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: September 26, 2003
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Notice to users of the H.8 release: Data on the attached H.8 have been benchmarked to the June 2003 Call Reports.  Data on the previous release were benchmarked
to the March 2003 Call Reports.


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                                                                                                                        September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,661.4   5,962.1   5,992.5   6,027.0   6,134.1   6,195.8   6,237.1   6,223.3       6,208.0   6,228.5   6,255.1   6,209.6

  2     Securities in bank credit                        1,629.5   1,754.1   1,766.1   1,778.7   1,837.4   1,862.3   1,817.4   1,775.0       1,767.8   1,774.2   1,782.1   1,757.3
  3        Treasury and Agency securities (2)              943.7   1,059.4   1,072.2   1,104.4   1,135.2   1,151.4   1,114.9   1,076.4       1,071.5   1,081.7   1,079.4   1,053.8
  4        Other securities                                685.8     694.7     693.9     674.3     702.2     710.9     702.5     698.5         696.4     692.4     702.8     703.4

  5     Loans and leases in bank credit (3)              4,031.9   4,208.0   4,226.4   4,248.3   4,296.7   4,333.5   4,419.7   4,448.3       4,440.2   4,454.4   4,472.9   4,452.3
  6        Commercial and industrial                       978.4     953.4     947.8     946.9     938.8     927.0     930.3     922.4         923.9     920.3     916.3     911.0
  7        Real estate                                   1,903.7   2,079.9   2,095.0   2,111.1   2,133.9   2,156.7   2,194.6   2,239.8       2,234.7   2,258.7   2,278.0   2,264.0
  8          Revolving home equity                         197.3     222.7     230.5     234.7     238.2     244.5     248.7     253.1         254.1     255.2     257.0     258.2
  9          Other                                       1,706.4   1,857.2   1,864.5   1,876.4   1,895.7   1,912.2   1,945.9   1,986.7       1,980.6   2,003.5   2,021.0   2,005.8
  10       Consumer                                        574.3     591.8     586.9     584.6     589.9     595.8     596.2     596.9         597.9     599.8     600.0     604.8
  11       Security (4)                                    176.9     181.3     193.6     190.6     210.3     212.2     214.8     207.0         201.3     199.2     201.5     197.6
  12       Other loans and leases                          398.5     401.6     403.1     415.1     423.8     441.9     483.8     482.2         482.5     476.4     477.1     475.0

  13  Interbank loans                                      304.1     304.2     313.1     304.4     316.3     319.7     321.1     326.1         323.2     306.9     299.8     302.3

  14  Cash assets (5)                                      320.3     318.3     323.6     319.7     318.3     331.4     336.4     343.8         350.5     353.8     317.0     333.7

  15  Other assets (6)                                     504.2     535.2     525.0     528.7     546.1     549.6     555.2     568.3         552.0     575.8     565.4     532.4

  16  TOTAL ASSETS (7)                                   6,714.9   7,043.3   7,077.7   7,104.6   7,239.4   7,321.2   7,374.6   7,385.4       7,357.6   7,388.7   7,361.4   7,302.0

            L I A B I L I T I E S

  17  Deposits                                           4,462.5   4,535.3   4,585.6   4,612.6   4,643.4   4,702.4   4,748.0   4,799.6       4,784.2   4,816.2   4,766.3   4,774.2
  18    Transaction                                        598.6     613.7     619.4     632.4     634.1     639.3     655.3     655.1         695.6     623.7     602.6     633.1
  19    Nontransaction                                   3,863.9   3,921.6   3,966.3   3,980.2   4,009.3   4,063.1   4,092.7   4,144.5       4,088.6   4,192.6   4,163.6   4,141.1
  20       Large time                                    1,046.6     995.2   1,001.6     985.5     999.2   1,003.3   1,020.9   1,031.6       1,023.8   1,033.4   1,045.7   1,038.3
  21       Other                                         2,817.3   2,926.4   2,964.7   2,994.7   3,010.2   3,059.8   3,071.8   3,112.9       3,064.8   3,159.2   3,118.0   3,102.8

  22  Borrowings                                         1,290.6   1,368.7   1,389.8   1,396.7   1,438.2   1,478.1   1,515.0   1,517.9       1,501.8   1,496.2   1,505.8   1,477.6
  23    From banks in the U.S.                             403.7     388.1     397.3     397.1     389.8     408.6     410.9     416.4         411.3     404.3     396.1     396.3
  24    From others                                        886.8     980.6     992.6     999.6   1,048.4   1,069.5   1,104.0   1,101.5       1,090.5   1,091.9   1,109.7   1,081.3

  25  Net due to related foreign offices                    87.3     144.3     135.8     139.3     146.5     126.4     143.0     126.8         143.1     124.9     135.6     139.8

  26  Other liabilities                                    430.3     455.4     449.8     455.0     479.0     489.3     458.6     448.5         427.7     474.1     466.1     435.8

  27  TOTAL LIABILITIES                                  6,270.7   6,503.7   6,561.0   6,603.5   6,707.1   6,796.2   6,864.6   6,892.7       6,856.8   6,911.4   6,873.7   6,827.5

  28  Residual (assets less liabilities) (8)               444.2     539.6     516.7     501.2     532.3     524.9     510.1     492.7         500.8     477.3     487.7     474.5



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

  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                                                                                                                    September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,642.6   5,965.5   5,981.3   6,021.6   6,128.8   6,192.3   6,212.2   6,203.3       6,181.0   6,222.5   6,244.3   6,216.6

  2     Securities in bank credit                        1,622.9   1,763.2   1,771.1   1,776.5   1,835.1   1,856.2   1,802.1   1,767.7       1,760.2   1,775.6   1,783.3   1,756.1
  3        Treasury and Agency securities (2)              940.2   1,065.7   1,077.2   1,104.3   1,133.2   1,146.7   1,106.8   1,072.5       1,067.0   1,083.7   1,082.0   1,053.9
  4        Other securities                                682.7     697.5     693.9     672.2     702.0     709.5     695.3     695.2         693.3     691.9     701.3     702.2

  5     Loans and leases in bank credit (3)              4,019.7   4,202.2   4,210.2   4,245.1   4,293.7   4,336.2   4,410.1   4,435.6       4,420.8   4,446.9   4,461.0   4,460.5
  6        Commercial and industrial                       974.3     951.5     949.2     950.7     942.5     931.0     931.4     918.6         917.2     916.3     910.9     910.6
  7        Real estate                                   1,903.7   2,075.7   2,086.0   2,107.5   2,137.7   2,158.0   2,193.0   2,239.8       2,234.4   2,259.0   2,280.5   2,267.8
  8          Revolving home equity                         197.4     223.0     228.4     234.4     239.4     245.4     248.7     253.2         254.5     255.6     257.6     259.3
  9          Other                                       1,706.3   1,852.6   1,857.6   1,873.1   1,898.3   1,912.6   1,944.3   1,986.6       1,979.9   2,003.4   2,022.8   2,008.6
  10       Consumer                                        571.0     595.0     584.7     581.8     588.7     592.4     590.6     593.2         596.1     597.3     596.8     603.6
  10a        Credit card and related plans                 224.1     225.8     219.6     215.6     221.5     223.2     219.9     220.0         221.2     223.0     221.3     226.1
  10b        Other                                         346.9     369.2     365.0     366.2     367.2     369.3     370.7     373.3         375.0     374.3     375.5     377.6
  11       Security (4)                                    172.4     183.0     189.2     189.8     202.6     210.8     208.7     201.7         194.7     192.3     194.2     201.6
  12       Other loans and leases                          398.4     397.2     401.2     415.3     422.1     444.0     486.3     482.2         478.4     481.9     478.7     476.8

