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 August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 6,599.5 6,891.9 6,998.9 7,086.1 7,108.3 7,157.6 7,206.5 7,258.4 7,276.7 7,308.0 7,313.6 7,315.0 2 Securities in bank credit 1,908.5 1,990.9 2,038.7 2,057.9 2,043.8 2,070.4 2,053.4 2,060.5 2,055.8 2,062.3 2,051.3 2,059.4 3 Treasury and Agency securities (2) 1,180.7 1,183.9 1,219.8 1,220.4 1,195.3 1,201.8 1,174.5 1,178.2 1,177.2 1,176.8 1,169.9 1,178.6 4 Other securities 727.8 806.9 819.0 837.5 848.5 868.6 878.9 882.3 878.6 885.5 881.4 880.7 5 Loans and leases in bank credit (3) 4,690.9 4,901.1 4,960.2 5,028.2 5,064.5 5,087.2 5,153.1 5,197.9 5,220.9 5,245.6 5,262.3 5,255.7 6 Commercial and industrial 895.9 946.3 956.7 964.6 976.8 988.2 993.5 1,007.0 1,014.1 1,012.7 1,010.9 1,018.3 7 Real estate 2,420.3 2,569.7 2,598.1 2,652.1 2,677.7 2,683.2 2,722.1 2,768.0 2,774.4 2,793.8 2,801.1 2,796.8 8 Revolving home equity 347.0 406.4 408.2 416.1 420.2 423.6 426.9 431.0 432.5 432.7 432.6 433.5 9 Other 2,073.3 2,163.3 2,189.9 2,236.0 2,257.6 2,259.6 2,295.2 2,337.0 2,341.9 2,361.2 2,368.4 2,363.3 10 Consumer 691.0 702.9 700.7 708.7 711.4 704.6 707.4 711.7 718.7 715.4 717.2 718.2 11 Security (4) 238.0 200.7 221.4 228.4 223.9 236.1 246.4 229.8 224.5 230.9 241.5 235.7 12 Other loans and leases 445.8 481.5 483.3 474.4 474.6 475.1 483.6 481.3 489.2 492.8 491.7 486.7 13 Interbank loans 373.5 289.5 293.7 276.4 287.3 285.5 264.6 255.9 261.0 266.1 252.7 259.0 14 Cash assets (5) 331.7 337.5 334.5 350.5 332.8 340.2 344.0 328.0 326.9 334.0 326.1 311.4 15 Other assets (6) 624.8 660.4 667.1 687.9 680.3 678.6 695.8 683.2 686.7 683.3 696.6 676.8 16 TOTAL ASSETS (7) 7,858.3 8,109.8 8,225.3 8,332.5 8,340.4 8,393.6 8,442.4 8,456.8 8,482.5 8,522.4 8,520.2 8,493.4 L I A B I L I T I E S 17 Deposits 5,156.7 5,370.8 5,391.0 5,452.6 5,500.3 5,511.9 5,549.3 5,566.9 5,580.8 5,594.6 5,599.2 5,633.8 18 Transaction 658.0 663.9 676.8 704.3 674.4 678.5 696.4 663.5 710.4 619.4 642.9 668.5 19 Nontransaction 4,498.7 4,706.9 4,714.2 4,748.3 4,826.0 4,833.5 4,852.9 4,903.4 4,870.5 4,975.2 4,956.3 4,965.3 20 Large time 1,149.1 1,227.4 1,226.4 1,249.4 1,296.0 1,299.6 1,317.9 1,313.2 1,318.4 1,329.4 1,337.8 1,340.2 21 Other 3,349.6 3,479.5 3,487.8 3,498.8 3,529.9 3,533.9 3,535.0 3,590.2 3,552.0 3,645.8 3,618.5 3,625.1 22 Borrowings 1,592.7 1,550.7 1,592.3 1,621.4 1,609.7 1,623.0 1,620.6 1,610.7 1,631.2 1,637.5 1,650.7 1,642.5 23 From banks in the U.S. 458.6 362.6 376.3 363.8 373.7 361.6 360.4 336.3 343.8 344.7 327.5 334.2 24 From others 1,134.0 1,188.1 1,216.0 1,257.5 1,236.0 1,261.3 1,260.3 1,274.4 1,287.3 1,292.8 1,323.2 1,308.3 25 Net due to related foreign offices 51.9 67.1 63.0 71.9 40.9 68.2 53.3 102.1 105.8 118.1 96.3 48.9 26 Other liabilities 475.0 479.3 481.9 493.5 511.2 493.3 498.2 489.6 477.8 485.8 482.3 484.1 27 TOTAL LIABILITIES 7,276.2 7,467.8 7,528.2 7,639.3 7,662.1 7,696.4 7,721.4 7,769.3 7,795.6 7,836.0 7,828.6 7,809.2 28 Residual (assets less liabilities) (8) 582.1 642.0 697.1 693.2 678.3 697.2 721.0 687.5 686.9 686.4 691.6 684.1 ------------------------------------------------- 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 August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 6,581.0 6,902.3 6,984.3 7,052.1 7,087.7 7,149.2 7,200.6 7,239.3 7,247.7 7,301.8 7,298.2 7,302.7 2 Securities in bank credit 1,903.2 1,993.4 2,035.3 2,048.6 2,039.8 2,073.8 2,055.1 2,054.5 2,050.2 2,064.1 2,049.9 2,055.2 3 Treasury and Agency securities (2) 1,179.1 1,179.3 1,215.0 1,215.7 1,198.5 1,210.1 1,178.3 1,176.8 1,175.9 1,179.0 1,167.4 1,171.6 4 Other securities 724.1 814.1 820.4 832.9 841.3 863.8 876.8 877.7 874.3 885.1 882.5 883.6 5 Loans and leases in bank credit (3) 4,677.8 4,908.9 4,948.9 5,003.6 5,047.9 5,075.4 5,145.5 5,184.8 5,197.6 5,237.7 5,248.3 5,247.5 6 Commercial and industrial 894.7 942.1 956.4 967.6 981.6 992.6 996.2 1,005.6 1,008.5 1,010.2 1,005.9 1,014.0 7 Real estate 2,415.7 2,568.8 2,592.8 2,636.6 2,665.5 2,682.9 2,716.1 2,762.8 2,768.3 2,790.7 2,802.8 2,799.5 8 Revolving home equity 347.7 404.6 408.4 413.0 418.8 424.5 428.4 431.8 433.5 433.7 433.7 435.1 9 Other 2,068.0 2,164.3 2,184.4 2,223.6 2,246.7 2,258.4 2,287.7 2,331.0 2,334.9 2,357.0 2,369.1 2,364.4 10 Consumer 683.6 716.3 705.8 702.2 702.9 698.7 700.2 704.2 712.4 708.3 710.0 714.6 10a Credit card and related plans 292.6 318.7 305.5 302.7 304.3 302.4 305.7 307.3 310.6 306.3 305.6 308.2 10b