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 February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,889.5 6,197.0 6,201.6 6,191.2 6,198.7 6,178.3 6,218.3 6,249.0 6,269.7 6,291.0 6,324.2 6,337.9 2 Securities in bank credit 1,718.5 1,868.7 1,829.1 1,786.2 1,790.3 1,810.1 1,839.8 1,852.1 1,837.8 1,855.3 1,871.1 1,865.7 3 Treasury and Agency securities (2) 1,028.3 1,153.5 1,118.2 1,081.2 1,066.0 1,082.3 1,102.8 1,102.0 1,090.5 1,088.2 1,108.6 1,107.8 4 Other securities 690.1 715.2 710.9 705.0 724.3 727.8 737.0 750.1 747.3 767.1 762.4 757.9 5 Loans and leases in bank credit (3) 4,171.0 4,328.3 4,372.5 4,405.0 4,408.4 4,368.2 4,378.5 4,396.9 4,431.9 4,435.7 4,453.1 4,472.2 6 Commercial and industrial 964.0 924.4 923.7 917.1 907.2 896.8 893.0 897.6 894.5 895.1 899.9 899.8 7 Real estate 2,028.5 2,156.9 2,195.6 2,242.3 2,259.5 2,238.2 2,222.7 2,217.0 2,228.7 2,226.3 2,233.0 2,233.9 8 Revolving home equity 213.4 244.8 249.0 253.4 258.8 265.6 273.4 280.9 288.2 289.9 290.9 292.3 9 Other 1,815.1 1,912.2 1,946.6 1,988.9 2,000.8 1,972.6 1,949.3 1,936.1 1,940.6 1,936.3 1,942.1 1,941.5 10 Consumer 588.0 600.5 602.2 603.4 607.9 603.0 631.8 635.1 637.5 637.2 641.4 641.7 11 Security (4) 188.8 209.9 211.3 203.7 199.1 206.6 212.3 196.4 204.0 209.9 210.7 223.1 12 Other loans and leases 401.7 436.6 439.7 438.4 434.7 423.6 418.7 450.8 467.2 467.1 468.2 473.6 13 Interbank loans 327.8 320.1 321.5 325.4 304.4 321.1 297.5 288.9 277.3 296.4 284.3 350.9 14 Cash assets (5) 315.1 324.7 336.2 343.2 330.0 313.6 322.9 305.9 303.7 301.3 336.7 326.3 15 Other assets (6) 509.0 550.7 555.9 575.5 565.7 563.0 557.1 560.1 564.8 563.5 560.2 562.1 16 TOTAL ASSETS (7) 6,965.1 7,317.1 7,340.1 7,359.3 7,322.9 7,301.1 7,320.6 7,327.4 7,340.4 7,377.4 7,431.4 7,503.6 L I A B I L I T I E S 17 Deposits 4,486.5 4,702.5 4,749.5 4,803.5 4,781.3 4,722.5 4,744.3 4,742.6 4,764.5 4,789.8 4,782.3 4,794.6 18 Transaction 611.3 639.3 656.5 658.5 640.1 639.2 636.7 644.1 588.6 610.2 649.5 670.7 19 Nontransaction 3,875.2 4,063.2 4,093.0 4,145.0 4,141.2 4,083.3 4,107.5 4,098.5 4,175.9 4,179.6 4,132.7 4,123.9 20 Large time 978.6 1,003.4 1,019.0 1,023.4 1,029.4 996.4 988.4 992.2 1,022.3 1,030.9 1,023.3 1,019.5 21 Other 2,896.7 3,059.7 3,074.0 3,121.6 3,111.8 3,086.9 3,119.1 3,106.3 3,153.5 3,148.7 3,109.5 3,104.4 22 Borrowings 1,404.2 1,478.7 1,514.1 1,520.9 1,486.2 1,440.2 1,434.9 1,459.1 1,444.0 1,450.8 1,498.4 1,573.7 23 From banks in the U.S. 417.1 408.2 411.2 418.2 403.5 385.4 382.5 380.6 366.0 371.4 387.3 426.0 24 From others 987.1 1,070.6 1,102.8 1,102.7 1,082.7 1,054.8 1,052.5 1,078.5 1,078.0 1,079.4 1,111.1 1,147.7 25 Net due to related foreign offices 146.3 126.3 142.8 126.6 130.4 164.5 175.0 145.1 154.1 127.6 141.0 133.2 26 Other liabilities 435.0 447.0 418.7 403.3 416.8 427.9 410.2 415.9 409.0 438.8 438.0 419.7 27 TOTAL LIABILITIES 6,472.0 6,754.5 6,825.0 6,854.2 6,814.8 6,755.1 6,764.3 6,762.7 6,771.6 6,807.0 6,859.7 6,921.3 28 Residual (assets less liabilities) (8) 493.2 562.5 515.1 505.1 508.2 546.0 556.2 564.7 568.8 570.4 571.6 582.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,923.4 6,192.9 6,175.4 6,171.0 6,194.6 6,179.4 6,233.9 6,285.9 6,296.8 6,319.3 6,338.9 6,344.0 2 Securities in bank credit 1,725.1 1,862.5 1,813.6 1,778.8 1,789.0 1,807.9 1,843.4 1,859.4 1,854.5 1,867.0 1,881.5 1,873.9 3 Treasury and Agency securities (2) 1,032.6 1,148.8 1,110.0 1,077.2 1,065.8 1,078.0 1,104.7 1,106.6 1,096.5 1,093.0 1,113.2 1,112.0 4 Other securities 692.5 713.7 703.6 701.6 723.2 729.9 738.7 752.8 757.9 774.1 768.2 761.9 5 Loans and leases in bank credit (3) 4,198.4 4,330.4 4,361.8 4,392.2 4,405.6 4,371.6 4,390.5 4,426.4 4,442.4 4,452.2 4,457.4 4,470.1 6 Commercial and industrial 962.7 928.4 924.8 913.4 905.5 897.1 892.7 896.2 891.1 889.0 893.3 892.9 7 Real estate 2,033.1 2,158.2 2,194.0 2,242.3 2,261.5 2,240.1 2,227.6 2,221.7 2,227.8 2,229.4 2,233.1 2,232.9 8 Revolving home equity 212.9 245.6 249.0 253.5 259.6 266.2 273.2 280.2 286.7 288.7 289.8 291.9 9 Other 1,820.1 1,912.6 1,945.0 1,988.8 2,001.9 1,973.9 1,954.4 1,941.5 1,941.1 1,940.7 1,943.3 1,941.0 10 Consumer 596.9 597.1 596.6 599.7 606.0 602.1 633.4 644.2 646.4 646.3 649.6 650.0 10a Credit card and related plans 238.6 227.7 224.5 224.4 227.0 221.9 253.7 265.4 264.9 262.2 263.8 261.5 10b Other 358.3 369.4 372.1 