Notice to users of the H.8 release: Data on the attached H.8 have been benchmarked through the March 2003 Call Report. Data on the previous release were benchmarked through the December 2002 Call Report. H.8 (510) ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For use at 4:15 p.m. Eastern Time Seasonally adjusted, billions of dollars June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,492.4 5,837.8 5,894.7 5,889.1 5,965.3 5,995.0 6,028.4 6,115.7 6,132.9 6,164.7 6,166.4 6,159.6 2 Securities in bank credit 1,529.2 1,679.3 1,708.7 1,702.6 1,746.0 1,757.9 1,769.8 1,826.6 1,845.0 1,863.4 1,853.1 1,841.2 3 Treasury and Agency securities (2) 889.7 1,004.3 1,020.1 1,022.6 1,051.0 1,063.5 1,095.4 1,126.9 1,138.4 1,145.6 1,142.0 1,145.2 4 Other securities 639.5 675.0 688.6 680.1 695.0 694.4 674.4 699.7 706.6 717.8 711.1 696.0 5 Loans and leases in bank credit (3) 3,963.3 4,158.5 4,186.0 4,186.5 4,219.3 4,237.2 4,258.6 4,289.1 4,288.0 4,301.3 4,313.3 4,318.4 6 Commercial and industrial 999.3 968.0 966.0 961.5 955.2 949.7 947.8 936.9 936.1 925.9 922.0 922.5 7 Real estate 1,818.7 2,007.9 2,030.0 2,048.1 2,080.8 2,094.7 2,111.0 2,134.2 2,122.9 2,145.5 2,164.4 2,155.2 8 Revolving home equity 178.9 209.2 213.8 217.7 222.2 229.3 233.3 236.9 238.4 240.6 241.9 243.4 9 Other 1,639.7 1,798.8 1,816.1 1,830.4 1,858.6 1,865.4 1,877.8 1,897.2 1,884.5 1,905.0 1,922.5 1,911.8 10 Consumer 568.4 585.6 588.1 591.9 591.8 586.9 583.9 587.9 590.1 590.1 591.9 599.5 11 Security (4) 169.9 185.8 189.5 174.8 181.3 194.1 193.4 199.4 202.4 206.6 200.3 200.5 12 Other loans and leases 407.0 411.2 412.4 410.2 410.3 411.7 422.5 430.8 436.4 433.2 434.7 440.6 13 Interbank loans 287.7 325.5 328.4 307.3 305.0 314.2 307.1 318.6 317.0 317.4 318.2 324.1 14 Cash assets (5) 302.5 315.4 316.9 313.7 318.3 325.8 321.9 325.2 340.4 310.8 349.6 327.0 15 Other assets (6) 482.4 510.1 508.1 508.1 531.9 521.9 527.5 554.1 560.3 564.5 579.9 551.2 16 TOTAL ASSETS (7) 6,489.3 6,912.0 6,971.4 6,941.1 7,043.5 7,080.2 7,109.3 7,237.7 7,274.5 7,281.6 7,338.2 7,285.6 L I A B I L I T I E S 17 Deposits 4,350.2 4,509.3 4,487.4 4,506.9 4,535.4 4,585.7 4,613.4 4,646.5 4,659.8 4,680.8 4,684.8 4,712.5 18 Transaction 610.0 605.9 611.3 608.0 613.7 619.5 632.3 633.5 673.1 598.0 625.7 625.5 19 Nontransaction 3,740.2 3,903.4 3,876.1 3,899.0 3,921.6 3,966.1 3,981.1 4,013.0 3,986.7 4,082.7 4,059.1 4,086.9 20 Large time 1,040.1 1,005.7 978.6 979.4 995.2 1,001.6 985.3 999.0 1,002.2 1,010.4 992.7 1,012.0 21 Other 2,700.1 2,897.6 2,897.6 2,919.6 2,926.4 2,964.5 2,995.7 3,014.0 2,984.4 3,072.3 3,066.3 3,075.0 22 Borrowings 1,240.4 1,366.1 1,397.3 1,331.2 1,362.7 1,384.2 1,393.0 1,426.2 1,445.0 1,448.1 1,472.5 1,452.8 23 From banks in the U.S. 383.4 421.9 417.5 380.8 388.1 397.4 397.4 389.9 388.3 400.6 404.9 391.1 24 From others 857.0 944.2 979.8 950.4 974.6 986.7 995.6 1,036.4 1,056.7 1,047.5 1,067.7 1,061.7 25 Net due to related foreign offices 88.4 122.0 152.0 161.2 150.6 144.8 151.4 160.9 162.1 134.7 145.0 150.8 26 Other liabilities 342.4 431.5 442.5 446.4 460.0 453.9 458.4 483.4 479.8 498.2 512.9 469.2 27 TOTAL LIABILITIES 6,021.4 6,428.8 6,479.2 6,445.7 6,508.6 6,568.5 6,616.2 6,717.0 6,746.7 6,761.8 6,815.2 6,785.3 28 Residual (assets less liabilities) (8) 467.9 483.2 492.2 495.4 534.9 511.7 493.1 520.7 527.9 519.8 523.0 500.4 ------------------------------------------------- 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 June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,487.4 5,853.1 5,928.7 5,906.2 5,968.7 5,983.8 6,023.0 6,111.1 6,122.9 6,167.7 6,166.0 6,152.4 2 Securities in bank credit 1,527.3 1,682.6 1,715.3 1,713.0 1,755.1 1,762.9 1,767.6 1,824.4 1,840.3 1,866.5 1,853.2 1,833.3 3 Treasury and Agency securities (2) 888.1 1,006.0 1,024.4 1,027.4 1,057.4 1,068.5 1,095.3 1,124.9 1,135.0 1,148.0 1,141.1 1,138.7 4 Other securities 639.3 676.5 691.0 685.6 697.8 694.4 672.4 699.4 705.4 718.5 712.0 694.6 5 Loans and leases in bank credit (3) 3,960.1 4,170.6 4,213.4 4,193.2 4,213.6 4,221.0 4,255.4 4,286.7 4,282.6 4,301.3 4,312.8 4,319.1 6 Commercial and industrial 1,003.0 968.0 964.7 955.6 953.2 951.0 951.5 940.7 937.7 929.7 923.5 925.2 7 Real estate 1,821.6 2,012.5 2,034.5 2,048.5 2,076.5 2,085.7 2,107.4 2,138.0 2,126.2 2,148.2 2,169.0 2,152.0 8 Revolving home equity 179.8 209.0 213.4 217.0 222.5 227.2 233.0 238.1 239.5 241.2 242.7 244.3 9 Other 1,641.8 