Notice to users of the H.8 release: Data on the attached H.8 have been benchmarked through the December 2002 Call Report. Data on the previous release were benchmarked through the September 2002 Call Report. The data also incorporate new seasonal adjustment factors. 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,418.6 5,729.4 5,759.5 5,838.3 5,897.3 5,890.1 5,964.9 5,993.4 5,974.0 5,972.0 5,993.6 6,009.1 2 Securities in bank credit 1,479.4 1,639.5 1,637.3 1,679.4 1,709.3 1,702.5 1,745.5 1,754.9 1,734.7 1,740.7 1,752.6 1,741.0 3 Treasury and Agency securities (2) 846.3 959.6 973.9 1,004.4 1,021.5 1,022.3 1,048.0 1,057.5 1,047.7 1,054.3 1,067.1 1,059.2 4 Other securities 633.1 679.9 663.3 675.0 687.8 680.1 697.6 697.4 687.0 686.3 685.5 681.9 5 Loans and leases in bank credit (3) 3,939.2 4,089.8 4,122.3 4,158.8 4,188.0 4,187.6 4,219.3 4,238.4 4,239.3 4,231.3 4,241.0 4,268.1 6 Commercial and industrial 1,017.1 973.8 969.1 968.2 966.8 962.7 955.0 948.4 947.8 946.9 945.0 946.1 7 Real estate 1,790.9 1,939.5 1,972.8 2,007.7 2,030.3 2,045.0 2,075.0 2,089.5 2,084.5 2,076.7 2,096.6 2,117.4 8 Revolving home equity 167.3 201.2 205.1 209.2 214.0 217.7 222.2 229.2 230.0 230.3 232.1 232.7 9 Other 1,623.6 1,738.4 1,767.7 1,798.6 1,816.4 1,827.3 1,852.8 1,860.3 1,854.5 1,846.4 1,864.6 1,884.7 10 Consumer 560.8 583.2 585.0 585.8 588.5 592.8 593.9 590.8 593.6 591.4 590.0 587.7 11 Security (4) 161.7 180.9 183.0 185.8 190.0 176.5 185.8 201.9 203.3 211.0 204.5 217.4 12 Other loans and leases 408.7 412.4 412.3 411.3 412.4 410.5 409.6 407.8 410.0 405.3 404.9 399.4 13 Interbank loans 269.7 317.7 328.1 325.5 327.7 307.3 305.1 315.9 317.6 316.0 318.8 295.2 14 Cash assets (5) 299.9 318.1 317.8 315.4 317.1 312.9 316.1 322.4 330.3 319.0 326.9 315.6 15 Other assets (6) 463.9 496.6 507.5 509.9 506.6 508.5 535.7 529.2 521.4 526.0 526.8 530.3 16 TOTAL ASSETS (7) 6,376.6 6,786.1 6,836.6 6,912.2 6,972.1 6,941.4 7,044.1 7,083.1 7,065.5 7,055.1 7,088.4 7,073.3 L I A B I L I T I E S 17 Deposits 4,293.0 4,478.4 4,486.7 4,509.3 4,489.6 4,510.7 4,537.4 4,586.4 4,582.6 4,575.9 4,616.2 4,568.3 18 Transaction 623.5 582.7 609.7 605.9 611.8 607.7 612.9 618.2 628.4 653.5 598.1 589.7 19 Nontransaction 3,669.5 3,895.7 3,876.9 3,903.4 3,877.8 3,903.1 3,924.5 3,968.2 3,954.2 3,922.5 4,018.1 3,978.6 20 Large time 1,022.2 1,044.2 1,024.8 1,006.0 979.7 984.0 999.6 1,005.5 1,007.5 997.6 999.4 990.5 21 Other 2,647.2 2,851.4 2,852.1 2,897.4 2,898.1 2,919.0 2,925.0 2,962.7 2,946.7 2,924.9 3,018.8 2,988.1 22 Borrowings 1,206.2 1,322.8 1,332.0 1,366.1 1,396.6 1,333.4 1,369.0 1,394.8 1,385.0 1,397.6 1,385.3 1,404.5 23 From banks in the U.S. 383.0 415.9 414.9 421.9 417.8 380.8 387.1 395.7 389.3 385.7 398.9 393.2 24 From others 823.2 906.9 917.1 944.2 978.8 952.6 982.0 999.2 995.7 1,011.9 986.4 1,011.4 25 Net due to related foreign offices 102.3 99.0 117.5 122.9 152.0 156.7 145.8 139.9 150.8 125.9 144.4 145.4 26 Other liabilities 316.2 432.7 427.8 431.4 441.4 443.1 452.9 444.3 432.3 433.0 440.7 450.8 27 TOTAL LIABILITIES 5,917.7 6,332.9 6,364.0 6,429.7 6,479.5 6,443.9 6,505.2 6,565.4 6,550.7 6,532.4 6,586.6 6,569.0 28 Residual (assets less liabilities) (8) 458.9 453.2 472.6 482.6 492.6 497.5 538.9 517.6 514.8 522.7 501.9 504.2 ------------------------------------------------- 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,409.3 5,726.0 5,761.4 5,853.7 5,931.3 5,907.3 5,968.4 5,981.7 5,961.4 5,945.1 5,977.0 5,987.4 2 Securities in bank credit 1,483.4 1,638.3 1,635.1 1,682.7 1,715.9 1,712.9 1,754.7 1,759.9 1,737.2 1,739.5 1,755.2 1,742.8 3 Treasury and Agency securities (2) 850.3 959.5 970.0 1,006.2 1,025.8 1,027.1 1,054.3 1,062.5 1,051.3 1,055.5 1,071.5 1,064.2 4 Other securities 633.1 678.9 665.1 676.5 690.2 685.7 700.4 697.5 685.9 684.1 683.7 678.6 5 Loans and leases in bank credit (3) 3,925.9 4,087.6 4,126.2 4,170.9 4,215.4 4,194.5 4,213.8 4,221.8 4,224.2 4,205.5 4,221.8 4,244.6 6 Commercial and industrial 1,018.7 972.2 969.5 968.2 965.6 956.8 953.0 949.8 950.5 948.1 948.5 946.8 7 Real estate 1,783.5 1,941.2 1,974.4 2,012.3 2,034.9 2,045.4 2,070.8 2,080.5 2,074.4 2,065.3 2,087.9 2,111.7 8 Revolving home equity 165.9 201.8 205.6 209.0 213.5 217.1 222.5 227.1 227.6 227.7 229.6 230.7 9 Other 1,617.6 1,739.3 1,768.8 1,803.2 1,821.4 1,828.3 1,848.3 1,853.4 1,846.8 1,837.7 1,858.3 1,881.0 10 Consumer 558.2 