375.3 379.0 380.2 379.7 378.8 381.5 384.1 385.9 388.4 11 Security (4) 199.4 208.5 205.4 198.6 197.0 209.1 217.2 207.1 206.0 221.2 217.6 229.1 12 Other loans and leases 406.3 438.2 441.1 438.2 435.6 423.1 419.7 457.3 471.1 466.4 463.8 465.1 13 Interbank loans 334.8 321.4 317.0 319.6 297.6 314.0 302.0 295.2 282.4 300.1 278.8 339.3 14 Cash assets (5) 336.9 315.8 325.5 326.6 326.2 317.0 333.0 327.1 321.0 324.9 367.3 328.4 15 Other assets (6) 513.7 545.2 554.1 571.8 569.8 562.8 560.8 565.5 573.3 571.0 561.7 561.8 16 TOTAL ASSETS (7) 7,032.7 7,299.7 7,297.0 7,312.9 7,312.3 7,298.8 7,354.8 7,397.2 7,398.6 7,440.7 7,472.8 7,499.9 L I A B I L I T I E S 17 Deposits 4,537.2 4,691.6 4,720.1 4,753.5 4,745.1 4,707.1 4,760.0 4,794.8 4,815.6 4,834.7 4,795.8 4,778.5 18 Transaction 644.1 633.9 647.8 642.1 634.8 636.4 644.6 678.3 614.3 638.2 665.9 665.6 19 Nontransaction 3,893.1 4,057.7 4,072.2 4,111.4 4,110.3 4,070.7 4,115.4 4,116.5 4,201.3 4,196.5 4,129.8 4,112.9 20 Large time 991.3 1,001.5 1,007.9 1,007.3 1,010.4 986.4 992.1 1,005.1 1,038.3 1,049.9 1,041.0 1,038.2 21 Other 2,901.9 3,056.1 3,064.3 3,104.1 3,099.9 3,084.4 3,123.3 3,111.4 3,163.0 3,146.6 3,088.9 3,074.7 22 Borrowings 1,403.3 1,477.8 1,507.0 1,500.9 1,484.4 1,443.3 1,437.1 1,458.0 1,450.0 1,462.8 1,523.1 1,589.4 23 From banks in the U.S. 418.9 406.3 407.9 413.6 396.7 384.0 379.6 382.2 370.1 375.3 392.9 429.3 24 From others 984.5 1,071.5 1,099.2 1,087.3 1,087.7 1,059.3 1,057.4 1,075.8 1,079.9 1,087.5 1,130.2 1,160.1 25 Net due to related foreign offices 152.3 123.4 133.4 124.9 132.8 168.1 180.9 151.5 154.6 129.9 145.4 140.8 26 Other liabilities 441.9 444.0 409.8 401.6 419.2 431.4 415.7 422.3 409.6 441.0 442.4 427.1 27 TOTAL LIABILITIES 6,534.8 6,736.8 6,770.3 6,780.9 6,781.5 6,749.8 6,793.6 6,826.6 6,829.8 6,868.4 6,906.6 6,935.8 28 Residual (assets less liabilities) (8) 498.0 562.9 526.7 532.0 530.8 549.0 561.2 570.6 568.8 572.4 566.1 564.0 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,246.8 5,526.0 5,559.5 5,569.4 5,577.4 5,554.2 5,593.0 5,627.9 5,644.3 5,664.1 5,691.0 5,694.8 2 Securities in bank credit 1,449.7 1,579.3 1,562.8 1,521.6 1,521.3 1,538.8 1,570.0 1,579.3 1,565.4 1,580.5 1,597.8 1,591.5 3 Treasury and Agency securities (2) 920.3 1,030.0 1,003.9 973.6 956.9 977.3 1,004.2 1,003.0 995.1 991.1 1,010.6 1,008.7 4 Other securities 529.3 549.3 558.8 547.9 564.4 561.6 565.8 576.3 570.3 589.4 587.2 582.8 5 Loans and leases in bank credit (3) 3,797.1 3,946.7 3,996.8 4,047.9 4,056.1 4,015.4 4,023.0 4,048.6 4,078.9 4,083.6 4,093.1 4,103.3 6 Commercial and industrial 786.1 763.6 767.6 766.7 760.8 754.9 756.1 753.6 748.4 748.4 752.4 752.4 7 Real estate 2,009.0 2,137.4 2,176.4 2,224.1 2,241.3 2,216.4 2,201.4 2,201.5 2,216.0 2,213.6 2,220.3 2,221.1 8 Revolving home equity 213.4 244.8 249.0 253.4 258.8 265.6 273.4 280.9 288.2 289.9 290.9 292.3 9 Other 1,795.7 1,892.7 1,927.5 1,970.8 1,982.5 1,950.8 1,928.0 1,920.6 1,927.9 1,923.7 1,929.5 1,928.8 10 Consumer 588.0 600.5 602.2 603.4 607.9 603.0 631.8 635.1 637.5 637.2 641.4 641.7 11 Security (4) 79.3 91.6 95.8 95.1 88.3 94.0 90.8 88.8 100.3 107.5 100.5 105.1 12 Other loans and leases 334.7 353.5 354.6 358.5 357.8 347.2 342.9 369.5 376.8 376.8 378.4 383.1 13 Interbank loans 297.7 289.5 288.3 292.9 273.5 291.7 267.7 263.7 248.7 267.8 256.0 324.3 14 Cash assets (5) 271.2 270.4 281.7 287.5 274.6 261.1 272.4 255.8 253.1 246.2 281.9 271.8 15 Other assets (6) 478.9 513.9 520.8 533.6 526.8 521.8 518.3 520.9 521.3 522.8 523.0 521.2 16 TOTAL ASSETS (7) 6,218.8 6,524.8 6,575.7 6,607.9 6,576.9 6,554.4 6,576.7 6,592.3 6,592.6 6,626.7 6,678.2 6,738.9 L I A B I L I T I E S 17 Deposits 4,061.9 4,259.9 4,295.6 4,347.0 4,328.4 4,282.2 4,307.6 4,307.4 4,318.5 4,333.5 4,327.9 4,340.9 18 Transaction 602.1 627.9 644.1 644.0 625.0 624.4 621.2 628.7 572.8 593.5 631.6 653.0 19 Nontransaction 3,459.8 3,631.9 3,651.5 3,703.0 3,703.4 3,657.8 3,686.5 3,678.7 3,745.7 3,740.1 3,696.3 3,687.8 20 Large time 569.9 590.4 584.0 591.1 595.4 573.6 570.2 574.7 595.2 597.2 591.8 590.2 21 Other 2,889.9 3,041.5 3,067.6 3,111.9 3,108.0 3,084.2 3,116.2 3,104.0 3,150.6 3,142.8 3,104.5 3,097.7 22 Borrowings 1,121.2 1,164.2 1,222.9 1,230.6 1,195.5 1,138.6 1,139.6 1,150.2 1,130.2 1,128.0 1,177.3 1,239.6 23 From banks in the U.S. 387.1 373.5 374.4 384.1 369.6 349.4 350.3 340.2 