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
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

5,759.6

5,837.1

5,451.0
5,540.7
5,885.6
5,912.7
5,848.7

A S S E T S

1
Bank credit
5,591.4
5,673.0
5,892.2
5,893.9

5,730.3

2
Securities in bank credit
1,496.8
1,562.5
1,594.6
1,632.9
1,643.5
1,643.0
1,687.9
1,714.3
1,725.4
1,739.3
1,732.5
1,729.2
3
Treasury and Agency securities (2)
855.9
908.9
918.5
945.9
962.7
972.1
1,001.0
1,011.9
1,009.9
1,019.2
1,032.6
1,032.7
4
Other securities
640.9
653.6
676.1
687.0
680.8
670.9
686.8
702.4
715.5
720.1
699.9
696.5
5
Loans and leases in bank credit
3,996.7
4,040.1
4,086.8
4,116.6
4,159.7
4,164.7
6
Commercial and industrial
981.6
981.8
975.1
969.9
961.4
961.3
7
Real estate
1,869.2
1,900.7
1,935.1
1,967.4
2,035.5
2,032.1
8
Revolving home equity
192.9
197.7
200.9
204.9
213.2
216.5
9
Other
1,676.3
1,703.0
1,734.1
1,762.6
1,822.3
1,815.6
10
Consumer
564.7
574.8
582.8
584.8
590.3
591.2

(3)
4,149.3

3,954.2
3,978.2
4,171.3
4,187.3
4,109.4

967.3

965.0

2,000.0

1,784.5
1,838.4
2,020.3
2,016.9
2,018.0

207.7

212.3

1,792.2

1,628.9
1,652.4
1,808.0
1,804.1
1,803.7

585.6

587.1

1,031.0
993.1
966.2
957.2

155.5
186.1
212.8
214.3

557.8
568.7
588.0
585.0

11
178.0
173.5
12
403.2
398.9

Security (4)
176.6
181.3
183.2
176.8
Other loans and leases
406.3
412.6
411.3
403.2

186.7

191.6

146.8
170.2
202.6
156.3

409.7

407.4

434.1
407.7
413.6
392.9

13 Interbank loans
288.6
305.6
318.3
296.7
314.6

326.8

328.3

331.4

293.1
282.4
346.2
322.4

14 Cash assets (5)
309.4
318.1
317.2
314.3
295.2

318.7

315.1

317.5

297.5
306.7
333.1
301.4

15 Other assets (6)
484.0
499.5
498.7
523.5
514.4

512.1

518.0

518.0

486.3
475.6
517.3
523.7

16 TOTAL ASSETS (7)
6,598.1
6,721.2
6,789.4
6,949.5
6,941.3

6,841.8

6,922.8

6,454.5
6,529.8
6,976.7
7,033.3
6,921.2

4,482.9

4,500.1

4,239.8
4,377.4
4,483.8
4,508.9
4,467.6

611.4

606.2

613.8

3,871.5

3,893.9

3,598.9
3,780.0
3,870.0
3,858.9
3,839.6

1,020.0

1,002.5

2,851.5

2,891.4

2,617.8
2,743.9
2,891.5
2,879.6
2,883.4

1,364.6

1,245.5
1,232.3
1,396.9
1,410.5
1,368.4

421.3

416.4

403.0
380.3
416.3
411.6

943.3

980.5

842.5
852.0
994.1
956.8

L I A B I L I T I E S
17 Deposits
4,414.0
4,460.5
4,473.4
4,474.1
4,520.1
18
Transaction
612.2
599.1
584.0
567.8
578.4
19
Nontransaction
3,801.8
3,861.4
3,889.4
3,906.3
3,941.7
20
Large time
1,048.1
1,049.2
1,043.2
975.3
984.7
21
Other
2,753.7
2,812.2
2,846.2
2,930.9
2,957.0

981.2

22 Borrowings
1,231.7
1,292.7
1,322.2
1,332.7
1,334.0
1,366.7
23
From banks in the U.S.
386.2
405.1
416.5
415.5
375.7
385.1
24
From others
845.5
887.6
905.8
917.2
958.3
981.6

25 Net due to related foreign offices
99.2
94.1
100.3
119.5
122.5
170.7
161.8
26 Other liabilities
408.0
430.4
435.4
472.9
401.0

640.9
597.4
650.0
627.9

440.1

444.4

978.5

150.6

453.4

1,036.1
979.3

150.1
146.7

956.2

89.6
149.2

360.8
378.4
466.3
460.5

27 TOTAL LIABILITIES
6,152.9
6,277.7
6,331.4
6,451.7
6,449.6

6,375.1

6,431.5

28 Residual (assets less liabilities) (8)
445.1
443.5
458.0
466.6
491.3
497.8
491.7

5,996.3
6,077.7
6,484.7
6,532.4
6,445.6

492.0

458.2
452.1
500.9
475.6

------------------------------------------------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
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

5,763.6

5,853.7

5,483.8
5,535.2
5,922.4
5,950.7
5,900.1

A S S E T S

1
Bank credit
5,564.7
5,650.6
5,917.3
5,922.5

5,723.4

2
Securities in bank credit
1,504.1
1,558.4
1,580.5
1,624.3
1,639.7
1,642.3
1,692.1
1,723.3
1,729.9
1,752.4
1,747.7
1,738.8
3
Treasury and Agency securities (2)
860.7
906.1
910.2
939.6
959.2
968.3
1,001.9
1,017.6
1,013.0
1,024.0
1,039.8
1,039.0
4
Other securities
643.4
652.3
670.3
684.7
680.5
674.0
690.2
705.7
717.0
728.4
707.9
699.8
5
Loans and leases in bank credit (3)
3,984.2
4,026.3
4,083.7
4,121.3
4,161.6
4,169.6
4,183.7
6
Commercial and industrial
980.6
976.3
973.0
971.2
968.6
958.2
956.7

3,979.6
3,976.8
4,199.2
4,220.8
4,147.7
964.8

1,030.7
995.3
968.4
961.9

7
1,868.5
2,034.4
8
192.7
212.7
9
1,675.8
1,821.7
10
558.8
599.7
10a
215.3
238.5
10b
343.5
361.2
11
173.3
175.1
12
402.9
402.3

Real estate
1,901.8
1,937.2
1,969.6
2,005.0
2,034.1
Revolving home equity
197.8
201.9
205.5
208.5
216.1
Other
1,704.0
1,735.2
1,764.1
1,796.5
1,818.0
Consumer
571.3
582.3
585.4
588.2
600.3
Credit card and related plans
224.4
231.2
232.2
232.0
237.1
Other
346.9
351.1
353.2
356.2
363.2
Security (4)
172.1
179.5
185.5
190.3
186.9
Other loans and leases
404.9
411.8
409.6
409.5
405.8