582.2 585.4 588.2 597.3 600.5 597.1 588.5 591.6 588.5 585.5 582.6 10a Credit card and related plans 220.0 231.2 232.4 231.9 238.9 235.2 228.4 224.0 227.2 223.7 219.9 217.7 10b Other 338.2 351.0 353.0 356.3 358.4 365.3 368.7 364.5 364.3 364.8 365.6 364.9 11 Security (4) 158.4 179.4 185.2 190.2 200.6 182.9 187.6 197.1 200.1 201.8 192.7 203.6 12 Other loans and leases 407.1 412.8 411.7 412.1 417.0 408.9 405.3 405.9 407.6 401.8 407.2 400.0 13 Interbank loans 274.7 310.1 320.9 330.6 334.7 304.1 302.3 322.4 321.5 311.6 337.3 317.0 14 Cash assets (5) 289.8 314.3 320.9 325.2 339.2 328.8 316.6 311.7 317.8 301.1 326.5 305.4 15 Other assets (6) 463.2 500.1 507.4 513.4 511.5 512.3 533.3 528.5 521.1 519.6 530.9 532.3 16 TOTAL ASSETS (7) 6,361.4 6,774.8 6,834.8 6,946.2 7,040.2 6,975.4 7,042.6 7,066.2 7,043.7 6,999.4 7,094.3 7,065.3 L I A B I L I T I E S 17 Deposits 4,299.5 4,441.7 4,470.1 4,524.3 4,540.4 4,534.0 4,558.3 4,593.6 4,577.8 4,553.0 4,652.4 4,615.6 18 Transaction 615.0 577.8 606.8 613.5 644.6 621.7 605.2 609.8 616.2 633.5 609.7 593.1 19 Nontransaction 3,684.5 3,863.9 3,863.3 3,910.8 3,895.7 3,912.3 3,953.1 3,983.7 3,961.6 3,919.5 4,042.7 4,022.5 20 Large time 1,025.7 1,023.7 1,014.0 1,009.8 992.4 1,000.6 1,010.2 1,008.2 1,008.3 1,000.2 1,002.3 993.0 21 Other 2,658.8 2,840.2 2,849.3 2,900.9 2,903.3 2,911.7 2,942.9 2,975.5 2,953.3 2,919.3 3,040.4 3,029.6 22 Borrowings 1,202.9 1,320.5 1,334.6 1,367.4 1,395.8 1,346.5 1,371.2 1,391.2 1,387.9 1,388.1 1,376.7 1,394.2 23 From banks in the U.S. 386.2 409.1 413.4 418.7 419.6 385.4 390.6 399.1 393.7 387.3 401.8 394.9 24 From others 816.7 911.4 921.1 948.7 976.2 961.1 980.6 992.1 994.2 1,000.9 974.9 999.3 25 Net due to related foreign offices 101.7 101.4 119.5 126.8 158.2 160.7 151.3 137.9 147.2 127.0 138.3 129.9 26 Other liabilities 314.1 435.0 431.5 437.5 448.3 446.9 459.2 440.6 426.7 431.2 431.7 431.8 27 TOTAL LIABILITIES 5,918.1 6,298.6 6,355.6 6,456.0 6,542.6 6,488.1 6,540.1 6,563.2 6,539.6 6,499.3 6,599.1 6,571.5 28 Residual (assets less liabilities) (8) 443.2 476.1 479.2 490.2 497.6 487.2 502.5 503.0 504.1 500.1 495.1 493.8 ------------------------------------------------- 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,827.5 5,109.5 5,145.0 5,218.1 5,261.1 5,262.5 5,324.4 5,335.0 5,319.3 5,315.8 5,334.1 5,340.7 2 Securities in bank credit 1,250.9 1,391.9 1,392.4 1,431.5 1,447.8 1,439.7 1,472.6 1,477.9 1,460.9 1,469.6 1,476.9 1,467.2 3 Treasury and Agency securities (2) 775.4 872.5 884.9 910.9 919.4 919.6 940.4 946.0 937.4 943.7 951.6 944.3 4 Other securities 475.4 519.4 507.5 520.5 528.4 520.1 532.2 531.9 523.5 525.9 525.3 522.9 5 Loans and leases in bank credit (3) 3,576.6 3,717.6 3,752.6 3,786.6 3,813.3 3,822.7 3,851.8 3,857.1 3,858.4 3,846.2 3,857.1 3,873.5 6 Commercial and industrial 821.7 788.8 788.0 789.2 788.3 786.4 782.8 779.5 779.8 778.9 778.1 777.0 7 Real estate 1,772.9 1,920.5 1,953.2 1,987.8 2,010.8 2,026.1 2,056.9 2,071.7 2,066.7 2,058.7 2,079.7 2,100.6 8 Revolving home equity 167.3 201.2 205.1 209.2 214.0 217.7 222.2 229.2 230.0 230.3 232.1 232.7 9 Other 1,605.5 1,719.3 1,748.1 1,778.6 1,796.8 1,808.4 1,834.8 1,842.5 1,836.7 1,828.4 1,847.6 1,867.8 10 Consumer 560.8 583.2 585.0 585.8 588.5 592.8 593.9 590.8 593.6 591.4 590.0 587.7 11 Security (4) 81.8 85.7 85.6 81.1 79.8 71.4 72.9 71.9 73.5 75.3 69.0 73.4 12 Other loans and leases 339.6 339.4 340.8 342.7 346.0 346.0 345.2 343.1 344.8 341.8 340.4 334.8 13 Interbank loans 249.0 296.5 303.6 300.0 298.0 278.6 276.2 285.4 285.2 285.4 292.0 266.1 14 Cash assets (5) 255.5 271.5 272.2 273.0 272.0 272.8 277.7 279.7 286.0 273.7 282.2 273.2 15 Other assets (6) 439.0 467.6 473.7 475.3 471.8 468.7 494.1 491.1 484.9 490.0 487.2 489.2 16 TOTAL ASSETS (7) 5,696.0 6,069.9 6,118.6 6,190.1 6,226.7 6,205.6 6,295.2 6,313.7 6,298.1 6,287.3 6,318.3 6,292.6 L I A B I L I T I E S 17 Deposits 3,810.6 3,986.1 4,015.2 4,056.7 4,063.6 4,083.9 4,094.1 4,137.2 4,122.7 4,137.6 4,179.6 4,130.1 18 Transaction 613.4 572.6 600.1 596.7 602.6 598.1 603.2 607.6 617.9 643.1 587.8 579.7 19 Nontransaction 3,197.3 3,413.4 3,415.1 3,460.0 3,461.0 3,485.8 3,490.9 3,529.6 3,504.9 3,494.5 3,591.8 3,550.3 20 Large time 552.0 568.3 571.2 571.6 571.0 582.2 587.8 587.5 583.2 584.8 590.9 579.4 21 Other 2,645.3 2,845.1 2,843.9 2,888.4 2,890.0 2,903.6 2,903.1 2,942.1 2,921.6 2,909.7 3,000.9 2,971.0 