Other 391.0 397.6 400.3 399.5 398.5 396.3 394.5 396.9 401.8 402.0 404.5 406.4 11 Security (4) 234.4 202.8 219.4 227.4 225.4 228.1 246.5 226.9 220.9 230.4 237.7 229.5 12 Other loans and leases 449.4 478.9 474.5 469.8 472.4 473.1 486.4 485.4 487.5 498.1 491.9 489.9 13 Interbank loans 370.0 285.6 288.7 279.9 295.6 286.0 265.3 252.9 250.5 270.3 252.0 264.8 14 Cash assets (5) 326.2 347.1 331.6 337.3 328.2 334.9 335.6 322.5 310.1 334.1 305.7 305.5 15 Other assets (6) 625.7 661.1 662.2 683.2 678.5 678.4 691.9 684.3 683.6 689.1 700.9 681.6 16 TOTAL ASSETS (7) 7,831.9 8,126.6 8,197.6 8,283.8 8,321.9 8,380.1 8,424.8 8,430.6 8,423.5 8,526.2 8,488.0 8,485.7 L I A B I L I T I E S 17 Deposits 5,141.9 5,372.1 5,393.6 5,445.9 5,519.6 5,503.2 5,550.4 5,550.8 5,521.7 5,599.6 5,583.1 5,622.9 18 Transaction 655.6 676.5 668.6 694.9 681.1 668.8 689.0 661.0 695.8 621.7 616.4 656.2 19 Nontransaction 4,486.3 4,695.6 4,725.0 4,751.0 4,838.5 4,834.3 4,861.5 4,889.8 4,826.0 4,977.9 4,966.7 4,966.7 20 Large time 1,146.1 1,238.1 1,237.1 1,252.7 1,302.6 1,309.3 1,325.6 1,309.8 1,315.9 1,325.5 1,330.4 1,330.1 21 Other 3,340.1 3,457.5 3,488.0 3,498.2 3,535.9 3,525.0 3,535.9 3,580.1 3,510.1 3,652.4 3,636.3 3,636.6 22 Borrowings 1,593.9 1,547.4 1,590.4 1,609.3 1,616.2 1,641.2 1,632.3 1,612.2 1,627.8 1,637.6 1,641.0 1,639.7 23 From banks in the U.S. 458.4 359.6 373.8 365.0 378.1 362.2 359.8 336.2 342.3 346.6 328.8 336.7 24 From others 1,135.5 1,187.8 1,216.6 1,244.3 1,238.1 1,279.0 1,272.5 1,276.0 1,285.5 1,291.0 1,312.2 1,303.0 25 Net due to related foreign offices 44.4 72.1 67.9 65.2 24.1 63.8 48.7 93.3 103.3 110.8 90.7 46.7 26 Other liabilities 466.3 484.9 488.3 485.1 489.8 488.7 493.7 480.3 474.5 479.5 476.7 481.6 27 TOTAL LIABILITIES 7,246.5 7,476.5 7,540.2 7,605.4 7,649.7 7,696.9 7,725.2 7,736.6 7,727.4 7,827.4 7,791.6 7,790.9 28 Residual (assets less liabilities) (8) 585.4 650.1 657.5 678.4 672.3 683.3 699.6 693.9 696.1 698.8 696.4 694.8 ------------------------------------------------- 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 August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,949.4 6,218.5 6,301.4 6,381.2 6,403.7 6,435.4 6,475.6 6,515.2 6,528.8 6,555.6 6,557.9 6,553.9 2 Securities in bank credit 1,648.3 1,683.5 1,723.1 1,740.8 1,733.7 1,756.0 1,734.2 1,733.7 1,732.3 1,732.0 1,718.6 1,729.2 3 Treasury and Agency securities (2) 1,089.3 1,096.4 1,122.7 1,125.6 1,109.2 1,113.6 1,085.7 1,090.7 1,092.8 1,090.9 1,083.8 1,091.9 4 Other securities 559.0 587.1 600.4 615.3 624.5 642.4 648.4 643.0 639.5 641.0 634.9 637.2 5 Loans and leases in bank credit (3) 4,301.2 4,535.1 4,578.4 4,640.4 4,670.0 4,679.4 4,741.4 4,781.5 4,796.4 4,823.6 4,839.2 4,824.8 6 Commercial and industrial 763.6 802.6 811.1 819.4 826.2 833.3 838.9 845.2 849.5 848.5 846.1 851.9 7 Real estate 2,402.9 2,550.6 2,579.2 2,633.1 2,658.5 2,664.9 2,703.9 2,751.5 2,757.9 2,777.0 2,784.5 2,780.2 8 Revolving home equity 347.0 406.4 408.2 416.1 420.2 423.6 426.9 431.0 432.5 432.7 432.6 433.5 9 Other 2,055.9 2,144.2 2,171.0 2,217.0 2,238.4 2,241.4 2,277.0 2,320.5 2,325.4 2,344.4 2,351.8 2,346.7 10 Consumer 691.0 702.9 700.7 708.7 711.4 704.6 707.4 711.7 718.7 715.4 717.2 718.2 11 Security (4) 86.6 99.0 107.8 107.9 104.9 106.7 113.4 103.0 95.5 102.1 111.6 100.1 12 Other loans and leases 357.1 380.0 379.5 371.2 369.1 369.9 377.7 370.1 374.9 380.5 379.8 374.4 13 Interbank loans 335.4 244.2 252.0 233.4 242.3 237.6 215.5 205.4 215.2 207.4 206.2 211.8 14 Cash assets (5) 268.7 270.7 270.4 285.4 268.7 276.0 279.7 262.2 261.6 264.2 259.8 245.2 15 Other assets (6) 586.1 629.2 635.9 654.7 646.1 643.1 658.0 645.9 650.1 642.4 656.0 639.9 16 TOTAL ASSETS (7) 7,068.9 7,293.5 7,391.3 7,486.8 7,492.9 7,524.1 7,560.7 7,560.4 7,587.3 7,601.0 7,611.3 7,582.5 L I A B I L I T I E S 17 Deposits 4,606.8 4,806.2 4,837.7 4,891.5 4,911.4 4,924.6 4,947.5 4,984.7 4,991.1 4,999.6 4,992.1 5,003.8 18 Transaction 646.5 652.1 663.6 689.8 660.1 664.3 682.3 649.0 695.1 604.4 627.5 653.0 19 Nontransaction 3,960.3 4,154.0 4,174.0 4,201.7 4,251.3 4,260.2 4,265.2 4,335.7 4,296.0 4,395.1 4,364.6 4,350.9 20 Large time 631.7 690.3 710.1 723.4 739.0 745.7 748.9 763.1 763.0 765.5 765.4 765.3 21 Other 3,328.6 3,463.8 3,463.9 3,478.3 3,512.3 3,514.5 3,516.2 3,572.6 3,533.1 3,629.6 3,599.2 3,585.6 22 Borrowings 1,261.2 1,201.2 1,229.6 1,253.9 1,248.9 1,256.4 1,262.2 1,246.3 1,260.8 1,250.4 1,272.8 1,249.2 23 From banks in the U.S. 417.6 322.4 