Notice to users of the H.8 release: Data on the attached H.

8 have been benchmarked
through the September 2002 Call Report. Data on the previous release were
benchmarked
through the June 2002 Call Report. In addition, some revisions have been made to
balance sheet data for foreign-related institutions back to 2000.
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
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

5,728.9

5,753.3

5,460.4
5,499.4
5,836.4
5,830.2
5,839.3

A S S E T S

1
Bank credit
5,541.3
5,591.2
5,839.1
5,909.4

5,672.6

2
Securities in bank credit
1,494.9
1,535.5
1,562.5
1,594.2
1,632.5
1,642.3
1,637.6
1,687.2
1,681.7
1,676.2
1,679.0
1,718.9
3
Treasury and Agency securities (2)
839.9
893.8
909.3
918.7
946.1
962.4
970.1
1,000.2
997.1
1,007.2
1,005.8
1,024.9
4
Other securities
655.0
641.8
653.2
675.5
686.4
679.9
667.5
686.9
684.7
669.0
673.2
694.0
5
Loans and leases in bank credit
3,978.8
3,997.0
4,040.1
4,086.6
4,160.2
4,190.5
6
Commercial and industrial
994.1
982.2
982.0
975.4
969.9
968.0
7
Real estate
1,838.5
1,869.3
1,900.8
1,935.1
2,012.0
2,029.2
8
Revolving home equity
186.1
192.9
197.7
201.0
209.8
211.1
9
Other

(3)
4,115.7

3,965.5
3,963.9
4,149.2
4,148.5
4,163.0

970.3

967.7

1,967.2

1,772.4
1,816.7
1,999.9
1,990.7
1,999.1

204.9

207.8

1,040.5
1,001.8
967.7
971.8

152.6
179.6
207.9
208.9
1,619.8

1,637.1

1,652.5
1,802.2
10
568.6
584.7
11
169.7
184.9
12
407.9
408.7

1,676.4
1,703.1
1,734.1
1,818.1
Consumer
564.7
574.8
582.8
587.0
Security (4)
177.4
176.0
180.7
197.9
Other loans and leases
403.4
406.5
412.7
408.4

1,762.3

1,792.1

1,782.7

1,790.1

584.8

585.7

558.8
569.9
586.7
587.5

182.1

186.1

154.6
169.1
191.9
194.7

411.2

409.8

439.2
406.5
411.5
410.0

13 Interbank loans
282.4
288.6
305.6
319.0
326.7

318.4

327.3

328.2

286.3
288.4
330.0
339.6

14 Cash assets (5)
306.7
309.4
318.1
300.5
326.4

317.2

318.6

315.1

297.0
301.5
301.1
331.7

15 Other assets (6)
475.6
484.0
499.5
509.5
529.8

498.4

510.8

518.7

495.0
482.1
518.7
509.1

16 TOTAL ASSETS (7)
6,530.4
6,597.9
6,720.8
6,892.4
7,016.4

6,788.0

6,834.6

6,467.0
6,495.5
6,922.7
6,904.3
6,944.1

4,473.4

4,482.5

4,198.1
4,358.7
4,500.0
4,478.5
4,528.3

584.0

611.4

606.2

3,889.4

3,871.0

3,562.3
3,749.8
3,893.9
3,879.0
3,865.5

1,044.3

1,026.4

1,004.5

2,845.1

2,844.6

2,580.1
2,707.3
2,889.4
2,871.1
2,865.5

1,328.2

1,251.0
1,235.3
1,364.1
1,352.9
1,384.9

415.5

421.3

401.5
380.8
413.0
430.3

912.7

942.8

849.6
854.5
939.9
954.6

L I A B I L I T I E S
17 Deposits
4,377.4
4,414.0
4,460.5
4,492.8
4,489.3
18
Transaction
597.4
612.2
599.1
579.8
589.8
19
Nontransaction
3,780.0
3,801.8
3,861.4
3,913.1
3,899.5
20
Large time
1,036.1
1,048.1
1,049.2
994.8
986.9
21
Other
2,743.9
2,753.7
2,812.2
2,918.3
2,912.6

22 Borrowings
1,225.9
1,231.7
1,292.7
1,321.5
1,343.9
1,427.2
23
From banks in the U.S.
373.9
386.2
405.1
416.5
414.7
424.0
24
From others
852.0
845.5
887.6
905.0
929.1
1,003.1
25
89.6

Net due to related foreign offices
99.2
94.1
100.3
119.2

121.8

635.8
608.8
599.5
662.8

982.2
1,042.5
1,007.8
1,000.0

169.3
124.0

89.0
104.8

135.0

148.8

26 Other liabilities
386.0
408.0
430.4
431.3
457.6

434.9

437.2

444.5

27 TOTAL LIABILITIES
6,078.8
6,152.9
6,277.7
6,403.0
6,522.9

6,330.0

6,367.1

6,023.3
6,032.0
6,430.5
6,396.8
6,445.6

28 Residual (assets less liabilities) (8)
451.6
445.0
443.1
457.9
467.5
489.4
493.6

492.2

404.8
349.0
441.3
427.6

443.7
463.6
507.5
498.5

------------------------------------------------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
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

5,722.1

5,757.3

5,475.9
5,493.3
5,853.0
5,837.2
5,855.4

A S S E T S

1
Bank credit
5,535.8
5,564.5
5,864.4
5,936.6

5,650.2

2
Securities in bank credit
1,498.6
1,532.8
1,558.3
1,580.1
1,623.9
1,638.6
1,636.9
1,691.4
1,684.1
1,679.7
1,690.6
1,728.1
3
Treasury and Agency securities (2)
840.6
891.4
906.5
910.4
939.8
958.9
966.3
1,001.1
996.6
1,008.2
1,013.6
1,031.8
4
Other securities
658.0
641.3
651.8
669.7
684.0
679.7
670.6
690.3
687.5
671.5
677.0
696.3
5

Loans and leases in bank credit (3)

3,977.4

3,960.5

3,977.5
4,173.8
6
996.3
968.5
7
1,839.5
2,016.6
8
186.3
210.2
9
1,653.2
1,806.5
10
564.5
589.1
10a
221.0
232.6
10b
343.4
356.5
11
168.7
188.6
12
408.5
411.0

3,984.4
4,026.3
4,083.5
4,120.4
4,208.6
Commercial and industrial
981.1
976.6
973.3
971.6
962.4
Real estate
1,868.7
1,901.9
1,937.2
1,969.3
2,036.0
Revolving home equity
192.7
197.8
202.0
205.5
211.4
Other
1,675.9
1,704.1
1,735.2
1,763.8
1,824.6
Consumer
558.8
571.3
582.3
585.4
593.2
Credit card and related plans
215.3
224.4
231.2
232.0
235.8
Other
343.5
346.9
351.1
353.4
357.3
Security (4)
172.8
171.5
178.8
184.5
208.8
Other loans and leases
403.1
405.0
411.9
409.6
408.2

