H.8 (510) ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For use at 4:15 p.m. Eastern Time Seasonally adjusted, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 6,155.6 6,202.7 6,255.2 6,318.3 6,434.1 6,506.7 6,513.5 6,510.4 6,509.5 6,519.6 6,544.5 6,570.4 2 Securities in bank credit 1,835.9 1,836.8 1,856.1 1,858.2 1,933.1 1,983.2 1,953.3 1,927.2 1,922.9 1,920.5 1,926.0 1,930.2 3 Treasury and Agency securities (2) 1,125.1 1,096.7 1,104.6 1,106.5 1,172.3 1,208.1 1,202.3 1,190.9 1,187.9 1,181.1 1,184.5 1,189.4 4 Other securities 710.8 740.1 751.5 751.7 760.8 775.1 751.0 736.3 735.0 739.4 741.5 740.8 5 Loans and leases in bank credit (3) 4,319.8 4,365.9 4,399.1 4,460.2 4,501.0 4,523.6 4,560.3 4,583.2 4,586.7 4,599.1 4,618.5 4,640.2 6 Commercial and industrial 935.5 889.6 891.1 888.4 888.9 880.1 876.3 874.6 878.1 876.4 874.7 880.7 7 Real estate 2,146.7 2,206.8 2,215.6 2,240.0 2,259.2 2,297.1 2,347.2 2,376.1 2,377.9 2,372.7 2,386.7 2,392.5 8 Revolving home equity 239.1 273.2 280.7 291.3 297.8 308.4 317.5 326.5 328.5 331.5 333.3 335.4 9 Other 1,907.7 1,933.6 1,934.9 1,948.8 1,961.4 1,988.8 2,029.7 2,049.6 2,049.4 2,041.2 2,053.4 2,057.1 10 Consumer 595.5 625.0 628.6 631.1 633.4 638.8 640.0 642.1 645.9 645.1 645.8 647.8 11 Security (4) 215.9 228.6 214.9 233.1 241.4 239.9 233.6 228.5 219.6 245.6 246.2 254.5 12 Other loans and leases 426.0 415.8 448.9 467.5 478.1 467.7 463.1 462.0 465.1 459.3 465.1 464.8 13 Interbank loans 318.6 305.2 296.4 317.6 342.7 295.9 319.8 311.5 313.3 300.6 305.3 312.0 14 Cash assets (5) 310.9 318.5 304.2 320.1 323.8 330.3 339.5 340.5 336.4 338.1 348.1 317.9 15 Other assets (6) 534.1 538.9 539.8 544.1 544.9 553.6 582.4 595.6 591.3 609.8 611.8 626.6 16 TOTAL ASSETS (7) 7,243.6 7,290.4 7,319.5 7,426.3 7,572.4 7,613.5 7,682.8 7,685.8 7,678.5 7,695.8 7,737.3 7,754.4 L I A B I L I T I E S 17 Deposits 4,634.9 4,741.2 4,759.0 4,795.3 4,825.8 4,911.2 4,954.5 5,023.7 5,018.5 5,076.7 5,076.6 5,095.7 18 Transaction 631.9 635.8 642.5 630.8 644.4 671.8 660.6 649.8 691.7 621.9 630.3 649.1 19 Nontransaction 4,003.0 4,105.5 4,116.5 4,164.5 4,181.4 4,239.4 4,293.9 4,373.9 4,326.8 4,454.8 4,446.3 4,446.6 20 Large time 996.7 996.3 1,000.2 1,019.3 1,024.3 1,048.8 1,064.1 1,090.2 1,092.5 1,095.5 1,110.2 1,112.2 21 Other 3,006.3 3,109.1 3,116.2 3,145.2 3,157.0 3,190.6 3,229.8 3,283.7 3,234.4 3,359.4 3,336.1 3,334.4 22 Borrowings 1,443.7 1,457.0 1,479.7 1,518.6 1,568.7 1,535.0 1,549.1 1,524.6 1,528.6 1,514.0 1,537.4 1,561.8 23 From banks in the U.S. 394.4 386.7 389.1 390.2 416.6 390.7 424.4 419.8 420.4 417.5 415.5 435.2 24 From others 1,049.3 1,070.4 1,090.7 1,128.5 1,152.1 1,144.3 1,124.7 1,104.8 1,108.2 1,096.5 1,121.9 1,126.6 25 Net due to related foreign offices 149.5 169.5 142.8 131.6 105.8 91.7 94.8 77.9 82.5 13.8 17.4 4.9 26 Other liabilities 433.7 398.5 408.7 425.0 458.6 475.1 463.6 441.5 417.4 528.7 516.7 517.3 27 TOTAL LIABILITIES 6,661.8 6,766.3 6,790.2 6,870.5 6,959.0 7,013.0 7,062.0 7,067.7 7,047.0 7,133.3 7,148.1 7,179.7 28 Residual (assets less liabilities) (8) 581.8 524.1 529.3 555.9 613.4 600.5 620.8 618.1 631.5 562.5 589.2 574.7 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 6,139.7 6,243.8 6,297.8 6,331.7 6,424.6 6,476.7 6,495.5 6,502.1 6,495.4 6,518.4 6,533.8 6,565.2 2 Securities in bank credit 1,838.6 1,844.3 1,860.2 1,861.5 1,930.3 1,974.5 1,950.0 1,930.5 1,925.6 1,927.9 1,931.9 1,930.0 3 Treasury and Agency securities (2) 1,131.8 1,103.3 1,105.5 1,102.4 1,168.0 1,204.1 1,205.7 1,198.4 1,195.6 1,190.5 1,191.4 1,191.3 4 Other securities 706.8 741.0 754.7 759.1 762.2 770.4 744.3 732.1 730.0 737.4 740.6 738.8 5 Loans and leases in bank credit (3) 4,301.1 4,399.5 4,437.6 4,470.2 4,494.3 4,502.2 4,545.5 4,571.6 4,569.8 4,590.4 4,601.8 4,635.2 6 Commercial and industrial 939.5 889.6 891.8 884.5 888.7 882.9 880.6 878.4 879.8 879.6 875.4 882.0 7 Real estate 2,138.2 2,231.0 2,228.5 2,241.4 2,258.0 2,284.0 2,336.0 2,375.7 2,377.5 2,369.8 2,385.2 2,383.9 8 Revolving home equity 239.5 273.2 280.3 289.9 297.9 306.1 316.5 327.1 329.2 331.9 334.0 336.5 9 Other 1,898.6 1,957.8 1,948.3 1,951.5 1,960.1 1,977.8 2,019.5 2,048.6 2,048.3 2,038.0 2,051.2 2,047.4 10 Consumer 590.4 629.3 639.5 643.2 638.0 632.8 632.3 636.7 641.1 638.4 637.6 638.8 10a Credit card and related plans 224.8 251.7 262.7 259.9 253.2 248.9 247.8 252.3 256.3 254.6 253.9 255.4 10b Other 365.6 377.6 