H.8 (510) ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) For use at 4:15 p.m. Eastern Time Seasonally adjusted, billions of dollars October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 6,702.7 7,084.3 7,111.9 7,166.3 7,220.9 7,275.1 7,350.3 7,395.7 7,406.3 7,393.9 7,396.8 7,422.4 2 Securities in bank credit 1,925.5 2,057.0 2,043.4 2,071.5 2,055.1 2,062.2 2,066.5 2,079.0 2,085.6 2,077.7 2,070.8 2,086.8 3 Treasury and Agency securities (2) 1,176.4 1,217.7 1,193.8 1,199.9 1,172.3 1,176.2 1,172.5 1,164.4 1,166.3 1,169.9 1,160.5 1,164.3 4 Other securities 749.1 839.2 849.7 871.6 882.8 886.1 894.0 914.6 919.3 907.8 910.3 922.5 5 Loans and leases in bank credit (3) 4,777.2 5,027.4 5,068.4 5,094.9 5,165.8 5,212.8 5,283.8 5,316.7 5,320.7 5,316.3 5,326.0 5,335.5 6 Commercial and industrial 908.2 963.3 977.0 988.1 993.6 1,007.9 1,016.9 1,025.1 1,030.9 1,032.9 1,036.2 1,037.0 7 Real estate 2,463.6 2,652.5 2,679.9 2,688.5 2,731.5 2,779.4 2,813.1 2,821.2 2,818.1 2,831.5 2,838.4 2,837.6 8 Revolving home equity 370.5 417.2 421.6 425.8 430.1 437.7 439.1 438.1 438.9 435.0 435.0 436.7 9 Other 2,093.1 2,235.4 2,258.3 2,262.7 2,301.5 2,341.6 2,374.0 2,383.1 2,379.3 2,396.4 2,403.4 2,400.8 10 Consumer 693.6 708.6 711.2 704.4 707.0 710.4 717.0 719.6 719.8 708.1 705.0 705.3 11 Security (4) 247.5 226.5 224.3 237.5 248.7 232.7 245.2 246.2 239.0 236.9 235.1 242.2 12 Other loans and leases 464.2 476.5 476.1 476.5 485.0 482.5 491.7 504.7 512.8 506.8 511.3 513.4 13 Interbank loans 375.5 276.2 287.8 287.8 268.7 260.9 275.9 283.7 288.7 270.1 285.9 270.4 14 Cash assets (5) 325.1 350.2 332.4 339.6 343.8 327.5 324.1 327.3 321.7 316.1 333.3 315.8 15 Other assets (6) 641.1 691.2 679.5 677.5 694.2 680.5 688.4 697.7 701.9 687.9 718.0 701.5 16 TOTAL ASSETS (7) 7,972.9 8,333.6 8,343.5 8,403.3 8,459.8 8,476.2 8,570.7 8,635.9 8,649.8 8,599.9 8,665.7 8,641.6 L I A B I L I T I E S 17 Deposits 5,202.9 5,451.2 5,500.0 5,517.1 5,561.7 5,583.4 5,655.1 5,683.5 5,678.7 5,679.7 5,718.8 5,683.3 18 Transaction 683.4 704.6 674.3 677.6 694.9 661.5 685.8 671.7 726.0 626.2 628.8 657.9 19 Nontransaction 4,519.5 4,746.6 4,825.7 4,839.5 4,866.8 4,921.9 4,969.3 5,011.8 4,952.7 5,053.5 5,090.0 5,025.3 20 Large time 1,160.6 1,247.1 1,293.7 1,299.4 1,321.0 1,318.9 1,364.9 1,387.4 1,396.5 1,404.6 1,410.1 1,403.2 21 Other 3,358.9 3,499.6 3,532.0 3,540.1 3,545.8 3,603.1 3,604.4 3,624.4 3,556.2 3,648.9 3,679.9 3,622.1 22 Borrowings 1,610.6 1,618.9 1,612.7 1,628.3 1,628.1 1,620.0 1,667.6 1,674.3 1,690.9 1,645.3 1,661.4 1,654.5 23 From banks in the U.S. 460.2 369.3 380.5 369.7 369.3 347.3 350.3 354.6 358.9 336.1 334.9 344.8 24 From others 1,150.4 1,249.6 1,232.3 1,258.6 1,258.8 1,272.7 1,317.3 1,319.7 1,331.9 1,309.2 1,326.4 1,309.7 25 Net due to related foreign offices 45.8 74.6 40.4 64.6 46.7 94.3 63.3 66.2 72.4 80.1 88.3 101.0 26 Other liabilities 484.9 494.9 510.5 492.4 497.1 487.8 484.2 499.4 503.3 482.9 496.4 511.6 27 TOTAL LIABILITIES 7,344.2 7,639.7 7,663.7 7,702.4 7,733.6 7,785.6 7,870.2 7,923.4 7,945.2 7,888.0 7,964.9 7,950.4 28 Residual (assets less liabilities) (8) 628.7 693.9 679.8 701.0 726.3 690.7 700.5 712.5 704.6 711.9 700.7 691.2 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 2 ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, billions of dollars October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 6,702.9 7,050.4 7,091.3 7,158.0 7,215.1 7,255.9 7,336.0 7,397.8 7,409.5 7,395.4 7,400.9 7,435.0 2 Securities in bank credit 1,921.3 2,047.7 2,039.4 2,074.9 2,056.8 2,056.3 2,064.9 2,075.6 2,080.3 2,074.8 2,064.5 2,080.2 3 Treasury and Agency securities (2) 1,169.2 1,213.0 1,196.9 1,208.2 1,176.1 1,174.7 1,168.7 1,157.5 1,158.2 1,161.6 1,150.9 1,156.4 4 Other securities 752.1 834.6 842.5 866.8 880.8 881.6 896.2 918.0 922.1 913.2 913.5 923.8 5 Loans and leases in bank credit (3) 4,781.6 5,002.8 5,051.9 5,083.1 5,158.3 5,199.7 5,271.1 5,322.2 5,329.2 5,320.6 5,336.4 5,354.8 6 Commercial and industrial 905.2 966.3 981.8 992.4 996.4 1,006.4 1,011.5 1,021.5 1,028.8 1,032.2 1,033.5 1,035.7 7 Real estate 2,470.8 2,637.1 2,667.7 2,688.2 2,725.6 2,774.1 2,814.9 2,829.3 2,825.2 2,837.3 2,848.3 2,845.8 8 Revolving home equity 372.1 414.1 420.2 426.7 431.5 438.6 440.5 440.0 440.7 436.1 436.3 438.1 9 Other 2,098.8 2,223.0 2,247.5 2,261.5 2,294.0 2,335.5 2,374.4 2,389.4 2,384.5 2,401.2 2,412.0 2,407.7 10 Consumer 695.0 702.1 702.7 698.5 699.8 702.9 713.6 721.0 722.7 708.1 705.7 708.7 10a Credit card and related plans 300.6 303.3 305.0 303.1 306.5 308.0 308.6 311.2 