----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 1 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Commercial Banks in the United States 1 Seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 9,180.3 9,403.3 9,374.5 9,399.2 9,415.3 9,575.2 9,956.6 9,896.7 9,977.3 9,961.8 9,959.1 9,885.9 2 Securities in bank credit 2,464.5 2,481.2 2,471.8 2,494.4 2,481.1 2,537.1 2,719.6 2,727.2 2,813.3 2,766.0 2,813.1 2,762.8 3 Treasury and Agency securities 1,129.0 1,096.0 1,112.8 1,114.3 1,127.7 1,153.8 1,227.0 1,261.0 1,265.8 1,243.9 1,229.9 1,266.6 2 4 Other securities 3 1,335.5 1,385.3 1,359.0 1,380.1 1,353.4 1,383.3 1,492.5 1,466.2 1,547.5 1,522.1 1,583.2 1,496.2 5 Loans and leases in bank credit 6,715.8 6,922.0 6,902.7 6,904.8 6,934.2 7,038.1 7,237.1 7,169.6 7,164.1 7,195.9 7,146.0 7,123.1 4 6 Commercial and industrial 1,408.5 1,496.3 1,503.1 1,508.7 1,508.5 1,536.0 1,600.0 1,596.0 1,587.3 1,590.9 1,579.6 1,569.8 7 Real estate 3,562.3 3,657.2 3,648.2 3,627.1 3,645.9 3,666.7 3,791.4 3,783.4 3,786.0 3,791.4 3,783.4 3,760.4 8 Revolving home equity 478.5 512.2 518.4 523.5 526.2 540.4 577.8 580.4 583.8 585.8 585.1 584.4 9 Other residential 1,494.3 1,481.1 1,449.9 1,435.9 1,445.6 1,445.8 1,496.0 1,479.6 1,475.3 1,481.6 1,473.1 1,449.4 10 Commercial 1,589.5 1,663.9 1,680.0 1,667.7 1,674.1 1,680.6 1,717.7 1,723.4 1,726.8 1,724.0 1,725.2 1,726.7 11 Consumer 795.9 827.1 831.7 839.3 845.0 852.0 870.7 876.2 881.7 881.3 882.0 882.0 12 Credit cards and other 341.4 345.9 345.5 349.7 357.0 362.3 375.8 381.4 385.3 389.2 389.1 386.7 revolving plans 13 Other 454.6 481.2 486.3 489.6 488.0 489.7 494.9 494.8 496.5 492.1 492.8 495.3 14 Security 5 282.0 292.8 280.8 295.0 305.5 330.9 302.0 268.6 260.5 267.4 234.4 246.4 15 Fed funds and RPs with 225.4 235.0 232.3 244.9 256.2 269.7 240.9 221.0 219.2 225.6 193.9 207.1 brokers 16 Other 56.5 57.9 48.5 50.1 49.3 61.1 61.1 47.6 41.3 41.8 40.5 39.3 17 Other loans and leases 667.1 648.5 638.8 634.7 629.3 652.5 672.9 645.4 648.6 664.9 666.6 664.4 18 Interbank loans 421.5 446.6 453.1 437.7 434.3 462.6 444.6 345.4 357.8 352.8 357.6 354.0 19 Fed funds and RPs with banks 6 338.9 364.8 370.0 362.7 358.0 387.7 363.0 268.2 285.0 285.4 288.3 297.5 20 Other 82.6 81.8 83.1 75.0 76.3 74.9 81.6 77.2 72.8 67.4 69.2 56.5 21 Cash assets 7 302.3 306.5 300.0 296.6 297.8 368.5 576.6 852.8 886.1 1,031.8 995.4 1,016.5 22 Other assets 8 953.5 987.9 1,003.9 1,018.8 1,018.4 1,041.8 1,087.4 1,133.0 1,159.7 1,164.6 1,141.8 1,169.7 23 Total Assets 9 10,784.2 11,047.2 11,030.6 11,044.8 11,056.6 11,334.9 11,942.6 12,101.6 12,251.9 12,383.7 12,326.2 12,300.2 Liabilities 24 Deposits 6,637.8 6,887.0 6,909.6 6,884.2 6,914.3 7,072.5 7,125.2 7,064.1 7,124.1 7,246.1 7,233.9 7,299.2 25 Transaction 610.9 613.4 603.6 621.0 600.2 640.2 679.4 703.9 717.5 811.0 751.3 742.7 26 Nontransaction 6,027.0 6,273.6 6,306.0 6,263.2 6,314.0 6,432.3 6,445.8 6,360.2 6,406.6 6,435.1 6,482.5 6,556.4 27 Large time 2,026.6 2,112.7 2,125.4 2,130.9 2,129.8 2,160.9 2,063.3 1,938.1 1,939.2 1,964.1 1,987.9 1,994.4 28 Other 4,000.4 4,161.0 4,180.5 4,132.2 4,184.2 4,271.4 4,382.5 4,422.1 4,467.4 4,471.0 4,494.6 4,562.0 29 Borrowings 2,221.4 2,319.0 2,316.9 2,340.5 2,357.2 2,398.6 2,613.6 2,600.2 2,571.3 2,489.1 2,462.8 2,449.8 30 From banks in the U.S. 456.7 483.6 483.1 479.4 476.9 478.5 449.6 399.6 393.1 372.1 358.3 373.2 31 From others 1,764.7 1,835.4 1,833.7 1,861.1 1,880.2 1,920.0 2,164.0 2,200.5 2,178.2 2,117.1 2,104.5 2,076.6 32 Net due to related foreign offices 85.9 -23.6 -18.5 -46.9 -92.2 -61.8 189.0 401.7 421.1 504.4 426.0 413.6 33 Other liabilities 665.9 693.4 674.5 674.5 673.3 715.1 805.7 845.3 935.6 933.5 1,009.7 940.5 34 Total Liabilities 9,611.1 9,875.9 9,882.5 9,852.2 9,852.6 10,124.3 10,733.5 10,911.2 11,052.1 11,173.1 11,132.3 11,103.1 35 Residual (assets less liabilities) 1,173.1 1,171.3 1,148.1 1,192.5 1,204.0 1,210.5 1,209.1 1,190.4 1,199.8 1,210.6 1,193.9 1,197.1 10 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 2 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Commercial Banks in the United States 1 Not seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 9,225.9 9,385.7 9,340.8 9,329.2 9,348.9 9,553.6 9,963.9 9,951.7 10,039.7 10,010.5 10,015.0 9,953.9 2 Securities in bank credit 2,468.7 2,506.4 2,484.9 2,476.4 2,465.6 2,516.4 2,702.2 2,736.5 2,828.1 2,768.0 2,797.3 2,734.7 3 Treasury and Agency securities 1,123.1 1,110.0 1,123.5 1,118.6 1,133.0 1,146.2 1,212.5 1,256.7 1,259.8 1,229.3 1,211.3 1,245.5 2 4 Other securities 3 1,345.6 1,396.3 1,361.5 1,357.8 1,332.6 1,370.1 1,489.7 1,479.8 1,568.4 1,538.7 1,585.9 1,489.2 5 Loans and leases in bank credit 6,757.2 6,879.3 6,855.9 6,852.8 6,883.4 7,037.2 7,261.7 7,215.2 7,211.6 7,242.4 7,217.7 7,219.2 4 6 Commercial and industrial 1,409.7 1,494.5 1,497.3 1,497.6 1,501.3 1,533.4 1,600.5 1,598.5 1,591.1 1,585.1 1,586.5 1,584.4 7 Real estate 3,600.6 3,628.0 3,616.8 3,611.2 3,615.4 3,661.1 3,822.9 3,826.2 3,827.1 3,832.5 3,819.1 3,799.4 8 Revolving home equity 482.4 508.4 514.5 521.6 526.0 540.7 580.7 585.4 587.8 589.3 590.5 589.1 9 Other residential 1,519.8 1,464.6 1,438.9 1,422.8 1,418.6 1,434.1 1,511.2 1,506.6 1,505.8 1,510.2 1,495.8 1,478.1 10 Commercial 1,598.4 1,655.0 1,663.5 1,666.8 1,670.8 1,686.4 1,730.9 1,734.2 1,733.5 1,733.1 1,732.8 1,732.2 11 Consumer 796.3 822.8 826.9 832.9 843.7 853.9 865.9 876.6 881.7 882.1 891.3 897.5 12 Credit cards and other 343.0 340.8 341.8 347.1 355.4 361.6 371.9 383.5 387.7 393.8 403.1 407.7 revolving plans 13 Other 453.3 482.0 485.1 485.8 488.3 492.3 494.1 493.1 494.0 488.3 488.2 489.7 14 Security 5 284.1 293.9 280.9 281.9 294.9 327.2 298.0 267.7 262.1 275.3 246.0 255.9 15 Fed funds and RPs with 226.0 237.9 