  13  Interbank loans                                      298.2     301.4     319.5     315.5     312.0     320.9     316.6     320.2         305.3     310.5     299.3     298.2

  14  Cash assets (5)                                      304.6     318.8     312.8     318.0     314.7     322.2     325.7     327.2         323.8     367.5     318.8     326.6

  15  Other assets (6)                                     501.1     532.6     524.1     528.1     544.0     544.2     553.4     564.7         544.2     578.5     570.0     535.7

  16  TOTAL ASSETS (7)                                   6,671.3   7,041.4   7,061.0   7,108.0   7,223.9   7,304.1   7,333.0   7,339.3       7,278.1   7,402.4   7,356.1   7,300.8

            L I A B I L I T I E S

  17  Deposits                                           4,413.8   4,556.2   4,592.8   4,637.7   4,636.4   4,691.4   4,718.6   4,749.6       4,698.3   4,805.3   4,751.0   4,736.1
  18    Transaction                                        583.8     606.1     611.0     638.3     623.9     633.9     646.6     638.7         663.4     636.5     605.1     627.5
  19    Nontransaction                                   3,830.0   3,950.2   3,981.8   3,999.4   4,012.5   4,057.6   4,072.0   4,110.9       4,034.9   4,168.8   4,145.8   4,108.6
  20       Large time                                    1,028.8   1,005.8   1,004.3     989.9   1,002.8   1,001.4   1,009.8   1,015.5       1,008.1   1,014.6   1,026.4   1,017.1
  21       Other                                         2,801.2   2,944.3   2,977.4   3,009.5   3,009.6   3,056.2   3,062.2   3,095.4       3,026.8   3,154.2   3,119.4   3,091.4

  22  Borrowings                                         1,273.5   1,370.9   1,386.2   1,400.8   1,443.9   1,477.2   1,507.9   1,497.9       1,476.5   1,484.8   1,488.7   1,481.0
  23    From banks in the U.S.                             399.4     391.6     400.7     401.2     392.2     406.8     407.6     411.9         404.3     399.3     386.6     390.0
  24    From others                                        874.1     979.3     985.5     999.6   1,051.8   1,070.4   1,100.4   1,086.1       1,072.2   1,085.5   1,102.1   1,091.0

  25  Net due to related foreign offices                    85.4     149.6     133.9     130.2     146.0     123.5     133.6     125.1         148.8     125.2     135.5     140.2

  26  Other liabilities                                    428.8     461.7     446.0     442.5     478.2     486.1     448.7     446.7         433.3     474.6     466.1     436.1

  27  TOTAL LIABILITIES                                  6,201.4   6,538.4   6,558.9   6,611.2   6,704.5   6,778.3   6,808.9   6,819.4       6,756.9   6,889.8   6,841.2   6,793.4

  28  Residual (assets less liabilities) (8)               469.8     503.0     502.1     496.8     519.3     525.8     524.1     519.9         521.2     512.6     514.9     507.4





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

  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                                                                                                                        September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,041.4   5,315.2   5,329.0   5,372.0   5,464.6   5,523.6   5,587.2   5,592.8       5,573.6   5,599.1   5,616.9   5,582.4

  2     Securities in bank credit                        1,381.4   1,474.8   1,482.3   1,501.4   1,548.8   1,573.9   1,549.7   1,507.5       1,498.4   1,501.9   1,508.7   1,489.5
  3        Treasury and Agency securities (2)              862.0     942.7     949.7     980.2   1,007.8   1,027.1   1,000.4     969.0         965.8     973.6     968.9     946.5
  4        Other securities                                519.4     532.0     532.6     521.1     541.0     546.8     549.3     538.5         532.6     528.3     539.8     543.0

  5     Loans and leases in bank credit (3)              3,660.0   3,840.4   3,846.7   3,870.6   3,915.7   3,949.7   4,037.5   4,085.2       4,075.2   4,097.2   4,108.2   4,092.9
  6        Commercial and industrial                       789.3     779.3     776.2     774.7     768.4     763.7     767.6     766.1         768.1     766.0     762.9     758.5
  7        Real estate                                   1,884.8   2,060.1   2,075.1   2,092.1   2,114.6   2,137.3   2,175.2   2,220.7       2,215.8   2,239.8   2,259.1   2,245.1
  8          Revolving home equity                         197.3     222.7     230.5     234.7     238.2     244.5     248.7     253.1         254.1     255.2     257.0     258.2
  9          Other                                       1,687.6   1,837.4   1,844.6   1,857.4   1,876.4   1,892.8   1,926.5   1,967.6       1,961.7   1,984.6   2,002.1   1,986.9
  10       Consumer                                        574.3     591.8     586.9     584.6     589.9     595.8     596.2     596.9         597.9     599.8     600.0     604.8
  11       Security (4)                                     85.4      73.1      72.2      72.4      91.4      90.3      95.9      95.4          87.7      88.6      83.4      84.2
  12       Other loans and leases                          326.1     336.0     336.3     346.8     351.4     362.6     402.6     406.1         405.7     403.0     402.9     400.4

  13  Interbank loans                                      286.2     277.2     285.8     282.0     291.7     289.0     288.0     293.7         290.0     273.3     266.6     272.9

  14  Cash assets (5)                                      272.5     279.6     279.7     270.0     267.3     277.1     282.4     289.4         296.0     298.2     263.6     277.1

  15  Other assets (6)                                     476.5     500.7     495.0     496.2     509.5     512.9     522.0     532.0         518.9     545.3     535.6     507.4

  16  TOTAL ASSETS (7)                                   6,001.9   6,296.6   6,313.6   6,345.4   6,458.0   6,527.6   6,605.0   6,632.3       6,602.7   6,640.1   6,607.2   6,564.1

            L I A B I L I T I E S

  17  Deposits                                           3,964.8   4,092.5   4,137.2   4,178.0   4,210.0   4,259.8   4,294.6   4,344.4       4,334.0   4,367.4   4,311.2   4,324.5
  18    Transaction                                        588.5     603.5     607.9     621.2     623.3     627.9     643.8     643.3         682.7     612.3     591.2     622.4
  19    Nontransaction                                   3,376.3   3,489.0   3,529.4   3,556.8   3,586.7   3,631.9   3,650.8   3,701.1       3,651.4   3,755.1   3,720.0   3,702.1
  20       Large time                                      565.0     583.5     583.6     582.2     595.7     590.5     586.4     600.3         598.5     605.1     607.5     601.3
  21       Other                                         2,811.3   2,905.5   2,945.8   2,974.5   2,991.0   3,041.4   3,064.4   3,100.8       3,052.9   3,150.0   3,112.5   3,100.8