313.3 299.8 298.1 300.4 10b Other 394.4 398.8 397.7 395.3 393.3 394.9 405.0 409.8 409.4 408.2 407.6 408.3 11 Security (4) 242.6 225.5 225.9 229.4 248.7 229.7 237.6 241.5 235.0 230.1 234.6 246.7 12 Other loans and leases 468.0 471.8 473.9 474.6 487.9 486.5 493.5 508.8 517.5 512.9 514.4 517.9 13 Interbank loans 367.6 279.7 296.1 288.3 269.2 257.8 275.5 278.3 277.3 268.3 281.1 266.1 14 Cash assets (5) 326.9 337.0 327.9 334.3 335.4 322.1 314.5 329.1 321.3 315.6 352.8 325.6 15 Other assets (6) 643.4 686.5 677.8 677.2 690.3 681.7 690.5 700.5 706.7 696.8 721.3 701.8 16 TOTAL ASSETS (7) 7,969.2 8,285.0 8,325.1 8,389.8 8,442.2 8,449.9 8,548.4 8,637.1 8,646.4 8,608.3 8,688.2 8,660.7 L I A B I L I T I E S 17 Deposits 5,193.3 5,444.5 5,519.3 5,508.4 5,562.9 5,567.3 5,632.6 5,673.1 5,643.5 5,695.2 5,733.1 5,673.5 18 Transaction 675.2 695.2 681.0 668.0 687.5 659.0 667.2 663.7 717.2 622.5 637.6 659.1 19 Nontransaction 4,518.1 4,749.3 4,838.2 4,840.4 4,875.5 4,908.3 4,965.5 5,009.3 4,926.3 5,072.8 5,095.5 5,014.4 20 Large time 1,149.5 1,250.4 1,300.2 1,309.1 1,328.7 1,315.5 1,356.1 1,374.1 1,382.8 1,390.8 1,390.5 1,380.4 21 Other 3,368.6 3,499.0 3,538.0 3,531.3 3,546.8 3,592.8 3,609.4 3,635.2 3,543.5 3,682.0 3,705.1 3,634.0 22 Borrowings 1,614.5 1,606.8 1,619.3 1,646.6 1,639.8 1,621.5 1,662.0 1,678.5 1,698.1 1,643.6 1,655.6 1,654.8 23 From banks in the U.S. 460.6 370.5 384.9 370.3 368.8 347.2 351.9 354.9 357.9 336.3 336.0 345.4 24 From others 1,153.9 1,236.3 1,234.4 1,276.2 1,271.0 1,274.4 1,310.1 1,323.6 1,340.2 1,307.3 1,319.5 1,309.4 25 Net due to related foreign offices 49.7 67.8 23.7 60.3 42.3 85.6 63.2 70.7 82.7 80.8 90.1 106.0 26 Other liabilities 489.5 486.5 489.0 487.8 492.6 478.6 484.1 504.3 514.2 483.8 498.0 516.7 27 TOTAL LIABILITIES 7,347.0 7,605.7 7,651.3 7,703.0 7,737.5 7,753.0 7,841.9 7,926.6 7,938.4 7,903.5 7,976.7 7,951.0 28 Residual (assets less liabilities) (8) 622.2 679.3 673.8 686.8 704.7 696.9 706.5 710.5 708.0 704.9 711.5 709.7 ------------------------------------------------- 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 October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 6,050.4 6,381.3 6,405.5 6,441.7 6,487.8 6,529.6 6,579.2 6,608.6 6,622.0 6,607.1 6,609.3 6,610.7 2 Securities in bank credit 1,662.7 1,740.7 1,734.0 1,757.3 1,736.4 1,736.1 1,732.1 1,727.6 1,730.9 1,724.6 1,715.3 1,719.5 3 Treasury and Agency securities (2) 1,085.0 1,124.3 1,108.2 1,112.9 1,085.3 1,090.3 1,087.4 1,078.8 1,083.1 1,086.9 1,077.6 1,081.0 4 Other securities 577.8 616.5 625.7 644.4 651.1 645.8 644.6 648.8 647.8 637.7 637.7 638.5 5 Loans and leases in bank credit (3) 4,387.6 4,640.5 4,671.5 4,684.4 4,751.3 4,793.5 4,847.1 4,881.0 4,891.1 4,882.6 4,894.0 4,891.2 6 Commercial and industrial 774.8 817.7 825.3 833.3 839.8 847.2 852.3 860.8 866.7 869.1 870.8 871.1 7 Real estate 2,446.6 2,634.5 2,661.4 2,670.1 2,713.1 2,762.5 2,796.4 2,804.7 2,801.7 2,814.9 2,821.9 2,820.6 8 Revolving home equity 370.5 417.2 421.6 425.8 430.1 437.7 439.1 438.1 438.9 435.0 435.0 436.7 9 Other 2,076.1 2,217.3 2,239.8 2,244.4 2,283.0 2,324.8 2,357.3 2,366.6 2,362.8 2,379.9 2,386.9 2,383.8 10 Consumer 693.6 708.6 711.2 704.4 707.0 710.4 717.0 719.6 719.8 708.1 705.0 705.3 11 Security (4) 99.0 108.0 104.9 106.9 113.8 103.6 103.4 107.9 105.4 101.2 101.6 99.1 12 Other loans and leases 373.6 371.8 368.7 369.7 377.7 369.8 378.0 388.0 397.6 389.1 394.7 395.2 13 Interbank loans 333.6 233.3 242.9 239.6 219.0 209.8 227.0 233.5 232.4 225.0 233.7 226.0 14 Cash assets (5) 263.8 285.4 269.3 278.0 283.8 267.1 262.8 267.4 263.4 258.9 274.5 260.6 15 Other assets (6) 599.8 656.4 645.6 642.4 657.2 644.1 651.7 657.5 660.2 648.8 674.2 660.2 16 TOTAL ASSETS (7) 7,176.4 7,488.4 7,495.6 7,534.2 7,580.4 7,583.1 7,653.1 7,699.0 7,709.7 7,672.2 7,723.6 7,689.5 L I A B I L I T I E S 17 Deposits 4,665.2 4,889.7 4,911.0 4,929.7 4,959.6 5,001.2 5,026.2 5,046.6 5,042.9 5,038.4 5,073.9 5,034.5 18 Transaction 672.3 689.9 660.2 664.7 683.0 649.8 673.4 659.7 714.2 614.3 617.1 646.2 19 Nontransaction 3,992.9 4,199.8 4,250.8 4,265.0 4,276.6 4,351.4 4,352.8 4,386.9 4,328.7 4,424.0 4,456.9 4,388.3 20 Large time 650.3 721.0 736.6 745.5 752.1 768.8 771.1 788.3 800.7 800.4 800.7 790.6 21 Other 3,342.6 3,478.8 3,514.2 3,519.5 3,524.5 3,582.5 3,581.7 3,598.6 3,527.9 3,623.6 3,656.2 3,597.7 22 Borrowings 1,278.3 1,253.9 1,249.6 1,258.7 1,266.1 1,251.7 1,278.8 1,289.9 1,313.2 1,266.6 1,271.1 1,278.9 23 From banks in the U.S. 409.0 318.9 329.8 323.6 318.4 299.1 297.6 304.6 304.2 289.1 287.4 297.6 24 