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: October 10, 2003
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H.8 (510)
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)                                                                              For use at 4:15 p.m. Eastern Time



Seasonally adjusted, billions of dollars                                                                                                                          October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,721.1   5,992.0   6,026.5   6,133.6   6,195.4   6,237.1   6,223.2   6,222.6       6,255.9   6,213.2   6,179.8   6,241.7

  2     Securities in bank credit                        1,642.6   1,766.1   1,778.7   1,837.4   1,862.3   1,817.3   1,774.8   1,775.0       1,781.8   1,757.0   1,758.2   1,808.1
  3        Treasury and Agency securities (2)              962.7   1,072.2   1,104.4   1,135.2   1,151.5   1,115.0   1,076.4   1,061.0       1,079.2   1,053.1   1,047.2   1,054.6
  4        Other securities                                679.9     693.9     674.3     702.2     710.9     702.3     698.4     714.0         702.6     703.8     711.1     753.4

  5     Loans and leases in bank credit (3)              4,078.5   4,225.9   4,247.8   4,296.2   4,333.1   4,419.8   4,448.5   4,447.6       4,474.1   4,456.2   4,421.6   4,433.7
  6        Commercial and industrial                       972.8     947.7     946.8     938.5     926.7     929.9     922.0     910.2         915.9     910.9     907.4     901.2
  7        Real estate                                   1,937.4   2,095.1   2,111.3   2,134.2   2,157.0   2,194.9   2,240.0   2,255.9       2,278.1   2,266.6   2,235.5   2,239.9
  8          Revolving home equity                         200.8     230.5     234.8     238.4     244.8     248.9     253.1     258.5         256.9     258.2     259.6     261.0
  9          Other                                       1,736.7   1,864.6   1,876.5   1,895.8   1,912.3   1,946.0   1,986.8   1,997.4       2,021.2   2,008.5   1,975.9   1,978.9
  10       Consumer                                        582.9     586.9     584.6     589.9     595.8     596.3     597.0     602.1         601.0     605.8     603.6     598.4
  11       Security (4)                                    180.9     193.6     190.6     210.3     212.2     214.8     207.0     202.2         201.5     197.5     198.6     214.2
  12       Other loans and leases                          404.4     402.6     414.5     423.2     441.4     483.9     482.5     477.2         477.6     475.3     476.5     479.9

  13  Interbank loans                                      317.2     313.4     304.9     316.8     320.2     321.6     326.6     307.3         300.2     302.3     308.0     320.7

  14  Cash assets (5)                                      318.1     323.6     319.7     318.3     331.4     336.4     343.7     329.8         316.2     334.0     319.8     340.4

  15  Other assets (6)                                     501.0     525.0     528.7     546.1     549.7     555.4     566.7     553.9         566.4     534.8     541.6     565.1

  16  TOTAL ASSETS (7)                                   6,782.0   7,077.5   7,104.6   7,239.4   7,321.4   7,375.5   7,384.2   7,337.6       7,362.8   7,308.2   7,273.0   7,392.2

            L I A B I L I T I E S

  17  Deposits                                           4,478.4   4,585.6   4,612.6   4,643.4   4,702.4   4,748.0   4,799.6   4,774.5       4,766.2   4,773.6   4,765.6   4,774.8
  18    Transaction                                        582.7     619.4     632.4     634.1     639.3     655.3     655.1     636.8         602.5     642.0     672.8     635.5
  19    Nontransaction                                   3,895.7   3,966.3   3,980.2   4,009.3   4,063.1   4,092.8   4,144.5   4,137.7       4,163.7   4,131.6   4,092.9   4,139.3
  20       Large time                                    1,044.0   1,001.6     985.5     999.2   1,003.3   1,020.8   1,031.5   1,040.9       1,045.6   1,037.1   1,046.8   1,037.1
  21       Other                                         2,851.7   2,964.7   2,994.7   3,010.2   3,059.8   3,072.0   3,113.0   3,096.8       3,118.1   3,094.5   3,046.1   3,102.2

  22  Borrowings                                         1,325.8   1,389.8   1,396.7   1,438.2   1,478.1   1,515.1   1,518.1   1,483.5       1,507.0   1,483.3   1,456.5   1,481.2
  23    From banks in the U.S.                             415.9     397.3     397.1     389.8     408.6     410.8     416.3     403.4         396.0     412.1     404.8     399.7
  24    From others                                        909.9     992.6     999.6   1,048.4   1,069.5   1,104.2   1,101.8   1,080.1       1,111.0   1,071.3   1,051.7   1,081.5

  25  Net due to related foreign offices                    92.7     135.8     139.3     146.5     126.4     143.0     126.8     122.6         135.6     130.7     113.4     107.7

  26  Other liabilities                                    431.2     430.0     434.7     459.6     469.9     438.7     428.4     446.3         446.6     426.1     425.4     489.6

  27  TOTAL LIABILITIES                                  6,328.1   6,541.2   6,583.2   6,687.7   6,776.8   6,844.7   6,872.9   6,826.9       6,855.4   6,813.8   6,761.0   6,853.3

  28  Residual (assets less liabilities) (8)               453.9     536.3     521.4     551.7     544.6     530.7     511.3     510.7         507.4     494.4     512.0     538.9



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

  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                                                                                                                      October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,717.8   5,980.8   6,021.0   6,128.2   6,191.9   6,212.3   6,203.2   6,219.1       6,245.1   6,220.2   6,172.2   6,240.8

  2     Securities in bank credit                        1,641.4   1,771.1   1,776.5   1,835.1   1,856.2   1,802.1   1,767.5   1,773.7       1,782.9   1,755.9   1,754.2   1,805.9
  3        Treasury and Agency securities (2)              962.5   1,077.2   1,104.3   1,133.2   1,146.8   1,106.9   1,072.5   1,060.9       1,081.8   1,053.2   1,045.2   1,052.2
  4        Other securities                                678.9     693.9     672.2     702.0     709.4     695.2     695.0     712.9         701.1     702.6     709.0     753.7

  5     Loans and leases in bank credit (3)              4,076.4   4,209.7   4,244.5   4,293.1   4,335.8   4,410.2   4,435.7   4,445.4       4,462.2   4,464.3   4,418.0   4,434.9
  6        Commercial and industrial                       971.2     949.1     950.6     942.3     930.7     931.0     918.2     908.6         910.5     910.5     906.6     902.7
  7        Real estate                                   1,939.1   2,086.1   2,107.6   2,138.0   2,158.3   2,193.3   2,240.0   2,257.9       2,280.5   2,270.5   2,236.9   2,240.7
  8          Revolving home equity                         201.4     228.4     234.5     239.6     245.6     249.0     253.3     259.3         257.6     259.3     260.5     261.9
  9          Other                                       1,737.7   1,857.6   1,873.2   1,898.4   1,912.7   1,944.4   1,986.7   1,998.6       2,023.0   2,011.2   1,976.4   1,978.9
  10       Consumer                                        581.9     584.7     581.8     588.7     592.4     590.7     593.2     600.1         597.8     604.6     602.7     596.0
  10a        Credit card and related plans                 230.9     219.6     215.6     221.5     223.2     219.9     219.9     222.9         221.3     226.8     224.7     218.1
  10b        Other                                         351.0     365.0     366.2     367.2     369.3     370.8     373.3     377.2         376.6     377.8     378.0     377.9
  11       Security (4)                                    179.4     189.2     189.8     202.6     210.8     208.7     201.7     200.0         194.2     201.5     198.0     211.1
  12       Other loans and leases                          404.8     400.7     414.7     421.6     443.5     486.4     482.5     478.8         479.2     477.2     473.8     484.4