1,803.4 1,821.1 1,831.5 1,854.0 1,858.5 1,874.4 1,899.9 1,886.7 1,907.0 1,926.3 1,907.7 10 Consumer 566.9 588.0 597.0 599.6 595.0 584.6 581.1 586.7 588.9 587.3 588.0 593.9 10a Credit card and related plans 222.6 231.6 238.5 234.0 225.8 219.6 215.2 220.4 223.6 220.8 220.5 225.8 10b Other 344.3 356.4 358.4 365.6 369.1 365.0 365.9 366.3 365.4 366.6 367.5 368.1 11 Security (4) 163.0 190.2 200.1 181.0 183.0 189.6 192.7 192.3 195.7 199.4 197.5 206.3 12 Other loans and leases 405.6 412.0 417.0 408.5 405.9 409.9 422.7 429.1 434.1 436.6 434.8 441.7 13 Interbank loans 284.8 330.6 335.4 304.0 302.2 320.8 318.3 314.3 307.7 326.5 323.6 325.7 14 Cash assets (5) 299.3 325.2 339.1 329.7 318.8 314.9 320.5 321.4 349.3 321.0 325.1 323.1 15 Other assets (6) 480.5 513.6 512.9 511.9 529.4 521.1 526.9 552.1 552.4 561.1 572.7 543.6 16 TOTAL ASSETS (7) 6,476.2 6,946.0 7,039.5 6,974.9 7,041.9 7,063.7 7,113.1 7,222.7 7,256.1 7,300.1 7,310.9 7,268.2 L I A B I L I T I E S 17 Deposits 4,344.7 4,524.3 4,538.2 4,530.3 4,556.3 4,592.8 4,638.5 4,639.5 4,647.8 4,706.3 4,685.8 4,698.9 18 Transaction 600.3 613.5 644.1 622.0 606.1 611.1 638.2 623.3 669.5 607.5 611.7 623.6 19 Nontransaction 3,744.5 3,910.8 3,894.1 3,908.2 3,950.2 3,981.6 4,000.3 4,016.2 3,978.4 4,098.7 4,074.1 4,075.3 20 Large time 1,045.1 1,009.6 991.3 996.0 1,005.8 1,004.3 989.7 1,002.6 1,006.7 1,014.3 996.5 1,010.6 21 Other 2,699.3 2,901.2 2,902.8 2,912.3 2,944.3 2,977.3 3,010.6 3,013.6 2,971.6 3,084.4 3,077.6 3,064.7 22 Borrowings 1,245.7 1,367.4 1,396.5 1,344.3 1,364.9 1,380.5 1,397.2 1,431.9 1,442.5 1,451.0 1,454.2 1,461.7 23 From banks in the U.S. 385.6 418.6 419.3 385.4 391.6 400.8 401.5 392.2 387.9 402.1 399.5 391.5 24 From others 860.1 948.8 977.2 958.9 973.2 979.7 995.7 1,039.7 1,054.6 1,048.9 1,054.7 1,070.2 25 Net due to related foreign offices 88.3 125.9 158.2 165.3 156.1 142.7 141.7 160.4 166.4 133.5 142.5 145.3 26 Other liabilities 341.9 437.5 449.5 450.2 466.3 450.3 445.9 482.6 484.8 497.0 510.1 463.3 27 TOTAL LIABILITIES 6,020.6 6,455.1 6,542.3 6,490.0 6,543.5 6,566.3 6,623.3 6,714.4 6,741.5 6,787.8 6,792.7 6,769.2 28 Residual (assets less liabilities) (8) 455.6 490.8 497.2 484.9 498.4 497.3 489.7 508.3 514.6 512.3 518.2 499.0 ------------------------------------------------- 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 June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,897.5 5,217.8 5,258.7 5,261.1 5,324.4 5,337.2 5,378.1 5,454.1 5,462.7 5,492.6 5,492.0 5,500.7 2 Securities in bank credit 1,299.7 1,431.5 1,447.1 1,439.7 1,472.7 1,480.1 1,498.5 1,544.3 1,558.2 1,574.3 1,559.1 1,559.8 3 Treasury and Agency securities (2) 816.5 910.8 918.2 918.7 940.5 947.1 976.5 1,002.6 1,010.3 1,018.5 1,013.7 1,022.7 4 Other securities 483.2 520.7 528.9 521.0 532.3 533.0 521.9 541.7 547.9 555.7 545.4 537.1 5 Loans and leases in bank credit (3) 3,597.9 3,786.3 3,811.7 3,821.4 3,851.7 3,857.2 3,879.6 3,909.7 3,904.5 3,918.4 3,932.9 3,940.9 6 Commercial and industrial 803.3 789.0 787.6 784.3 781.0 778.0 775.5 767.3 767.6 762.1 759.3 760.9 7 Real estate 1,800.6 1,988.0 2,010.5 2,028.4 2,061.0 2,074.9 2,092.0 2,115.0 2,103.7 2,126.5 2,145.2 2,136.2 8 Revolving home equity 178.9 209.2 213.8 217.7 222.2 229.3 233.3 236.9 238.4 240.6 241.9 243.4 9 Other 1,621.6 1,778.8 1,796.6 1,810.7 1,838.8 1,845.6 1,858.7 1,878.1 1,865.3 1,885.9 1,903.4 1,892.8 10 Consumer 568.4 585.6 588.1 591.9 591.8 586.9 583.9 587.9 590.1 590.1 591.9 599.5 11 Security (4) 88.8 81.1 79.4 71.5 73.2 72.2 72.4 80.9 80.8 83.2 78.9 82.1 12 Other loans and leases 336.7 342.6 346.1 345.4 344.7 345.2 355.8 358.7 362.3 356.5 357.5 362.1 13 Interbank loans 264.5 300.0 298.3 279.1 278.0 286.7 283.1 294.0 290.5 290.0 285.4 291.4 14 Cash assets (5) 256.5 273.0 272.3 273.6 279.6 282.7 276.7 273.0 286.6 257.5 291.5 270.2 15 Other assets (6) 456.3 475.5 472.2 468.8 491.9 486.9 489.5 506.6 510.2 513.0 529.0 497.7 16 TOTAL ASSETS (7) 5,799.5 6,190.0 6,225.4 6,206.0 6,297.5 6,317.3 6,352.2 6,452.1 6,474.3 6,477.7 6,522.3 6,484.2 L I A B I L I T I E S 17 Deposits 3,846.3 4,056.7 4,061.9 4,080.4 4,092.5 4,137.2 4,177.0 4,207.7 4,219.9 4,230.5 4,230.3 4,255.4 18 Transaction 599.4 596.7 602.1 598.2 603.5 608.1 621.0 622.4 662.0 586.9 614.5 614.1 19 Nontransaction 3,247.0 3,460.0 3,459.8 3,482.2 3,489.0 3,529.2 3,556.0 3,585.3 3,557.9 3,643.7 3,615.8 3,641.3 20 Large time 549.0 571.4 569.9 577.6 583.5 