Federal Reserve Statistical Release, H.8, Assets and Liabilities of Commercial Banks in the United States; title with eagle logo links to Statistical Release home page
Release Date: January 24, 2003
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H.8 (510)
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)                                                                              For use at 4:15 p.m. Eastern Time



Seasonally adjusted, billions of dollars                                                                                                                          January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,451.0   5,540.7   5,591.4   5,673.0   5,730.3   5,759.6   5,837.1   5,885.6       5,912.7   5,848.7   5,892.2   5,893.9

  2     Securities in bank credit                        1,496.8   1,562.5   1,594.6   1,632.9   1,643.5   1,643.0   1,687.9   1,714.3       1,725.4   1,739.3   1,732.5   1,729.2
  3        Treasury and Agency securities (2)              855.9     908.9     918.5     945.9     962.7     972.1   1,001.0   1,011.9       1,009.9   1,019.2   1,032.6   1,032.7
  4        Other securities                                640.9     653.6     676.1     687.0     680.8     670.9     686.8     702.4         715.5     720.1     699.9     696.5

  5     Loans and leases in bank credit (3)              3,954.2   3,978.2   3,996.7   4,040.1   4,086.8   4,116.6   4,149.3   4,171.3       4,187.3   4,109.4   4,159.7   4,164.7
  6        Commercial and industrial                     1,031.0     993.1     981.6     981.8     975.1     969.9     967.3     965.0         966.2     957.2     961.4     961.3
  7        Real estate                                   1,784.5   1,838.4   1,869.2   1,900.7   1,935.1   1,967.4   2,000.0   2,020.3       2,016.9   2,018.0   2,035.5   2,032.1
  8          Revolving home equity                         155.5     186.1     192.9     197.7     200.9     204.9     207.7     212.3         212.8     214.3     213.2     216.5
  9          Other                                       1,628.9   1,652.4   1,676.3   1,703.0   1,734.1   1,762.6   1,792.2   1,808.0       1,804.1   1,803.7   1,822.3   1,815.6
  10       Consumer                                        557.8     568.7     564.7     574.8     582.8     584.8     585.6     587.1         588.0     585.0     590.3     591.2
  11       Security (4)                                    146.8     170.2     178.0     176.6     181.3     183.2     186.7     191.6         202.6     156.3     173.5     176.8
  12       Other loans and leases                          434.1     407.7     403.2     406.3     412.6     411.3     409.7     407.4         413.6     392.9     398.9     403.2

  13  Interbank loans                                      293.1     282.4     288.6     305.6     318.3     326.8     328.3     331.4         346.2     322.4     296.7     314.6

  14  Cash assets (5)                                      297.5     306.7     309.4     318.1     317.2     318.7     315.1     317.5         333.1     301.4     314.3     295.2

  15  Other assets (6)                                     486.3     475.6     484.0     499.5     498.7     512.1     518.0     518.0         517.3     523.7     523.5     514.4

  16  TOTAL ASSETS (7)                                   6,454.5   6,529.8   6,598.1   6,721.2   6,789.4   6,841.8   6,922.8   6,976.7       7,033.3   6,921.2   6,949.5   6,941.3

            L I A B I L I T I E S

  17  Deposits                                           4,239.8   4,377.4   4,414.0   4,460.5   4,473.4   4,482.9   4,500.1   4,483.8       4,508.9   4,467.6   4,474.1   4,520.1
  18    Transaction                                        640.9     597.4     612.2     599.1     584.0     611.4     606.2     613.8         650.0     627.9     567.8     578.4
  19    Nontransaction                                   3,598.9   3,780.0   3,801.8   3,861.4   3,889.4   3,871.5   3,893.9   3,870.0       3,858.9   3,839.6   3,906.3   3,941.7
  20       Large time                                      981.2   1,036.1   1,048.1   1,049.2   1,043.2   1,020.0   1,002.5     978.5         979.3     956.2     975.3     984.7
  21       Other                                         2,617.8   2,743.9   2,753.7   2,812.2   2,846.2   2,851.5   2,891.4   2,891.5       2,879.6   2,883.4   2,930.9   2,957.0

  22  Borrowings                                         1,245.5   1,232.3   1,231.7   1,292.7   1,322.2   1,332.7   1,364.6   1,396.9       1,410.5   1,368.4   1,334.0   1,366.7
  23    From banks in the U.S.                             403.0     380.3     386.2     405.1     416.5     415.5     421.3     416.4         416.3     411.6     375.7     385.1
  24    From others                                        842.5     852.0     845.5     887.6     905.8     917.2     943.3     980.5         994.1     956.8     958.3     981.6

  25  Net due to related foreign offices                   150.1      89.6      99.2      94.1     100.3     119.5     122.5     150.6         146.7     149.2     170.7     161.8

  26  Other liabilities                                    360.8     378.4     408.0     430.4     435.4     440.1     444.4     453.4         466.3     460.5     472.9     401.0

  27  TOTAL LIABILITIES                                  5,996.3   6,077.7   6,152.9   6,277.7   6,331.4   6,375.1   6,431.5   6,484.7       6,532.4   6,445.6   6,451.7   6,449.6

  28  Residual (assets less liabilities) (8)               458.2     452.1     445.1     443.5     458.0     466.6     491.3     492.0         500.9     475.6     497.8     491.7



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 2
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                      January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,483.8   5,535.2   5,564.7   5,650.6   5,723.4   5,763.6   5,853.7   5,922.4       5,950.7   5,900.1   5,917.3   5,922.5

  2     Securities in bank credit                        1,504.1   1,558.4   1,580.5   1,624.3   1,639.7   1,642.3   1,692.1   1,723.3       1,729.9   1,752.4   1,747.7   1,738.8
  3        Treasury and Agency securities (2)              860.7     906.1     910.2     939.6     959.2     968.3   1,001.9   1,017.6       1,013.0   1,024.0   1,039.8   1,039.0
  4        Other securities                                643.4     652.3     670.3     684.7     680.5     674.0     690.2     705.7         717.0     728.4     707.9     699.8

  5     Loans and leases in bank credit (3)              3,979.6   3,976.8   3,984.2   4,026.3   4,083.7   4,121.3   4,161.6   4,199.2       4,220.8   4,147.7   4,169.6   4,183.7
  6        Commercial and industrial                     1,030.7     995.3     980.6     976.3     973.0     971.2     968.6     964.8         968.4     961.9     958.2     956.7
  7        Real estate                                   1,788.8   1,839.4   1,868.5   1,901.8   1,937.2   1,969.6   2,005.0   2,025.1       2,022.2   2,021.5   2,034.4   2,034.1
  8          Revolving home equity                         155.7     186.3     192.7     197.8     201.9     205.5     208.5     212.5         213.0     214.0     212.7     216.1
  9          Other                                       1,633.1   1,653.1   1,675.8   1,704.0   1,735.2   1,764.1   1,796.5   1,812.6       1,809.3   1,807.5   1,821.7   1,818.0
  10       Consumer                                        567.3     564.6     558.8     571.3     582.3     585.4     588.2     597.1         602.8     597.1     599.7     600.3
  10a        Credit card and related plans                 232.0     221.0     215.3     224.4     231.2     232.2     232.0     239.2         243.8     238.2     238.5     237.1
  10b        Other                                         335.3     343.5     343.5     346.9     351.1     353.2     356.2     357.9         359.0     358.9     361.2     363.2
  11       Security (4)                                    153.2     169.2     173.3     172.1     179.5     185.5     190.3     200.5         209.1     163.8     175.1     186.9
  12       Other loans and leases                          439.6     408.3     402.9     404.9     411.8     409.6     409.5     411.7         418.2     403.4     402.3     405.8