332.1 320.0 329.4 321.8 315.6 295.2 303.1 294.9 286.5 284.8 24 From others 843.6 878.7 897.5 933.9 919.6 934.6 946.6 951.0 957.7 955.5 986.4 964.4 25 Net due to related foreign offices 235.5 265.1 248.7 253.3 244.1 260.8 236.7 249.2 269.9 270.3 269.7 257.5 26 Other liabilities 388.5 387.2 385.9 402.0 417.9 400.3 400.3 395.6 389.5 391.9 384.9 389.7 27 TOTAL LIABILITIES 6,492.0 6,659.7 6,701.9 6,800.7 6,822.3 6,842.0 6,846.7 6,875.7 6,911.3 6,912.1 6,919.6 6,900.2 28 Residual (assets less liabilities) (8) 576.9 633.8 689.4 686.1 670.6 682.1 714.0 684.6 676.0 688.9 691.8 682.3 ------------------------------------------------- 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 August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 5,934.8 6,226.4 6,285.1 6,344.1 6,377.6 6,429.6 6,469.6 6,499.2 6,504.9 6,551.3 6,547.7 6,550.1 2 Securities in bank credit 1,642.9 1,686.0 1,719.7 1,731.5 1,729.7 1,759.5 1,735.9 1,727.7 1,726.7 1,733.7 1,717.3 1,725.0 3 Treasury and Agency securities (2) 1,087.7 1,091.7 1,117.9 1,120.9 1,112.4 1,121.9 1,089.5 1,089.3 1,091.5 1,093.1 1,081.2 1,085.0 4 Other securities 555.3 594.3 601.8 610.6 617.3 637.6 646.3 638.4 635.2 640.7 636.1 640.0 5 Loans and leases in bank credit (3) 4,291.8 4,540.4 4,565.4 4,612.5 4,647.9 4,670.1 4,733.7 4,771.5 4,778.2 4,817.6 4,830.4 4,825.1 6 Commercial and industrial 763.1 797.8 809.1 820.4 829.8 837.6 842.2 844.7 845.1 847.1 842.8 848.7 7 Real estate 2,398.3 2,549.7 2,573.9 2,617.6 2,646.3 2,664.7 2,698.0 2,746.3 2,751.8 2,773.9 2,786.2 2,782.9 8 Revolving home equity 347.7 404.6 408.4 413.0 418.8 424.5 428.4 431.8 433.5 433.7 433.7 435.1 9 Other 2,050.6 2,145.2 2,165.5 2,204.6 2,227.5 2,240.2 2,269.5 2,314.4 2,318.4 2,340.2 2,352.5 2,347.8 9a Other residential 1,051.9 1,078.9 1,086.6 1,108.3 1,120.8 1,121.3 1,138.1 1,168.4 1,166.5 1,187.3 1,197.4 1,188.9 9b Commercial 998.7 1,066.3 1,078.9 1,096.4 1,106.7 1,118.8 1,131.4 1,146.0 1,151.8 1,152.9 1,155.1 1,158.9 10 Consumer 683.6 716.3 705.8 702.2 702.9 698.7 700.2 704.2 712.4 708.3 710.0 714.6 10a Credit card and related plans 292.6 318.7 305.5 302.7 304.3 302.4 305.7 307.3 310.6 306.3 305.6 308.2 10d Other 391.0 397.6 400.3 399.5 398.5 396.3 394.5 396.9 401.8 402.0 404.5 406.4 11 Security (4) 87.1 98.0 103.7 105.5 103.3 101.7 114.4 103.5 95.7 103.9 112.5 102.4 12 Other loans and leases 359.7 378.6 372.9 366.9 365.7 367.4 378.9 372.8 373.1 384.4 378.9 376.5 13 Interbank loans 332.0 240.3 247.0 236.9 250.6 238.1 216.2 202.5 204.7 211.5 205.4 217.7 14 Cash assets (5) 263.8 280.7 268.4 274.4 264.8 271.3 271.8 257.3 245.5 264.2 239.8 239.2 15 Other assets (6) 588.1 627.9 629.3 650.0 645.7 642.2 654.1 648.1 648.1 648.9 660.6 645.0 16 TOTAL ASSETS (7) 7,048.1 7,306.3 7,361.0 7,437.0 7,471.0 7,513.2 7,543.5 7,539.0 7,535.1 7,607.3 7,585.0 7,583.5 L I A B I L I T I E S 17 Deposits 4,593.5 4,800.2 4,833.0 4,879.3 4,918.9 4,902.4 4,940.0 4,970.2 4,931.5 5,008.4 4,984.1 5,003.6 18 Transaction 644.2 664.3 655.4 680.9 667.0 654.9 674.9 646.5 680.7 606.7 601.4 640.7 19 Nontransaction 3,949.3 4,135.8 4,177.6 4,198.4 4,251.8 4,247.5 4,265.1 4,323.7 4,250.9 4,401.6 4,382.8 4,362.9 20 Large time 630.2 694.3 713.8 720.9 733.9 742.3 748.2 761.2 759.8 765.3 765.5 765.2 21 Other 3,319.1 3,441.6 3,463.8 3,477.5 3,518.0 3,505.2 3,516.9 3,562.4 3,491.1 3,636.3 3,617.3 3,597.7 22 Borrowings 1,262.4 1,197.9 1,227.7 1,241.8 1,255.5 1,274.7 1,273.9 1,247.7 1,257.5 1,250.5 1,263.1 1,246.5 23 From banks in the U.S. 417.5 319.5 329.7 321.2 333.8 322.4 315.1 295.1 301.6 296.8 287.7 287.3 24 From others 845.0 878.4 898.0 920.6 921.7 952.3 958.8 952.6 955.9 953.6 975.4 959.1 25 Net due to related foreign offices 229.7 269.4 254.0 247.1 229.8 258.5 235.0 242.4 266.9 265.5 264.6 254.6 26 Other liabilities 380.9 392.2 392.5 394.0 398.3 397.2 397.8 387.6 385.9 387.1 379.6 386.8 27 TOTAL LIABILITIES 6,466.4 6,659.7 6,707.2 6,762.3 6,802.4 6,832.8 6,846.7 6,847.9 6,841.8 6,911.4 6,891.4 6,891.5 28 Residual (assets less liabilities) (8) 581.7 646.6 653.8 674.7 668.6 680.4 696.8 691.1 693.3 695.9 693.5 692.0 ------------------------------------------------- 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 August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,325.0 3,495.0 3,547.9 3,573.2 3,562.9 3,569.5 3,588.2 3,608.8 3,619.0 3,637.7 3,637.7 3,630.4 2 Securities in bank credit 932.5 966.9 1,005.3 1,024.7 1,010.8 1,031.2 1,019.3 1,022.0 1,020.9 1,020.2 