1,788.8
1,839.4
2,025.1
2,022.2
2,021.5
212.5

155.7
186.3
213.0
214.0

1,633.1
1,653.1
1,812.6
1,809.3
1,807.5
597.1

567.3
564.6
602.8
597.1

239.2

232.0
221.0
243.8
238.2

357.9

335.3
343.5
359.0
358.9

200.5

153.2
169.2
209.1
163.8

411.7

439.6
408.3
418.2
403.4

13 Interbank loans
282.8
299.2
310.5
299.8
318.0

321.5

332.2

338.4

299.4
284.5
341.3
331.1

14 Cash assets (5)
300.2
303.8
314.1
322.2
322.7

321.0

325.0

338.0

317.3
299.0
348.9
356.7

15 Other assets (6)
482.8
496.8
501.2
527.7
518.8

510.8

519.2

521.4

489.4
473.9
519.2
533.4

16 TOTAL ASSETS (7)
6,555.3
6,675.2
6,773.9
6,990.0
7,005.4

6,841.8

6,954.3

6,516.3
6,516.9
7,044.4
7,084.0
7,046.7

4,467.7

4,519.9

4,290.4
4,365.2
4,533.5
4,545.4
4,557.2

606.2

611.8

641.4

3,861.5

3,908.2

3,620.9
3,770.8
3,892.1
3,868.6
3,857.4

1,013.8

1,009.5

2,847.7

2,898.7

L I A B I L I T I E S
17 Deposits
4,384.9
4,413.7
4,441.4
4,515.4
4,567.0
18
Transaction
604.7
583.8
577.9
582.7
607.1
19
Nontransaction
3,780.1
3,829.9
3,863.6
3,932.7
3,959.9
20
Large time
1,037.1
1,033.5
1,028.7
988.1
997.3
21
Other
2,743.0
2,796.4
2,834.9
2,944.6
2,962.6

669.5
594.4
676.8
699.9

995.5
992.4

1,033.8
995.5

968.2

2,625.4
2,737.0
2,899.7
2,873.2
2,889.2

22 Borrowings
1,221.7
1,272.6
1,319.6
1,334.6
1,339.9
1,382.6
23
From banks in the U.S.
382.2
399.9
409.6
413.8
379.4
390.5
24
From others
839.6
872.7
910.0
920.9
960.5
992.1

1,367.7

1,245.4
1,231.3
1,396.5
1,408.4
1,374.0

418.5

417.9

404.6
377.8
418.0
415.4

949.2

978.6

840.8
853.6
990.4
958.6

25 Net due to related foreign offices
90.0
91.1
100.9
118.9
126.1
175.1
168.6

157.0

156.9
157.1

85.7
158.3

26 Other liabilities
399.1
427.6
435.5
477.6
407.2

440.2

450.0

460.5

27 TOTAL LIABILITIES
6,095.7
6,205.0
6,297.5
6,508.0
6,525.5

6,361.4

6,463.8

6,059.1
6,057.7
6,547.6
6,588.2
6,559.1

28 Residual (assets less liabilities) (8)
459.6
470.2
476.4
480.4
490.5
482.1
479.9

496.8

366.4
375.5
477.3
469.5

457.2
459.3
495.8
487.6

------------------------------------------------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
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2002

2002

Oct

Nov

Dec

--------

--------

--------

A S S E T S

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8
-------- --------------------- -------

1
Bank credit
4,977.2
5,052.2
5,266.0
5,274.1

5,111.7

5,145.6

5,216.4

4,854.8
4,935.1
5,250.9
5,270.1
5,241.0

2
Securities in bank credit
1,353.4
1,383.0
1,396.0
1,398.0
1,439.0
1,467.2
1,466.4
3
Treasury and Agency securities (2)
842.1
864.1
876.0
883.3
908.2
931.2
930.3
4
Other securities
511.4
518.9
520.0
514.7
530.8
536.0
536.1

1,255.2
1,324.2
1,450.5
1,457.9
1,472.9

5
Loans and leases in bank credit
3,623.7
3,669.3
3,715.7
3,747.5
3,798.8
3,807.7
6
Commercial and industrial
790.4
791.9
789.6
788.5
786.1
786.0
7
Real estate
1,850.4
1,881.8
1,916.0
1,947.9
2,016.5
2,013.1
8
Revolving home equity
192.9
197.7
200.9
204.9
213.2
216.5
9
Other
1,657.5
1,684.2
1,715.1
1,743.0
1,803.3
1,796.6
10
Consumer
564.7
574.8
582.8
584.8
590.3
591.2
11
Security (4)
87.2
86.2
86.7
86.0
68.1
73.9
12
Other loans and leases
331.1
334.7
340.6
340.3
337.7
343.6

(3)
3,777.4

3,599.6
3,610.9
3,800.4
3,812.2
3,768.1

788.2

786.8

1,980.1

1,766.7
1,820.0
2,000.9
1,997.5
1,998.9

207.7

212.3

1,772.4

1,611.2
1,633.9
1,788.6
1,784.7
1,784.7

585.6

587.1

81.5

81.4

342.0

344.2

367.4
337.5
352.0
332.9

910.7

773.7
832.8
908.5
919.0

539.7

481.5
491.5
549.4
554.0

835.7
800.0
788.0
783.8

155.5
186.1
212.8
214.3

557.8
568.7
588.0
585.0
71.9
86.6

84.7
67.4

13 Interbank loans
271.1
287.1
296.6
267.2
282.6

301.9

301.8

299.7

272.5
262.2
313.3
293.2

14 Cash assets (5)
263.4
271.6
271.2
274.2
256.0

273.3

274.1

275.0

258.2
261.2
289.2
262.6

15 Other assets (6)
454.5
470.5
470.2
478.5
467.2

477.0

479.9

476.2

456.8
447.8
475.3
478.7

16 TOTAL ASSETS (7)
5,891.3
6,006.9
6,075.1
6,209.2
6,203.4

6,122.7

6,196.8

5,769.3
5,831.0
6,226.3
6,272.3
6,200.9

L I A B I L I T I E S

17 Deposits
3,915.2
3,965.5
3,987.4
4,053.1
4,088.7
18
Transaction
602.3
589.1
573.9
558.3
568.5
19
Nontransaction
3,312.8
3,376.4
3,413.5
3,494.8
3,520.2
20
Large time
562.3
569.9
573.3
572.4
581.3
21
Other
2,750.5
2,806.5
2,840.2
2,922.4
2,938.9