  13  Interbank loans                                      299.4     284.5     282.8     299.2     310.5     321.5     332.2     338.4         341.3     331.1     299.8     318.0

  14  Cash assets (5)                                      317.3     299.0     300.2     303.8     314.1     321.0     325.0     338.0         348.9     356.7     322.2     322.7

  15  Other assets (6)                                     489.4     473.9     482.8     496.8     501.2     510.8     519.2     521.4         519.2     533.4     527.7     518.8

  16  TOTAL ASSETS (7)                                   6,516.3   6,516.9   6,555.3   6,675.2   6,773.9   6,841.8   6,954.3   7,044.4       7,084.0   7,046.7   6,990.0   7,005.4

            L I A B I L I T I E S

  17  Deposits                                           4,290.4   4,365.2   4,384.9   4,413.7   4,441.4   4,467.7   4,519.9   4,533.5       4,545.4   4,557.2   4,515.4   4,567.0
  18    Transaction                                        669.5     594.4     604.7     583.8     577.9     606.2     611.8     641.4         676.8     699.9     582.7     607.1
  19    Nontransaction                                   3,620.9   3,770.8   3,780.1   3,829.9   3,863.6   3,861.5   3,908.2   3,892.1       3,868.6   3,857.4   3,932.7   3,959.9
  20       Large time                                      995.5   1,033.8   1,037.1   1,033.5   1,028.7   1,013.8   1,009.5     992.4         995.5     968.2     988.1     997.3
  21       Other                                         2,625.4   2,737.0   2,743.0   2,796.4   2,834.9   2,847.7   2,898.7   2,899.7       2,873.2   2,889.2   2,944.6   2,962.6

  22  Borrowings                                         1,245.4   1,231.3   1,221.7   1,272.6   1,319.6   1,334.6   1,367.7   1,396.5       1,408.4   1,374.0   1,339.9   1,382.6
  23    From banks in the U.S.                             404.6     377.8     382.2     399.9     409.6     413.8     418.5     417.9         418.0     415.4     379.4     390.5
  24    From others                                        840.8     853.6     839.6     872.7     910.0     920.9     949.2     978.6         990.4     958.6     960.5     992.1

  25  Net due to related foreign offices                   156.9      85.7      90.0      91.1     100.9     118.9     126.1     157.0         157.1     158.3     175.1     168.6

  26  Other liabilities                                    366.4     375.5     399.1     427.6     435.5     440.2     450.0     460.5         477.3     469.5     477.6     407.2

  27  TOTAL LIABILITIES                                  6,059.1   6,057.7   6,095.7   6,205.0   6,297.5   6,361.4   6,463.8   6,547.6       6,588.2   6,559.1   6,508.0   6,525.5

  28  Residual (assets less liabilities) (8)               457.2     459.3     459.6     470.2     476.4     480.4     490.5     496.8         495.8     487.6     482.1     479.9





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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                          January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,854.8   4,935.1   4,977.2   5,052.2   5,111.7   5,145.6   5,216.4   5,250.9       5,270.1   5,241.0   5,266.0   5,274.1

  2     Securities in bank credit                        1,255.2   1,324.2   1,353.4   1,383.0   1,396.0   1,398.0   1,439.0   1,450.5       1,457.9   1,472.9   1,467.2   1,466.4
  3        Treasury and Agency securities (2)              773.7     832.8     842.1     864.1     876.0     883.3     908.2     910.7         908.5     919.0     931.2     930.3
  4        Other securities                                481.5     491.5     511.4     518.9     520.0     514.7     530.8     539.7         549.4     554.0     536.0     536.1

  5     Loans and leases in bank credit (3)              3,599.6   3,610.9   3,623.7   3,669.3   3,715.7   3,747.5   3,777.4   3,800.4       3,812.2   3,768.1   3,798.8   3,807.7
  6        Commercial and industrial                       835.7     800.0     790.4     791.9     789.6     788.5     788.2     786.8         788.0     783.8     786.1     786.0
  7        Real estate                                   1,766.7   1,820.0   1,850.4   1,881.8   1,916.0   1,947.9   1,980.1   2,000.9       1,997.5   1,998.9   2,016.5   2,013.1
  8          Revolving home equity                         155.5     186.1     192.9     197.7     200.9     204.9     207.7     212.3         212.8     214.3     213.2     216.5
  9          Other                                       1,611.2   1,633.9   1,657.5   1,684.2   1,715.1   1,743.0   1,772.4   1,788.6       1,784.7   1,784.7   1,803.3   1,796.6
  10       Consumer                                        557.8     568.7     564.7     574.8     582.8     584.8     585.6     587.1         588.0     585.0     590.3     591.2
  11       Security (4)                                     71.9      84.7      87.2      86.2      86.7      86.0      81.5      81.4          86.6      67.4      68.1      73.9
  12       Other loans and leases                          367.4     337.5     331.1     334.7     340.6     340.3     342.0     344.2         352.0     332.9     337.7     343.6

  13  Interbank loans                                      272.5     262.2     271.1     287.1     296.6     301.9     301.8     299.7         313.3     293.2     267.2     282.6

  14  Cash assets (5)                                      258.2     261.2     263.4     271.6     271.2     273.3     274.1     275.0         289.2     262.6     274.2     256.0

  15  Other assets (6)                                     456.8     447.8     454.5     470.5     470.2     477.0     479.9     476.2         475.3     478.7     478.5     467.2

  16  TOTAL ASSETS (7)                                   5,769.3   5,831.0   5,891.3   6,006.9   6,075.1   6,122.7   6,196.8   6,226.3       6,272.3   6,200.9   6,209.2   6,203.4

            L I A B I L I T I E S

  17  Deposits                                           3,799.3   3,872.2   3,915.2   3,965.5   3,987.4   4,016.5   4,051.6   4,060.1       4,090.1   4,061.8   4,053.1   4,088.7
  18    Transaction                                        629.7     587.1     602.3     589.1     573.9     601.6     596.7     604.3         640.6     617.3     558.3     568.5
  19    Nontransaction                                   3,169.6   3,285.1   3,312.8   3,376.4   3,413.5   3,414.9   3,454.9   3,455.7       3,449.5   3,444.5   3,494.8   3,520.2
  20       Large time                                      554.3     543.8     562.3     569.9     573.3     571.3     571.8     570.8         575.1     568.5     572.4     581.3
  21       Other                                         2,615.3   2,741.3   2,750.5   2,806.5   2,840.2   2,843.6   2,883.1   2,885.0       2,874.4   2,876.1   2,922.4   2,938.9