  13  Interbank loans                                      309.6     319.9     316.0     312.6     321.4     317.1     320.8     300.5         299.9     298.2     288.5     312.6

  14  Cash assets (5)                                      314.3     312.8     318.0     314.7     322.2     325.7     327.1     326.1         317.9     326.9     306.2     336.9

  15  Other assets (6)                                     504.6     524.1     528.1     544.0     544.3     553.7     563.1     557.9         571.0     538.1     541.6     574.5

  16  TOTAL ASSETS (7)                                   6,770.8   7,060.8   7,108.0   7,223.8   7,304.3   7,333.8   7,338.0   7,327.4       7,357.6   7,307.0   7,232.5   7,389.5

            L I A B I L I T I E S

  17  Deposits                                           4,441.7   4,592.8   4,637.7   4,636.4   4,691.5   4,718.6   4,749.7   4,738.2       4,750.9   4,735.4   4,690.0   4,749.2
  18    Transaction                                        577.8     611.0     638.3     623.9     633.9     646.6     638.7     631.4         605.0     636.3     646.7     636.2
  19    Nontransaction                                   3,863.9   3,981.8   3,999.4   4,012.5   4,057.6   4,072.0   4,110.9   4,106.7       4,145.9   4,099.1   4,043.3   4,113.0
  20       Large time                                    1,023.5   1,004.3     989.9   1,002.8   1,001.4   1,009.7   1,015.4   1,021.8       1,026.3   1,015.9   1,027.3   1,020.6
  21       Other                                         2,840.4   2,977.4   3,009.5   3,009.6   3,056.2   3,062.3   3,095.6   3,085.0       3,119.6   3,083.2   3,016.0   3,092.4

  22  Borrowings                                         1,323.5   1,386.2   1,400.8   1,443.9   1,477.2   1,508.0   1,498.1   1,481.7       1,489.9   1,486.7   1,464.6   1,484.4
  23    From banks in the U.S.                             409.1     400.7     401.2     392.2     406.7     407.5     411.7     396.6         386.5     405.7     398.9     393.9
  24    From others                                        914.4     985.5     999.6   1,051.8   1,070.4   1,100.6   1,086.3   1,085.0       1,103.4   1,080.9   1,065.7   1,090.6

  25  Net due to related foreign offices                    95.0     133.9     130.2     146.0     123.5     133.6     125.1     124.9         135.5     131.1     120.0     110.9

  26  Other liabilities                                    433.5     426.6     423.1     458.8     466.8     429.3     426.7     448.7         446.6     426.4     431.9     493.7

  27  TOTAL LIABILITIES                                  6,293.8   6,539.5   6,591.8   6,685.1   6,759.0   6,789.6   6,799.6   6,793.5       6,822.9   6,779.7   6,706.6   6,838.2

  28  Residual (assets less liabilities) (8)               477.1     521.3     516.2     538.7     545.3     544.2     538.5     534.0         534.7     527.3     525.9     551.3





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

  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                                                                                                                          October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------       -------  -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,099.0   5,328.5   5,371.5   5,464.0   5,523.2   5,587.3   5,592.7   5,590.1       5,617.7   5,585.8   5,553.9   5,600.7

  2     Securities in bank credit                        1,392.7   1,482.3   1,501.4   1,548.8   1,574.0   1,549.7   1,507.3   1,500.5       1,508.3   1,489.0   1,487.1   1,519.8
  3        Treasury and Agency securities (2)              873.1     949.7     980.2   1,007.8   1,027.2   1,000.5     969.0     952.8         968.7     945.8     939.4     947.7
  4        Other securities                                519.6     532.6     521.1     541.0     546.8     549.1     538.3     547.7         539.6     543.3     547.7     572.1

  5     Loans and leases in bank credit (3)              3,706.3   3,846.2   3,870.1   3,915.2   3,949.2   4,037.6   4,085.3   4,089.6       4,109.4   4,096.8   4,066.8   4,080.9
  6        Commercial and industrial                       787.8     776.0     774.6     768.1     763.3     767.2     765.7     759.0         762.5     758.3     757.1     754.9
  7        Real estate                                   1,918.4   2,075.2   2,092.3   2,114.9   2,137.6   2,175.5   2,220.9   2,237.1       2,259.2   2,247.8   2,216.7   2,221.3
  8          Revolving home equity                         200.8     230.5     234.8     238.4     244.8     248.9     253.1     258.5         256.9     258.2     259.6     261.0
  9          Other                                       1,717.7   1,844.7   1,857.5   1,876.5   1,892.9   1,926.6   1,967.8   1,978.6       2,002.2   1,989.6   1,957.1   1,960.3
  10       Consumer                                        582.9     586.9     584.6     589.9     595.8     596.3     597.0     602.1         601.0     605.8     603.6     598.4
  11       Security (4)                                     85.7      72.2      72.4      91.4      90.3      95.9      95.4      88.9          83.4      84.1      85.7     104.5
  12       Other loans and leases                          331.4     335.8     346.2     350.8     362.1     402.7     406.4     402.5         403.4     400.8     403.7     401.8

  13  Interbank loans                                      296.0     286.2     282.5     292.3     289.5     288.5     294.3     276.7         267.0     272.9     277.6     292.9

  14  Cash assets (5)                                      271.5     279.7     270.0     267.3     277.1     282.4     289.4     276.5         262.8     277.4     269.9     288.4

  15  Other assets (6)                                     474.2     495.0     496.2     509.5     513.0     522.3     530.3     524.4         536.6     508.8     511.3     533.6

  16  TOTAL ASSETS (7)                                   6,065.7   6,313.4   6,345.4   6,458.0   6,527.9   6,605.8   6,631.1   6,592.2       6,608.7   6,569.3   6,537.1   6,640.4

            L I A B I L I T I E S

  17  Deposits                                           3,986.1   4,137.2   4,178.0   4,210.0   4,259.8   4,294.7   4,344.4   4,323.5       4,311.2   4,323.8   4,311.8   4,329.0
  18    Transaction                                        572.6     607.9     621.2     623.3     627.9     643.8     643.3     625.9         591.1     631.3     662.4     624.6
  19    Nontransaction                                   3,413.4   3,529.4   3,556.8   3,586.7   3,631.9   3,650.8   3,701.1   3,697.5       3,720.1   3,692.6   3,649.4   3,704.3
  20       Large time                                      568.1     583.6     582.2     595.7     590.4     586.3     600.2     604.8         607.4     600.3     607.1     604.1
  21       Other                                         2,845.3   2,945.8   2,974.5   2,991.0   3,041.4   3,064.6   3,100.9   3,092.8       3,112.7   3,092.2   3,042.3   3,100.2

