Supplementary Information Regarding Balance Sheet Data for July 2, 2003

Commercial bank balance sheet data for July 2, 2003, have been affected by
consolidations of the assets and liabilities
of several variable interest entities onto the balance sheets of the banks that
sponsor them. Variable interest entities
encompass many entities that have been commonly referred to as special purpose
entities. These consolidations were
implemented in accordance with Financial Accounting Standards Board Interpretation
No. 46. For more information on these
consolidations, please see Financial Accounting Standards Board Interpretation No.
46, Consolidation of Variable Interest
Entities, available at www.fasb.org/int46.shtml. Preliminary information suggests
that these consolidations have increased
H.8 balance sheet item 4, other securities, by about $3 billion, balance sheet
item 6, commercial and industrial loans,
by about $17 billion, balance sheet item 12, other loans and leases, by about $40
billion, and balance sheet item 24,
borrowings from others, by about $60 billion.

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
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

6,026.4

6,126.1

5,537.1
5,894.7
6,177.1
6,176.2
6,170.9

A S S E T S

1
Bank credit
5,889.1
5,965.3
6,161.9
6,210.0

5,994.7

2
Securities in bank credit
1,702.6
1,746.0
1,757.8
1,769.7
1,826.7
1,838.4
1,846.9
3
Treasury and Agency securities (2)
1,022.6
1,051.0
1,063.5
1,095.6
1,126.9
1,142.3
1,136.4

1,559.6
1,708.7
1,847.4
1,853.2
1,841.9
1,142.6

908.7
1,020.1
1,142.1
1,145.9

4
680.1
696.2

Other securities
695.0
694.3
710.5

674.1

5
Loans and leases in bank credit
4,186.5
4,219.3
4,236.8
4,256.7
4,323.4
4,363.1
6
Commercial and industrial
961.5
955.2
949.6
947.5
918.7
923.8
7
Real estate
2,048.3
2,081.0
2,095.0
2,111.2
2,141.8
2,169.3
8
Revolving home equity
217.7
222.2
229.3
233.2
244.4
245.8
9
Other
1,830.7
1,858.8
1,865.7
1,878.0
1,897.4
1,923.5
10
Consumer
592.0
591.9
587.0
583.9
594.1
590.9
11
Security (4)
174.8
181.3
193.6
190.4
224.7
205.2
12
Other loans and leases
409.8
409.9
411.6
423.6
444.1
474.0

650.9
688.6
711.1
696.1

699.7

704.9

(3)
4,299.5

3,977.5
4,186.0
4,329.6
4,323.0
4,329.0

936.9

922.2

2,134.3

1,842.0
2,030.2
2,155.6
2,164.7
2,156.2

236.9

243.4

1,897.4

1,656.4
1,816.4
1,912.3
1,922.8
1,912.6

587.9

593.9

567.8
588.2
592.0
600.0

209.7

213.4

169.5
189.5
209.9
209.6

430.5

444.5

407.4
412.1
434.4
440.3

990.8
966.0
922.0
922.9

185.6
213.8
241.9
243.6

13 Interbank loans
307.3
305.0
314.0
336.5
313.2

305.6

318.6

322.9

282.7
328.4
318.2
323.9

14 Cash assets (5)
313.7
318.3
326.5
359.4
322.7

326.8

325.2

336.9

308.5
316.9
349.6
326.7

15 Other assets (6)
508.1
531.9
522.2
568.7
586.9

529.2

554.0

571.4

477.4
508.1
579.8
558.7

16 TOTAL ASSETS (7)
6,941.1
7,043.5
7,080.7
7,350.0
7,357.4

7,112.4

7,248.0

6,530.2
6,971.4
7,332.1
7,347.8
7,303.9

4,613.3

4,646.3

4,373.6
4,487.4
4,706.6
4,684.6
4,706.1

632.2

633.4

639.8

3,981.0

4,012.9

3,774.5
3,876.1
4,066.7
4,059.0
4,069.1

985.4

999.0

L I A B I L I T I E S
17 Deposits
4,506.9
4,535.4
4,585.6
4,725.1
4,732.8
18
Transaction
608.0
613.7
619.5
689.5
627.7
19
Nontransaction
3,899.0
3,921.6
3,966.1
4,035.6
4,105.1
20
Large time
979.4
995.2
1,001.6