  22  Borrowings                                         1,047.1   1,039.4   1,030.4   1,078.9   1,098.2   1,099.1   1,110.0   1,113.4       1,116.0   1,090.8   1,058.1   1,087.4
  23    From banks in the U.S.                             379.1     358.9     365.4     383.5     393.8     392.4     395.7     386.6         384.2     379.5     346.8     353.7
  24    From others                                        668.1     680.4     665.0     695.4     704.5     706.7     714.3     726.8         731.8     711.3     711.3     733.8

  25  Net due to related foreign offices                   192.5     175.7     181.0     179.7     184.1     191.9     196.8     211.4         208.4     218.8     235.5     233.2

  26  Other liabilities                                    278.8     292.9     317.1     333.6     342.7     340.2     345.3     353.5         369.1     360.3     371.4     302.7

  27  TOTAL LIABILITIES                                  5,317.7   5,380.2   5,443.7   5,557.7   5,612.4   5,647.7   5,703.7   5,738.3       5,783.7   5,731.7   5,718.2   5,712.1

  28  Residual (assets less liabilities) (8)               451.6     450.8     447.7     449.2     462.7     475.1     493.1     488.0         488.7     469.2     491.0     491.3



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                      January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        4,880.1   4,932.6   4,956.6   5,036.0   5,108.2   5,149.6   5,230.2   5,278.7       5,299.0   5,278.9   5,286.9   5,292.7

  2     Securities in bank credit                        1,262.5   1,320.1   1,339.3   1,374.3   1,392.3   1,397.3   1,443.2   1,459.5       1,462.4   1,486.0   1,482.3   1,475.9
  3        Treasury and Agency securities (2)              778.6     830.0     833.8     857.8     872.5     879.5     909.0     916.4         911.5     923.7     938.4     936.5
  4        Other securities                                484.0     490.1     505.5     516.5     519.8     517.9     534.2     543.0         550.9     562.3     544.0     539.4

  5     Loans and leases in bank credit (3)              3,617.5   3,612.5   3,617.3   3,661.7   3,715.9   3,752.3   3,787.0   3,819.2       3,836.6   3,792.9   3,804.5   3,816.7
  6        Commercial and industrial                       833.8     803.4     790.7     788.0     787.6     789.2     788.0     785.1         787.6     785.3     781.8     780.6
  7        Real estate                                   1,771.1   1,821.0   1,849.8   1,883.0   1,918.1   1,950.0   1,985.2   2,005.8       2,002.9   2,002.5   2,015.4   2,015.0
  8          Revolving home equity                         155.7     186.3     192.7     197.8     201.9     205.5     208.5     212.5         213.0     214.0     212.7     216.1
  9          Other                                       1,615.4   1,634.7   1,657.0   1,685.2   1,716.2   1,744.6   1,776.7   1,793.2       1,789.9   1,788.4   1,802.7   1,798.9
  10       Consumer                                        567.3     564.6     558.8     571.3     582.3     585.4     588.2     597.1         602.8     597.1     599.7     600.3
  10a        Credit card and related plans                 232.0     221.0     215.3     224.4     231.2     232.2     232.0     239.2         243.8     238.2     238.5     237.1
  10d        Other                                         335.3     343.5     343.5     346.9     351.1     353.2     356.2     357.9         359.0     358.9     361.2     363.2
  11       Security (4)                                     74.3      85.2      85.9      85.0      87.7      88.3      83.9      84.4          88.9      67.2      67.7      75.6
  12       Other loans and leases                          371.0     338.4     332.1     334.5     340.2     339.4     341.7     346.8         354.4     340.8     340.0     345.2

  13  Interbank loans                                      278.8     264.3     265.3     280.7     288.8     296.5     305.6     306.6         308.4     302.0     270.3     286.0

  14  Cash assets (5)                                      275.5     255.5     256.1     258.7     268.0     274.7     281.6     292.9         301.9     315.2     280.1     281.0

  15  Other assets (6)                                     459.2     447.2     454.4     468.3     472.2     476.3     481.3     478.5         476.4     487.6     481.3     469.9

  16  TOTAL ASSETS (7)                                   5,820.4   5,824.4   5,857.6   5,968.9   6,062.3   6,122.5   6,223.3   6,281.2       6,310.1   6,309.3   6,241.9   6,253.4

            L I A B I L I T I E S

  17  Deposits                                           3,837.6   3,861.8   3,895.0   3,933.0   3,967.4   4,008.8   4,067.8   4,098.1       4,110.6   4,139.0   4,084.4   4,125.8
  18    Transaction                                        657.6     584.3     594.9     574.0     567.6     596.3     602.2     631.2         666.5     688.1     572.9     596.9
  19    Nontransaction                                   3,180.0   3,277.5   3,300.1   3,359.1   3,399.8   3,412.5   3,465.7   3,466.9       3,444.1   3,450.8   3,511.4   3,528.9
  20       Large time                                      557.2     543.0     560.2     568.3     570.7     572.5     575.3     573.8         576.3     569.2     575.6     584.7
  21       Other                                         2,622.8   2,734.4   2,739.9   2,790.8   2,829.1   2,840.0   2,890.3   2,893.0       2,867.8   2,881.6   2,935.9   2,944.1

  22  Borrowings                                         1,047.0   1,038.4   1,020.4   1,058.8   1,095.7   1,101.0   1,113.2   1,113.0       1,113.9   1,096.4   1,064.0   1,103.4
  23    From banks in the U.S.                             380.6     356.4     361.4     378.3     386.9     390.6     392.9     388.0         385.8     383.3     350.5     359.1
  24    From others                                        666.4     682.0     659.0     680.5     708.7     710.4     720.2     725.0         728.1     713.1     713.5     744.3

  25  Net due to related foreign offices                   196.4     174.5     175.8     178.7     183.6     192.5     201.5     215.6         214.1     222.4     238.0     238.0

  26  Other liabilities                                    283.2     291.4     310.4     332.0     342.2     341.1     351.7     359.2         377.1     365.3     374.8     307.7

  27  TOTAL LIABILITIES                                  5,364.3   5,366.1   5,401.7   5,502.6   5,588.8   5,643.5   5,734.1   5,785.8       5,815.7   5,823.1   5,761.3   5,774.9

  28  Residual (assets less liabilities) (8)               456.1     458.3     456.0     466.3     473.5     479.0     489.2     495.4         494.4     486.2     480.7     478.5






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

  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                                                                                                    January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,661.9   2,641.6   2,674.6   2,724.0   2,762.1   2,775.2   2,828.1   2,855.2       2,876.3   2,850.5   2,867.4   2,878.5