From others 869.3 935.0 919.8 935.1 947.8 952.6 981.2 985.3 1,008.9 977.5 983.7 981.3 25 Net due to related foreign offices 211.4 255.4 244.8 261.2 237.0 249.7 263.6 258.6 262.5 277.0 282.3 278.9 26 Other liabilities 397.7 401.6 417.1 398.9 398.4 392.8 388.0 393.2 393.2 377.5 387.2 391.6 27 TOTAL LIABILITIES 6,552.6 6,800.6 6,822.6 6,848.6 6,861.2 6,895.4 6,956.6 6,988.3 7,011.7 6,959.5 7,014.5 6,984.0 28 Residual (assets less liabilities) (8) 623.8 687.8 673.0 685.7 719.2 687.7 696.5 710.7 697.9 712.7 709.1 705.5 ------------------------------------------------- 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 October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 6,057.6 6,344.2 6,379.5 6,435.9 6,481.8 6,513.5 6,573.8 6,617.5 6,629.6 6,618.7 6,619.7 6,627.5 2 Securities in bank credit 1,658.6 1,731.4 1,730.0 1,760.7 1,738.1 1,730.1 1,730.5 1,724.2 1,725.7 1,721.7 1,708.9 1,712.9 3 Treasury and Agency securities (2) 1,077.8 1,119.6 1,111.4 1,121.2 1,089.1 1,088.8 1,083.6 1,071.9 1,075.0 1,078.5 1,068.1 1,073.1 4 Other securities 580.7 611.8 618.5 639.6 649.0 641.3 646.9 652.3 650.6 643.1 640.9 639.7 5 Loans and leases in bank credit (3) 4,399.1 4,612.7 4,649.5 4,675.2 4,743.6 4,783.4 4,843.4 4,893.4 4,904.0 4,897.1 4,910.8 4,914.7 6 Commercial and industrial 773.0 818.7 829.0 837.6 843.0 846.7 848.6 858.9 865.5 870.2 870.6 872.1 7 Real estate 2,453.8 2,619.0 2,649.2 2,669.9 2,707.1 2,757.3 2,798.2 2,812.9 2,808.8 2,820.8 2,831.8 2,828.8 8 Revolving home equity 372.1 414.1 420.2 426.7 431.5 438.6 440.5 440.0 440.7 436.1 436.3 438.1 9 Other 2,081.7 2,205.0 2,229.0 2,243.2 2,275.6 2,318.7 2,357.7 2,372.9 2,368.1 2,384.6 2,395.5 2,390.7 9a Other residential 1,056.5 1,103.6 1,116.7 1,116.7 1,133.9 1,160.9 1,187.9 1,191.2 1,181.4 1,196.2 1,203.2 1,198.0 9b Commercial 1,025.2 1,101.3 1,112.2 1,126.5 1,141.7 1,157.8 1,169.8 1,181.7 1,186.6 1,188.5 1,192.4 1,192.6 10 Consumer 695.0 702.1 702.7 698.5 699.8 702.9 713.6 721.0 722.7 708.1 705.7 708.7 10a Credit card and related plans 300.6 303.3 305.0 303.1 306.5 308.0 308.6 311.2 313.3 299.8 298.1 300.4 10d Other 394.4 398.8 397.7 395.3 393.3 394.9 405.0 409.8 409.4 408.2 407.6 408.3 11 Security (4) 100.5 105.5 103.3 102.0 114.9 104.1 104.3 109.3 105.7 102.8 104.2 105.3 12 Other loans and leases 376.7 367.4 365.3 367.2 378.8 372.5 378.6 391.2 401.2 395.3 398.5 399.7 13 Interbank loans 325.7 236.9 251.2 240.1 219.6 206.7 226.6 228.1 221.0 223.3 228.9 221.8 14 Cash assets (5) 264.4 274.3 265.3 273.3 275.8 262.3 253.1 268.1 260.3 257.3 293.0 269.0 15 Other assets (6) 603.7 651.6 645.3 641.5 653.3 646.3 654.2 662.0 666.7 659.5 678.7 661.8 16 TOTAL ASSETS (7) 7,180.3 7,438.7 7,473.6 7,523.3 7,563.0 7,561.6 7,640.1 7,707.5 7,709.6 7,691.3 7,753.0 7,712.7 L I A B I L I T I E S 17 Deposits 4,665.4 4,877.5 4,918.5 4,907.5 4,952.2 4,986.6 5,012.6 5,047.7 5,015.5 5,070.0 5,110.6 5,050.1 18 Transaction 664.1 681.0 667.2 655.3 675.7 647.3 654.9 651.5 704.6 610.7 625.9 647.1 19 Nontransaction 4,001.3 4,196.5 4,251.3 4,252.3 4,276.6 4,339.3 4,357.6 4,396.2 4,310.9 4,459.4 4,484.7 4,403.0 20 Large time 648.7 718.6 731.5 742.1 751.4 766.9 770.7 786.2 795.3 802.1 802.6 792.5 21 Other 3,352.6 3,478.0 3,519.8 3,510.1 3,525.2 3,572.3 3,586.9 3,610.0 3,515.6 3,657.3 3,682.2 3,610.5 22 Borrowings 1,282.2 1,241.8 1,256.2 1,277.0 1,277.8 1,253.1 1,273.2 1,294.1 1,320.4 1,265.0 1,265.3 1,279.2 23 From banks in the U.S. 409.4 320.1 334.3 324.2 317.8 298.9 299.2 304.8 303.2 289.3 288.5 298.2 24 From others 872.8 921.8 921.9 952.8 960.0 954.2 974.0 989.2 1,017.2 975.7 976.8 981.0 25 Net due to related foreign offices 213.6 249.2 230.5 259.0 235.3 242.9 263.0 261.3 268.2 276.8 281.6 281.6 26 Other liabilities 401.3 393.7 397.5 395.8 395.9 384.8 387.6 396.8 400.4 377.5 386.7 394.8 27 TOTAL LIABILITIES 6,562.5 6,762.2 6,802.7 6,839.3 6,861.2 6,867.5 6,936.3 6,999.9 7,004.4 6,989.3 7,044.3 7,005.8 28 Residual (assets less liabilities) (8) 617.8 676.5 671.0 684.0 701.8 694.1 703.7 707.7 705.2 702.1 708.7 706.9 ------------------------------------------------- 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 October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,396.9 3,574.3 3,563.5 3,570.2 3,588.8 3,608.9 3,640.4 3,663.6 3,680.5 3,675.4 3,683.0 3,677.2 2 Securities in bank credit 956.0 1,024.8 1,011.0 1,031.4 1,019.4 1,021.6 1,016.3 1,016.0 1,027.2 1,022.3 1,015.1 1,018.4 3 Treasury and Agency securities (2) 587.6 632.7 611.0 611.5 591.2 597.7 594.2 588.3 596.6 598.7 592.3 595.0 3a Trading account 