  22  Borrowings                                         1,098.7   1,096.6   1,098.9   1,133.1   1,162.4   1,218.0   1,224.4   1,190.7       1,213.2   1,191.5   1,175.3   1,174.7
  23    From banks in the U.S.                             393.3     363.6     369.7     358.5     373.9     374.1     382.4     369.7         366.5     376.7     372.9     362.1
  24    From others                                        705.4     733.1     729.2     774.6     788.5     844.0     842.0     821.0         846.7     814.8     802.4     812.6

  25  Net due to related foreign offices                   177.4     219.6     212.2     224.3     208.3     229.0     230.3     222.8         235.6     224.9     213.5     215.0

  26  Other liabilities                                    339.5     335.3     344.2     352.8     356.4     329.8     312.4     335.5         332.2     319.6     318.9     375.4

  27  TOTAL LIABILITIES                                  5,601.7   5,788.7   5,833.2   5,920.2   5,986.8   6,071.5   6,111.5   6,072.5       6,092.2   6,059.8   6,019.6   6,094.0

  28  Residual (assets less liabilities) (8)               464.0     524.7     512.2     537.8     541.1     534.3     519.5     519.7         516.5     509.4     517.4     546.3



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                   Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                      October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        5,099.3   5,319.1   5,366.2   5,463.4   5,523.2   5,569.8   5,579.2   5,590.8       5,615.3   5,594.1   5,548.2   5,602.3

  2     Securities in bank credit                        1,391.5   1,487.3   1,499.2   1,546.6   1,567.8   1,534.4   1,500.0   1,499.3       1,509.4   1,487.9   1,483.1   1,517.7
  3        Treasury and Agency securities (2)              873.0     954.7     980.1   1,005.8   1,022.5     992.4     965.0     952.7         971.3     945.9     937.4     945.2
  4        Other securities                                518.6     532.6     519.1     540.8     545.3     542.0     535.0     546.6         538.1     542.1     545.7     572.4

  5     Loans and leases in bank credit (3)              3,707.7   3,831.8   3,867.0   3,916.8   3,955.3   4,035.4   4,079.1   4,091.6       4,105.8   4,106.2   4,065.2   4,084.7
  6        Commercial and industrial                       786.3     775.9     779.3     773.7     767.9     769.2     763.1     757.5         758.1     757.9     755.8     755.4
  7        Real estate                                   1,920.0   2,066.2   2,088.6   2,118.7   2,138.9   2,173.9   2,221.0   2,239.1       2,261.6   2,251.6   2,218.1   2,222.1
  8          Revolving home equity                         201.4     228.4     234.5     239.6     245.6     249.0     253.3     259.3         257.6     259.3     260.5     261.9
  9          Other                                       1,718.6   1,837.8   1,854.1   1,879.1   1,893.3   1,925.0   1,967.7   1,979.8       2,004.0   1,992.4   1,957.6   1,960.2
  10       Consumer                                        581.9     584.7     581.8     588.7     592.4     590.7     593.2     600.1         597.8     604.6     602.7     596.0
  10a        Credit card and related plans                 230.9     219.6     215.6     221.5     223.2     219.9     219.9     222.9         221.3     226.8     224.7     218.1
  10d        Other                                         351.0     365.0     366.2     367.2     369.3     370.8     373.3     377.2         376.6     377.8     378.0     377.9
  11       Security (4)                                     87.1      71.9      71.3      86.0      91.4      94.6      94.2      90.1          82.6      88.7      86.5     105.0
  12       Other loans and leases                          332.5     333.1     345.9     349.7     364.6     407.0     407.6     404.8         405.7     403.4     402.0     406.3

  13  Interbank loans                                      288.4     292.6     293.6     288.0     290.8     283.9     288.4     269.9         266.6     268.7     258.1     284.9

  14  Cash assets (5)                                      268.0     270.1     270.4     265.3     270.5     274.6     275.0     273.1         266.0     271.3     255.7     283.7

  15  Other assets (6)                                     477.8     493.4     495.8     507.3     509.0     521.6     527.3     528.4         541.0     512.1     511.5     543.0

  16  TOTAL ASSETS (7)                                   6,058.4   6,299.0   6,351.3   6,448.7   6,518.3   6,575.6   6,594.2   6,586.6       6,613.2   6,570.4   6,498.0   6,638.9

            L I A B I L I T I E S

  17  Deposits                                           3,967.6   4,140.3   4,197.1   4,197.6   4,250.7   4,275.0   4,309.9   4,303.7       4,315.4   4,305.0   4,250.0   4,315.5
  18    Transaction                                        567.5     599.8     627.7     613.5     622.8     635.3     627.3     620.4         593.8     625.6     635.9     624.7
  19    Nontransaction                                   3,400.1   3,540.5   3,569.4   3,584.1   3,627.9   3,639.7   3,682.7   3,683.3       3,721.6   3,679.4   3,614.1   3,690.8
  20       Large time                                      565.7     582.1     580.4     593.9     590.0     584.6     598.8     602.2         607.2     598.4     601.7     600.4
  21       Other                                         2,834.4   2,958.4   2,989.1   2,990.2   3,037.8   3,055.1   3,083.9   3,081.1       3,114.4   3,081.0   3,012.3   3,090.4

  22  Borrowings                                         1,096.4   1,093.0   1,103.1   1,138.9   1,161.4   1,211.0   1,204.5   1,188.9       1,196.1   1,194.8   1,183.4   1,177.9
  23    From banks in the U.S.                             386.5     367.0     373.8     360.8     372.0     370.7     377.9     363.0         357.0     370.3     367.0     356.3
  24    From others                                        709.9     726.0     729.3     778.0     789.4     840.3     826.6     825.9         839.1     824.5     816.4     821.6

  25  Net due to related foreign offices                   178.2     215.5     203.5     223.5     207.3     222.9     230.0     223.8         235.5     224.5     216.7     216.7

  26  Other liabilities                                    340.9     330.4     332.8     351.7     354.9     323.0     311.9     336.9         332.2     319.2     322.6     378.2

  27  TOTAL LIABILITIES                                  5,583.1   5,779.2   5,836.5   5,911.7   5,974.2   6,031.9   6,056.3   6,053.3       6,079.1   6,043.6   5,972.6   6,088.3

  28  Residual (assets less liabilities) (8)               475.4     519.8     514.7     537.0     544.0     543.6     537.9     533.4         534.1     526.7     525.4     550.7






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

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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                                                                                                    October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,799.3   2,928.6   2,948.8   3,023.9   3,059.2   3,096.4   3,083.0   3,081.6       3,101.1   3,076.6   3,053.2   3,094.4