4,016.5

4,051.6

3,799.3
3,872.2
4,060.1
4,090.1
4,061.8

601.6

596.7

604.3

3,414.9

3,454.9

3,169.6
3,285.1
3,455.7
3,449.5
3,444.5

571.3

571.8

570.8

2,843.6

2,883.1

2,615.3
2,741.3
2,885.0
2,874.4
2,876.1

1,110.0

1,047.1
1,039.4
1,113.4
1,116.0
1,090.8

395.7

386.6

379.1
358.9
384.2
379.5

714.3

726.8

668.1
680.4
731.8
711.3

25 Net due to related foreign offices
181.0
179.7
184.1
191.9
196.8
235.5
233.2

211.4

192.5
175.7
208.4
218.8

26 Other liabilities
317.1
333.6
342.7
371.4
302.7

340.2

345.3

353.5

278.8
292.9
369.1
360.3

27 TOTAL LIABILITIES
5,443.7
5,557.7
5,612.4
5,718.2
5,712.1

5,647.7

5,703.7

5,317.7
5,380.2
5,738.3
5,783.7
5,731.7

22 Borrowings
1,030.4
1,078.9
1,098.2
1,099.1
1,058.1
1,087.4
23
From banks in the U.S.
365.4
383.5
393.8
392.4
346.8
353.7
24
From others
665.0
695.4
704.5
706.7
711.3
733.8

28 Residual (assets less liabilities) (8)
447.7
449.2
462.7
475.1
493.1
491.0
491.3

488.0

629.7
587.1
640.6
617.3

554.3
543.8
575.1
568.5

451.6
450.8
488.7
469.2

------------------------------------------------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
January 28, 2003

Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

5,149.6

5,230.2

4,880.1
4,932.6
5,278.7
5,299.0
5,278.9

A S S E T S

1
Bank credit
4,956.6
5,036.0
5,286.9
5,292.7

5,108.2

2
Securities in bank credit
1,339.3
1,374.3
1,392.3
1,397.3
1,443.2
1,482.3
1,475.9
3
Treasury and Agency securities (2)
833.8
857.8
872.5
879.5
909.0
938.4
936.5
4
Other securities
505.5
516.5
519.8
517.9
534.2
544.0
539.4

1,262.5
1,320.1
1,459.5
1,462.4
1,486.0

5
Loans and leases in bank credit (3)
3,617.3
3,661.7
3,715.9
3,752.3
3,787.0
3,804.5
3,816.7
6
Commercial and industrial
790.7
788.0
787.6
789.2
788.0
781.8
780.6
7
Real estate
1,849.8
1,883.0
1,918.1
1,950.0
1,985.2
2,015.4
2,015.0
8
Revolving home equity
192.7
197.8
201.9
205.5
208.5
212.7
216.1
9
Other
1,657.0
1,685.2
1,716.2
1,744.6
1,776.7
1,802.7
1,798.9
10
Consumer
558.8
571.3
582.3
585.4
588.2
599.7
600.3
10a
Credit card and related plans
215.3
224.4
231.2
232.2
232.0
238.5
237.1
10d
Other
343.5
346.9
351.1
353.2
356.2
361.2
363.2
11
Security (4)
85.9
85.0
87.7
88.3
83.9
67.7
75.6
12
Other loans and leases
332.1
334.5
340.2
339.4
341.7
340.0
345.2

3,617.5
3,612.5
3,819.2
3,836.6
3,792.9

916.4

778.6
830.0
911.5
923.7

543.0

484.0
490.1
550.9
562.3

785.1

833.8
803.4
787.6
785.3

1,771.1
1,821.0
2,005.8
2,002.9
2,002.5
212.5

155.7
186.3
213.0
214.0

1,615.4
1,634.7
1,793.2
1,789.9
1,788.4
597.1

567.3
564.6
602.8
597.1

239.2

232.0
221.0
243.8
238.2

357.9

335.3
343.5
359.0
358.9

84.4
346.8

74.3
88.9

85.2
67.2

371.0
338.4
354.4
340.8

13 Interbank loans
265.3
280.7
288.8
270.3
286.0

296.5

305.6

306.6

278.8
264.3
308.4
302.0

14 Cash assets (5)
256.1
258.7
268.0
280.1
281.0

274.7

281.6

292.9

275.5
255.5
301.9
315.2

15 Other assets (6)
454.4
468.3
472.2
481.3
469.9

476.3

481.3

478.5

459.2
447.2
476.4
487.6

16 TOTAL ASSETS (7)
5,857.6
5,968.9
6,062.3
6,241.9
6,253.4

6,122.5

6,223.3

5,820.4
5,824.4
6,281.2
6,310.1
6,309.3

4,008.8

4,067.8

3,837.6
3,861.8
4,098.1
4,110.6
4,139.0

596.3

602.2

631.2

3,412.5

3,465.7

3,180.0
3,277.5
3,466.9
3,444.1
3,450.8

572.5

575.3

573.8

2,840.0

2,890.3

2,622.8
2,734.4
2,893.0
2,867.8
2,881.6

1,113.2

1,047.0
1,038.4
1,113.0
1,113.9
1,096.4

392.9

388.0

380.6
356.4
385.8
383.3

720.2

725.0

666.4
682.0
728.1
713.1

25 Net due to related foreign offices
175.8
178.7
183.6
192.5
201.5
238.0
238.0

215.6

196.4
174.5
214.1
222.4

26 Other liabilities
310.4
332.0
342.2
374.8
307.7

341.1

351.7

359.2

283.2
291.4
377.1
365.3

27 TOTAL LIABILITIES
5,401.7
5,502.6
5,588.8
5,761.3
5,774.9

5,643.5

5,734.1

5,364.3
5,366.1
5,785.8
5,815.7
5,823.1

L I A B I L I T I E S
17 Deposits
3,895.0
3,933.0
3,967.4
4,084.4
4,125.8
18
Transaction
594.9
574.0
567.6
572.9
596.9
19
Nontransaction
3,300.1
3,359.1
3,399.8
3,511.4
3,528.9
20
Large time
560.2
568.3
570.7
575.6
584.7
21
Other
2,739.9
2,790.8
2,829.1
2,935.9
2,944.1

22 Borrowings
1,020.4
1,058.8
1,095.7
1,101.0
1,064.0
1,103.4
23
From banks in the U.S.
361.4
378.3
386.9
390.6
350.5
359.1
24
From others
659.0
680.5
708.7
710.4
713.5
744.3

28

Residual (assets less liabilities) (8)

657.6
584.3
666.5
688.1

557.2
543.0
576.3
569.2

456.1

458.3

456.0
480.7

466.3
478.5

473.5

479.0

489.2

495.4

494.4

486.2

------------------------------------------------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
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

2,775.2

2,828.1

2,661.9
2,641.6
2,855.2
2,876.3
2,850.5

A S S E T S

1
Bank credit
2,674.6
2,724.0
2,867.4
2,878.5
2
713.4
801.2
3
410.9
472.2
3a
43.1
54.6
3b
367.9
417.6
4
302.5
329.0
4a
168.8
176.1

2,762.1

Securities in bank credit
736.8
745.6
743.5
780.0
804.7
Treasury and Agency securities (2)
427.5
432.0
435.2
455.4
475.3
Trading account
48.0
42.6
37.8
48.1
51.4
Investment account
379.5
389.3
397.5
407.4
424.0
Other securities
309.3
313.7
308.3
324.5
329.3
Trading account
174.5
172.7
161.5
171.8
174.3