  22  Borrowings                                         1,076.7   1,093.8   1,096.6   1,098.9   1,133.1   1,162.4   1,217.9   1,224.3       1,217.9   1,204.3   1,212.0   1,185.8
  23    From banks in the U.S.                             382.4     357.0     363.6     369.7     358.5     373.9     374.2     382.5         379.1     368.9     366.6     360.9
  24    From others                                        694.3     736.7     733.1     729.2     774.6     788.5     843.8     841.7         838.8     835.3     845.4     824.8

  25  Net due to related foreign offices                   173.5     222.7     219.6     212.2     224.3     208.3     229.0     230.3         235.7     225.6     235.6     235.9

  26  Other liabilities                                    332.7     355.8     355.0     364.4     372.2     375.8     349.8     332.4         312.3     358.7     351.7     328.6

  27  TOTAL LIABILITIES                                  5,547.7   5,764.8   5,808.5   5,853.5   5,939.7   6,006.2   6,091.3   6,131.4       6,100.0   6,156.0   6,110.4   6,074.6

  28  Residual (assets less liabilities) (8)               454.2     531.8     505.1     492.0     518.4     521.4     513.6     500.9         502.7     484.1     496.8     489.5



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

  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                                                                                                                    September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,028.8   5,314.1   5,319.6   5,366.7   5,464.0   5,523.5   5,569.8   5,579.3       5,554.4   5,602.5   5,614.4   5,590.7

  2     Securities in bank credit                        1,374.8   1,483.9   1,487.3   1,499.2   1,546.6   1,567.8   1,534.5   1,500.2       1,490.8   1,503.4   1,509.8   1,488.3
  3        Treasury and Agency securities (2)              858.5     949.1     954.7     980.1   1,005.8   1,022.4     992.3     965.1         961.3     975.5     971.5     946.5
  4        Other securities                                516.4     534.9     532.6     519.1     540.8     545.4     542.2     535.2         529.5     527.8     538.3     541.8

  5     Loans and leases in bank credit (3)              3,653.9   3,830.2   3,832.3   3,867.5   3,917.4   3,955.8   4,035.3   4,079.0       4,063.6   4,099.2   4,104.6   4,102.3
  6        Commercial and industrial                       786.6     775.9     776.0     779.4     774.0     768.2     769.6     763.5         763.1     763.2     758.5     758.0
  7        Real estate                                   1,884.8   2,055.9   2,066.1   2,088.5   2,118.4   2,138.5   2,173.6   2,220.8       2,215.5   2,240.1   2,261.5   2,249.0
  8          Revolving home equity                         197.4     223.0     228.4     234.4     239.4     245.4     248.7     253.2         254.5     255.6     257.6     259.3
  9          Other                                       1,687.5   1,832.9   1,837.7   1,854.0   1,879.0   1,893.2   1,924.9   1,967.5       1,961.0   1,984.5   2,003.9   1,989.7
  10       Consumer                                        571.0     595.0     584.7     581.8     588.7     592.4     590.6     593.2         596.1     597.3     596.8     603.6
  10a        Credit card and related plans                 224.1     225.8     219.6     215.6     221.5     223.2     219.9     220.0         221.2     223.0     221.3     226.1
  10d        Other                                         346.9     369.2     365.0     366.2     367.2     369.3     370.7     373.3         375.0     374.3     375.5     377.6
  11       Security (4)                                     84.3      72.0      71.9      71.3      86.0      91.4      94.6      94.2          86.1      89.5      82.6      88.7
  12       Other loans and leases                          327.2     331.4     333.6     346.5     350.3     365.1     406.8     407.3         402.7     408.9     405.2     403.0

  13  Interbank loans                                      280.4     274.4     292.3     293.0     287.5     290.3     283.4     287.9         272.1     277.0     266.1     268.7

  14  Cash assets (5)                                      258.8     279.1     270.1     270.4     265.3     270.5     274.6     275.0         271.3     313.8     266.9     271.0

  15  Other assets (6)                                     473.7     497.6     493.4     495.8     507.3     508.9     521.4     528.9         511.2     547.9     540.0     510.8

  16  TOTAL ASSETS (7)                                   5,966.8   6,288.7   6,299.2   6,351.3   6,448.8   6,518.0   6,574.7   6,595.4       6,533.2   6,665.0   6,611.7   6,565.3

            L I A B I L I T I E S

  17  Deposits                                           3,933.1   4,103.3   4,140.3   4,197.1   4,197.6   4,250.7   4,275.0   4,309.9       4,262.4   4,374.9   4,315.4   4,305.7
  18    Transaction                                        574.0     595.8     599.8     627.7     613.5     622.8     635.3     627.3         650.9     625.3     593.8     616.8
  19    Nontransaction                                   3,359.1   3,507.4   3,540.5   3,569.4   3,584.1   3,627.9   3,639.7   3,682.6       3,611.5   3,749.6   3,721.6   3,688.9
  20       Large time                                      563.7     584.4     582.1     580.4     593.9     590.0     584.7     598.9         596.2     604.2     607.4     599.4
  21       Other                                         2,795.4   2,923.0   2,958.4   2,989.1   2,990.2   3,037.8   3,055.0   3,083.7       3,015.2   3,145.4   3,114.2   3,089.5

  22  Borrowings                                         1,059.7   1,095.9   1,093.0   1,103.1   1,138.9   1,161.4   1,210.9   1,204.3       1,192.6   1,192.9   1,194.9   1,189.2
  23    From banks in the U.S.                             378.1     360.5     367.0     373.8     360.8     372.1     370.8     378.0         372.1     363.9     357.1     354.7
  24    From others                                        681.6     735.4     726.0     729.3     778.0     789.4     840.1     826.3         820.5     828.9     837.7     834.5

  25  Net due to related foreign offices                   173.3     226.9     215.5     203.5     223.5     207.3     222.9     230.0         240.5     226.0     235.5     235.5

  26  Other liabilities                                    332.2     361.2     349.7     352.2     371.1     374.2     342.4     331.9         317.1     359.3     351.6     328.2

  27  TOTAL LIABILITIES                                  5,498.3   5,787.3   5,798.5   5,855.9   5,931.0   5,993.5   6,051.2   6,076.1       6,012.6   6,153.0   6,097.4   6,058.5

  28  Residual (assets less liabilities) (8)               468.4     501.4     500.6     495.4     517.7     524.5     523.5     519.3         520.6     512.0     514.3     506.8






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

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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                                                                                                  September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,762.8   2,931.7   2,929.1   2,949.3   3,024.5   3,059.6   3,096.3   3,082.8       3,060.2   3,087.8   3,099.9   3,076.6