  2     Securities in bank credit                          745.0     803.2     810.1     856.6     880.6     847.5     801.9     799.3         802.1     790.1     789.2     819.1
  3        Treasury and Agency securities (2)              432.3     476.6     493.3     520.0     536.0     503.0     467.6     456.4         467.0     451.0     446.0     453.9
  3a         Trading account                                42.4      41.8      40.7      43.6      38.7      37.6      33.5      38.1          44.7      39.1      29.8      36.0
  3b         Investment account                            389.9     434.7     452.6     476.4     497.4     465.3     434.1     418.3         422.3     411.9     416.2     417.9
  4        Other securities                                312.8     326.6     316.8     336.6     344.6     344.5     334.3     342.9         335.1     339.1     343.2     365.2
  4a         Trading account                               171.3     171.6     161.5     183.4     188.1     173.4     162.4     171.1         164.4     167.7     171.6     190.7
  4b         Investment account                            141.5     155.0     155.3     153.2     156.5     171.1     171.9     171.8         170.7     171.4     171.6     174.5
  4c           State and local government                   28.4      30.1      30.9      31.3      32.2      32.3      31.4      31.5          31.4      31.4      31.6      31.5
  4d           Other                                       113.1     124.9     124.4     121.9     124.3     138.8     140.5     140.4         139.4     140.0     139.9     143.0

  5     Loans and leases in bank credit (3)              2,054.3   2,125.4   2,138.7   2,167.3   2,178.6   2,248.9   2,281.1   2,282.3       2,299.0   2,286.5   2,264.0   2,275.3
  6        Commercial and industrial                       496.7     478.2     476.0     468.0     461.4     463.8     458.6     450.3         453.3     449.7     448.8     445.8
  7        Real estate                                     929.1   1,037.9   1,043.7   1,058.5   1,066.2   1,090.2   1,123.4   1,139.1       1,156.7   1,148.5   1,122.8   1,125.7
  8          Revolving home equity                         127.6     147.8     150.4     152.9     156.4     160.1     163.7     168.1         166.9     167.8     169.3     169.9
  9          Other                                         801.6     890.1     893.3     905.6     909.7     930.1     959.7     971.0         989.8     980.7     953.4     955.9
  10       Consumer                                        319.0     313.8     312.3     312.5     314.2     311.7     312.7     316.0         316.1     317.8     317.7     312.6
  11       Security (4)                                     78.6      64.1      64.3      82.6      80.9      86.6      86.0      79.6          74.3      74.9      76.4      95.3
  11a        Fed funds and RPs with broker/dealer           68.6      52.6      52.4      63.0      63.5      68.7      66.8      62.1          56.7      58.7      58.4      76.7
  11b        Other                                           9.9      11.4      11.8      19.5      17.4      17.9      19.2      17.6          17.7      16.2      18.0      18.6
  12a      State and local government                       13.1      12.5      12.4      12.4      12.7      13.0      13.3      13.4          13.3      13.3      13.5      13.8
  12b      Agricultural                                      8.3       7.9       7.7       7.5       7.4       7.3       7.4       7.4           7.5       7.5       7.4       7.4
  12c      Fed funds and RPs with others                    20.4      23.5      24.7      26.5      28.0      25.8      24.2      26.5          24.7      26.1      28.4      27.8
  12d      All other loans                                  68.9      77.1      88.2      89.5      97.2     140.6     146.0     140.5         143.6     139.3     139.9     138.1
  12e      Lease financing receivables                     120.0     110.5     109.4     109.8     110.7     109.9     109.4     109.3         109.5     109.4     109.2     108.9

  13  Interbank loans                                      197.4     171.8     171.1     171.0     165.1     168.8     178.5     164.0         159.7     159.8     163.0     177.3
  13a   Fed funds and RPs with banks                       101.7     100.3      99.1     100.8      97.7      97.7      99.0      95.5          90.6      94.8      97.3     100.6
  13b   Other                                               95.6      71.5      72.0      70.2      67.4      71.1      79.5      68.5          69.1      64.9      65.7      76.7

  14  Cash assets (5)                                      148.5     148.3     135.8     132.9     140.4     142.1     146.7     139.8         130.6     138.9     130.9     152.8

  15  Other assets (6)                                     329.1     347.6     347.2     356.5     359.2     364.1     367.6     357.4         375.6     345.8     347.1     352.4

  16  TOTAL ASSETS (7)                                   3,430.4   3,551.3   3,558.9   3,640.1   3,679.7   3,727.9   3,731.6   3,698.9       3,723.2   3,677.3   3,650.1   3,733.2



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

  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)                                                                                        October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,930.8   2,015.3   2,039.8   2,046.6   2,075.8   2,093.6   2,128.0   2,113.4       2,106.1   2,112.3   2,106.4   2,116.6
  18    Transaction                                        274.3     291.0     296.2     297.3     300.2     307.2     304.1     290.8         272.9     297.1     312.8     282.0
  19    Nontransaction                                   1,656.5   1,724.3   1,743.6   1,749.2   1,775.7   1,786.5   1,823.9   1,822.6       1,833.1   1,815.2   1,793.6   1,834.6
  20       Large time                                      267.8     269.1     267.2     279.1     271.1     268.9     283.2     286.3         287.9     281.8     289.0     285.9
  21       Other                                         1,388.7   1,455.2   1,476.4   1,470.2   1,504.6   1,517.5   1,540.7   1,536.2       1,545.3   1,533.4   1,504.7   1,548.7

  22  Borrowings                                           744.7     699.6     697.4     722.9     746.7     794.2     786.0     750.7         773.3     748.9     728.3     741.6
  23    From banks in the U.S.                             269.4     208.0     212.3     203.6     216.7     213.9     213.4     204.6         210.3     207.9     200.9     194.3
  24    From others                                        475.3     491.6     485.1     519.3     530.0     580.4     572.7     546.1         563.0     541.0     527.4     547.3

  25  Net due to related foreign offices                   168.8     208.9     199.3     211.9     196.3     217.2     218.3     209.0         221.5     209.7     200.5     202.0

  26  Other liabilities                                    273.2     255.6     264.7     272.7     277.0     249.2     231.7     254.9         252.4     240.7     239.7     290.9

  27  TOTAL LIABILITIES                                  3,117.5   3,179.5   3,201.2   3,254.0   3,295.8   3,354.3   3,364.0   3,328.0       3,353.3   3,311.6   3,275.0   3,351.0

  28  Residual (assets less liabilities) (8)               312.9     371.9     357.7     386.0     383.9     373.6     367.6     370.9         369.9     365.7     375.2     382.2



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

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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                                                                                                October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,797.2   2,922.5   2,945.3   3,024.9   3,061.5   3,084.2   3,072.7   3,080.2       3,098.3   3,081.2   3,042.5   3,095.8