787.8

636.0
683.8
798.0
806.3

455.4

378.8
400.1
454.9
459.7

44.5

33.9
42.5

42.4
44.3

410.9

344.9
357.8
412.4
415.4

332.4

257.2
283.7
343.0
346.6

176.2

130.0
148.3
184.7
190.5

4b
133.7
152.8
4c
28.3
29.3
4d
105.5
123.6

Investment account
134.8
141.0
146.7
152.7
155.1
State and local government
28.0
28.4
28.7
29.1
29.7
Other
106.8
112.6
118.0
123.6
125.4

5
Loans and leases in bank credit (3)
1,961.1
1,987.3
2,016.4
2,031.7
2,048.2
2,066.2
2,073.9
6
Commercial and industrial
488.6
487.6
484.1
482.4
480.8
478.1
477.6
7
Real estate
882.0
901.0
921.9
941.3
964.8
998.1
997.4
8
Revolving home equity
121.6
124.6
126.8
129.5
131.7
135.9
139.2
9
Other
760.4
776.5
795.1
811.8
833.1
862.2
858.2
10
Consumer
282.1
289.2
296.0
296.5
295.2
298.2
296.4
11
Security (4)
79.4
78.2
78.5
77.6
73.2
59.9
65.3
11a
Fed funds and RPs with broker/dealer
66.4
66.3
67.9
66.8
62.0
49.1
55.1
11b
Other
13.0
11.9
10.5
10.8
11.3
10.8
10.2
12a
State and local government
12.8
12.9
13.0
12.9
12.1
11.9
11.8
12b
Agricultural
9.0
8.2
8.2
8.1
8.1
8.2
8.2
12c
Fed funds and RPs with others
13.7
16.6
19.8
19.2
18.5
20.5
26.0
12d
All other loans
67.1
67.5
69.2
69.4
72.4
70.7
71.7
12e
Lease financing receivables
126.3
126.1
125.9
124.2
123.0
120.8
119.5
13 Interbank loans
165.0
176.5
182.0
181.6
152.7
160.4
13a
Fed funds and RPs with banks
77.2
86.8
89.2
84.0

156.2

127.2
135.4
158.4
156.0

29.4

27.3
29.7

27.3
29.2

126.8

99.9
108.0
128.6
126.9

2,025.9
1,957.8
2,067.4
2,078.3
2,044.2
478.7

536.3
500.0
479.8
474.5

983.8

864.7
861.9
983.0
987.7

135.7

98.4
116.9
135.9
137.5

848.1

766.4
745.0
847.0
850.1

295.0

292.4
282.2
296.0
294.5

73.0

64.0
77.9

77.2
59.1

62.0

48.6
66.0

64.7
48.6

11.0

15.4
11.9

12.5
10.5

11.8

15.0
11.7

13.0
11.6

9.9
8.1

9.1
8.2

22.4

28.9
26.9

17.6
17.9

72.8

80.5
73.3

70.0
70.1

8.1

121.8

134.2
126.8
121.7
120.5

180.3

178.7

171.9
163.5
186.8
174.7

87.3

85.3

102.0
86.7

77.2
85.7

84.1
13b
87.7
68.6

92.8
Other
89.7
67.6

92.9

69.9
100.1

86.2
89.0

97.7

93.0

93.4

14 Cash assets (5)
142.5
146.9
144.3
144.9
131.6

144.1

145.0

146.3

149.0
143.2
156.5
138.0

15 Other assets (6)
314.1
325.2
323.1
322.0
313.1

331.8

331.7

326.1

326.5
306.5
324.4
321.9

16 TOTAL ASSETS (7)
3,252.1
3,329.4
3,368.6
3,442.5
3,439.6

3,389.7

3,441.8

3,266.9
3,210.6
3,463.4
3,500.9
3,442.8

------------------------------------------------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)
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

1,899.5

1,924.0

1,816.2
1,817.5
1,935.9
1,959.8
1,935.0

286.9

282.5

288.3

1,612.6

1,641.5

1,490.0
1,530.8
1,647.6
1,649.9
1,641.0

266.3

265.2

261.7

1,346.3

1,376.2

1,239.9
1,286.5
1,385.9
1,383.9
1,381.6

L I A B I L I T I E S
17 Deposits
1,846.8
1,872.5
1,883.2
1,932.0
1,964.2
18
Transaction
292.2
282.4
268.3
260.9
271.9
19
Nontransaction
1,554.6
1,590.2
1,614.9
1,671.2
1,692.3
20
Large time
261.5
268.3
270.8
264.7
273.5
21
Other
1,293.1
1,321.9
1,344.1

326.3
286.7
309.9
294.0

250.1
244.3
266.0
259.4

1,406.5

1,418.8

22 Borrowings
685.6
720.6
723.9
721.6
659.7
687.1
23
From banks in the U.S.
240.3
251.3
258.0
257.7
196.5
199.4
24
From others
445.3
469.3
466.0
463.8
463.1
487.6

733.4

724.9

718.9
699.4
719.3
703.3

264.1

246.2

264.7
237.8
236.4
242.2

469.3

478.6

454.2
461.5
482.9
461.1

25 Net due to related foreign offices
171.2
171.2
175.4
179.5
185.5
218.3
216.1

199.0

182.3
164.0
195.5
207.9

26 Other liabilities
252.4
266.6
273.8
294.9
226.0

270.6

273.7

282.4

225.4
228.0
298.8
290.5

27 TOTAL LIABILITIES
2,956.0
3,030.9
3,056.4
3,104.9
3,093.3

3,071.2

3,116.6

2,942.9
2,908.9
3,142.2
3,173.4
3,136.6

28 Residual (assets less liabilities) (8)
296.2
298.4
312.2
318.5
325.2
337.6
346.3

321.2

324.1
301.7
327.4
306.2

------------------------------------------------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
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002

2002

Oct

Nov

Dec

--------

--------

--------

A S S E T S

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8
-------- ---------------------------

1
Bank credit
2,659.3
2,710.7
2,887.0
2,892.8
2
701.4
815.2
3
404.7
478.3
3a
42.4
55.3
3b
362.3
422.9
3c
287.3
327.0
3d
75.0
95.9
3e
18.7
21.4
3f
43.7
57.9
3g
12.7
16.6
4
296.7
337.0
4a
165.5
180.4
4b
131.2
156.6
4c
27.7
30.0
4d
103.5
126.6