583.6 582.1 595.3 598.7 596.2 580.4 595.7 21 Other 2,697.9 2,888.6 2,889.9 2,904.6 2,905.5 2,945.6 2,974.0 2,990.0 2,959.2 3,047.5 3,035.4 3,045.6 22 Borrowings 1,050.9 1,114.9 1,119.4 1,062.1 1,092.7 1,095.9 1,099.1 1,124.4 1,133.2 1,132.3 1,153.3 1,139.8 23 From banks in the U.S. 362.7 396.7 387.5 349.8 357.0 363.7 369.9 358.1 355.7 366.0 373.6 355.9 24 From others 688.2 718.2 731.9 712.3 735.7 732.1 729.2 766.3 777.5 766.2 779.7 783.9 25 Net due to related foreign offices 180.2 196.3 212.1 231.5 229.1 229.2 228.0 238.7 238.1 220.2 230.6 232.8 26 Other liabilities 268.1 332.2 340.3 346.0 355.2 354.1 363.1 373.5 370.2 384.5 393.7 354.1 27 TOTAL LIABILITIES 5,345.5 5,700.0 5,733.7 5,720.0 5,769.5 5,816.4 5,867.2 5,944.4 5,961.5 5,967.5 6,007.9 5,982.2 28 Residual (assets less liabilities) (8) 454.0 489.9 491.7 486.0 528.0 501.0 485.0 507.7 512.9 510.2 514.4 502.0 ------------------------------------------------- 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 June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 4,896.8 5,229.6 5,282.7 5,270.5 5,323.4 5,327.9 5,372.8 5,454.2 5,457.1 5,501.6 5,496.8 5,493.2 2 Securities in bank credit 1,297.9 1,434.8 1,453.7 1,450.1 1,481.9 1,485.1 1,496.3 1,542.1 1,553.5 1,577.3 1,559.1 1,551.9 3 Treasury and Agency securities (2) 814.9 912.5 922.4 923.5 946.8 952.1 976.4 1,000.6 1,006.8 1,020.9 1,012.8 1,016.2 4 Other securities 483.0 522.3 531.3 526.6 535.1 533.0 519.9 541.5 546.7 556.4 546.3 535.7 5 Loans and leases in bank credit (3) 3,598.9 3,794.8 3,829.1 3,820.4 3,841.6 3,842.8 3,876.5 3,912.1 3,903.6 3,924.3 3,937.7 3,941.3 6 Commercial and industrial 809.2 787.7 784.9 778.3 777.6 777.8 780.3 773.0 771.4 766.7 761.8 764.4 7 Real estate 1,803.5 1,992.5 2,015.0 2,028.8 2,056.8 2,065.9 2,088.4 2,118.8 2,107.0 2,129.1 2,149.9 2,133.0 8 Revolving home equity 179.8 209.0 213.4 217.0 222.5 227.2 233.0 238.1 239.5 241.2 242.7 244.3 9 Other 1,623.7 1,783.5 1,801.7 1,811.8 1,834.3 1,838.7 1,855.4 1,880.7 1,867.5 1,887.9 1,907.2 1,888.7 10 Consumer 566.9 588.0 597.0 599.6 595.0 584.6 581.1 586.7 588.9 587.3 588.0 593.9 10a Credit card and related plans 222.6 231.6 238.5 234.0 225.8 219.6 215.2 220.4 223.6 220.8 220.5 225.8 10d Other 344.3 356.4 358.4 365.6 369.1 365.0 365.9 366.3 365.4 366.6 367.5 368.1 11 Security (4) 83.5 83.4 83.4 70.7 72.0 71.9 71.3 76.1 75.7 81.5 80.2 86.4 12 Other loans and leases 335.8 343.2 348.8 343.0 340.2 342.5 355.5 357.5 360.5 359.7 357.7 363.6 13 Interbank loans 261.6 305.1 305.4 275.9 275.2 293.3 294.3 289.6 281.2 299.1 290.8 293.0 14 Cash assets (5) 254.8 280.4 291.3 286.6 279.1 273.0 277.3 271.0 297.2 269.0 270.0 268.9 15 Other assets (6) 454.3 479.1 475.9 471.2 488.9 485.3 489.0 504.4 502.7 510.7 523.0 492.5 16 TOTAL ASSETS (7) 5,792.0 6,218.0 6,279.2 6,227.7 6,289.8 6,302.9 6,358.3 6,443.4 6,462.5 6,504.6 6,504.7 6,471.6 L I A B I L I T I E S 17 Deposits 3,834.6 4,071.6 4,101.8 4,087.5 4,103.3 4,140.3 4,196.2 4,195.3 4,201.4 4,253.3 4,230.0 4,244.3 18 Transaction 590.1 604.0 634.1 612.0 595.8 600.0 627.5 612.7 658.6 596.8 601.3 612.6 19 Nontransaction 3,244.5 3,467.6 3,467.7 3,475.6 3,507.4 3,540.3 3,568.7 3,582.6 3,542.8 3,656.5 3,628.6 3,631.7 20 Large time 547.4 575.4 572.7 578.9 584.4 582.1 580.2 593.5 596.8 597.2 582.2 596.2 21 Other 2,697.1 2,892.2 2,895.0 2,896.7 2,923.0 2,958.2 2,988.5 2,989.2 2,946.0 3,059.4 3,046.5 3,035.5 22 Borrowings 1,056.3 1,116.2 1,118.5 1,075.2 1,094.9 1,092.2 1,103.2 1,130.1 1,130.7 1,135.2 1,135.0 1,148.6 23 From banks in the U.S. 365.0 393.5 389.2 354.4 360.5 367.1 374.0 360.5 355.3 367.5 368.3 356.2 24 From others 691.3 722.7 729.3 720.8 734.4 725.1 729.2 769.6 775.4 767.7 766.7 792.4 25 Net due to related foreign offices 179.6 201.5 216.6 233.1 233.4 224.9 218.7 237.8 241.7 220.1 229.8 229.8 26 Other liabilities 267.3 339.1 346.1 348.0 360.6 348.8 351.0 372.4 374.7 384.3 392.3 350.4 27 TOTAL LIABILITIES 5,337.8 5,728.4 5,783.0 5,743.8 5,792.1 5,806.2 5,869.1 5,935.7 5,948.5 5,992.9 5,987.1 5,973.1 28 Residual (assets less liabilities) (8) 454.2 489.6 496.1 483.9 497.7 496.7 489.2 507.7 514.0 511.7 517.6 498.5 ------------------------------------------------- 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 June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,638.9 2,832.2 2,861.3 2,858.7 2,905.2 2,902.4 2,922.7 2,987.4 2,992.7 3,015.6 3,011.9 3,005.4 2 Securities in bank