  2     Securities in bank credit                          743.8     805.5     806.4     855.1     874.9     834.1     796.3     797.9         803.0     788.5     783.6     818.4
  3        Treasury and Agency securities (2)              432.0     478.8     491.7     518.8     531.8     496.7     465.4     456.1         469.4     450.6     442.5     452.9
  3a         Trading account                                42.4      42.1      40.6      43.5      38.4      37.2      33.3      38.1          44.9      39.1      29.6      35.9
  3b         Investment account                            389.6     436.8     451.1     475.3     493.3     459.5     432.1     418.0         424.4     411.5     412.9     417.0
  3c           Mortgage-backed                             310.2     334.7     354.4     380.2     389.4     364.1     335.5     320.8         327.6     316.8     314.8     317.6
  3d           Other                                        79.4     102.0      96.7      95.0     103.9      95.4      96.6      97.3          96.8      94.7      98.1      99.4
  3e             1 year or less                             19.9      24.4      24.6      23.2      24.3      24.1      24.4      23.9          24.9      23.9      23.5      23.2
  3f             Between 1 and 5 years                      46.6      57.3      55.2      55.2      57.3      51.2      52.5      52.9          52.1      51.9      53.0      54.1
  3g             More than 5 years                          13.0      20.3      16.9      16.7      22.3      20.1      19.7      20.4          19.8      18.9      21.6      22.0
  4        Other securities                                311.7     326.7     314.7     336.3     343.1     337.4     330.9     341.8         333.6     337.9     341.1     365.5
  4a         Trading account                               170.7     171.7     160.5     183.2     187.3     169.8     160.7     170.6         163.7     167.1     170.6     190.8
  4b         Investment account                            141.0     155.0     154.3     153.1     155.8     167.6     170.2     171.3         170.0     170.8     170.5     174.7
  4c           State and local government                   28.4      30.1      30.7      31.3      32.1      31.6      31.1      31.4          31.2      31.3      31.4      31.6
  4d           Other                                       112.7     124.9     123.6     121.8     123.8     136.0     139.1     139.9         138.7     139.5     139.1     143.1

  5     Loans and leases in bank credit (3)              2,053.5   2,117.0   2,138.8   2,169.8   2,186.6   2,250.0   2,276.4   2,282.2       2,295.3   2,292.7   2,258.9   2,277.4
  6        Commercial and industrial                       496.9     478.1     478.5     471.1     463.7     465.0     457.2     450.5         451.6     451.0     448.7     447.6
  7        Real estate                                     930.2   1,031.1   1,041.8   1,062.8   1,068.6   1,090.2   1,124.3   1,140.5       1,159.7   1,151.3   1,122.0   1,126.0
  8          Revolving home equity                         128.0     146.1     150.3     154.0     157.4     160.5     164.2     168.6         167.5     168.5     169.6     170.3
  9a         Other residential                             483.3     561.2     569.8     588.3     591.6     613.2     643.5     654.6         675.5     665.3     634.4     638.4
  9b         Commercial                                    318.9     323.8     321.7     320.5     319.7     316.5     316.6     317.3         316.7     317.6     317.9     317.3
  10       Consumer                                        316.1     314.3     312.9     313.4     314.3     309.8     310.2     312.3         312.3     314.3     313.9     308.7
  10a        Credit card and related plans                 118.6     105.9     103.5     103.9     104.9     100.0      99.7      99.2          99.5     100.8     100.4      95.2
  10f        Other                                         197.5     208.4     209.4     209.6     209.4     209.8     210.5     213.1         212.8     213.5     213.6     213.4
  11       Security (4)                                     80.0      63.5      62.9      77.3      82.1      85.4      84.8      81.0          73.2      79.5      77.8      95.9
  11a        Fed funds and RPs with broker/dealer           69.9      52.2      51.4      59.0      64.5      67.8      65.9      63.1          55.8      62.3      59.5      77.2
  11b        Other                                          10.1      11.3      11.6      18.3      17.6      17.6      18.9      17.9          17.4      17.2      18.3      18.7
  12a      State and local government                       13.1      12.5      12.4      12.4      12.7      13.0      13.3      13.4          13.3      13.3      13.5      13.8
  12b      Agricultural                                      8.3       7.8       7.7       7.6       7.5       7.4       7.5       7.4           7.5       7.4       7.4       7.3
  12c      Fed funds and RPs with others                    20.4      23.5      24.7      26.5      28.0      25.8      24.2      26.5          24.7      26.1      28.4      27.8
  12d      All other loans                                  70.0      74.9      88.0      88.9      99.3     144.0     146.5     142.8         145.1     142.1     139.7     142.2
  12e      Lease financing receivables                     118.5     111.2     109.8     109.8     110.3     109.4     108.4     107.8         107.9     107.8     107.5     108.1

  13  Interbank loans                                      191.4     171.9     174.4     171.7     169.3     168.9     173.3     158.6         151.5     157.2     155.3     172.8
  13a   Fed funds and RPs with banks                        98.9     100.4     101.0     101.2     100.2      97.8      96.2      92.4          85.9      93.3      92.7      98.1
  13b   Other                                               92.5      71.5      73.4      70.5      69.1      71.1      77.1      66.3          65.6      63.9      62.6      74.7

  14  Cash assets (5)                                      145.5     143.3     138.5     132.0     136.0     136.6     137.1     136.9         129.8     135.9     122.6     149.6

  15  Other assets (6)                                     332.7     345.9     346.8     354.3     355.2     363.5     364.6     361.4         380.0     349.2     347.3     361.9

  16  TOTAL ASSETS (7)                                   3,422.9   3,538.4   3,561.0   3,638.5   3,677.6   3,709.7   3,703.3   3,693.1       3,715.4   3,679.4   3,623.7   3,736.6

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

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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)                                                                                    October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

            L I A B I L I T I E S

  17  Deposits                                           1,923.2   2,013.3   2,047.2   2,042.2   2,076.3   2,087.7   2,111.6   2,104.9       2,109.7   2,106.4   2,071.7   2,113.1
  18    Transaction                                        270.0     286.6     302.4     293.0     297.4     301.3     291.9     286.0         269.9     293.8     296.7     282.2
  19    Nontransaction                                   1,653.2   1,726.7   1,744.9   1,749.2   1,778.9   1,786.4   1,819.7   1,818.8       1,839.8   1,812.6   1,775.0   1,831.0
  20       Large time                                      265.4     267.6     265.3     277.3     270.7     267.3     281.8     283.8         287.7     279.8     283.6     282.1
  21       Other                                         1,387.9   1,459.1   1,479.5   1,471.9   1,508.3   1,519.1   1,537.9   1,535.1       1,552.1   1,532.7   1,491.3   1,548.8

  22  Borrowings                                           742.4     696.0     701.6     728.6     745.7     787.2     766.1     748.9         756.2     752.2     736.4     744.9
  23    From banks in the U.S.                             262.6     211.4     216.4     205.9     214.8     210.5     208.8     197.9         200.8     201.6     195.0     188.5
  24    From others                                        479.8     484.6     485.1     522.7     530.9     576.7     557.2     551.0         555.4     550.7     541.4     556.3

  25  Net due to related foreign offices                   169.6     204.8     190.7     211.0     195.2     211.1     218.0     210.0         221.3     209.3     203.7     203.7

  26  Other liabilities                                    274.5     250.7     253.3     271.7     275.5     242.4     231.2     256.3         252.4     240.4     243.3     293.6

  27  TOTAL LIABILITIES                                  3,109.7   3,164.9   3,192.8   3,253.6   3,292.8   3,328.4   3,326.9   3,320.0       3,339.6   3,308.3   3,255.1   3,355.3