1,007.3 1,015.2 3 Treasury and Agency securities (2) 581.7 598.0 624.6 632.6 610.8 611.4 591.0 597.6 599.0 597.6 589.7 597.2 3a Trading account 38.2 34.1 51.3 52.2 47.8 53.9 51.0 49.4 47.7 49.7 44.2 48.6 3b Investment account 543.5 563.9 573.3 580.5 563.0 557.5 540.0 548.2 551.3 547.9 545.5 548.6 3c Mortgage-backed 432.8 459.1 467.7 472.6 464.2 458.2 440.7 448.9 451.1 448.8 445.5 448.1 3b Other 110.6 104.8 105.6 107.9 98.8 99.3 99.3 99.3 100.2 99.2 99.9 100.4 4 Other securities 350.8 368.9 380.6 392.1 400.0 419.9 428.3 424.4 421.9 422.5 417.6 418.1 4a Trading account 189.8 201.1 203.3 204.9 208.1 218.7 224.0 214.9 214.0 212.3 207.5 208.3 4b Investment account 161.0 167.8 177.4 187.2 192.0 201.1 204.3 209.5 208.0 210.3 210.1 209.7 4c State and local government 33.1 33.2 34.3 35.2 36.1 36.8 36.6 37.6 37.8 37.6 37.7 37.9 4d Other 127.8 134.6 143.1 152.0 155.9 164.3 167.7 171.9 170.2 172.7 172.4 171.9 5 Loans and leases in bank credit (3) 2,392.5 2,528.1 2,542.7 2,548.5 2,552.0 2,538.3 2,568.9 2,586.8 2,598.1 2,617.5 2,630.3 2,615.2 6 Commercial and industrial 455.6 473.1 479.5 483.4 486.8 490.6 493.7 494.4 496.3 495.6 493.9 498.8 7 Real estate 1,212.2 1,297.0 1,295.4 1,305.9 1,313.6 1,300.5 1,316.3 1,349.2 1,358.2 1,367.0 1,372.2 1,368.5 8 Revolving home equity 245.8 291.1 292.3 297.2 298.8 299.6 299.9 302.2 303.1 303.0 302.9 302.7 9 Other 966.4 1,005.9 1,003.1 1,008.7 1,014.8 1,000.9 1,016.3 1,047.0 1,055.0 1,064.0 1,069.3 1,065.8 9a Other residential 608.6 635.7 629.5 634.2 639.0 623.2 634.2 658.5 662.3 672.1 677.7 671.7 9b Commercial 357.7 370.2 373.6 374.5 375.8 377.6 382.1 388.5 392.7 391.9 391.7 394.1 10 Consumer 386.8 390.2 391.3 389.9 388.5 382.0 380.0 382.7 387.5 384.9 385.7 387.1 11 Security (4) 79.8 91.0 99.8 100.0 96.6 98.4 105.1 94.6 86.5 93.9 103.5 91.5 11a Fed funds and RPs with broker/dealer 59.2 69.1 77.9 77.3 81.5 82.7 89.4 79.6 72.2 78.6 87.3 76.0 11b Other 20.7 21.9 21.9 22.7 15.0 15.7 15.7 15.0 14.4 15.4 16.1 15.5 12a State and local government 15.7 16.9 16.7 16.8 16.9 16.9 16.8 17.0 17.2 17.2 17.2 17.4 12b Agricultural 9.3 9.4 9.3 9.2 9.2 9.1 9.0 9.1 9.1 9.1 9.2 9.2 12c Fed funds and RPs with others 22.3 27.5 27.3 28.1 22.1 20.6 26.2 21.2 21.4 30.5 23.0 21.2 12d All other loans 117.2 127.3 127.9 120.5 124.5 127.5 129.4 125.7 129.2 126.6 133.0 128.8 12e Lease financing receivables 93.6 95.6 95.5 94.7 93.9 92.7 92.6 92.7 92.8 92.8 92.6 92.5 13 Interbank loans 261.9 164.4 171.9 157.7 171.9 164.4 145.7 135.3 138.3 135.9 138.6 137.9 13a Fed funds and RPs with banks 144.8 104.9 106.9 92.7 108.2 98.9 80.1 67.3 69.6 69.9 71.6 74.4 13b Other 117.1 59.5 65.0 65.1 63.7 65.5 65.6 68.1 68.8 66.0 67.1 63.5 14 Cash assets (5) 152.8 158.4 156.2 170.3 157.0 163.2 168.3 150.2 148.2 152.9 144.1 134.1 15 Other assets (6) 437.0 454.7 458.1 470.6 458.5 447.0 452.3 445.9 454.0 441.1 453.0 452.8 16 TOTAL ASSETS (7) 4,138.1 4,235.8 4,298.1 4,336.7 4,315.4 4,309.7 4,320.1 4,306.1 4,325.5 4,333.3 4,339.3 4,321.3 ------------------------------------------------- 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) August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,371.4 2,465.8 2,472.7 2,500.8 2,503.9 2,507.5 2,519.7 2,527.4 2,524.8 2,529.7 2,525.7 2,533.7 18 Transaction 310.0 315.6 322.3 334.8 312.8 316.1 327.6 303.8 328.1 271.3 289.1 317.0 19 Nontransaction 2,061.4 2,150.2 2,150.4 2,166.0 2,191.0 2,191.4 2,192.1 2,223.6 2,196.7 2,258.3 2,236.6 2,216.7 20 Large time 301.9 327.6 340.2 344.2 351.6 353.4 354.1 361.1 360.3 360.2 360.0 359.7 21 Other 1,759.5 1,822.6 1,810.2 1,821.8 1,839.4 1,838.0 1,838.0 1,862.5 1,836.4 1,898.2 1,876.6 1,857.0 22 Borrowings 774.0 717.8 735.0 758.9 750.0 742.6 752.8 742.4 752.9 748.6 767.2 749.2 23 From banks in the U.S. 225.3 162.1 165.9 153.2 162.5 152.3 150.2 133.7 142.1 134.8 127.4 127.0 24 From others 548.8 555.6 569.1 605.8 587.4 590.3 602.7 608.7 610.8 613.8 639.9 622.2 25 Net due to related foreign offices 221.4 253.5 240.0 247.4 238.6 250.2 227.0 236.3 255.4 257.0 256.1 242.8 26 Other liabilities 314.5 314.2 316.7 329.1 346.1 327.8 324.9 322.4 316.1 318.5 311.0 314.1 27 TOTAL LIABILITIES 3,681.4 3,751.3 3,764.4 3,836.3 3,838.6 3,828.1 3,824.5 3,828.4 3,849.2 3,853.8 3,860.0 3,839.8 28 Residual (assets less liabilities) (8) 456.7 484.5 533.7 500.4 476.9 481.6 495.6 477.6 476.3 479.5 479.4 481.5 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 7 ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,319.5 