2,756.5

2,773.8

2,836.2

Securities in bank credit
730.5
743.0
744.0
784.4
812.6
Treasury and Agency securities (2)
423.6
429.5
432.6
456.5
479.9
Trading account
47.6
42.4
37.6
48.2
51.9
Investment account
376.0
387.1
395.1
408.3
428.1
Mortgage-backed
304.5
308.0
312.9
324.4
332.9
Other
71.4
79.1
82.2
83.8
95.2
1 year or less
17.4
19.9
21.8
23.2
22.2
Between 1 and 5 years
42.2
46.3
49.9
47.1
56.2
More than 5 years
11.8
12.9
10.4
13.5
16.8
Other securities
306.9
313.4
311.4
327.9
332.6
Trading account
173.1
172.6
163.2
173.6
176.0
Investment account
133.8
140.9
148.2
154.3
156.6
State and local government
27.8
28.4
29.0
29.4
30.0
Other
105.9
112.5
119.2
124.9
126.6

5
Loans and leases in bank credit
1,957.8
1,980.2
2,013.5
2,029.8
2,071.7
2,080.2
6
Commercial and industrial
488.3
485.2
483.7
483.1
474.4
473.2
7
Real estate
882.2
901.5
922.3
940.2
999.2
998.9
8
Revolving home equity
121.9
124.9
127.3
129.5

2,675.0
2,641.7
2,869.5
2,884.0
2,875.2

793.9

640.9
680.2
797.7
817.2

458.3

381.2
397.9
453.1
462.3

44.8

34.1
42.3

42.2
44.5

413.5

347.0
355.7
410.8
417.8

316.9

280.4
277.5
308.1
319.2

96.6

66.7
102.7

78.2
98.6

24.1

17.6
27.6

14.9
21.1

56.2

36.2
58.7

50.0
60.3

16.3

12.9
16.5

13.3
17.2

335.7

259.7
282.3
344.5
354.9

177.9

131.2
147.5
185.5
195.1

157.8

128.5
134.7
159.1
159.8

29.7
128.1

27.6
29.9

27.2
29.9

100.9
107.5
129.2
129.9

(3)
2,051.8

2,034.1
1,961.6
2,075.6
2,086.3
2,058.0

481.6

476.9

534.2
501.2
478.2
475.0

966.8

985.7

866.5
863.8
983.0
988.7

131.9

135.2

98.1
117.3
135.3
136.9

135.3
9a
448.7
547.5
9b
311.6
316.4
10
280.3
304.0
10a
110.0
119.0
10f
170.3
185.0
11
78.3
59.5
11a
65.5
48.8
11b
12.8
10.7
12a
12.8
11.9
12b
9.2
8.3
12c
13.7
20.5
12d
67.3
70.8
12e
125.6
123.1

138.5
Other residential
464.4
482.2
495.3
518.6
544.5
Commercial
312.1
312.8
315.4
316.3
316.0
Consumer
287.0
293.4
293.5
293.9
301.3
Credit card and related plans
114.2
117.9
116.4
114.0
117.2
Other
172.8
175.6
177.1
179.9
184.2
Security (4)
77.0
79.6
80.0
75.3
67.1
Fed funds and RPs with broker/dealer
65.3
69.0
68.8
63.7
56.6
Other
11.7
10.7
11.1
11.6
10.5
State and local government
12.9
13.0
12.9
12.1
11.8
Agricultural
8.2
8.2
8.0
8.0
8.1
Fed funds and RPs with others
16.6
19.8
19.2
18.5
26.0
All other loans
67.0
69.4
69.3
72.9
72.1
Lease financing receivables
124.8
124.0
123.6
122.7
121.7

13 Interbank loans
164.0
172.0
177.0
177.3
150.6
162.0
13a
Fed funds and RPs with banks
76.8
84.6
86.8
82.0
83.0
93.8
13b
Other
87.2
87.4
90.2
95.3
67.6
68.3

534.6

453.4
435.1
532.3
536.1

315.8

315.1
311.4
315.4
315.8

298.2

295.5
282.0
300.8
300.3

116.9

127.3
111.8
119.2
118.6

181.3

168.2
170.2
181.6
181.7

75.9

66.2
80.4

77.9
58.9

64.5

50.2
68.1

65.3
48.5

11.4

16.0
12.3

12.6
10.5

11.8

15.0
11.7

13.0
11.6

9.8
8.0

9.3
8.4

22.4

29.8
26.9

17.6
17.9

74.5

82.4
75.2

70.4
74.6

8.1

122.2

134.7
126.4
122.2
122.4

182.1

182.8

175.7
168.5
185.6
182.7

88.2

87.3

104.2
86.2

79.5
89.6

93.9

95.5

71.5
99.5

89.0
93.0

14 Cash assets (5)
137.1
137.9
141.6
148.3
149.0

145.0

148.0

157.2

160.0
139.1
164.7
169.3

15 Other assets (6)
313.9
323.0
325.1
324.7
315.9

331.1

333.1

328.5

328.8
305.9
325.4
330.8

16 TOTAL ASSETS (7)
3,230.5
3,300.1
3,357.1
3,466.4
3,475.9

3,384.7

3,456.0

3,297.1
3,211.2
3,494.9
3,516.8
3,515.9

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

H.8 (510)
Page 8
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars (continued)
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

1,896.5

1,933.0

1,834.0
1,816.0
1,952.2
1,962.9
1,976.5

282.9

285.5

304.9

1,613.6

1,647.6

1,489.7
1,530.8
1,647.3
1,636.7
1,638.0

267.5

268.8

264.8

1,346.0

1,378.8

1,236.7
1,287.3
1,382.5
1,369.5
1,377.9

736.6

724.5

718.8
698.4
717.2
708.8

261.3

247.6

266.3
235.3
238.0
246.0

475.2

476.8

452.5
463.1
479.2
462.8

25 Net due to related foreign offices
166.0
170.2
175.0
180.2
190.2

203.2

186.3
162.8
201.1
211.5

L I A B I L I T I E S
17 Deposits
1,838.7
1,856.1
1,874.5
1,942.6
1,982.4
18
Transaction
287.2
270.9
263.9
267.1
290.9
19
Nontransaction
1,551.5
1,585.2
1,610.6
1,675.5
1,691.5
20
Large time
259.3
266.6
268.2
267.8
277.0
21
Other
1,292.2
1,318.6
1,342.3
1,407.6
1,414.5

22 Borrowings
675.6
700.5
721.3
723.5
665.6
703.1
23
From banks in the U.S.
236.2
246.1
251.1
256.0
200.2
204.9
24
From others
439.4
454.4
470.2
467.5
465.4
498.2

344.2
285.2
326.3
338.5

253.0
243.5
267.2
260.1

220.9

220.9

26 Other liabilities
245.8
265.0
273.3
298.3
230.9

271.5

280.1

288.0

27 TOTAL LIABILITIES
2,926.1
2,991.8
3,044.1
3,127.3
3,137.2

3,071.7

3,139.9

2,968.8
2,903.6
3,167.9
3,188.0
3,192.3

28 Residual (assets less liabilities) (8)
304.4
308.2
313.0
312.9
316.1
339.1
338.7

327.0

229.8
226.4
306.8
295.5

328.3
307.5
328.7
323.6

------------------------------------------------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
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