376.8 383.3 384.8 384.0 384.5 384.4 384.8 383.8 383.7 383.4 11 Security (4) 208.8 233.4 223.7 236.1 240.0 239.5 235.9 221.0 210.6 238.5 239.6 263.4 12 Other loans and leases 424.2 416.2 454.2 465.0 469.7 463.0 460.6 459.7 460.8 464.1 464.1 467.1 13 Interbank loans 317.5 308.7 301.1 312.5 336.8 299.8 329.4 312.6 306.7 309.9 305.5 317.8 14 Cash assets (5) 306.2 329.0 322.3 329.0 321.2 317.9 334.8 334.9 332.3 356.6 322.6 316.6 15 Other assets (6) 533.9 540.9 542.5 544.7 540.6 549.9 581.3 595.1 584.7 609.6 608.1 622.5 16 TOTAL ASSETS (7) 7,221.6 7,347.7 7,387.7 7,444.1 7,549.8 7,570.8 7,668.6 7,672.4 7,646.9 7,722.0 7,697.4 7,749.4 L I A B I L I T I E S 17 Deposits 4,625.9 4,752.8 4,788.6 4,796.6 4,827.0 4,904.1 4,971.5 5,014.1 4,988.5 5,110.1 5,089.6 5,105.8 18 Transaction 623.3 641.6 676.5 642.9 636.5 662.8 667.5 640.6 679.3 634.3 608.6 647.4 19 Nontransaction 4,002.6 4,111.2 4,112.1 4,153.7 4,190.5 4,241.3 4,304.0 4,373.5 4,309.3 4,475.8 4,481.0 4,458.4 20 Large time 1,003.5 988.6 999.8 1,028.0 1,033.2 1,051.8 1,069.8 1,098.6 1,102.4 1,106.3 1,121.6 1,121.1 21 Other 2,999.1 3,122.6 3,112.3 3,125.7 3,157.3 3,189.5 3,234.2 3,274.8 3,206.8 3,369.5 3,359.4 3,337.3 22 Borrowings 1,459.3 1,450.0 1,469.3 1,514.9 1,566.3 1,524.0 1,556.1 1,540.9 1,535.8 1,532.9 1,534.5 1,576.4 23 From banks in the U.S. 395.0 384.0 387.8 386.6 413.6 392.1 429.5 420.3 416.8 419.0 412.1 434.8 24 From others 1,064.2 1,066.0 1,081.5 1,128.2 1,152.8 1,131.9 1,126.7 1,120.5 1,119.0 1,113.9 1,122.4 1,141.6 25 Net due to related foreign offices 145.4 180.6 150.7 136.4 110.8 85.6 78.5 73.7 83.5 10.8 13.6 -0.8 26 Other liabilities 429.8 408.2 416.3 429.7 464.3 467.4 445.3 437.5 418.3 525.4 512.0 509.2 27 TOTAL LIABILITIES 6,660.4 6,791.6 6,824.8 6,877.6 6,968.4 6,981.1 7,051.4 7,066.2 7,026.1 7,179.1 7,149.7 7,190.7 28 Residual (assets less liabilities) (8) 561.2 556.2 562.9 566.6 581.4 589.7 617.2 606.2 620.8 542.9 547.7 558.7 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 3 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,488.9 5,571.9 5,627.3 5,679.8 5,784.3 5,854.7 5,880.6 5,889.8 5,895.7 5,877.7 5,888.4 5,921.8 2 Securities in bank credit 1,553.0 1,573.0 1,590.2 1,596.9 1,667.6 1,718.0 1,690.8 1,672.2 1,668.0 1,659.9 1,661.5 1,669.5 3 Treasury and Agency securities (2) 1,001.1 999.0 1,005.5 1,008.2 1,072.8 1,111.8 1,107.1 1,098.5 1,095.0 1,088.5 1,089.0 1,093.6 4 Other securities 551.9 574.1 584.7 588.7 594.8 606.2 583.8 573.7 573.0 571.4 572.6 575.9 5 Loans and leases in bank credit (3) 3,935.9 3,998.9 4,037.1 4,083.0 4,116.7 4,136.7 4,189.8 4,217.7 4,227.7 4,217.8 4,226.9 4,252.4 6 Commercial and industrial 770.8 757.1 754.9 751.2 752.3 746.8 746.1 744.7 747.3 746.5 743.7 748.3 7 Real estate 2,127.7 2,184.7 2,197.8 2,223.0 2,242.1 2,280.0 2,329.9 2,360.4 2,363.4 2,358.1 2,372.1 2,377.9 8 Revolving home equity 239.1 273.2 280.7 291.3 297.8 308.4 317.5 326.5 328.5 331.5 333.3 335.4 9 Other 1,888.6 1,911.5 1,917.1 1,931.7 1,944.3 1,971.6 2,012.4 2,033.9 2,034.9 2,026.6 2,038.8 2,042.5 10 Consumer 595.5 625.0 628.6 631.1 633.4 638.8 640.0 642.1 645.9 645.1 645.8 647.8 11 Security (4) 90.8 92.5 90.0 102.0 102.6 92.5 95.7 93.8 92.1 94.9 87.0 102.4 12 Other loans and leases 351.2 339.5 365.8 375.7 386.3 378.6 378.1 376.7 379.1 373.2 378.3 376.1 13 Interbank loans 289.2 268.4 264.7 282.1 310.1 265.3 286.3 275.6 278.5 265.9 274.9 286.8 14 Cash assets (5) 261.6 267.1 254.4 264.8 266.7 270.0 275.3 273.3 266.3 277.9 287.9 259.3 15 Other assets (6) 501.6 510.3 513.0 518.8 524.8 535.2 562.5 571.9 567.8 572.1 574.2 591.1 16 TOTAL ASSETS (7) 6,466.3 6,543.4 6,583.7 6,672.1 6,813.4 6,852.6 6,932.6 6,938.9 6,936.7 6,921.8 6,953.4 6,986.9 L I A B I L I T I E S 17 Deposits 4,215.0 4,303.7 4,323.2 4,342.5 4,362.3 4,444.3 4,479.5 4,535.9 4,533.9 4,567.9 4,559.8 4,578.5 18 Transaction 621.9 624.9 631.6 618.9 632.6 660.1 649.3 638.5 680.3 610.7 618.2 637.2 19 Nontransaction 3,593.1 3,678.8 3,691.6 3,723.6 3,729.6 3,784.2 3,830.2 3,897.4 3,853.6 3,957.2 3,941.6 3,941.3 20 Large time 595.6 571.9 577.8 585.3 576.3 595.6 602.3 618.7 621.0 619.1 628.1 627.2 21 Other 2,997.5 3,106.9 3,113.8 3,138.3 3,153.3 3,188.6 3,227.9 3,278.7 3,232.5 3,338.1 3,313.5 3,314.1 22 Borrowings 1,124.2 1,150.4 1,162.4 1,191.9 1,231.4 1,192.7 1,213.1 1,204.1 1,213.2 1,188.0 1,211.5 1,233.6 23 From banks in the U.S. 359.8 351.9 345.9 350.7 374.6 344.4 383.1 379.6 379.2 374.7 375.7 384.4 24 From others 764.4 798.5 816.4 841.2 856.8 848.2 830.0 824.5 834.0 813.3 835.9 849.2 25 Net due to related foreign offices 225.2 262.3 253.1 262.2 256.6 245.4 263.8 252.5 260.3 183.2 180.4 171.7 26 Other liabilities 330.1 296.7 309.4 323.3 353.6 372.9 357.2 339.9 312.4 430.8 424.9 427.6 27 TOTAL LIABILITIES 5,894.5 6,013.1 6,048.1 6,119.9 6,203.9 6,255.2 6,313.6 6,332.4 6,319.9 6,369.9 6,376.7 6,411.4 28 Residual (assets less liabilities) (8) 571.9 530.3 535.6 552.2 609.5 597.4 619.0 606.5 616.9 551.9 576.8 575.