  2     Securities in bank credit                          636.0     683.8     713.4     736.8     745.6     743.5     780.0     787.8         798.0     806.3     801.2     804.7
  3        Treasury and Agency securities (2)              378.8     400.1     410.9     427.5     432.0     435.2     455.4     455.4         454.9     459.7     472.2     475.3
  3a         Trading account                                33.9      42.4      43.1      48.0      42.6      37.8      48.1      44.5          42.5      44.3      54.6      51.4
  3b         Investment account                            344.9     357.8     367.9     379.5     389.3     397.5     407.4     410.9         412.4     415.4     417.6     424.0
  4        Other securities                                257.2     283.7     302.5     309.3     313.7     308.3     324.5     332.4         343.0     346.6     329.0     329.3
  4a         Trading account                               130.0     148.3     168.8     174.5     172.7     161.5     171.8     176.2         184.7     190.5     176.1     174.3
  4b         Investment account                            127.2     135.4     133.7     134.8     141.0     146.7     152.7     156.2         158.4     156.0     152.8     155.1
  4c           State and local government                   27.3      27.3      28.3      28.0      28.4      28.7      29.1      29.4          29.7      29.2      29.3      29.7
  4d           Other                                        99.9     108.0     105.5     106.8     112.6     118.0     123.6     126.8         128.6     126.9     123.6     125.4

  5     Loans and leases in bank credit (3)              2,025.9   1,957.8   1,961.1   1,987.3   2,016.4   2,031.7   2,048.2   2,067.4       2,078.3   2,044.2   2,066.2   2,073.9
  6        Commercial and industrial                       536.3     500.0     488.6     487.6     484.1     482.4     480.8     478.7         479.8     474.5     478.1     477.6
  7        Real estate                                     864.7     861.9     882.0     901.0     921.9     941.3     964.8     983.8         983.0     987.7     998.1     997.4
  8          Revolving home equity                          98.4     116.9     121.6     124.6     126.8     129.5     131.7     135.7         135.9     137.5     135.9     139.2
  9          Other                                         766.4     745.0     760.4     776.5     795.1     811.8     833.1     848.1         847.0     850.1     862.2     858.2
  10       Consumer                                        292.4     282.2     282.1     289.2     296.0     296.5     295.2     295.0         296.0     294.5     298.2     296.4
  11       Security (4)                                     64.0      77.2      79.4      78.2      78.5      77.6      73.2      73.0          77.9      59.1      59.9      65.3
  11a        Fed funds and RPs with broker/dealer           48.6      64.7      66.4      66.3      67.9      66.8      62.0      62.0          66.0      48.6      49.1      55.1
  11b        Other                                          15.4      12.5      13.0      11.9      10.5      10.8      11.3      11.0          11.9      10.5      10.8      10.2
  12a      State and local government                       15.0      13.0      12.8      12.9      13.0      12.9      12.1      11.8          11.7      11.6      11.9      11.8
  12b      Agricultural                                      9.9       9.1       9.0       8.2       8.2       8.1       8.1       8.1           8.1       8.2       8.2       8.2
  12c      Fed funds and RPs with others                    28.9      17.6      13.7      16.6      19.8      19.2      18.5      22.4          26.9      17.9      20.5      26.0
  12d      All other loans                                  80.5      70.0      67.1      67.5      69.2      69.4      72.4      72.8          73.3      70.1      70.7      71.7
  12e      Lease financing receivables                     134.2     126.8     126.3     126.1     125.9     124.2     123.0     121.8         121.7     120.5     120.8     119.5

  13  Interbank loans                                      171.9     163.5     165.0     176.5     182.0     181.6     180.3     178.7         186.8     174.7     152.7     160.4
  13a   Fed funds and RPs with banks                       102.0      77.2      77.2      86.8      89.2      84.0      87.3      85.3          86.7      85.7      84.1      92.8
  13b   Other                                               69.9      86.2      87.7      89.7      92.9      97.7      93.0      93.4         100.1      89.0      68.6      67.6

  14  Cash assets (5)                                      149.0     143.2     142.5     146.9     144.3     144.1     145.0     146.3         156.5     138.0     144.9     131.6

  15  Other assets (6)                                     326.5     306.5     314.1     325.2     323.1     331.8     331.7     326.1         324.4     321.9     322.0     313.1

  16  TOTAL ASSETS (7)                                   3,266.9   3,210.6   3,252.1   3,329.4   3,368.6   3,389.7   3,441.8   3,463.4       3,500.9   3,442.8   3,442.5   3,439.6



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                        January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,816.2   1,817.5   1,846.8   1,872.5   1,883.2   1,899.5   1,924.0   1,935.9       1,959.8   1,935.0   1,932.0   1,964.2
  18    Transaction                                        326.3     286.7     292.2     282.4     268.3     286.9     282.5     288.3         309.9     294.0     260.9     271.9
  19    Nontransaction                                   1,490.0   1,530.8   1,554.6   1,590.2   1,614.9   1,612.6   1,641.5   1,647.6       1,649.9   1,641.0   1,671.2   1,692.3
  20       Large time                                      250.1     244.3     261.5     268.3     270.8     266.3     265.2     261.7         266.0     259.4     264.7     273.5
  21       Other                                         1,239.9   1,286.5   1,293.1   1,321.9   1,344.1   1,346.3   1,376.2   1,385.9       1,383.9   1,381.6   1,406.5   1,418.8

  22  Borrowings                                           718.9     699.4     685.6     720.6     723.9     721.6     733.4     724.9         719.3     703.3     659.7     687.1
  23    From banks in the U.S.                             264.7     237.8     240.3     251.3     258.0     257.7     264.1     246.2         236.4     242.2     196.5     199.4
  24    From others                                        454.2     461.5     445.3     469.3     466.0     463.8     469.3     478.6         482.9     461.1     463.1     487.6

  25  Net due to related foreign offices                   182.3     164.0     171.2     171.2     175.4     179.5     185.5     199.0         195.5     207.9     218.3     216.1

  26  Other liabilities                                    225.4     228.0     252.4     266.6     273.8     270.6     273.7     282.4         298.8     290.5     294.9     226.0

  27  TOTAL LIABILITIES                                  2,942.9   2,908.9   2,956.0   3,030.9   3,056.4   3,071.2   3,116.6   3,142.2       3,173.4   3,136.6   3,104.9   3,093.3

  28  Residual (assets less liabilities) (8)               324.1     301.7     296.2     298.4     312.2     318.5     325.2     321.2         327.4     306.2     337.6     346.3



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

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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                                                                                                January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,675.0   2,641.7   2,659.3   2,710.7   2,756.5   2,773.8   2,836.2   2,869.5       2,884.0   2,875.2   2,887.0   2,892.8