2,370.4

2,388.3

2,192.9
2,293.5
2,395.8
2,393.8
2,390.5

A S S E T S

1
Bank credit
2,302.6
2,328.2
2,398.6
2,395.6

2,349.6

2
640.0
666.0
3
431.2
459.0
4
208.9
207.0

Securities in bank credit
646.2
650.4
654.5
659.0
661.7
Treasury and Agency securities (2)
436.6
444.0
448.0
452.7
454.9
Other securities
209.6
206.3
206.5
206.3
206.8

662.7

619.2
640.4
659.9
666.6

455.4

395.0
432.6
453.6
459.2

207.4

224.2
207.8
206.3
207.4

5
Loans and leases in bank credit (3)
1,573.7
1,653.1
1,662.6
1,682.0
1,699.3
1,715.9
1,729.3
1,733.0
1,733.8
1,723.9
1,732.6
1,733.8
6
Commercial and industrial
299.4
300.1
301.8
304.3
305.6
306.2
307.4
308.1
308.2
309.3
308.1
308.4
7
Real estate
902.0
958.1
968.4
980.8
994.1
1,006.6
1,015.3
1,017.2
1,014.5
1,011.3
1,018.5
1,015.7
8
Revolving home equity
57.2
69.2
71.3
73.1
74.1
75.4
76.0
76.7
76.8
76.7
77.3
77.3
9
Other
844.8
888.9
897.1
907.7
920.0
931.2
939.3
940.5
937.7
934.5
941.1
938.4
10
Consumer
265.4
286.5
282.5
285.6
286.8
288.3
290.5
292.1
292.0
290.5
292.2
294.8
11
Security (4)
7.9
7.5
7.7
8.0
8.2
8.4
8.3
8.4
8.7
8.3
8.2
8.5
12
Other loans and leases
99.0
101.0
102.2
103.4
104.6
106.4
107.8
107.3
110.4
104.5
105.7
106.4
13 Interbank loans
106.1
110.6
114.6
114.5
122.3

120.3

121.5

121.0

100.6
98.7
126.5
118.5

14 Cash assets (5)
120.9
124.7
126.9
129.3
124.4

129.2

129.1

128.6

109.2
118.0
132.8
124.6

15 Other assets (6)
140.5
145.2
147.1
156.5
154.0

145.2

148.2

150.0

130.4
141.3
150.9
156.8

16 TOTAL ASSETS (7)
2,639.2
2,677.5
2,706.5
2,766.7
2,763.9

2,733.0

2,755.0

2,502.3
2,620.4
2,763.0
2,771.5
2,758.2

2,117.0

2,127.6

1,983.1
2,054.7
2,124.1
2,130.3
2,126.8

314.7

314.2

316.0

L I A B I L I T I E S
17 Deposits
2,068.4
2,093.0
2,104.2
2,121.1
2,124.6
18
Transaction
310.1
306.7
305.6

303.5
300.3
330.7
323.3

297.4
296.7
19
Nontransaction
1,758.3
1,786.2
1,798.6
1,823.7
1,827.9
20
Large time
300.8
301.6
302.5
307.7
307.8
21
Other
1,457.4
1,484.6
1,496.2
1,515.9
1,520.1

1,802.3

1,813.4

1,679.6
1,754.4
1,808.1
1,799.6
1,803.5

305.0

306.5

309.1

1,497.3

1,506.9

1,375.5
1,454.8
1,499.1
1,490.5
1,494.4

376.6

388.5

328.2
340.0
396.8
387.6

131.6

140.4

114.3
121.1
147.9
137.3

245.0

248.1

213.9
218.9
248.9
250.3

22 Borrowings
344.8
358.3
374.3
377.5
398.5
400.3
23
From banks in the U.S.
125.1
132.2
135.8
134.6
150.3
154.2
24
From others
219.7
226.2
238.5
242.9
248.2
246.1
25
9.8
17.2

Net due to related foreign offices
8.5
8.6
12.3
11.3
17.2

26
64.7
76.5

Other liabilities
67.0
68.9
76.7

27 TOTAL LIABILITIES
2,487.7
2,526.8
2,556.0
2,613.3
2,618.8

12.4

304.2
299.5
309.1
309.1

10.1
13.0

11.7
11.0

53.4
70.3

64.9
69.8

69.6

71.5

71.1

2,576.5

2,587.1

2,374.8
2,471.3
2,596.1
2,610.3
2,595.1

28 Residual (assets less liabilities) (8)
151.5
150.7
150.5
156.5
167.9
153.4
145.0

166.8

127.5
149.1
161.2
163.0

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

H.8 (510)
Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
January 28, 2003

2002

2002

Aug
Jan 15

Sep

Account
2002
Oct

2002

2002

Nov

Dec

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

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

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

--------

--------

--------

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

2,375.8

2,394.0

2,205.0
2,290.9
2,409.1
2,415.0
2,403.7

A S S E T S

1
Bank credit
2,297.3
2,325.3
2,399.9
2,399.9
2
637.9
667.1
3
429.0
460.1
4
208.9
207.0

2,351.6

Securities in bank credit
643.8
649.3
653.3
658.8
663.4
Treasury and Agency securities (2)
434.2
443.0
446.8
452.6
456.6
Other securities
209.6
206.3
206.5
206.3
206.8

665.5

621.7
639.9
664.7
668.8

458.2

397.4
432.2
458.4
461.4

207.4

224.2
207.8
206.3
207.4

5
Loans and leases in bank credit (3)
1,583.4
1,651.0
1,659.4
1,681.4
1,702.3
1,722.4
1,735.2
1,743.6
1,750.3
1,734.9
1,732.8
1,736.5
6
Commercial and industrial
299.5
302.2
302.4
302.8
303.9
306.0
306.4
308.2
309.4
310.3
307.3
307.4
7
Real estate
904.5
957.2
967.5
981.5
995.8
1,009.8
1,018.4
1,020.1
1,019.9
1,013.7
1,016.2
1,016.1
8
Revolving home equity
57.6
69.0
70.9
72.9
74.6
75.9
76.6
77.3
77.7
77.2
77.4
77.6
9
Other
846.9
888.2
896.6
908.6
921.2
933.9
941.8
942.8
942.2
936.6
938.8
938.5
10
Consumer
271.9
282.5
278.5
284.4
288.8
291.8
294.3
299.0
302.0
296.8
295.7
299.0
10a
Credit card and related plans
104.8
109.2
105.3
110.2
113.3
115.8
118.1
122.3
124.7
119.6
119.5
119.9
10h
Other
167.1
173.3
173.2
174.2
175.5
176.0
176.2
176.6
177.4
177.2
176.2
179.0
11
Security (4)
8.1
7.3
7.6
7.9
8.0
8.3
8.7
8.6
8.5
8.3
8.3
8.5
12
Other loans and leases
99.4
101.8
103.5
104.9
105.8
106.4
107.4
107.8
110.4
105.8
105.4
105.5
13 Interbank loans
101.3
108.7
111.8
119.7
124.0