  2     Securities in bank credit                          738.1     805.5     803.2     810.1     856.6     880.6     847.4     801.7         791.8     797.9     802.0     790.1
  3        Treasury and Agency securities (2)              428.0     479.8     476.6     493.3     520.0     536.0     503.0     467.6         466.7     473.2     467.0     451.0
  3a         Trading account                                47.8      54.5      41.8      40.7      43.6      38.7      37.6      33.5          36.8      43.6      44.7      39.1
  3b         Investment account                            380.1     425.3     434.7     452.6     476.4     497.4     465.3     434.1         429.9     429.6     422.3     411.9
  4        Other securities                                310.1     325.7     326.6     316.8     336.6     344.6     344.4     334.1         325.1     324.7     335.0     339.1
  4a         Trading account                               174.9     172.6     171.6     161.5     183.4     188.1     173.2     162.2         155.7     154.2     164.3     167.7
  4b         Investment account                            135.3     153.1     155.0     155.3     153.2     156.5     171.2     171.9         169.4     170.6     170.7     171.4
  4c           State and local government                   28.1      29.6      30.1      30.9      31.3      32.2      32.3      31.4          31.4      31.2      31.4      31.4
  4d           Other                                       107.2     123.5     124.9     124.4     121.9     124.3     138.9     140.5         138.0     139.4     139.4     140.0

  5     Loans and leases in bank credit (3)              2,024.7   2,126.2   2,125.9   2,139.2   2,167.9   2,179.0   2,248.9   2,281.1       2,268.4   2,289.9   2,297.9   2,286.5
  6        Commercial and industrial                       499.8     482.0     478.2     476.0     468.2     461.6     464.1     458.9         459.7     457.9     453.6     450.0
  7        Real estate                                     908.7   1,030.6   1,037.9   1,043.6   1,058.3   1,065.9   1,089.9   1,123.4       1,116.3   1,141.0   1,156.7   1,148.6
  8          Revolving home equity                         125.2     142.4     147.8     150.4     152.7     156.1     159.8     163.6         164.4     165.4     166.9     167.9
  9          Other                                         783.5     888.2     890.1     893.3     905.6     909.7     930.1     959.7         951.9     975.7     989.8     980.7
  10       Consumer                                        311.4     317.5     313.8     312.3     312.5     314.2     311.7     312.7         315.1     314.1     315.1     317.8
  11       Security (4)                                     78.4      65.0      64.1      64.3      82.6      80.9      86.6      86.0          78.1      79.3      74.3      74.9
  11a        Fed funds and RPs with broker/dealer           67.1      54.3      52.6      52.4      63.0      63.5      68.7      66.8          60.0      61.7      56.7      58.7
  11b        Other                                          11.3      10.7      11.4      11.8      19.5      17.4      17.9      19.2          18.2      17.6      17.7      16.2
  12a      State and local government                       13.0      12.3      12.5      12.4      12.4      12.7      13.0      13.3          13.4      13.3      13.3      13.3
  12b      Agricultural                                      8.3       7.9       7.9       7.7       7.5       7.4       7.3       7.4           7.5       7.5       7.5       7.5
  12c      Fed funds and RPs with others                    17.6      24.5      24.0      25.2      27.1      28.5      25.8      24.2          24.9      25.1      24.7      26.1
  12d      All other loans                                  67.3      75.6      77.1      88.2      89.5      97.2     140.5     145.8         144.1     142.2     143.3     138.9
  12e      Lease financing receivables                     120.3     110.8     110.5     109.4     109.8     110.7     109.9     109.4         109.3     109.5     109.5     109.4

  13  Interbank loans                                      191.0     162.2     171.8     171.1     171.0     165.1     168.8     178.5         171.1     160.2     159.7     159.8
  13a   Fed funds and RPs with banks                        98.8      91.2     100.3      99.1     100.8      97.7      97.7      99.0          80.5      94.1      90.6      94.8
  13b   Other                                               92.2      71.0      71.5      72.0      70.2      67.4      71.1      79.5          90.6      66.1      69.1      64.9

  14  Cash assets (5)                                      151.3     151.1     148.3     135.8     132.9     140.4     142.1     146.7         149.1     157.4     130.6     137.2

  15  Other assets (6)                                     333.0     355.2     347.6     347.2     356.5     359.2     364.2     367.7         361.6     376.1     375.7     347.3

  16  TOTAL ASSETS (7)                                   3,394.3   3,555.4   3,551.8   3,559.4   3,640.6   3,680.2   3,727.9   3,731.6       3,697.6   3,737.3   3,722.1   3,677.1



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)                                                                                      September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,919.1   1,996.4   2,015.3   2,039.8   2,046.6   2,075.9   2,093.6   2,128.0       2,122.6   2,142.9   2,106.1   2,112.3
  18    Transaction                                        288.2     290.8     291.0     296.2     297.3     300.2     307.2     304.1         325.4     284.4     273.0     297.1
  19    Nontransaction                                   1,630.8   1,705.5   1,724.3   1,743.6   1,749.2   1,775.7   1,786.5   1,823.9       1,797.2   1,858.5   1,833.1   1,815.2
  20       Large time                                      265.5     273.7     269.1     267.2     279.1     271.1     268.9     283.2         282.3     288.1     287.9     281.8
  21       Other                                         1,365.3   1,431.9   1,455.2   1,476.4   1,470.2   1,504.6   1,517.5   1,540.7       1,514.8   1,570.4   1,545.3   1,533.4

  22  Borrowings                                           738.0     693.4     699.6     697.4     722.9     746.7     794.2     785.9         767.8     772.5     772.1     747.5
  23    From banks in the U.S.                             261.7     199.6     208.0     212.3     203.6     216.7     213.9     213.4         199.6     212.9     210.3     206.2
  24    From others                                        476.4     493.9     491.6     485.1     519.3     530.0     580.3     572.6         568.2     559.6     561.9     541.4

  25  Net due to related foreign offices                   165.0     210.2     208.9     199.3     211.9     196.3     217.2     218.3         220.4     211.9     221.5     221.7

  26  Other liabilities                                    268.2     280.1     275.4     284.9     292.2     296.5     269.2     251.2         231.9     276.9     271.9     249.2

  27  TOTAL LIABILITIES                                  3,090.3   3,180.1   3,199.2   3,221.4   3,273.5   3,315.3   3,374.2   3,383.4       3,342.7   3,404.1   3,371.6   3,330.7

  28  Residual (assets less liabilities) (8)               303.9     375.4     352.6     338.0     367.1     364.9     353.6     348.1         354.9     333.2     350.5     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                                                                                              September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,753.0   2,933.8   2,923.0   2,945.8   3,025.4   3,061.9   3,084.0   3,072.5       3,042.3   3,092.0   3,097.1   3,081.2