4,161.6
969.0

4,153.1

4,175.7

1,042.1
1,005.3
968.9
971.6

1,776.9
1,819.3
2,005.0
1,993.8
2,003.7
208.6

153.2
179.9
208.8
209.6

1,623.7
1,639.3
1,796.4
1,785.0
1,794.0
588.2

561.3
568.1
589.4
592.0

231.6

225.4
222.9
232.7
234.7

356.6

335.9
345.3
356.7
357.3

189.8

157.9
162.6
190.2
199.2

409.5

439.3
405.1
410.7
409.2

13 Interbank loans
284.5
282.8
299.2
332.3
334.7

310.6

321.9

332.1

289.9
285.0
329.4
336.0

14 Cash assets (5)
299.0
300.2
303.8
312.7
324.6

314.1

321.0

325.1

306.2
298.8
307.8
343.2

15 Other assets (6)
473.9
482.8
496.8
513.5
529.2

500.9

509.5

519.9

496.2
481.8
516.0
508.3

16 TOTAL ASSETS (7)
6,517.5
6,555.1
6,674.8
6,946.8
7,048.8

6,772.4

6,834.6

6,496.4
6,482.9
6,954.2
6,914.5
6,967.1

4,441.4

4,467.4

4,217.3
4,351.6
4,519.9
4,489.9
4,539.7

577.9

606.2

611.8

3,863.5

3,861.1

3,575.4
3,750.8
3,908.1
3,887.4
3,869.6

L I A B I L I T I E S
17 Deposits
4,365.2
4,384.9
4,413.7
4,535.5
4,523.1
18
Transaction
594.4
604.7
583.8
591.9
590.6
19
Nontransaction
3,770.8
3,780.1
3,829.9
3,943.6
3,932.5
20
Large time

641.8
600.8
602.4
670.1

989.0

1,046.1

1,033.8
1,006.1
21
2,737.0
2,937.5

1,037.1
1,001.9
Other
2,743.0
2,930.6

1,033.5

1,029.7

1,020.3

1,011.5

2,796.4

2,833.8

2,840.8

2,586.5
2,704.7
2,896.6
2,873.3
2,859.2

1,330.2

1,254.1
1,241.7
1,367.2
1,353.1
1,383.3

413.7

418.4

398.8
382.1
408.2
425.0

916.4

948.8

855.4
859.7
944.9
958.4

22 Borrowings
1,225.0
1,221.7
1,272.6
1,318.9
1,347.2
1,414.0
23
From banks in the U.S.
371.4
382.2
399.9
409.6
414.8
421.9
24
From others
853.6
839.6
872.7
909.3
932.4
992.1

25 Net due to related foreign offices
85.7
90.0
91.1
100.8
118.6
136.7
153.5

125.5

1,014.1

172.6
128.0

1,010.4

88.6
113.3

26 Other liabilities
383.0
399.1
427.6
434.3
463.6

435.0

437.3

450.2

27 TOTAL LIABILITIES
6,058.9
6,095.7
6,205.0
6,453.7
6,554.1

6,296.1

6,353.4

6,054.5
6,030.4
6,462.7
6,418.5
6,474.2

28 Residual (assets less liabilities) (8)
458.7
459.4
469.8
476.3
481.2
493.1
494.6

491.4

410.5
348.5
447.5
437.9

441.9
452.5
496.0
492.9

------------------------------------------------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
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002

2002

Sep

Oct

Nov

--------

--------

--------

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4
-------- --------------------- -------

A S S E T S

1
Bank credit
4,935.0
4,976.7
5,221.4
5,258.0

5,051.8

5,111.3

5,144.8

4,860.6
4,903.0
5,215.7
5,207.7
5,216.4

2
Securities in bank credit
1,324.2
1,353.0
1,382.5
1,395.7
1,397.4
1,433.2
1,451.4
3
Treasury and Agency securities (2)
832.8
841.9
863.8
875.7
882.5
914.6
917.7
4
Other securities
491.4
511.2
518.7
520.0
514.8
518.5
533.7

1,254.4
1,304.4
1,438.3
1,433.5
1,433.1

5
Loans and leases in bank credit
3,610.8
3,623.7
3,669.3
3,715.6
3,788.2
3,806.6
6
Commercial and industrial
800.3
790.7
792.2
790.0
788.9
787.2
7
Real estate
1,820.1
1,850.5
1,882.0
1,916.1
1,992.8
2,009.7
8
Revolving home equity
186.1
192.9
197.7
201.0
209.8
211.1
9
Other
1,634.1
1,657.6
1,684.3
1,715.1
1,783.0
1,798.5
10
Consumer
568.6
564.7
574.8
582.8
584.7
587.0
11
Security (4)
84.1
86.6
85.6
86.1
78.4
80.6
12
Other loans and leases
337.6
331.2
334.8
340.7
343.4
342.2

(3)
3,747.4

3,606.2
3,598.6
3,777.4
3,774.2
3,783.3

789.1

788.6

1,947.7

1,754.7
1,798.5
1,980.1
1,970.8
1,979.5

204.9

207.8

1,742.8

1,602.1
1,619.0
1,772.3
1,762.8
1,770.6

584.8

585.7

85.5

81.0

340.3

342.0

371.2
336.9
344.1
341.9

907.4

755.9
819.9
903.1
915.2

530.9

498.5
484.5
530.4
517.8

844.5
804.3
789.3
792.0

152.6
179.6
207.9
208.9

558.8
569.9
586.7
587.5
77.1
83.4

88.8
82.4

13 Interbank loans
262.2
271.1
287.1
292.3
290.1

296.7

301.8

301.6

261.1
265.0
301.9
314.6

14 Cash assets (5)
261.2
263.4
271.6
260.3
286.0

271.2

273.3

274.2

258.6
256.3
261.4
290.4

15 Other assets (6)
447.8
454.5
470.5
471.8
489.2

470.3

477.7

480.6

459.0
455.7
480.5
472.2

16

TOTAL ASSETS (7)

5,768.1

5,804.4

5,830.9
6,170.4

5,890.9
6,247.9

6,006.4

6,074.9

6,122.6

6,196.7

6,176.1

6,218.3

3,987.4

4,016.5

3,768.4
3,853.5
4,051.6
4,024.0
4,084.5

573.9

601.6

596.7

3,413.5

3,414.9

3,143.4
3,255.3
3,454.9
3,433.6
3,431.2

574.3

577.8

573.7

2,839.2

2,837.1

2,577.6
2,705.1
2,881.1
2,860.2
2,860.1

1,098.7

1,042.4
1,045.9
1,109.4
1,106.1
1,122.1

392.4

395.7

377.8
359.8
389.1
400.1

706.4

713.7

664.5
686.1
717.0
722.1

25 Net due to related foreign offices
175.7
181.0
179.7
184.1
191.9
208.6
207.6

196.8

189.2
180.0
195.9
184.6

26 Other liabilities
300.5
317.1
333.6
332.4
353.0

342.7

340.2

345.4

323.0
272.5
346.5
334.6

27 TOTAL LIABILITIES
5,381.4
5,443.7
5,557.7
5,680.1
5,754.9

5,612.3

5,647.3

5,323.0
5,351.9
5,703.2
5,672.4
5,725.7

L I A B I L I T I E S
17 Deposits
3,872.2
3,915.2
3,965.5
4,049.9
4,057.4
18
Transaction
587.1
602.3
589.1
570.6
580.8
19
Nontransaction
3,285.1
3,312.8
3,376.4
3,479.2
3,476.6
20
Large time
543.8
562.3
569.9
567.7
565.7
21
Other
2,741.3
2,750.5
2,806.5
2,911.5
2,910.9