119.3

123.6

123.8

103.1
95.8
122.8
119.3

14 Cash assets (5)
119.0
120.9
126.5
131.8
132.0

129.7

133.6

135.8

115.5
116.4
137.2
145.9

15 Other assets (6)
140.5
145.2
147.1
156.5
154.0

145.2

148.2

150.0

130.4
141.3
150.9
156.8

16 TOTAL ASSETS (7)
2,627.1
2,668.8
2,705.3
2,775.6
2,777.5

2,737.8

2,767.3

2,523.3
2,613.2
2,786.3
2,793.4
2,793.4

2,112.3

2,134.8

2,003.7
2,045.8
2,145.9
2,147.7
2,162.5

313.4

316.7

326.3

1,798.9

1,818.1

1,690.3
1,746.7
1,819.6
1,807.4
1,812.9

305.0

306.5

309.1

1,493.9

1,511.6

1,386.2
1,447.1
1,510.5
1,498.3
1,503.8

376.6

388.5

328.2
340.0
396.8
387.6

131.6

140.4

114.3
121.1
147.9
137.3

245.0

248.1

213.9
218.9
248.9
250.3

L I A B I L I T I E S
17 Deposits
2,056.3
2,077.0
2,092.9
2,141.8
2,143.4
18
Transaction
307.7
303.1
303.7
305.8
306.0
19
Nontransaction
1,748.6
1,773.9
1,789.3
1,836.0
1,837.4
20
Large time
300.8
301.6
302.5
307.7
307.8
21
Other
1,447.8
1,472.2
1,486.8
1,528.2
1,529.6

22 Borrowings
344.8
358.3
374.3
377.5
398.5
400.3
23
From banks in the U.S.
125.1
132.2
135.8
134.6
150.3
154.2
24
From others
219.7
226.2
238.5
242.9
248.2
246.1
25
9.8
17.2

Net due to related foreign offices
8.5
8.6
12.3
11.3
17.2

26
64.7
76.5

Other liabilities
67.0
68.9
76.7

27 TOTAL LIABILITIES
2,475.6
2,510.7
2,544.8
2,634.0
2,637.7

12.4

313.4
299.2
340.3
349.6

304.2
299.5
309.1
309.1

10.1
13.0

11.7
11.0

53.4
70.3

64.9
69.8

69.6

71.5

71.1

2,571.8

2,594.2

2,395.5
2,462.4
2,617.9
2,627.7
2,630.8

28 Residual (assets less liabilities) (8)
151.6
158.1
160.5
166.1
173.1
141.6
139.9

168.3

127.8
150.8
165.7
162.7

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

H.8 (510)
Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

614.0

620.7

634.7

596.2
605.6
642.6
607.7

263.8

241.6
238.3
267.5
266.4

A S S E T S

1
Bank credit
614.2
620.8
626.2
619.8

618.6

2
241.2
265.4
3
76.4
101.4
4
164.8
163.9

Securities in bank credit
250.0
247.4
245.0
248.9
262.8
Treasury and Agency securities (2)
81.8
86.7
88.8
92.8
102.5
Other securities
168.1
160.7
156.2
156.0
160.4

5
373.0
360.9
6
191.2
175.2
7
18.8
19.0
11
90.8
105.5
12
72.1
61.2

Loans and leases in bank credit (3)
370.8
371.2
369.1
371.8
356.9
Commercial and industrial
189.9
185.5
181.3
179.1
175.3
Real estate
18.8
19.0
19.5
19.8
19.0
Security (4)
90.4
94.6
97.2
105.1
103.0
Other loans and leases
71.7
72.0
71.0
67.8
59.6

101.1

82.1
101.4

76.1
100.2

162.7

159.5
162.2
166.1
166.2

370.9

354.6
367.3
375.1
341.3

178.2

195.3
193.1
178.2
173.4

19.4

17.7
19.4

18.4
19.1

110.2

74.8
116.0

85.5
88.9

63.1

66.7
61.5

70.3
60.0

13
17.5
29.5

Interbank loans
18.5
21.7
32.0

24.9

26.6

31.8

20.6
32.9

20.2
29.2

14
46.0
40.0

Cash assets (5)
46.5
46.0
39.2

45.4

41.0

42.5

39.3
43.9

45.5
38.8

15
29.4
45.0

Other assets (6)
29.0
28.4
47.2

35.1

38.1

41.9

29.4
42.0

27.8
45.0

719.0

726.0

750.4

685.2
698.8
761.0
720.2

466.4

448.5

423.8

440.5
505.2
418.9
405.8

9.8

9.5

9.5

456.6

439.1

414.2

429.3
494.9
409.4
395.1

254.5

283.5

198.4
192.9
294.5
277.6

25.5

29.9

229.0

253.7

174.4
171.6
262.3
245.5

25 Net due to related foreign offices
-81.8
-85.6
-83.7
-72.4
-74.3
-64.8
-71.4

-60.7

-42.3
-86.1
-61.7
-69.6

26 Other liabilities
90.9
96.8
92.7
101.5
98.2

99.9

99.1

99.8

27 TOTAL LIABILITIES
709.3
720.0
719.0
733.6
737.4

727.5

727.8

746.4

16 TOTAL ASSETS (7)
706.7
714.4
714.3
740.4
737.8

L I A B I L I T I E S
17 Deposits
498.9
495.1
486.0
421.0
431.4
18
Transaction
9.9
10.1
10.1
9.5
9.8
19
Nontransaction
489.0
485.0
475.9
411.4
421.5

22 Borrowings
201.3
213.8
224.0
233.6
275.9
279.3
23
From banks in the U.S.
20.8
21.6
22.7
23.1
28.9
31.4
24
From others
180.5
192.1
201.3
210.4
247.0
247.8

28
-2.5
6.8

Residual (assets less liabilities) (8)
-5.7
-4.7
-8.4
-1.8
0.4

4.0

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

11.2
9.5

24.0
32.1

82.0
97.1

10.3
10.7

21.3
32.1

85.5
100.1

678.6
697.5
748.7
713.9
6.6
12.3

1.3
6.4

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
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8

2002

2002

Oct

Nov

Dec

--------

--------

--------

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

614.0

623.5

643.8

603.7
602.6
651.7
621.2

263.8

241.6
238.3
267.5
266.4

A S S E T S

1
Bank credit
608.1
614.6
630.4
629.9

615.2

2
241.2
265.4
3
76.4
101.4
3a
10.7
33.4
3b
65.8
68.0
4
164.8
163.9
4a
108.4
99.8
4b
56.4
64.1