  28  Residual (assets less liabilities) (8)               313.2     373.5     368.2     384.9     384.8     381.4     376.4     373.1         375.8     371.1     368.7     381.4













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

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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                                                                                                    October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,299.7   2,399.9   2,422.7   2,440.1   2,464.0   2,490.8   2,509.7   2,508.6       2,516.6   2,509.2   2,500.7   2,506.3

  2     Securities in bank credit                          647.7     679.1     691.3     692.3     693.4     702.1     705.4     701.2         706.2     698.9     697.9     700.7
  3        Treasury and Agency securities (2)              440.9     473.1     486.9     487.8     491.2     497.5     501.4     496.4         501.7     494.8     493.4     493.7
  4        Other securities                                206.8     206.0     204.3     204.4     202.2     204.6     204.1     204.8         204.5     204.1     204.5     206.9

  5     Loans and leases in bank credit (3)              1,652.0   1,720.8   1,731.4   1,747.9   1,770.6   1,788.7   1,804.2   1,807.4       1,810.4   1,810.3   1,802.8   1,805.6
  6        Commercial and industrial                       291.1     297.9     298.6     300.1     301.9     303.3     307.2     308.7         309.2     308.6     308.3     309.1
  7        Real estate                                     989.3   1,037.3   1,048.6   1,056.4   1,071.5   1,085.3   1,097.5   1,098.0       1,102.5   1,099.3   1,093.9   1,095.6
  8          Revolving home equity                          73.2      82.7      84.3      85.5      88.4      88.9      89.4      90.4          90.1      90.3      90.3      91.2
  9          Other                                         916.1     954.6     964.2     970.8     983.1     996.5   1,008.0   1,007.6       1,012.5   1,008.9   1,003.7   1,004.4
  10       Consumer                                        263.9     273.2     272.3     277.4     281.6     284.6     284.2     286.1         284.9     287.9     285.9     285.8
  11       Security (4)                                      7.2       8.1       8.2       8.9       9.4       9.3       9.4       9.2           9.0       9.3       9.3       9.2
  12       Other loans and leases                          100.6     104.3     103.8     105.1     106.1     106.1     105.9     105.3         104.8     105.2     105.4     105.9

  13  Interbank loans                                       98.7     114.3     111.4     121.3     124.4     119.7     115.8     112.7         107.4     113.1     114.6     115.6

  14  Cash assets (5)                                      123.0     131.4     134.2     134.4     136.7     140.3     142.7     136.8         132.1     138.4     138.9     135.6

  15  Other assets (6)                                     145.1     147.4     149.0     152.9     153.8     158.1     162.8     167.0         161.0     163.0     164.2     181.1

  16  TOTAL ASSETS (7)                                   2,635.3   2,762.1   2,786.5   2,817.9   2,848.2   2,877.9   2,899.5   2,893.4       2,885.5   2,891.9   2,886.9   2,907.1

            L I A B I L I T I E S

  17  Deposits                                           2,055.2   2,122.0   2,138.2   2,163.4   2,183.9   2,201.0   2,216.4   2,210.1       2,205.1   2,211.5   2,205.4   2,212.4
  18    Transaction                                        298.3     316.9     325.0     326.0     327.7     336.7     339.2     335.1         318.2     334.1     349.6     342.7
  19    Nontransaction                                   1,756.9   1,805.1   1,813.2   1,837.5   1,856.2   1,864.4   1,877.2   1,875.0       1,886.9   1,877.4   1,855.8   1,869.7
  20       Large time                                      300.3     314.5     315.1     316.6     319.3     317.3     317.0     318.4         319.5     318.5     318.1     318.2
  21       Other                                         1,456.6   1,490.6   1,498.1   1,520.8   1,536.9   1,547.0   1,560.2   1,556.5       1,567.4   1,558.9   1,537.7   1,551.5

  22  Borrowings                                           354.0     397.0     401.5     410.2     415.7     423.8     438.4     440.0         439.9     442.6     447.0     433.0
  23    From banks in the U.S.                             123.9     155.6     157.4     154.9     157.2     160.2     169.1     165.1         156.3     168.8     172.0     167.7
  24    From others                                        230.1     241.5     244.2     255.3     258.5     263.6     269.3     274.9         283.7     273.8     275.0     265.3

  25  Net due to related foreign offices                     8.6      10.7      12.8      12.4      12.0      11.8      12.0      13.9          14.1      15.2      13.0      13.0

  26  Other liabilities                                     66.3      79.6      79.5      80.1      79.4      80.6      80.7      80.6          79.8      78.9      79.2      84.5

  27  TOTAL LIABILITIES                                  2,484.2   2,609.3   2,632.0   2,666.2   2,691.0   2,717.2   2,747.5   2,744.5       2,738.9   2,748.2   2,744.7   2,743.0

  28  Residual (assets less liabilities) (8)               151.1     152.8     154.5     151.8     157.2     160.7     152.0     148.8         146.6     143.7     142.3     164.1



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

  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                                                                                                October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                        2,302.0   2,396.6   2,420.9   2,438.5   2,461.7   2,485.7   2,506.5   2,510.7       2,517.0   2,512.9   2,505.7   2,506.6

  2     Securities in bank credit                          647.8     681.8     692.8     691.4     693.0     700.3     703.7     701.3         706.4     699.4     699.4     699.2
  3        Treasury and Agency securities (2)              441.0     475.8     488.4     487.0     490.7     495.7     499.6     496.6         501.9     495.2     494.9     492.3
  4        Other securities                                206.8     206.0     204.3     204.4     202.2     204.6     204.1     204.8         204.5     204.1     204.5     206.9

  5     Loans and leases in bank credit (3)              1,654.2   1,714.8   1,728.1   1,747.1   1,768.7   1,785.4   1,802.8   1,809.3       1,810.5   1,813.5   1,806.3   1,807.3
  6        Commercial and industrial                       289.4     297.8     300.8     302.6     304.2     304.2     305.9     307.0         306.5     306.9     307.2     307.8
  7        Real estate                                     989.8   1,035.1   1,046.8   1,055.8   1,070.3   1,083.7   1,096.7   1,098.6       1,101.9   1,100.3   1,096.1   1,096.1
  8          Revolving home equity                          73.4      82.3      84.1      85.6      88.3      88.4      89.1      90.7          90.1      90.8      90.9      91.5
  9          Other                                         916.4     952.9     962.7     970.3     982.0     995.3   1,007.6   1,008.0       1,011.8   1,009.5   1,005.2   1,004.6
  10       Consumer                                        265.8     270.3     268.8     275.3     278.1     280.9     283.1     287.8         285.5     290.4     288.7     287.3
  10a        Credit card and related plans                 112.3     113.7     112.1     117.7     118.3     120.0     120.3     123.7         121.8     126.1     124.3     122.9
  10h        Other                                         153.5     156.6     156.8     157.6     159.8     161.0     162.8     164.1         163.7     164.3     164.4     164.5
  11       Security (4)                                      7.1       8.4       8.4       8.7       9.3       9.2       9.4       9.1           9.4       9.2       8.7       9.1
  12       Other loans and leases                          102.2     103.2     103.3     104.6     106.8     107.4     107.7     106.8         107.2     106.8     105.6     107.1