3,499.5 3,533.0 3,541.1 3,547.3 3,572.2 3,591.8 3,602.6 3,605.3 3,641.9 3,634.7 3,631.3 2 Securities in bank credit 929.2 970.3 1,002.1 1,008.2 1,003.3 1,036.8 1,019.8 1,018.0 1,017.4 1,024.6 1,008.5 1,015.3 3 Treasury and Agency securities (2) 582.2 594.2 620.1 620.7 610.4 621.8 593.6 598.1 599.9 602.4 589.6 594.4 3a Trading account 38.1 33.9 51.7 51.7 48.1 54.7 51.4 49.2 47.4 49.9 44.0 48.4 3b Investment account 544.1 560.3 568.4 569.0 562.3 567.1 542.2 548.9 552.4 552.5 545.6 546.1 3c Mortgage-backed 433.8 456.1 462.0 462.2 462.9 466.2 442.2 449.9 452.7 452.8 446.1 446.1 3d Other 110.3 104.2 106.3 106.9 99.4 100.8 100.0 99.0 99.7 99.7 99.5 99.9 4 Other securities 347.0 376.1 382.0 387.5 392.8 415.0 426.2 419.9 417.6 422.2 418.8 420.9 4a Trading account 187.8 205.0 204.0 202.5 204.3 216.2 222.9 212.6 211.8 212.1 208.1 209.7 4b Investment account 159.3 171.1 178.0 185.0 188.5 198.8 203.3 207.3 205.8 210.1 210.7 211.2 4c State and local government 32.8 33.8 34.4 34.8 35.4 36.4 36.4 37.2 37.4 37.6 37.8 38.1 4d Other 126.5 137.3 143.6 150.2 153.1 162.4 166.9 170.1 168.4 172.5 172.9 173.0 5 Loans and leases in bank credit (3) 2,390.3 2,529.1 2,530.9 2,532.9 2,544.0 2,535.4 2,572.0 2,584.6 2,587.9 2,617.3 2,626.3 2,616.0 6 Commercial and industrial 455.0 469.0 477.5 483.8 489.0 492.6 495.0 493.7 493.2 495.4 492.4 497.3 7 Real estate 1,212.3 1,295.3 1,290.8 1,297.6 1,310.6 1,304.9 1,319.1 1,349.4 1,356.1 1,367.3 1,375.4 1,371.1 8 Revolving home equity 246.3 289.7 292.8 294.8 297.8 300.5 301.1 302.9 304.0 303.9 303.7 304.0 9 Other 966.0 1,005.6 998.0 1,002.8 1,012.7 1,004.4 1,018.0 1,046.6 1,052.1 1,063.4 1,071.6 1,067.0 9a Other residential 608.4 635.5 626.3 630.5 637.7 625.4 635.2 658.2 660.5 671.7 679.1 672.5 9b Commercial 357.6 370.1 371.7 372.3 375.0 379.0 382.8 388.4 391.6 391.7 392.5 394.6 10 Consumer 383.4 397.0 394.4 387.8 385.1 379.2 377.4 379.2 384.4 381.3 382.2 385.0 10a Credit card and related plans 139.4 156.7 152.2 145.7 145.2 142.6 143.9 143.9 144.8 142.0 141.0 142.8 10f Other 244.1 240.3 242.2 242.1 239.9 236.7 233.5 235.3 239.6 239.4 241.2 242.3 11 Security (4) 80.3 90.3 95.7 97.3 94.9 93.6 106.1 95.1 87.1 95.4 104.0 93.6 11a Fed funds and RPs with broker/dealer 59.5 68.6 74.7 75.3 80.2 78.7 90.3 80.0 72.7 79.8 87.8 77.8 11b Other 20.8 21.7 21.0 22.1 14.8 14.9 15.8 15.1 14.5 15.6 16.2 15.8 12a State and local government 15.7 16.9 16.7 16.8 16.9 16.9 16.8 17.0 17.2 17.2 17.2 17.4 12b Agricultural 9.3 9.5 9.2 9.1 9.1 9.1 9.1 9.2 9.2 9.2 9.2 9.2 12c Fed funds and RPs with others 22.3 27.5 27.3 28.1 22.1 20.6 26.2 21.2 21.4 30.5 23.0 21.2 12d All other loans 118.5 127.5 124.2 118.0 122.6 125.8 130.0 127.1 126.7 128.3 130.4 128.6 12e Lease financing receivables 93.5 96.0 95.2 94.4 93.8 92.6 92.4 92.6 92.5 92.7 92.4 92.4 13 Interbank loans 260.7 163.8 166.8 157.2 176.7 167.2 147.6 134.7 134.6 138.8 136.5 143.3 13a Fed funds and RPs with banks 144.2 104.6 103.7 92.4 111.2 100.5 81.2 66.9 67.7 71.4 70.5 77.3 13b Other 116.6 59.3 63.1 64.8 65.5 66.7 66.4 67.7 66.9 67.4 66.1 66.0 14 Cash assets (5) 148.0 167.4 156.2 164.0 155.9 159.4 160.9 145.3 136.2 151.1 129.0 129.1 15 Other assets (6) 439.0 453.4 451.5 465.9 458.1 446.1 448.4 448.1 452.0 447.5 457.6 457.9 16 TOTAL ASSETS (7) 4,128.8 4,247.4 4,271.0 4,292.7 4,303.2 4,310.4 4,314.2 4,296.7 4,294.3 4,345.1 4,323.8 4,327.6 ------------------------------------------------- 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) August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,364.4 2,464.8 2,478.2 2,490.4 2,507.0 2,489.9 2,513.3 2,519.8 2,489.4 2,536.4 2,519.0 2,534.1 18 Transaction 307.8 324.0 318.6 330.2 319.1 311.0 324.5 301.6 318.3 270.6 269.7 308.4 19 Nontransaction 2,056.5 2,140.8 2,159.7 2,160.2 2,188.0 2,179.0 2,188.9 2,218.2 2,171.1 2,265.9 2,249.3 2,225.7 20 Large time 300.4 331.5 343.9 341.7 346.5 349.9 353.4 359.2 357.1 360.0 360.0 359.7 21 Other 1,756.2 1,809.3 1,815.8 1,818.5 1,841.5 1,829.0 1,835.4 1,859.0 1,814.0 1,905.9 1,889.3 1,866.0 22 Borrowings 775.3 714.5 733.1 746.8 756.5 760.9 764.5 743.8 749.6 748.7 757.5 746.5 23 From banks in the U.S. 225.1 159.2 163.4 154.4 167.0 152.9 149.6 133.5 140.6 136.7 128.6 129.6 24 From others 550.2 555.3 569.7 592.5 589.5 608.0 614.9 610.3 609.0 612.0 628.9 616.9 25 Net due to related foreign offices 215.5 257.8 245.3 241.3 224.3 247.9 225.3 229.5 252.4 252.2 250.9 240.0 26 Other liabilities 306.9 319.2 323.3 