329.1 332.3 354.7 385.1 24 From others 734.1 790.7 848.5 846.5 825.9 789.3 789.3 810.0 801.0 795.7 822.6 854.6 25 Net due to related foreign offices 206.1 208.3 229.0 230.3 230.2 258.5 263.7 254.1 271.0 261.1 271.4 269.0 26 Other liabilities 338.0 333.4 309.7 287.2 306.5 317.0 302.7 316.0 311.8 338.7 337.7 320.3 27 TOTAL LIABILITIES 5,727.2 5,965.7 6,057.2 6,095.1 6,060.7 5,996.4 6,013.7 6,027.7 6,031.4 6,061.4 6,114.3 6,169.8 28 Residual (assets less liabilities) (8) 491.7 559.1 518.5 512.7 516.2 558.0 563.0 564.6 561.2 565.3 563.9 569.1 ------------------------------------------------- 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 February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,270.8 5,525.3 5,540.7 5,555.7 5,577.4 5,555.9 5,605.1 5,654.6 5,665.5 5,681.9 5,696.2 5,692.7 2 Securities in bank credit 1,456.3 1,573.1 1,547.3 1,514.2 1,520.0 1,536.6 1,573.7 1,586.6 1,582.0 1,592.2 1,608.2 1,599.7 3 Treasury and Agency securities (2) 924.6 1,025.2 995.8 969.7 956.8 972.9 1,006.1 1,007.6 1,001.1 995.9 1,015.2 1,012.9 4 Other securities 531.7 547.9 551.5 544.5 563.2 563.7 567.6 579.0 580.9 596.3 593.0 586.7 5 Loans and leases in bank credit (3) 3,814.5 3,952.2 3,993.4 4,041.5 4,057.4 4,019.3 4,031.4 4,068.0 4,083.4 4,089.7 4,088.0 4,093.0 6 Commercial and industrial 783.3 768.2 769.7 764.1 759.2 755.1 754.8 751.1 744.2 742.1 746.1 745.9 7 Real estate 2,013.6 2,138.7 2,174.9 2,224.2 2,243.3 2,218.3 2,206.3 2,206.2 2,215.1 2,216.8 2,220.5 2,220.2 8 Revolving home equity 212.9 245.6 249.0 253.5 259.6 266.2 273.2 280.2 286.7 288.7 289.8 291.9 9 Other 1,800.7 1,893.1 1,925.8 1,970.7 1,983.7 1,952.1 1,933.1 1,926.0 1,928.4 1,928.1 1,930.6 1,928.3 10 Consumer 596.9 597.1 596.6 599.7 606.0 602.1 633.4 644.2 646.4 646.3 649.6 650.0 10a Credit card and related plans 238.6 227.7 224.5 224.4 227.0 221.9 253.7 265.4 264.9 262.2 263.8 261.5 10d Other 358.3 369.4 372.1 375.3 379.0 380.2 379.7 378.8 381.5 384.1 385.9 388.4 11 Security (4) 83.4 92.7 94.5 93.9 89.6 96.5 93.3 93.1 99.1 109.7 98.3 102.6 12 Other loans and leases 337.3 355.6 357.8 359.6 359.4 347.3 343.6 373.4 378.6 374.8 373.4 374.3 13 Interbank loans 304.8 290.7 283.8 287.0 266.7 284.6 272.2 270.1 253.7 271.5 250.5 312.7 14 Cash assets (5) 290.0 264.0 274.0 273.1 271.2 263.3 279.6 273.4 266.5 265.5 307.9 270.2 15 Other assets (6) 482.8 509.9 520.2 530.5 530.8 522.2 522.1 525.0 528.2 528.2 523.5 519.7 16 TOTAL ASSETS (7) 6,272.4 6,514.8 6,544.1 6,570.7 6,570.7 6,552.0 6,604.6 6,647.2 6,639.5 6,673.1 6,704.6 6,722.1 L I A B I L I T I E S 17 Deposits 4,101.8 4,250.8 4,276.0 4,312.5 4,308.6 4,278.0 4,323.0 4,348.1 4,354.9 4,360.9 4,324.0 4,305.4 18 Transaction 634.1 622.9 635.5 628.0 619.4 621.3 628.5 661.6 597.6 620.8 647.5 647.8 19 Nontransaction 3,467.7 3,627.9 3,640.4 3,684.6 3,689.2 3,656.8 3,694.5 3,686.5 3,757.3 3,740.1 3,676.5 3,657.6 20 Large time 572.7 590.0 582.4 589.7 592.9 575.1 574.0 577.4 597.3 599.6 592.8 590.0 21 Other 2,895.0 3,037.9 3,058.1 3,094.8 3,096.2 3,081.7 3,120.4 3,109.1 3,160.0 3,140.6 3,083.7 3,067.6 22 Borrowings 1,120.3 1,163.2 1,215.9 1,210.6 1,193.7 1,141.7 1,141.7 1,149.1 1,136.1 1,140.1 1,202.0 1,255.4 23 From banks in the U.S. 388.8 371.6 371.1 379.6 362.9 348.0 347.5 341.8 333.2 336.2 360.3 388.3 24 From others 731.5 791.6 844.8 831.0 830.8 793.7 794.3 807.3 802.9 803.9 841.7 867.0 25 Net due to related foreign offices 210.4 207.3 222.9 230.0 231.3 263.2 270.8 259.4 270.0 261.7 273.7 273.7 26 Other liabilities 343.8 332.0 303.4 286.7 307.7 321.5 309.1 321.3 310.9 339.4 340.1 325.0 27 TOTAL LIABILITIES 5,776.4 5,953.3 6,018.1 6,039.9 6,041.3 6,004.5 6,044.6 6,077.8 6,072.0 6,102.0 6,139.8 6,159.4 28 Residual (assets less liabilities) (8) 496.0 561.6 526.0 530.9 529.4 547.5 559.9 569.3 567.5 571.1 564.8 562.7 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 5 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,911.5 3,081.4 3,087.6 3,074.3 3,080.8 3,055.1 3,070.3 3,082.2 3,077.9 3,100.0 3,121.3 3,121.2 2 Securities in bank credit 784.4 887.8 863.5 817.6 820.6 833.2 857.9 861.7 843.3 861.4 878.0 876.1 3 Treasury and Agency securities (2) 462.5 542.3 508.6 473.3 460.6 477.5 499.1 493.5 481.0 480.3 499.7 501.7 3a Trading account 44.6 39.9 38.5 34.7 38.1 33.8 40.4 39.4 36.1 38.2 44.8 40.6 3b Investment account 417.9 502.5 