882.7 889.6 898.2 908.3 920.2 931.5 932.4 937.7 938.4 941.4 10 Consumer 305.3 320.9 324.3 328.0 323.9 328.6 331.1 332.1 333.5 332.4 330.6 332.1 11 Security (4) 7.8 7.2 7.3 7.6 7.8 8.1 8.3 8.4 8.5 8.4 8.1 8.0 12 Other loans and leases 97.9 97.6 100.4 101.5 102.5 103.8 104.9 106.4 107.5 106.3 107.2 107.2 13 Interbank loans 102.2 89.1 95.3 100.4 107.2 110.7 113.6 118.4 122.5 121.1 114.2 114.3 14 Cash assets (5) 108.1 113.8 115.6 118.8 120.9 123.4 124.4 126.1 130.2 126.2 123.9 119.0 15 Other assets (6) 130.1 147.4 147.9 146.4 146.1 152.3 155.5 154.4 151.8 154.0 160.0 181.0 16 TOTAL ASSETS (7) 2,494.7 2,603.4 2,655.0 2,679.7 2,698.9 2,736.7 2,765.0 2,789.7 2,796.9 2,802.6 2,800.8 2,822.5 L I A B I L I T I E S 17 Deposits 1,952.0 2,007.5 2,045.9 2,066.7 2,082.3 2,106.0 2,116.7 2,130.1 2,132.3 2,140.1 2,135.4 2,147.9 18 Transaction 303.9 301.6 307.3 300.9 311.2 307.7 306.4 315.5 325.1 335.7 302.6 302.7 19 Nontransaction 1,648.2 1,705.9 1,738.6 1,765.8 1,771.1 1,798.3 1,810.3 1,814.6 1,807.2 1,804.4 1,832.8 1,845.3 20 Large time 310.1 301.4 301.8 300.7 302.0 302.5 303.0 305.5 305.7 306.1 305.4 305.6 21 Other 1,338.0 1,404.5 1,436.8 1,465.1 1,469.1 1,495.8 1,507.2 1,509.1 1,501.5 1,498.3 1,527.4 1,539.7 22 Borrowings 370.2 381.2 388.4 390.4 394.5 409.3 426.2 429.9 435.8 431.4 426.9 425.6 23 From banks in the U.S. 166.9 167.1 169.9 171.0 174.2 182.3 186.7 185.9 190.9 182.0 185.9 184.1 24 From others 203.3 214.1 218.5 219.3 220.2 226.9 239.4 244.0 244.8 249.4 241.0 241.5 25 Net due to related foreign offices 9.6 9.7 11.6 11.7 9.8 8.5 8.6 12.3 11.0 12.2 12.2 12.2 26 Other liabilities 64.2 71.5 74.9 76.3 76.1 78.9 80.3 80.6 80.9 81.9 82.0 83.4 27 TOTAL LIABILITIES 2,396.0 2,470.0 2,520.8 2,545.0 2,562.7 2,602.6 2,631.7 2,652.9 2,659.9 2,665.6 2,656.6 2,669.1 28 Residual (assets less liabilities) (8) 98.7 133.4 134.2 134.7 136.2 134.1 133.2 136.8 137.0 137.0 144.2 153.4 ------------------------------------------------- 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 November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,189.1 2,281.0 2,325.2 2,342.7 2,350.5 2,378.9 2,405.6 2,428.8 2,430.9 2,441.2 2,441.4 2,446.6 2 Securities in bank credit 593.3 632.1 643.6 646.8 645.7 651.1 656.0 659.8 658.4 663.5 664.8 665.9 3 Treasury and Agency securities (2) 379.1 416.2 431.5 436.8 434.5 439.5 448.0 451.7 449.9 455.8 456.5 456.6 4 Other securities 214.2 215.9 212.2 210.0 211.1 211.5 208.0 208.1 208.5 207.7 208.3 209.2 5 Loans and leases in bank credit (3) 1,595.8 1,648.9 1,681.5 1,695.8 1,704.8 1,727.9 1,749.5 1,769.0 1,772.4 1,777.7 1,776.6 1,780.7 6 Commercial and industrial 298.5 301.1 303.2 303.9 304.4 304.8 305.9 308.0 307.8 308.7 308.4 308.3 7 Real estate 883.1 926.1 949.3 958.2 969.0 982.4 996.3 1,010.6 1,011.9 1,018.0 1,018.7 1,021.8 8 Revolving home equity 55.4 63.1 67.2 69.3 71.2 73.2 74.9 76.4 76.6 77.0 77.2 77.3 9 Other 827.7 863.0 882.1 888.9 897.8 909.2 921.4 934.2 935.3 941.0 941.5 944.5 10 Consumer 308.6 317.1 321.8 324.0 319.9 327.3 333.1 335.7 338.3 336.9 333.5 335.3 10a Credit card and related plans 140.5 149.3 148.6 149.2 144.7 