22 Borrowings
1,033.0
1,030.4
1,078.9
1,098.2
1,089.2
1,137.0
23
From banks in the U.S.
352.5
365.4
383.5
393.8
385.3
398.5
24
From others
680.4
665.0
695.4
704.4
703.9
738.5

28 Residual (assets less liabilities) (8)
449.5
447.2
448.8
462.5
475.3
490.4
492.9

493.5

624.9
598.3
590.4
653.3

565.8
550.2
573.3
571.1

445.1
452.5
503.7
492.6

------------------------------------------------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
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

5,107.8

5,148.8

4,873.5
4,900.8
5,229.5
5,217.1
5,228.8

A S S E T S

1
Bank credit
4,932.5
4,956.2
5,243.6
5,276.8

5,035.6

2
Securities in bank credit
1,320.0
1,338.9
1,373.9
1,392.0
1,396.7
1,444.8
1,460.5
3
Treasury and Agency securities (2)
830.0
833.6
857.6
872.2
878.7
922.5
924.6
4
Other securities
490.0
505.3
516.3
519.7
518.0
522.4
536.0

1,258.0
1,301.7
1,442.5
1,435.9
1,436.5

5
Loans and leases in bank credit (3)
3,612.4
3,617.3
3,661.7
3,715.8
3,752.1
3,798.8
3,816.3
6
Commercial and industrial
803.7
791.0
788.2
788.0
789.8
786.8
781.9
7
Real estate
1,821.1
1,849.9
1,883.1
1,918.2
1,949.8
1,997.4
2,016.4
8
Revolving home equity
186.3
192.7
197.8
202.0
205.5
210.2
211.4
9
Other
1,634.8
1,657.1
1,685.3
1,716.2
1,744.3
1,787.2
1,805.1
10
Consumer
564.5
558.8
571.3
582.3
585.4
589.1
593.2
10a
Credit card and related plans
221.0
215.3
224.4
231.2
232.0
232.6
235.8
10d
Other
343.4
343.5
346.9
351.1
353.4
356.5
357.3
11
Security (4)

3,615.4
3,599.1
3,786.9
3,781.2
3,792.3

908.3

756.6
817.6
902.7
916.2

534.3

501.4
484.1
533.2
520.4

788.4

844.4
810.2
788.8
790.5

1,759.2
1,801.1
1,985.2
1,973.9
1,984.1
208.6

153.2
179.9
208.8
209.6

1,606.0
1,621.2
1,776.6
1,765.2
1,774.5
588.2

561.3
568.1
589.4
592.0

231.6

225.4
222.9
232.7
234.7

356.6

335.9
345.3
356.7
357.3
79.3

83.6

84.7
80.6
12
338.5
344.9

85.4
84.5
87.1
83.7
Other loans and leases
332.2
334.6
340.3
341.1

87.7

83.4

85.7

84.7

339.4

341.7

371.2
336.1
343.3
341.0

13 Interbank loans
264.3
265.3
280.7
305.6
298.0

288.8

296.5

305.5

264.7
261.5
301.2
310.9

14 Cash assets (5)
255.5
256.1
258.7
269.9
282.5

268.0

274.7

281.6

265.6
255.0
265.7
299.4

15 Other assets (6)
447.2
454.4
468.3
475.0
487.0

472.3

477.0

482.0

460.4
455.4
478.3
471.1

16 TOTAL ASSETS (7)
5,824.2
5,857.2
5,968.5
6,218.4
6,268.4

6,062.1

6,122.4

5,792.7
5,797.2
6,223.1
6,186.7
6,234.9

3,967.4

4,008.8

3,784.1
3,841.4
4,067.8
4,032.0
4,088.3

567.6

596.3

602.2

3,399.8

3,412.4

3,153.2
3,250.8
3,465.6
3,438.8
3,427.9

571.7

579.0

577.3

2,828.1

2,833.5

2,584.0
2,702.4
2,888.3
2,862.4
2,853.7

1,100.7

1,045.5
1,052.3
1,112.6
1,106.3
1,120.6

390.6

392.9

375.1
361.0
384.3
394.7

710.1

719.7

670.3
691.3
722.0
725.9

25 Net due to related foreign offices
174.5
175.8
178.7
183.6
192.5
212.1
212.1

201.5

193.9
179.6
201.1
191.4

26 Other liabilities
298.9
310.4
332.0
336.9
358.9

351.8

329.2
272.1
353.4
343.7

L I A B I L I T I E S
17 Deposits
3,861.8
3,895.0
3,933.0
4,085.8
4,080.9
18
Transaction
584.3
594.9
574.0
582.5
581.3
19
Nontransaction
3,277.5
3,300.1
3,359.1
3,503.3
3,499.5
20
Large time
543.0
560.2
568.3
572.7
570.7
21
Other
2,734.4
2,739.9
2,790.8
2,930.6
2,928.8

22 Borrowings
1,032.1
1,020.4
1,058.8
1,095.6
1,092.6
1,123.8
23
From banks in the U.S.
350.1
361.4
378.3
386.9
385.4
396.3
24
From others
682.0
659.0
680.5
708.7
707.1
727.5

342.2

341.1

630.9
590.7
593.1
660.4

569.2
548.3
576.5
574.2

27 TOTAL LIABILITIES
5,367.3
5,401.7
5,502.6
5,727.3
5,775.7

5,588.8

5,643.1

28 Residual (assets less liabilities) (8)
456.9
455.6
465.9
473.3
479.2
491.1
492.7

5,352.7
5,345.4
5,733.7
5,692.8
5,744.0

489.5

440.1
451.8
494.0
490.9

------------------------------------------------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
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

2,720.0

2,733.6

2,650.5
2,582.5
2,787.4
2,779.4
2,783.8

A S S E T S

1
Bank credit
2,601.6
2,635.3
2,786.6
2,820.7
2
683.6
769.4
3
400.1
458.2
3a
42.4
47.6
3b
357.8
410.6
4

2,683.2

Securities in bank credit
713.2
736.6
745.4
743.3
790.3
Treasury and Agency securities (2)
410.9
427.5
432.0
435.2
463.8
Trading account
43.1
48.0
42.6
37.8
47.6
Investment account
367.9
379.5
389.3
397.5
416.3
Other securities