  13  Interbank loans                                       96.9     120.8     119.2     116.3     121.4     115.0     115.1     111.2         115.2     111.6     102.8     112.1

  14  Cash assets (5)                                      122.5     126.8     131.9     133.3     134.5     138.0     137.9     136.2         136.2     135.4     133.0     134.0

  15  Other assets (6)                                     145.1     147.4     149.0     152.9     153.8     158.1     162.8     167.0         161.0     163.0     164.2     181.1

  16  TOTAL ASSETS (7)                                   2,635.5   2,760.6   2,790.2   2,810.2   2,840.7   2,865.8   2,890.9   2,893.5       2,897.7   2,891.0   2,874.2   2,902.3

            L I A B I L I T I E S

  17  Deposits                                           2,044.4   2,127.0   2,149.9   2,155.4   2,174.4   2,187.3   2,198.3   2,198.8       2,205.6   2,198.6   2,178.3   2,202.4
  18    Transaction                                        297.5     313.2     325.3     320.5     325.4     334.0     335.3     334.3         323.9     331.8     339.2     342.6
  19    Nontransaction                                   1,746.8   1,813.8   1,824.6   1,834.9   1,848.9   1,853.3   1,863.0   1,864.5       1,881.8   1,866.8   1,839.1   1,859.8
  20       Large time                                      300.3     314.5     315.1     316.6     319.3     317.3     317.0     318.4         319.5     318.5     318.1     318.2
  21       Other                                         1,446.5   1,499.3   1,509.5   1,518.3   1,529.6   1,536.0   1,546.0   1,546.0       1,562.3   1,548.3   1,521.0   1,541.6

  22  Borrowings                                           354.0     397.0     401.5     410.2     415.7     423.8     438.4     440.0         439.9     442.6     447.0     433.0
  23    From banks in the U.S.                             123.9     155.6     157.4     154.9     157.2     160.2     169.1     165.1         156.3     168.8     172.0     167.7
  24    From others                                        230.1     241.5     244.2     255.3     258.5     263.6     269.3     274.9         283.7     273.8     275.0     265.3

  25  Net due to related foreign offices                     8.6      10.7      12.8      12.4      12.0      11.8      12.0      13.9          14.1      15.2      13.0      13.0

  26  Other liabilities                                     66.3      79.6      79.5      80.1      79.4      80.6      80.7      80.6          79.8      78.9      79.2      84.5

  27  TOTAL LIABILITIES                                  2,473.3   2,614.3   2,643.8   2,658.1   2,681.4   2,703.5   2,729.4   2,733.2       2,739.4   2,735.3   2,717.5   2,733.0

  28  Residual (assets less liabilities) (8)               162.1     146.4     146.5     152.2     159.2     162.3     161.4     160.3         158.3     155.7     156.7     169.3




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

  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                                                                                                                          October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          622.1     663.5     655.0     669.6     672.3     649.9     630.6     632.5         638.1     627.3     625.8     641.0

  2     Securities in bank credit                          249.8     283.8     277.3     288.5     288.4     267.7     267.4     274.5         273.5     267.9     271.1     288.2
  3        Treasury and Agency securities (2)               89.5     122.5     124.2     127.4     124.3     114.5     107.4     108.2         110.5     107.4     107.8     107.0
  4        Other securities                                160.3     161.3     153.1     161.2     164.1     153.2     160.0     166.3         162.9     160.6     163.3     181.3

  5     Loans and leases in bank credit (3)                372.2     379.7     377.7     381.0     383.9     382.2     363.1     358.0         364.7     359.4     354.7     352.8
  6        Commercial and industrial                       185.0     171.7     172.2     170.4     163.3     162.8     156.3     151.2         153.4     152.6     150.3     146.4
  7        Real estate                                      19.0      19.8      19.0      19.3      19.4      19.4      19.1      18.8          18.9      18.9      18.8      18.6
  11       Security (4)                                     95.2     121.4     118.1     118.9     121.8     118.9     111.6     113.3         118.1     113.4     112.8     109.7
  12       Other loans and leases                           73.0      66.7      68.3      72.4      79.3      81.2      76.1      74.6          74.2      74.5      72.8      78.1

  13  Interbank loans                                       21.2      27.2      22.4      24.6      30.7      33.1      32.4      30.6          33.2      29.4      30.4      27.7

  14  Cash assets (5)                                       46.6      43.9      49.7      51.1      54.3      54.0      54.3      53.3          53.5      56.7      50.0      52.0

  15  Other assets (6)                                      26.8      30.0      32.5      36.6      36.7      33.2      36.3      29.4          29.8      26.0      30.2      31.6

  16  TOTAL ASSETS (7)                                     716.3     764.1     759.2     781.4     793.5     769.7     753.1     745.3         754.2     739.0     735.9     751.8

            L I A B I L I T I E S

  17  Deposits                                             492.3     448.4     434.6     433.4     442.6     453.4     455.2     451.1         455.0     449.7     453.8     445.8
  18    Transaction                                         10.1      11.5      11.2      10.8      11.4      11.4      11.8      10.9          11.4      10.7      10.3      10.8
  19    Nontransaction                                     482.2     436.9     423.4     422.6     431.2     442.0     443.4     440.2         443.6     439.0     443.5     435.0

  22  Borrowings                                           227.1     293.2     297.7     305.1     315.8     297.0     293.6     292.8         293.8     291.8     281.2     306.5
  23    From banks in the U.S.                              22.6      33.7      27.4      31.3      34.7      36.8      33.8      33.6          29.5      35.4      31.9      37.6
  24    From others                                        204.5     259.5     270.3     273.7     281.1     260.3     259.8     259.1         264.3     256.4     249.3     268.9

  25  Net due to related foreign offices                   -84.7     -83.8     -72.9     -77.9     -81.9     -86.0    -103.5    -100.2        -100.0     -94.2    -100.1    -107.3

  26  Other liabilities                                     91.7      94.7      90.6     106.8     113.5     108.9     116.1     110.8         114.4     106.5     106.5     114.1

  27  TOTAL LIABILITIES                                    726.4     752.5     750.0     767.4     790.0     773.3     761.4     754.4         763.2     753.9     741.4     759.3

  28  Residual (assets less liabilities) (8)               -10.1      11.6       9.2      13.9       3.5      -3.6      -8.2      -9.1          -9.1     -15.0      -5.4      -7.4



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

  Footnotes appear on page 14.