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 4 ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,475.6 5,611.5 5,662.9 5,689.8 5,772.5 5,821.3 5,857.0 5,884.2 5,885.1 5,880.1 5,883.2 5,911.7 2 Securities in bank credit 1,555.7 1,580.6 1,594.3 1,600.2 1,664.7 1,709.4 1,687.6 1,675.5 1,670.7 1,667.3 1,667.5 1,669.3 3 Treasury and Agency securities (2) 1,007.8 1,005.6 1,006.4 1,004.1 1,068.5 1,107.8 1,110.5 1,106.0 1,102.7 1,097.9 1,095.8 1,095.5 4 Other securities 547.9 575.0 587.9 596.1 596.2 601.6 577.1 569.4 568.0 569.4 571.6 573.8 5 Loans and leases in bank credit (3) 3,919.9 4,030.9 4,068.6 4,089.6 4,107.8 4,111.9 4,169.4 4,208.8 4,214.4 4,212.8 4,215.7 4,242.4 6 Commercial and industrial 774.7 757.7 754.4 746.6 750.4 747.7 749.4 748.6 749.6 749.8 744.9 750.2 7 Real estate 2,119.1 2,208.9 2,210.7 2,224.3 2,240.9 2,266.8 2,318.7 2,360.0 2,363.0 2,355.2 2,370.6 2,369.2 8 Revolving home equity 239.5 273.2 280.3 289.9 297.9 306.1 316.5 327.1 329.2 331.9 334.0 336.5 9 Other 1,879.6 1,935.7 1,930.4 1,934.4 1,943.0 1,960.7 2,002.2 2,032.9 2,033.8 2,023.3 2,036.6 2,032.8 9a Other residential -- -- -- -- -- -- -- -- -- 1,081.8 1,092.5 1,086.8 9b Commercial -- -- -- -- -- -- -- -- -- 941.5 944.1 946.0 10 Consumer 590.4 629.3 639.5 643.2 638.0 632.8 632.3 636.7 641.1 638.4 637.6 638.8 10a Credit card and related plans 224.8 251.7 262.7 259.9 253.2 248.9 247.8 252.3 256.3 254.6 253.9 255.4 10d Other 365.6 377.6 376.8 383.3 384.8 384.0 384.5 384.4 384.8 383.8 383.7 383.4 11 Security (4) 86.6 93.6 93.0 101.2 98.8 90.4 94.3 89.5 86.1 93.1 86.7 107.2 12 Other loans and leases 349.0 341.4 371.0 374.3 379.8 374.2 374.6 374.0 374.6 376.3 375.9 377.0 13 Interbank loans 288.1 272.0 269.4 277.0 304.3 269.2 295.9 276.7 272.0 275.2 275.0 292.6 14 Cash assets (5) 257.4 277.6 270.9 274.1 264.9 259.6 271.1 268.4 263.4 296.3 263.3 258.2 15 Other assets (6) 500.9 512.9 515.2 517.7 519.4 531.4 562.2 571.0 560.7 571.2 569.8 586.7 16 TOTAL ASSETS (7) 6,446.8 6,599.7 6,642.9 6,685.2 6,788.1 6,808.3 6,914.3 6,928.6 6,909.4 6,950.7 6,919.1 6,977.1 L I A B I L I T I E S 17 Deposits 4,196.4 4,325.9 4,353.6 4,337.9 4,357.3 4,432.6 4,487.1 4,515.2 4,491.3 4,589.7 4,562.0 4,580.5 18 Transaction 613.5 630.8 665.2 630.6 624.7 651.5 656.4 629.5 668.1 623.0 597.0 635.6 19 Nontransaction 3,583.0 3,695.1 3,688.5 3,707.2 3,732.6 3,781.1 3,830.6 3,885.6 3,823.3 3,966.7 3,965.0 3,944.9 20 Large time 592.8 574.6 578.6 588.5 579.1 593.6 598.3 615.9 618.3 618.9 628.7 628.2 21 Other 2,990.1 3,120.4 3,109.9 3,118.7 3,153.5 3,187.5 3,232.3 3,269.7 3,204.9 3,347.8 3,336.3 3,316.7 22 Borrowings 1,139.8 1,143.4 1,151.9 1,188.2 1,229.0 1,181.6 1,220.1 1,220.4 1,220.4 1,206.9 1,208.6 1,248.2 23 From banks in the U.S. 360.4 349.2 344.7 347.2 371.5 345.9 388.1 380.1 375.7 376.2 372.2 384.0 24 From others 779.4 794.2 807.2 841.0 857.5 835.8 832.0 840.3 844.8 830.7 836.3 864.1 25 Net due to related foreign offices 223.2 270.8 259.4 266.2 261.8 239.8 249.8 250.2 263.0 182.6 179.4 168.9 26 Other liabilities 327.8 304.3 315.7 327.4 359.6 365.7 341.0 337.5 314.8 429.6 422.4 421.7 27 TOTAL LIABILITIES 5,887.2 6,044.4 6,080.6 6,119.7 6,207.8 6,219.7 6,298.0 6,323.3 6,289.6 6,408.7 6,372.4 6,419.3 28 Residual (assets less liabilities) (8) 559.6 555.3 562.2 565.4 580.3 588.6 616.2 605.3 619.9 542.0 546.7 557.