779.7

652.2
664.1
776.7
773.3

455.4

371.0
390.5
452.8
461.6

48.1
407.4

40.5
46.6

43.0
50.8

330.5
347.5
406.2
410.8
281.2

273.6

283.5
311.1
4a
148.3
158.0
4b
135.2
153.1
4c
27.3
29.0
4d
107.8
124.1

302.3
309.1
313.5
308.0
326.4
Trading account
168.8
174.5
172.7
161.5
170.7
Investment account
133.5
134.6
140.8
146.5
155.8
State and local government
28.3
28.0
28.4
28.7
29.3
Other
105.3
106.5
112.4
117.8
126.5

5
Loans and leases in bank credit (3)
1,918.0
1,922.0
1,946.7
1,974.5
1,990.3
2,017.2
2,030.4
6
Commercial and industrial
500.5
489.2
488.2
484.6
482.9
481.0
479.7
7
Real estate
861.9
882.0
901.0
921.9
941.4
975.9
989.5
8
Revolving home equity
116.9
121.6
124.6
126.8
129.5
133.3
134.6
9
Other
745.0
760.4
776.5
795.1
811.8
842.6
854.9
10
Consumer
242.4
243.1
248.6
254.1
255.1
253.6
253.7
11
Security (4)
76.7
78.9
77.6
77.9
77.1
70.2
72.3
11a
Fed funds and RPs with broker/dealer
64.7
66.4
66.3
67.9
66.8
60.3
61.6
11b
Other
12.0
12.5
11.3
10.0
10.3
9.9
10.8
12a
State and local government
13.0
12.8
12.9
13.0
12.9
12.0
11.8
12b
Agricultural
9.1
9.0
8.2
8.2
8.1
8.1
8.1
12c
Fed funds and RPs with others
17.6
13.7
16.6
19.8
19.2
19.6
19.6
12d
All other loans
70.0
67.1
67.5
69.2
69.4
74.0
73.4
12e
Lease financing receivables
126.8
126.3
126.1
125.9
124.2
122.7
122.3

324.3

323.9

311.7

171.8

165.4
140.5
169.2
158.9

152.5

115.8
133.1
154.7
152.8

29.1

27.1
29.3

26.9
29.3

123.3

88.7
106.2
125.4
123.5

1,998.3
1,918.4
2,007.6
2,002.8
2,010.6
481.2

547.1
504.7
481.7
483.3

964.9

862.7
848.8
955.4
966.9

131.7

96.8
112.4
131.9
132.8

833.2

765.9
736.4
823.6
834.1

254.7

247.2
246.6
254.2
254.5

72.7

69.4
75.3

81.6
73.5

62.0

54.7
64.1

69.4
62.8

10.7

14.7
11.2

12.3
10.8

12.1

15.7
12.1

13.0
12.1

8.1

10.0
8.1

18.5

31.1
19.2

19.1
15.1

72.4

79.0
74.0

67.6
74.4

123.0

9.2
8.1

136.1
127.8
122.8
122.7

13 Interbank loans
163.4
164.9
176.5
182.0
174.8
172.4
13a
Fed funds and RPs with banks
77.2
77.2
86.8
89.2
83.2
79.3
13b
Other
86.2
87.7
89.7
92.8
91.6
93.1

157.0
171.5
182.1
181.1

181.6

180.2

84.0

87.3

94.7
88.8

87.2
84.8

97.6

92.9

62.2
93.3

84.2
96.2

14 Cash assets (5)
143.2
142.5
146.9
134.8
154.0

144.3

144.1

145.0

151.2
141.3
135.8
157.2

15 Other assets (6)
303.0
310.5
321.6
316.7
328.7

319.4

328.0

327.9

330.2
308.4
328.5
327.6

16 TOTAL ASSETS (7)
3,167.1
3,209.2
3,284.9
3,369.9
3,432.7

3,322.8

3,344.3

3,248.2
3,159.2
3,397.3
3,382.6
3,406.7

------------------------------------------------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)
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

1,883.2

1,899.5

1,807.1
1,814.7
1,924.0
1,905.4
1,942.7

268.3

286.9

282.5

1,614.9

1,612.6

1,483.8
1,523.6
1,641.5
1,628.0
1,627.4

L I A B I L I T I E S
17 Deposits
1,817.5
1,846.8
1,872.5
1,926.4
1,924.0
18
Transaction
286.7
292.2
282.4
268.5
274.1
19
Nontransaction
1,530.8
1,554.6
1,590.2
1,657.9
1,649.9

323.4
291.1
277.4
315.3

20
244.3
260.1
21
1,286.5
1,397.7

Large time
261.5
268.3
258.2
Other
1,293.1
1,321.9
1,391.7

255.3
249.2
266.1
264.2

271.8

272.7

267.2

1,343.1

1,339.9

1,228.5
1,274.4
1,374.3
1,361.9
1,363.2

669.3

680.0

666.8
658.0
672.9
690.8

205.4

210.7

209.2
190.0
202.3
215.5

463.8

469.3

457.5
468.0
470.7
475.3

25 Net due to related foreign offices
164.0
171.2
171.2
175.4
179.5
196.4
195.4

185.5

178.8
168.3
186.6
175.4

26 Other liabilities
225.3
241.7
255.0
249.7
270.1

262.0

258.5

261.5

258.5
198.3
262.0
251.5

27 TOTAL LIABILITIES
2,850.0
2,896.3
2,969.0
3,028.6
3,089.0

2,993.2

3,006.8

2,911.2
2,839.3
3,051.1
3,027.0
3,060.4

22 Borrowings
643.2
636.6
670.3
672.6
656.2
699.6
23
From banks in the U.S.
181.7
191.3
201.0
206.6
198.7
209.0
24
From others
461.5
445.3
469.3
466.0
457.5
490.6

28 Residual (assets less liabilities) (8)
317.1
312.9
315.9
329.5
337.5
341.3
343.7

346.2

336.9
319.9
355.5
346.3

------------------------------------------------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
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2002

2002

Sep

Oct

Nov

--------

--------

--------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4
-------- ---------------------------

A S S E T S

1
Bank credit
2,601.8
2,620.0
2,803.0
2,829.4
2
680.0
780.5
3
397.9
465.6
3a
42.2
48.4
3b
355.7
417.2
3c
277.5
332.4
3d
78.2
84.9
3e
14.9
22.2
3f
50.0
46.8
3g
13.3
15.8
4
282.1
314.9
4a
147.5
159.9
4b
134.5
155.0
4c
27.2
29.4
4d
107.3
125.7

2,669.9

2,714.4

2,732.2

Securities in bank credit
701.2
730.3
742.8
743.8
796.9
Treasury and Agency securities (2)
404.7
423.6
429.5
432.6
468.2
Trading account
42.4
47.6
42.4
37.6
48.0
Investment account
362.3
376.0
387.1
395.1
420.1
Mortgage-backed
287.3
304.5
308.0
312.9
328.1
Other
75.0
71.4
79.1
82.2
92.0
1 year or less
18.7
17.4
19.9
21.8
22.1
Between 1 and 5 years
43.7
42.2
46.3
49.9
54.0
More than 5 years
12.7
11.8
12.9
10.4
15.9
Other securities
296.5
306.7
313.2
311.2
328.7
Trading account
165.5
173.1
172.6
163.2
171.8
Investment account
131.0
133.6
140.7
148.0
156.9
State and local government
27.7
27.8
28.4
29.0
29.5
Other
103.3
105.7
112.3
119.0
127.3