22 Borrowings 1,018.7 1,097.7 1,099.4 1,114.9 1,119.9 1,061.9 1,092.2 1,095.4 1,093.2 1,086.0 1,084.5 1,088.2 23 From banks in the U.S. 362.2 393.3 391.9 396.7 388.0 349.8 355.7 361.3 357.5 352.7 365.7 362.8 24 From others 656.6 704.4 707.4 718.1 731.9 712.1 736.6 734.1 735.7 733.3 718.7 725.4 25 Net due to related foreign offices 174.8 182.8 189.1 196.3 211.1 226.6 224.5 225.3 235.1 219.8 217.2 223.0 26 Other liabilities 242.8 338.9 328.1 332.1 339.3 344.3 351.8 349.1 340.5 342.6 352.3 361.4 27 TOTAL LIABILITIES 5,246.9 5,605.5 5,631.8 5,700.0 5,734.0 5,716.8 5,762.6 5,806.9 5,791.5 5,786.0 5,833.5 5,802.7 28 Residual (assets less liabilities) (8) 449.0 464.4 486.8 490.1 492.8 488.9 532.6 506.7 506.7 501.3 484.8 489.9 ------------------------------------------------- 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,818.3 5,109.7 5,147.3 5,229.9 5,285.2 5,271.8 5,323.4 5,325.5 5,307.1 5,293.1 5,324.6 5,331.0 2 Securities in bank credit 1,254.8 1,390.8 1,390.2 1,434.8 1,454.4 1,450.1 1,481.8 1,482.9 1,463.4 1,468.5 1,479.6 1,469.0 3 Treasury and Agency securities (2) 779.4 872.4 881.0 912.7 923.6 924.4 946.7 950.9 941.0 944.9 956.0 949.4 4 Other securities 475.4 518.4 509.3 522.1 530.8 525.7 535.0 532.0 522.4 523.6 523.6 519.6 5 Loans and leases in bank credit (3) 3,563.5 3,719.0 3,757.1 3,795.1 3,830.7 3,821.8 3,841.7 3,842.6 3,843.7 3,824.6 3,845.0 3,862.0 6 Commercial and industrial 821.5 787.3 788.3 787.9 785.6 780.4 779.4 779.4 780.4 778.8 780.5 778.6 7 Real estate 1,765.5 1,922.1 1,954.9 1,992.3 2,015.4 2,026.5 2,052.7 2,062.7 2,056.6 2,047.3 2,070.9 2,094.8 8 Revolving home equity 165.9 201.8 205.6 209.0 213.5 217.1 222.5 227.1 227.6 227.7 229.6 230.7 9 Other 1,599.6 1,720.3 1,749.3 1,783.3 1,801.8 1,809.4 1,830.2 1,835.6 1,828.9 1,819.7 1,841.3 1,864.1 10 Consumer 558.2 582.2 585.4 588.2 597.3 600.5 597.1 588.5 591.6 588.5 585.5 582.6 10a Credit card and related plans 220.0 231.2 232.4 231.9 238.9 235.2 228.4 224.0 227.2 223.7 219.9 217.7 10d Other 338.2 351.0 353.0 356.3 358.4 365.3 368.7 364.5 364.3 364.8 365.6 364.9 11 Security (4) 81.3 87.1 87.8 83.4 83.8 70.7 71.8 71.6 73.6 72.7 66.1 70.8 12 Other loans and leases 337.0 340.3 340.8 343.3 348.6 343.7 340.7 340.4 341.6 337.4 341.9 335.2 13 Interbank loans 254.1 288.9 296.4 305.0 305.0 275.4 273.4 291.8 289.2 281.0 310.5 287.8 14 Cash assets (5) 246.6 268.0 274.3 280.4 290.9 285.8 277.2 270.1 275.0 257.1 283.3 265.3 15 Other assets (6) 437.7 471.1 474.1 478.9 475.6 471.2 491.0 489.5 483.9 483.3 491.0 491.2 16 TOTAL ASSETS (7) 5,681.4 6,062.4 6,116.8 6,218.1 6,280.5 6,227.4 6,287.5 6,299.2 6,277.3 6,237.0 6,332.2 6,299.0 L I A B I L I T I E S 17 Deposits 3,812.6 3,967.6 4,011.0 4,071.6 4,103.6 4,091.1 4,104.8 4,140.2 4,115.7 4,108.0 4,209.9 4,174.7 18 Transaction 605.2 567.5 596.9 604.0 634.7 611.9 595.5 599.6 606.0 623.5 599.6 583.7 19 Nontransaction 3,207.4 3,400.1 3,414.0 3,467.6 3,468.9 3,479.2 3,509.3 3,540.7 3,509.7 3,484.5 3,610.3 3,591.0 20 Large time 550.6 565.9 572.7 575.7 573.8 583.5 588.8 586.0 581.6 580.7 588.0 578.7 21 Other 2,656.9 2,834.1 2,841.4 2,892.0 2,895.1 2,895.6 2,920.5 2,954.7 2,928.1 2,903.8 3,022.3 3,012.3 22 Borrowings 1,015.4 1,095.4 1,101.9 1,116.2 1,119.0 1,075.0 1,094.4 1,091.8 1,096.1 1,076.6 1,075.9 1,077.8 23 From banks in the U.S. 365.4 386.5 390.4 393.5 389.8 354.4 359.2 364.7 362.0 354.3 368.7 364.5 24 From others 650.0 708.9 711.5 722.7 729.3 720.7 735.2 727.1 734.1 722.3 707.2 713.4 25 Net due to related foreign offices 171.3 183.6 192.5 201.5 215.6 228.1 228.8 221.0 228.7 215.9 209.9 209.9 26 Other liabilities 239.4 340.2 332.6 339.1 345.1 346.3 357.3 343.8 333.1 337.6 342.6 343.8 27 TOTAL LIABILITIES 5,238.7 5,586.9 5,638.1 5,728.4 5,783.3 5,740.5 5,785.2 5,796.8 5,773.5 5,738.0 5,838.2 5,806.3 28 Residual (assets less liabilities) (8) 442.7 475.5 478.7 489.7 497.2 486.9 502.3 502.4 503.9 499.0 494.0 492.7 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 5 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,612.8 2,757.7 2,766.4 2,817.0 2,845.9 2,844.7 2,891.4 2,890.5 2,872.5 2,864.5 2,888.3 2,887.8 2 Securities in bank credit 632.0 742.6 735.7 768.2 777.2 771.6 802.7 800.5 784.9 788.8 792.7 780.3 3 Treasury and Agency securities (2) 372.4 430.0 434.6 453.7 455.8 458.8 477.6 474.1 466.4 469.3 471.9 463.1 3a Trading account 32.9 42.4 37.7 47.9 