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 5 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,088.3 3,080.9 3,104.7 3,129.8 3,219.3 3,271.6 3,230.9 3,227.4 3,231.3 3,217.1 3,225.8 3,243.6 2 Securities in bank credit 868.8 866.7 878.4 880.2 950.7 1,004.4 965.2 940.3 935.4 926.9 930.1 937.9 3 Treasury and Agency securities (2) 522.3 500.8 504.2 503.6 568.6 611.5 594.8 575.4 572.0 564.3 566.8 572.4 3a Trading account 43.3 40.3 39.6 39.2 42.9 45.1 45.0 45.4 46.7 36.8 41.1 43.6 3b Investment account 479.0 460.5 464.6 464.4 525.7 566.3 549.8 530.0 525.3 527.5 525.7 528.8 3c Mortgage-backed 385.0 355.1 358.4 357.1 415.5 452.4 442.3 424.4 420.5 417.5 415.3 417.3 3b Other 94.0 105.4 106.2 107.2 110.2 114.0 107.5 105.7 104.8 110.0 110.4 111.5 4 Other securities 346.5 365.9 374.2 376.6 382.1 392.9 370.3 364.9 363.3 362.6 363.2 365.5 4a Trading account 191.6 189.6 194.8 196.8 200.4 208.1 185.3 183.3 182.4 184.0 184.5 185.9 4b Investment account 154.9 176.2 179.4 179.8 181.7 184.8 185.1 181.6 180.9 178.6 178.7 179.7 4c State and local government 31.7 31.8 31.7 31.6 32.4 33.6 33.8 33.3 33.6 33.1 33.0 33.2 4d Other 123.2 144.5 147.8 148.1 149.2 151.1 151.3 148.3 147.3 145.6 145.8 146.5 5 Loans and leases in bank credit (3) 2,219.5 2,214.2 2,226.3 2,249.6 2,268.6 2,267.3 2,265.8 2,287.1 2,295.9 2,290.2 2,295.8 2,305.7 6 Commercial and industrial 478.6 451.7 448.2 440.1 440.4 433.0 433.5 433.4 435.1 434.8 432.0 434.3 7 Real estate 1,093.4 1,112.3 1,108.7 1,119.8 1,127.7 1,148.6 1,142.9 1,166.4 1,172.2 1,170.9 1,180.5 1,175.1 8 Revolving home equity 158.3 183.9 188.8 197.0 201.7 210.0 216.2 222.7 224.3 226.0 227.4 228.3 9 Other 935.1 928.3 919.9 922.8 926.0 938.6 926.7 943.7 947.9 944.9 953.1 946.8 9a Other residential 603.4 592.3 584.7 587.5 591.3 599.3 586.3 602.2 605.5 602.9 610.9 602.7 9b Commercial 331.7 336.1 335.2 335.4 334.8 339.3 340.4 341.5 342.4 342.0 342.2 344.1 10 Consumer 315.9 325.5 321.3 321.4 321.6 323.9 325.6 327.2 328.3 326.2 327.2 327.0 11 Security (4) 82.9 84.8 82.2 93.8 94.4 84.7 88.2 86.4 84.5 87.8 79.9 95.3 11a Fed funds and RPs with broker/dealer 63.1 66.7 63.6 74.7 73.8 64.7 67.0 64.1 62.0 67.1 59.0 76.7 11b Other 19.8 18.1 18.6 19.1 20.6 20.0 21.2 22.3 22.5 20.8 20.9 18.6 12a State and local government 12.7 14.1 14.1 14.2 14.2 14.4 14.2 14.0 14.3 14.2 14.2 14.2 12b Agricultural 8.7 8.4 8.4 8.2 8.3 8.3 8.4 8.4 8.4 8.4 8.5 8.5 12c Fed funds and RPs with others 27.3 26.2 29.5 27.1 32.5 26.9 23.7 18.1 19.3 17.1 19.6 17.5 12d All other loans 90.4 87.6 111.0 124.7 127.4 125.9 129.8 137.2 138.6 136.1 139.2 139.3 12e Lease financing receivables 109.7 103.7 103.0 100.4 102.2 101.6 99.5 95.9 95.3 94.6 94.7 94.6 13 Interbank loans 187.2 179.8 178.4 189.8 217.1 179.3 209.7 198.2 198.7 191.6 203.1 213.0 13a Fed funds and RPs with banks 116.1 101.8 98.6 97.8 108.6 94.2 98.1 89.7 94.9 89.3 92.1 104.1 13b Other 71.1 78.0 79.8 92.0 108.5 85.0 111.6 108.6 103.9 102.3 111.0 108.9 14 Cash assets (5) 139.8 149.9 140.8 148.5 148.0 149.5 154.7 152.2 148.9 156.3 165.1 142.1 15 Other assets (6) 355.7 355.1 352.0 359.6 362.2 369.8 393.3 399.3 398.6 399.3 399.4 405.5 16 TOTAL ASSETS (7) 3,726.6 3,722.8 3,732.3 3,786.5 3,906.2 3,929.8 3,949.7 3,938.6 3,939.2 3,925.9 3,954.8 3,965.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 6 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars (continued) June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,117.3 2,150.8 2,159.3 2,162.5 2,174.2 2,248.0 2,270.4 2,307.8 2,307.7 2,319.1 2,315.3 2,324.3 18 Transaction 303.9 294.7 297.4 289.8 296.6 313.2 308.3 296.7 323.7 278.3 282.1 303.6 19 Nontransaction 1,813.4 1,856.1 1,861.8 1,872.7 1,877.6 1,934.8 1,962.2 2,011.2 1,984.0 2,040.9 2,033.2 2,020.8 20 Large time 274.4 247.0 248.8 250.1 242.3 256.3 261.0 276.2 278.2 281.1 288.9 288.2 21 Other 1,539.0 1,609.1 1,613.0 1,622.7 1,635.3 1,678.6 1,701.2 1,735.0 1,705.8 1,759.7 1,744.3 1,732.6 22 Borrowings 727.2 716.6 721.4 738.4 775.8 740.0 727.5 710.9 721.6 698.8 722.3 730.4 23 From banks in the U.S. 209.4 190.2 179.4 186.3 204.8 179.2 185.4 186.7 190.9 189.5 188.2 188.3 24 From others 517.9 526.4 542.0 552.2 571.0 560.8 542.1 524.2 530.7 509.3 534.1 542.2 25 Net due to related foreign offices 212.9 247.7 232.6 238.9 232.2 225.3 240.3 229.5 237.2 165.8 160.7 156.5 26 Other liabilities 252.7 229.6 240.1 255.2 283.5 301.7 284.6 267.5 240.0 357.1 351.3 355.3 27 TOTAL LIABILITIES 3,310.1 3,344.7 3,353.4 3,395.0 3,465.7 3,515.0 3,522.8 3,515.8 3,506.5 3,540.8 3,549.5 3,566.5 28 Residual (assets less liabilities) (8) 416.5 378.1 378.9 391.5 440.4 414.8 426.9 422.8 432.7 385.1 405.3 399.