  2     Securities in bank credit                          733.0     813.8     805.5     806.4     855.1     874.9     834.0     796.2         784.6     800.3     802.9     788.5
  3        Treasury and Agency securities (2)              426.0     485.3     478.8     491.7     518.8     531.8     496.7     465.4         462.6     476.1     469.4     450.6
  3a         Trading account                                47.6      55.1      42.1      40.6      43.5      38.4      37.2      33.3          36.4      43.9      44.9      39.1
  3b         Investment account                            378.4     430.2     436.8     451.1     475.3     493.3     459.5     432.1         426.1     432.2     424.4     411.5
  3c           Mortgage-backed                             306.7     331.3     334.7     354.4     380.2     389.4     364.1     335.5         329.1     334.1     327.6     316.8
  3d           Other                                        71.7      98.8     102.0      96.7      95.0     103.9      95.4      96.6          97.0      98.0      96.8      94.7
  3e             1 year or less                             17.3      22.9      24.4      24.6      23.2      24.3      24.1      24.4          24.2      24.4      24.9      23.9
  3f             Between 1 and 5 years                      42.5      57.4      57.3      55.2      55.2      57.3      51.2      52.5          53.2      54.1      52.1      51.9
  3g             More than 5 years                          11.9      18.6      20.3      16.9      16.7      22.3      20.1      19.7          19.6      19.5      19.8      18.9
  4        Other securities                                307.1     328.5     326.7     314.7     336.3     343.1     337.3     330.8         322.0     324.2     333.5     337.9
  4a         Trading account                               173.1     174.1     171.7     160.5     183.2     187.3     169.6     160.6         154.2     153.9     163.5     167.1
  4b         Investment account                            133.9     154.4     155.0     154.3     153.1     155.8     167.7     170.2         167.8     170.3     170.0     170.8
  4c           State and local government                   27.8      29.8      30.1      30.7      31.3      32.1      31.6      31.1          31.1      31.1      31.2      31.3
  4d           Other                                       106.1     124.6     124.9     123.6     121.8     123.8     136.1     139.1         136.7     139.2     138.7     139.5

  5     Loans and leases in bank credit (3)              2,019.9   2,120.0   2,117.5   2,139.4   2,170.3   2,187.0   2,250.0   2,276.3       2,257.7   2,291.7   2,294.2   2,292.7
  6        Commercial and industrial                       498.4     480.0     478.1     478.6     471.2     463.9     465.3     457.5         456.5     457.0     451.9     451.3
  7        Real estate                                     909.3   1,026.4   1,031.1   1,041.8   1,062.7   1,068.3   1,090.0   1,124.2       1,115.8   1,142.4   1,159.7   1,151.4
  8          Revolving home equity                         125.6     142.7     146.1     150.3     153.8     157.1     160.3     164.2         165.1     166.2     167.5     168.6
  9a         Other residential                             465.6     560.3     561.2     569.8     588.3     591.6     613.2     643.5         634.2     660.0     675.5     665.5
  9b         Commercial                                    318.1     323.4     323.8     321.7     320.5     319.7     316.5     316.6         316.6     316.2     316.7     317.3
  10       Consumer                                        309.2     320.7     314.3     312.9     313.4     314.3     309.7     310.2         313.0     311.3     311.3     314.3
  10a        Credit card and related plans                 114.9     109.8     105.9     103.5     103.9     104.9     100.0      99.7         101.9     100.1      99.5     100.8
  10f        Other                                         194.3     210.9     208.4     209.4     209.6     209.4     209.8     210.5         211.0     211.2     211.8     213.5
  11       Security (4)                                     77.3      63.9      63.5      62.9      77.3      82.1      85.4      84.8          76.9      79.9      73.2      79.5
  11a        Fed funds and RPs with broker/dealer           66.2      53.4      52.2      51.4      59.0      64.5      67.8      65.9          59.0      62.2      55.8      62.3
  11b        Other                                          11.1      10.6      11.3      11.6      18.3      17.6      17.6      18.9          17.9      17.7      17.4      17.2
  12a      State and local government                       13.0      12.3      12.5      12.4      12.4      12.7      13.0      13.3          13.4      13.3      13.3      13.3
  12b      Agricultural                                      8.4       7.8       7.8       7.7       7.6       7.5       7.4       7.5           7.5       7.5       7.5       7.4
  12c      Fed funds and RPs with others                    17.6      24.5      24.0      25.2      27.1      28.5      25.8      24.2          24.9      25.1      24.7      26.1
  12d      All other loans                                  67.5      72.3      74.9      88.0      88.9      99.3     143.9     146.2         141.6     146.9     144.7     141.7
  12e      Lease financing receivables                     119.2     112.1     111.2     109.8     109.8     110.3     109.4     108.4         108.1     108.3     107.9     107.8

  13  Interbank loans                                      186.0     160.4     171.9     174.4     171.7     169.3     168.9     173.3         161.0     158.3     151.5     157.2
  13a   Fed funds and RPs with banks                        96.4      90.3     100.4     101.0     101.2     100.2      97.8      96.2          75.8      93.0      85.9      93.3
  13b   Other                                               89.6      70.2      71.5      73.4      70.5      69.1      71.1      77.1          85.2      65.3      65.6      63.9

  14  Cash assets (5)                                      141.6     151.0     143.3     138.5     132.0     136.0     136.6     137.1         133.9     163.5     129.8     134.2

  15  Other assets (6)                                     330.3     352.1     345.9     346.8     354.3     355.2     363.6     364.7         353.9     378.7     380.2     350.6

  16  TOTAL ASSETS (7)                                   3,366.8   3,552.2   3,538.9   3,561.5   3,639.0   3,678.1   3,709.7   3,703.3       3,646.7   3,747.9   3,714.4   3,679.1

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

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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)                                                                                  September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,904.3   2,000.4   2,013.4   2,047.2   2,042.2   2,076.3   2,087.7   2,111.6       2,083.0   2,151.1   2,109.8   2,106.4
  18    Transaction                                        277.2     286.5     286.6     302.4     293.0     297.4     301.3     291.9         303.4     288.6     269.9     293.8
  19    Nontransaction                                   1,627.2   1,713.8   1,726.7   1,744.9   1,749.2   1,778.9   1,786.4   1,819.7       1,779.6   1,862.6   1,839.8   1,812.6
  20       Large time                                      264.2     274.6     267.6     265.3     277.3     270.7     267.3     281.8         280.1     287.1     287.7     279.8
  21       Other                                         1,362.9   1,439.3   1,459.1   1,479.5   1,471.9   1,508.3   1,519.1   1,537.9       1,499.5   1,575.4   1,552.1   1,532.7

  22  Borrowings                                           721.0     695.6     696.0     701.6     728.7     745.7     787.1     765.9         742.5     761.1     755.1     750.9
  23    From banks in the U.S.                             257.3     203.1     211.4     216.4     205.9     214.8     210.5     208.8         192.6     207.9     200.8     199.9
  24    From others                                        463.7     492.5     484.6     485.1     522.7     530.9     576.6     557.1         549.9     553.2     554.3     551.1

  25  Net due to related foreign offices                   164.9     214.3     204.8     190.7     211.0     195.2     211.1     218.0         225.2     212.2     221.3     221.3