44.5 41.5 54.8 42.1 37.1 37.5 38.2 39.9 3b Investment account 339.4 387.6 396.9 405.9 411.2 417.3 422.7 432.0 429.4 431.8 433.7 423.2 4 Other securities 259.6 312.6 301.1 314.5 321.5 312.8 325.2 326.4 318.5 319.5 320.8 317.2 4a Trading account 122.2 171.3 153.8 161.0 164.9 159.7 172.2 171.3 162.9 164.1 164.5 160.7 4b Investment account 137.4 141.3 147.3 153.5 156.6 153.1 152.9 155.1 155.6 155.4 156.3 156.5 4c State and local government 27.6 28.4 28.8 29.3 29.4 29.4 29.6 30.1 30.2 30.4 30.3 30.8 4d Other 109.8 112.9 118.5 124.3 127.2 123.7 123.4 125.0 125.4 125.1 126.0 125.6 5 Loans and leases in bank credit (3) 1,980.8 2,015.2 2,030.7 2,048.7 2,068.7 2,073.1 2,088.7 2,090.0 2,087.6 2,075.7 2,095.6 2,107.5 6 Commercial and industrial 523.6 484.3 481.9 480.6 478.5 475.7 470.8 467.6 467.0 466.4 469.1 469.0 7 Real estate 850.5 921.4 939.7 964.2 984.5 1,000.5 1,022.1 1,032.2 1,026.0 1,018.8 1,041.4 1,055.0 8 Revolving home equity 105.8 126.9 129.3 132.2 136.1 139.2 141.7 147.2 147.7 147.5 149.5 149.9 9 Other 744.6 794.5 810.4 832.0 848.4 861.3 880.4 885.0 878.3 871.3 891.8 905.1 10 Consumer 290.8 296.9 297.2 295.6 295.8 296.0 293.9 290.5 291.4 290.1 290.3 288.5 11 Security (4) 74.2 77.6 77.2 72.8 71.5 62.9 64.3 63.4 65.0 66.5 60.7 65.4 11a Fed funds and RPs with broker/dealer 61.7 67.7 66.9 62.0 61.1 52.3 53.6 52.0 53.1 54.4 49.7 53.6 11b Other 12.5 9.9 10.3 10.8 10.4 10.6 10.7 11.4 11.8 12.1 11.0 11.8 12a State and local government 13.3 13.0 12.9 12.1 11.8 11.9 12.2 12.4 12.4 12.4 12.5 12.4 12b Agricultural 9.4 8.2 8.1 8.1 8.1 8.1 7.8 7.8 7.8 7.8 7.7 7.7 12c Fed funds and RPs with others 21.5 19.8 19.2 18.5 22.4 22.9 23.2 22.8 25.5 21.1 20.6 19.2 12d All other loans 66.9 68.3 70.3 73.6 74.2 75.2 74.8 73.9 73.2 73.6 73.6 70.7 12e Lease financing receivables 130.5 125.7 124.1 123.2 122.0 120.0 119.7 119.5 119.2 119.1 119.8 119.6 13 Interbank loans 152.2 182.9 183.2 180.6 178.4 152.5 149.4 158.3 158.0 151.7 171.6 153.1 13a Fed funds and RPs with banks 80.7 89.6 84.7 87.5 85.1 84.7 80.2 88.6 87.0 80.7 103.8 85.5 13b Other 71.5 93.3 98.5 93.1 93.2 67.8 69.2 69.7 71.0 71.0 67.8 67.6 14 Cash assets (5) 142.9 144.6 143.4 144.8 145.9 145.5 147.0 147.6 153.7 140.6 148.8 136.7 15 Other assets (6) 297.7 321.8 332.2 332.0 328.2 323.6 344.1 338.5 336.3 342.3 329.1 342.5 16 TOTAL ASSETS (7) 3,160.9 3,363.5 3,381.5 3,430.2 3,454.7 3,422.0 3,487.5 3,490.2 3,476.1 3,454.4 3,493.3 3,476.3 ------------------------------------------------- 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) April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,816.5 1,882.4 1,899.2 1,926.6 1,936.2 1,949.5 1,950.1 1,970.5 1,959.3 1,962.8 2,006.7 1,969.7 18 Transaction 308.1 268.3 285.9 281.7 284.7 282.2 284.4 285.2 293.3 301.8 274.5 266.1 19 Nontransaction 1,508.4 1,614.1 1,613.3 1,644.9 1,651.5 1,667.4 1,665.7 1,685.3 1,666.0 1,661.0 1,732.1 1,703.6 20 Large time 251.1 265.9 266.1 264.7 261.6 273.5 276.2 271.7 267.9 268.4 275.0 263.3 21 Other 1,257.3 1,348.2 1,347.2 1,380.2 1,389.9 1,393.9 1,389.5 1,413.6 1,398.1 1,392.7 1,457.2 1,440.3 22 Borrowings 695.5 728.5 725.4 738.7 727.0 653.0 680.0 686.3 679.7 677.2 677.4 680.7 23 From banks in the U.S. 248.1 262.7 261.8 268.0 247.5 193.1 195.7 204.0 199.6 195.1 210.7 209.5 24 From others 447.4 465.8 463.5 470.7 479.5 459.9 484.3 482.3 480.1 482.1 466.7 471.2 25 Net due to related foreign offices 165.7 174.2 176.8 185.0 198.8 211.4 211.5 213.8 224.6 207.8 203.9 209.7 26 Other liabilities 180.8 270.4 260.0 263.9 274.3 272.6 277.6 274.1 265.8 267.0 278.9 288.3 27 TOTAL LIABILITIES 2,858.4 3,055.4 3,061.4 3,114.2 3,136.2 3,086.6 3,119.3 3,144.7 3,129.4 3,114.9 3,166.9 3,148.3 28 Residual (assets less liabilities) (8) 302.5 308.1 320.1 316.1 318.5 335.5 368.2 345.5 346.6 339.6 326.5 328.0 ------------------------------------------------- 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,607.4 2,755.6 2,766.3 2,825.3 2,858.4 2,852.1 2,893.6 2,884.4 2,864.3 2,845.6 2,881.5 2,880.9 2 Securities in bank credit 633.7 741.3 735.7 772.7 782.3 780.2 811.1 802.8 784.7 784.0 792.4 779.9 3 Treasury and Agency securities (2) 374.1 429.7 432.8 456.6 458.5 461.9 483.1 476.4 467.4 466.8 473.3 466.0 3a Trading account 33.1 42.4 37.6 48.2 44.8 41.8 55.5 42.4 37.1 37.3 38.3 40.2 3b Investment account 341.0 387.3 395.2 408.4 413.7 420.0 427.6 434.0 430.2 429.4 434.9 