470.1 438.5 422.5 443.7 458.7 454.1 444.9 442.2 454.8 461.1 4 Other securities 321.9 345.5 355.0 344.3 360.0 355.7 358.8 368.1 362.3 381.0 378.4 374.4 4a Trading account 164.9 187.1 172.6 162.2 178.3 180.8 182.6 188.5 181.8 196.8 194.4 190.4 4b Investment account 157.0 158.4 182.4 182.1 181.7 174.9 176.1 179.6 180.5 184.3 184.0 184.1 4c State and local government 29.5 32.2 32.3 31.4 31.5 31.5 31.7 31.7 31.3 31.8 31.9 32.1 4d Other 127.5 126.2 150.1 150.7 150.3 143.4 144.4 147.9 149.2 152.4 152.1 152.0 5 Loans and leases in bank credit (3) 2,127.1 2,193.6 2,224.1 2,256.7 2,260.3 2,221.9 2,212.4 2,220.5 2,234.6 2,238.6 2,243.2 2,245.1 6 Commercial and industrial 495.4 465.9 468.3 463.0 454.7 448.9 446.8 443.6 433.3 433.0 436.7 435.5 7 Real estate 1,002.4 1,076.9 1,101.0 1,134.5 1,150.4 1,125.4 1,106.4 1,099.0 1,105.9 1,102.0 1,108.6 1,106.4 8 Revolving home equity 139.8 159.9 163.6 167.4 171.9 177.2 183.0 188.1 193.5 195.2 195.9 196.7 9 Other 862.5 917.0 937.3 967.1 978.5 948.2 923.5 911.0 912.4 906.8 912.7 909.7 10 Consumer 323.7 319.4 317.7 318.7 321.1 318.5 335.4 329.7 327.3 328.7 329.7 329.6 11 Security (4) 72.2 82.5 86.9 86.3 79.9 85.7 82.9 81.0 92.5 99.6 92.3 95.8 11a Fed funds and RPs with broker/dealer 61.8 64.4 69.0 67.1 62.3 67.6 65.2 62.7 74.0 80.8 72.2 76.8 11b Other 10.4 18.1 17.9 19.2 17.6 18.2 17.7 18.3 18.5 18.9 20.1 19.0 12a State and local government 12.0 12.8 13.1 13.4 13.6 13.8 14.0 14.0 14.0 14.0 14.0 14.2 12b Agricultural 8.7 7.8 7.7 7.9 7.9 7.9 7.8 7.8 7.6 7.6 7.6 7.6 12c Fed funds and RPs with others 24.8 27.9 26.0 24.8 27.2 25.3 25.3 28.6 26.2 24.6 26.5 26.7 12d All other loans 74.9 89.9 93.8 98.9 96.6 89.1 87.5 112.3 127.1 128.4 126.9 128.3 12e Lease financing receivables 113.0 110.4 109.6 109.1 109.0 107.3 106.3 104.5 100.6 100.6 101.0 101.1 13 Interbank loans 199.6 171.7 175.6 184.8 170.3 187.6 169.8 168.1 154.5 170.6 153.8 203.8 13a Fed funds and RPs with banks 103.3 103.8 103.6 104.8 101.1 108.3 93.0 89.8 76.0 93.4 76.8 94.5 13b Other 96.3 67.9 72.0 80.0 69.2 79.3 76.8 78.2 78.4 77.2 76.9 109.3 14 Cash assets (5) 155.4 138.7 147.5 152.1 144.7 133.4 145.0 133.0 130.4 125.2 155.9 136.4 15 Other assets (6) 340.6 363.6 369.5 374.7 365.1 364.6 359.2 355.8 353.0 361.9 365.5 360.5 16 TOTAL ASSETS (7) 3,562.8 3,710.7 3,736.3 3,741.4 3,716.7 3,697.2 3,700.8 3,695.1 3,673.1 3,715.6 3,755.0 3,780.9 ------------------------------------------------- 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) February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,014.1 2,105.5 2,123.4 2,158.2 2,143.5 2,106.4 2,122.8 2,127.9 2,125.7 2,142.1 2,128.1 2,120.8 18 Transaction 294.6 303.0 310.0 306.8 293.5 290.6 290.1 294.0 261.7 276.5 297.9 310.9 19 Nontransaction 1,719.5 1,802.5 1,813.4 1,851.3 1,850.0 1,815.8 1,832.7 1,833.9 1,864.0 1,865.6 1,830.2 1,809.8 20 Large time 263.8 272.3 267.8 275.4 278.4 258.3 252.2 253.0 266.5 268.9 262.1 260.7 21 Other 1,455.7 1,530.2 1,545.6 1,575.9 1,571.6 1,557.5 1,580.5 1,580.9 1,597.5 1,596.7 1,568.1 1,549.1 22 Borrowings 748.9 754.1 802.2 793.7 757.5 702.3 700.6 705.0 684.1 681.0 716.1 763.0 23 From banks in the U.S. 256.1 218.4 215.5 215.1 206.3 191.4 188.3 174.7 165.3 164.7 179.3 199.3 24 From others 492.8 535.7 586.7 578.6 551.2 510.9 512.3 530.2 518.8 516.3 536.9 563.8 25 Net due to related foreign offices 193.7 196.3 217.2 218.3 216.2 245.0 249.1 233.6 245.1 237.4 249.4 247.1 26 Other liabilities 277.1 254.4 232.2 212.3 234.6 246.0 230.5 241.1 237.7 264.7 264.4 250.4 27 TOTAL LIABILITIES 3,233.8 3,310.3 3,374.9 3,382.5 3,351.8 3,299.7 3,303.0 3,307.5 3,292.6 3,325.2 3,358.0 3,381.3 28 Residual (assets less liabilities) (8) 329.0 400.3 361.3 358.9 364.9 397.5 397.7 387.6 380.5 390.4 396.9 399.