321.2 326.5 324.7 322.4 314.4 312.6 313.7 305.8 311.2 27 TOTAL LIABILITIES 3,662.1 3,756.3 3,780.0 3,799.7 3,814.3 3,823.4 3,825.5 3,807.5 3,803.9 3,851.0 3,833.2 3,831.7 28 Residual (assets less liabilities) (8) 466.7 491.0 491.0 493.0 488.9 487.0 488.7 489.2 490.4 494.0 490.6 495.9 ------------------------------------------------- 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 August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,624.6 2,722.5 2,755.5 2,813.8 2,842.1 2,864.1 2,888.5 2,906.5 2,909.6 2,917.6 2,919.2 2,921.8 2 Securities in bank credit 715.9 715.6 719.8 721.9 724.2 723.0 716.0 711.8 711.3 711.6 710.3 712.2 3 Treasury and Agency securities (2) 507.7 497.4 500.0 498.7 499.7 500.5 495.9 493.2 493.7 493.1 493.1 493.1 4 Other securities 208.2 218.2 219.8 223.2 224.5 222.6 220.1 218.6 217.6 218.5 217.2 219.2 5 Loans and leases in bank credit (3) 1,908.7 2,007.0 2,035.7 2,091.9 2,117.9 2,141.0 2,172.5 2,194.7 2,198.3 2,206.1 2,208.9 2,209.6 6 Commercial and industrial 308.0 329.5 331.7 336.0 339.4 342.6 345.3 350.8 353.2 352.9 352.2 353.0 7 Real estate 1,190.7 1,253.6 1,283.8 1,327.2 1,344.9 1,364.4 1,387.7 1,402.3 1,399.8 1,410.0 1,412.3 1,411.7 8 Revolving home equity 101.2 115.3 115.9 118.9 121.3 123.9 127.0 128.8 129.4 129.6 129.8 130.8 9 Other 1,089.5 1,138.3 1,167.9 1,208.4 1,223.6 1,240.5 1,260.7 1,273.5 1,270.4 1,280.4 1,282.5 1,280.9 10 Consumer 304.2 312.7 309.5 318.8 322.9 322.6 327.5 329.0 331.2 330.6 331.5 331.1 11 Security (4) 6.8 8.0 8.0 7.9 8.3 8.3 8.3 8.4 8.9 8.2 8.2 8.6 12 Other loans and leases 99.0 103.2 102.7 102.0 102.5 103.1 103.8 104.3 105.3 104.4 104.8 105.2 13 Interbank loans 73.6 79.8 80.0 75.7 70.4 73.1 69.9 70.1 76.9 71.5 67.5 73.9 14 Cash assets (5) 115.8 112.3 114.2 115.1 111.7 112.8 111.4 111.9 113.3 111.3 115.7 111.1 15 Other assets (6) 149.1 174.5 177.8 184.1 187.6 196.1 205.7 200.0 196.1 201.4 203.0 187.1 16 TOTAL ASSETS (7) 2,930.9 3,056.7 3,095.1 3,155.8 3,178.8 3,212.7 3,241.8 3,254.4 3,261.7 3,267.5 3,271.0 3,259.4 L I A B I L I T I E S 17 Deposits 2,235.4 2,340.4 2,365.0 2,390.7 2,407.5 2,417.1 2,427.7 2,457.3 2,466.4 2,469.9 2,466.5 2,470.1 18 Transaction 336.5 336.5 341.3 355.0 347.2 348.2 354.7 345.2 367.0 333.1 338.4 336.0 19 Nontransaction 1,898.9 2,003.8 2,023.6 2,035.7 2,060.3 2,068.9 2,073.0 2,112.1 2,099.4 2,136.8 2,128.0 2,134.2 20 Large time 329.8 362.7 369.9 379.2 387.4 392.4 394.8 402.0 402.7 405.3 405.5 405.6 21 Other 1,569.0 1,641.1 1,653.7 1,656.5 1,672.9 1,676.5 1,678.2 1,710.1 1,696.6 1,731.5 1,722.6 1,728.6 22 Borrowings 487.2 483.4 494.6 495.0 499.0 513.8 509.3 503.9 507.9 501.8 505.6 500.0 23 From banks in the U.S. 192.4 160.3 166.3 166.8 166.8 169.5 165.4 161.5 161.0 160.1 159.1 157.8 24 From others 294.8 323.1 328.4 328.2 332.2 344.3 343.9 342.4 346.9 341.6 346.5 342.2 25 Net due to related foreign offices 14.1 11.6 8.7 5.8 5.5 10.6 9.7 12.9 14.5 13.3 13.7 14.6 26 Other liabilities 74.0 73.0 69.2 72.9 71.8 72.5 75.4 73.2 73.4 73.4 73.9 75.6 27 TOTAL LIABILITIES 2,810.7 2,908.4 2,937.5 2,964.3 2,983.7 3,014.0 3,022.2 3,047.3 3,062.1 3,058.3 3,059.6 3,060.4 28 Residual (assets less liabilities) (8) 120.3 148.3 157.6 191.5 195.1 198.7 219.6 207.1 199.5 209.2 211.4 199.0 ------------------------------------------------- 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 August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,615.2 2,726.9 2,752.1 2,803.0 2,830.3 2,857.4 2,877.8 2,896.6 2,899.6 2,909.4 2,912.9 2,918.8 2 Securities in bank credit 713.7 715.7 717.6 723.3 726.4 722.6 716.1 709.7 709.3 709.1 708.8 709.7 3 Treasury and Agency securities (2) 505.5 497.5 497.9 500.1 501.9 500.1 496.0 491.1 491.7 490.6 491.5 490.5 4 Other securities 208.2 218.2 219.8 223.2 224.5 222.6 220.1 218.6 217.6 218.5 217.2 219.2 5 Loans and leases in bank credit (3) 1,901.5 2,011.3 2,034.5 2,079.7 2,103.9 2,134.7 2,161.7 2,186.9 2,190.3 2,200.3 2,204.2 2,209.1 6 Commercial and industrial 308.1 328.8 331.6 336.6 340.9 344.9 347.2 351.0 351.9 351.7 350.4 351.4 7 Real estate 1,186.0 1,254.4 1,283.2 1,320.0 1,335.7 1,359.7 1,378.9 1,396.8 1,395.7 1,406.6 1,410.9 1,411.9 8 Revolving home equity 101.3 114.9 115.6 118.2 121.0 124.0 127.3 129.0 129.5 129.8 130.0 131.1 9 Other 1,084.7 1,139.5 1,167.5 1,201.8 1,214.7 1,235.8 1,251.6 1,267.9 1,266.2 1,276.8 1,280.9 1,280.8 9b Other residential 443.5 443.4 460.3 477.7 483.0 495.9 502.9 510.2 506.0 515.6 518.3 516.5 9c Commercial 