  26  Other liabilities                                    267.7     285.6     270.1     272.7     291.0     294.8     261.9     250.7         236.7     277.5     271.8     248.8

  27  TOTAL LIABILITIES                                  3,057.9   3,195.9   3,184.3   3,212.1   3,273.0   3,312.2   3,347.8   3,346.2       3,287.3   3,401.9   3,358.0   3,327.4

  28  Residual (assets less liabilities) (8)               308.9     356.3     354.6     349.4     366.1     365.9     361.9     357.0         359.4     346.0     356.4     351.7













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

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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                                                                                                  September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,278.6   2,383.5   2,399.9   2,422.7   2,440.1   2,463.9   2,490.9   2,509.9       2,513.5   2,511.2   2,517.0   2,505.7

  2     Securities in bank credit                          643.3     669.3     679.1     691.3     692.3     693.3     702.3     705.8         706.6     704.0     706.7     699.4
  3        Treasury and Agency securities (2)              434.0     463.0     473.1     486.9     487.8     491.1     497.5     501.4         499.1     500.4     501.9     495.5
  4        Other securities                                209.3     206.3     206.0     204.3     204.4     202.3     204.9     204.4         207.5     203.6     204.8     203.9

  5     Loans and leases in bank credit (3)              1,635.3   1,714.2   1,720.8   1,731.4   1,747.9   1,770.6   1,788.6   1,804.1       1,806.8   1,807.2   1,810.3   1,806.4
  6        Commercial and industrial                       289.4     297.3     298.0     298.7     300.2     302.1     303.4     307.3         308.4     308.1     309.3     308.4
  7        Real estate                                     976.2   1,029.5   1,037.2   1,048.5   1,056.3   1,071.4   1,085.2   1,097.3       1,099.5   1,098.7   1,102.4   1,096.5
  8          Revolving home equity                          72.1      80.3      82.7      84.3      85.5      88.4      88.9      89.4          89.7      89.8      90.1      90.3
  9          Other                                         904.1     949.2     954.5     964.1     970.7     983.0     996.4   1,007.9       1,009.8   1,008.9   1,012.3   1,006.3
  10       Consumer                                        262.9     274.3     273.2     272.3     277.4     281.6     284.6     284.2         282.8     285.7     284.9     287.0
  11       Security (4)                                      7.1       8.2       8.1       8.2       8.9       9.4       9.3       9.4           9.6       9.3       9.0       9.3
  12       Other loans and leases                           99.7     104.9     104.3     103.8     105.1     106.1     106.0     105.9         106.6     105.4     104.6     105.2

  13  Interbank loans                                       95.1     115.0     114.0     110.9     120.7     123.9     119.2     115.3         118.9     113.1     106.9     113.1

  14  Cash assets (5)                                      121.2     128.5     131.4     134.2     134.4     136.7     140.3     142.7         147.0     140.8     132.9     139.9

  15  Other assets (6)                                     143.5     145.5     147.4     149.0     152.9     153.7     157.8     164.3         157.3     169.2     159.9     160.1

  16  TOTAL ASSETS (7)                                   2,607.7   2,741.2   2,761.8   2,786.0   2,817.4   2,847.5   2,877.1   2,900.7       2,905.1   2,902.8   2,885.1   2,887.1

            L I A B I L I T I E S

  17  Deposits                                           2,045.7   2,096.2   2,122.0   2,138.2   2,163.4   2,183.9   2,201.0   2,216.4       2,211.5   2,224.5   2,205.1   2,212.2
  18    Transaction                                        300.3     312.7     316.9     325.0     326.0     327.7     336.7     339.2         357.3     327.9     318.2     325.2
  19    Nontransaction                                   1,745.5   1,783.5   1,805.1   1,813.2   1,837.5   1,856.2   1,864.3   1,877.2       1,854.2   1,896.6   1,886.9   1,886.9
  20       Large time                                      299.5     309.8     314.5     315.1     316.6     319.4     317.4     317.1         316.1     317.0     319.6     319.6
  21       Other                                         1,446.0   1,473.7   1,490.6   1,498.1   1,520.8   1,536.8   1,546.9   1,560.1       1,538.1   1,579.6   1,567.3   1,567.4

  22  Borrowings                                           338.7     400.3     397.0     401.5     410.2     415.7     423.8     438.4         450.1     431.8     439.8     438.2
  23    From banks in the U.S.                             120.7     157.4     155.6     157.4     154.9     157.3     160.3     169.2         179.5     156.1     156.4     154.8
  24    From others                                        218.0     242.9     241.5     244.2     255.3     258.4     263.5     269.2         270.6     275.7     283.5     283.5

  25  Net due to related foreign offices                     8.5      12.6      10.7      12.8      12.4      12.0      11.8      12.0          15.3      13.8      14.1      14.1

  26  Other liabilities                                     64.5      75.7      79.6      79.5      80.1      79.3      80.5      81.2          80.4      81.9      79.8      79.4

  27  TOTAL LIABILITIES                                  2,457.4   2,584.7   2,609.3   2,632.0   2,666.2   2,690.9   2,717.1   2,747.9       2,757.3   2,751.9   2,738.8   2,743.9

  28  Residual (assets less liabilities) (8)               150.3     156.4     152.5     154.0     151.2     156.5     160.0     152.8         147.8     150.9     146.3     143.2



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

  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                                                                                              September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,275.8   2,380.3   2,396.6   2,420.9   2,438.5   2,461.6   2,485.8   2,506.7       2,512.1   2,510.6   2,517.3   2,509.4

  2     Securities in bank credit                          641.8     670.1     681.8     692.8     691.4     692.9     700.5     704.0         706.2     703.1     706.9     699.8
  3        Treasury and Agency securities (2)              432.5     463.8     475.8     488.4     487.0     490.7     495.6     499.7         498.7     499.5     502.1     495.9
  4        Other securities                                209.3     206.3     206.0     204.3     204.4     202.3     204.9     204.4         207.5     203.6     204.8     203.9

  5     Loans and leases in bank credit (3)              1,634.0   1,710.2   1,714.8   1,728.1   1,747.1   1,768.7   1,785.3   1,802.7       1,805.9   1,807.5   1,810.4   1,809.6
  6        Commercial and industrial                       288.2     295.8     297.9     300.9     302.7     304.3     304.3     306.0         306.6     306.2     306.6     306.8
  7        Real estate                                     975.5   1,029.6   1,035.0   1,046.7   1,055.7   1,070.2   1,083.6   1,096.5       1,099.7   1,097.7   1,101.8   1,097.6
  8          Revolving home equity                          71.8      80.4      82.3      84.1      85.6      88.3      88.4      89.1          89.4      89.4      90.1      90.7
  9          Other                                         903.7     949.2     952.8     962.6     970.2     981.9     995.1   1,007.5       1,010.3   1,008.3   1,011.7   1,006.8
  10       Consumer                                        261.7     274.3     270.3     268.8     275.3     278.1     280.9     283.1         283.2     286.0     285.5     289.4
  10a        Credit card and related plans                 109.2     116.0     113.7     112.1     117.7     118.3     120.0     120.3         119.2     122.9     121.8     125.3
  10h        Other                                         152.5     158.2     156.6     156.8     157.6     159.8     160.9     162.8         164.0     163.1     163.7     164.1
  11       Security (4)                                      7.1       8.0       8.4       8.4       8.7       9.3       9.2       9.4           9.1       9.7       9.4       9.2
  12       Other loans and leases                          101.5     102.5     103.2     103.3     104.6     106.8     107.3     107.7         107.3     107.9     107.1     106.8