  2     Securities in bank credit                          640.9     680.2     701.4     730.5     743.0     744.0     784.4     793.9         797.7     817.2     815.2     812.6
  3        Treasury and Agency securities (2)              381.2     397.9     404.7     423.6     429.5     432.6     456.5     458.3         453.1     462.3     478.3     479.9
  3a         Trading account                                34.1      42.2      42.4      47.6      42.4      37.6      48.2      44.8          42.3      44.5      55.3      51.9
  3b         Investment account                            347.0     355.7     362.3     376.0     387.1     395.1     408.3     413.5         410.8     417.8     422.9     428.1
  3c           Mortgage-backed                             280.4     277.5     287.3     304.5     308.0     312.9     324.4     316.9         308.1     319.2     327.0     332.9
  3d           Other                                        66.7      78.2      75.0      71.4      79.1      82.2      83.8      96.6         102.7      98.6      95.9      95.2
  3e             1 year or less                             17.6      14.9      18.7      17.4      19.9      21.8      23.2      24.1          27.6      21.1      21.4      22.2
  3f             Between 1 and 5 years                      36.2      50.0      43.7      42.2      46.3      49.9      47.1      56.2          58.7      60.3      57.9      56.2
  3g             More than 5 years                          12.9      13.3      12.7      11.8      12.9      10.4      13.5      16.3          16.5      17.2      16.6      16.8
  4        Other securities                                259.7     282.3     296.7     306.9     313.4     311.4     327.9     335.7         344.5     354.9     337.0     332.6
  4a         Trading account                               131.2     147.5     165.5     173.1     172.6     163.2     173.6     177.9         185.5     195.1     180.4     176.0
  4b         Investment account                            128.5     134.7     131.2     133.8     140.9     148.2     154.3     157.8         159.1     159.8     156.6     156.6
  4c           State and local government                   27.6      27.2      27.7      27.8      28.4      29.0      29.4      29.7          29.9      29.9      30.0      30.0
  4d           Other                                       100.9     107.5     103.5     105.9     112.5     119.2     124.9     128.1         129.2     129.9     126.6     126.6

  5     Loans and leases in bank credit (3)              2,034.1   1,961.6   1,957.8   1,980.2   2,013.5   2,029.8   2,051.8   2,075.6       2,086.3   2,058.0   2,071.7   2,080.2
  6        Commercial and industrial                       534.2     501.2     488.3     485.2     483.7     483.1     481.6     476.9         478.2     475.0     474.4     473.2
  7        Real estate                                     866.5     863.8     882.2     901.5     922.3     940.2     966.8     985.7         983.0     988.7     999.2     998.9
  8          Revolving home equity                          98.1     117.3     121.9     124.9     127.3     129.5     131.9     135.2         135.3     136.9     135.3     138.5
  9a         Other residential                             453.4     435.1     448.7     464.4     482.2     495.3     518.6     534.6         532.3     536.1     547.5     544.5
  9b         Commercial                                    315.1     311.4     311.6     312.1     312.8     315.4     316.3     315.8         315.4     315.8     316.4     316.0
  10       Consumer                                        295.5     282.0     280.3     287.0     293.4     293.5     293.9     298.2         300.8     300.3     304.0     301.3
  10a        Credit card and related plans                 127.3     111.8     110.0     114.2     117.9     116.4     114.0     116.9         119.2     118.6     119.0     117.2
  10f        Other                                         168.2     170.2     170.3     172.8     175.6     177.1     179.9     181.3         181.6     181.7     185.0     184.2
  11       Security (4)                                     66.2      77.9      78.3      77.0      79.6      80.0      75.3      75.9          80.4      58.9      59.5      67.1
  11a        Fed funds and RPs with broker/dealer           50.2      65.3      65.5      65.3      69.0      68.8      63.7      64.5          68.1      48.5      48.8      56.6
  11b        Other                                          16.0      12.6      12.8      11.7      10.7      11.1      11.6      11.4          12.3      10.5      10.7      10.5
  12a      State and local government                       15.0      13.0      12.8      12.9      13.0      12.9      12.1      11.8          11.7      11.6      11.9      11.8
  12b      Agricultural                                      9.8       9.3       9.2       8.2       8.2       8.0       8.0       8.1           8.0       8.4       8.3       8.1
  12c      Fed funds and RPs with others                    29.8      17.6      13.7      16.6      19.8      19.2      18.5      22.4          26.9      17.9      20.5      26.0
  12d      All other loans                                  82.4      70.4      67.3      67.0      69.4      69.3      72.9      74.5          75.2      74.6      70.8      72.1
  12e      Lease financing receivables                     134.7     126.4     125.6     124.8     124.0     123.6     122.7     122.2         122.2     122.4     123.1     121.7

  13  Interbank loans                                      175.7     168.5     164.0     172.0     177.0     177.3     182.1     182.8         185.6     182.7     150.6     162.0
  13a   Fed funds and RPs with banks                       104.2      79.5      76.8      84.6      86.8      82.0      88.2      87.3          86.2      89.6      83.0      93.8
  13b   Other                                               71.5      89.0      87.2      87.4      90.2      95.3      93.9      95.5          99.5      93.0      67.6      68.3

  14  Cash assets (5)                                      160.0     139.1     137.1     137.9     141.6     145.0     148.0     157.2         164.7     169.3     148.3     149.0

  15  Other assets (6)                                     328.8     305.9     313.9     323.0     325.1     331.1     333.1     328.5         325.4     330.8     324.7     315.9

  16  TOTAL ASSETS (7)                                   3,297.1   3,211.2   3,230.5   3,300.1   3,357.1   3,384.7   3,456.0   3,494.9       3,516.8   3,515.9   3,466.4   3,475.9

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

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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)                                                                                    January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,834.0   1,816.0   1,838.7   1,856.1   1,874.5   1,896.5   1,933.0   1,952.2       1,962.9   1,976.5   1,942.6   1,982.4
  18    Transaction                                        344.2     285.2     287.2     270.9     263.9     282.9     285.5     304.9         326.3     338.5     267.1     290.9
  19    Nontransaction                                   1,489.7   1,530.8   1,551.5   1,585.2   1,610.6   1,613.6   1,647.6   1,647.3       1,636.7   1,638.0   1,675.5   1,691.5
  20       Large time                                      253.0     243.5     259.3     266.6     268.2     267.5     268.8     264.8         267.2     260.1     267.8     277.0
  21       Other                                         1,236.7   1,287.3   1,292.2   1,318.6   1,342.3   1,346.0   1,378.8   1,382.5       1,369.5   1,377.9   1,407.6   1,414.5

  22  Borrowings                                           718.8     698.4     675.6     700.5     721.3     723.5     736.6     724.5         717.2     708.8     665.6     703.1
  23    From banks in the U.S.                             266.3     235.3     236.2     246.1     251.1     256.0     261.3     247.6         238.0     246.0     200.2     204.9
  24    From others                                        452.5     463.1     439.4     454.4     470.2     467.5     475.2     476.8         479.2     462.8     465.4     498.2

  25  Net due to related foreign offices                   186.3     162.8     166.0     170.2     175.0     180.2     190.2     203.2         201.1     211.5     220.9     220.9

  26  Other liabilities                                    229.8     226.4     245.8     265.0     273.3     271.5     280.1     288.0         306.8     295.5     298.3     230.9