48.1 52.1 47.8 53.9 51.0 49.4 46.7 36.8 37.2 42.4 37.0 42.4 3b Investment account 539.5 580.6 563.1 557.6 540.2 548.3 547.4 551.5 559.4 556.3 555.3 552.6 3c Mortgage-backed 429.6 472.7 464.4 458.3 440.8 449.0 447.6 449.6 453.9 452.4 448.5 447.1 3b Other 109.9 107.9 98.8 99.3 99.3 99.3 99.8 101.9 105.5 103.9 106.8 105.5 4 Other securities 368.4 392.1 400.0 419.9 428.3 423.9 422.2 427.7 430.6 423.6 422.7 423.4 4a Trading account 201.1 204.9 208.1 218.7 224.0 214.9 211.9 213.2 216.8 207.0 204.3 204.6 4b Investment account 167.3 187.2 192.0 201.1 204.3 209.0 210.3 214.5 213.8 216.6 218.5 218.8 4c State and local government 33.3 35.2 36.1 36.8 36.6 37.6 37.8 38.1 38.1 37.6 37.7 37.6 4d Other 133.9 152.0 155.9 164.3 167.7 171.4 172.5 176.4 175.7 179.0 180.8 181.2 5 Loans and leases in bank credit (3) 2,440.9 2,549.5 2,552.6 2,538.8 2,569.4 2,587.3 2,624.0 2,647.6 2,653.3 2,653.1 2,667.9 2,658.8 6 Commercial and industrial 458.6 481.8 485.5 489.2 492.2 493.0 495.3 500.2 504.9 506.8 508.9 508.9 7 Real estate 1,231.5 1,307.7 1,315.5 1,302.4 1,318.2 1,352.0 1,375.8 1,381.5 1,378.8 1,388.8 1,396.9 1,388.2 8 Revolving home equity 262.6 297.3 298.9 299.8 300.1 303.1 303.5 303.5 304.5 304.1 304.1 305.5 9 Other 968.8 1,010.4 1,016.6 1,002.6 1,018.0 1,048.9 1,072.2 1,078.0 1,074.2 1,084.8 1,092.8 1,082.7 9a Other residential 608.6 634.2 639.0 623.1 634.0 658.1 677.0 678.8 671.8 682.7 689.8 680.7 9b Commercial 360.2 376.2 377.6 379.5 384.0 390.8 395.2 399.2 402.5 402.0 403.0 402.0 10 Consumer 386.6 390.0 388.6 382.0 380.0 381.9 385.7 386.8 385.1 382.9 382.9 384.4 11 Security (4) 91.8 100.0 96.6 98.4 105.1 94.6 94.3 98.3 95.2 91.8 91.9 89.3 11a Fed funds and RPs with broker/dealer 71.7 77.3 81.5 82.7 89.4 79.6 78.6 82.2 79.3 75.4 75.0 73.4 11b Other 20.2 22.7 15.0 15.7 15.7 15.0 15.7 16.2 16.0 16.4 16.9 15.9 12a State and local government 16.3 16.8 17.0 17.0 16.8 17.0 17.6 18.2 18.5 18.4 18.5 18.4 12b Agricultural 9.3 9.2 9.2 9.1 9.1 9.1 9.2 9.4 9.5 9.5 9.6 9.7 12c Fed funds and RPs with others 29.9 28.1 22.1 20.6 26.2 21.2 24.7 28.3 36.5 31.9 36.2 39.3 12d All other loans 122.8 120.5 124.5 127.5 129.4 125.7 128.9 132.5 132.5 131.1 131.1 129.2 12e Lease financing receivables 94.0 95.4 93.7 92.7 92.6 92.8 92.6 92.5 92.3 92.0 92.0 91.5 13 Interbank loans 258.6 157.7 171.9 164.4 145.7 135.3 150.0 155.0 149.0 145.1 152.5 144.5 13a Fed funds and RPs with banks 141.9 92.7 108.2 98.9 80.1 67.3 83.8 88.9 84.2 80.8 87.4 79.8 13b Other 116.7 65.1 63.7 65.5 65.6 68.1 66.2 66.1 64.8 64.3 65.1 64.7 14 Cash assets (5) 147.8 170.4 157.1 163.2 168.3 150.3 144.1 146.7 143.9 140.4 150.0 133.7 15 Other assets (6) 440.5 472.0 458.6 447.1 452.4 446.1 453.5 455.7 458.2 450.0 468.6 471.9 16 TOTAL ASSETS (7) 4,205.5 4,339.3 4,316.2 4,310.5 4,320.9 4,306.5 4,354.2 4,386.9 4,397.4 4,376.7 4,419.5 4,392.9 ------------------------------------------------- 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) October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,397.5 2,498.6 2,501.6 2,505.2 2,518.8 2,527.9 2,536.2 2,543.3 2,532.1 2,540.4 2,566.9 2,530.2 18 Transaction 330.0 335.0 313.0 316.3 327.7 304.0 316.6 311.1 342.9 280.5 282.0 309.0 19 Nontransaction 2,067.5 2,163.5 2,188.6 2,188.9 2,191.1 2,223.9 2,219.7 2,232.3 2,189.2 2,259.9 2,284.8 2,221.2 20 Large time 306.9 341.5 348.6 350.6 352.8 361.2 358.2 372.4 380.2 380.3 379.8 369.9 21 Other 1,760.6 1,822.0 1,840.0 1,838.3 1,838.2 1,862.7 1,861.5 1,859.9 1,809.0 1,879.6 1,905.0 1,851.3 22 Borrowings 796.0 758.9 750.0 742.7 752.9 742.4 767.9 772.9 790.5 768.3 770.7 773.5 23 From banks in the U.S. 220.6 153.1 162.6 152.3 150.2 133.7 134.7 139.4 137.3 132.4 128.3 133.0 24 From others 575.4 605.8 587.4 590.3 602.7 608.7 633.1 633.4 653.3 635.9 642.4 640.6 25 Net due to related foreign offices 200.2 249.4 239.1 250.4 227.0 236.3 249.5 245.4 248.7 261.8 265.3 261.5 26 Other liabilities 321.5 329.1 346.1 327.8 324.9 321.9 315.8 320.7 321.0 306.6 315.8 321.8 27 TOTAL LIABILITIES 3,715.2 3,836.0 3,836.8 3,826.0 3,823.6 3,828.5 3,869.4 3,882.2 3,892.3 3,877.1 3,918.7 3,887.0 28 Residual (assets less liabilities) (8) 490.2 503.4 479.4 484.4 497.2 478.0 484.7 504.6 505.1 499.6 500.8 505.8 ------------------------------------------------- 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 October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 3,401.7 3,542.2 3,547.9 3,572.8 3,592.4 3,602.7 3,639.6 3,669.3 3,681.3 3,684.6 3,684.3 3,684.0 2 Securities in bank credit 955.1 1,008.3 1,003.4 1,037.0 1,019.9 1,017.6 1,018.0 