5
Loans and leases in bank credit (3)
1,921.8
1,918.7
1,939.6
1,971.6
1,988.4
2,022.5
2,032.5
6
Commercial and industrial
501.8
488.9
485.7
484.3
483.6
480.1
475.2

2,658.1
2,582.5
2,795.4
2,784.8
2,789.4

784.1

656.0
662.1
779.6
776.0

456.5

371.8
389.0
452.9
461.8

48.2

40.6
46.6

42.8
50.8

408.3

331.2
346.2
406.3
411.0

324.4

266.6
272.0
319.2
324.4

83.8

64.6
87.1

74.1
86.6

23.2

18.5
24.1

16.1
23.9

47.1

31.2
47.9

45.1
46.8

13.5

14.9
15.0

12.9
15.8

327.7

284.2
273.1
326.7
314.2

173.6

167.1
140.2
170.7
160.2

154.0

117.1
132.9
156.0
154.0

29.4

27.4
29.5

26.9
29.6

124.6

89.6
106.0
126.5
124.5

2,002.1
1,920.4
2,011.3
2,005.2
2,013.4
482.1

548.0
508.1
482.7
483.0

7
863.8
979.1
8
117.3
133.3
9a
435.1
529.6
9b
311.4
316.2
10
242.3
253.9
10a
72.1
73.1
10f
170.2
180.8
11
77.4
71.8
11a
65.3
61.7
11b
12.1
10.1
12a
13.0
12.0
12b
9.3
8.0
12c
17.6
19.6
12d
70.4
75.4
12e
126.4
122.5

Real estate
882.2
901.5
922.3
940.2
993.7
Revolving home equity
121.9
124.9
127.3
129.5
134.3
Other residential
448.7
464.4
482.2
495.3
543.4
Commercial
311.6
312.1
312.8
315.4
316.0
Consumer
241.2
246.4
251.6
252.2
254.8
Credit card and related plans
70.9
73.6
75.9
74.8
73.4
Other
170.3
172.8
175.6
177.4
181.4
Security (4)
77.8
76.5
79.1
79.4
75.0
Fed funds and RPs with broker/dealer
65.5
65.3
69.0
68.8
63.9
Other
12.3
11.2
10.1
10.6
11.2
State and local government
12.8
12.9
13.0
12.9
11.8
Agricultural
9.2
8.2
8.2
8.0
8.0
Fed funds and RPs with others
13.7
16.6
19.8
19.2
19.6
All other loans
67.3
67.0
69.4
69.3
72.1
Lease financing receivables
125.6
124.8
124.0
123.6
122.2

13 Interbank loans
168.5
164.0
171.9
177.0
179.7
173.1
13a
Fed funds and RPs with banks
79.5
76.8
84.6
86.8
85.5
79.6
13b
Other
88.9
87.2
87.3
90.2
94.2
93.5
14 Cash assets (5)
139.1
137.1
137.9

141.6

966.9

864.5
852.2
956.4
968.0

131.9

96.9
112.9
132.2
132.9

518.6

451.2
426.1
507.6
518.7

316.4

316.3
313.2
316.7
316.3

253.4

246.0
247.3
252.7
254.1

73.0
180.4

78.3
72.3

74.4
72.9

167.6
172.8
180.5
181.2

74.7

71.3
77.3

76.6
75.7

63.7

56.2
65.8

65.0
64.6

11.0

15.1
11.5

11.5
11.1

12.1

15.7
12.1

13.0
12.1

9.9
8.0

9.3
8.0

18.5

31.5
19.2

19.1
15.1

72.9

79.5
74.2

67.0
74.9

8.0

122.7

135.7
127.8
122.5
122.4

177.2

182.0

158.6
172.6
181.1
182.9

82.0

88.2

95.7
88.3

87.8
85.7

95.2

93.9

62.9
92.8

84.8
97.2

145.0

148.0

154.3
140.8
136.3
160.1

139.1

151.4

15 Other assets (6)
302.5
310.4
319.3
319.9
326.4

321.4

327.4

329.3

331.6
308.0
326.4
326.6

16 TOTAL ASSETS (7)
3,167.7
3,187.6
3,255.6
3,398.2
3,436.8

3,311.2

3,339.2

3,261.8
3,159.5
3,411.5
3,385.1
3,415.8

------------------------------------------------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)
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

1,874.5

1,896.5

1,816.1
1,809.2
1,933.1
1,910.4
1,943.9

263.9

282.9

285.5

1,610.6

1,613.6

1,489.2
1,521.0
1,647.6
1,630.9
1,623.6

269.3

274.0

270.8

1,341.3

1,339.6

1,230.5
1,273.7
1,376.8
1,361.8
1,356.3

671.2

683.2

669.8
664.4
673.2
689.3

203.7

207.9

206.5
191.3
197.5
210.2

L I A B I L I T I E S
17 Deposits
1,816.0
1,838.7
1,856.1
1,943.6
1,929.8
18
Transaction
285.2
287.2
270.9
274.5
272.6
19
Nontransaction
1,530.8
1,551.5
1,585.2
1,669.1
1,657.2
20
Large time
243.5
259.3
266.6
265.1
263.2
21
Other
1,287.3
1,292.2
1,318.6
1,404.0
1,394.0

22 Borrowings
642.3
626.6
650.2
670.0
659.6
686.4
23
From banks in the U.S.
179.3
187.3
195.8
199.8
198.8
206.9
24
From others

326.9
288.3
279.4
320.3

258.7
247.3
269.2
267.3

463.3

473.2

463.1
460.7

439.4
479.5

454.4

470.2

467.5

475.3

25 Net due to related foreign offices
162.8
166.0
170.2
175.0
180.2
199.9
199.9

190.2

183.5
168.0
191.9
182.2

26 Other liabilities
223.7
235.1
253.4
254.1
276.0

261.5

259.4

267.9

264.8
197.8
268.9
260.7

27 TOTAL LIABILITIES
2,844.8
2,866.5
2,929.9
3,057.1
3,092.2

2,981.0

3,007.3

2,934.2
2,839.5
3,074.4
3,044.3
3,076.0

28 Residual (assets less liabilities) (8)
322.9
321.2
325.7
330.2
331.9
341.0
344.6

337.1

475.7

479.1

327.6
320.0
340.8
339.8

------------------------------------------------Footnotes appear on page 14.