425.8 3c Mortgage-backed 263.4 308.2 313.1 324.6 317.0 323.1 329.3 332.7 329.8 328.1 336.0 328.7 3d Other 77.6 79.1 82.2 83.8 96.6 96.9 98.3 101.3 100.4 101.4 98.9 97.2 3e 1 year or less 20.0 19.9 21.8 23.2 24.1 21.3 22.8 24.2 24.5 24.3 22.9 24.0 3f Between 1 and 5 years 45.3 46.3 49.9 47.1 56.2 58.2 56.9 56.9 56.2 59.4 58.1 55.7 3g More than 5 years 12.3 12.9 10.4 13.5 16.3 17.4 18.5 20.1 19.8 17.8 17.9 17.5 4 Other securities 259.6 311.6 302.9 316.0 323.8 318.4 328.0 326.4 317.4 317.2 319.1 313.9 4a Trading account 122.2 170.7 154.7 161.8 166.1 162.5 173.7 171.4 162.3 162.9 163.7 159.0 4b Investment account 137.4 140.9 148.2 154.3 157.8 155.8 154.3 155.1 155.1 154.3 155.5 154.8 4c State and local government 27.6 28.4 29.0 29.4 29.7 30.0 29.8 30.1 30.1 30.1 30.2 30.5 4d Other 109.8 112.5 119.2 124.9 128.1 125.9 124.4 125.0 124.9 124.2 125.3 124.3 5 Loans and leases in bank credit (3) 1,973.6 2,014.3 2,030.6 2,052.6 2,076.1 2,071.9 2,082.6 2,081.6 2,079.6 2,061.6 2,089.1 2,101.0 6 Commercial and industrial 523.5 484.5 482.5 480.8 475.9 471.2 468.8 467.6 467.5 465.7 471.0 469.6 7 Real estate 844.9 922.4 940.3 966.9 985.8 999.4 1,017.8 1,025.3 1,018.8 1,010.0 1,034.9 1,051.6 8 Revolving home equity 104.6 127.3 129.5 131.9 135.2 138.3 141.9 145.5 145.7 145.4 147.7 148.4 9a Other residential 428.7 482.1 494.6 518.5 534.6 544.7 559.3 562.3 556.1 547.1 569.0 586.6 9b Commercial 311.6 313.0 316.2 316.5 316.0 316.4 316.6 317.5 317.0 317.6 318.1 316.5 10 Consumer 291.3 294.0 293.9 294.3 298.3 300.8 297.2 291.1 292.0 290.3 290.0 288.2 10a Credit card and related plans 119.2 118.4 116.9 114.5 117.1 115.2 109.7 105.8 106.7 104.7 103.5 102.4 10f Other 172.1 175.6 177.0 179.8 181.1 185.6 187.5 185.3 185.3 185.6 186.5 185.8 11 Security (4) 73.5 79.0 79.5 74.8 75.4 62.4 63.2 62.8 65.0 64.0 57.3 62.0 11a Fed funds and RPs with broker/dealer 61.1 69.0 68.8 63.7 64.5 51.9 52.7 51.6 53.1 52.4 47.0 50.8 11b Other 12.4 10.1 10.6 11.1 10.9 10.5 10.5 11.3 11.8 11.6 10.4 11.2 12a State and local government 13.3 13.0 12.9 12.1 11.8 11.9 12.2 12.4 12.4 12.4 12.5 12.4 12b Agricultural 9.3 8.2 8.0 8.0 8.1 8.1 7.7 7.7 7.7 7.7 7.7 7.6 12c Fed funds and RPs with others 21.5 19.8 19.2 18.5 22.4 22.9 23.2 22.8 25.5 21.1 20.6 19.2 12d All other loans 64.9 69.4 70.7 74.5 76.2 73.3 71.5 71.7 70.9 70.8 74.7 70.1 12e Lease financing receivables 131.3 124.0 123.6 122.7 122.3 121.9 121.1 120.2 119.9 119.7 120.5 120.2 13 Interbank loans 152.1 177.0 177.3 182.1 182.9 155.7 147.6 158.3 158.4 148.1 176.7 153.5 13a Fed funds and RPs with banks 80.7 86.8 82.0 88.2 87.3 86.5 79.2 88.7 87.2 78.8 106.9 85.7 13b Other 71.4 90.2 95.3 93.9 95.5 69.2 68.3 69.6 71.2 69.4 69.8 67.8 14 Cash assets (5) 138.0 141.6 145.1 148.0 157.5 154.4 147.0 142.5 148.9 131.7 150.2 132.7 15 Other assets (6) 296.3 325.3 332.6 335.5 332.0 326.0 341.1 336.9 335.3 335.6 332.9 344.6 16 TOTAL ASSETS (7) 3,148.9 3,355.9 3,378.1 3,447.0 3,487.2 3,444.0 3,484.4 3,477.2 3,462.1 3,416.3 3,496.9 3,467.9 ------------------------------------------------- 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) April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,814.0 1,874.8 1,896.8 1,933.4 1,952.6 1,950.4 1,954.2 1,968.6 1,953.6 1,939.8 2,019.1 1,986.5 18 Transaction 303.4 264.0 283.0 285.5 305.0 291.0 280.1 280.8 287.7 290.9 282.8 267.2 19 Nontransaction 1,510.6 1,610.9 1,613.9 1,647.9 1,647.6 1,659.5 1,674.1 1,687.8 1,665.8 1,648.9 1,736.3 1,719.3 20 Large time 249.7 263.5 267.6 268.7 264.5 274.8 277.1 270.2 266.3 264.2 272.1 262.6 21 Other 1,260.8 1,347.4 1,346.3 1,379.1 1,383.2 1,384.7 1,396.9 1,417.6 1,399.5 1,384.6 1,464.2 1,456.7 22 Borrowings 692.1 726.2 727.9 740.0 726.1 666.1 682.2 682.7 682.6 667.7 668.8 670.4 23 From banks in the U.S. 251.3 255.9 260.3 264.7 249.3 197.6 199.2 207.4 204.1 196.7 213.7 211.1 24 From others 440.8 470.3 467.6 475.3 476.8 468.4 483.0 475.3 478.5 471.1 455.2 459.2 25 Net due to related foreign offices 162.2 175.0 180.2 190.2 203.2 212.9 215.8 209.5 218.2 203.9 196.6 196.6 26 Other liabilities 177.4 271.7 264.5 270.9 280.1 274.6 283.1 268.8 258.4 262.0 269.2 270.7 27 TOTAL LIABILITIES 2,845.7 3,047.7 3,069.5 3,134.5 3,162.1 3,104.1 3,135.2 3,129.6 3,112.8 3,073.3 3,153.7 3,124.1 28 Residual (assets less liabilities) (8) 303.2 308.2 308.6 312.5 325.1 340.0 349.2 347.6 349.4 343.0 343.2 343.8 ------------------------------------------------- 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,214.7 2,351.8 2,378.5 2,401.1 2,415.2 2,417.7 2,432.9 2,444.4 2,446.8 2,451.3 2,445.8 2,452.9 2 Securities in bank credit 618.8 649.4 656.7 663.2 670.6 668.1 669.9 677.4 676.0 680.8 684.2 686.9 3 Treasury and Agency securities (2) 403.0 442.6 450.3 457.2 463.6 460.8 462.8 471.9 470.9 474.4 479.7 481.2 4 Other securities 215.8 206.8 206.4 206.0 207.0 207.3 207.1 205.5 205.1 206.4 204.5 205.7 5 Loans and leases in bank credit (3) 1,595.8 1,702.4 1,721.8 1,737.9 1,744.6 1,749.6 1,763.0 1,767.0 1,770.8 1,770.5 1,761.6 1,766.0 6 Commercial and industrial 298.1 304.5 306.1 308.6 309.8 310.7 312.0 311.9 312.8 312.5 309.0 308.0 7 Real estate 922.4 999.2 1,013.5 1,023.5 1,026.3 1,025.6 1,034.9 1,039.5 1,040.6 1,040.0 1,038.3 1,045.6 8 Revolving home equity 61.5 74.3 75.9 77.0 77.9 78.5 80.5 82.0 82.3 82.8 82.6 82.8 9 Other 860.9 924.9 937.7 946.6 948.4 947.1 954.3 957.5 958.3 957.1 955.7 962.8 10 Consumer 269.9 286.2 287.8 290.2 292.7 296.8 300.0 300.3 302.2 301.3 299.7 299.1 11 Security (4) 7.5 8.1 8.4 8.4 8.3 8.6 8.6 8.5 8.5 8.8 8.3 8.0 12 Other loans and leases 97.9 104.4 106.1 107.2 107.5 108.0 107.5 106.8 106.7 107.9 106.3 105.2 13 Interbank loans 96.9 113.6 120.4 119.4 119.6 126.1 126.8 127.1 127.2 133.7 120.4 113.0 14 Cash assets (5) 112.6 126.9 128.8 128.2 126.2 127.3 130.7 132.1 132.4 133.0 133.4 136.4 15 Other assets (6) 141.3 145.8 141.5 143.4 143.6 145.1 149.9 152.6 148.6 147.7 158.1 146.6 16 TOTAL ASSETS (7) 2,535.0 2,706.3 2,737.1 2,759.8 2,772.0 2,783.6 2,807.7 2,823.4 2,822.0 2,832.9 2,824.9 2,816.3 L I A B I L I T I E S 17 Deposits 1,994.1 2,103.6 2,116.0 2,130.2 2,127.4 2,134.3 2,143.9 2,166.7 2,163.4 2,174.8 2,172.9 2,160.4 18 Transaction 305.3 304.3 314.2 315.0 318.0 316.0 318.7 322.4 324.6 341.3 313.2 313.7 19 Nontransaction 1,688.9 1,799.3 1,801.8 1,815.2 1,809.4 1,818.4 1,825.2 1,844.3 1,838.8 1,833.5 1,859.7 1,846.8 20 Large time 300.8 302.4 305.1 306.9 309.4 308.7 311.7 315.8 315.3 316.5 316.0 316.1 21 Other 1,388.0 1,496.9 1,496.7 1,508.2 1,500.1 1,509.7 1,513.5 1,528.5 1,523.5 1,517.0 1,543.7 1,530.7 22 Borrowings 323.3 369.2 374.0 376.2 392.9 409.0 412.2 409.1 413.5 408.8 407.0 407.5 23 From banks in the U.S. 114.1 130.6 130.1 128.8 140.5 156.7 159.9 157.3 157.9 157.6 155.0 153.3 24 From others 209.2 238.6 243.9 247.4 252.4 252.2 252.3 251.8 255.6 251.2 252.0 254.2 25 Net due to related foreign offices 9.0 8.6 12.3 11.3 12.4 15.2 13.0 11.5 10.5 12.0 13.3 13.3 26 Other liabilities 62.0 68.5 68.1 68.2 65.0 71.7 74.2 74.9 74.7 75.6 73.3 73.2 27 TOTAL LIABILITIES 2,388.5 2,550.0 2,570.4 2,585.8 2,597.7 2,630.2 2,643.3 2,662.2 2,662.0 2,671.2 2,666.6 2,654.4 28 Residual (assets less liabilities) (8) 146.5 156.3 166.7 174.0 174.3 153.4 164.4 161.3 160.0 161.7 158.3 161.9 ------------------------------------------------- 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,211.0 2,354.1 2,381.0 2,404.6 2,426.7 2,419.7 2,429.8 2,441.1 2,442.7 2,447.5 2,443.1 2,450.1 2 Securities in bank credit 621.1 649.5 654.6 662.1 672.1 669.9 670.7 680.1 678.7 684.5 687.2 689.1 3 Treasury and Agency securities (2) 405.3 442.7 448.2 456.1 465.1 462.6 463.6 474.6 473.6 478.1 482.8 483.4 4 Other securities 215.8 206.8 206.4 206.0 207.0 207.3 207.1 205.5 205.1 206.4 204.5 205.7 5 Loans and leases in bank credit (3) 1,589.8 1,704.6 1,726.4 1,742.5 1,754.6 1,749.9 1,759.1 1,761.0 1,764.1 1,763.0 1,755.8 1,761.1 6 Commercial and industrial 298.0 302.8 305.8 307.1 309.6 309.2 310.6 311.8 312.9 313.0 309.5 309.0 7 Real estate 920.5 999.7 1,014.5 1,025.4 1,029.6 1,027.1 1,034.9 1,037.4 1,037.7 1,037.3 1,036.0 1,043.2 8 Revolving home equity 61.2 74.5 76.1 77.1 78.3 78.7 80.6 81.6 81.9 82.3 81.8 82.3 9 Other 859.3 925.2 938.4 948.2 951.3 948.3 954.4 955.8 955.8 955.0 954.2 961.0 10 Consumer 266.9 288.2 291.4 293.9 299.1 299.7 299.9 297.4 299.6 298.2 295.5 294.3 10a Credit card and related plans 100.8 112.8 115.4 117.4 121.8 120.0 118.7 118.2 120.5 119.1 116.5 115.3 10h Other 166.0 175.4 176.0 176.5 177.3 179.7 181.3 179.2 179.1 179.2 179.0 179.0 11 Security (4) 7.8 8.0 8.3 8.6 8.5 8.2 8.5 8.8 8.6 8.7 8.8 8.8 12 Other loans and leases 96.6 106.0 106.4 107.5 107.9 105.7 105.1 105.6 105.2 105.7 106.0 105.6 13 Interbank loans 101.9 111.9 119.1 123.0 122.2 119.7 125.9 133.5 