  27  TOTAL LIABILITIES                                  2,968.8   2,903.6   2,926.1   2,991.8   3,044.1   3,071.7   3,139.9   3,167.9       3,188.0   3,192.3   3,127.3   3,137.2

  28  Residual (assets less liabilities) (8)               328.3     307.5     304.4     308.2     313.0     312.9     316.1     327.0         328.7     323.6     339.1     338.7













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

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H.8 (510)                                                                                                                                                                   Page 9
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                    January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,192.9   2,293.5   2,302.6   2,328.2   2,349.6   2,370.4   2,388.3   2,395.8       2,393.8   2,390.5   2,398.6   2,395.6

  2     Securities in bank credit                          619.2     640.4     640.0     646.2     650.4     654.5     659.0     662.7         659.9     666.6     666.0     661.7
  3        Treasury and Agency securities (2)              395.0     432.6     431.2     436.6     444.0     448.0     452.7     455.4         453.6     459.2     459.0     454.9
  4        Other securities                                224.2     207.8     208.9     209.6     206.3     206.5     206.3     207.4         206.3     207.4     207.0     206.8

  5     Loans and leases in bank credit (3)              1,573.7   1,653.1   1,662.6   1,682.0   1,699.3   1,715.9   1,729.3   1,733.0       1,733.8   1,723.9   1,732.6   1,733.8
  6        Commercial and industrial                       299.4     300.1     301.8     304.3     305.6     306.2     307.4     308.1         308.2     309.3     308.1     308.4
  7        Real estate                                     902.0     958.1     968.4     980.8     994.1   1,006.6   1,015.3   1,017.2       1,014.5   1,011.3   1,018.5   1,015.7
  8          Revolving home equity                          57.2      69.2      71.3      73.1      74.1      75.4      76.0      76.7          76.8      76.7      77.3      77.3
  9          Other                                         844.8     888.9     897.1     907.7     920.0     931.2     939.3     940.5         937.7     934.5     941.1     938.4
  10       Consumer                                        265.4     286.5     282.5     285.6     286.8     288.3     290.5     292.1         292.0     290.5     292.2     294.8
  11       Security (4)                                      7.9       7.5       7.7       8.0       8.2       8.4       8.3       8.4           8.7       8.3       8.2       8.5
  12       Other loans and leases                           99.0     101.0     102.2     103.4     104.6     106.4     107.8     107.3         110.4     104.5     105.7     106.4

  13  Interbank loans                                      100.6      98.7     106.1     110.6     114.6     120.3     121.5     121.0         126.5     118.5     114.5     122.3

  14  Cash assets (5)                                      109.2     118.0     120.9     124.7     126.9     129.2     129.1     128.6         132.8     124.6     129.3     124.4

  15  Other assets (6)                                     130.4     141.3     140.5     145.2     147.1     145.2     148.2     150.0         150.9     156.8     156.5     154.0

  16  TOTAL ASSETS (7)                                   2,502.3   2,620.4   2,639.2   2,677.5   2,706.5   2,733.0   2,755.0   2,763.0       2,771.5   2,758.2   2,766.7   2,763.9

            L I A B I L I T I E S

  17  Deposits                                           1,983.1   2,054.7   2,068.4   2,093.0   2,104.2   2,117.0   2,127.6   2,124.1       2,130.3   2,126.8   2,121.1   2,124.6
  18    Transaction                                        303.5     300.3     310.1     306.7     305.6     314.7     314.2     316.0         330.7     323.3     297.4     296.7
  19    Nontransaction                                   1,679.6   1,754.4   1,758.3   1,786.2   1,798.6   1,802.3   1,813.4   1,808.1       1,799.6   1,803.5   1,823.7   1,827.9
  20       Large time                                      304.2     299.5     300.8     301.6     302.5     305.0     306.5     309.1         309.1     309.1     307.7     307.8
  21       Other                                         1,375.5   1,454.8   1,457.4   1,484.6   1,496.2   1,497.3   1,506.9   1,499.1       1,490.5   1,494.4   1,515.9   1,520.1

  22  Borrowings                                           328.2     340.0     344.8     358.3     374.3     377.5     376.6     388.5         396.8     387.6     398.5     400.3
  23    From banks in the U.S.                             114.3     121.1     125.1     132.2     135.8     134.6     131.6     140.4         147.9     137.3     150.3     154.2
  24    From others                                        213.9     218.9     219.7     226.2     238.5     242.9     245.0     248.1         248.9     250.3     248.2     246.1

  25  Net due to related foreign offices                    10.1      11.7       9.8       8.5       8.6      12.3      11.3      12.4          13.0      11.0      17.2      17.2

  26  Other liabilities                                     53.4      64.9      64.7      67.0      68.9      69.6      71.5      71.1          70.3      69.8      76.5      76.7

  27  TOTAL LIABILITIES                                  2,374.8   2,471.3   2,487.7   2,526.8   2,556.0   2,576.5   2,587.1   2,596.1       2,610.3   2,595.1   2,613.3   2,618.8

  28  Residual (assets less liabilities) (8)               127.5     149.1     151.5     150.7     150.5     156.5     167.9     166.8         161.2     163.0     153.4     145.0



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars                                                                                                January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,205.0   2,290.9   2,297.3   2,325.3   2,351.6   2,375.8   2,394.0   2,409.1       2,415.0   2,403.7   2,399.9   2,399.9

  2     Securities in bank credit                          621.7     639.9     637.9     643.8     649.3     653.3     658.8     665.5         664.7     668.8     667.1     663.4
  3        Treasury and Agency securities (2)              397.4     432.2     429.0     434.2     443.0     446.8     452.6     458.2         458.4     461.4     460.1     456.6
  4        Other securities                                224.2     207.8     208.9     209.6     206.3     206.5     206.3     207.4         206.3     207.4     207.0     206.8

  5     Loans and leases in bank credit (3)              1,583.4   1,651.0   1,659.4   1,681.4   1,702.3   1,722.4   1,735.2   1,743.6       1,750.3   1,734.9   1,732.8   1,736.5
  6        Commercial and industrial                       299.5     302.2     302.4     302.8     303.9     306.0     306.4     308.2         309.4     310.3     307.3     307.4
  7        Real estate                                     904.5     957.2     967.5     981.5     995.8   1,009.8   1,018.4   1,020.1       1,019.9   1,013.7   1,016.2   1,016.1
  8          Revolving home equity                          57.6      69.0      70.9      72.9      74.6      75.9      76.6      77.3          77.7      77.2      77.4      77.6
  9          Other                                         846.9     888.2     896.6     908.6     921.2     933.9     941.8     942.8         942.2     936.6     938.8     938.5
  10       Consumer                                        271.9     282.5     278.5     284.4     288.8     291.8     294.3     299.0         302.0     296.8     295.7     299.0
  10a        Credit card and related plans                 104.8     109.2     105.3     110.2     113.3     115.8     118.1     122.3         124.7     119.6     119.5     119.9
  10h        Other                                         167.1     173.3     173.2     174.2     175.5     176.0     176.2     176.6         177.4     177.2     176.2     179.0
  11       Security (4)                                      8.1       7.3       7.6       7.9       8.0       8.3       8.7       8.6           8.5       8.3       8.3       8.5
  12       Other loans and leases                           99.4     101.8     103.5     104.9     105.8     106.4     107.4     107.8         110.4     105.8     105.4     105.5