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 7 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,082.9 3,107.1 3,124.6 3,136.5 3,208.7 3,241.8 3,216.6 3,230.1 3,228.5 3,232.2 3,230.5 3,250.8 2 Securities in bank credit 873.6 875.7 880.4 884.3 948.0 988.1 958.2 945.9 940.4 937.0 936.2 937.2 3 Treasury and Agency securities (2) 531.0 508.9 503.0 500.4 564.5 599.9 594.5 585.2 582.1 576.4 573.9 573.7 3a Trading account 44.0 40.7 39.6 39.0 43.2 44.7 45.3 46.1 47.3 37.7 41.9 43.9 3b Investment account 487.0 468.2 463.3 461.4 521.3 555.2 549.2 539.1 534.7 538.7 531.9 529.7 3c Mortgage-backed 391.5 361.7 357.1 354.8 410.3 442.3 441.1 431.8 428.6 425.9 419.4 417.3 3d Other 95.5 106.5 106.2 106.6 111.0 112.9 108.1 107.4 106.1 112.8 112.6 112.4 4 Other securities 342.5 366.8 377.4 383.9 383.5 388.2 363.7 360.7 358.3 360.6 362.3 363.5 4a Trading account 189.4 190.1 196.4 200.6 201.2 205.7 181.9 181.2 179.9 182.9 184.0 184.8 4b Investment account 153.1 176.7 181.0 183.3 182.4 182.6 181.7 179.5 178.4 177.6 178.3 178.7 4c State and local government 31.3 31.8 31.9 32.3 32.6 33.2 33.1 32.9 33.1 32.9 32.9 33.0 4d Other 121.8 144.8 149.0 151.0 149.8 149.4 148.6 146.6 145.3 144.7 145.4 145.6 5 Loans and leases in bank credit (3) 2,209.3 2,231.4 2,244.2 2,252.2 2,260.7 2,253.6 2,258.5 2,284.2 2,288.1 2,295.1 2,294.3 2,313.7 6 Commercial and industrial 480.5 453.4 447.7 436.2 438.5 433.4 435.4 435.1 435.5 436.6 431.9 435.7 7 Real estate 1,088.8 1,125.0 1,115.6 1,120.3 1,127.1 1,141.9 1,140.3 1,170.4 1,175.3 1,175.4 1,185.6 1,178.4 8 Revolving home equity 158.7 184.0 188.4 196.0 202.1 208.3 215.4 223.4 224.9 226.6 227.9 229.7 9 Other 930.1 940.9 927.2 924.4 925.1 933.7 924.8 947.0 950.4 948.8 957.7 948.7 9a Other residential 598.7 602.6 590.8 589.0 590.0 596.2 585.1 604.3 607.1 605.4 613.9 603.9 9b Commercial 331.4 338.3 336.4 335.4 335.1 337.5 339.7 342.7 343.3 343.4 343.8 344.8 10 Consumer 313.8 326.1 325.0 327.2 324.2 322.0 322.6 324.8 326.1 324.0 324.3 324.8 10a Credit card and related plans 94.1 103.5 105.7 104.2 99.4 96.3 96.7 98.7 99.8 97.8 98.4 99.5 10f Other 219.6 222.6 219.2 223.0 224.8 225.6 225.9 226.1 226.3 226.2 225.9 225.4 11 Security (4) 78.9 85.7 85.1 93.2 90.5 82.3 86.8 82.2 78.9 85.8 79.4 100.1 11a Fed funds and RPs with broker/dealer 60.1 67.5 65.9 74.2 70.7 62.9 66.0 61.0 57.9 65.5 58.6 80.5 11b Other 18.8 18.3 19.2 19.0 19.7 19.4 20.8 21.2 21.0 20.3 20.8 19.5 12a State and local government 12.7 14.1 14.1 14.2 14.2 14.4 14.2 14.0 14.3 14.2 14.2 14.2 12b Agricultural 8.7 8.4 8.5 8.3 8.1 8.3 8.3 8.4 8.4 8.5 8.5 8.5 12c Fed funds and RPs with others 27.3 26.2 29.5 27.1 32.5 26.9 23.7 18.1 19.3 17.1 19.6 17.5 12d All other loans 89.2 88.6 115.8 125.0 123.6 123.2 127.8 135.3 135.4 139.0 136.4 140.2 12e Lease financing receivables 109.6 104.0 102.9 100.8 101.9 101.4 99.4 95.8 95.0 94.6 94.4 94.3 13 Interbank loans 190.0 181.6 182.4 189.2 211.1 178.8 215.6 201.6 198.2 199.4 199.2 219.6 13a Fed funds and RPs with banks 117.6 102.8 100.6 97.5 105.7 94.1 100.9 91.2 94.6 92.9 90.3 107.3 13b Other 72.3 78.9 81.7 91.7 105.5 84.7 114.7 110.5 103.6 106.4 108.9 112.2 14 Cash assets (5) 136.8 156.0 152.1 156.6 148.4 143.9 153.6 148.3 145.8 166.2 145.8 141.0 15 Other assets (6) 355.0 357.6 354.2 358.5 356.7 366.0 393.0 398.4 391.5 398.4 395.0 401.2 16 TOTAL ASSETS (7) 3,720.1 3,759.5 3,769.7 3,799.6 3,884.1 3,889.6 3,940.1 3,939.9 3,925.7 3,957.3 3,931.7 3,973.9 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 8 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars (continued) June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,103.0 2,162.2 2,176.8 2,162.3 2,178.9 2,238.2 2,274.0 2,291.5 2,276.2 2,330.3 2,311.4 2,328.9 18 Transaction 299.4 297.4 318.4 297.8 293.2 308.7 314.6 291.8 316.9 285.9 267.9 305.9 19 Nontransaction 1,803.6 1,864.9 1,858.4 1,864.5 1,885.8 1,929.5 1,959.4 1,999.7 1,959.3 2,044.4 2,043.4 2,022.9 20 Large time 271.7 249.8 249.5 253.3 245.1 254.3 257.0 273.4 275.6 280.9 289.4 289.1 21 Other 1,531.9 1,615.1 1,608.9 1,611.3 1,640.7 1,675.2 1,702.4 1,726.2 1,683.7 1,763.5 1,754.0 1,733.8 22 Borrowings 742.8 709.6 710.9 734.7 773.4 729.0 734.5 727.2 728.8 717.7 719.3 745.1 23 From banks in the U.S. 210.0 187.5 178.1 182.8 201.7 180.6 190.5 187.2 187.3 191.0 184.8 187.9 24 From others 532.8 522.1 532.8 551.9 571.7 548.4 544.1 540.0 541.5 526.7 534.5 557.1 25 Net due to related foreign offices 210.9 256.1 238.9 242.9 237.5 219.7 226.4 227.2 239.9 165.1 159.7 153.7 26 Other liabilities 250.3 237.1 246.4 259.3 289.4 294.5 268.3 265.1 242.4 355.8 348.8 349.4 27 TOTAL LIABILITIES 3,307.0 3,365.1 3,373.0 3,399.2 3,479.2 3,481.4 3,503.2 3,511.0 3,487.2 3,569.0 3,539.1 3,577.0 28 Residual (assets less liabilities) (8) 413.1 394.4 396.8 400.3 404.8 408.2 436.8 428.9 438.5 388.4 392.6 396.