credit 664.7 769.6 778.9 773.1 804.2 801.8 808.6 855.1 870.4 884.5 870.9 872.4 3 Treasury and Agency securities (2) 391.0 454.9 457.0 459.8 478.4 475.1 491.8 518.5 528.8 532.8 528.8 535.8 3a Trading account 42.9 47.9 44.6 41.2 54.5 41.8 40.7 43.6 40.4 44.2 42.8 36.5 3b Investment account 348.1 407.0 412.4 418.5 424.0 433.2 451.1 474.9 488.4 488.6 486.0 499.2 4 Other securities 273.7 314.7 321.9 313.3 325.7 326.7 316.8 336.6 341.6 351.7 342.1 336.6 4a Trading account 140.4 161.0 164.9 160.0 172.6 171.6 161.5 183.4 188.5 199.0 189.6 182.3 4b Investment account 133.4 153.7 157.0 153.3 153.1 155.1 155.3 153.2 153.1 152.7 152.5 154.3 4c State and local government 26.9 29.3 29.5 29.4 29.6 30.1 30.9 31.3 31.7 31.7 31.8 32.3 4d Other 106.5 124.4 127.5 123.9 123.5 125.0 124.4 121.9 121.4 121.0 120.7 122.0 5 Loans and leases in bank credit (3) 1,974.1 2,062.6 2,082.4 2,085.6 2,101.0 2,100.6 2,114.0 2,132.3 2,122.3 2,131.1 2,141.0 2,133.0 6 Commercial and industrial 510.3 485.6 483.5 480.8 475.8 472.0 469.6 461.4 460.9 455.2 452.8 452.7 7 Real estate 854.4 970.3 990.6 1,006.7 1,028.3 1,035.2 1,041.4 1,056.8 1,044.7 1,060.6 1,074.3 1,060.3 8 Revolving home equity 112.7 133.0 136.9 140.0 142.5 147.9 150.5 152.8 153.9 154.4 155.4 156.0 9 Other 741.7 837.3 853.7 866.7 885.9 887.3 890.9 903.9 890.8 906.2 918.9 904.3 10 Consumer 289.1 296.6 296.8 296.9 294.9 291.4 289.9 290.1 290.0 292.2 293.4 293.5 11 Security (4) 82.0 73.1 71.3 63.1 64.5 63.6 63.8 71.7 71.5 73.7 69.6 72.4 11a Fed funds and RPs with broker/dealer 69.8 62.3 60.9 52.4 53.8 52.2 52.0 58.0 56.8 61.8 57.7 60.7 11b Other 12.2 10.8 10.4 10.6 10.7 11.4 11.8 13.8 14.7 12.0 11.9 11.7 12a State and local government 13.1 12.2 11.9 12.0 12.3 12.5 12.4 12.4 12.5 12.7 12.6 12.6 12b Agricultural 9.3 8.2 8.2 8.1 7.8 7.8 7.7 7.5 7.4 7.4 7.4 7.3 12c Fed funds and RPs with others 19.5 18.9 24.7 23.6 23.6 23.2 24.4 26.2 26.5 26.5 26.6 27.4 12d All other loans 67.7 73.9 74.4 75.4 75.1 76.6 87.6 88.9 91.3 85.5 87.2 89.9 12e Lease financing receivables 128.7 123.9 120.9 119.0 118.7 118.3 117.3 117.4 117.6 117.4 117.1 116.9 13 Interbank loans 176.6 185.5 183.2 157.0 153.5 162.5 161.6 161.4 152.3 154.5 155.2 154.5 13a Fed funds and RPs with banks 91.0 91.1 88.7 88.2 83.4 91.9 90.5 92.1 84.3 89.9 87.6 89.2 13b Other 85.6 94.4 94.5 68.8 70.1 70.6 71.1 69.3 68.0 64.7 67.7 65.3 14 Cash assets (5) 143.4 146.8 147.9 147.6 149.0 149.3 141.2 138.5 150.2 130.2 152.8 137.4 15 Other assets (6) 315.1 333.8 330.3 327.1 347.0 339.9 339.8 349.6 354.1 354.3 366.3 348.4 16 TOTAL ASSETS (7) 3,229.5 3,453.8 3,478.9 3,445.7 3,510.0 3,509.2 3,521.2 3,592.7 3,605.3 3,610.6 3,642.0 3,601.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 6 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars (continued) June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,829.7 1,943.4 1,952.4 1,962.3 1,962.8 1,981.5 2,005.6 2,012.4 2,015.6 2,019.9 2,017.3 2,040.8 18 Transaction 296.6 285.8 289.1 286.3 288.5 288.8 293.8 294.9 317.7 272.7 294.1 295.7 19 Nontransaction 1,533.1 1,657.6 1,663.4 1,675.9 1,674.4 1,692.7 1,711.8 1,717.5 1,697.9 1,747.2 1,723.2 1,745.0 20 Large time 249.4 265.4 261.4 269.7 272.4 267.8 266.0 277.8 280.1 276.4 259.1 274.6 21 Other 1,283.7 1,392.2 1,402.0 1,406.2 1,402.0 1,424.9 1,445.9 1,439.7 1,417.9 1,470.8 1,464.2 1,470.4 22 Borrowings 722.2 741.7 730.4 655.1 682.2 688.5 686.2 703.5 715.9 720.2 731.3 709.8 23 From banks in the U.S. 250.6 269.4 249.4 193.6 196.2 204.7 208.9 200.2 197.3 212.9 217.1 197.9 24 From others 471.6 472.3 481.1 461.4 485.9 483.8 477.4 503.3 518.6 507.4 514.2 511.8 25 Net due to related foreign offices 168.5 185.0 199.7 216.4 216.5 218.5 215.2 226.3 225.3 208.5 220.6 222.8 26 Other liabilities 205.0 265.4 276.0 274.6 278.7 273.7 282.0 290.0 284.3 299.9 308.8 271.7 27 TOTAL LIABILITIES 2,925.4 3,135.4 3,158.6 3,108.3 3,140.2 3,162.3 3,189.0 3,232.1 3,241.2 3,248.5 3,278.0 3,245.0 28 Residual (assets less liabilities) (8) 304.1 318.3 320.3 337.4 369.8 346.9 332.3 360.6 364.1 362.2 363.9 356.5 ------------------------------------------------- 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 June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,639.6 2,840.5 2,873.8 2,866.0 2,907.3 2,896.3 2,919.2 2,989.1 2,989.8 3,028.9 3,018.4 3,010.4 2 Securities in bank credit 663.6 774.0 784.0 781.7 812.5 804.1 805.0 853.6 866.7 889.5 871.5 866.2 3 