130.8 132.9 133.8 134.4 14 Cash assets (5) 108.7 126.4 129.2 132.4 133.4 131.4 130.2 127.5 126.1 125.4 133.0 132.7 15 Other assets (6) 141.3 145.8 141.5 143.4 143.6 145.1 149.9 152.6 148.6 147.7 158.1 146.6 16 TOTAL ASSETS (7) 2,532.5 2,706.5 2,738.7 2,771.1 2,793.4 2,783.4 2,803.1 2,821.9 2,815.2 2,820.7 2,835.3 2,831.1 L I A B I L I T I E S 17 Deposits 1,998.6 2,092.8 2,114.2 2,138.2 2,150.9 2,140.6 2,150.7 2,171.7 2,162.1 2,168.2 2,190.8 2,188.2 18 Transaction 301.8 303.6 314.0 318.4 329.7 320.9 315.4 318.8 318.2 332.6 316.8 316.6 19 Nontransaction 1,696.9 1,789.2 1,800.2 1,819.8 1,821.3 1,819.7 1,835.3 1,852.9 1,843.9 1,835.6 1,874.0 1,871.7 20 Large time 300.8 302.4 305.1 306.9 309.4 308.7 311.7 315.8 315.3 316.5 316.0 316.1 21 Other 1,396.0 1,486.8 1,495.1 1,512.8 1,511.9 1,510.9 1,523.6 1,537.1 1,528.6 1,519.2 1,558.1 1,555.6 22 Borrowings 323.3 369.2 374.0 376.2 392.9 409.0 412.2 409.1 413.5 408.8 407.0 407.5 23 From banks in the U.S. 114.1 130.6 130.1 128.8 140.5 156.7 159.9 157.3 157.9 157.6 155.0 153.3 24 From others 209.2 238.6 243.9 247.4 252.4 252.2 252.3 251.8 255.6 251.2 252.0 254.2 25 Net due to related foreign offices 9.0 8.6 12.3 11.3 12.4 15.2 13.0 11.5 10.5 12.0 13.3 13.3 26 Other liabilities 62.0 68.5 68.1 68.2 65.0 71.7 74.2 74.9 74.7 75.6 73.3 73.2 27 TOTAL LIABILITIES 2,393.0 2,539.2 2,568.6 2,593.9 2,621.2 2,636.4 2,650.0 2,667.2 2,660.7 2,664.6 2,684.5 2,682.2 28 Residual (assets less liabilities) (8) 139.5 167.3 170.1 177.2 172.1 146.9 153.1 154.8 154.5 156.1 150.8 148.9 ------------------------------------------------- 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 591.1 619.8 614.6 620.2 636.2 627.6 640.5 658.4 654.7 656.2 659.5 668.4 2 Securities in bank credit 228.6 247.6 244.9 248.0 261.5 262.8 272.9 277.0 273.8 271.1 275.6 273.8 3 Treasury and Agency securities (2) 70.9 87.1 89.0 93.5 102.1 102.7 107.6 111.5 110.4 110.6 115.5 114.9 4 Other securities 157.7 160.5 155.9 154.5 159.4 160.1 165.3 165.5 163.5 160.4 160.1 159.0 5 Loans and leases in bank credit (3) 362.5 372.2 369.7 372.2 374.7 364.8 367.6 381.4 380.9 385.2 383.9 394.6 6 Commercial and industrial 195.5 185.0 181.1 178.9 178.5 176.3 172.2 168.9 168.0 168.0 166.9 169.1 7 Real estate 18.0 19.0 19.6 20.0 19.5 18.9 18.1 17.8 17.8 18.0 17.0 16.8 11 Security (4) 79.9 95.2 97.5 104.7 110.2 105.1 112.9 130.0 129.8 135.7 135.6 144.0 12 Other loans and leases 69.1 73.0 71.5 68.6 66.4 64.5 64.5 64.7 65.2 63.5 64.5 64.6 13 Interbank loans 20.7 21.2 24.5 25.5 29.7 28.7 28.8 30.5 32.4 30.6 26.8 29.1 14 Cash assets (5) 44.4 46.6 45.5 42.3 45.1 40.1 38.3 42.8 44.2 45.4 44.6 42.4 15 Other assets (6) 24.9 29.0 33.8 34.6 34.8 39.8 41.7 38.1 36.5 35.9 39.6 41.1 16 TOTAL ASSETS (7) 680.7 716.2 718.0 722.2 745.4 735.8 749.0 769.4 767.4 767.8 770.1 780.6 L I A B I L I T I E S 17 Deposits 482.4 492.3 471.4 452.6 426.0 426.8 443.4 449.2 459.9 438.3 436.6 438.2 18 Transaction 10.2 10.1 9.6 9.2 9.1 9.5 9.7 10.6 10.6 10.4 10.3 9.9 19 Nontransaction 472.2 482.2 461.8 443.3 416.8 417.3 433.6 438.6 449.3 428.0 426.3 428.3 22 Borrowings 187.5 225.1 232.7 251.2 276.7 271.5 276.8 299.4 291.9 311.5 300.9 316.4 23 From banks in the U.S. 20.8 22.6 23.0 25.2 29.8 31.0 31.4 34.3 31.8 33.0 33.2 30.4 24 From others 166.6 202.5 209.7 226.0 246.9 240.5 245.4 265.1 260.1 278.6 267.7 286.0 25 Net due to related foreign offices -72.5 -83.8 -71.6 -73.3 -59.2 -70.0 -78.6 -85.4 -84.3 -93.9 -72.8 -77.6 26 Other liabilities 73.4 93.8 99.7 99.3 102.0 98.8 101.1 95.3 91.8 90.4 88.4 89.4 27 TOTAL LIABILITIES 670.8 727.4 732.2 729.7 745.5 727.2 742.7 758.5 759.2 746.4 753.1 766.4 28 Residual (assets less liabilities) (8) 9.9 -11.2 -14.2 -7.5 -0.2 8.6 6.3 10.9 8.1 21.4 17.1 14.3 ------------------------------------------------- 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 April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 591.0 616.3 614.1 623.8 646.2 635.5 645.0 656.2 654.3 652.0 652.4 656.4 2 Securities in bank credit (2) 228.6 247.6 244.9 248.0 261.5 262.8 272.9 277.0 273.8 271.1 275.6 273.8 3 Treasury and Agency securities 70.9 87.1 89.0 93.5 102.1 102.7 107.6 111.5 110.4 110.6 115.5 114.9 3a Trading account 9.3 16.1 18.6 20.3 30.7 32.1 34.9 34.6 32.3 33.8 38.1 36.9 3b Investment account 61.6 71.0 70.4 73.2 71.4 70.7 72.7 76.9 78.1 76.8 77.4 78.0 4 Other securities 157.7 160.5 155.9 154.5 