  13  Interbank loans                                       94.4     114.0     120.5     118.6     115.7     120.9     114.5     114.5         111.1     118.6     114.6     111.6

  14  Cash assets (5)                                      117.1     128.1     126.8     131.9     133.3     134.5     138.0     138.0         137.5     150.3     137.1     136.8

  15  Other assets (6)                                     143.5     145.5     147.4     149.0     152.9     153.7     157.8     164.3         157.3     169.2     159.9     160.1

  16  TOTAL ASSETS (7)                                   2,600.0   2,736.6   2,760.3   2,789.7   2,809.7   2,840.0   2,865.0   2,892.1       2,886.5   2,917.1   2,897.3   2,886.1

            L I A B I L I T I E S

  17  Deposits                                           2,028.8   2,102.9   2,127.0   2,149.9   2,155.4   2,174.3   2,187.3   2,198.3       2,179.4   2,223.7   2,205.6   2,199.3
  18    Transaction                                        296.8     309.3     313.2     325.3     320.5     325.4     334.0     335.3         347.6     336.7     323.9     323.0
  19    Nontransaction                                   1,732.0   1,793.6   1,813.8   1,824.6   1,834.9   1,848.9   1,853.3   1,863.0       1,831.9   1,887.0   1,881.7   1,876.3
  20       Large time                                      299.5     309.8     314.5     315.1     316.6     319.4     317.4     317.1         316.1     317.0     319.6     319.6
  21       Other                                         1,432.5   1,483.8   1,499.2   1,509.5   1,518.2   1,529.6   1,535.9   1,545.8       1,515.8   1,570.0   1,562.1   1,556.7

  22  Borrowings                                           338.7     400.3     397.0     401.5     410.2     415.7     423.8     438.4         450.1     431.8     439.8     438.2
  23    From banks in the U.S.                             120.7     157.4     155.6     157.4     154.9     157.3     160.3     169.2         179.5     156.1     156.4     154.8
  24    From others                                        218.0     242.9     241.5     244.2     255.3     258.4     263.5     269.2         270.6     275.7     283.5     283.5

  25  Net due to related foreign offices                     8.5      12.6      10.7      12.8      12.4      12.0      11.8      12.0          15.3      13.8      14.1      14.1

  26  Other liabilities                                     64.5      75.7      79.6      79.5      80.1      79.3      80.5      81.2          80.4      81.9      79.8      79.4

  27  TOTAL LIABILITIES                                  2,440.4   2,591.5   2,614.3   2,643.7   2,658.1   2,681.4   2,703.4   2,729.9       2,725.3   2,751.1   2,739.4   2,731.0

  28  Residual (assets less liabilities) (8)               159.6     145.1     146.0     146.0     151.6     158.6     161.6     162.2         161.2     166.0     157.9     155.1




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

  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                                                                                                                        September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          619.9     646.9     663.5     655.0     669.6     672.3     649.9     630.6         634.4     629.5     638.1     627.2

  2     Securities in bank credit                          248.1     279.3     283.8     277.3     288.5     288.4     267.7     267.5         269.4     272.3     273.5     267.8
  3        Treasury and Agency securities (2)               81.8     116.7     122.5     124.2     127.4     124.3     114.5     107.4         105.7     108.1     110.5     107.4
  4        Other securities                                166.3     162.7     161.3     153.1     161.2     164.1     153.2     160.0         163.7     164.1     163.0     160.4

  5     Loans and leases in bank credit (3)                371.9     367.6     379.7     377.7     381.0     383.9     382.2     363.1         365.0     357.2     364.7     359.5
  6        Commercial and industrial                       189.1     174.1     171.7     172.2     170.4     163.3     162.7     156.3         155.8     154.4     153.4     152.6
  7        Real estate                                      18.9      19.7      19.8      19.0      19.3      19.4      19.4      19.1          18.9      18.9      18.9      18.9
  11       Security (4)                                     91.5     108.2     121.4     118.1     118.9     121.8     118.9     111.6         113.5     110.5     118.1     113.4
  12       Other loans and leases                           72.4      65.6      66.7      68.3      72.4      79.3      81.2      76.2          76.8      73.4      74.2      74.6

  13  Interbank loans                                       17.9      27.0      27.2      22.4      24.6      30.7      33.1      32.4          33.2      33.6      33.2      29.4

  14  Cash assets (5)                                       47.8      38.7      43.9      49.7      51.1      54.3      54.0      54.3          54.5      55.6      53.5      56.7

  15  Other assets (6)                                      27.7      34.5      30.0      32.5      36.6      36.7      33.2      36.3          33.2      30.5      29.8      25.0

  16  TOTAL ASSETS (7)                                     712.9     746.7     764.1     759.2     781.4     793.5     769.7     753.2         754.8     748.6     754.2     737.8

            L I A B I L I T I E S

  17  Deposits                                             497.6     442.8     448.4     434.6     433.4     442.6     453.4     455.2         450.1     448.8     455.1     449.7
  18    Transaction                                         10.1      10.3      11.5      11.2      10.8      11.4      11.4      11.8          12.9      11.3      11.5      10.7
  19    Nontransaction                                     487.5     432.6     436.9     423.4     422.6     431.2     442.0     443.4         437.2     437.5     443.6     439.0

  22  Borrowings                                           213.8     275.0     293.2     297.7     305.1     315.8     297.0     293.6         283.9     291.9     293.8     291.8
  23    From banks in the U.S.                              21.3      31.1      33.7      27.4      31.3      34.7      36.8      33.8          32.2      35.3      29.5      35.4
  24    From others                                        192.5     243.9     259.5     270.3     273.7     281.1     260.3     259.8         251.7     256.6     264.3     256.4

  25  Net due to related foreign offices                   -86.2     -78.4     -83.8     -72.9     -77.9     -81.9     -86.0    -103.5         -92.7    -100.7    -100.0     -96.0

  26  Other liabilities                                     97.6      99.6      94.7      90.6     106.8     113.5     108.9     116.1         115.4     115.4     114.4     107.3

  27  TOTAL LIABILITIES                                    722.9     738.9     752.5     750.0     767.4     790.0     773.3     761.4         756.7     755.4     763.3     752.8

  28  Residual (assets less liabilities) (8)               -10.0       7.8      11.6       9.2      13.9       3.5      -3.6      -8.2          -1.9      -6.8      -9.1     -15.0