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 7 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,923.9 3,083.1 3,073.9 3,063.8 3,078.7 3,054.9 3,079.3 3,097.5 3,097.2 3,112.3 3,124.2 3,117.5 2 Securities in bank credit 789.5 882.1 849.9 812.0 819.2 833.3 862.8 867.3 858.5 870.2 886.4 882.5 3 Treasury and Agency securities (2) 465.2 538.1 502.3 471.1 460.4 475.6 502.3 496.5 485.6 482.3 502.2 504.1 3a Trading account 44.9 39.6 38.0 34.6 38.1 33.7 40.7 39.6 36.5 38.3 45.1 40.8 3b Investment account 420.3 498.4 464.3 436.5 422.3 441.9 461.6 456.8 449.1 443.9 457.2 463.4 3c Mortgage-backed 322.8 394.1 368.5 339.6 324.7 339.6 355.3 350.7 343.6 341.4 350.1 354.7 3d Other 97.6 104.3 95.8 96.9 97.6 102.3 106.4 106.1 105.5 102.6 107.1 108.7 3e 1 year or less 24.2 24.4 24.2 24.5 24.0 24.8 25.3 25.9 25.9 25.0 24.6 23.6 3f Between 1 and 5 years 56.8 57.6 51.4 52.7 53.1 56.8 58.1 57.7 57.6 56.5 59.1 59.3 3g More than 5 years 16.5 22.4 20.2 19.8 20.5 20.7 23.0 22.6 22.0 21.1 23.4 25.8 4 Other securities 324.3 344.0 347.6 340.9 358.8 357.8 360.5 370.8 372.9 388.0 384.2 378.4 4a Trading account 166.1 186.3 169.0 160.6 177.7 181.9 183.5 189.9 187.1 200.4 197.4 192.4 4b Investment account 158.1 157.7 178.6 180.3 181.1 175.9 177.0 181.0 185.8 187.6 186.8 186.0 4c State and local government 29.7 32.1 31.6 31.1 31.4 31.7 31.8 31.9 32.2 32.4 32.4 32.4 4d Other 128.4 125.7 147.0 149.2 149.8 144.2 145.1 149.0 153.6 155.2 154.4 153.6 5 Loans and leases in bank credit (3) 2,134.4 2,201.0 2,224.0 2,251.8 2,259.5 2,221.6 2,216.5 2,230.2 2,238.7 2,242.0 2,237.7 2,235.0 6 Commercial and industrial 492.8 468.2 469.5 461.7 454.9 449.4 446.9 441.3 430.1 428.3 432.0 430.8 7 Real estate 1,003.7 1,079.4 1,101.1 1,135.4 1,151.8 1,126.2 1,109.3 1,100.2 1,105.8 1,103.0 1,106.4 1,102.4 8 Revolving home equity 139.0 160.8 164.1 167.9 172.4 177.5 182.5 186.9 192.1 193.6 194.5 195.8 9a Other residential 539.2 595.3 616.8 647.4 658.6 627.6 604.7 593.0 595.7 590.6 592.4 586.8 9b Commercial 325.5 323.2 320.1 320.1 320.7 321.1 322.1 320.3 318.0 318.8 319.5 319.8 10 Consumer 326.1 319.6 315.7 316.1 317.4 314.5 333.7 332.9 333.5 334.1 334.9 334.6 10a Credit card and related plans 117.5 105.0 100.1 99.8 99.3 95.2 116.3 118.8 118.2 117.0 116.9 115.2 10f Other 208.6 214.5 215.6 216.3 218.1 219.3 217.4 214.1 215.4 217.1 218.0 219.5 11 Security (4) 76.1 83.7 85.7 85.1 81.3 88.3 85.2 85.1 91.3 102.0 90.6 94.1 11a Fed funds and RPs with broker/dealer 65.1 65.3 68.1 66.2 63.4 69.6 67.0 65.9 73.1 82.7 70.8 75.5 11b Other 10.9 18.3 17.7 18.9 17.9 18.7 18.2 19.2 18.2 19.3 19.8 18.7 12a State and local government 12.0 12.8 13.1 13.4 13.6 13.8 14.0 14.0 14.0 14.0 14.0 14.2 12b Agricultural 8.7 7.9 7.8 7.9 7.9 7.8 7.8 7.8 7.7 7.7 7.6 7.5 12c Fed funds and RPs with others 24.8 27.9 26.0 24.8 27.2 25.3 25.3 28.6 26.2 24.6 26.5 26.7 12d All other loans 77.0 91.5 96.0 99.2 98.1 89.4 88.5 115.7 127.6 126.1 123.3 122.2 12e Lease financing receivables 113.2 110.0 109.1 108.1 107.5 106.8 105.8 104.8 102.5 102.3 102.5 102.4 13 Interbank loans 204.1 175.9 175.7 179.6 164.9 181.7 171.1 172.2 157.8 176.0 157.1 206.6 13a Fed funds and RPs with banks 105.5 106.3 103.7 102.0 97.9 105.0 93.7 92.0 77.7 96.3 78.5 95.8 13b Other 98.6 69.6 72.0 77.6 66.9 76.7 77.4 80.2 80.1 79.6 78.6 110.8 14 Cash assets (5) 166.8 134.6 142.0 142.5 141.8 135.0 147.9 143.5 137.4 138.3 174.1 136.9 15 Other assets (6) 344.5 359.6 368.9 371.6 369.1 364.9 363.0 360.0 359.9 367.3 366.0 359.0 16 TOTAL ASSETS (7) 3,595.0 3,708.3 3,716.7 3,712.8 3,710.3 3,693.7 3,718.2 3,729.3 3,710.0 3,751.9 3,780.0 3,779.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 8 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars (continued) February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,030.6 2,106.0 2,117.4 2,141.8 2,135.0 2,104.1 2,129.8 2,144.2 2,141.4 2,156.0 2,122.9 2,096.1 18 Transaction 315.0 300.3 304.1 294.7 288.8 287.7 293.8 314.5 274.2 294.0 309.5 309.5 19 Nontransaction 1,715.6 1,805.7 1,813.3 1,847.1 1,846.3 1,816.4 1,836.0 1,829.6 1,867.2 1,862.0 1,813.4 1,786.6 20 Large time 266.7 271.9 266.2 274.0 275.9 259.7 256.0 255.8 268.7 271.2 263.0 260.6 21 Other 1,448.9 1,533.9 1,547.1 1,573.1 1,570.3 1,556.7 1,580.0 1,573.9 1,598.5 1,590.7 1,550.4 1,526.0 22 Borrowings 748.1 753.2 795.2 773.7 755.7 705.3 702.7 703.9 690.1 693.0 740.8 778.8 23 From banks in the U.S. 257.9 216.6 212.2 210.6 199.6 190.0 185.4 176.4 169.4 168.6 184.9 202.6 24 From others 490.2 536.6 583.0 563.1 556.1 515.4 517.3 527.5 520.7 524.4 555.9 576.2 25 Net due to related foreign offices 198.1 195.3 211.1 218.0 217.3 249.7 256.1 238.8 244.1 238.0 251.7 251.7 26 Other liabilities 282.8 253.0 225.9 211.8 235.9 250.5 237.0 246.4 236.9 265.4 266.8 255.1 27 TOTAL LIABILITIES 3,259.5 3,307.4 3,349.5 3,345.3 3,343.8 3,309.7 3,325.6 3,333.3 3,312.4 3,352.4 3,382.2 3,381.7 28 Residual (assets less liabilities) (8) 335.5 400.8 367.2 367.5 366.4 384.0 392.6 396.0 397.6 399.5 397.8 397.