234.5 234.3 246.9 267.5 238.3 219.2 220.8 232.2 202.7 212.7 brokers 16 Other 58.1 56.0 46.4 47.6 48.0 59.6 59.7 48.4 41.4 43.1 43.3 43.2 17 Other loans and leases 666.4 640.1 634.0 629.3 628.1 661.6 674.3 646.3 649.5 667.5 674.8 682.2 18 Interbank loans 433.7 434.0 435.8 422.1 426.9 460.6 443.7 352.1 368.4 361.1 367.2 367.1 19 Fed funds and RPs with banks 6 350.7 353.3 355.3 349.7 353.2 389.7 364.8 275.9 294.0 291.1 299.3 308.4 20 Other 83.0 80.7 80.5 72.4 73.7 70.9 78.9 76.2 74.4 70.0 67.9 58.6 21 Cash assets 7 307.4 304.1 296.3 292.4 285.8 366.1 575.2 868.7 902.5 1,021.3 1,032.3 1,048.7 22 Other assets 8 950.5 985.1 999.1 1,015.9 1,014.7 1,050.5 1,096.7 1,131.4 1,153.9 1,166.2 1,136.6 1,157.5 23 Total Assets 9 10,844.7 11,011.7 10,971.2 10,951.8 10,967.0 11,317.2 11,957.2 12,178.6 12,335.4 12,430.5 12,423.3 12,401.4 Liabilities 24 Deposits 6,676.3 6,862.0 6,864.5 6,831.0 6,844.2 7,052.3 7,145.2 7,117.9 7,198.9 7,303.8 7,325.1 7,341.3 25 Transaction 613.9 609.3 602.6 605.4 589.9 631.0 667.4 707.6 708.6 756.7 779.8 837.1 26 Nontransaction 6,062.4 6,252.7 6,261.9 6,225.6 6,254.3 6,421.2 6,477.8 6,410.3 6,490.4 6,547.1 6,545.2 6,504.2 27 Large time 2,032.8 2,130.2 2,125.6 2,093.2 2,102.5 2,148.0 2,073.1 1,951.3 1,950.7 1,981.1 1,999.3 1,995.1 28 Other 4,029.6 4,122.5 4,136.3 4,132.4 4,151.7 4,273.2 4,404.7 4,459.0 4,539.6 4,566.0 4,545.9 4,509.1 29 Borrowings 2,221.5 2,338.7 2,318.3 2,307.1 2,343.1 2,414.2 2,611.3 2,599.6 2,563.6 2,459.7 2,468.2 2,476.2 30 From banks in the U.S. 462.2 480.7 479.1 467.1 469.8 477.8 445.6 403.0 399.2 370.5 363.0 389.4 31 From others 1,759.3 1,857.9 1,839.2 1,840.0 1,873.3 1,936.3 2,165.7 2,196.6 2,164.4 2,089.2 2,105.1 2,086.8 32 Net due to related foreign offices 95.1 -64.5 -52.3 -23.3 -66.3 -48.0 203.9 411.4 432.6 530.2 423.5 478.3 33 Other liabilities 682.8 699.3 667.3 666.1 671.4 712.7 811.6 867.3 960.5 956.4 1,011.8 927.0 34 Total Liabilities 9,675.7 9,835.5 9,797.8 9,780.9 9,792.4 10,131.2 10,772.0 10,996.3 11,155.5 11,250.1 11,228.6 11,222.8 35 Residual (assets less liabilities) 1,169.0 1,176.2 1,173.4 1,170.9 1,174.6 1,186.1 1,185.2 1,182.4 1,179.9 1,180.4 1,194.7 1,178.6 10 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 3 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Domestically Chartered Commercial Banks in the United States 1 Seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 8,026.1 8,268.2 8,253.0 8,276.6 8,291.2 8,456.5 8,804.3 8,779.0 8,871.5 8,866.8 8,837.2 8,778.8 2 Securities in bank credit 1,990.3 2,014.4 2,014.6 2,026.4 2,016.6 2,082.3 2,244.3 2,263.1 2,357.4 2,311.0 2,326.7 2,283.5 3 Treasury and Agency securities 2 1,036.3 1,004.1 1,021.2 1,020.5 1,040.9 1,070.9 1,151.4 1,177.6 1,182.4 1,160.0 1,142.7 1,175.4 4 Other securities 3 954.0 1,010.3 993.3 1,005.8 975.6 1,011.5 1,092.9 1,085.4 1,175.0 1,151.0 1,184.0 1,108.1 5 Loans and leases in bank credit 4 6,035.8 6,253.7 6,238.4 6,250.3 6,274.6 6,374.2 6,560.1 6,516.0 6,514.1 6,555.8 6,510.5 6,495.2 6 Commercial and industrial 1,133.5 1,185.4 1,189.9 1,194.3 1,191.5 1,209.7 1,249.2 1,243.1 1,233.6 1,237.1 1,229.4 1,224.7 7 Real estate 3,526.6 3,616.5 3,606.1 3,584.3 3,601.8 3,623.7 3,750.7 3,744.3 3,746.6 3,752.5 3,743.7 3,720.9 8 Revolving home equity 478.5 512.2 518.4 523.5 526.2 540.4 577.8 580.4 583.8 585.8 585.1 584.4 9 Other residential 1,494.3 1,481.1 1,449.9 1,435.9 1,445.6 1,445.8 1,496.0 1,479.6 1,475.3 1,481.6 1,473.1 1,449.4 10 Commercial 1,553.8 1,623.2 1,637.9 1,624.9 1,630.0 1,637.6 1,676.9 1,684.3 1,687.4 1,685.2 1,685.4 1,687.1 11 Consumer 795.9 827.1 831.7 839.3 845.0 852.0 870.7 876.2 881.7 881.3 882.0 882.0 12 Credit cards and other revolving 341.4 345.9 345.5 349.7 357.0 362.3 375.8 381.4 385.3 389.2 389.1 386.7 plans 13 Other 454.6 481.2 486.3 489.6 488.0 489.7 494.9 494.8 496.5 492.1 492.8 495.3 14 Security 5 141.4 189.0 180.4 194.7 204.8 241.3 230.6 213.1 209.5 228.3 195.1 205.9 15 Fed funds and RPs with brokers 109.7 149.3 149.2 163.6 174.5 195.5 183.6 177.6 180.0 196.9 164.8 176.9 16 Other 31.7 39.6 31.2 31.2 30.3 45.8 47.0 35.5 29.5 31.4 30.3 28.9 17 Other loans and leases 438.5 435.8 430.2 437.6 431.6 447.5 458.8 439.2 442.7 456.6 460.3 461.8 18 Interbank loans 342.5 371.6 384.6 372.0 368.2 394.5 383.8 298.9 313.0 317.1 323.5 328.2 19 Fed funds and RPs with banks 6 265.7 295.2 306.9 302.1 297.7 324.4 309.0 228.1 246.9 256.3 260.1 276.9 20 Other 76.8 76.4 77.7 69.9 70.6 70.1 74.8 70.7 66.0 60.9 63.4 51.3 21 Cash assets 7 245.5 248.4 240.4 240.5 244.7 307.7 446.5 578.3 607.5 674.1 708.9 663.0 22 Other assets 8 904.5 938.6 947.6 970.3 975.4 995.1 1,026.2 1,077.4 1,104.4 1,110.4 1,082.7 1,114.6 23 Total Assets 9 9,445.2 9,729.8 9,724.8 9,751.9 9,770.3 10,040.6 10,538.2 10,607.4 10,767.4 10,841.3 10,824.7 10,758.8 Liabilities 24 Deposits 5,620.3 5,774.3 5,784.9 5,763.3 5,786.7 5,969.6 6,194.5 6,202.6 6,276.8 6,374.1 6,343.9 6,393.1 25 Transaction 597.8 596.4 586.8 603.8 583.7 621.1 657.1 685.5 699.8 791.2 730.2 720.4 26 Nontransaction 5,022.5 5,177.9 5,198.1 5,159.5 5,203.0 5,348.6 5,537.4 5,517.1 5,577.0 5,582.8 5,613.7 5,672.7 27 Large time 1,024.3 1,021.3 1,022.0 1,030.5 1,023.3 1,082.2 1,160.3 1,100.9 1,115.7 1,117.6 1,125.6 1,117.5 28 Other 3,998.2 4,156.6 4,176.1 4,129.1 4,179.7 4,266.4 4,377.1 4,416.2 4,461.3 4,465.2 4,488.1 4,555.2 29 Borrowings 1,634.7 1,711.7 1,714.0 1,735.4 1,753.6 1,791.6 1,992.6 1,990.1 1,975.7 1,923.3 1,911.9 1,861.0 30 From banks in the U.S. 396.0 411.7 413.5 406.5 409.5 394.5 391.7 359.8 353.0 341.4 327.9 343.1 31 From others 1,238.7 1,299.9 1,300.5 1,328.9 1,344.1 1,397.1 1,600.8 1,630.3 1,622.7 1,582.0 1,584.0 1,518.0 32 Net due to related foreign offices 482.0 527.7 546.2 529.7 509.8 506.2 521.6 568.3 