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 9 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Seasonally adjusted, adjusted for mergers, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,398.9 2,489.4 2,521.6 2,549.1 2,567.0 2,589.2 2,651.2 2,660.6 2,662.8 2,659.5 2,662.3 2,680.0 2 Securities in bank credit 682.5 704.7 710.8 715.8 718.9 719.8 727.1 730.0 731.0 731.9 731.2 733.4 3 Treasury and Agency securities (2) 477.2 496.5 500.3 503.6 506.2 506.4 513.7 521.3 521.4 523.1 521.9 523.0 4 Other securities 205.4 208.2 210.5 212.1 212.7 213.3 213.4 208.7 209.7 208.8 209.3 210.3 5 Loans and leases in bank credit (3) 1,716.4 1,784.7 1,810.8 1,833.3 1,848.1 1,869.4 1,924.0 1,930.6 1,931.8 1,927.6 1,931.1 1,946.7 6 Commercial and industrial 292.2 305.4 306.7 311.1 312.0 313.8 312.6 311.3 312.1 311.7 311.7 314.0 7 Real estate 1,034.3 1,072.5 1,089.1 1,103.2 1,114.3 1,131.4 1,187.0 1,193.9 1,191.2 1,187.2 1,191.6 1,202.7 8 Revolving home equity 80.8 89.3 92.0 94.3 96.1 98.4 101.4 103.7 104.3 105.5 105.9 107.1 9 Other 953.5 983.2 997.2 1,008.9 1,018.3 1,033.0 1,085.7 1,090.2 1,087.0 1,081.7 1,085.7 1,095.7 10 Consumer 279.6 299.5 307.3 309.7 311.9 314.9 314.4 314.9 317.6 318.9 318.6 320.8 11 Security (4) 7.8 7.7 7.8 8.2 8.3 7.8 7.5 7.4 7.6 7.1 7.0 7.1 12 Other loans and leases 102.5 99.6 99.8 101.2 101.7 101.6 102.5 103.0 103.3 102.7 102.2 102.1 13 Interbank loans 102.0 88.6 86.2 92.3 93.0 86.1 76.6 77.4 79.8 74.3 71.8 73.8 14 Cash assets (5) 121.8 117.2 113.6 116.3 118.6 120.5 120.6 121.1 117.4 121.6 122.8 117.2 15 Other assets (6) 145.9 155.3 161.0 159.1 162.7 165.4 169.1 172.6 169.2 172.8 174.8 185.6 16 TOTAL ASSETS (7) 2,738.1 2,819.0 2,850.4 2,884.6 2,909.2 2,928.9 2,984.4 2,998.5 2,995.9 2,994.9 2,998.4 3,023.1 L I A B I L I T I E S 17 Deposits 2,097.6 2,152.8 2,163.9 2,180.0 2,188.0 2,196.3 2,209.1 2,228.1 2,226.2 2,248.7 2,244.5 2,254.2 18 Transaction 318.0 330.2 334.1 329.1 336.0 346.9 341.1 341.8 356.6 332.4 336.1 333.7 19 Nontransaction 1,779.7 1,822.6 1,829.8 1,850.8 1,852.0 1,849.3 1,868.0 1,886.2 1,869.6 1,916.3 1,908.4 1,920.6 20 Large time 321.2 324.9 329.0 335.2 334.0 339.3 341.4 342.5 342.8 338.0 339.3 339.1 21 Other 1,458.5 1,497.8 1,500.8 1,515.6 1,518.0 1,510.0 1,526.7 1,543.7 1,526.8 1,578.4 1,569.2 1,581.5 22 Borrowings 397.0 433.8 440.9 453.5 455.6 452.6 485.6 493.2 491.7 489.2 489.3 503.1 23 From banks in the U.S. 150.4 161.7 166.5 164.5 169.8 165.3 197.7 192.9 188.4 185.2 187.5 196.1 24 From others 246.6 272.1 274.4 289.0 285.8 287.4 287.9 300.3 303.3 304.0 301.8 307.0 25 Net due to related foreign offices 12.3 14.6 20.6 23.3 24.4 20.1 23.5 23.0 23.1 17.5 19.8 15.2 26 Other liabilities 77.4 67.2 69.3 68.1 70.2 71.2 72.6 72.4 72.4 73.7 73.6 72.3 27 TOTAL LIABILITIES 2,584.4 2,668.4 2,694.7 2,724.9 2,738.1 2,740.2 2,790.8 2,816.7 2,813.4 2,829.1 2,827.2 2,844.9 28 Residual (assets less liabilities) (8) 153.7 150.5 155.7 159.7 171.0 188.8 193.5 181.8 182.5 165.8 171.2 178.3 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 10 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,392.7 2,504.5 2,538.3 2,553.3 2,563.9 2,579.5 2,640.4 2,654.2 2,656.6 2,648.0 2,652.7 2,660.9 2 Securities in bank credit 682.1 704.9 713.9 715.9 716.7 721.2 729.4 729.6 730.3 730.3 731.3 732.2 3 Treasury and Agency securities (2) 476.8 496.7 503.4 503.7 504.0 507.9 516.0 520.8 520.6 521.5 522.0 521.8 4 Other securities 205.4 208.2 210.5 212.1 212.7 213.3 213.4 208.7 209.7 208.8 209.3 210.3 5 Loans and leases in bank credit (3) 1,710.6 1,799.5 1,824.4 1,837.4 1,847.1 1,858.3 1,911.0 1,924.6 1,926.3 1,917.7 1,921.4 1,928.7 6 Commercial and industrial 294.2 304.4 306.7 310.4 311.9 314.3 314.0 313.4 314.1 313.2 313.0 314.5 7 Real estate 1,030.3 1,083.9 1,095.0 1,104.0 1,113.8 1,124.9 1,178.5 1,189.6 1,187.7 1,179.8 1,185.0 1,190.9 8 Revolving home equity 80.8 89.2 91.8 93.9 95.9 97.9 101.1 103.7 104.3 105.3 106.1 106.8 9 Other 949.5 994.7 1,003.2 1,010.0 1,017.9 1,027.0 1,077.4 1,085.9 1,083.4 1,074.5 1,078.9 1,084.1 9b Other residential -- -- -- -- -- -- -- -- -- 476.4 478.6 482.9 9c Commercial -- -- -- -- -- -- -- -- -- 598.1 600.2 601.1 10 Consumer 276.7 303.2 314.5 316.0 313.8 310.9 