Securities in bank credit (2)
250.0
247.4
245.0
248.9
262.8
Treasury and Agency securities
81.8
86.7
88.8
92.8
102.5
Trading account
13.0
15.2
18.6
20.2
33.1
Investment account
68.8
71.5
70.2
72.7
69.3
Other securities
168.1
160.7
156.2
156.0
160.4
Trading account
109.8
103.9
100.4
99.3
96.2
Investment account
58.4
56.9
55.8
56.8
64.2

5
366.9
365.1
6
189.9
176.4
7

Loans and leases in bank credit (3)
364.6
367.8
369.0
374.6
367.0
Commercial and industrial
188.3
185.4
182.0
180.6
176.0
Real estate

101.1

82.1
101.4

76.1
100.2

30.6

13.3
31.9

10.4
31.7

70.6

68.9
69.5

65.7
68.5

162.7

159.5
162.2
166.1
166.2
105.0

99.3
63.3

103.5
99.3
102.9

54.5
66.8

58.7
63.3

380.0

362.1
364.3
384.1
354.8

179.7

197.0
191.9
180.8
176.6
17.7

18.4

18.8
19.0
11
87.4
107.4
12
70.8
62.3

18.8
19.0
19.5
19.0
Security (4)
87.1
91.8
97.3
111.4
Other loans and leases
70.4
71.6
70.2
60.6

19.8

19.4

19.4

19.1

106.4

116.1

78.8
120.1

84.0
96.6

67.8

64.8

68.5
63.9

70.0
62.6

13
17.5
29.5

Interbank loans
18.5
21.7
32.0

24.9

26.6

31.8

20.6
32.9

20.2
29.2

14
44.1
42.1

Cash assets (5)
45.1
46.1
41.6

46.3

43.4

45.1

41.7
46.9

43.5
41.5

15
28.3
46.4

Other assets (6)
28.6
29.0
48.9

34.5

37.9

43.0

30.2
42.8

26.6
45.9

719.3

731.0

763.2

695.9
692.6
773.9
737.4

459.0

452.1

435.5

452.8
503.4
434.8
418.3

9.9

9.6

449.0

442.5

425.3

440.9
493.3
424.6
406.5

254.5

283.5

198.4
192.9
294.5
277.6

25.5

29.9

229.0

253.7

174.4
171.6
262.3
245.5

25 Net due to related foreign offices
-85.8
-87.6
-82.7
-73.7
-75.4
-63.0
-69.5

-58.6

-39.6
-88.8
-57.0
-64.1

16 TOTAL ASSETS (7)
697.7
706.3
711.6
748.1
751.9

L I A B I L I T I E S
17 Deposits
489.8
480.6
474.0
431.0
441.2
18
Transaction
9.8
9.8
10.3
9.8
10.2
19
Nontransaction
480.0
470.8
463.7
421.2
431.0

22 Borrowings
201.3
213.8
224.0
233.6
275.9
279.3
23
From banks in the U.S.
20.8
21.6
22.7
23.1
28.9
31.4
24
From others
180.5
192.1
201.3
210.4
247.0
247.8

26 Other liabilities
88.7
95.6
93.4
102.8
99.5

99.1

98.4

27 TOTAL LIABILITIES
694.0
702.4
708.6
746.7
750.6

717.9

729.6

10.2

101.4

761.8

11.9
10.2

24.0
32.1

83.2
100.2

10.1
11.8

21.3
32.1

84.1
104.2

694.9
691.6
772.5
736.0

28
3.6
1.4

Residual (assets less liabilities) (8)
3.9
2.9
1.3
1.4
1.4

1.4

1.0
1.4

1.0
1.4

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

H.8 (510)
Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars
January 28, 2003
Account
2002

2002

2002

Aug
Jan 15

Sep

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

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

2001

2002

2002

Oct

Nov

Dec

--------

--------

--------

2002
2002
Week ending
Dec
Jun
Jul
Dec 25
Jan 1
Jan 8
-------- ---------------------------

LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers
29 Reval. gains on off-bal. sheet items (9)
105.8
112.3
119.1
110.9
117.1
127.2
123.5
30 Reval. losses on off-bal. sheet items (9)
89.7
94.2
100.5
94.2
100.8
105.0
102.0
31 Mortgage-backed securities (10)
320.2
338.4
343.7
355.1
372.6
379.1
31a
Pass-through
236.5
253.6
254.9
261.5
275.1
280.4
31b
CMO, REMIC, and other
83.7
84.8
88.9
93.5
97.5
98.7
32
8.3
11.6

124.4

105.6

80.6
92.9
130.9
139.9
68.4
112.7

75.7
118.5

370.2

362.9

311.3
312.8
354.2
364.4

274.4

265.5

209.1
224.8
258.4
267.5

95.8

97.4

102.2
95.8

Net unrealized gains (losses) on
available-for-sale securities (11)
9.1
11.5
12.5
11.8
11.9

11.0

4.6
11.2

88.0
96.9

6.7
11.7

33
19.1
18.4

Offshore credit to U.S. residents (12)
19.0
19.0
18.4
18.5
18.4

34 Securitized consumer loans (13)
144.1
141.5
140.6
142.7
145.1
146.4
34a
Credit card and related plans
128.1
125.5
125.0
127.5
130.3
131.7
34b
Other
16.0
16.0
15.6
15.2
14.8
14.8
35
17.1
16.6

Securitized business loans (13)
17.8
17.7
17.5
16.5

18.7

19.1
18.7

19.6
18.3

146.8

148.3

140.5
140.0
147.8
147.9

131.4

133.2

129.4
126.9
132.8
133.0

15.3

15.0

11.2
15.0

13.1
14.9

17.1

16.9

19.7
16.8

16.9
16.6

SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers
31 Mortgage-backed securities (10)
297.2
298.8
304.3
307.2
309.1
306.0
34 Securitized consumer loans (13)
203.0
202.1
199.9
198.3
206.6
205.3
34a
Credit card and related plans
199.4
199.0
195.9
189.3
198.1
196.8
34b
Other
3.6
3.1
3.9
8.9
8.5
8.5

309.0

311.1

275.3
298.9
310.8
312.5

198.7

201.2

206.1
207.3
203.0
205.8

189.8

192.5

197.7
200.3
194.4
197.3

8.9

8.7

8.4
8.6

7.0
8.5

FOREIGN-RELATED INSTITUTIONS
29
61.5
65.8

Reval. gains on off-bal. sheet items (9)
65.1
62.5
62.0
63.2
65.7

64.1

60.7
64.4

55.2
67.8

30
57.4
62.5

Reval. losses on off-bal. sheet items (9)
64.8
61.5
60.3
60.4
60.8

59.8

54.2
59.5

49.3
62.8

35
9.4
6.7

Securitized business loans (13)
9.1
8.1
7.6
6.7

6.9

12.9
6.8

7.3

9.9
6.6

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

H.8 (510)
Page 14

Footnotes

January 28, 2003
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.