1,015.6 1,023.2 1,021.9 1,009.1 1,012.9 3 Treasury and Agency securities (2) 583.8 620.8 610.6 621.9 593.7 598.3 593.6 584.5 589.7 592.9 583.1 588.2 3a Trading account 47.5 51.7 48.1 54.7 51.4 49.2 46.5 36.4 36.4 41.6 36.0 41.4 3b Investment account 536.2 569.2 562.4 567.2 542.3 549.0 547.1 548.1 553.4 551.3 547.2 546.8 3c Mortgage-backed 427.5 462.3 463.0 466.4 442.3 450.0 447.6 447.3 450.1 449.3 443.4 444.0 3d Other 108.8 106.9 99.4 100.8 100.0 99.0 99.5 100.8 103.2 102.0 103.7 102.8 4 Other securities 371.4 387.5 392.8 415.0 426.2 419.3 424.4 431.1 433.5 429.0 426.0 424.7 4a Trading account 202.7 202.5 204.3 216.2 222.9 212.6 213.0 214.9 218.2 209.6 205.8 205.2 4b Investment account 168.6 185.0 188.5 198.8 203.3 206.7 211.4 216.2 215.2 219.4 220.1 219.5 4c State and local government 33.6 34.8 35.4 36.4 36.4 37.2 38.0 38.4 38.4 38.1 38.0 37.7 4d Other 135.0 150.2 153.1 162.4 166.9 169.6 173.4 177.9 176.8 181.3 182.2 181.8 5 Loans and leases in bank credit (3) 2,446.5 2,533.9 2,544.5 2,535.9 2,572.5 2,585.1 2,621.6 2,653.7 2,658.2 2,662.7 2,675.2 2,671.1 6 Commercial and industrial 458.8 482.2 487.6 491.2 493.6 492.2 493.6 500.4 505.4 509.4 509.5 510.4 7 Real estate 1,233.2 1,299.4 1,312.5 1,306.8 1,321.0 1,352.2 1,377.3 1,383.5 1,378.4 1,390.1 1,399.2 1,388.8 8 Revolving home equity 263.6 294.8 297.9 300.6 301.3 303.8 304.7 304.5 305.2 304.6 304.5 306.1 9 Other 969.6 1,004.6 1,014.5 1,006.2 1,019.7 1,048.5 1,072.6 1,078.9 1,073.1 1,085.5 1,094.7 1,082.7 9a Other residential 609.1 630.5 637.7 625.4 635.1 657.8 677.3 679.4 671.1 683.2 691.1 680.7 9b Commercial 360.5 374.1 376.9 380.8 384.6 390.7 395.3 399.5 402.1 402.3 403.7 402.0 10 Consumer 387.5 387.8 385.2 379.3 377.4 378.4 384.0 387.7 386.7 383.0 382.5 384.9 10a Credit card and related plans 142.7 146.4 146.0 143.3 144.7 144.7 142.8 143.2 142.8 140.1 140.2 141.7 10f Other 244.8 241.4 239.2 235.9 232.7 233.7 241.1 244.6 243.9 242.9 242.3 243.2 11 Security (4) 93.4 97.4 95.0 93.6 106.1 95.1 95.1 99.9 96.1 93.3 94.5 95.6 11a Fed funds and RPs with broker/dealer 72.9 75.3 80.2 78.7 90.3 80.0 79.3 83.4 80.0 76.6 77.1 78.6 11b Other 20.5 22.1 14.8 14.9 15.8 15.1 15.8 16.5 16.1 16.7 17.4 17.0 12a State and local government 16.3 16.8 17.0 17.0 16.8 17.0 17.6 18.2 18.5 18.4 18.5 18.4 12b Agricultural 9.3 9.1 9.1 9.1 9.1 9.2 9.2 9.4 9.5 9.5 9.5 9.6 12c Fed funds and RPs with others 29.9 28.1 22.1 20.6 26.2 21.2 24.7 28.3 36.5 31.9 36.2 39.3 12d All other loans 124.1 118.0 122.6 125.8 130.0 127.1 127.6 133.9 134.6 134.3 132.6 132.1 12e Lease financing receivables 94.0 95.1 93.6 92.6 92.4 92.6 92.5 92.5 92.5 92.8 92.7 92.0 13 Interbank loans 252.1 157.2 176.7 167.2 147.6 134.7 150.1 151.0 144.5 140.5 145.7 139.5 13a Fed funds and RPs with banks 138.4 92.4 111.2 100.5 81.2 67.0 83.8 86.6 81.7 78.3 83.5 77.0 13b Other 113.7 64.8 65.5 66.7 66.4 67.7 66.3 64.4 62.8 62.2 62.2 62.5 14 Cash assets (5) 147.1 164.1 155.9 159.5 161.0 145.4 136.3 146.0 141.6 137.6 160.9 140.5 15 Other assets (6) 444.4 467.3 458.2 446.2 448.5 448.3 456.0 460.2 464.8 460.7 473.1 473.5 16 TOTAL ASSETS (7) 4,206.9 4,295.2 4,304.0 4,311.2 4,315.0 4,297.2 4,348.0 4,392.3 4,398.3 4,389.4 4,430.1 4,403.6 ------------------------------------------------- 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) October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- L I A B I L I T I E S 17 Deposits 2,398.8 2,488.1 2,504.7 2,487.6 2,512.4 2,520.3 2,526.6 2,545.6 2,520.0 2,564.7 2,592.3 2,544.3 18 Transaction 323.4 330.4 319.2 311.1 324.6 301.8 302.3 304.7 337.7 275.9 285.4 308.7 19 Nontransaction 2,075.4 2,157.7 2,185.5 2,176.5 2,187.8 2,218.5 2,224.2 2,241.0 2,182.3 2,288.8 2,306.9 2,235.5 20 Large time 305.3 339.0 343.4 347.2 352.2 359.3 357.7 370.4 374.8 382.0 381.6 371.8 21 Other 1,770.1 1,818.7 1,842.1 1,829.3 1,835.6 1,859.2 1,866.5 1,870.6 1,807.5 1,906.8 1,925.3 1,863.7 22 Borrowings 800.0 746.8 756.6 760.9 764.6 743.9 762.3 777.1 797.8 766.6 764.8 773.8 23 From banks in the U.S. 221.1 154.3 167.0 152.9 149.6 133.6 136.3 139.7 136.2 132.6 129.4 133.6 24 From others 578.8 592.5 589.6 608.0 614.9 610.3 626.0 637.4 661.6 634.0 635.4 640.3 25 Net due to related foreign offices 202.5 243.2 224.8 248.1 225.3 229.5 248.9 248.1 254.4 261.6 264.7 264.2 26 Other liabilities 325.0 321.2 326.5 324.7 322.3 313.9 315.4 324.2 328.2 306.6 315.4 325.0 27 TOTAL LIABILITIES 3,726.3 3,799.3 3,812.6 3,821.4 3,824.6 3,807.6 3,853.2 3,895.0 3,900.3 3,899.5 3,937.2 3,907.3 28 Residual (assets less liabilities) (8) 480.6 495.9 491.5 489.8 