581.3 608.3 578.0 575.7 33 Other liabilities 537.2 547.6 534.3 537.3 532.8 567.0 622.3 659.5 747.4 745.5 800.6 741.6 34 Total Liabilities 8,274.2 8,561.2 8,579.4 8,565.8 8,583.0 8,834.4 9,330.9 9,420.5 9,581.2 9,651.1 9,634.4 9,571.4 35 Residual (assets less liabilities) 10 1,171.0 1,168.6 1,145.4 1,186.1 1,187.3 1,206.2 1,207.3 1,186.9 1,186.2 1,190.2 1,190.3 1,187.3 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 4 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Domestically Chartered Commercial Banks in the United States 1 Not seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 8,063.2 8,255.7 8,227.1 8,225.4 8,238.4 8,443.1 8,813.7 8,826.1 8,920.4 8,901.3 8,884.5 8,841.0 2 Securities in bank credit 1,988.4 2,036.4 2,026.5 2,016.4 2,006.7 2,066.1 2,228.9 2,266.3 2,363.2 2,306.1 2,313.9 2,264.5 3 Treasury and Agency securities 2 1,029.9 1,017.9 1,032.5 1,026.6 1,045.1 1,062.5 1,136.3 1,173.1 1,175.5 1,144.3 1,124.9 1,154.7 4 Other securities 3 958.5 1,018.6 993.9 989.8 961.5 1,003.7 1,092.6 1,093.2 1,187.7 1,161.8 1,189.0 1,109.8 5 Loans and leases in bank credit 4 6,074.8 6,219.2 6,200.6 6,209.0 6,231.8 6,377.0 6,584.8 6,559.8 6,557.2 6,595.2 6,570.6 6,576.5 6 Commercial and industrial 1,134.9 1,187.0 1,187.4 1,187.2 1,186.2 1,207.1 1,250.9 1,245.4 1,236.0 1,230.9 1,230.6 1,231.6 7 Real estate 3,564.1 3,586.9 3,575.1 3,569.0 3,572.9 3,618.3 3,781.1 3,786.3 3,787.0 3,792.5 3,778.9 3,759.1 8 Revolving home equity 482.4 508.4 514.5 521.6 526.0 540.7 580.7 585.4 587.8 589.3 590.5 589.1 9 Other residential 1,519.8 1,464.6 1,438.9 1,422.8 1,418.6 1,434.1 1,511.2 1,506.6 1,505.8 1,510.2 1,495.8 1,478.1 10 Commercial 1,561.9 1,613.9 1,621.8 1,624.6 1,628.3 1,643.5 1,689.1 1,694.3 1,693.3 1,693.0 1,692.6 1,691.9 11 Consumer 796.3 822.8 826.9 832.9 843.7 853.9 865.9 876.6 881.7 882.1 891.3 897.5 12 Credit cards and other revolving 343.0 340.8 341.8 347.1 355.4 361.6 371.9 383.5 387.7 393.8 403.1 407.7 plans 13 Other 453.3 482.0 485.1 485.8 488.3 492.3 494.1 493.1 494.0 488.3 488.2 489.7 14 Security 5 139.7 191.5 181.8 184.8 196.8 240.5 226.6 210.4 209.0 232.4 203.7 212.8 15 Fed funds and RPs with brokers 107.7 151.3 150.6 154.3 167.2 195.4 180.9 174.7 180.0 201.0 172.4 182.2 16 Other 32.0 40.2 31.2 30.5 29.6 45.1 45.8 35.7 29.0 31.4 31.3 30.6 17 Other loans and leases 439.7 431.1 429.3 435.1 432.1 457.2 460.2 441.2 443.6 457.4 466.1 475.5 18 Interbank loans 349.9 361.7 370.6 357.9 362.5 391.2 381.0 303.4 319.8 322.9 331.9 338.8 19 Fed funds and RPs with banks 6 273.0 286.1 295.0 290.3 294.2 325.0 309.0 233.9 252.4 259.8 270.1 286.0 20 Other 76.8 75.6 75.6 67.6 68.3 66.2 72.1 69.5 67.4 63.1 61.8 52.8 21 Cash assets 7 249.7 247.3 237.4 236.1 231.9 303.4 443.0 589.1 624.7 660.5 735.9 685.1 22 Other assets 8 903.1 934.7 941.8 967.7 971.7 1,002.4 1,037.1 1,077.6 1,099.7 1,111.1 1,078.6 1,102.1 23 Total Assets 9 9,493.1 9,702.2 9,676.1 9,679.3 9,695.2 10,026.7 10,552.6 10,671.0 10,835.5 10,867.3 10,903.2 10,841.3 Liabilities 24 Deposits 5,659.3 5,725.0 5,730.6 5,735.8 5,733.1 5,955.3 6,213.2 6,253.4 6,355.0 6,432.4 6,435.8 6,444.6 25 Transaction 601.2 592.5 586.1 588.6 573.6 612.0 645.7 689.7 691.3 737.9 758.5 814.4 26 Nontransaction 5,058.2 5,132.5 5,144.6 5,147.2 5,159.5 5,343.3 5,567.5 5,563.7 5,663.7 5,694.5 5,677.4 5,630.1 27 Large time 1,030.0 1,014.4 1,012.8 1,019.3 1,012.4 1,074.8 1,168.0 1,110.2 1,129.7 1,134.2 1,137.3 1,126.8 28 Other 4,028.2 4,118.2 4,131.8 4,127.9 4,147.1 4,268.5 4,399.5 4,453.5 4,534.1 4,560.3 4,540.1 4,503.3 29 Borrowings 1,635.9 1,721.4 1,712.7 1,712.7 1,752.1 1,827.6 2,011.5 1,992.9 1,962.1 1,881.8 1,906.9 1,885.6 30 From banks in the U.S. 398.9 412.9 411.4 399.0 404.4 395.1 390.3 362.2 356.0 337.9 330.8 357.6 31 From others 1,237.0 1,308.5 1,301.2 1,313.7 1,347.7 1,432.5 1,621.2 1,630.7 1,606.1 1,543.9 1,576.1 1,527.9 32 Net due to related foreign offices 478.5 532.8 533.8 529.9 507.0 495.2 517.6 565.8 576.1 616.1 563.0 603.3 33 Other liabilities 552.4 550.1 529.0 533.4 531.8 565.9 628.7 679.4 765.6 759.4 805.1 731.8 34 Total Liabilities 8,326.1 8,529.3 8,506.1 8,511.7 8,524.0 8,844.0 9,371.0 9,491.6 9,658.8 9,689.6 9,710.8 9,665.3 35 Residual (assets less liabilities) 10 1,167.0 1,172.8 1,170.0 1,167.5 1,171.2 1,182.7 1,181.6 1,179.4 1,176.7 1,177.7 1,192.4 1,175.9 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 5 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1 Seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 5,113.8 5,311.5 5,285.5 5,289.8 5,295.9 5,427.5 5,752.3 5,721.8 5,743.1 5,750.4 5,726.5 5,687.1 2 Securities in bank credit 1,388.2 1,427.8 1,428.7 1,433.1 1,428.8 1,499.1 1,665.6 1,676.6 1,700.1 1,661.6 1,676.9 1,640.8 3 Treasury and Agency securities 2 663.9 648.0 665.3 662.8 685.5 710.0 784.3 806.9 806.0 784.7 772.6 802.7 3a Trading account 72.2 65.7 66.1 53.7 56.4 72.0 133.6 122.1 108.5 78.1 94.0 107.2 3b Investment account 591.6 582.3 599.2 609.1 629.1 638.0 650.7 684.8 697.6 706.6 678.6 695.4 3b1 Mortgage-backed 527.0 534.2 552.3 560.3 576.7 587.6 604.3 636.2 644.3 650.5 621.7 626.8 3b2 Other 64.6 48.0 46.9 48.7 52.4 50.3 46.5 48.6 53.3 56.1 56.9 68.6 4 Other securities 724.3 779.9 763.4 770.3 743.3 789.1 881.3 869.7 894.1 876.9 904.3 838.1 4a Trading account 3 388.7 408.2 390.4 400.6 385.3 404.1 446.5 484.0 536.8 528.5 565.7 496.8 4a1 Derivatives with a positive fair 201.8 210.0 193.5 214.2 215.2 230.2 283.1 342.4 391.4 384.4 420.3 363.9 value 11 4a2 Other 186.9 198.2 196.9 186.4 170.1 173.9 163.5 141.6 145.4 144.1 145.4 132.8 4b Investment account 335.6 371.6 373.0 369.7 358.0 385.0 434.7 385.6 357.3 348.4 338.6 341.4 4b1 State and local government 60.3 54.6 53.2 53.3 52.7 52.2 52.7 52.0 52.4 51.9 51.7 53.2 4b2 