641.1 696.2 707.2 724.1 731.7 739.9 748.7 757.6 760.2 761.2 762.6 764.3 10 Consumer 300.2 319.2 311.4 314.4 317.7 319.5 322.8 324.9 328.0 327.0 327.8 329.6 10a Credit card and related plans 153.2 162.0 153.3 157.0 159.1 159.9 161.8 163.3 165.7 164.3 164.5 165.4 10h Other 147.0 157.3 158.1 157.4 158.6 159.6 161.0 161.6 162.3 162.6 163.3 164.1 11 Security (4) 6.8 7.7 8.0 8.1 8.3 8.1 8.3 8.4 8.6 8.5 8.4 8.8 12 Other loans and leases 100.4 101.1 100.3 100.5 101.3 102.4 104.4 105.7 106.1 106.5 106.6 107.5 13 Interbank loans 71.2 76.5 80.2 79.7 73.9 70.9 68.6 67.8 70.0 72.7 68.9 74.3 14 Cash assets (5) 115.9 113.4 112.2 110.4 108.9 111.9 110.9 112.0 109.3 113.1 110.8 110.1 15 Other assets (6) 149.1 174.5 177.8 184.1 187.6 196.1 205.7 200.0 196.1 201.4 203.0 187.1 16 TOTAL ASSETS (7) 2,919.3 3,058.9 3,090.0 3,144.3 3,167.7 3,202.8 3,229.2 3,242.2 3,240.8 3,262.2 3,261.2 3,255.9 L I A B I L I T I E S 17 Deposits 2,229.1 2,335.3 2,354.7 2,388.9 2,411.8 2,412.5 2,426.7 2,450.3 2,442.2 2,471.9 2,465.1 2,469.6 18 Transaction 336.3 340.4 336.8 350.7 348.0 343.9 350.4 344.9 362.4 336.2 331.7 332.3 19 Nontransaction 1,892.8 1,995.0 2,017.9 2,038.3 2,063.9 2,068.6 2,076.3 2,105.4 2,079.8 2,135.8 2,133.4 2,137.2 20 Large time 329.8 362.7 369.9 379.2 387.4 392.4 394.8 402.0 402.7 405.3 405.5 405.6 21 Other 1,562.9 1,632.3 1,648.0 1,659.1 1,676.5 1,676.2 1,681.5 1,703.4 1,677.0 1,730.5 1,728.0 1,731.7 22 Borrowings 487.2 483.4 494.6 495.0 499.0 513.8 509.3 503.9 507.9 501.8 505.6 500.0 23 From banks in the U.S. 192.4 160.3 166.3 166.8 166.8 169.5 165.4 161.5 161.0 160.1 159.1 157.8 24 From others 294.8 323.1 328.4 328.2 332.2 344.3 343.9 342.4 346.9 341.6 346.5 342.2 25 Net due to related foreign offices 14.1 11.6 8.7 5.8 5.5 10.6 9.7 12.9 14.5 13.3 13.7 14.6 26 Other liabilities 74.0 73.0 69.2 72.9 71.8 72.5 75.4 73.2 73.4 73.4 73.9 75.6 27 TOTAL LIABILITIES 2,804.3 2,903.4 2,927.3 2,962.6 2,988.1 3,009.4 3,021.2 3,040.4 3,038.0 3,060.4 3,058.3 3,059.8 28 Residual (assets less liabilities) (8) 114.9 155.5 162.8 181.7 179.7 193.4 208.1 201.8 202.9 201.9 202.9 196.1 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 11 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 650.0 673.4 697.5 704.9 704.7 722.2 730.9 743.2 747.9 752.4 755.8 761.1 2 Securities in bank credit 260.2 307.4 315.6 317.1 310.2 314.4 319.2 326.8 323.5 330.4 332.7 330.2 3 Treasury and Agency securities (2) 91.5 87.6 97.1 94.8 86.1 88.2 88.8 87.5 84.4 85.9 86.2 86.7 4 Other securities 168.8 219.8 218.6 222.2 224.0 226.2 230.4 239.3 239.1 244.5 246.5 243.5 5 Loans and leases in bank credit (3) 389.8 366.0 381.8 387.8 394.5 407.8 411.7 416.4 424.4 422.0 423.1 430.9 6 Commercial and industrial 132.3 143.7 145.5 145.2 150.7 155.0 154.5 161.8 164.7 164.2 164.7 166.5 7 Real estate 17.4 19.1 18.9 19.0 19.2 18.2 18.2 16.5 16.5 16.8 16.6 16.5 11 Security (4) 151.4 101.7 113.6 120.5 119.0 129.5 133.1 126.8 129.1 128.7 129.8 135.6 12 Other loans and leases 88.7 101.5 103.8 103.2 105.6 105.2 105.9 111.3 114.2 112.3 111.9 112.3 13 Interbank loans 38.0 45.3 41.7 43.0 45.0 47.9 49.1 50.4 45.8 58.7 46.6 47.2 14 Cash assets (5) 63.0 66.8 64.1 65.0 64.1 64.2 64.4 65.8 65.4 69.8 66.3 66.1 15 Other assets (6) 38.8 31.1 31.2 33.2 34.1 35.6 37.8 37.3 36.6 40.9 40.6 36.9 16 TOTAL ASSETS (7) 789.4 816.3 834.0 845.7 847.5 869.5 881.7 896.4 895.2 921.4 908.9 910.9 L I A B I L I T I E S 17 Deposits 549.9 564.6 553.3 561.0 589.0 587.4 601.8 582.2 589.7 595.1 607.1 629.9 18 Transaction 11.5 11.8 13.2 14.5 14.3 14.2 14.1 14.5 15.3 15.0 15.4 15.5 19 Nontransaction 538.4 552.8 540.2 546.5 574.6 573.2 587.7 567.7 574.4 580.1 591.7 614.4 22 Borrowings 331.5 349.5 362.7 367.5 360.7 366.5 358.5 364.5 370.4 387.1 377.9 393.3 23 From banks in the U.S. 41.0 40.1 44.1 43.8 44.3 39.8 44.8 41.1 40.7 49.8 41.1 49.4 24 From others 290.5 309.3 318.6 323.6 316.4 326.7 313.7 323.4 329.6 337.3 336.9 343.9 25 Net due to related foreign offices -183.7 -198.1 -185.8 -181.3 -203.2 -192.6 -183.4 -147.1 -164.1 -152.2 -173.4 -208.5 26 Other liabilities 86.5 92.1 96.1 91.5 93.4 93.0 97.9 94.0 88.3 93.9 97.4 94.4 27 TOTAL LIABILITIES 784.2 808.1 826.4 838.7 839.8 854.4 874.7 893.5 884.2 923.9 909.0 909.0 28 Residual (assets less liabilities) (8) 5.2 8.2 7.7 7.1 7.7 15.1 7.0 2.9 11.0 -2.4 -0.1 1.9 ------------------------------------------------- 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 August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 