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

  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                                                                                                                    September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          613.9     651.4     661.7     654.9     664.8     668.8     642.4     624.0         626.6     619.9     629.8     626.0

  2     Securities in bank credit (2)                      248.1     279.3     283.8     277.3     288.5     288.4     267.7     267.5         269.4     272.3     273.5     267.8
  3        Treasury and Agency securities                   81.8     116.7     122.5     124.2     127.4     124.3     114.5     107.4         105.7     108.1     110.5     107.4
  3a         Trading account                                13.0      36.4      37.2      39.8      43.1      43.2      40.5      39.6          38.7      41.3      41.0      39.2
  3b         Investment account                             68.7      80.3      85.4      84.4      84.3      81.1      74.0      67.9          67.0      66.9      69.5      68.1
  4        Other securities                                166.3     162.7     161.3     153.1     161.2     164.1     153.2     160.0         163.7     164.1     163.0     160.4
  4a         Trading account                               110.6     101.9     101.6      97.9     105.2     105.8      95.8      99.8         103.0     103.5     102.6     100.1
  4b         Investment account                             55.8      60.7      59.7      55.2      56.0      58.3      57.3      60.2          60.8      60.6      60.4      60.3

  5     Loans and leases in bank credit (3)                365.8     372.0     377.9     377.6     376.3     380.4     374.8     356.6         357.2     347.7     356.4     358.2
  6        Commercial and industrial                       187.7     175.6     173.2     171.3     168.6     162.8     161.8     155.0         154.1     153.1     152.3     152.6
  7        Real estate                                      18.9      19.7      19.8      19.0      19.3      19.4      19.4      19.1          18.9      18.9      18.9      18.9
  11       Security (4)                                     88.1     111.0     117.3     118.5     116.6     119.3     114.1     107.5         108.6     102.7     111.6     112.9
  12       Other loans and leases                           71.2      65.7      67.6      68.8      71.8      78.9      79.5      74.9          75.7      72.9      73.5      73.8

  13  Interbank loans                                       17.9      27.0      27.2      22.4      24.6      30.7      33.1      32.4          33.2      33.6      33.2      29.4

  14  Cash assets (5)                                       45.8      39.7      42.7      47.5      49.4      51.8      51.1      52.1          52.4      53.8      51.9      55.7

  15  Other assets (6)                                      27.4      35.0      30.7      32.4      36.7      35.3      32.1      35.8          33.1      30.6      30.0      24.9

  16  TOTAL ASSETS (7)                                     704.5     752.7     761.8     756.7     775.1     786.1     758.2     743.9         744.9     737.4     744.4     735.5

            L I A B I L I T I E S

  17  Deposits                                             480.7     453.0     452.4     440.6     438.8     440.8     443.7     439.7         435.9     430.5     435.6     430.4
  18    Transaction                                          9.8      10.3      11.1      10.6      10.4      11.0      11.4      11.5          12.5      11.2      11.3      10.7
  19    Nontransaction                                     470.8     442.7     441.3     430.0     428.4     429.7     432.3     428.3         423.4     419.2     424.3     419.7

  22  Borrowings                                           213.8     275.0     293.2     297.7     305.1     315.8     297.0     293.6         283.9     291.9     293.8     291.8
  23    From banks in the U.S.                              21.3      31.1      33.7      27.4      31.3      34.7      36.8      33.8          32.2      35.3      29.5      35.4
  24    From others                                        192.5     243.9     259.5     270.3     273.7     281.1     260.3     259.8         251.7     256.6     264.3     256.4

  25  Net due to related foreign offices                   -87.9     -77.3     -81.6     -73.3     -77.5     -83.7     -89.3    -104.9         -91.7    -100.8    -100.0     -95.2

  26  Other liabilities                                     96.5     100.4      96.3      90.3     107.1     111.9     106.3     114.9         116.3     115.3     114.5     107.9

  27  TOTAL LIABILITIES                                    703.1     751.1     760.3     755.3     773.5     784.8     757.6     743.3         744.3     736.8     743.9     734.9

  28  Residual (assets less liabilities) (8)                 1.4       1.6       1.5       1.5       1.6       1.3       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                                                                                                                    September 26, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Aug       Feb       Mar       Apr       May       Jun       Jul       Aug         Aug 27     Sep 3    Sep 10    Sep 17 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)             112.3     116.8     115.1     105.7     128.1     135.0     112.5      96.5          92.3     100.1     111.1     114.8

  30  Reval. losses on off-bal. sheet items (9)             94.2      94.9      91.3      81.4     105.1     110.0      85.3      79.4          76.7      79.7      92.6      96.0

  31  Mortgage-backed securities (10)                      340.4     377.0     381.4     400.8     427.1     436.7     412.7     387.6         379.9     387.6     380.4     369.0
  31a   Pass-through                                       254.2     276.9     276.2     288.6     314.3     324.8     301.5     274.1         271.9     274.2     268.3     259.6
  31b   CMO, REMIC, and other                               86.3     100.0     105.1     112.2     112.9     111.9     111.1     113.5         108.0     113.5     112.1     109.4

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                   9.1      11.7      11.7      10.1      11.2      12.8       6.8      -0.3          -0.6      -2.5       1.8       2.9

  33  Offshore credit to U.S. residents (12)                19.0      18.2      18.2      17.5      17.3      16.6      15.5      14.7          15.5      13.9      14.6      14.6

  34  Securitized consumer loans (13)                      143.3     151.0     152.9     154.6     155.3     157.3     161.6     162.5         162.3     162.1     161.9     159.7
  34a   Credit card and related plans                      125.5     134.8     136.7     138.7     139.4     140.6     144.0     144.5         144.5     144.4     144.3     143.3
  34b   Other                                               17.8      16.2      16.1      15.9      15.9      16.6      17.5      18.0          17.9      17.8      17.6      16.4

  35  Securitized business loans (13)                       17.8      17.2      15.8      10.0      10.2       9.9       8.4       7.2           6.8       6.8       8.1       8.1


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      297.2     314.4     325.5     336.1     337.1     336.8     332.0     330.3         329.0     330.8     330.7     325.2

  34  Securitized consumer loans (13)                      201.7     203.8     202.4     204.6     204.3     204.0     200.6     201.8         202.8     202.7     202.7     201.5
  34a   Credit card and related plans                      199.0     195.8     194.3     196.7     196.5     196.3     193.0     194.2         195.2     195.1     195.1     194.0
  34b   Other                                                2.7       8.0       8.1       7.9       7.8       7.7       7.6       7.6           7.6       7.6       7.6       7.6


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              65.0      67.1      65.4      64.9      73.6      72.6      65.3      65.9          67.9      68.0      67.1      65.9

  30  Reval. losses on off-bal. sheet items (9)             64.6      64.9      63.6      62.4      72.6      72.6      64.9      64.9          66.9      67.0      66.3      64.0

  35  Securitized business loans (13)                        9.1       4.6       4.1       3.3       3.0       2.5       1.5       1.4           1.4       1.3       1.3       1.3











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                September 26, 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. 
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