490.4 489.6 494.8 497.3 497.9 490.0 492.9 496.2 ------------------------------------------------- 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 October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,650.4 2,812.7 2,843.3 2,869.7 2,900.1 2,920.7 2,937.1 2,942.3 2,940.3 2,931.5 2,926.9 2,934.4 2 Securities in bank credit 703.7 721.7 724.4 724.2 718.1 714.6 714.1 708.8 702.5 702.0 700.9 702.0 3 Treasury and Agency securities (2) 494.4 497.3 498.6 499.6 495.3 492.6 491.6 487.7 485.3 487.9 486.0 487.0 4 Other securities 209.4 224.3 225.7 224.5 222.8 221.9 222.5 221.1 217.2 214.1 214.9 215.0 5 Loans and leases in bank credit (3) 1,946.7 2,091.1 2,119.0 2,145.6 2,182.0 2,206.2 2,223.1 2,233.4 2,237.8 2,229.5 2,226.0 2,232.4 6 Commercial and industrial 316.1 335.9 339.9 344.1 347.6 354.2 356.9 360.6 361.7 362.4 361.9 362.2 7 Real estate 1,215.1 1,326.8 1,345.9 1,367.8 1,394.9 1,410.5 1,420.6 1,423.2 1,422.9 1,426.1 1,425.0 1,432.3 8 Revolving home equity 107.8 119.9 122.7 126.0 129.9 134.6 135.6 134.6 134.3 131.0 130.9 131.2 9 Other 1,107.3 1,206.9 1,223.2 1,241.7 1,265.0 1,275.9 1,285.0 1,288.6 1,288.6 1,295.1 1,294.1 1,301.1 10 Consumer 307.0 318.6 322.7 322.3 327.0 328.5 331.4 332.8 334.7 325.3 322.0 320.9 11 Security (4) 7.2 8.0 8.4 8.5 8.8 9.0 9.1 9.6 10.2 9.5 9.7 9.8 12 Other loans and leases 101.2 101.8 102.2 102.9 103.7 103.9 105.1 107.2 108.2 106.3 107.3 107.2 13 Interbank loans 75.0 75.6 70.9 75.2 73.4 74.4 76.9 78.5 83.3 80.0 81.2 81.5 14 Cash assets (5) 116.0 115.0 112.2 114.8 115.4 116.8 118.6 120.8 119.6 118.5 124.5 126.9 15 Other assets (6) 159.3 184.3 187.0 195.3 204.8 198.0 198.2 201.7 201.9 198.8 205.6 188.3 16 TOTAL ASSETS (7) 2,967.9 3,154.9 3,180.7 3,222.0 3,260.7 3,276.8 3,297.3 3,309.4 3,311.1 3,295.3 3,304.8 3,297.6 L I A B I L I T I E S 17 Deposits 2,267.7 2,391.1 2,409.4 2,424.5 2,440.8 2,473.3 2,490.0 2,503.2 2,510.8 2,497.9 2,507.1 2,504.3 18 Transaction 342.4 354.8 347.2 348.4 355.3 345.8 356.8 348.6 371.3 333.8 335.1 337.3 19 Nontransaction 1,925.3 2,036.3 2,062.2 2,076.1 2,085.5 2,127.5 2,133.1 2,154.6 2,139.5 2,164.1 2,172.0 2,167.1 20 Large time 343.4 379.5 388.1 394.9 399.2 407.7 413.0 415.9 420.5 420.1 420.9 420.7 21 Other 1,582.0 1,656.8 1,674.2 1,681.2 1,686.3 1,719.8 1,720.2 1,738.8 1,718.9 1,744.0 1,751.1 1,746.4 22 Borrowings 482.3 495.0 499.6 516.1 513.2 509.2 510.9 517.0 522.7 498.4 500.5 505.4 23 From banks in the U.S. 188.3 165.8 167.2 171.3 168.2 165.4 162.9 165.1 167.0 156.7 159.1 164.6 24 From others 293.9 329.3 332.4 344.8 345.1 343.9 348.0 351.9 355.7 341.6 341.4 340.7 25 Net due to related foreign offices 11.1 6.0 5.7 10.8 10.0 13.4 14.1 13.2 13.8 15.2 16.9 17.4 26 Other liabilities 76.2 72.5 71.0 71.1 73.5 70.9 72.2 72.5 72.2 70.9 71.4 69.8 27 TOTAL LIABILITIES 2,837.4 2,964.6 2,985.8 3,022.5 3,037.6 3,066.9 3,087.2 3,106.0 3,119.4 3,082.4 3,095.9 3,097.0 28 Residual (assets less liabilities) (8) 130.6 190.3 194.9 199.5 223.1 209.9 210.1 203.4 191.7 212.8 208.9 200.6 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 10 ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED STATES (1) Not seasonally adjusted, adjusted for mergers, billions of dollars October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 2,656.0 2,802.0 2,831.6 2,863.0 2,889.3 2,910.8 2,934.2 2,948.2 2,948.3 2,934.1 2,935.4 2,943.5 2 Securities in bank credit 703.4 723.1 726.6 723.8 718.2 712.5 712.5 708.5 702.5 699.7 699.9 700.0 3 Treasury and Agency securities (2) 494.0 498.8 500.9 499.2 495.4 490.6 490.0 487.4 485.3 485.6 484.9 485.0 4 Other securities 209.4 224.3 225.7 224.5 222.8 221.9 222.5 221.1 217.2 214.1 214.9 215.0 5 Loans and leases in bank credit (3) 1,952.6 2,078.9 2,105.0 2,139.3 2,171.1 2,198.3 2,221.7 2,239.7 2,245.8 2,234.4 2,235.6 2,243.5 6 Commercial and industrial 314.2 336.5 341.4 346.4 349.5 354.4 355.0 358.5 360.1 360.8 361.1 361.7 7 Real estate 1,220.6 1,319.7 1,336.7 1,363.1 1,386.2 1,405.0 1,420.9 1,429.4 1,430.4 1,430.7 1,432.6 1,439.9 8 Revolving home equity 108.5 119.2 122.3 126.1 130.3 134.8 135.8 135.4 135.5 131.6 131.8 132.0 9 Other 1,112.1 1,200.4 1,214.4 1,237.1 1,255.9 1,270.2 1,285.1 1,294.0 1,295.0 1,299.1 1,300.8 1,308.0 9b Other residential 447.4 473.1 479.1 491.3 498.8 503.1 510.6 511.8 510.4 513.0 512.1 517.3 9c Commercial 664.7 727.3 735.4 745.7 757.1 767.1 774.4 782.2 784.6 786.2 788.7 790.6 10 Consumer 307.5 314.3 317.5 319.2 322.4 324.5 329.7 333.3 336.0 325.1 323.2 323.8 10a Credit card and related plans 157.9 156.9 159.0 159.8 161.8 163.3 165.8 