H.8 (510)
Page 9
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2002

2002

Sep

Oct

Nov

--------

--------

--------

A S S E T S

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4
-------- ---------------------------

1
Bank credit
2,333.3
2,341.5
2,434.8
2,437.3
2
640.6
663.8
3
432.6
456.4
4
208.0
207.4

2,368.6

2,391.4

2,411.2

Securities in bank credit
639.8
646.0
650.3
654.1
661.1
Treasury and Agency securities (2)
430.9
436.3
443.7
447.3
453.9
Other securities
208.9
209.6
206.5
206.8
207.3

2,210.1
2,320.5
2,428.3
2,428.3
2,432.6

658.5

602.2
640.3
656.9
659.8

452.0

384.9
429.4
450.4
453.6

206.6

217.3
210.9
206.5
206.2

5
Loans and leases in bank credit (3)
1,608.0
1,680.1
1,692.8
1,701.7
1,722.6
1,741.1
1,757.1
1,769.7
1,771.4
1,772.7
1,771.0
1,776.2
6
Commercial and industrial
297.4
299.7
299.8
301.5
304.0
305.4
306.3
307.4
307.6
308.7
307.8
307.6
7
Real estate
892.0
949.8
958.2
968.5
980.9
994.2
1,006.3
1,015.2
1,015.3
1,012.6
1,016.8
1,020.1
8
Revolving home equity
55.8
67.2
69.2
71.3
73.1
74.2
75.4
76.1
76.1
76.1
76.5
76.5
9
Other
836.2
882.6
889.0
897.2
907.8
919.9
930.9
939.1
939.2
936.5
940.4
943.6
10
Consumer
311.6
323.3
326.2
321.6
326.2
328.7
329.7
331.0
332.5
333.1
331.1
333.2
11
Security (4)
7.7
7.2
7.5
7.7
8.0
8.2
8.4
8.3
8.1
8.9
8.2
8.2
12
Other loans and leases
99.2
100.2
101.1
102.3
103.5
104.7
106.5
107.9
107.9
109.5
107.0
107.0
13 Interbank loans
98.8
106.2
110.7
117.4
117.7

114.7

120.2

121.4

104.1
119.8

93.5
133.5

14 Cash assets (5)
118.0
120.9
124.7
125.4
132.1

126.9

129.2

129.1

107.4
114.9
125.6
133.2

15 Other assets (6)
144.8
144.0
148.9
155.1
160.5

150.9

149.7

152.7

128.8
147.3
152.0
144.6

16 TOTAL ASSETS (7)
2,663.7
2,681.7
2,721.6
2,800.6
2,815.2

2,752.1

2,778.3

2,519.9
2,645.2
2,799.4
2,793.5
2,811.6

L I A B I L I T I E S

17 Deposits
2,054.7
2,068.4
2,093.0
2,123.5
2,133.4
18
Transaction
300.3
310.1
306.7
302.1
306.7
19
Nontransaction
1,754.4
1,758.3
1,786.2
1,821.4
1,826.7
20
Large time
299.5
300.9
301.7
307.6
307.5
21
Other
1,454.8
1,457.4
1,484.6
1,513.8
1,519.2

2,104.2

2,117.0

1,961.2
2,038.8
2,127.6
2,118.5
2,141.8

305.6

314.7

314.2

1,798.6

1,802.3

1,659.7
1,731.7
1,813.4
1,805.6
1,803.8

302.5

305.0

306.6

1,496.1

1,497.2

1,349.2
1,430.7
1,506.8
1,498.3
1,496.9

429.5

429.4

375.6
387.9
433.1
431.3

186.9

185.0

168.6
169.8
186.8
184.6

242.5

244.4

207.0
218.1
246.3
246.8

22 Borrowings
389.8
393.8
408.6
425.6
433.0
437.4
23
From banks in the U.S.
170.8
174.1
182.5
187.1
186.6
189.4
24
From others
218.9
219.7
226.2
238.4
246.4
247.9

301.6
307.2
313.0
338.0

310.5
301.0
307.3
306.9

25
11.7
12.2

Net due to related foreign offices
9.8
8.5
8.6
12.3
12.2

11.3

9.3

9.2

26
75.2
82.8

Other liabilities
75.4
78.7
82.9

64.4
84.5

74.2
83.0

27 TOTAL LIABILITIES
2,531.4
2,547.3
2,588.7
2,651.5
2,666.0

10.4

11.6

80.7

81.7

83.9

2,619.1

2,640.5

2,411.7
2,512.6
2,652.2
2,645.4
2,665.4

28 Residual (assets less liabilities) (8)
132.4
134.3
132.9
133.0
137.8
149.1
149.2

147.2

108.2
132.6
148.2
146.2

------------------------------------------------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
December 20, 2002

Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

2,393.4

2,416.6

2,215.3
2,318.3
2,434.0
2,432.3
2,439.4

A S S E T S

1
Bank credit
2,330.7
2,336.2
2,440.6
2,447.5
2
640.1
664.3
3
432.1
456.9
4
208.0
207.4

2,365.7

Securities in bank credit
637.7
643.6
649.2
652.9
663.7
Treasury and Agency securities (2)
428.8
434.0
442.7
446.1
456.4
Other securities
208.9
209.6
206.5
206.8
207.3

658.4

602.0
639.5
656.3
660.5

451.8

384.8
428.6
449.8
454.3

206.6

217.3
210.9
206.5
206.2

5
Loans and leases in bank credit (3)
1,613.3
1,678.8
1,690.6
1,698.5
1,722.0
1,744.2
1,763.7
1,775.6
1,776.0
1,778.9
1,776.3
1,783.8
6
Commercial and industrial
296.4
302.0
301.9
302.1
302.5
303.7
306.1
306.4
306.1
307.5
306.7
306.6
7
Real estate
894.7
949.0
957.3
967.6
981.6
995.9
1,009.6
1,018.3
1,017.5
1,016.1
1,018.2
1,022.7
8
Revolving home equity
56.3
67.0
69.0
70.9
72.9
74.7
76.0
76.7
76.6
76.7
76.9
77.0
9
Other
838.4
881.9
888.3
896.8
908.7
921.2
933.6
941.6
940.9
939.4
941.4
945.7
10
Consumer
315.3
320.9
322.2
317.6
324.9
330.7
333.2
334.8
336.7
337.9
335.3
338.4
10a
Credit card and related plans
147.1
148.4
148.9
144.4
150.8
155.2
157.2
158.6
160.4
161.8
159.5
162.5
10h
Other
168.2
172.4
173.2
173.2
174.2
175.5
176.0
176.3
176.2
176.2
175.7
175.9
11
Security (4)
8.0
7.0
7.3
7.6
7.9
8.0
8.3
8.6
8.4
8.9
8.7
8.7
12
Other loans and leases
98.9
99.9
101.9
103.6
105.1
105.9
106.5
107.5
107.3
108.3
107.3
107.3