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 9 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,335.3 2,444.6 2,471.9 2,495.1 2,496.5 2,499.1 2,522.7 2,545.7 2,566.4 2,564.1 2,569.7 2,573.6 2 Securities in bank credit 665.2 691.5 699.2 703.9 700.8 705.6 712.1 717.7 722.1 719.1 719.8 715.4 3 Treasury and Agency securities (2) 457.8 487.6 495.3 500.3 496.3 499.7 505.0 509.4 514.1 510.7 511.0 507.1 4 Other securities 207.4 203.9 203.9 203.6 204.4 205.9 207.1 208.2 208.0 208.4 208.8 208.3 5 Loans and leases in bank credit (3) 1,670.1 1,753.1 1,772.7 1,791.2 1,795.8 1,793.5 1,810.6 1,828.0 1,844.4 1,845.0 1,849.9 1,858.2 6 Commercial and industrial 290.7 297.7 299.3 303.7 306.1 306.0 309.4 310.0 315.1 315.4 315.8 316.9 7 Real estate 1,006.7 1,060.5 1,075.5 1,089.6 1,090.9 1,091.0 1,095.0 1,102.5 1,110.1 1,111.7 1,111.8 1,114.8 8 Revolving home equity 73.5 84.9 85.4 86.0 86.9 88.4 90.4 92.8 94.6 94.8 95.0 95.6 9 Other 933.1 975.7 990.1 1,003.6 1,004.0 1,002.5 1,004.5 1,009.7 1,015.5 1,016.9 1,016.8 1,019.2 10 Consumer 264.3 281.1 284.6 284.7 286.8 284.4 296.3 305.5 310.2 308.5 311.7 312.1 11 Security (4) 7.2 9.1 8.9 8.8 8.4 8.3 7.9 7.8 7.8 7.9 8.2 9.3 12 Other loans and leases 101.2 104.7 104.5 104.4 103.6 103.8 102.0 102.2 101.2 101.5 102.5 105.2 13 Interbank loans 98.1 117.8 112.7 108.1 103.2 104.1 98.0 95.7 94.2 97.2 102.3 120.5 14 Cash assets (5) 115.9 131.7 134.2 135.3 129.9 127.7 127.5 122.8 122.7 121.0 126.0 135.4 15 Other assets (6) 138.3 150.4 151.3 158.9 161.7 157.2 159.1 165.1 168.3 160.8 157.4 160.7 16 TOTAL ASSETS (7) 2,656.0 2,814.1 2,839.5 2,866.5 2,860.2 2,857.2 2,875.9 2,897.2 2,919.5 2,911.0 2,923.2 2,957.9 L I A B I L I T I E S 17 Deposits 2,047.8 2,154.4 2,172.2 2,188.8 2,184.9 2,175.8 2,184.8 2,179.5 2,192.8 2,191.4 2,199.9 2,220.1 18 Transaction 307.5 324.9 334.1 337.2 331.5 333.8 331.1 334.7 311.1 317.0 333.7 342.1 19 Nontransaction 1,740.3 1,829.5 1,838.2 1,851.7 1,853.5 1,842.0 1,853.8 1,844.8 1,881.7 1,874.5 1,866.1 1,878.0 20 Large time 306.0 318.1 316.2 315.7 317.0 315.4 318.1 321.6 328.7 328.3 329.8 329.5 21 Other 1,434.3 1,511.3 1,522.0 1,536.0 1,536.4 1,526.6 1,535.7 1,523.1 1,553.0 1,546.2 1,536.4 1,548.5 22 Borrowings 372.2 410.0 420.7 436.9 438.0 436.4 439.0 445.2 446.1 447.1 461.1 476.6 23 From banks in the U.S. 131.0 155.1 158.9 169.0 163.3 158.0 162.0 165.5 163.9 167.6 175.4 185.8 24 From others 241.3 255.0 261.9 267.9 274.7 278.4 277.0 279.8 282.2 279.5 285.7 290.8 25 Net due to related foreign offices 12.4 12.0 11.8 12.0 14.1 13.5 14.6 20.6 25.9 23.7 21.9 21.9 26 Other liabilities 61.0 78.9 77.5 74.9 71.9 71.0 72.1 74.9 74.1 74.0 73.4 69.9 27 TOTAL LIABILITIES 2,493.4 2,655.4 2,682.3 2,712.7 2,708.8 2,696.7 2,710.6 2,720.2 2,738.8 2,736.2 2,756.3 2,788.5 28 Residual (assets less liabilities) (8) 162.6 158.7 157.2 153.8 151.3 160.5 165.3 177.0 180.7 174.9 166.9 169.4 ------------------------------------------------- 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 February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,346.8 2,442.2 2,466.8 2,491.9 2,498.7 2,501.0 2,525.8 2,557.1 2,568.3 2,569.6 2,572.1 2,575.2 2 Securities in bank credit 666.8 691.0 697.4 702.2 700.9 703.3 710.9 719.3 723.6 722.0 721.8 717.1 3 Treasury and Agency securities (2) 459.3 487.2 493.5 498.6 496.4 497.4 503.8 511.1 515.6 513.6 513.0 508.8 4 Other securities 207.4 203.9 203.9 203.6 204.4 205.9 207.1 208.2 208.0 208.4 208.8 208.3 5 Loans and leases in bank credit (3) 1,680.1 1,751.2 1,769.4 1,789.7 1,797.8 1,797.7 1,814.9 1,837.8 1,844.7 1,847.7 1,850.2 1,858.1 6 Commercial and industrial 290.5 300.0 300.2 302.5 304.3 305.7 307.8 309.8 314.1 313.9 314.1 315.2 7 Real estate 1,009.9 1,059.4 1,073.8 1,088.8 1,091.5 1,092.1 1,097.0 1,106.0 1,109.3 1,113.8 1,114.1 1,117.8 8 Revolving home equity 73.9 84.8 84.9 85.6 87.2 88.7 90.7 93.3 94.6 95.1 95.4 96.1 9 Other 936.0 974.6 988.9 1,003.2 1,004.3 1,003.4 1,006.3 1,012.7 1,014.7 1,018.7 1,018.7 1,021.7 10 Consumer 270.7 277.5 280.9 283.5 288.6 287.6 299.7 311.3 312.9 312.1 314.8 315.4 10a Credit card and related plans 121.0 122.6 124.4 124.6 127.6 126.7 137.4 146.6 146.7 145.2 146.9 146.4 10h Other 149.7 154.9 156.4 158.9 160.9 160.9 162.3 164.8 166.2 167.0 167.9 169.0 11 Security (4) 7.3 9.0 8.8 8.8 