151.1 155.6 157.7 160.2 158.6 155.0 156.8 10h Other 168.1 167.7 173.2 174.9 175.2 176.2 177.5 178.0 178.1 178.4 178.5 178.5 11 Security (4) 7.7 7.4 7.1 7.4 7.7 8.0 8.1 8.3 8.2 8.4 8.7 8.4 12 Other loans and leases 97.9 97.3 100.1 102.2 103.8 105.3 106.1 106.4 106.3 105.7 107.4 107.0 13 Interbank loans 101.4 95.1 90.7 97.4 102.3 108.9 110.9 117.4 116.7 118.5 122.4 117.3 14 Cash assets (5) 108.5 112.2 115.0 117.2 119.0 119.6 124.0 126.6 122.4 127.2 124.2 125.3 15 Other assets (6) 130.1 147.4 147.9 146.4 146.1 152.3 155.5 154.4 151.8 154.0 160.0 181.0 16 TOTAL ASSETS (7) 2,499.3 2,604.9 2,647.6 2,672.4 2,686.8 2,728.1 2,763.8 2,794.6 2,789.0 2,808.3 2,815.6 2,837.7 L I A B I L I T I E S 17 Deposits 1,947.7 2,020.5 2,039.2 2,057.8 2,070.1 2,089.9 2,105.3 2,125.4 2,114.9 2,132.7 2,144.4 2,157.3 18 Transaction 302.6 303.3 302.5 299.7 308.8 304.0 304.5 314.2 315.7 334.9 304.5 306.2 19 Nontransaction 1,645.1 1,717.2 1,736.7 1,758.0 1,761.4 1,785.9 1,800.8 1,811.2 1,799.2 1,797.8 1,839.9 1,851.1 20 Large time 310.1 301.4 301.8 300.7 302.0 302.5 303.0 305.5 305.7 306.1 305.4 305.6 21 Other 1,334.9 1,415.8 1,434.9 1,457.4 1,459.4 1,483.4 1,497.8 1,505.7 1,493.6 1,491.7 1,534.5 1,545.5 22 Borrowings 370.2 381.2 388.4 390.4 394.5 409.3 426.2 429.9 435.8 431.4 426.9 425.6 23 From banks in the U.S. 166.9 167.1 169.9 171.0 174.2 182.3 186.7 185.9 190.9 182.0 185.9 184.1 24 From others 203.3 214.1 218.5 219.3 220.2 226.9 239.4 244.0 244.8 249.4 241.0 241.5 25 Net due to related foreign offices 9.6 9.7 11.6 11.7 9.8 8.5 8.6 12.3 11.0 12.2 12.2 12.2 26 Other liabilities 64.2 71.5 74.9 76.3 76.1 78.9 80.3 80.6 80.9 81.9 82.0 83.4 27 TOTAL LIABILITIES 2,391.6 2,482.9 2,514.2 2,536.1 2,550.5 2,586.5 2,620.4 2,648.2 2,642.6 2,658.2 2,665.6 2,678.5 28 Residual (assets less liabilities) (8) 107.7 122.0 133.4 136.3 136.3 141.5 143.5 146.4 146.4 150.1 150.0 159.2 ------------------------------------------------- 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 November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 592.6 598.1 597.2 605.6 608.9 617.8 616.3 610.7 611.6 608.8 623.1 637.3 2 Securities in bank credit 231.7 225.4 228.4 234.9 236.2 246.3 244.0 239.5 234.8 238.7 250.9 260.0 3 Treasury and Agency securities (2) 78.9 70.9 72.4 74.9 75.0 81.4 86.6 87.6 85.5 88.9 93.7 96.8 4 Other securities 152.9 154.5 156.0 160.0 161.2 164.8 157.4 151.9 149.3 149.9 157.2 163.2 5 Loans and leases in bank credit (3) 360.9 372.7 368.8 370.7 372.7 371.6 372.2 371.2 376.8 370.1 372.1 377.4 6 Commercial and industrial 196.8 198.0 198.7 194.6 190.5 189.2 184.6 181.0 182.3 180.2 181.3 181.1 7 Real estate 18.8 19.4 19.4 19.6 19.8 19.8 19.9 20.5 20.6 21.1 21.3 21.5 11 Security (4) 75.4 84.1 79.9 85.0 89.7 90.2 94.7 96.4 100.4 96.3 98.3 102.8 12 Other loans and leases 69.8 71.2 70.8 71.5 72.7 72.4 72.9 73.3 73.6 72.5 71.2 72.0 13 Interbank loans 23.7 21.9 23.4 20.2 17.3 18.1 21.1 24.6 25.4 29.5 24.5 27.4 14 Cash assets (5) 39.0 46.5 45.1 45.3 44.9 44.7 43.5 42.7 42.0 42.2 40.4 39.5 15 Other assets (6) 33.0 30.9 30.6 32.8 33.7 33.4 32.1 35.8 34.7 38.8 40.9 40.6 16 