1,001.3

599.0
611.3
625.6
637.0

1,034.8
978.6
992.8
1,010.2

993.2
1,004.4
21
Other
2,919.6
2,926.4
3,042.4
3,100.7

2,964.5

2,995.6

3,013.9

2,739.7
2,897.6
3,065.5
3,066.3
3,058.8

22 Borrowings
1,232.1
1,397.3
1,331.2
1,362.7
1,384.0
1,392.4
1,434.2
1,474.4
1,480.8
1,463.3
1,465.8
1,507.9
23
From banks in the U.S.
378.5
417.5
380.8
388.1
397.4
397.4
389.7
405.0
404.9
397.0
410.6
412.1
24
From others
853.6
979.8
950.4
974.6
986.6
995.0
1,044.4
1,069.4
1,075.9
1,066.3
1,055.1
1,095.8
25 Net due to related foreign offices
161.2
150.6
145.4
155.2
160.9
142.5
144.0

140.4

88.6
152.0
145.0
134.6

26 Other liabilities
446.4
460.0
454.0
486.3
489.4

458.2

485.0

496.7

376.3
442.5
514.5
492.7

27 TOTAL LIABILITIES
6,445.7
6,508.6
6,569.0
6,819.7
6,874.1

6,619.0

6,726.3

6,070.5
6,479.2
6,818.1
6,824.9
6,796.7

28 Residual (assets less liabilities) (8)
495.4
534.9
511.7
493.4
521.7
530.3
483.3

514.0

459.7
492.2
522.9
507.2

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

H.8 (510)
Page 2
ASSETS AND LIABILITIES OF COMMERCIAL BANKS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2003

2003

Apr

May

Jun

--------

--------

--------

A S S E T S

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25
-------- ---------------------------

1
Bank credit
5,906.2
5,968.7
6,145.6
6,218.7

5,983.5

6,021.0

6,120.9

5,534.2
5,928.7
6,173.4
6,175.9
6,164.2

2
Securities in bank credit
1,713.0
1,755.1
1,762.9
1,767.5
1,824.4
1,825.9
1,836.2
3
Treasury and Agency securities (2)
1,027.4
1,057.4
1,068.5
1,095.5
1,124.9
1,133.0
1,129.7
4
Other securities
685.6
697.8
694.4
672.1
699.5
692.9
706.5

1,554.8
1,715.3
1,841.3
1,853.3
1,834.0

5
Loans and leases in bank credit (3)
4,193.2
4,213.6
4,220.6
4,253.5
4,296.5
4,319.7
4,382.5
6
Commercial and industrial
955.6
953.2
951.0
951.3
940.7
922.8
933.3
7
Real estate
2,048.7
2,076.8
2,086.0
2,107.6
2,138.2
2,141.9
2,172.8
8
Revolving home equity
217.0
222.5
227.2
233.0
238.1
245.6
246.6
9
Other
1,831.7
1,854.3
1,858.7
1,874.6
1,900.1
1,896.3
1,926.3
10
Consumer
599.7
595.1
584.7
581.1
586.8
592.4
588.8
10a
Credit card and related plans
234.0
225.8
219.6
215.2
220.4
224.2
218.0
10b
Other
365.6
369.2
365.1
365.9
366.3
368.2
370.7
11
Security (4)
181.0
183.0
189.2
189.6
202.0
221.0
202.6
12
Other loans and leases
408.2
405.6
409.8
423.9
428.8
441.5
484.9