309.7 312.0 315.0 314.4 313.3 314.0 10a Credit card and related plans 130.7 148.3 156.9 155.7 153.8 152.5 151.1 153.7 156.5 156.8 155.5 155.9 10h Other 146.0 155.0 157.6 160.3 160.0 158.4 158.6 158.3 158.5 157.5 157.8 158.0 11 Security (4) 7.7 7.8 7.9 8.0 8.3 8.0 7.5 7.3 7.2 7.3 7.3 7.1 12 Other loans and leases 101.7 100.2 100.2 99.0 99.4 100.1 101.3 102.3 102.2 103.0 102.8 102.3 13 Interbank loans 98.2 90.4 87.0 87.8 93.1 90.5 80.3 75.1 73.7 75.8 75.8 73.0 14 Cash assets (5) 120.6 121.6 118.8 117.5 116.5 115.7 117.5 120.0 117.5 130.1 117.5 117.2 15 Other assets (6) 145.9 155.3 161.0 159.1 162.7 165.4 169.1 172.6 169.2 172.8 174.8 185.6 16 TOTAL ASSETS (7) 2,726.7 2,840.2 2,873.2 2,885.6 2,904.0 2,918.7 2,974.2 2,988.7 2,983.7 2,993.3 2,987.4 3,003.2 L I A B I L I T I E S 17 Deposits 2,093.5 2,163.6 2,176.9 2,175.6 2,178.4 2,194.4 2,213.0 2,223.7 2,215.2 2,259.4 2,250.6 2,251.6 18 Transaction 314.1 333.4 346.8 332.9 331.6 342.8 341.8 337.7 351.2 337.1 329.1 329.7 19 Nontransaction 1,779.4 1,830.2 1,830.1 1,842.7 1,846.9 1,851.6 1,871.2 1,886.0 1,864.0 1,922.3 1,921.6 1,922.0 20 Large time 321.2 324.9 329.0 335.2 334.0 339.3 341.4 342.5 342.8 338.0 339.3 339.1 21 Other 1,458.2 1,505.3 1,501.1 1,507.5 1,512.8 1,512.3 1,529.9 1,543.5 1,521.2 1,584.3 1,582.3 1,582.9 22 Borrowings 397.0 433.8 440.9 453.5 455.6 452.6 485.6 493.2 491.7 489.2 489.3 503.1 23 From banks in the U.S. 150.4 161.7 166.5 164.5 169.8 165.3 197.7 192.9 188.4 185.2 187.5 196.1 24 From others 246.6 272.1 274.4 289.0 285.8 287.4 287.9 300.3 303.3 304.0 301.8 307.0 25 Net due to related foreign offices 12.3 14.6 20.6 23.3 24.4 20.1 23.5 23.0 23.1 17.5 19.8 15.2 26 Other liabilities 77.4 67.2 69.3 68.1 70.2 71.2 72.6 72.4 72.4 73.7 73.6 72.3 27 TOTAL LIABILITIES 2,580.2 2,679.2 2,707.7 2,720.5 2,728.6 2,738.3 2,794.8 2,812.2 2,802.3 2,839.8 2,833.3 2,842.3 28 Residual (assets less liabilities) (8) 146.5 160.9 165.5 165.1 175.4 180.4 179.4 176.4 181.4 153.6 154.2 161.0 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 11 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 666.7 630.7 627.9 638.5 649.8 652.0 632.9 620.6 613.8 641.9 656.1 648.5 2 Securities in bank credit 282.9 263.7 265.9 261.3 265.6 265.1 262.4 255.0 254.9 260.6 264.5 260.7 3 Treasury and Agency securities (2) 124.0 97.7 99.2 98.3 99.5 96.3 95.2 92.4 92.9 92.6 95.5 95.8 4 Other securities 158.9 166.0 166.7 163.0 166.1 168.8 167.2 162.6 162.0 168.0 168.9 164.9 5 Loans and leases in bank credit (3) 383.8 367.0 362.0 377.2 384.2 386.9 370.5 365.6 358.9 381.2 391.7 387.8 6 Commercial and industrial 164.8 132.5 136.2 137.2 136.6 133.3 130.3 129.9 130.8 129.8 130.9 132.4 7 Real estate 19.1 22.1 17.8 17.1 17.1 17.1 17.3 15.7 14.5 14.6 14.6 14.6 11 Security (4) 125.2 136.1 124.9 131.1 138.8 147.4 137.9 134.7 127.6 150.7 159.2 152.1 12 Other loans and leases 74.8 76.4 83.1 91.8 91.8 89.1 85.0 85.3 86.0 86.1 86.9 88.7 13 Interbank loans 29.4 36.7 31.7 35.5 32.5 30.6 33.5 35.9 34.7 34.7 30.5 25.2 14 Cash assets (5) 49.2 51.4 49.8 55.3 57.1 60.3 64.3 67.2 70.1 60.1 60.2 58.6 15 Other assets (6) 32.5 28.5 26.9 25.3 20.1 18.4 19.9 23.6 23.5 37.7 37.5 35.6 16 TOTAL ASSETS (7) 777.3 747.0 735.9 754.2 759.0 760.9 750.2 746.9 741.7 774.0 783.9 767.4 L I A B I L I T I E S 17 Deposits 419.9 437.6 435.8 452.8 463.6 466.9 475.0 487.8 484.6 508.9 516.8 517.2 18 Transaction 10.0 10.9 11.0 11.9 11.8 11.7 11.3 11.3 11.4 11.2 12.1 11.9 19 Nontransaction 409.9 426.7 424.8 440.9 451.8 455.2 463.7 476.5 473.3 497.6 504.7 505.3 22 Borrowings 319.5 306.6 317.4 326.7 337.3 342.3 336.0 320.5 315.3 326.0 325.9 328.2 23 From banks in the U.S. 34.6 34.8 43.1 39.4 42.0 46.2 41.3 40.2 41.1 42.8 39.9 50.8 24 From others 284.8 271.8 274.3 287.3 295.3 296.1 294.7 280.3 274.2 283.2 286.0 277.4 25 Net due to related foreign offices -75.7 -92.8 -110.4 -130.6 -150.7 -153.7 -169.0 -174.6 -177.8 -169.4 -163.1 -166.9 26 Other liabilities 103.7 101.8 99.3 101.7 105.0 102.2 106.4 101.6 105.0 97.9 91.8 89.7 27 TOTAL LIABILITIES 767.4 753.1 742.1 750.6 755.1 757.8 748.4 735.3 727.1 763.4 771.4 768.3 28 Residual (assets less liabilities) (8) 10.0 -6.2 -6.3 3.7 3.9 3.1 1.8 11.6 14.6 10.6 12.4 -0.