TOTAL ASSETS (7) 687.8 697.0 695.9 703.5 704.4 713.7 712.6 713.4 713.3 719.0 728.5 744.5 L I A B I L I T I E S 17 Deposits 423.4 506.9 507.6 508.3 503.7 497.1 485.6 463.5 459.5 457.3 443.0 445.4 18 Transaction 10.9 10.6 10.9 10.9 10.6 10.9 11.0 10.6 10.1 9.7 10.5 10.5 19 Nontransaction 412.6 496.3 496.7 497.3 493.1 486.2 474.6 452.8 449.4 447.6 432.6 434.9 22 Borrowings 205.9 190.6 190.1 193.8 203.1 214.7 223.6 228.7 220.9 236.6 248.3 253.5 23 From banks in the U.S. 23.4 22.3 21.1 21.4 21.2 22.4 23.8 24.1 21.8 24.0 26.2 21.6 24 From others 182.5 168.3 169.1 172.4 181.9 192.3 199.8 204.5 199.1 212.7 222.1 231.9 25 Net due to related foreign offices -15.3 -73.6 -87.6 -84.7 -90.5 -88.9 -84.5 -69.3 -55.1 -68.9 -54.6 -57.1 26 Other liabilities 78.4 68.0 72.6 81.7 87.5 93.4 89.8 95.6 91.6 99.3 101.6 104.1 27 TOTAL LIABILITIES 692.4 691.8 682.7 699.1 703.7 716.3 714.4 718.4 716.9 724.4 738.4 745.9 28 Residual (assets less liabilities) (8) -4.5 5.2 13.2 4.5 0.6 -2.6 -1.8 -5.0 -3.5 -5.4 -9.9 -1.5 ------------------------------------------------- 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 November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 592.7 598.1 593.2 602.6 602.8 611.7 612.9 610.7 611.0 613.8 629.1 641.6 2 Securities in bank credit (2) 231.7 225.4 228.4 234.9 236.2 246.3 244.0 239.5 234.8 238.7 250.9 260.0 3 Treasury and Agency securities 78.9 70.9 72.4 74.9 75.0 81.4 86.6 87.6 85.5 88.9 93.7 96.8 3a Trading account 15.7 9.3 10.0 10.4 10.5 12.8 14.3 14.7 14.1 14.3 19.7 20.8 3b Investment account 63.1 61.7 62.3 64.5 64.5 68.6 72.3 72.9 71.4 74.6 74.0 76.1 4 Other securities 152.9 154.5 156.0 160.0 161.2 164.8 157.4 151.9 149.3 149.9 157.2 163.2 4a Trading account 104.0 96.3 98.5 102.7 106.8 108.8 103.0 98.5 95.9 96.6 102.6 107.4 4b Investment account 48.9 58.1 57.6 57.3 54.4 56.0 54.4 53.5 53.4 53.2 54.6 55.7 5 Loans and leases in bank credit (3) 360.9 372.7 364.8 367.7 366.7 365.4 368.9 371.2 376.2 375.1 378.2 381.6 6 Commercial and industrial 197.6 196.8 196.4 193.5 189.2 187.6 184.6 181.6 182.6 181.9 183.2 182.5 7 Real estate 18.8 19.4 19.4 19.6 19.8 19.8 19.9 20.5 20.6 21.1 21.3 21.5 11 Security (4) 75.5 84.7 78.7 83.4 86.3 86.9 91.9 96.5 100.5 100.0 102.6 105.9 12 Other loans and leases 69.0 71.9 70.4 71.2 71.4 71.1 72.5 72.5 72.6 72.0 71.1 71.9 13 Interbank loans 23.7 21.9 23.4 20.2 17.3 18.1 21.1 24.6 25.4 29.5 24.5 27.4 14 Cash assets (5) 39.8 44.6 43.6 43.3 43.1 43.3 43.5 43.6 43.0 44.2 42.2 42.2 15 Other assets (6) 32.4 30.7 30.7 31.4 32.4 32.9 32.7 35.2 33.7 37.7 40.3 39.9 16 TOTAL ASSETS (7) 688.2 694.9 690.5 697.1 695.2 705.6 709.9 713.7 712.7 724.7 735.8 750.9 L I A B I L I T I E S 17 Deposits 416.8 510.7 512.7 506.4 494.6 482.6 473.6 456.1 453.4 453.6 441.9 448.0 18 Transaction 11.0 10.1 10.5 10.6 10.6 10.6 11.1 10.8 10.2 10.1 10.6 10.7 19 Nontransaction 405.8 500.6 502.2 495.8 484.1 472.0 462.4 445.4 443.2 443.4 431.3 437.3 22 Borrowings 205.9 190.6 190.1 193.8 203.1 214.7 223.6 228.7 220.9 236.6 248.3 253.5 23 From banks in the U.S. 23.4 22.3 21.1 21.4 21.2 22.4 23.8 24.1 21.8 24.0 26.2 21.6 24 From others 182.5 168.3 169.1 172.4 181.9 192.3 199.8 204.5 199.1 212.7 222.1 231.9 25 Net due to related foreign offices -16.8 -75.5 -87.7 -87.3 -94.4 -90.8 -83.5 -70.6 -56.5 -69.1 -58.3 -58.3 26 Other liabilities 77.7 67.3 72.5 80.4 85.3 92.2 90.3 94.8 90.8 99.2 99.2 103.3 27 TOTAL LIABILITIES 683.6 693.1 687.7 693.3 688.6 698.7 704.0 709.0 708.5 720.2 731.2 746.5 28 Residual (assets less liabilities) (8) 4.5 1.8 2.8 3.9 6.6 6.9 5.9 4.6 4.1 4.5 4.6 4.