13 Interbank loans
95.8
101.3
108.8
125.9
125.0

111.8

119.2

123.5

106.1
120.1

88.9
128.0

14 Cash assets (5)
116.4
119.0
120.9
130.9
131.1

126.5

129.7

133.6

111.2
114.3
129.4
139.3

15 Other assets (6)
144.8
144.0
148.9
155.1
160.5

150.9

149.7

152.7

128.8
147.3
152.0
144.6

16 TOTAL ASSETS (7)
2,656.5
2,669.6
2,712.9
2,820.3
2,831.6

2,750.9

2,783.1

2,530.9
2,637.7
2,811.7
2,801.6
2,819.1

2,092.9

2,112.3

1,968.0
2,032.2
2,134.8
2,121.6
2,144.4

303.7

313.4

316.7

1,789.3

1,798.9

1,664.0
1,729.8
1,818.1
1,807.9
1,804.3

302.5

305.0

306.6

1,486.8

1,493.9

1,353.5
1,428.8
1,511.5
1,500.6
1,497.4

429.5

429.4

375.6
387.9
433.1
431.3

186.9

185.0

168.6
169.8
186.8
184.6

242.5

244.4

207.0
218.1
246.3
246.8

L I A B I L I T I E S
17 Deposits
2,045.8
2,056.3
2,077.0
2,142.2
2,151.0
18
Transaction
299.2
307.7
303.1
308.0
308.7
19
Nontransaction
1,746.7
1,748.6
1,773.9
1,834.2
1,842.3
20
Large time
299.5
300.9
301.7
307.6
307.5
21
Other
1,447.1
1,447.8
1,472.2
1,526.6
1,534.8

22 Borrowings
389.8
393.8
408.6
425.6
433.0
437.4
23
From banks in the U.S.
170.8
174.1
182.5
187.1
186.6
189.4
24
From others
218.9
219.7
226.2
238.4
246.4
247.9
25
11.7
12.2

Net due to related foreign offices
9.8
8.5
8.6
12.3
12.2

11.3

26
75.2
82.8

Other liabilities
75.4
78.7
82.9

27 TOTAL LIABILITIES
2,522.5
2,535.2
2,572.7
2,670.2
2,683.6
28

304.0
302.4
313.7
340.1

310.5
301.0
307.3
306.9

10.4

9.3

64.4
84.5

11.6

9.2

74.2
83.0

80.7

81.7

83.9

2,607.8

2,635.8

2,418.5
2,505.9
2,659.3
2,648.4
2,667.9

Residual (assets less liabilities) (8)

112.4

131.8

134.0
150.1

134.4
148.1

140.2

143.1

147.3

152.4

153.2

151.1

------------------------------------------------Footnotes appear on page 14.

H.8 (510)
Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

617.6

608.5

620.7

599.8
596.4
622.5
622.9

248.9

240.5
231.1
248.2
243.2

A S S E T S

1
Bank credit
606.3
614.4
617.8
651.3

620.8

2
238.3
245.8
3
76.5
91.2
4
161.7
154.6

Securities in bank credit
241.2
250.0
246.6
240.2
267.5
Treasury and Agency securities (2)
76.9
82.3
86.7
87.5
107.2
Other securities
164.3
167.7
159.9
152.7
160.3

5
368.1
372.0
6
193.8
181.0
7
18.4
19.2
11
85.5

Loans and leases in bank credit
373.3
370.8
371.0
383.8
Commercial and industrial
191.5
189.9
185.5
180.7
Real estate
18.8
18.8
19.0
19.6
Security (4)
90.8
90.4
94.5

92.8

84.0
93.9

73.9
92.0

156.0

156.5
157.2
154.3
151.2

(3)
368.3

371.8

359.3
365.3
374.2
379.8

181.2

179.1

196.0
197.4
178.4
179.8

19.5

19.8

17.7
19.9

18.1
19.6

96.6

105.1

77.6
108.5

80.3
112.3

106.5
12
70.3
65.3

117.3
Other loans and leases
72.1
71.7
72.0
66.2

70.9

67.8

68.0
67.4

69.5
68.1

13
20.2
26.7

Interbank loans
17.5
18.5
36.7

21.8

25.4

26.6

25.2
28.2

23.4
25.1

14
45.5
40.2

Cash assets (5)
46.0
46.5
40.4

46.0

45.3

41.0

38.4
39.7

45.3
41.3

15
27.8
37.7

Other assets (6)
29.4
29.0
40.6

28.1

33.0

38.1

36.0
38.2

26.3
36.9

713.1

711.9

726.0

698.9
691.1
728.2
725.8

486.0

466.0

448.4

429.7
505.1
454.5
443.8

10.1

9.8

9.5

475.9

456.2

439.0

418.9
494.6
445.4
434.3

229.5

254.6

208.7
189.4
246.9
262.7

23.1

25.5

206.4

229.1

185.0
168.4
222.9
232.5

25 Net due to related foreign offices
-86.1
-81.8
-85.6
-83.8
-72.6
-73.6
-58.7

-74.9

-19.9
-90.9
-71.9
-79.8

26
85.5
98.8

16 TOTAL ASSETS (7)
699.5
707.0
714.4
722.0
768.6

L I A B I L I T I E S
17 Deposits
505.2
498.9
495.1
443.0
431.9
18
Transaction
10.3
9.9
10.1
9.1
9.0
19
Nontransaction
494.9
489.0
485.0
433.8
422.9

10.8

22 Borrowings
192.9
201.3
213.8
223.3
254.7
290.2
23
From banks in the U.S.
21.3
20.8
21.6
22.7
29.4
25.6
24
From others
171.6
180.5
192.1
200.6
225.3
264.6

Other liabilities
90.9
96.8
104.6

27 TOTAL LIABILITIES
697.5
709.3
720.0
722.9
767.9
28
2.1
-0.9

92.2

96.9

99.1

717.7

719.8

727.2

Residual (assets less liabilities) (8)
-2.3
-5.6
-4.6
-7.9
0.7

-1.2

10.6
9.1

23.6
23.9

81.9
94.8

9.5

21.0
30.2

76.5
93.1

700.3
680.1
724.4
719.9
-1.4
3.8

11.0
5.9

------------------------------------------------Footnotes appear on page 14.