Mortgage-backed 153.9 179.3 175.6 163.3 155.1 155.5 163.5 152.4 136.3 140.1 142.3 142.5 4b3 Other 121.5 137.7 144.1 153.2 150.3 177.3 218.6 181.2 168.6 156.4 144.6 145.7 5 Loans and leases in bank credit 4 3,725.6 3,883.7 3,856.9 3,856.7 3,867.1 3,928.4 4,086.6 4,045.2 4,043.0 4,088.9 4,049.6 4,046.2 6 Commercial and industrial 741.7 780.4 783.3 786.7 781.0 793.0 822.7 816.5 808.7 813.0 807.3 803.9 7 Real estate 2,052.7 2,107.6 2,088.6 2,059.1 2,066.7 2,067.4 2,177.9 2,175.0 2,181.3 2,189.2 2,183.7 2,170.2 8 Revolving home equity 390.2 417.3 421.6 427.0 428.6 440.2 474.1 476.6 480.1 482.2 481.4 480.9 9 Other residential 1,042.2 1,026.3 995.5 979.7 984.6 977.4 1,019.9 1,008.3 1,005.5 1,010.8 1,005.8 991.0 10 Commercial 620.3 663.9 671.5 652.4 653.5 649.8 683.9 690.1 695.6 696.2 696.5 698.3 11 Consumer 463.6 487.3 491.3 498.9 503.4 501.3 517.1 518.8 523.2 524.7 525.4 527.0 12 Credit cards and other revolving plans 133.7 132.1 131.9 135.3 138.7 143.1 159.2 160.7 162.6 162.3 162.7 162.2 13 Other 329.8 355.2 359.4 363.6 364.7 358.2 357.8 358.1 360.6 362.5 362.7 364.8 14 Security 132.7 177.5 169.1 183.2 193.6 229.8 219.6 203.4 198.5 217.3 184.1 194.5 15 Fed funds and RPs with brokers 105.9 143.2 143.2 157.3 168.4 189.1 177.7 172.9 174.0 190.8 158.6 170.5 16 Other 26.9 34.3 25.9 25.9 25.1 40.7 41.9 30.5 24.5 26.5 25.4 24.0 17 Other loans and leases 334.9 330.8 324.6 328.8 322.4 336.8 349.3 331.4 331.3 344.7 349.2 350.6 17a Fed funds and RPs with others 44.1 31.6 24.2 27.4 25.0 22.5 25.3 20.7 22.9 34.4 41.9 39.7 17b Other loans 192.7 197.4 198.2 202.3 201.7 220.5 231.8 219.2 216.8 219.0 215.4 218.7 17c Lease financing receivables 98.1 101.9 102.2 99.0 95.8 93.8 92.2 91.5 91.5 91.4 91.8 92.2 18 Interbank loans 225.2 244.9 259.4 241.6 239.6 257.3 247.8 184.7 179.2 186.6 186.2 196.7 19 Fed funds and RPs with banks 170.7 190.7 203.8 195.0 193.3 214.3 207.2 146.8 143.7 151.9 154.2 165.7 20 Other 54.5 54.2 55.6 46.6 46.3 43.0 40.6 37.9 35.5 34.7 32.0 31.1 21 Cash assets 7 152.5 146.2 137.3 135.9 138.1 200.3 323.0 411.8 419.7 466.9 499.9 450.8 22 Other assets 8 655.1 707.0 713.1 738.7 741.5 753.7 779.5 820.5 831.7 835.2 796.2 816.9 23 Total Assets 9 6,108.5 6,353.1 6,335.2 6,339.5 6,347.2 6,567.4 7,022.5 7,055.5 7,087.9 7,154.8 7,124.0 7,067.8 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 6 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1 Seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Liabilities 24 Deposits 3,352.2 3,462.2 3,466.2 3,425.3 3,437.0 3,584.7 3,782.4 3,755.4 3,771.9 3,857.1 3,810.5 3,844.4 25 Transaction 327.2 326.6 317.7 327.9 317.3 349.9 383.3 418.1 438.6 517.5 457.6 463.4 26 Nontransaction 3,025.0 3,135.6 3,148.5 3,097.4 3,119.6 3,234.8 3,399.1 3,337.3 3,333.2 3,339.6 3,352.9 3,380.9 27 Large time 619.1 608.8 607.4 612.8 606.6 663.0 737.4 669.0 656.1 656.6 659.0 650.7 28 Other 2,405.9 2,526.8 2,541.1 2,484.7 2,513.1 2,571.8 2,661.7 2,668.3 2,677.1 2,683.0 2,693.9 2,730.2 29 Borrowings 1,069.9 1,119.5 1,121.5 1,143.5 1,158.7 1,194.9 1,379.0 1,386.9 1,357.7 1,305.4 1,308.8 1,260.8 30 From banks in the U.S. 150.6 165.3 161.5 163.0 158.2 150.5 143.4 125.9 123.8 107.8 107.5 121.5 31 From others 919.3 954.3 960.0 980.4 1,000.5 1,044.5 1,235.6 1,261.0 1,233.9 1,197.5 1,201.3 1,139.3 32 Net due to related foreign offices 477.3 523.7 541.5 524.4 506.2 501.7 519.4 562.0 574.4 601.0 571.9 569.7 33 Other liabilities 459.7 467.6 453.4 457.1 452.5 485.1 541.7 571.1 610.7 609.6 661.0 605.6 33a Derivatives with a negative fair value 11 159.8 161.9 145.5 163.9 169.4 179.6 216.5 264.4 296.6 291.9 328.1 267.0 33b Other 299.9 305.7 307.8 293.2 283.1 305.5 325.1 306.8 314.1 317.7 332.9 338.6 34 Total Liabilities 5,359.1 5,572.9 5,582.6 5,550.3 5,554.4 5,766.4 6,222.6 6,275.4 6,314.7 6,373.1 6,352.2 6,280.4 35 Residual (assets less liabilities) 10 749.3 780.2 752.6 789.2 792.8 801.0 799.9 780.1 773.2 781.7 771.8 787.4 Memoranda 36 Mortgage-backed securities 12 680.9 713.6 727.9 723.7 731.9 743.1 767.8 788.6 780.5 790.6 764.0 769.3 37 Pass-thru 468.4 467.0 482.5 487.3 498.5 519.4 544.3 574.9 581.3 586.2 555.9 559.9 38 CMO, REMIC, and other 212.5 246.5 245.4 236.4 233.3 223.8 223.5 213.7 199.3 204.4 208.1 209.5 39 Net unrealized gains (losses) on available-for-sale securities 13 -10.6 -20.4 -21.2 -30.1 -45.4 -49.4 -58.3 -77.0 -82.8 -84.4 -85.4 -87.4 40 Securitized consumer loans 14 114.9 112.1 115.0 113.1 112.9 120.3 135.7 133.5 132.2 131.4 129.1 128.5 41 Credit cards and other revolving plans 77.2 76.5 79.4 77.9 77.2 81.2 93.5 92.2 92.2 92.9 91.6 90.8 42 Other 37.7 35.6 35.6 35.2 35.7 39.1 42.3 41.3 40.0 38.5 37.5 37.7 43 Securitized real estate loans 14 1,193.0 1,201.8 1,213.3 1,247.7 1,275.9 1,300.5 1,357.8 1,347.0 1,342.2 1,338.5 1,341.1 1,339.5 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 7 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1 Not seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 5,159.1 5,280.1 5,240.5 5,239.6 5,243.2 5,429.5 5,783.4 5,776.9 5,800.0 5,786.3 5,762.5 5,722.3 2 Securities in bank credit 1,391.3 1,438.6 1,433.5 1,430.1 1,425.5 1,491.5 1,655.9 1,684.7 1,713.1 1,660.8 1,665.1 1,621.6 3 Treasury and Agency securities 2 661.4 655.6 671.6 670.4 690.8 705.8 774.0 806.1 803.4 770.7 755.3 781.3 3a Trading account 74.4 65.5 67.7 54.4 54.9 68.7 128.0 125.5 106.4 75.8 91.5 102.7 3b Investment account 587.0 590.1 603.9 616.1 635.8 637.1 646.0 680.6 697.0 694.9 663.7 678.6 3b1 Mortgage-backed 520.4 542.1 556.0 567.5 583.4 586.0 599.0 630.6 643.9 639.0 607.7 612.6 3b2 Other 66.7 48.1 47.8 48.6 52.4 51.2 47.0 50.0 53.1 56.0 56.1 65.9 4 Other securities 729.8 782.9 761.9 759.7 734.7 785.7 881.9 878.6 909.7 890.1 909.8 840.3 4a Trading account 3 