159.4 160.1 165.3 165.5 163.5 160.4 160.1 159.0 4a Trading account 100.3 105.1 101.5 100.4 101.4 101.2 100.3 98.9 95.9 94.3 95.6 95.4 4b Investment account 57.4 55.4 54.4 54.0 58.0 58.8 65.0 66.6 67.6 66.1 64.5 63.6 5 Loans and leases in bank credit (3) 362.4 368.7 369.2 375.8 384.7 372.7 372.1 379.2 380.5 380.9 376.8 382.6 6 Commercial and industrial 197.2 184.9 181.2 180.3 180.0 176.4 173.6 170.4 170.1 169.4 168.0 168.1 7 Real estate 18.0 19.0 19.6 20.0 19.5 18.9 18.1 17.8 17.8 18.0 17.0 16.8 11 Security (4) 77.1 92.3 97.5 106.8 116.8 112.2 115.8 125.5 126.5 129.1 126.6 132.7 12 Other loans and leases 70.1 72.4 70.9 68.8 68.3 65.2 64.6 65.5 66.1 64.5 65.3 64.9 13 Interbank loans 20.7 21.2 24.5 25.5 29.7 28.7 28.8 30.5 32.4 30.6 26.8 29.1 14 Cash assets (5) 43.2 46.3 46.6 44.7 48.3 43.0 39.3 41.6 42.8 44.0 43.2 40.1 15 Other assets (6) 25.5 29.0 33.3 34.5 35.9 41.1 42.3 39.0 37.2 36.3 39.9 41.0 16 TOTAL ASSETS (7) 680.0 712.4 718.1 728.1 759.7 748.0 755.1 767.0 766.3 762.4 762.0 766.3 L I A B I L I T I E S 17 Deposits 486.9 474.1 459.1 452.7 436.8 443.0 453.5 453.3 462.1 445.0 442.5 440.9 18 Transaction 9.9 10.3 9.8 9.5 9.9 9.8 9.7 10.3 10.2 10.0 10.2 9.3 19 Nontransaction 477.0 463.9 449.3 443.1 426.8 433.1 443.8 443.0 451.9 435.0 432.4 431.5 22 Borrowings 187.5 225.1 232.7 251.2 276.7 271.5 276.8 299.4 291.9 311.5 300.9 316.4 23 From banks in the U.S. 20.8 22.6 23.0 25.2 29.8 31.0 31.4 34.3 31.8 33.0 33.2 30.4 24 From others 166.6 202.5 209.7 226.0 246.9 240.5 245.4 265.1 260.1 278.6 267.7 286.0 25 Net due to related foreign offices -69.6 -82.2 -73.1 -74.7 -57.5 -67.4 -77.4 -83.1 -81.5 -88.9 -71.6 -80.0 26 Other liabilities 74.6 94.8 98.8 98.4 103.2 100.6 102.0 96.8 93.7 93.7 89.2 87.9 27 TOTAL LIABILITIES 679.4 711.8 717.6 727.6 759.3 747.6 754.9 766.4 766.1 761.4 761.0 765.2 28 Residual (assets less liabilities) (8) 0.5 0.6 0.5 0.5 0.4 0.4 0.2 0.6 0.2 1.1 1.1 1.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars April 18, 2003 Account 2002 2002 2002 2002 2002 2003 2003 2003 Week ending Mar Sep Oct Nov Dec Jan Feb Mar Mar 19 Mar 26 Apr 2 Apr 9 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 73.2 117.2 102.4 105.2 112.6 107.9 117.0 115.5 106.4 108.7 106.9 106.0 30 Reval. losses on off-bal. sheet items (9) 53.0 98.6 85.7 89.0 93.8 86.2 94.9 91.3 82.4 82.7 82.7 81.7 31 Mortgage-backed securities (10) 299.7 343.9 355.2 370.4 363.1 368.8 374.8 379.3 376.7 374.1 383.4 376.3 31a Pass-through 201.6 255.0 261.7 274.6 265.6 271.2 276.5 275.8 276.4 271.2 270.8 263.9 31b CMO, REMIC, and other 98.0 88.9 93.5 95.8 97.4 97.6 98.3 103.5 100.3 102.9 112.6 112.3 32 Net unrealized gains (losses) on available-for-sale securities (11) 3.2 11.5 11.9 11.3 10.7 12.1 12.0 12.1 11.2 11.4 10.7 11.4 33 Offshore credit to U.S. residents (12) 19.8 19.0 18.4 18.5 18.7 18.3 18.2 18.2 18.3 18.5 17.7 17.7 34 Securitized consumer loans (13) 133.8 141.9 144.3 148.5 150.1 149.7 150.6 152.5 151.9 153.6 154.3 154.2 34a Credit card and related plans 120.4 125.0 127.5 131.4 133.2 132.2 134.8 136.7 136.0 137.6 138.5 138.5 34b Other 13.4 16.9 16.9 17.0 16.9 17.5 15.8 15.8 16.0 15.9 15.8 15.7 35 Securitized business loans (13) 18.1 17.8 17.8 17.4 17.2 16.9 17.2 16.8 16.8 16.7 16.5 16.4 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 276.2 303.9 304.2 307.8 312.1 311.2 316.8 327.9 327.4 328.7 334.6 334.8 34 Securitized consumer loans (13) 203.2 199.9 198.3 198.7 201.3 205.6 204.5 203.2 201.6 203.3 203.9 204.9 34a Credit card and related plans 195.5 195.9 189.3 189.8 192.5 197.1 196.0 194.8 193.1 194.9 195.4 196.5 34b Other 7.7 3.9 8.9 8.9 8.7 8.5 8.4 8.5 8.5 8.5 8.4 8.4 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 47.2 63.0 61.9 63.3 64.2 66.8 66.8 64.6 62.2 60.8 62.1 61.7 30 Reval. losses on off-bal. sheet items (9) 40.6 61.7 60.2 60.3 60.0 63.0 65.0 63.5 61.1 59.7 60.2 59.8 35 Securitized business loans (13) 12.4 8.1 7.6 7.2 6.7 5.6 4.7 4.1 4.5 3.5 3.4 3.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 April 18, 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. The fair value of derivative contracts in a gain position is included in "Other securities, trading account," balance sheet item 4a. The fair value of derivative contracts in a loss position is included in "Other liabilities," balance sheet item 26. 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.