8.3 8.2 8.1 8.0 7.8 7.8 7.7 8.5 12 Other loans and leases 101.6 105.3 105.8 106.2 105.1 104.1 102.3 102.6 100.7 100.1 99.6 101.3 13 Interbank loans 100.7 114.8 108.1 107.4 101.8 102.9 101.1 97.9 95.9 95.6 93.5 106.1 14 Cash assets (5) 123.2 129.5 131.9 130.7 129.4 128.3 131.7 129.9 129.1 127.2 133.8 133.3 15 Other assets (6) 138.3 150.4 151.3 158.9 161.7 157.2 159.1 165.1 168.3 160.8 157.4 160.7 16 TOTAL ASSETS (7) 2,677.4 2,806.5 2,827.4 2,858.0 2,860.5 2,858.3 2,886.3 2,917.9 2,929.5 2,921.1 2,924.6 2,943.0 L I A B I L I T I E S 17 Deposits 2,071.3 2,144.8 2,158.6 2,170.8 2,173.6 2,173.9 2,193.2 2,203.9 2,213.6 2,204.9 2,201.1 2,209.3 18 Transaction 319.2 322.6 331.4 333.3 330.7 333.6 334.7 347.0 323.4 326.7 338.0 338.3 19 Nontransaction 1,752.1 1,822.2 1,827.1 1,837.5 1,842.9 1,840.3 1,858.5 1,856.9 1,890.1 1,878.1 1,863.1 1,871.0 20 Large time 306.0 318.1 316.2 315.7 317.0 315.4 318.1 321.6 328.7 328.3 329.8 329.5 21 Other 1,446.1 1,504.1 1,511.0 1,521.7 1,525.9 1,525.0 1,540.5 1,535.2 1,561.5 1,549.8 1,533.3 1,541.6 22 Borrowings 372.2 410.0 420.7 436.9 438.0 436.4 439.0 445.2 446.1 447.1 461.1 476.6 23 From banks in the U.S. 131.0 155.1 158.9 169.0 163.3 158.0 162.0 165.5 163.9 167.6 175.4 185.8 24 From others 241.3 255.0 261.9 267.9 274.7 278.4 277.0 279.8 282.2 279.5 285.7 290.8 25 Net due to related foreign offices 12.4 12.0 11.8 12.0 14.1 13.5 14.6 20.6 25.9 23.7 21.9 21.9 26 Other liabilities 61.0 78.9 77.5 74.9 71.9 71.0 72.1 74.9 74.1 74.0 73.4 69.9 27 TOTAL LIABILITIES 2,516.8 2,645.8 2,668.6 2,694.6 2,697.5 2,694.8 2,719.0 2,744.6 2,759.6 2,749.6 2,757.6 2,777.7 28 Residual (assets less liabilities) (8) 160.6 160.7 158.8 163.4 163.0 163.5 167.3 173.3 169.9 171.5 167.0 165.3 ------------------------------------------------- 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 February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 642.7 671.0 642.0 621.7 621.3 624.1 625.3 621.1 625.4 626.9 633.2 643.0 2 Securities in bank credit 268.8 289.4 266.3 264.6 268.9 271.3 269.8 272.8 272.4 274.8 273.2 274.2 3 Treasury and Agency securities (2) 108.0 123.6 114.2 107.5 109.0 105.1 98.6 99.0 95.4 97.1 98.0 99.1 4 Other securities 160.8 165.8 152.1 157.1 159.9 166.2 171.2 173.7 177.0 177.7 175.2 175.2 5 Loans and leases in bank credit (3) 373.9 381.6 375.7 357.1 352.4 352.8 355.5 348.3 353.0 352.1 360.0 368.8 6 Commercial and industrial 177.9 160.8 156.0 150.4 146.4 142.0 136.9 143.9 146.1 146.8 147.4 147.5 7 Real estate 19.5 19.5 19.1 18.1 18.2 21.8 21.3 15.5 12.7 12.6 12.6 12.7 11 Security (4) 109.4 118.3 115.5 108.6 110.8 112.6 121.5 107.6 103.7 102.4 110.1 118.0 12 Other loans and leases 67.0 83.0 85.1 79.9 76.9 76.4 75.9 81.4 90.5 90.3 89.8 90.6 13 Interbank loans 30.1 30.7 33.2 32.5 30.8 29.4 29.7 25.1 28.6 28.6 28.3 26.6 14 Cash assets (5) 43.8 54.3 54.5 55.7 55.4 52.5 50.5 50.1 50.7 55.0 54.9 54.5 15 Other assets (6) 30.1 36.7 35.1 41.9 38.9 41.1 38.8 39.2 43.5 40.7 37.2 41.0 16 TOTAL ASSETS (7) 746.3 792.3 764.4 751.4 746.0 746.6 743.9 735.1 747.8 750.7 753.2 764.7 L I A B I L I T I E S 17 Deposits 424.6 442.6 453.8 456.5 452.9 440.2 436.6 435.2 446.0 456.3 454.3 453.8 18 Transaction 9.2 11.4 12.4 14.5 15.1 14.8 15.5 15.4 15.9 16.7 17.9 17.7 19 Nontransaction 415.4 431.2 441.5 442.0 437.8 425.5 421.1 419.8 430.1 439.6 436.4 436.1 22 Borrowings 283.0 314.6 291.1 290.3 290.7 301.6 295.3 308.9 313.8 322.8 321.1 334.1 23 From banks in the U.S. 30.0 34.7 36.8 34.1 33.9 36.0 32.2 40.4 36.9 39.1 32.6 41.0 24 From others 253.0 279.9 254.3 256.2 256.9 265.6 263.2 268.5 277.0 283.6 288.5 293.1 25 Net due to related foreign offices -59.8 -82.0 -86.2 -103.8 -99.8 -94.0 -88.8 -109.0 -116.9 -133.5 -130.3 -135.8 26 Other liabilities 97.0 113.7 109.1 116.1 110.3 110.9 107.5 99.9 97.2 100.1 100.3 99.4 27 TOTAL LIABILITIES 744.8 788.8 767.8 759.1 754.1 758.7 750.7 735.0 740.2 745.6 745.4 751.4 28 Residual (assets less liabilities) (8) 1.5 3.5 -3.5 -7.7 -8.1 -12.0 -6.8 0.2 7.6 5.1 7.8 13.