  13  Interbank loans                                      103.1      95.8     101.3     108.7     111.8     119.3     123.6     123.8         122.8     119.3     119.7     124.0

  14  Cash assets (5)                                      115.5     116.4     119.0     120.9     126.5     129.7     133.6     135.8         137.2     145.9     131.8     132.0

  15  Other assets (6)                                     130.4     141.3     140.5     145.2     147.1     145.2     148.2     150.0         150.9     156.8     156.5     154.0

  16  TOTAL ASSETS (7)                                   2,523.3   2,613.2   2,627.1   2,668.8   2,705.3   2,737.8   2,767.3   2,786.3       2,793.4   2,793.4   2,775.6   2,777.5

            L I A B I L I T I E S

  17  Deposits                                           2,003.7   2,045.8   2,056.3   2,077.0   2,092.9   2,112.3   2,134.8   2,145.9       2,147.7   2,162.5   2,141.8   2,143.4
  18    Transaction                                        313.4     299.2     307.7     303.1     303.7     313.4     316.7     326.3         340.3     349.6     305.8     306.0
  19    Nontransaction                                   1,690.3   1,746.7   1,748.6   1,773.9   1,789.3   1,798.9   1,818.1   1,819.6       1,807.4   1,812.9   1,836.0   1,837.4
  20       Large time                                      304.2     299.5     300.8     301.6     302.5     305.0     306.5     309.1         309.1     309.1     307.7     307.8
  21       Other                                         1,386.2   1,447.1   1,447.8   1,472.2   1,486.8   1,493.9   1,511.6   1,510.5       1,498.3   1,503.8   1,528.2   1,529.6

  22  Borrowings                                           328.2     340.0     344.8     358.3     374.3     377.5     376.6     388.5         396.8     387.6     398.5     400.3
  23    From banks in the U.S.                             114.3     121.1     125.1     132.2     135.8     134.6     131.6     140.4         147.9     137.3     150.3     154.2
  24    From others                                        213.9     218.9     219.7     226.2     238.5     242.9     245.0     248.1         248.9     250.3     248.2     246.1

  25  Net due to related foreign offices                    10.1      11.7       9.8       8.5       8.6      12.3      11.3      12.4          13.0      11.0      17.2      17.2

  26  Other liabilities                                     53.4      64.9      64.7      67.0      68.9      69.6      71.5      71.1          70.3      69.8      76.5      76.7

  27  TOTAL LIABILITIES                                  2,395.5   2,462.4   2,475.6   2,510.7   2,544.8   2,571.8   2,594.2   2,617.9       2,627.7   2,630.8   2,634.0   2,637.7

  28  Residual (assets less liabilities) (8)               127.8     150.8     151.6     158.1     160.5     166.1     173.1     168.3         165.7     162.7     141.6     139.9




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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars                                                                                                                          January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          596.2     605.6     614.2     620.8     618.6     614.0     620.7     634.7         642.6     607.7     626.2     619.8

  2     Securities in bank credit                          241.6     238.3     241.2     250.0     247.4     245.0     248.9     263.8         267.5     266.4     265.4     262.8
  3        Treasury and Agency securities (2)               82.1      76.1      76.4      81.8      86.7      88.8      92.8     101.1         101.4     100.2     101.4     102.5
  4        Other securities                                159.5     162.2     164.8     168.1     160.7     156.2     156.0     162.7         166.1     166.2     163.9     160.4

  5     Loans and leases in bank credit (3)                354.6     367.3     373.0     370.8     371.2     369.1     371.8     370.9         375.1     341.3     360.9     356.9
  6        Commercial and industrial                       195.3     193.1     191.2     189.9     185.5     181.3     179.1     178.2         178.2     173.4     175.2     175.3
  7        Real estate                                      17.7      18.4      18.8      18.8      19.0      19.5      19.8      19.4          19.4      19.1      19.0      19.0
  11       Security (4)                                     74.8      85.5      90.8      90.4      94.6      97.2     105.1     110.2         116.0      88.9     105.5     103.0
  12       Other loans and leases                           66.7      70.3      72.1      71.7      72.0      71.0      67.8      63.1          61.5      60.0      61.2      59.6

  13  Interbank loans                                       20.6      20.2      17.5      18.5      21.7      24.9      26.6      31.8          32.9      29.2      29.5      32.0

  14  Cash assets (5)                                       39.3      45.5      46.0      46.5      46.0      45.4      41.0      42.5          43.9      38.8      40.0      39.2

  15  Other assets (6)                                      29.4      27.8      29.4      29.0      28.4      35.1      38.1      41.9          42.0      45.0      45.0      47.2

  16  TOTAL ASSETS (7)                                     685.2     698.8     706.7     714.4     714.3     719.0     726.0     750.4         761.0     720.2     740.4     737.8

            L I A B I L I T I E S

  17  Deposits                                             440.5     505.2     498.9     495.1     486.0     466.4     448.5     423.8         418.9     405.8     421.0     431.4
  18    Transaction                                         11.2      10.3       9.9      10.1      10.1       9.8       9.5       9.5           9.5      10.7       9.5       9.8
  19    Nontransaction                                     429.3     494.9     489.0     485.0     475.9     456.6     439.1     414.2         409.4     395.1     411.4     421.5

  22  Borrowings                                           198.4     192.9     201.3     213.8     224.0     233.6     254.5     283.5         294.5     277.6     275.9     279.3
  23    From banks in the U.S.                              24.0      21.3      20.8      21.6      22.7      23.1      25.5      29.9          32.1      32.1      28.9      31.4
  24    From others                                        174.4     171.6     180.5     192.1     201.3     210.4     229.0     253.7         262.3     245.5     247.0     247.8

  25  Net due to related foreign offices                   -42.3     -86.1     -81.8     -85.6     -83.7     -72.4     -74.3     -60.7         -61.7     -69.6     -64.8     -71.4

  26  Other liabilities                                     82.0      85.5      90.9      96.8      92.7      99.9      99.1      99.8          97.1     100.1     101.5      98.2

  27  TOTAL LIABILITIES                                    678.6     697.5     709.3     720.0     719.0     727.5     727.8     746.4         748.7     713.9     733.6     737.4

  28  Residual (assets less liabilities) (8)                 6.6       1.3      -2.5      -5.7      -4.7      -8.4      -1.8       4.0          12.3       6.4       6.8       0.4



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                      January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          603.7     602.6     608.1     614.6     615.2     614.0     623.5     643.8         651.7     621.2     630.4     629.9