394.3 411.7 391.6 392.7 379.0 399.8 447.6 492.0 549.8 540.1 566.5 494.4 4a1 Derivatives with a positive fair 201.6 211.7 195.1 205.3 205.3 224.5 276.1 343.8 405.2 398.2 422.8 361.2 value 11 4a2 Other 192.6 199.9 196.5 187.4 173.7 175.3 171.6 148.2 144.6 141.9 143.7 133.1 4b Investment account 335.6 371.2 370.3 367.0 355.8 385.9 434.3 386.5 359.9 350.0 343.3 345.9 4b1 State and local government 60.8 54.9 53.1 52.7 52.1 52.2 52.8 52.5 52.6 52.4 51.6 53.0 4b2 Mortgage-backed 153.0 174.7 173.2 170.3 162.7 159.9 159.2 149.7 136.2 138.7 140.5 140.3 4b3 Other 121.8 141.6 144.0 144.0 140.9 173.7 222.3 184.3 171.0 159.0 151.2 152.7 5 Loans and leases in bank credit 4 3,767.9 3,841.6 3,807.0 3,809.5 3,817.7 3,938.0 4,127.5 4,092.2 4,086.9 4,125.4 4,097.4 4,100.7 6 Commercial and industrial 746.4 778.9 777.7 777.8 775.7 792.2 828.1 822.0 814.0 810.5 810.0 809.8 7 Real estate 2,091.8 2,069.8 2,049.3 2,039.7 2,035.5 2,067.4 2,216.8 2,218.7 2,222.2 2,226.0 2,215.5 2,197.8 8 Revolving home equity 394.1 413.7 418.3 424.3 427.6 440.1 478.2 481.6 483.7 484.9 485.9 484.1 9 Other residential 1,067.9 1,005.4 978.0 963.6 956.1 969.1 1,039.9 1,035.7 1,035.7 1,038.3 1,026.4 1,011.8 10 Commercial 629.8 650.7 653.0 651.9 651.7 658.2 698.7 701.4 702.8 702.9 703.1 701.9 11 Consumer 462.8 486.6 487.7 491.9 497.8 503.6 515.4 517.7 520.7 521.5 525.2 529.1 12 Credit cards and other revolving plans 131.6 131.1 131.2 134.5 137.9 142.5 155.9 158.5 160.6 161.6 165.4 168.2 13 Other 331.2 355.4 356.5 357.4 360.0 361.1 359.5 359.2 360.1 359.8 359.8 360.8 14 Security 130.7 180.5 170.7 173.6 185.7 229.0 215.6 200.4 197.6 221.0 192.3 201.3 15 Fed funds and RPs with brokers 103.7 145.5 144.8 148.4 161.3 189.2 175.0 169.8 173.7 194.6 166.1 175.8 16 Other 27.0 35.0 25.9 25.2 24.4 39.9 40.6 30.6 23.9 26.3 26.2 25.5 17 Other loans and leases 336.2 325.7 321.6 326.4 322.9 345.8 351.6 333.5 332.4 346.4 354.4 362.8 17a Fed funds and RPs with others 46.0 28.1 23.7 25.2 26.1 26.3 27.4 21.5 23.6 34.6 41.9 42.4 17b Other loans 190.7 197.6 197.8 202.0 200.9 224.3 230.4 219.1 216.1 219.3 219.8 227.3 17c Lease financing receivables 99.5 100.1 100.1 99.1 96.0 95.2 93.8 92.9 92.7 92.6 92.7 93.0 18 Interbank loans 230.2 239.6 249.2 235.6 237.9 259.9 249.2 188.5 180.0 185.4 194.3 209.1 19 Fed funds and RPs with banks 173.7 187.1 195.2 189.9 192.1 217.3 208.0 149.2 142.8 149.5 161.3 176.1 20 Other 56.4 52.5 54.0 45.7 45.7 42.6 41.2 39.2 37.2 35.9 33.0 33.0 21 Cash assets 7 156.6 143.7 133.7 131.6 127.3 197.1 321.3 422.0 435.8 457.9 524.1 471.9 22 Other assets 8 658.2 701.3 702.9 733.7 735.1 761.5 791.2 824.3 827.2 837.0 796.6 807.0 23 Total Assets 9 6,166.3 6,308.3 6,266.4 6,273.7 6,275.4 6,576.4 7,065.2 7,129.2 7,156.5 7,180.7 7,192.5 7,127.1 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 8 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1 Not seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Liabilities 24 Deposits 3,396.2 3,406.3 3,398.5 3,394.7 3,381.1 3,583.7 3,817.6 3,812.0 3,846.4 3,907.2 3,896.2 3,902.0 25 Transaction 329.9 323.3 315.6 317.3 306.5 345.5 375.9 421.6 431.3 476.9 484.8 540.2 26 Nontransaction 3,066.3 3,083.0 3,082.9 3,077.5 3,074.6 3,238.1 3,441.8 3,390.4 3,415.1 3,430.3 3,411.4 3,361.9 27 Large time 624.6 600.9 597.6 603.4 595.8 656.8 746.4 678.0 669.7 672.1 671.2 659.7 28 Other 2,441.7 2,482.1 2,485.3 2,474.1 2,478.7 2,581.4 2,695.4 2,712.4 2,745.3 2,758.1 2,740.1 2,702.1 29 Borrowings 1,069.0 1,128.2 1,118.5 1,124.7 1,161.7 1,231.1 1,398.6 1,387.3 1,342.0 1,263.7 1,296.2 1,260.5 30 From banks in the U.S. 151.2 166.2 159.1 155.4 155.9 150.6 142.4 126.2 126.2 106.9 108.3 122.6 31 From others 917.8 962.1 959.4 969.3 1,005.8 1,080.5 1,256.2 1,261.1 1,215.8 1,156.8 1,187.9 1,137.9 32 Net due to related foreign offices 474.8 528.2 529.8 524.8 504.1 492.3 516.0 560.4 570.1 609.3 556.1 596.3 33 Other liabilities 474.9 469.7 448.4 454.0 452.2 484.6 548.1 591.0 628.7 623.8 664.6 595.0 33a Derivatives with a negative fair value 11 159.5 164.1 149.0 159.2 160.9 176.4 213.2 264.5 305.4 301.4 324.8 260.8 33b Other 315.4 305.6 299.4 294.7 291.2 308.3 334.9 326.5 323.3 322.4 339.9 334.1 34 Total Liabilities 5,414.9 5,532.4 5,495.2 5,498.2 5,499.0 5,791.7 6,280.3 6,350.7 6,387.2 6,404.0 6,413.1 6,353.8 35 Residual (assets less liabilities) 10 751.4 775.8 771.2 775.5 776.4 784.7 784.9 778.5 769.3 776.7 779.4 773.3 Memoranda 36 Mortgage-backed securities 12 673.3 716.7 729.3 737.7 746.1 745.9 758.2 780.3 780.1 777.7 748.2 752.9 37 Pass-thru 458.1 477.1 490.3 501.6 515.6 519.1 532.8 563.6 575.1 568.6 537.2 541.0 38 CMO, REMIC, and other 215.2 239.6 239.0 236.1 230.5 226.8 225.4 216.7 205.0 209.0 211.0 211.9 39 Net unrealized gains (losses) on available-for-sale securities 13 -8.1 -21.3 -29.2 -35.6 -46.2 -46.5 -56.0 -74.4 -80.1 -80.3 -81.0 -83.5 40 Securitized consumer loans 14 111.9 112.5 115.6 115.1 114.2 120.9 133.3 130.6 129.9 129.5 127.8 127.6 41 Credit cards and other revolving plans 74.5 78.3 81.1 80.2 79.9 82.6 91.7 89.6 89.2 88.9 87.2 87.2 42 Other 37.4 34.2 34.5 35.0 34.3 38.3 41.6 41.0 40.7 40.6 40.5 40.3 43 Securitized real estate loans 14 1,189.8 1,215.3 1,217.3 1,231.2 1,244.5 1,268.3 1,336.1 1,339.6 1,342.3 1,342.2 1,349.8 1,351.9 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 9 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Small Domestically Chartered Commercial Banks in the United States 1 Seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 2,912.3 2,956.6 2,967.4 2,986.9 2,995.3 3,029.1 3,052.1 3,057.3 3,128.4 3,116.4 3,110.7 3,091.7 2 Securities in bank credit 602.1 586.6 585.9 593.3 587.8 583.2 578.7 586.5 657.3 649.4 649.8 642.7 3 Treasury and Agency securities 2 372.4 356.1 356.0 