Treasury and Agency securities (2) 390.1 457.8 459.8 462.8 483.9 477.3 490.2 517.3 526.4 537.2 528.5 531.0 3a Trading account 42.8 48.2 44.9 41.5 55.1 42.1 40.6 43.5 40.3 44.5 42.8 36.2 3b Investment account 347.3 409.6 414.9 421.3 428.9 435.3 449.6 473.8 486.1 492.6 485.7 494.8 3c Mortgage-backed 272.9 325.5 317.8 323.8 330.0 333.2 352.9 378.7 388.7 394.7 385.8 387.4 3d Other 74.4 84.1 97.1 97.5 98.8 102.0 96.7 95.0 97.4 97.9 99.9 107.5 3e 1 year or less 16.0 23.2 24.1 21.3 22.9 24.4 24.6 23.2 23.2 23.4 23.8 25.2 3f Between 1 and 5 years 45.4 47.4 56.6 58.6 57.4 57.4 55.2 55.2 55.8 56.0 56.4 59.3 3g More than 5 years 13.0 13.6 16.4 17.5 18.6 20.3 16.9 16.7 18.3 18.5 19.7 23.0 4 Other securities 273.5 316.2 324.3 318.9 328.5 326.8 314.8 336.3 340.4 352.4 343.0 335.2 4a Trading account 140.2 161.8 166.1 162.9 174.1 171.7 160.5 183.2 187.8 199.4 190.1 181.5 4b Investment account 133.3 154.5 158.1 156.0 154.4 155.1 154.3 153.1 152.6 153.0 152.9 153.6 4c State and local government 26.9 29.4 29.7 30.0 29.8 30.1 30.7 31.3 31.6 31.7 31.9 32.1 4d Other 106.4 125.0 128.4 126.1 124.6 125.0 123.6 121.8 121.0 121.2 121.0 121.5 5 Loans and leases in bank credit (3) 1,976.0 2,066.5 2,089.8 2,084.3 2,094.9 2,092.2 2,114.2 2,135.5 2,123.0 2,139.4 2,146.9 2,144.2 6 Commercial and industrial 513.7 485.8 480.9 476.2 473.8 471.9 472.2 464.5 462.4 457.9 453.5 455.4 7 Real estate 857.9 973.0 991.9 1,005.6 1,024.0 1,028.3 1,039.5 1,061.1 1,048.2 1,065.2 1,079.3 1,062.4 8 Revolving home equity 113.5 132.7 136.0 139.1 142.8 146.2 150.4 154.0 154.9 155.2 156.1 157.4 9a Other residential 427.8 520.5 536.6 546.2 561.0 561.7 570.5 589.1 575.7 592.7 605.4 587.3 9b Commercial 316.5 319.8 319.3 320.2 320.2 320.4 318.6 318.0 317.5 317.3 317.8 317.8 10 Consumer 289.8 295.3 299.3 301.7 298.1 292.0 290.5 291.0 291.0 292.9 293.3 293.9 10a Credit card and related plans 116.2 114.6 117.3 115.3 109.7 105.9 103.5 103.8 105.1 106.1 106.0 106.7 10f Other 173.6 180.6 182.0 186.4 188.3 186.1 187.0 187.1 185.9 186.7 187.3 187.2 11 Security (4) 76.8 75.1 75.2 62.6 63.5 63.1 62.5 67.1 66.8 71.7 70.7 76.9 11a Fed funds and RPs with broker/dealer 65.3 64.0 64.3 52.1 52.9 51.8 50.9 54.3 53.1 60.1 58.6 64.5 11b Other 11.4 11.1 10.9 10.6 10.6 11.3 11.6 12.9 13.7 11.6 12.1 12.4 12a State and local government 13.1 12.2 11.9 12.0 12.3 12.5 12.4 12.4 12.5 12.7 12.6 12.6 12b Agricultural 9.4 8.1 8.2 8.2 7.8 7.8 7.6 7.5 7.5 7.5 7.5 7.5 12c Fed funds and RPs with others 19.5 18.9 24.7 23.6 23.6 23.2 24.4 26.2 26.5 26.5 26.6 27.4 12d All other loans 67.3 74.8 76.5 73.6 71.7 74.4 87.4 88.3 90.8 87.8 86.6 91.7 12e Lease financing receivables 128.7 123.3 121.2 120.8 120.0 119.1 117.7 117.4 117.4 117.1 116.7 116.4 13 Interbank loans 177.4 187.0 187.7 160.2 151.8 162.6 164.9 162.1 154.3 159.0 155.4 160.7 13a Fed funds and RPs with banks 91.4 91.8 90.9 90.0 82.5 92.0 92.4 92.5 85.3 92.4 87.6 92.8 13b Other 86.0 95.2 96.8 70.2 69.3 70.6 72.5 69.6 68.9 66.5 67.7 67.9 14 Cash assets (5) 142.6 149.9 159.6 156.4 148.9 144.2 144.0 137.5 156.4 135.5 138.8 138.1 15 Other assets (6) 313.1 337.3 334.1 329.5 344.0 338.3 339.3 347.4 346.7 352.0 360.2 343.2 16 TOTAL ASSETS (7) 3,228.1 3,470.6 3,511.3 3,467.7 3,506.9 3,496.3 3,523.6 3,591.8 3,602.8 3,631.0 3,628.2 3,608.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 8 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars (continued) June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 1,825.5 1,950.2 1,968.9 1,963.2 1,966.9 1,979.6 2,013.0 2,008.0 2,010.2 2,039.6 2,021.3 2,045.6 18 Transaction 292.5 289.7 309.4 295.2 284.2 284.4 300.0 290.6 318.0 278.2 284.7 297.0 19 Nontransaction 1,533.0 1,660.6 1,659.5 1,668.0 1,682.7 1,695.2 1,713.1 1,717.4 1,692.2 1,761.4 1,736.7 1,748.5 20 Large time 247.8 269.4 264.3 271.0 273.3 266.4 264.1 276.0 278.1 277.3 260.9 275.1 21 Other 1,285.2 1,391.2 1,395.2 1,397.0 1,409.4 1,428.8 1,449.0 1,441.4 1,414.0 1,484.1 1,475.8 1,473.4 22 Borrowings 727.5 743.0 729.6 668.2 684.4 684.8 690.4 709.2 713.4 723.1 713.0 718.6 23 From banks in the U.S. 252.8 266.1 251.1 198.2 199.7 208.1 213.0 202.6 196.9 214.3 211.8 198.3 24 From others 474.7 476.9 478.4 470.0 484.6 476.7 477.4 506.6 516.5 508.8 501.2 520.3 25 Net due to related foreign offices 168.0 190.2 204.2 218.0 220.8 214.2 205.9 225.4 229.0 208.4 219.7 219.7 26 Other liabilities 204.2 272.4 281.8 276.6 284.1 268.5 269.8 288.9 