168.0 170.5 159.7 157.9 158.8 10h Other 149.6 157.4 158.5 159.4 160.6 161.2 163.8 165.3 165.4 165.3 165.3 165.1 11 Security (4) 7.1 8.2 8.4 8.4 8.7 9.0 9.2 9.5 9.6 9.6 9.8 9.7 12 Other loans and leases 103.0 100.3 101.0 102.2 104.3 105.4 107.0 109.0 109.6 108.3 109.0 108.3 13 Interbank loans 73.6 79.7 74.5 72.9 72.0 72.0 76.5 77.1 76.5 82.8 83.2 82.3 14 Cash assets (5) 117.3 110.3 109.4 113.8 114.9 116.9 116.8 122.1 118.7 119.7 132.1 128.5 15 Other assets (6) 159.3 184.3 187.0 195.3 204.8 198.0 198.2 201.7 201.9 198.8 205.6 188.3 16 TOTAL ASSETS (7) 2,973.4 3,143.5 3,169.6 3,212.1 3,248.0 3,264.4 3,292.1 3,315.2 3,311.3 3,301.9 3,322.9 3,309.1 L I A B I L I T I E S 17 Deposits 2,266.6 2,389.4 2,413.8 2,419.9 2,439.8 2,466.3 2,486.0 2,502.1 2,495.5 2,505.4 2,518.3 2,505.8 18 Transaction 340.7 350.6 348.0 344.1 351.0 345.6 352.6 346.8 366.9 334.8 340.5 338.3 19 Nontransaction 1,925.9 2,038.8 2,065.8 2,075.8 2,088.8 2,120.8 2,133.4 2,155.2 2,128.6 2,170.6 2,177.8 2,167.5 20 Large time 343.4 379.5 388.1 394.9 399.2 407.7 413.0 415.9 420.5 420.1 420.9 420.7 21 Other 1,582.5 1,659.3 1,677.7 1,680.9 1,689.6 1,713.1 1,720.4 1,739.3 1,708.1 1,750.5 1,756.9 1,746.8 22 Borrowings 482.3 495.0 499.6 516.1 513.2 509.2 510.9 517.0 522.7 498.4 500.5 505.4 23 From banks in the U.S. 188.3 165.8 167.2 171.3 168.2 165.4 162.9 165.1 167.0 156.7 159.1 164.6 24 From others 293.9 329.3 332.4 344.8 345.1 343.9 348.0 351.9 355.7 341.6 341.4 340.7 25 Net due to related foreign offices 11.1 6.0 5.7 10.8 10.0 13.4 14.1 13.2 13.8 15.2 16.9 17.4 26 Other liabilities 76.2 72.5 71.0 71.1 73.5 70.9 72.2 72.5 72.2 70.9 71.4 69.8 27 TOTAL LIABILITIES 2,836.2 2,962.9 2,990.1 3,017.9 3,036.5 3,059.9 3,083.2 3,104.9 3,104.1 3,089.8 3,107.1 3,098.4 28 Residual (assets less liabilities) (8) 137.2 180.6 179.5 194.2 211.4 204.5 208.9 210.4 207.2 212.1 215.8 210.7 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 11 ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1) Seasonally adjusted, billions of dollars October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 652.3 703.1 706.4 724.7 733.2 745.5 771.1 787.1 784.2 786.8 787.5 811.7 2 Securities in bank credit 262.8 316.2 309.5 314.2 318.7 326.2 334.4 351.4 354.7 353.1 355.5 367.4 3 Treasury and Agency securities (2) 91.4 93.5 85.5 87.0 86.9 85.9 85.1 85.6 83.2 83.0 82.9 83.3 4 Other securities 171.3 222.8 224.0 227.2 231.8 240.3 249.3 265.8 271.5 270.1 272.6 284.1 5 Loans and leases in bank credit (3) 389.6 386.9 396.9 410.5 414.5 419.3 436.7 435.7 429.6 433.7 432.0 444.3 6 Commercial and industrial 133.5 145.6 151.7 154.8 153.9 160.6 164.6 164.3 164.3 163.8 165.5 166.0 7 Real estate 17.0 18.1 18.5 18.3 18.4 16.8 16.7 16.5 16.4 16.5 16.5 17.0 11 Security (4) 148.5 118.5 119.4 130.5 134.8 129.1 141.7 138.3 133.6 135.7 133.5 143.1 12 Other loans and leases 90.6 104.7 107.4 106.8 107.4 112.7 113.6 116.7 115.3 117.7 116.6 118.3 13 Interbank loans 41.9 42.8 44.9 48.2 49.6 51.1 48.9 50.2 56.3 45.1 52.2 44.3 14 Cash assets (5) 61.3 64.8 63.2 61.6 60.1 60.5 61.3 59.8 58.2 57.2 58.9 55.2 15 Other assets (6) 41.3 34.8 33.9 35.1 37.0 36.4 36.7 40.2 41.8 39.1 43.9 41.3 16 TOTAL ASSETS (7) 796.4 845.2 847.9 869.1 879.5 893.1 917.6 936.9 940.1 927.7 942.0 952.1 L I A B I L I T I E S 17 Deposits 537.7 561.5 589.0 587.4 602.1 582.2 628.9 636.9 635.8 641.4 644.9 648.8 18 Transaction 11.0 14.7 14.1 12.9 11.9 11.7 12.4 12.1 11.8 11.9 11.7 11.7 19 Nontransaction 526.6 546.8 574.9 574.5 590.2 570.6 616.5 624.9 624.0 629.5 633.2 637.0 22 Borrowings 332.3 365.0 363.1 369.6 361.9 368.4 388.8 384.4 377.7 378.6 390.3 375.6 23 From banks in the U.S. 51.2 50.4 50.7 46.2 50.9 48.2 52.7 50.0 54.7 47.0 47.5 47.2 24 From others 281.1 314.6 312.4 323.4 311.0 320.2 336.1 334.4 323.0 331.7 342.7 328.4 25 Net due to related foreign offices -165.5 -180.8 -204.4 -196.6 -190.3 -155.4 -200.3 -192.4 -190.1 -196.9 -194.0 -177.9 26 Other liabilities 87.2 93.3 93.4 93.4 98.7 95.0 96.2 106.1 110.1 105.5 109.2 120.0 27 TOTAL LIABILITIES 791.6 839.1 841.1 853.8 872.3 890.2 913.6 935.1 933.5 928.5 950.4 966.4 28 Residual (assets less liabilities) (8) 4.8 6.1 6.8 15.3 7.1 2.9 4.0 1.7 6.6 -0.8 -8.3 -14.3 ------------------------------------------------- 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 October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- A S S E T S 1 Bank credit 645.3 706.3 711.8 722.1 733.4 742.4 762.1 780.2 779.9 776.6 781.1 807.5 2 Securities in bank credit (2) 262.8 316.2 309.5 314.2 318.7 326.2 334.4 351.4 354.7 353.1 355.5 