357.8 355.4 360.9 367.1 370.7 376.4 375.3 370.1 372.7 4 Other securities 3 229.6 230.4 229.9 235.5 232.3 222.4 211.6 215.8 280.9 274.1 279.7 270.0 5 Loans and leases in bank credit 4 2,310.2 2,370.0 2,381.6 2,393.6 2,407.5 2,445.8 2,473.4 2,470.8 2,471.1 2,466.9 2,460.9 2,449.0 6 Commercial and industrial 391.7 405.0 406.6 407.6 410.5 416.6 426.5 426.6 424.8 424.2 422.1 420.8 7 Real estate 1,473.9 1,508.9 1,517.5 1,525.2 1,535.1 1,556.4 1,572.8 1,569.3 1,565.4 1,563.3 1,560.1 1,550.7 8 Revolving home equity 88.4 94.8 96.8 96.6 97.5 100.2 103.7 103.8 103.8 103.6 103.8 103.5 9 Other residential 452.1 454.8 454.3 456.2 461.1 468.4 476.1 471.3 469.8 470.8 467.4 458.4 10 Commercial 933.5 959.3 966.4 972.5 976.5 987.8 993.0 994.2 991.8 989.0 988.9 988.8 11 Consumer 332.4 339.8 340.5 340.4 341.6 350.7 353.7 357.4 358.5 356.5 356.5 355.0 12 Credit cards and other revolving plans 207.6 213.8 213.6 214.4 218.2 219.2 216.6 220.7 222.6 226.9 226.4 224.5 13 Other 124.7 126.0 126.9 126.0 123.4 131.5 137.0 136.7 135.9 129.6 130.1 130.5 17 Other loans and leases 6 112.2 116.4 117.0 120.4 120.3 122.2 120.5 117.5 122.4 122.9 122.2 122.6 18 Interbank loans 117.2 126.7 125.2 130.4 128.7 137.2 136.0 114.2 133.8 130.5 137.2 131.4 19 Fed funds and RPs with banks 6 95.0 104.6 103.1 107.1 104.4 110.1 101.7 81.3 103.2 104.4 105.8 111.2 20 Other 22.3 22.1 22.1 23.3 24.3 27.1 34.3 32.9 30.6 26.1 31.4 20.2 21 Cash assets 7 93.0 102.2 103.1 104.6 106.6 107.4 123.5 166.5 187.7 207.3 209.0 212.2 22 Other assets 8 249.4 231.7 234.6 231.6 233.8 241.4 246.7 256.9 272.7 275.2 286.5 297.7 23 Total Assets 9 3,336.8 3,376.7 3,389.6 3,412.4 3,423.1 3,473.2 3,515.6 3,551.9 3,679.6 3,686.5 3,700.8 3,691.0 Liabilities 24 Deposits 2,268.1 2,312.1 2,318.7 2,338.0 2,349.7 2,385.0 2,412.0 2,447.3 2,504.9 2,517.0 2,533.4 2,548.8 25 Transaction 270.6 269.8 269.1 275.9 266.4 271.2 273.7 267.4 261.1 273.7 272.5 256.9 26 Nontransaction 1,997.5 2,042.3 2,049.6 2,062.1 2,083.4 2,113.8 2,138.3 2,179.8 2,243.8 2,243.3 2,260.9 2,291.8 27 Large time 405.3 412.5 414.6 417.7 416.7 419.2 422.9 431.9 459.6 461.0 466.6 466.8 28 Other 1,592.3 1,629.8 1,635.0 1,644.4 1,666.6 1,694.6 1,715.4 1,748.0 1,784.2 1,782.2 1,794.2 1,825.0 29 Borrowings 564.8 592.1 592.5 591.9 594.9 596.7 613.5 603.2 617.9 617.9 603.1 600.3 30 From banks in the U.S. 245.4 246.5 252.0 243.5 251.3 244.1 248.3 233.9 229.1 233.5 220.3 221.6 31 From others 319.4 345.7 340.5 348.4 343.6 352.6 365.2 369.3 388.8 384.4 382.7 378.7 32 Net due to related foreign offices 4.7 4.0 4.6 5.3 3.7 4.5 2.1 6.3 6.9 7.3 6.2 6.0 33 Other liabilities 77.5 80.1 80.9 80.3 80.3 81.9 80.6 88.3 136.7 135.8 139.6 136.0 34 Total Liabilities 2,915.1 2,988.3 2,996.7 3,015.5 3,028.6 3,068.0 3,108.3 3,145.1 3,266.5 3,278.0 3,282.3 3,291.0 35 Residual (assets less liabilities) 10 421.7 388.4 392.8 396.9 394.5 405.2 407.4 406.8 413.1 408.5 418.5 399.9 Memoranda 36 Mortgage-backed securities 12 248.6 249.3 249.4 272.5 270.4 279.8 276.7 268.1 266.2 266.5 265.0 269.7 40 Securitized consumer loans 14 281.4 300.1 299.3 299.8 296.4 294.1 291.1 285.2 282.8 286.8 285.2 287.1 43 Securitized real estate loans 14 36.3 35.3 28.2 28.1 32.6 35.5 35.2 34.7 34.5 34.6 34.4 34.5 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 10 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Small Domestically Chartered Commercial Banks in the United States 1 Not seasonally adjusted, adjusted for mergers, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 2,904.1 2,975.5 2,986.6 2,985.8 2,995.3 3,013.6 3,030.2 3,049.2 3,120.4 3,115.0 3,122.0 3,118.7 2 Securities in bank credit 597.2 597.9 593.0 586.3 581.1 574.6 572.9 581.6 650.1 645.2 648.8 643.0 3 Treasury and Agency securities 2 368.5 362.2 360.9 356.2 354.3 356.6 362.3 366.9 372.1 373.6 369.6 373.4 4 Other securities 3 228.6 235.6 232.1 230.1 226.8 218.0 210.6 214.6 278.0 271.7 279.2 269.5 5 Loans and leases in bank credit 4 2,306.9 2,377.7 2,393.6 2,399.5 2,414.1 2,438.9 2,457.3 2,467.6 2,470.3 2,469.8 2,473.2 2,475.8 6 Commercial and industrial 388.6 408.0 409.7 409.3 410.5 415.0 422.8 423.4 422.0 420.4 420.6 421.8 7 Real estate 1,472.3 1,517.1 1,525.8 1,529.2 1,537.4 1,550.8 1,564.3 1,567.6 1,564.8 1,566.4 1,563.4 1,561.3 8 Revolving home equity 88.4 94.7 96.1 97.4 98.4 100.5 102.4 103.8 104.1 104.4 104.6 105.0 9 Other residential 451.9 459.2 460.8 459.2 462.4 465.0 471.4 470.9 470.1 471.9 469.3 466.3 10 Commercial 932.1 963.1 968.9 972.7 976.6 985.3 990.4 993.0 990.6 990.2 989.5 990.0 11 Consumer 333.5 336.3 339.2 341.0 345.8 350.3 350.5 358.9 361.0 360.6 366.1 368.4 12 Credit cards and other revolving plans 211.4 209.6 210.6 212.6 217.5 219.2 216.0 225.0 227.1 232.1 237.7 239.5 13 Other 122.1 126.6 128.6 128.4 128.3 131.2 134.6 133.9 133.9 128.4 128.4 128.9 17 Other loans and leases 6 112.5 116.3 118.9 119.9 120.3 122.8 119.7 117.8 122.6 122.4 123.1 124.2 18 Interbank loans 119.7 122.1 121.4 122.3 124.6 131.3 131.9 115.0 139.8 137.5 137.6 129.7 19 Fed funds and RPs with banks 6 99.3 99.0 99.8 100.4 102.0 107.7 101.0 84.7 109.6 110.3 108.8 109.9 20 Other 20.4 23.1 21.6 21.9 22.6 23.6 30.9 30.3 30.2 27.2 28.8 19.8 21 Cash assets 7 93.1 103.6 103.7 104.5 104.5 106.3 121.7 167.1 189.0 202.6 211.8 213.2 22 Other assets 8 244.9 233.4 238.9 233.9 236.6 240.9 245.9 253.3 272.5 274.1 282.1 295.1 23 Total Assets 9 3,326.8 3,393.9 3,409.8 3,405.5 3,419.8 3,450.3 3,487.4 3,541.8 3,679.0 3,686.5 3,710.7 3,714.2 Liabilities 24 Deposits 2,263.2 2,318.7 2,332.1 2,341.1 2,352.1 2,371.6 2,395.6 2,441.5 2,508.6 2,525.2 2,539.6 2,542.5 25 Transaction 271.3 269.3 270.4 271.3 267.1 266.5 269.8 268.1 259.9 261.0 273.7 274.3 26 Nontransaction 1,991.9 2,049.5 2,061.7 2,069.7 2,085.0 2,105.1 2,125.8 