288.8 299.7 307.5 267.9 27 TOTAL LIABILITIES 2,925.2 3,155.8 3,184.5 3,125.9 3,156.1 3,147.1 3,179.1 3,231.5 3,241.3 3,270.8 3,261.6 3,251.9 28 Residual (assets less liabilities) (8) 302.9 314.8 326.9 341.8 350.7 349.1 344.4 360.3 361.5 360.2 366.6 356.2 ------------------------------------------------- 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 June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,258.7 2,385.6 2,397.4 2,402.5 2,419.2 2,434.8 2,455.4 2,466.7 2,470.0 2,477.0 2,480.1 2,495.3 2 Securities in bank credit 635.0 661.9 668.1 666.6 668.5 678.3 689.8 689.3 687.8 689.8 688.2 687.5 3 Treasury and Agency securities (2) 425.5 455.9 461.1 459.0 462.0 472.0 484.7 484.1 481.5 485.7 484.9 486.9 4 Other securities 209.5 206.0 207.0 207.7 206.5 206.2 205.1 205.2 206.3 204.0 203.3 200.6 5 Loans and leases in bank credit (3) 1,623.7 1,723.7 1,729.3 1,735.8 1,750.7 1,756.6 1,765.6 1,777.4 1,782.2 1,787.3 1,791.9 1,807.8 6 Commercial and industrial 293.0 303.4 304.1 303.5 305.3 306.0 305.9 305.9 306.8 306.9 306.5 308.2 7 Real estate 946.1 1,017.7 1,019.8 1,021.7 1,032.7 1,039.7 1,050.6 1,058.2 1,059.0 1,065.9 1,071.0 1,075.9 8 Revolving home equity 66.2 76.2 77.0 77.7 79.7 81.4 82.8 84.1 84.5 86.2 86.5 87.5 9 Other 879.9 941.5 942.9 944.0 953.0 958.3 967.8 974.1 974.5 979.7 984.5 988.5 10 Consumer 279.4 288.9 291.3 295.0 296.9 295.5 294.0 297.8 300.1 298.0 298.5 306.1 11 Security (4) 6.8 8.0 8.0 8.4 8.6 8.6 8.6 9.1 9.3 9.5 9.3 9.7 12 Other loans and leases 98.3 105.6 106.0 107.2 107.2 106.8 106.5 106.3 107.0 107.0 106.6 107.9 13 Interbank loans 87.8 114.6 115.1 122.2 124.4 124.2 121.5 132.6 138.2 135.4 130.2 136.9 14 Cash assets (5) 113.1 126.3 124.4 126.0 130.6 133.5 135.5 134.5 136.3 127.3 138.7 132.8 15 Other assets (6) 141.2 141.8 141.8 141.7 144.9 147.0 149.7 157.0 156.0 158.7 162.7 149.2 16 TOTAL ASSETS (7) 2,570.0 2,736.2 2,746.4 2,760.3 2,787.5 2,808.1 2,831.0 2,859.4 2,869.0 2,867.1 2,880.3 2,882.7 L I A B I L I T I E S 17 Deposits 2,016.7 2,113.3 2,109.5 2,118.1 2,129.7 2,155.7 2,171.4 2,195.3 2,204.3 2,210.6 2,213.0 2,214.7 18 Transaction 302.8 310.9 313.0 311.9 315.0 319.3 327.2 327.5 344.3 314.2 320.4 318.4 19 Nontransaction 1,713.9 1,802.5 1,796.4 1,806.2 1,814.6 1,836.4 1,844.2 1,867.8 1,860.0 1,896.5 1,892.5 1,896.3 20 Large time 299.6 306.0 308.4 307.8 311.1 315.7 316.1 317.5 318.7 319.8 321.3 321.0 21 Other 1,414.3 1,496.4 1,488.0 1,498.4 1,503.6 1,520.7 1,528.1 1,550.3 1,541.3 1,576.7 1,571.2 1,575.2 22 Borrowings 328.7 373.2 388.9 407.1 410.6 407.4 412.8 420.9 417.3 412.1 421.9 430.0 23 From banks in the U.S. 112.1 127.3 138.1 156.2 160.8 159.1 161.0 157.9 158.4 153.2 156.5 157.9 24 From others 216.6 245.9 250.8 250.8 249.8 248.3 251.8 263.0 259.0 258.9 265.5 272.1 25 Net due to related foreign offices 11.6 11.3 12.4 15.1 12.6 10.7 12.8 12.4 12.7 11.8 10.0 10.0 26 Other liabilities 63.1 66.8 64.3 71.4 76.5 80.3 81.2 83.6 85.9 84.6 84.9 82.4 27 TOTAL LIABILITIES 2,420.1 2,564.6 2,575.1 2,611.7 2,629.3 2,654.1 2,678.3 2,712.2 2,720.3 2,719.1 2,729.8 2,737.2 28 Residual (assets less liabilities) (8) 149.9 171.6 171.3 148.6 158.2 154.0 152.7 147.1 148.8 148.0 150.5 145.5 ------------------------------------------------- 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 June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,257.1 2,389.1 2,408.9 2,404.5 2,416.1 2,431.5 2,453.6 2,465.1 2,467.3 2,472.7 2,478.5 2,482.8 2 Securities in bank credit 634.3 660.8 669.7 668.4 669.4 680.9 691.3 688.5 686.8 687.8 687.6 685.7 3 Treasury and Agency securities (2) 424.8 454.7 462.6 460.7 462.8 474.7 486.2 483.3 480.5 483.8 484.3 485.2 4 Other securities 209.5 206.0 207.0 207.7 206.5 206.2 205.1 205.2 206.3 204.0 203.3 200.6 5 Loans and leases in bank credit (3) 1,622.9 1,728.3 1,739.3 1,736.1 1,746.7 1,750.6 1,762.3 1,776.6 1,780.6 1,784.9 1,790.8 1,797.1 6 Commercial and industrial 295.5 301.9 303.9 302.1 303.8 305.9 308.1 308.5 309.0 308.8 308.3 309.0 7 Real estate 945.7 1,019.5 1,023.1 1,023.2 1,032.8 1,037.6 1,048.8 1,057.7 1,058.8 1,063.9 1,070.6 1,070.6 8 Revolving home equity 66.3 76.4 77.4 77.9 79.7 81.0 82.6 84.1 84.5 86.0 86.6 86.9 9 Other 879.4 943.1 945.7 945.3 953.0 956.6 966.3 973.6 974.3 977.9 984.1 983.6 10 Consumer 277.1 292.7 297.7 297.8 296.9 292.6 290.6 295.7 298.0 294.5 294.6 300.0 10a Credit card and related plans 106.4 116.9 121.2 118.7 116.1 113.8 111.7 