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars November 22, 2002 Account 2001 2002 2002 2002 2002 2002 2002 2002 Week ending Oct Apr May Jun Jul Aug Sep Oct Oct 23 Oct 30 Nov 6 Nov 13 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 103.6 73.3 80.8 92.9 105.8 112.3 119.1 110.9 95.7 115.8 119.2 130.2 30 Reval. losses on off-bal. sheet items (9) 86.0 57.5 61.7 75.2 89.2 93.7 100.0 93.7 80.0 99.1 104.0 115.0 31 Mortgage-backed securities (10) 284.0 302.2 306.3 312.7 320.1 338.2 343.6 354.9 365.9 371.1 373.1 369.5 31a Pass-through 215.3 203.3 210.5 224.6 236.3 253.4 254.7 261.3 274.9 276.0 277.0 273.4 31b CMO, REMIC, and other 68.7 98.9 95.8 88.1 83.7 84.8 88.9 93.6 91.0 95.1 96.1 96.1 32 Net unrealized gains (losses) on available-for-sale securities (11) 9.2 1.4 4.3 6.6 8.6 9.7 12.4 12.9 12.0 13.1 12.1 12.9 33 Offshore credit to U.S. residents (12) 20.0 19.7 19.6 19.6 19.1 19.0 19.0 18.4 18.4 18.5 18.3 18.3 34 Securitized consumer loans (13) 101.9 98.5 98.6 102.6 106.4 104.6 103.8 105.2 105.4 105.9 106.8 107.3 34a Credit card and related plans 91.4 86.6 87.2 90.5 91.3 89.5 89.1 90.9 91.3 91.2 92.2 92.8 34b Other 10.5 11.9 11.5 12.2 15.1 15.1 14.7 14.3 14.1 14.7 14.6 14.5 35 Securitized business loans (13) 21.1 17.1 16.7 16.6 17.0 17.7 17.6 17.4 17.4 17.1 17.2 17.2 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 257.1 287.9 302.4 305.3 305.0 307.1 312.8 315.4 313.3 318.6 318.6 318.3 34 Securitized consumer loans (13) 238.0 243.9 244.5 244.3 239.8 238.1 235.8 234.8 233.9 235.7 236.9 237.5 34a Credit card and related plans 229.6 235.9 237.0 237.3 236.2 235.0 232.7 231.6 230.6 232.4 233.7 234.3 34b Other 8.4 7.9 7.6 7.0 3.6 3.1 3.0 3.3 3.3 3.3 3.2 3.2 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 62.6 46.3 49.8 54.8 60.7 64.9 62.2 59.6 56.8 59.2 64.7 70.3 30 Reval. losses on off-bal. sheet items (9) 54.4 39.9 42.8 49.3 57.6 65.3 62.0 59.4 56.1 58.3 62.4 67.2 35 Securitized business loans (13) 13.5 11.3 10.5 9.9 9.4 9.1 8.1 7.7 7.7 7.6 7.5 7.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 November 22, 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: Large domestically chartered commercial banks acquired $1.4 billion in assets and liabilities of nonbank institutions in the week ending November 13, 2002. The major asset items affected were (in billions): cash assets, $0.1; real estate loans, commercial, $0.2; real estate loans, other $1.1; and other assets, $0.1. The major liability items affected were: transaction deposits, $0.1; nontransaction deposits, other, $1.0; and residual (assets less liabilities), $0.3. Memo item affected was large time deposits, $0.2.