2,173.3 2,248.7 2,264.2 2,266.0 2,268.3 27 Large time 405.4 413.5 415.2 415.9 416.6 418.0 421.6 432.2 459.9 462.0 466.0 467.1 28 Other 1,586.4 1,636.0 1,646.5 1,653.8 1,668.4 1,687.1 1,704.2 1,741.1 1,788.7 1,802.2 1,800.0 1,801.2 29 Borrowings 566.9 593.2 594.1 588.0 590.4 596.6 612.9 605.6 620.2 618.1 610.8 625.1 30 From banks in the U.S. 247.7 246.8 252.3 243.6 248.5 244.5 247.9 236.0 229.8 231.0 222.5 235.0 31 From others 319.2 346.4 341.8 344.4 341.9 352.0 365.0 369.6 390.3 387.1 388.2 390.1 32 Net due to related foreign offices 3.7 4.6 4.1 5.1 2.9 2.9 1.6 5.4 6.0 6.8 6.9 7.0 33 Other liabilities 77.5 80.3 80.6 79.4 79.6 81.2 80.6 88.5 136.8 135.5 140.5 136.8 34 Total Liabilities 2,911.2 2,996.9 3,011.0 3,013.5 3,025.0 3,052.3 3,090.7 3,140.9 3,271.6 3,285.6 3,297.7 3,311.5 35 Residual (assets less liabilities) 10 415.6 397.0 398.8 392.0 394.8 398.0 396.7 400.8 407.4 401.0 412.9 402.6 Memoranda 36 Mortgage-backed securities 12 242.7 265.7 264.9 262.7 262.6 265.7 266.5 260.9 258.6 260.0 259.4 264.2 40 Securitized consumer loans 14 283.5 296.5 296.9 296.4 295.5 294.3 293.2 287.2 286.9 289.1 287.0 290.7 43 Securitized real estate loans 14 36.8 34.9 27.6 27.5 31.7 35.1 35.2 35.2 35.2 35.2 35.2 35.2 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 11 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Foreign-Related Institutions in the United States 1 Seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 1,154.2 1,135.1 1,121.5 1,122.6 1,124.1 1,118.7 1,152.3 1,117.7 1,105.8 1,095.0 1,121.9 1,107.1 2 Securities in bank credit 474.2 466.8 457.2 468.0 464.6 454.8 475.3 464.1 455.9 455.0 486.4 479.2 3 Treasury and Agency securities 2 92.7 91.8 91.6 93.7 86.8 83.0 75.6 83.4 83.4 83.9 87.2 91.2 3a Trading account 27.6 29.4 28.3 30.1 28.3 27.5 27.3 27.8 24.6 25.1 27.5 25.9 3b Investment account 65.1 62.5 63.2 63.6 58.4 55.4 48.3 55.5 58.8 58.8 59.7 65.3 4 Other securities 381.5 375.0 365.7 374.3 377.8 371.8 399.6 380.7 372.5 371.1 399.3 388.1 4a Trading account 3 224.6 227.9 218.0 220.6 229.0 225.1 237.6 236.5 237.5 233.7 260.2 243.8 4a1 Derivatives with a positive fair 81.0 101.8 99.1 100.4 103.0 104.6 131.4 146.3 153.5 149.9 182.5 179.8 value 11 4a2 Other 143.6 126.1 118.9 120.3 126.0 120.4 106.2 90.2 84.0 83.8 77.8 64.0 4b Investment account 156.9 147.1 147.7 153.7 148.8 146.8 162.0 144.2 134.9 137.3 139.0 144.3 5 Loans and leases in bank credit 4 680.0 668.3 664.3 654.5 659.6 663.9 677.0 653.6 649.9 640.1 635.5 627.8 6 Commercial and industrial 275.1 310.9 313.2 314.4 317.0 326.3 350.8 352.9 353.7 353.7 350.2 345.1 10 Commercial real estate 35.7 40.8 42.1 42.8 44.1 43.0 40.8 39.1 39.3 38.9 39.7 39.6 14 Security 140.6 103.8 100.4 100.3 100.7 89.6 71.4 55.4 51.0 39.1 39.3 40.6 15 Fed funds and RPs with brokers 6 115.8 85.6 83.1 81.3 81.7 74.2 57.2 43.4 39.1 28.8 29.1 30.2 16 Other 24.8 18.2 17.3 19.0 19.0 15.4 14.1 12.1 11.9 10.4 10.2 10.4 17 Other loans and leases 228.6 212.8 208.6 197.1 197.7 205.0 214.1 206.2 205.9 208.3 206.3 202.5 17a Fed funds and RPs with others 6 49.6 36.4 33.0 27.9 30.9 31.2 31.9 30.1 28.8 29.5 26.7 25.4 17b Other 179.1 176.4 175.6 169.1 166.8 173.8 182.2 176.1 177.0 178.8 179.6 177.1 18 Interbank loans 79.0 75.0 68.5 65.7 66.0 68.1 60.9 46.5 44.8 35.7 34.1 25.9 19 Fed funds and RPs with banks 73.3 69.6 63.1 60.6 60.3 63.3 54.0 40.1 38.1 29.1 28.3 20.6 20 Other 5.8 5.4 5.4 5.1 5.7 4.8 6.8 6.4 6.8 6.6 5.8 5.3 21 Cash assets 7 56.7 58.1 59.6 56.1 53.2 60.8 130.1 274.5 278.6 357.6 286.5 353.5 22 Other assets 8 49.0 49.3 56.3 48.5 43.0 46.7 61.3 55.6 55.3 54.2 59.0 55.1 23 Total Assets 9 1,338.9 1,317.4 1,305.8 1,292.9 1,286.3 1,294.2 1,404.5 1,494.2 1,484.5 1,542.4 1,501.4 1,541.5 Liabilities 24 Deposits 1,017.5 1,112.8 1,124.6 1,120.9 1,127.6 1,102.9 930.7 861.5 847.3 872.0 890.0 906.0 25 Transaction 13.1 17.0 16.8 17.2 16.5 19.1 22.3 18.3 17.7 19.8 21.2 22.4 26 Nontransaction 1,004.4 1,095.8 1,107.9 1,103.7 1,111.0 1,083.8 908.4 843.1 829.5 852.3 868.8 883.7 27 Large time 1,002.3 1,091.4 1,103.5 1,100.5 1,106.5 1,078.8 903.0 837.3 823.5 846.4 862.3 876.9 29 Borrowings 586.7 607.4 602.9 605.1 603.6 607.0 621.1 610.1 595.6 565.8 550.9 588.8 30 From banks in the U.S. 60.7 71.9 69.7 72.9 67.4 84.0 57.9 39.8 40.2 30.7 30.4 30.2 31 From others 526.0 535.5 533.2 532.2 536.2 523.0 563.2 570.2 555.4 535.1 520.4 558.6 32 Net due to related foreign offices -396.0 -551.2 -564.6 -576.7 -602.0 -568.1 -332.6 -166.6 -160.2 -103.9 -152.1 -162.1 33 Other liabilities 128.7 145.8 140.3 137.2 140.5 148.1 183.4 185.8 188.2 188.0 209.1 199.0 33a Derivatives with a negative fair value 11 84.2 99.5 95.9 96.9 102.5 103.6 124.7 137.9 146.4 142.2 169.9 167.1 33b Other 44.5 46.3 44.3 40.3 38.0 44.5 58.8 47.9 41.7 45.9 39.2 31.9 34 Total Liabilities 1,336.9 1,314.7 1,303.1 1,286.5 1,269.6 1,289.9 1,402.6 1,490.7 1,470.8 1,521.9 1,497.9 1,531.7 35 Residual (assets less liabilities) 10 2.1 2.7 2.7 6.4 16.7 4.3 1.8 3.5 13.6 20.5 3.6 9.8 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- H.8 (510); Page 12 For use at 4:15 p.m. Eastern Time; January 2, 2009 Assets and Liabilities of Foreign-Related Institutions in the United States 1 Not seasonally adjusted, billions of dollars Account 2007 2008 2008 2008 2008 2008 2008 2008 Week ending Nov May Jun Jul Aug Sep Oct Nov Dec 3 Dec 10 Dec 17 Dec 24 Assets 1 Bank credit 1,162.7 1,130.0 1,113.7 1,103.9 1,110.5 1,110.5 1,150.2 1,125.5 1,119.3 1,109.2 1,130.5 1,112.9 2 Securities in bank credit 480.3 470.0 458.5 460.0 458.9 450.2 473.3 470.2 464.9 462.0 483.4 470.2 3 Treasury and Agency securities 2 93.1 92.2 90.9 92.0 87.8 83.8 76.2 83.6 84.3 85.0 86.5 90.7 3a Trading account 26.6 30.1 28.7 29.3 29.0 28.1 27.2 26.8 24.3 24.7 24.8 24.8 