116.6 118.5 114.6 114.4 119.1 10h Other 170.7 175.8 176.5 179.1 180.8 178.9 178.9 179.1 179.5 179.8 180.2 180.9 11 Security (4) 6.7 8.3 8.2 8.1 8.5 8.8 8.8 9.0 8.9 9.7 9.6 9.5 12 Other loans and leases 97.9 106.0 106.3 104.9 104.7 105.7 106.0 105.7 105.8 108.0 107.7 108.0 13 Interbank loans 84.1 118.1 117.7 115.8 123.4 130.7 129.4 127.5 126.9 140.1 135.5 132.3 14 Cash assets (5) 112.2 130.5 131.8 130.2 130.2 128.8 133.2 133.4 140.9 133.5 131.2 130.8 15 Other assets (6) 141.2 141.8 141.8 141.7 144.9 147.0 149.7 157.0 156.0 158.7 162.7 149.2 16 TOTAL ASSETS (7) 2,563.9 2,747.4 2,767.8 2,760.0 2,782.9 2,806.7 2,834.7 2,851.6 2,859.7 2,873.7 2,876.5 2,863.5 L I A B I L I T I E S 17 Deposits 2,009.1 2,121.4 2,132.9 2,124.4 2,136.4 2,160.7 2,183.2 2,187.3 2,191.2 2,213.7 2,208.6 2,198.7 18 Transaction 297.6 314.3 324.7 316.8 311.7 315.6 327.6 322.1 340.6 318.6 316.7 315.5 19 Nontransaction 1,711.5 1,807.1 1,808.2 1,807.5 1,824.7 1,845.1 1,855.6 1,865.2 1,850.6 1,895.1 1,892.0 1,883.2 20 Large time 299.6 306.0 308.4 307.8 311.1 315.7 316.1 317.5 318.7 319.8 321.3 321.0 21 Other 1,411.9 1,501.1 1,499.8 1,499.7 1,513.6 1,529.4 1,539.5 1,547.7 1,532.0 1,575.3 1,570.7 1,562.2 22 Borrowings 328.7 373.2 388.9 407.1 410.6 407.4 412.8 420.9 417.3 412.1 421.9 430.0 23 From banks in the U.S. 112.1 127.3 138.1 156.2 160.8 159.1 161.0 157.9 158.4 153.2 156.5 157.9 24 From others 216.6 245.9 250.8 250.8 249.8 248.3 251.8 263.0 259.0 258.9 265.5 272.1 25 Net due to related foreign offices 11.6 11.3 12.4 15.1 12.6 10.7 12.8 12.4 12.7 11.8 10.0 10.0 26 Other liabilities 63.1 66.8 64.3 71.4 76.5 80.3 81.2 83.6 85.9 84.6 84.9 82.4 27 TOTAL LIABILITIES 2,412.6 2,572.7 2,598.6 2,617.9 2,636.0 2,659.1 2,690.0 2,704.2 2,707.2 2,722.1 2,725.5 2,721.2 28 Residual (assets less liabilities) (8) 151.3 174.8 169.3 142.1 146.9 147.6 144.7 147.4 152.5 151.5 151.0 142.3 ------------------------------------------------- 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 June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 594.9 620.0 635.9 628.0 640.9 657.8 650.3 661.7 670.2 672.1 674.5 658.9 2 Securities in bank credit 229.5 247.8 261.6 262.9 273.3 277.8 271.3 282.3 286.8 289.1 294.0 281.3 3 Treasury and Agency securities (2) 73.2 93.5 101.9 103.8 110.6 116.4 118.9 124.3 128.1 127.0 128.3 122.5 4 Other securities 156.3 154.3 159.7 159.1 162.7 161.4 152.5 158.0 158.7 162.1 165.7 158.9 5 Loans and leases in bank credit (3) 365.4 372.2 374.3 365.1 367.6 380.0 379.0 379.4 383.4 383.0 380.4 377.6 6 Commercial and industrial 195.9 179.0 178.4 177.2 174.1 171.7 172.2 169.5 168.5 163.8 162.7 161.6 7 Real estate 18.1 20.0 19.5 19.7 19.7 19.8 19.0 19.2 19.2 19.1 19.1 19.0 11 Security (4) 81.1 104.7 110.1 103.4 108.1 122.0 121.0 118.5 121.6 123.4 121.4 118.4 12 Other loans and leases 70.3 68.6 66.3 64.8 65.6 66.5 66.8 72.2 74.1 76.7 77.2 78.5 13 Interbank loans 23.3 25.5 30.0 28.1 27.0 27.5 24.0 24.7 26.5 27.5 32.8 32.7 14 Cash assets (5) 46.0 42.3 44.6 40.1 38.7 43.0 45.2 52.2 53.8 53.3 58.1 56.8 15 Other assets (6) 26.1 34.6 35.9 39.3 39.9 35.0 38.0 47.5 50.1 51.4 50.9 53.6 16 TOTAL ASSETS (7) 689.8 722.0 746.1 735.1 746.1 762.9 757.1 785.6 800.2 803.9 815.8 801.5 L I A B I L I T I E S 17 Deposits 503.8 452.6 425.5 426.6 442.9 448.4 436.3 438.7 439.9 450.2 454.5 457.0 18 Transaction 10.6 9.2 9.2 9.7 10.3 11.5 11.3 11.0 11.1 11.2 11.2 11.4 19 Nontransaction 493.2 443.3 416.4 416.8 432.6 436.9 425.0 427.7 428.8 439.0 443.3 445.6 22 Borrowings 189.4 251.2 277.9 269.1 270.0 288.3 293.9 301.8 311.8 315.8 319.2 313.1 23 From banks in the U.S. 20.6 25.2 30.0 31.0 31.1 33.7 27.5 31.8 32.6 34.6 31.2 35.3 24 From others 168.8 226.0 247.9 238.1 238.9 254.6 266.4 270.1 279.1 281.2 288.0 277.8 25 Net due to related foreign offices -91.7 -74.3 -60.1 -70.4 -78.4 -84.4 -76.6 -77.8 -76.0 -85.5 -85.7 -82.0 26 Other liabilities 74.3 99.3 102.1 100.5 104.8 99.9 95.2 109.9 109.6 113.7 119.3 115.1 27 TOTAL LIABILITIES 675.9 728.8 745.6 725.7 739.2 752.2 749.0 772.7 785.2 794.3 807.3 803.1 28 Residual (assets less liabilities) (8) 14.0 -6.8 0.5 9.4 6.9 10.7 8.1 12.9 15.0 9.6 8.5 -1.