3,979.4
4,213.4
4,332.1
4,322.6
4,330.2

1,137.9

905.1
1,024.4
1,141.3
1,139.3

703.5

649.7
691.0
712.0
694.7

926.2

994.9
964.7
923.5
925.6

1,842.8
2,034.8
2,156.9
2,169.3
2,152.9
244.2

186.2
213.4
242.7
244.4

1,656.6
1,821.4
1,912.7
1,926.6
1,908.5
590.6

564.1
597.1
588.1
594.3

222.2

220.7
238.5
220.5
225.9

368.3

343.3
358.5
367.6
368.5

212.0

168.8
200.1
207.2
216.0

446.4

408.7
416.7
434.5
441.4

13 Interbank loans
304.0
302.2
320.5
320.4
325.7

316.7

314.3

324.0

284.5
335.4
323.6
325.5

14 Cash assets (5)
329.7
318.8
315.6
330.8
337.7

325.2

321.4

327.4

300.1
339.1
325.1
322.8

15 Other assets (6)
511.9
529.4
521.5
558.0
589.5

528.6

552.0

565.4

472.9
512.9
572.5
551.0

16 TOTAL ASSETS (7)
6,974.9
7,041.9
7,064.1
7,278.3
7,395.9

7,232.4

6,516.2
7,039.5
7,314.0
7,320.7
7,287.0

4,638.4

4,639.3

4,363.0
4,538.2
4,695.7
4,685.7
4,692.5

638.1

623.2

634.5

4,000.3

4,016.1

3,768.8
3,894.1
4,061.2
4,074.0
4,057.6

7,115.9

L I A B I L I T I E S
17 Deposits
4,530.3
4,556.3
4,592.7
4,661.7
4,753.6
18
Transaction
622.0
606.1
611.1
657.8
655.1
19
Nontransaction
3,908.2
3,950.2
3,981.6
4,003.9
4,098.5
20
Large time
996.0
1,005.8
1,004.3
988.6
993.3
21
Other
2,912.3
2,944.3
2,977.3
3,015.3
3,105.2

989.8
3,010.5

1,002.7
3,013.4

999.4

594.2
644.1
611.7
635.0

1,032.7
991.3
996.6
1,008.8

2,736.1
2,902.8
3,061.8
3,077.5
3,048.7

22 Borrowings
1,231.2
1,396.5
1,344.3
1,364.9
1,380.4
1,396.5
1,439.9
1,473.6
1,462.3
1,472.3
1,471.0
1,506.4
23
From banks in the U.S.
376.9
419.3
385.4
391.6
400.8
401.5
392.1
403.2
399.6
397.4
408.4
410.0
24
From others
854.3
977.2
958.9
973.2
979.6
995.0
1,047.8
1,070.4
1,062.7
1,075.0
1,062.6
1,096.4
25 Net due to related foreign offices
165.3
156.1
143.3
145.4
160.3
142.2
138.6

137.5

85.5
158.2
142.5
129.3

26 Other liabilities
450.2
466.3
450.3
486.2
483.7

445.7

484.2

493.4

373.9
449.5
511.7
486.5

27 TOTAL LIABILITIES
6,490.0
6,543.5
6,566.8
6,761.1
6,882.3

6,626.1

6,723.7

6,053.7
6,542.3
6,800.3
6,802.2
6,780.7

28 Residual (assets less liabilities) (8)
484.9
498.4
497.3
489.8
508.6
517.2
513.6

513.7

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

462.5
497.2
518.5
506.3

H.8 (510)
Page 3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED
STATES (1)
Seasonally adjusted, billions of dollars
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