3b Investment account 66.5 62.1 62.2 62.6 58.8 55.6 49.1 56.8 60.0 60.4 61.7 66.0 4 Other securities 387.2 377.8 367.6 368.0 371.1 366.5 397.1 386.5 380.6 376.9 396.9 379.4 4a Trading account 3 228.8 235.0 221.5 219.3 227.1 221.8 236.6 240.4 243.3 237.4 254.0 235.4 4a1 Derivatives with a positive fair 82.6 106.8 99.3 98.5 103.0 103.2 129.9 148.5 163.5 160.6 176.7 165.5 value 11 4a2 Other 146.2 128.2 122.2 120.8 124.1 118.6 106.6 91.9 79.8 76.8 77.3 69.9 4b Investment account 158.4 142.8 146.1 148.7 144.0 144.7 160.5 146.2 137.3 139.5 142.9 144.0 5 Loans and leases in bank credit 4 682.4 660.0 655.2 643.9 651.6 660.2 676.9 655.4 654.4 647.2 647.2 642.7 6 Commercial and industrial 274.8 307.5 309.8 310.5 315.2 326.3 349.6 353.1 355.1 354.2 355.9 352.8 10 Commercial real estate 36.5 41.1 41.7 42.2 42.4 42.8 41.8 39.9 40.1 40.0 40.2 40.3 14 Security 144.4 102.4 99.1 97.0 98.0 86.7 71.4 57.3 53.1 42.8 42.3 43.0 15 Fed funds and RPs with brokers 6 118.3 86.5 83.9 80.0 79.7 72.1 57.4 44.5 40.7 31.1 30.3 30.5 16 Other 26.1 15.9 15.2 17.0 18.4 14.6 14.0 12.7 12.4 11.7 12.0 12.5 17 Other loans and leases 226.7 209.0 204.6 194.2 196.0 204.4 214.1 205.1 206.0 210.1 208.7 206.7 17a Fed funds and RPs with others 6 52.0 34.0 30.8 25.9 28.4 30.3 33.4 31.7 31.6 33.4 28.7 27.6 17b Other 174.7 175.0 173.9 168.3 167.6 174.1 180.7 173.4 174.4 176.8 180.0 179.1 18 Interbank loans 83.8 72.3 65.2 64.2 64.4 69.4 62.7 48.7 48.6 38.2 35.3 28.3 19 Fed funds and RPs with banks 77.6 67.2 60.3 59.4 59.0 64.7 55.8 42.0 41.7 31.3 29.2 22.5 20 Other 6.2 5.1 4.8 4.8 5.4 4.7 6.8 6.7 7.0 6.9 6.2 5.8 21 Cash assets 7 57.7 56.8 58.8 56.3 54.0 62.7 132.2 279.7 277.8 360.8 296.3 363.6 22 Other assets 8 47.3 50.4 57.4 48.2 43.0 48.1 59.6 53.8 54.2 55.1 58.0 55.4 23 Total Assets 9 1,351.6 1,309.5 1,295.0 1,272.5 1,271.8 1,290.6 1,404.6 1,507.6 1,499.9 1,563.2 1,520.1 1,560.1 Liabilities 24 Deposits 1,017.0 1,137.0 1,133.9 1,095.2 1,111.1 1,097.0 932.0 864.5 843.9 871.4 889.2 896.7 25 Transaction 12.8 16.8 16.5 16.8 16.3 19.0 21.8 17.9 17.3 18.8 21.4 22.7 26 Nontransaction 1,004.2 1,120.1 1,117.3 1,078.4 1,094.7 1,078.0 910.2 846.6 826.6 852.6 867.9 874.0 27 Large time 1,002.8 1,115.8 1,112.9 1,073.9 1,090.1 1,073.2 905.1 841.1 821.1 847.0 862.1 868.3 29 Borrowings 585.6 617.3 605.6 594.3 591.0 586.5 599.8 606.7 601.4 577.9 561.2 590.6 30 From banks in the U.S. 63.3 67.8 67.6 68.1 65.4 82.7 55.3 40.8 43.1 32.6 32.2 31.8 31 From others 522.3 549.5 538.0 526.3 525.6 503.8 544.5 565.9 558.3 545.3 529.0 558.8 32 Net due to related foreign offices -383.4 -597.3 -586.1 -553.2 -573.3 -543.2 -313.7 -154.4 -143.6 -85.9 -139.4 -125.1 33 Other liabilities 130.4 149.2 138.3 132.7 139.6 146.8 182.9 187.8 194.9 197.0 206.7 195.1 33a Derivatives with a negative fair value 11 86.8 103.3 95.8 94.5 101.8 102.3 125.5 141.3 155.6 151.2 165.2 155.8 33b Other 43.6 46.0 42.5 38.2 37.8 44.6 57.4 46.6 39.3 45.8 41.6 39.4 34 Total Liabilities 1,349.6 1,306.2 1,291.6 1,269.1 1,268.4 1,287.2 1,401.0 1,504.6 1,496.7 1,560.5 1,517.8 1,557.4 35 Residual (assets less liabilities) 10 2.0 3.3 3.4 3.4 3.3 3.4 3.6 3.0 3.2 2.7 2.4 2.7 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Footnotes 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 domestically chartered); other domestically chartered commercial banks (small domestically chartered); 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 domestically chartered banks constitute a universe; data for small domestically chartered 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 domestically chartered 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. Includes other trading assets. 4. Excludes unearned income. Includes the allowance for loan and lease losses. 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 18. 5. Data for small domestically chartered banks are estimates based largely on quarter-end condition reports. Security loans for these banks are included in other loans and leases (line 17) on pages 9 and 10. 6. Lines 15, 17, and 19 include fed funds by counterparty. Small domestically chartered banks report only the total, which is distributed as 85 percent with banks (line 19), 10 percent with brokers (line 15), and 5 percent with others (line 17). Before July 4, 2007, foreign-related institutions reported the sum of fed funds and RPs with brokers and others, distributed as 80 percent with brokers (line 15) and 20 percent with others (line 17). 7. Includes vault cash, cash items in process of collection, balances due from depository institutions, and balances due from Federal Reserve Banks. 8. Excludes the due-from position with related foreign offices, which is included in line 32. 9. Excludes the allowance for loan and lease losses and the allocated transfer risk reserve. 10. 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. 11. 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 39. 12. Includes mortgage-backed securities issued by U.S. government agencies, U.S. government-sponsored enterprises, and private entities. 13. Difference between fair value and historical cost for securities classified as available-for-sale under FASB Statement 115. Data have been adjusted to include an estimate of tax effects, omitted from the reported data. 14. Includes the outstanding principal balance of assets sold and securitized by commercial banks with servicing retained or with recourse or other seller-provided credit enhancements. ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Current and historical H.8 data are available on the Federal Reserve Board's web site (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. -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------