H.8 (510)                                                                                                                                                                  Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars                                                                                                                      October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

             A S S E T S




  1   Bank credit                                          618.5     661.7     654.9     664.8     668.8     642.4     624.0     628.3         629.8     626.0     623.9     638.5

  2     Securities in bank credit (2)                      249.8     283.8     277.3     288.5     288.4     267.7     267.4     274.5         273.5     267.9     271.1     288.2
  3        Treasury and Agency securities                   89.5     122.5     124.2     127.4     124.3     114.5     107.4     108.2         110.5     107.4     107.8     107.0
  3a         Trading account                                16.1      37.2      39.8      43.1      43.2      40.5      39.5      40.4          41.0      39.2      40.3      40.9
  3b         Investment account                             73.4      85.4      84.4      84.3      81.1      74.0      67.9      67.8          69.5      68.1      67.5      66.0
  4        Other securities                                160.3     161.3     153.1     161.2     164.1     153.2     160.0     166.3         162.9     160.6     163.3     181.3
  4a         Trading account                               105.1     101.6      97.9     105.2     105.8      95.8      99.8     102.7         102.6     100.3     103.0     105.2
  4b         Investment account                             55.2      59.7      55.2      56.0      58.3      57.3      60.2      63.5          60.4      60.3      60.3      76.1

  5     Loans and leases in bank credit (3)                368.7     377.9     377.6     376.3     380.4     374.8     356.6     353.8         356.4     358.1     352.8     350.2
  6        Commercial and industrial                       184.9     173.2     171.3     168.6     162.8     161.8     155.1     151.1         152.4     152.6     150.7     147.3
  7        Real estate                                      19.0      19.8      19.0      19.3      19.4      19.4      19.1      18.8          18.9      18.9      18.8      18.6
  11       Security (4)                                     92.3     117.3     118.5     116.6     119.3     114.1     107.5     109.9         111.6     112.9     111.4     106.1
  12       Other loans and leases                           72.4      67.6      68.8      71.8      78.9      79.5      74.9      74.0          73.5      73.7      71.8      78.1

  13  Interbank loans                                       21.2      27.2      22.4      24.6      30.7      33.1      32.4      30.6          33.2      29.4      30.4      27.7

  14  Cash assets (5)                                       46.3      42.7      47.5      49.4      51.8      51.1      52.1      52.9          51.9      55.7      50.6      53.3

  15  Other assets (6)                                      26.8      30.7      32.4      36.7      35.3      32.1      35.8      29.4          30.0      26.0      30.1      31.5

  16  TOTAL ASSETS (7)                                     712.4     761.8     756.7     775.1     786.1     758.2     743.9     740.8         744.4     736.6     734.5     750.5

            L I A B I L I T I E S

  17  Deposits                                             474.1     452.4     440.6     438.8     440.8     443.7     439.7     434.5         435.5     430.4     440.0     433.7
  18    Transaction                                         10.3      11.1      10.6      10.4      11.0      11.4      11.5      11.1          11.3      10.7      10.8      11.5
  19    Nontransaction                                     463.9     441.3     430.0     428.4     429.7     432.3     428.3     423.4         424.3     419.7     429.2     422.2

  22  Borrowings                                           227.1     293.2     297.7     305.1     315.8     297.0     293.6     292.8         293.8     291.8     281.2     306.5
  23    From banks in the U.S.                              22.6      33.7      27.4      31.3      34.7      36.8      33.8      33.6          29.5      35.4      31.9      37.6
  24    From others                                        204.5     259.5     270.3     273.7     281.1     260.3     259.8     259.1         264.3     256.4     249.3     268.9

  25  Net due to related foreign offices                   -83.1     -81.6     -73.3     -77.5     -83.7     -89.3    -104.9     -98.9        -100.0     -93.4     -96.7    -105.8

  26  Other liabilities                                     92.6      96.3      90.3     107.1     111.9     106.3     114.9     111.9         114.5     107.2     109.4     115.5

  27  TOTAL LIABILITIES                                    710.7     760.3     755.3     773.5     784.8     757.6     743.3     740.2         743.9     736.0     733.9     749.9

  28  Residual (assets less liabilities) (8)                 1.7       1.5       1.5       1.6       1.3       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                                                                                                                      October 10, 2003


               Account                                    2002      2003      2003      2003      2003      2003      2003      2003                      Week ending
                                                           Sep       Mar       Apr       May       Jun       Jul       Aug       Sep         Sep 10    Sep 17    Sep 24     Oct 1 
                                                        --------  --------  --------  --------  --------  --------  --------  --------      -------   -------   -------   -------

      LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  29  Reval. gains on off-bal. sheet items (9)             117.2     115.1     105.7     128.1     135.0     112.5      96.5     114.9         111.1     114.8     116.6     124.9

  30  Reval. losses on off-bal. sheet items (9)             98.6      91.3      81.4     105.1     110.0      85.4      79.4      96.1          92.6      96.0      97.6     106.7

  31  Mortgage-backed securities (10)                      345.9     381.4     400.8     427.1     436.7     412.7     387.6     373.3         380.4     369.0     367.0     370.1
  31a   Pass-through                                       255.4     276.2     288.6     314.3     324.8     301.5     274.1     262.6         268.3     259.6     256.9     260.3
  31b   CMO, REMIC, and other                               90.4     105.1     112.2     112.9     111.9     111.1     113.5     110.7         112.1     109.4     110.2     109.8

  32  Net unrealized gains (losses) on    
        available-for-sale securities (11)                  11.3      11.7      10.1      11.3      13.0       6.7      -0.1       2.8           1.8       3.0       3.1       5.8

  33  Offshore credit to U.S. residents (12)                19.0      18.2      17.5      17.3      16.6      15.5      14.7      14.4          14.6      14.6      14.3      14.3

  34  Securitized consumer loans (13)                      142.3     152.9     154.6     155.3     157.3     161.6     162.5     160.8         160.9     159.7     160.1     162.2
  34a   Credit card and related plans                      125.0     136.7     138.7     139.4     140.6     144.0     144.5     144.3         144.3     143.3     143.8     146.0
  34b   Other                                               17.3      16.1      15.9      15.9      16.6      17.5      18.0      16.5          16.6      16.4      16.3      16.2

  35  Securitized business loans (13)                       17.8      15.8      10.0      10.2       9.9       8.4       7.2       7.9           8.1       8.1       8.0       8.0


      SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

  31  Mortgage-backed securities (10)                      302.0     325.5     336.1     337.1     336.8     332.0     330.3     328.3         330.6     325.2     329.3     326.7

  34  Securitized consumer loans (13)                      199.5     202.4     204.6     204.3     204.0     200.6     201.8     202.8         202.7     201.5     203.2     204.1
  34a   Credit card and related plans                      195.9     194.3     196.7     196.5     196.3     193.0     194.2     195.3         195.1     194.0     195.7     196.5
  34b   Other                                                3.6       8.1       7.9       7.8       7.7       7.6       7.6       7.6           7.6       7.6       7.6       7.5


      FOREIGN-RELATED INSTITUTIONS

  29  Reval. gains on off-bal. sheet items (9)              63.0      65.4      64.9      73.6      72.6      65.3      65.9      67.8          67.1      64.9      68.8      70.5

  30  Reval. losses on off-bal. sheet items (9)             61.7      63.6      62.4      72.6      72.6      64.9      64.9      66.9          66.3      64.0      67.8      69.9

  35  Securitized business loans (13)                        8.1       4.1       3.3       3.0       2.5       1.5       1.4       1.3           1.3       1.3       1.3       1.4











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

  Footnotes appear on page 14.




  H.8 (510)       Footnotes                                                                                                                                                Page 14
                                                                                                                                                                  October 10, 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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