5,378.1

5,464.6

4,933.6
5,258.7
5,514.6
5,501.7
5,512.0

A S S E T S

1
Bank credit
5,261.1
5,324.4
5,502.9
5,562.5

5,337.2

2
Securities in bank credit
1,323.7
1,447.1
1,439.7
1,472.7
1,480.1
1,498.6
1,544.4
1,566.0
1,559.2
1,560.6
1,563.3
1,580.1
3
Treasury and Agency securities (2)
832.7
918.2
918.7
940.5
947.1
976.6
1,002.7
1,019.9
1,013.8
1,023.4
1,021.3
1,022.4
4
Other securities
490.9
528.9
521.0
532.3
533.0
522.0
541.8
546.1
545.4
537.2
542.0
557.7
5
Loans and leases in bank credit
3,821.4
3,851.7
3,857.2
3,879.6
3,939.5
3,982.4
6
Commercial and industrial
784.3
781.0
778.0
775.5
758.6
762.4
7
Real estate
2,028.6
2,061.3
2,075.1
2,092.2
2,122.3
2,150.1
8
Revolving home equity
217.7
222.2
229.3
233.2
244.4
245.8
9
Other
1,811.0
1,839.1
1,845.8
1,859.0
1,877.9
1,904.3
10
Consumer
592.0
591.9
587.0
583.9
594.1
590.9
11
Security (4)
71.5
73.2
72.2
72.4
100.6
86.2

(3)
3,920.1

3,609.9
3,811.7
3,948.6
3,942.5
3,951.4

767.4

760.5

2,115.2

1,823.6
2,010.7
2,136.4
2,145.6
2,137.2

236.9

243.4

1,878.3

1,638.0
1,796.9
1,893.1
1,903.7
1,893.6

587.9

593.9

91.2

92.2

798.7
787.6
759.4
761.2

185.6
213.8
241.9
243.6

567.8
588.2
592.0
600.0
83.6
88.4

79.4
91.2

12
345.0
363.9

Other loans and leases
344.4
344.9
355.4
392.8

358.3

365.6

336.3
345.8
357.2
361.8

13 Interbank loans
279.1
278.0
286.7
307.9
282.3

283.1

294.0

292.1

262.4
298.3
285.4
291.2

14 Cash assets (5)
273.6
279.6
282.7
304.8
265.7

276.7

273.0

280.7

261.5
272.3
291.5
269.9

15 Other assets (6)
468.8
491.9
486.9
518.2
535.4

489.3

506.5

519.4

450.1
472.2
528.9
503.5

16 TOTAL ASSETS (7)
6,206.0
6,297.5
6,317.3
6,557.7
6,570.8

6,352.1

6,462.5

5,832.6
6,225.4
6,531.2
6,531.9
6,500.8

4,176.9

4,207.6

3,868.2
4,061.9
4,256.0
4,230.1
4,249.1

620.9

622.4

628.2

3,555.9

3,585.2

3,279.5
3,459.8
3,627.8
3,615.7
3,623.4

582.1

595.3

591.4

2,973.9

2,989.9

2,737.1
2,889.9
3,036.5
3,035.4
3,031.1

1,132.4

1,039.1
1,119.4
1,161.0
1,161.5
1,150.3

358.1

369.9

357.7
387.5
373.6
361.7

774.2

791.1

681.3
731.9
787.9
788.5

25 Net due to related foreign offices
231.5
229.1
229.2
228.0
238.7
219.9
223.1

221.7

175.3
212.1
230.6
214.2

26 Other liabilities
346.0
355.2
354.1
375.4
374.6

292.2
340.3
395.3
378.5

L I A B I L I T I E S
17 Deposits
4,080.4
4,092.5
4,137.2
4,284.9
4,282.3
18
Transaction
598.2
603.5
608.0
677.5
615.3
19
Nontransaction
3,482.2
3,489.0
3,529.2
3,607.4
3,667.0
20
Large time
577.6
583.5
583.6
593.3
598.6
21
Other
2,904.6
2,905.5
2,945.6
3,014.0
3,068.5

22 Borrowings
1,062.1
1,092.7
1,095.9
1,099.1
1,153.1
1,202.6
23
From banks in the U.S.
349.8
357.0
363.7
369.9
374.9
372.0
24
From others
712.3
735.7
732.1
729.2
778.2
830.6