646.2 675.9 699.2 708.1 710.1 719.6 731.0 740.2 742.8 750.5 750.5 752.6 2 Securities in bank credit (2) 260.2 307.4 315.6 317.1 310.2 314.4 319.2 326.8 323.5 330.4 332.7 330.2 3 Treasury and Agency securities 91.5 87.6 97.1 94.8 86.1 88.2 88.8 87.5 84.4 85.9 86.2 86.7 3a Trading account 33.7 30.5 38.3 38.8 30.9 31.0 29.6 27.3 24.7 23.8 25.8 27.6 3b Investment account 57.8 57.0 58.8 56.0 55.3 57.2 59.1 60.2 59.7 62.1 60.3 59.1 4 Other securities 168.8 219.8 218.6 222.2 224.0 226.2 230.4 239.3 239.1 244.5 246.5 243.5 4a Trading account 103.8 115.4 116.5 124.2 127.8 130.6 133.5 134.1 133.1 135.9 137.9 136.1 4b Investment account 65.0 104.4 102.1 98.1 96.2 95.6 96.9 105.2 106.0 108.6 108.5 107.4 5 Loans and leases in bank credit (3) 386.0 368.4 383.5 391.0 399.9 405.3 411.8 413.4 419.4 420.1 417.9 422.3 6 Commercial and industrial 131.5 144.3 147.3 147.2 151.8 155.0 154.0 160.9 163.3 163.1 163.1 165.3 7 Real estate 17.4 19.1 18.9 19.0 19.2 18.2 18.2 16.5 16.5 16.8 16.6 16.5 11 Security (4) 147.3 104.7 115.7 121.9 122.2 126.3 132.1 123.4 125.2 126.5 125.2 127.1 12 Other loans and leases 89.7 100.4 101.6 102.9 106.8 105.8 107.5 112.5 114.4 113.7 112.9 113.5 13 Interbank loans 38.0 45.3 41.7 43.0 45.0 47.9 49.1 50.4 45.8 58.7 46.6 47.2 14 Cash assets (5) 62.4 66.3 63.2 62.9 63.5 63.6 63.9 65.2 64.6 69.9 65.9 66.3 15 Other assets (6) 37.6 33.2 32.9 33.2 32.8 36.2 37.8 36.2 35.5 40.2 40.3 36.6 16 TOTAL ASSETS (7) 783.8 820.3 836.6 846.8 851.0 866.9 881.4 891.6 888.4 918.9 903.0 902.2 L I A B I L I T I E S 17 Deposits 548.4 571.9 560.6 566.5 600.7 600.7 610.4 580.6 590.2 591.3 599.0 619.3 18 Transaction 11.5 12.1 13.2 14.0 14.0 13.9 14.0 14.5 15.1 15.0 15.1 15.5 19 Nontransaction 537.0 559.8 547.4 552.5 586.7 586.8 596.4 566.2 575.1 576.3 583.9 603.8 22 Borrowings 331.5 349.5 362.7 367.5 360.7 366.5 358.5 364.5 370.4 387.1 377.9 393.3 23 From banks in the U.S. 41.0 40.1 44.1 43.8 44.3 39.8 44.8 41.1 40.7 49.8 41.1 49.4 24 From others 290.5 309.3 318.6 323.6 316.4 326.7 313.7 323.4 329.6 337.3 336.9 343.9 25 Net due to related foreign offices -185.2 -197.3 -186.1 -182.0 -205.7 -194.8 -186.3 -149.1 -163.6 -154.7 -173.9 -207.9 26 Other liabilities 85.4 92.6 95.8 91.1 91.5 91.5 95.9 92.7 88.6 92.3 97.1 94.8 27 TOTAL LIABILITIES 780.0 816.8 833.0 843.1 847.3 864.1 878.5 888.8 885.5 916.0 900.1 899.4 28 Residual (assets less liabilities) (8) 3.7 3.6 3.6 3.7 3.7 2.9 2.9 2.9 2.9 2.9 2.9 2.9 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars August 26, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Jul Jan Feb Mar Apr May Jun Jul Jul 27 Aug 3 Aug 10 Aug 17 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 105.6 93.1 89.3 88.4 89.3 90.8 93.2 86.5 82.7 84.5 84.5 86.0 30 Reval. losses on off-bal. sheet items (9) 95.0 83.7 78.8 78.8 80.3 82.7 85.3 76.9 72.5 75.4 75.4 75.5 31 Mortgage-backed securities (10) 491.6 529.0 541.6 544.7 546.4 556.9 535.9 544.3 545.7 548.2 541.7 541.5 31a Pass-through 380.8 410.7 419.5 422.7 427.0 433.8 411.3 418.8 421.7 421.1 414.6 415.7 31b CMO, REMIC, and other 110.8 118.4 122.2 122.0 119.5 123.2 124.6 125.5 124.0 127.1 127.1 125.8 32 Net unrealized gains (losses) on available-for-sale securities (11) -3.9 3.9 1.5 -2.6 -3.6 0.7 1.9 -0.2 -0.9 -2.8 -3.8 -2.6 33 Securitized consumer loans (12) 150.8 158.6 155.8 148.8 147.6 149.7 151.8 152.6 151.6 152.8 153.4 153.0 33a Credit card and related plans 130.7 136.6 134.3 127.7 127.0 129.5 129.2 129.5 128.8 130.0 130.7 130.5 33b Other 20.0 22.0 21.6 21.0 20.6 20.1 22.6 23.1 22.8 22.8 22.7 22.6 35 Securitized business loans (12) 7.2 6.4 6.4 6.4 6.2 6.1 6.1 5.9 5.7 5.7 5.7 4.5 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 325.6 335.6 338.7 344.0 343.8 343.8 340.5 337.5 336.6 337.4 336.6 337.1 33 Securitized consumer loans (12) 215.1 224.9 211.2 213.9 213.4 212.3 212.9 212.2 210.5 210.2 207.5 208.6 33a Credit card and related plans 207.8 214.9 201.2 203.9 203.5 202.4 203.1 202.3 200.6 200.4 200.4 201.5 33b Other 7.3 10.0 10.0 10.0 9.9 9.9 9.9 9.8 9.9 9.8 7.1 7.1 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 58.5 54.5 53.7 52.4 52.4 53.3 54.6 55.0 54.0 54.3 56.3 55.7 30 Reval. losses on off-bal. sheet items (9) 60.6 61.9 64.8 63.0 62.6 61.9 63.5 62.5 61.1 60.6 61.8 60.4 34 Securitized business loans (12) 0.3 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Footnotes Page 14 August 26, 2005 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.