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 12 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 652.7 667.6 634.7 615.3 617.2 623.6 628.8 631.2 631.4 637.4 642.7 651.3 2 Securities in bank credit (2) 268.8 289.4 266.3 264.6 268.9 271.3 269.8 272.8 272.4 274.8 273.2 274.2 3 Treasury and Agency securities 108.0 123.6 114.2 107.5 109.0 105.1 98.6 99.0 95.4 97.1 98.0 99.1 3a Trading account 30.6 42.5 39.9 38.8 39.8 38.6 32.8 34.9 31.3 32.3 33.6 34.0 3b Investment account 77.4 81.1 74.3 68.7 69.2 66.5 65.9 64.2 64.1 64.8 64.4 65.1 4 Other securities 160.8 165.8 152.1 157.1 159.9 166.2 171.2 173.7 177.0 177.7 175.2 175.2 4a Trading account 101.4 107.8 98.0 102.4 105.6 104.8 105.0 104.8 104.9 106.8 105.0 106.5 4b Investment account 59.4 58.0 54.1 54.7 54.3 61.4 66.2 69.0 72.2 71.0 70.2 68.7 5 Loans and leases in bank credit (3) 383.9 378.2 368.4 350.7 348.3 352.3 359.1 358.4 359.0 362.5 369.5 377.0 6 Commercial and industrial 179.4 160.3 155.1 149.3 146.3 142.0 137.9 145.1 146.9 146.8 147.2 147.0 7 Real estate 19.5 19.5 19.1 18.1 18.2 21.8 21.3 15.5 12.7 12.6 12.6 12.7 11 Security (4) 116.0 115.9 110.8 104.7 107.4 112.7 123.9 114.0 106.9 111.4 119.3 126.5 12 Other loans and leases 69.0 82.6 83.3 78.6 76.3 75.7 76.0 83.9 92.5 91.7 90.4 90.8 13 Interbank loans 30.1 30.7 33.2 32.5 30.8 29.4 29.7 25.1 28.6 28.6 28.3 26.6 14 Cash assets (5) 47.0 51.8 51.6 53.4 55.0 53.7 53.4 53.7 54.5 59.4 59.4 58.2 15 Other assets (6) 31.0 35.3 33.9 41.3 38.9 40.6 38.7 40.4 45.1 42.8 38.2 42.1 16 TOTAL ASSETS (7) 760.3 784.9 752.9 742.1 741.6 746.8 750.2 750.0 759.1 767.7 768.1 777.8 L I A B I L I T I E S 17 Deposits 435.4 440.8 444.1 441.0 436.5 429.1 437.0 446.7 460.6 473.8 471.7 473.1 18 Transaction 10.0 11.0 12.3 14.1 15.4 15.1 16.0 16.7 16.6 17.4 18.4 17.9 19 Nontransaction 425.4 429.7 431.8 426.9 421.1 413.9 420.9 430.0 444.0 456.4 453.3 455.2 22 Borrowings 283.0 314.6 291.1 290.3 290.7 301.6 295.3 308.9 313.8 322.8 321.1 334.1 23 From banks in the U.S. 30.0 34.7 36.8 34.1 33.9 36.0 32.2 40.4 36.9 39.1 32.6 41.0 24 From others 253.0 279.9 254.3 256.2 256.9 265.6 263.2 268.5 277.0 283.6 288.5 293.1 25 Net due to related foreign offices -58.1 -83.9 -89.5 -105.1 -98.5 -95.2 -89.9 -107.9 -115.3 -131.8 -128.2 -132.9 26 Other liabilities 98.1 112.1 106.4 114.9 111.4 109.9 106.5 101.0 98.7 101.6 102.2 102.2 27 TOTAL LIABILITIES 758.4 783.6 752.2 741.0 740.1 745.4 749.0 748.7 757.8 766.4 766.8 776.5 28 Residual (assets less liabilities) (8) 1.9 1.3 0.7 1.1 1.4 1.4 1.3 1.3 1.3 1.3 1.3 1.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars February 6, 2004 Account 2002 2003 2003 2003 2003 2003 2003 2003 Week ending Dec Jun Jul Aug Sep Oct Nov Dec Jan 7 Jan 14 Jan 21 Jan 28 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 112.5 129.8 107.9 93.1 112.5 114.1 112.4 120.2 121.2 132.6 129.5 122.8 30 Reval. losses on off-bal. sheet items (9) 93.8 110.1 85.4 79.4 96.0 97.3 94.5 103.9 106.7 117.6 113.7 107.6 31 Mortgage-backed securities (10) 369.0 441.1 416.9 391.6 377.2 392.0 409.3 407.2 401.2 400.3 409.7 412.9 31a Pass-through 268.3 327.5 304.1 276.4 264.8 280.9 294.2 290.0 282.5 281.3 291.0 295.1 31b CMO, REMIC, and other 100.6 113.6 112.8 115.2 112.3 111.1 115.2 117.2 118.6 118.9 118.7 117.7 32 Net unrealized gains (losses) on available-for-sale securities (11) 10.3 12.7 6.5 1.1 4.8 2.2 1.9 3.2 4.6 5.6 5.6 3.9 33 Offshore credit to U.S. residents (12) 18.7 16.6 15.5 14.7 14.3 13.8 13.5 13.3 12.9 13.7 13.7 13.7 34 Securitized consumer loans (13) 150.5 158.3 162.3 163.2 162.5 164.7 166.0 167.0 168.6 168.5 168.4 169.3 34a Credit card and related plans 133.2 140.6 144.0 144.5 144.3 146.8 147.5 148.0 149.6 149.6 149.6 150.5 34b Other 17.3 17.7 18.3 18.7 18.2 18.0 18.6 18.9 19.0 18.9 18.8 18.8 35 Securitized business loans (13) 11.1 9.9 8.4 7.2 7.9 8.0 7.5 7.2 7.2 7.2 7.2 7.2 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 305.4 332.6 328.3 327.2 325.7 324.5 330.4 337.9 339.2 336.5 336.9 331.3 34 Securitized consumer loans (13) 200.9 204.0 200.6 201.9 203.0 204.7 203.1 203.7 206.6 206.1 204.8 204.9 34a Credit card and related plans 192.5 196.3 193.0 194.3 195.5 197.2 195.3 195.8 198.5 197.9 196.7 196.7 34b Other 8.3 7.7 7.6 7.6 7.6 7.5 7.8 7.8 8.1 8.1 8.1 8.1 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 64.0 72.6 65.5 66.2 68.2 69.1 65.4 65.5 66.0 68.6 67.1 65.8 30 Reval. losses on off-bal. sheet items (9) 60.1 72.6 64.9 64.7 66.6 67.7 66.2 66.7 67.8 70.0 68.8 67.2 35 Securitized business loans (13) 6.8 2.5 1.5 1.4 1.2 1.3 1.3 1.2 1.1 1.1 1.1 0.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 February 6, 2004 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.