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 12 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 590.6 623.6 646.0 635.7 645.3 656.0 650.2 657.0 665.8 666.1 669.2 659.2 2 Securities in bank credit (2) 229.5 247.8 261.6 262.9 273.3 277.8 271.3 282.3 286.8 289.1 294.0 281.3 3 Treasury and Agency securities 73.2 93.5 101.9 103.8 110.6 116.4 118.9 124.3 128.1 127.0 128.3 122.5 3a Trading account 10.1 20.3 30.6 32.6 36.4 37.1 39.5 43.0 45.2 46.2 46.5 42.2 3b Investment account 63.1 73.2 71.3 71.2 74.2 79.3 79.4 81.4 82.9 80.8 81.9 80.3 4 Other securities 156.3 154.3 159.7 159.1 162.7 161.4 152.5 158.0 158.7 162.1 165.7 158.9 4a Trading account 99.9 100.4 101.2 101.9 102.0 101.7 98.1 105.1 105.9 108.4 111.1 105.1 4b Investment account 56.4 53.9 58.4 57.2 60.7 59.7 54.3 52.9 52.8 53.7 54.6 53.8 5 Loans and leases in bank credit (3) 361.2 375.8 384.3 372.8 372.0 378.2 378.9 374.7 379.0 376.9 375.1 377.8 6 Commercial and industrial 193.8 180.3 179.8 177.3 175.6 173.2 171.3 167.7 166.2 162.9 161.6 160.8 7 Real estate 18.1 20.0 19.5 19.7 19.7 19.8 19.0 19.2 19.2 19.1 19.1 19.0 11 Security (4) 79.5 106.8 116.7 110.4 111.0 117.7 121.3 116.2 120.0 118.0 117.3 119.9 12 Other loans and leases 69.8 68.7 68.3 65.5 65.7 67.4 67.2 71.6 73.6 77.0 77.1 78.1 13 Interbank loans 23.3 25.5 30.0 28.1 27.0 27.5 24.0 24.7 26.5 27.5 32.8 32.7 14 Cash assets (5) 44.5 44.7 47.8 43.1 39.7 41.9 43.2 50.5 52.1 51.9 55.1 54.1 15 Other assets (6) 26.2 34.5 37.0 40.7 40.5 35.8 37.8 47.7 49.7 50.4 49.7 51.1 16 TOTAL ASSETS (7) 684.2 727.9 760.4 747.2 752.1 760.8 754.8 779.3 793.6 795.4 806.2 796.6 L I A B I L I T I E S 17 Deposits 510.2 452.7 436.4 442.7 453.0 452.5 442.3 444.1 446.4 453.0 455.9 454.6 18 Transaction 10.2 9.5 10.0 10.0 10.3 11.1 10.7 10.6 10.9 10.8 10.4 11.0 19 Nontransaction 500.0 443.1 426.4 432.7 442.8 441.3 431.6 433.6 435.6 442.2 445.5 443.6 22 Borrowings 189.4 251.2 277.9 269.1 270.0 288.3 293.9 301.8 311.8 315.8 319.2 313.1 23 From banks in the U.S. 20.6 25.2 30.0 31.0 31.1 33.7 27.5 31.8 32.6 34.6 31.2 35.3 24 From others 168.8 226.0 247.9 238.1 238.9 254.6 266.4 270.1 279.1 281.2 288.0 277.8 25 Net due to related foreign offices -91.3 -75.6 -58.4 -67.8 -77.3 -82.2 -77.0 -77.4 -75.3 -86.7 -87.2 -84.5 26 Other liabilities 74.5 98.4 103.3 102.2 105.7 101.5 94.9 110.2 110.1 112.7 117.8 112.9 27 TOTAL LIABILITIES 682.9 726.7 759.3 746.2 751.4 760.1 754.2 778.7 793.0 794.8 805.7 796.1 28 Residual (assets less liabilities) (8) 1.3 1.3 1.1 1.0 0.8 0.6 0.6 0.6 0.6 0.6 0.6 0.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars June 27, 2003 Account 2002 2002 2002 2003 2003 2003 2003 2003 Week ending May Nov Dec Jan Feb Mar Apr May May 28 Jun 4 Jun 11 Jun 18 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 80.8 105.2 112.5 107.6 116.8 115.1 105.7 128.1 130.2 141.5 142.4 131.8 30 Reval. losses on off-bal. sheet items (9) 62.2 89.0 93.8 86.2 94.9 91.3 81.4 105.1 106.8 115.7 117.4 108.3 31 Mortgage-backed securities (10) 307.3 371.2 363.9 369.6 375.6 380.0 399.3 425.6 435.4 441.9 432.7 434.3 31a Pass-through 210.8 274.6 265.7 271.2 276.5 275.8 288.1 313.8 326.1 328.2 320.4 324.9 31b CMO, REMIC, and other 96.6 96.6 98.2 98.4 99.1 104.1 111.2 111.8 109.4 113.7 112.3 109.4 32 Net unrealized gains (losses) on available-for-sale securities (11) 4.3 11.3 10.7 11.8 11.7 11.7 10.6 12.1 12.1 15.1 15.0 14.0 33 Offshore credit to U.S. residents (12) 19.6 18.5 18.7 18.3 18.2 18.2 17.5 17.3 17.4 16.7 16.6 16.6 34 Securitized consumer loans (13) 135.8 148.5 150.1 149.7 150.6 152.5 154.2 155.0 156.1 155.7 155.5 155.7 34a Credit card and related plans 122.3 131.4 133.2 132.2 134.8 136.7 138.7 139.4 139.3 139.4 139.4 139.6 34b Other 13.5 17.0 16.9 17.5 15.8 15.8 15.5 15.5 16.8 16.2 16.1 16.1 35 Securitized business loans (13) 17.1 17.4 17.2 16.9 17.2 16.8 16.5 17.0 16.6 16.8 16.8 16.7 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 293.9 307.0 310.5 310.0 315.8 327.1 336.5 335.2 331.3 334.1 334.0 332.7 34 Securitized consumer loans (13) 207.6 198.7 201.3 205.4 204.2 202.8 205.2 205.0 205.4 206.5 206.7 205.1 34a Credit card and related plans 200.0 189.8 192.5 197.0 195.8 194.3 196.9 196.8 197.2 198.4 198.6 197.0 34b Other 7.6 8.9 8.7 8.5 8.4 8.5 8.3 8.2 8.2 8.2 8.2 8.1 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 50.0 63.3 64.1 67.0 67.1 65.2 63.8 73.5 74.2 75.8 77.3 71.6 30 Reval. losses on off-bal. sheet items (9) 42.8 60.3 60.1 63.0 64.9 63.4 61.6 72.6 73.6 75.8 77.1 71.7 35 Securitized business loans (13) 10.5 7.2 6.8 5.6 4.6 4.1 3.3 3.0 2.9 3.1 3.1 3.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 June 27, 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.