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 12 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 664.1 632.3 634.9 641.9 652.1 655.5 638.5 617.8 610.3 638.2 650.6 653.5 2 Securities in bank credit (2) 282.9 263.7 265.9 261.3 265.6 265.1 262.4 255.0 254.9 260.6 264.5 260.7 3 Treasury and Agency securities 124.0 97.7 99.2 98.3 99.5 96.3 95.2 92.4 92.9 92.6 95.5 95.8 3a Trading account 41.8 32.7 35.2 33.6 35.5 34.0 33.7 32.2 31.7 33.3 36.2 36.1 3b Investment account 82.2 65.0 64.0 64.7 64.0 62.3 61.5 60.2 61.2 59.3 59.4 59.7 4 Other securities 158.9 166.0 166.7 163.0 166.1 168.8 167.2 162.6 162.0 168.0 168.9 164.9 4a Trading account 104.5 103.4 101.9 96.4 98.3 100.0 96.8 99.6 100.1 106.3 107.5 104.5 4b Investment account 54.4 62.6 64.8 66.6 67.7 68.9 70.4 63.1 61.9 61.7 61.5 60.4 5 Loans and leases in bank credit (3) 381.2 368.6 369.0 380.6 386.5 390.3 376.1 362.8 355.4 377.6 386.1 392.8 6 Commercial and industrial 164.8 131.9 137.3 137.9 138.2 135.2 131.2 129.9 130.2 129.8 130.4 131.8 7 Real estate 19.1 22.1 17.8 17.1 17.1 17.1 17.3 15.7 14.5 14.6 14.6 14.6 11 Security (4) 122.1 139.8 130.6 134.9 141.3 149.2 141.6 131.5 124.5 145.5 152.9 156.2 12 Other loans and leases 75.2 74.8 83.2 90.8 90.0 88.8 86.0 85.7 86.2 87.8 88.1 90.1 13 Interbank loans 29.4 36.7 31.7 35.5 32.5 30.6 33.5 35.9 34.7 34.7 30.5 25.2 14 Cash assets (5) 48.7 51.4 51.3 54.9 56.3 58.3 63.7 66.5 68.9 60.4 59.3 58.4 15 Other assets (6) 33.0 28.0 27.3 27.0 21.2 18.5 19.1 24.1 24.0 38.4 38.3 35.8 16 TOTAL ASSETS (7) 774.8 748.0 744.8 759.0 761.7 762.5 754.4 743.9 737.5 771.3 778.2 772.3 L I A B I L I T I E S 17 Deposits 429.5 426.9 435.0 458.7 469.7 471.5 484.5 498.9 497.2 520.4 527.6 525.3 18 Transaction 9.8 10.8 11.3 12.2 11.8 11.3 11.1 11.1 11.2 11.3 11.6 11.8 19 Nontransaction 419.7 416.2 423.6 446.5 457.8 460.2 473.4 487.8 486.0 509.1 516.0 513.6 22 Borrowings 319.5 306.6 317.4 326.7 337.3 342.3 336.0 320.5 315.3 326.0 325.9 328.2 23 From banks in the U.S. 34.6 34.8 43.1 39.4 42.0 46.2 41.3 40.2 41.1 42.8 39.9 50.8 24 From others 284.8 271.8 274.3 287.3 295.3 296.1 294.7 280.3 274.2 283.2 286.0 277.4 25 Net due to related foreign offices -77.8 -90.2 -108.8 -129.9 -151.1 -154.2 -171.4 -176.5 -179.4 -171.8 -165.8 -169.7 26 Other liabilities 102.0 103.9 100.6 102.3 104.7 101.7 104.3 100.0 103.5 95.8 89.6 87.5 27 TOTAL LIABILITIES 773.2 747.2 744.1 757.9 760.6 761.3 753.4 742.9 736.6 770.4 777.3 771.4 28 Residual (assets less liabilities) (8) 1.6 0.8 0.7 1.1 1.1 1.1 1.0 0.9 0.9 0.9 0.9 0.9 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars June 25, 2004 Account 2003 2003 2003 2004 2004 2004 2004 2004 Week ending May Nov Dec Jan Feb Mar Apr May May 26 Jun 2 Jun 9 Jun 16 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 124.4 112.4 120.0 125.7 125.6 129.4 106.9 101.8 102.0 100.2 102.5 100.9 30 Reval. losses on off-bal. sheet items (9) 105.2 94.5 103.7 110.5 114.7 118.9 93.2 85.7 84.9 83.7 87.2 86.6 31 Mortgage-backed securities (10) 437.3 414.8 413.0 412.5 469.4 502.0 498.9 487.7 481.9 483.0 477.3 475.8 31a Pass-through 321.9 299.1 294.8 293.7 348.4 380.5 383.9 377.7 375.3 375.3 369.6 369.3 31b CMO, REMIC, and other 115.3 115.7 118.2 118.8 121.1 121.6 115.0 109.9 106.6 107.8 107.7 106.5 32 Net unrealized gains (losses) on available-for-sale securities (11) 11.1 3.1 3.7 4.3 7.0 10.7 4.9 -5.5 -4.9 -5.6 -5.8 -6.2 33 Securitized consumer loans (12) 129.8 137.7 138.5 140.0 139.4 141.3 139.1 136.4 135.9 137.7 136.5 136.1 33a Credit card and related plans 112.4 118.8 119.3 120.8 120.4 121.1 119.4 117.2 116.8 118.6 117.5 117.2 33b Other 17.4 18.9 19.3 19.2 18.9 20.2 19.8 19.3 19.2 19.1 19.0 18.9 35 Securitized business loans (12) 10.2 7.5 7.2 7.6 7.5 7.4 7.4 7.4 7.4 7.4 7.4 7.3 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 328.5 324.3 330.8 327.2 326.7 331.9 335.1 335.8 334.6 335.6 334.1 332.2 33 Securitized consumer loans (12) 231.0 231.4 232.1 234.3 231.6 232.5 229.5 224.7 223.9 223.7 223.9 224.5 33a Credit card and related plans 223.6 224.0 224.7 226.7 224.1 225.3 222.4 217.5 216.6 216.4 216.7 217.3 33b Other 7.4 7.4 7.4 7.6 7.4 7.2 7.1 7.2 7.3 7.3 7.2 7.2 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 72.5 63.9 63.9 63.7 62.9 61.9 58.6 60.7 59.9 61.0 61.3 58.4 30 Reval. losses on off-bal. sheet items (9) 72.6 66.3 66.9 68.4 69.2 68.0 65.0 62.5 59.2 60.0 59.8 58.1 34 Securitized business loans (12) 3.0 1.3 1.2 0.9 0.4 0.4 0.4 0.4 0.4 0.4 0.4 0.4 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 June 25, 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. Total amount outstanding.