  2     Securities in bank credit (2)                      241.6     238.3     241.2     250.0     247.4     245.0     248.9     263.8         267.5     266.4     265.4     262.8
  3        Treasury and Agency securities                   82.1      76.1      76.4      81.8      86.7      88.8      92.8     101.1         101.4     100.2     101.4     102.5
  3a         Trading account                                13.3      10.4      10.7      13.0      15.2      18.6      20.2      30.6          31.9      31.7      33.4      33.1
  3b         Investment account                             68.9      65.7      65.8      68.8      71.5      70.2      72.7      70.6          69.5      68.5      68.0      69.3
  4        Other securities                                159.5     162.2     164.8     168.1     160.7     156.2     156.0     162.7         166.1     166.2     163.9     160.4
  4a         Trading account                               105.0     103.5     108.4     109.8     103.9     100.4      99.3      99.3          99.3     102.9      99.8      96.2
  4b         Investment account                             54.5      58.7      56.4      58.4      56.9      55.8      56.8      63.3          66.8      63.3      64.1      64.2

  5     Loans and leases in bank credit (3)                362.1     364.3     366.9     364.6     367.8     369.0     374.6     380.0         384.1     354.8     365.1     367.0
  6        Commercial and industrial                       197.0     191.9     189.9     188.3     185.4     182.0     180.6     179.7         180.8     176.6     176.4     176.0
  7        Real estate                                      17.7      18.4      18.8      18.8      19.0      19.5      19.8      19.4          19.4      19.1      19.0      19.0
  11       Security (4)                                     78.8      84.0      87.4      87.1      91.8      97.3     106.4     116.1         120.1      96.6     107.4     111.4
  12       Other loans and leases                           68.5      70.0      70.8      70.4      71.6      70.2      67.8      64.8          63.9      62.6      62.3      60.6

  13  Interbank loans                                       20.6      20.2      17.5      18.5      21.7      24.9      26.6      31.8          32.9      29.2      29.5      32.0

  14  Cash assets (5)                                       41.7      43.5      44.1      45.1      46.1      46.3      43.4      45.1          46.9      41.5      42.1      41.6

  15  Other assets (6)                                      30.2      26.6      28.3      28.6      29.0      34.5      37.9      43.0          42.8      45.9      46.4      48.9

  16  TOTAL ASSETS (7)                                     695.9     692.6     697.7     706.3     711.6     719.3     731.0     763.2         773.9     737.4     748.1     751.9

            L I A B I L I T I E S

  17  Deposits                                             452.8     503.4     489.8     480.6     474.0     459.0     452.1     435.5         434.8     418.3     431.0     441.2
  18    Transaction                                         11.9      10.1       9.8       9.8      10.3       9.9       9.6      10.2          10.2      11.8       9.8      10.2
  19    Nontransaction                                     440.9     493.3     480.0     470.8     463.7     449.0     442.5     425.3         424.6     406.5     421.2     431.0

  22  Borrowings                                           198.4     192.9     201.3     213.8     224.0     233.6     254.5     283.5         294.5     277.6     275.9     279.3
  23    From banks in the U.S.                              24.0      21.3      20.8      21.6      22.7      23.1      25.5      29.9          32.1      32.1      28.9      31.4
  24    From others                                        174.4     171.6     180.5     192.1     201.3     210.4     229.0     253.7         262.3     245.5     247.0     247.8

  25  Net due to related foreign offices                   -39.6     -88.8     -85.8     -87.6     -82.7     -73.7     -75.4     -58.6         -57.0     -64.1     -63.0     -69.5

  26  Other liabilities                                     83.2      84.1      88.7      95.6      93.4      99.1      98.4     101.4         100.2     104.2     102.8      99.5

  27  TOTAL LIABILITIES                                    694.9     691.6     694.0     702.4     708.6     717.9     729.6     761.8         772.5     736.0     746.7     750.6

  28  Residual (assets less liabilities) (8)                 1.0       1.0       3.6       3.9       2.9       1.3       1.4       1.4           1.4       1.4       1.4       1.4







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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars                                                                                                                      January 28, 2003


               Account                                    2001      2002      2002      2002      2002      2002      2002      2002                      Week ending
                                                           Dec       Jun       Jul       Aug       Sep       Oct       Nov       Dec         Dec 25     Jan 1     Jan 8    Jan 15 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)              80.6      92.9     105.8     112.3     119.1     110.9     117.1     124.4         130.9     139.9     127.2     123.5

  30  Reval. losses on off-bal. sheet items (9)             68.4      75.7      89.7      94.2     100.5      94.2     100.8     105.6         112.7     118.5     105.0     102.0

  31  Mortgage-backed securities (10)                      311.3     312.8     320.2     338.4     343.7     355.1     370.2     362.9         354.2     364.4     372.6     379.1
  31a   Pass-through                                       209.1     224.8     236.5     253.6     254.9     261.5     274.4     265.5         258.4     267.5     275.1     280.4
  31b   CMO, REMIC, and other                              102.2      88.0      83.7      84.8      88.9      93.5      95.8      97.4          95.8      96.9      97.5      98.7

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                   4.6       6.7       8.3       9.1      11.5      12.5      11.8      11.0          11.2      11.7      11.6      11.9

  33  Offshore credit to U.S. residents (12)                19.1      19.6      19.1      19.0      19.0      18.4      18.5      18.7          18.7      18.3      18.4      18.4

  34  Securitized consumer loans (13)                      140.5     140.0     144.1     141.5     140.6     142.7     146.8     148.3         147.8     147.9     145.1     146.4
  34a   Credit card and related plans                      129.4     126.9     128.1     125.5     125.0     127.5     131.4     133.2         132.8     133.0     130.3     131.7
  34b   Other                                               11.2      13.1      16.0      16.0      15.6      15.2      15.3      15.0          15.0      14.9      14.8      14.8

  35  Securitized business loans (13)                       19.7      16.9      17.1      17.8      17.7      17.5      17.1      16.9          16.8      16.6      16.6      16.5


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      275.3     298.9     297.2     298.8     304.3     307.2     309.0     311.1         310.8     312.5     309.1     306.0

  34  Securitized consumer loans (13)                      206.1     207.3     203.0     202.1     199.9     198.3     198.7     201.2         203.0     205.8     206.6     205.3
  34a   Credit card and related plans                      197.7     200.3     199.4     199.0     195.9     189.3     189.8     192.5         194.4     197.3     198.1     196.8
  34b   Other                                                8.4       7.0       3.6       3.1       3.9       8.9       8.9       8.7           8.6       8.5       8.5       8.5


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              60.7      55.2      61.5      65.1      62.5      62.0      63.2      64.1          64.4      67.8      65.8      65.7

  30  Reval. losses on off-bal. sheet items (9)             54.2      49.3      57.4      64.8      61.5      60.3      60.4      59.8          59.5      62.8      62.5      60.8

  35  Securitized business loans (13)                       12.9       9.9       9.4       9.1       8.1       7.6       7.3       6.9           6.8       6.6       6.7       6.7











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                  January 28, 2003

  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.


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