H.8 (510)
Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4

2002

2002

Sep

Oct

Nov

--------

--------

--------

-------- ---------------------------

614.3

608.5

623.5

602.5
592.5
620.2
626.6

248.9

240.5
231.1
248.2
243.2

A S S E T S

1
Bank credit
603.3
608.3
620.8
659.8

614.6

2
238.3
245.8
3
76.5
91.2
3a
10.4
19.1
3b
66.1
72.0
4
161.7
154.6
4a
103.5
95.4
4b
58.3
59.2

Securities in bank credit (2)
241.2
250.0
246.6
240.2
267.5
Treasury and Agency securities
76.9
82.3
86.7
87.5
107.2
Trading account
10.7
13.0
14.6
14.9
35.2
Investment account
66.2
69.3
72.1
72.7
72.0
Other securities
164.3
167.7
159.9
152.7
160.3
Trading account
108.4
109.8
103.5
98.5
98.5
Investment account
55.9
57.9
56.4
54.2
61.8

5
365.0

Loans and leases in bank credit (3)
367.2
364.6
367.7
368.3

92.8

84.0
93.9

73.9
92.0

20.2

14.9
21.0

10.1
19.6

72.7

69.0
72.9

63.8
72.4

156.0
99.3
56.8

374.6

156.5
157.2
154.3
151.2
105.0

97.1

51.6
57.2

99.0

95.5

58.3
55.7

362.0
361.4
371.9
383.4

375.0
6
192.7
181.7
7
18.4
19.2
11
84.0
108.0
12
70.0
66.1

392.2
Commercial and industrial
190.1
188.3
185.4
180.5
Real estate
18.8
18.8
19.0
19.6
Security (4)
87.4
87.1
91.7
125.1
Other loans and leases
70.8
70.4
71.6
67.1

197.6
195.2
180.1
181.1

181.9

180.6

19.5

19.8

17.7
19.9

18.1
19.6

96.7

106.4

78.5
104.5

79.1
114.5

70.1

67.8

68.1
67.4

69.0
68.2

13
20.2
26.7

Interbank loans
17.5
18.5
36.7

21.8

25.4

26.6

25.2
28.2

23.4
25.1

14
43.5
42.8

Cash assets (5)
44.1
45.1
42.1

46.0

46.3

43.4

40.7
42.2

43.8
43.8

15
26.6
38.5

Other assets (6)
28.3
28.6
42.2

28.6

32.4

37.9

35.7
37.6

26.4
37.2

710.3

712.2

731.0

703.7
685.7
727.7
732.2

474.0

458.6

452.0

433.2
510.2
457.9
451.4

10.3

9.9

9.6

463.7

448.7

442.4

422.2
500.0
448.6
441.7

229.5

254.6

208.7
189.4
246.9
262.7

23.1

25.5

206.4

229.1

185.0
168.4
222.9
232.5

25 Net due to related foreign offices
-88.8
-85.8
-87.6
-82.8
-73.9
-75.5
-58.7

-76.0

-21.3
-91.0
-73.1
-78.0

16 TOTAL ASSETS (7)
693.3
697.9
706.4
728.4
780.3

L I A B I L I T I E S
17 Deposits
503.4
489.8
480.6
449.7
442.2
18
Transaction
10.1
9.8
9.8
9.4
9.3
19
Nontransaction
493.3
480.0
470.8
440.3
433.0

22 Borrowings
192.9
201.3
213.8
223.3
254.7
290.2
23
From banks in the U.S.
21.3
20.8
21.6
22.7
29.4
25.6
24
From others
171.6
180.5
192.1
200.6
225.3
264.6

26
84.1

Other liabilities
88.7
95.6

92.8

96.1

98.4

11.0

9.3

23.6
23.9

81.3
94.1

10.2

9.7

21.0
30.2

76.4
94.2

97.5

104.6

27 TOTAL LIABILITIES
691.6
694.0
702.4
726.4
778.4
28
1.7
2.0

707.3

710.3

Residual (assets less liabilities) (8)
3.9
3.9
3.0
1.9
2.0

729.0

2.0

701.8
685.0
725.7
730.3
1.8
2.0

0.7
2.0

------------------------------------------------Footnotes appear on page 14.

H.8 (510)
Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars
December 20, 2002
Account
2002

2002

2002

Jul
Dec 11

Aug

--------------

--------------

2002

2002

Sep

Oct

Nov

--------

--------

--------

2001

2002
2002
Week ending
Nov
May
Jun
Nov 20
Nov 27
Dec 4
-------- ---------------------------

LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers
29 Reval. gains on off-bal. sheet items (9)
92.9
105.8
112.3
119.1
110.9
106.5
120.7

117.1

106.0
115.4

80.8
108.5

30
75.2
89.7

100.6

86.5
100.3

61.7
88.2

Reval. losses on off-bal. sheet items (9)
89.2
93.7
100.0
93.7
101.3

31 Mortgage-backed securities (10)
312.6
320.0
338.1
343.5
378.0
373.9
31a
Pass-through
224.6
236.3
253.4
254.7
277.3
274.7
31b
CMO, REMIC, and other
88.0
83.7
84.8
88.9
100.7
99.1

354.8

370.0

289.7
306.2
365.7
368.7

261.3

274.2

204.8
210.4
271.8
273.7

93.5

95.8

85.0
93.9

95.8
95.0

32
6.7
10.1

Net unrealized gains (losses) on
available-for-sale securities (11)
8.3
9.1
11.5
12.5
10.9

33
19.6
18.6

Offshore credit to U.S. residents (12)
19.1
19.0
19.0
18.4
18.6

34 Securitized consumer loans (13)
102.5
106.3
104.4
103.6
109.3
109.2
34a
Credit card and related plans
90.3
91.2
89.3
88.9
94.9
94.9
34b
Other
12.2
15.1
15.1
14.7
14.4
14.3
35
16.8
17.0

Securitized business loans (13)
17.1
17.8
17.7
17.0

11.8

18.5

9.7
10.9

4.3
12.6

19.2
17.8

19.6
19.2

103.3
98.5
108.2
109.2

105.0

108.0

90.7

93.5

91.8
93.8

87.0
94.8

14.3

14.5

11.5
14.5

11.5
14.4

17.5

17.1

20.6
17.2

16.9
16.7

SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers
31 Mortgage-backed securities (10)
299.1
297.3
298.9
304.2
310.1
310.7
34 Securitized consumer loans (13)
243.9
239.9
238.3
235.9
236.6
236.9
34a
Credit card and related plans
236.9
236.3
235.2
232.9
233.5
233.9
34b
Other
7.0
3.6
3.1
3.0
3.1
3.1

306.4

308.3

264.2
298.6
307.6
307.4

235.0

236.6

238.3
242.8
235.7
236.1

231.8

233.4

229.6
235.2
232.4
232.9

3.3

3.2

8.7
3.3

7.6
3.2

FOREIGN-RELATED INSTITUTIONS
29
55.2
60.6

Reval. gains on off-bal. sheet items (9)
61.5
65.1
62.0
58.9
62.7

63.0

61.5
62.0

50.0
59.6

30
49.3
58.1

Reval. losses on off-bal. sheet items (9)
57.4
64.8
61.2
58.5
59.2

60.4

54.1
58.9

42.8
56.1

35
9.9
7.1

Securitized business loans (13)
9.4
9.1
8.1
7.0

7.3

13.3
7.4

10.5
7.1

7.6

------------------------------------------------Footnotes appear on page 14.

H.8 (510)
Page 14

Footnotes

December 20, 2002
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.
10. Includes mortgage-backed securities issued by U.S. government agencies, U.S.
government-sponsored enterprises, and private entities.
11. Difference between fair value and historical cost for securities classified
as available-for-sale under FASB Statement No. 115. Data are reported net of tax
effects. Data
shown are restated to include an estimate of these tax effects.
12. Mainly commercial and industrial loans, but also includes an unknown amount
of credit extended to entities other than nonfinancial businesses.
13. Total amount outstanding.