367.4 3 Treasury and Agency securities 91.4 93.5 85.5 87.0 86.9 85.9 85.1 85.6 83.2 83.0 82.9 83.3 3a Trading account 35.9 38.8 30.8 30.9 29.4 27.0 26.6 26.9 27.9 23.9 24.1 25.5 3b Investment account 55.5 54.7 54.7 56.1 57.6 58.9 58.5 58.7 55.3 59.1 58.8 57.8 4 Other securities 171.3 222.8 224.0 227.2 231.8 240.3 249.3 265.8 271.5 270.1 272.6 284.1 4a Trading account 103.8 123.8 127.6 130.1 132.7 132.8 139.9 155.7 160.9 159.9 160.0 173.9 4b Investment account 67.5 99.0 96.4 97.1 99.0 107.5 109.4 110.1 110.6 110.2 112.6 110.2 5 Loans and leases in bank credit (3) 382.5 390.0 402.4 407.9 414.7 416.2 427.7 428.8 425.2 423.5 425.6 440.1 6 Commercial and industrial 132.1 147.6 152.8 154.8 153.3 159.8 162.8 162.6 163.3 162.0 162.9 163.6 7 Real estate 17.0 18.1 18.5 18.3 18.4 16.8 16.7 16.5 16.4 16.5 16.5 17.0 11 Security (4) 142.1 119.9 122.5 127.4 133.8 125.6 133.3 132.2 129.3 127.3 130.3 141.4 12 Other loans and leases 91.3 104.4 108.5 107.4 109.0 114.0 114.9 117.6 116.3 117.7 115.9 118.1 13 Interbank loans 41.9 42.8 44.9 48.2 49.6 51.1 48.9 50.2 56.3 45.1 52.2 44.3 14 Cash assets (5) 62.5 62.7 62.6 61.0 59.6 59.8 61.4 61.0 61.0 58.4 59.8 56.6 15 Other assets (6) 39.6 34.9 32.5 35.7 37.0 35.4 36.3 38.6 40.0 37.3 42.5 40.0 16 TOTAL ASSETS (7) 788.9 846.3 851.5 866.5 879.2 888.3 908.3 929.6 936.8 917.0 935.3 948.0 L I A B I L I T I E S 17 Deposits 527.9 567.0 600.8 600.8 610.7 580.7 620.1 625.4 628.0 625.2 622.5 623.4 18 Transaction 11.2 14.2 13.9 12.7 11.8 11.7 12.2 12.2 12.6 11.8 11.7 12.0 19 Nontransaction 516.8 552.8 586.9 588.1 598.9 569.0 607.8 613.1 615.4 613.4 610.8 611.4 22 Borrowings 332.3 365.0 363.1 369.6 361.9 368.4 388.8 384.4 377.7 378.6 390.3 375.6 23 From banks in the U.S. 51.2 50.4 50.7 46.2 50.9 48.2 52.7 50.0 54.7 47.0 47.5 47.2 24 From others 281.1 314.6 312.4 323.4 311.0 320.2 336.1 334.4 323.0 331.7 342.7 328.4 25 Net due to related foreign offices -164.0 -181.4 -206.8 -198.7 -193.0 -157.3 -199.9 -190.6 -185.5 -195.9 -191.5 -175.6 26 Other liabilities 88.3 92.9 91.5 91.9 96.7 93.7 96.5 107.5 113.8 106.3 111.2 121.9 27 TOTAL LIABILITIES 784.5 843.5 848.6 863.7 876.3 885.5 905.5 926.8 934.0 914.2 932.5 945.2 28 Residual (assets less liabilities) (8) 4.4 2.8 2.9 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 ------------------------------------------------- Footnotes appear on page 14. H.8 (510) Page 13 MEMO ITEMS Not seasonally adjusted, billions of dollars October 28, 2005 Account 2004 2005 2005 2005 2005 2005 2005 2005 Week ending Sep Mar Apr May Jun Jul Aug Sep Sep 28 Oct 5 Oct 12 Oct 19 -------- -------- -------- -------- -------- -------- -------- -------- ------- ------- ------- ------- LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers 29 Reval. gains on off-bal. sheet items (9) 109.4 88.4 89.3 90.8 93.2 86.5 89.3 92.2 93.5 90.1 90.4 89.0 30 Reval. losses on off-bal. sheet items (9) 99.4 78.8 80.3 82.7 85.3 76.9 79.4 82.9 84.6 82.3 81.4 82.9 31 Mortgage-backed securities (10) 495.2 544.4 546.5 557.0 535.9 544.3 543.3 545.4 547.9 550.0 544.7 545.6 31a Pass-through 377.7 422.7 427.0 433.8 411.3 418.8 416.3 416.5 419.6 419.4 414.0 415.5 31b CMO, REMIC, and other 117.5 121.7 119.5 123.2 124.6 125.5 127.0 128.9 128.4 130.5 130.7 130.1 32 Net unrealized gains (losses) on available-for-sale securities (11) 3.8 -3.0 -2.7 0.5 3.6 0.3 -2.1 -1.7 -2.3 -5.7 -6.4 -6.7 33 Securitized consumer loans (12) 151.0 148.3 146.8 148.9 151.1 152.5 153.1 153.1 154.8 155.0 154.6 152.9 33a Credit card and related plans 130.1 127.7 127.0 129.5 129.2 129.5 130.7 130.8 132.0 132.4 132.1 130.7 33b Other 21.0 20.6 19.8 19.4 21.9 22.9 22.4 22.2 22.8 22.7 22.6 22.3 35 Securitized business loans (12) 6.6 6.3 5.7 5.6 5.5 4.9 4.0 3.3 3.3 3.3 3.3 3.2 SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers 31 Mortgage-backed securities (10) 320.1 342.6 342.6 342.9 339.7 336.9 336.0 331.2 327.1 327.7 328.0 327.1 33 Securitized consumer loans (12) 213.5 211.1 210.7 209.6 210.5 212.4 211.7 210.6 210.1 199.2 200.9 200.4 33a Credit card and related plans 206.2 203.9 203.6 202.5 203.2 202.5 201.8 200.7 200.2 189.4 191.1 190.6 33b Other 7.3 7.2 7.2 7.1 7.2 9.9 9.9 9.9 9.9 9.8 9.8 9.8 FOREIGN-RELATED INSTITUTIONS 29 Reval. gains on off-bal. sheet items (9) 56.7 52.3 52.4 53.3 54.6 54.9 56.8 65.9 68.8 67.9 67.0 73.8 30 Reval. losses on off-bal. sheet items (9) 59.3 63.0 62.6 62.0 63.6 62.6 62.4 71.2 74.3 73.3 72.3 79.2 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 October 28, 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.