27 TOTAL LIABILITIES
5,720.0
5,769.5
5,816.4

588.7
602.1
614.4
625.6

542.4
569.9
580.4
592.3

363.2

375.1

382.1

5,867.1

5,953.7

5,374.7
5,733.7
6,020.7
6,017.5
5,992.1

6,033.3

6,082.7

28 Residual (assets less liabilities) (8)
486.0
528.0
501.0
485.0
508.8
524.4
488.1

510.5

457.9
491.7
514.4
508.7

------------------------------------------------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
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

5,372.9

5,464.0

4,933.4
5,282.7
5,514.4
5,506.7
5,505.1

A S S E T S

1
Bank credit
5,270.5
5,323.4
5,490.8
5,573.9

5,327.9

2
Securities in bank credit
1,318.9
1,453.7
1,450.1
1,481.9
1,485.1
1,496.4
1,542.2
1,559.8
1,559.2
1,552.7
1,550.8
1,569.4
3
Treasury and Agency securities (2)
829.2
922.4
923.5
946.8
952.1
976.4
1,000.7
1,015.2
1,012.9
1,016.9
1,012.0
1,015.7
4
Other securities
489.7
531.3
526.6
535.1
533.0
520.0
541.5
544.7
546.3
535.8
538.8
553.7
5
Loans and leases in bank credit
3,820.4
3,841.6
3,842.8
3,876.5
3,940.0
4,004.5
6
Commercial and industrial
778.3
777.6
777.8
780.3
762.9
771.4
7
Real estate
2,029.0
2,057.1
2,066.1
2,088.6

(3)
3,921.8

3,614.5
3,829.1
3,954.6
3,947.5
3,952.4

773.0

765.0

2,119.0

1,824.4
2,015.3
2,137.7
2,150.2
2,133.9

803.4
784.9
761.9
764.7

2,122.4
8
217.0
245.6
9
1,812.0
1,876.8
10
599.7
592.4
10a
234.0
224.2
10d
365.6
368.2
11
70.7
99.7
12
342.7
362.6

2,153.7
Revolving home equity
222.5
227.2
233.0
238.1
246.6
Other
1,834.5
1,838.9
1,855.6
1,880.9
1,907.1
Consumer
595.1
584.7
581.1
586.8
588.8
Credit card and related plans
225.8
219.6
215.2
220.4
218.0
Other
369.2
365.1
365.9
366.3
370.7
Security (4)
72.0
71.9
71.3
85.8
86.7
Other loans and leases
339.9
342.2
355.1
357.2
404.0

244.2

186.2
213.4
242.7
244.4

1,638.2
1,801.9
1,893.5
1,907.5
1,889.5
590.6

564.1
597.1
588.1
594.3

222.2

220.7
238.5
220.5
225.9

368.3

343.3
358.5
367.6
368.5

93.3

84.6
89.9

83.4
96.1

368.0

338.0
348.4
357.4
363.3

13 Interbank loans
275.9
275.2
293.3
291.8
294.8

294.3

289.6

293.3

264.3
305.4
290.9
292.8

14 Cash assets (5)
286.6
279.1
273.0
279.0
283.4

277.3

271.0

273.9

255.4
291.3
270.0
268.6

15 Other assets (6)
471.2
488.9
485.3
510.1
540.7

488.9

504.3

515.5

446.7
475.9
522.8
498.3

16 TOTAL ASSETS (7)
6,227.7
6,289.8
6,302.9
6,495.8
6,617.6

6,358.2

6,453.1

5,824.6
6,279.2
6,521.3
6,514.4
6,488.8

4,196.0

4,195.2

3,859.7
4,101.8
4,247.1
4,229.8
4,237.9

627.4

612.6

623.3

3,568.6

3,582.6

3,275.6
3,467.7
3,623.8
3,628.6
3,614.0

580.2

593.5

590.9

2,988.4

2,989.1

2,733.6
2,895.0
3,032.9
3,046.4
3,021.1

L I A B I L I T I E S
17 Deposits
4,087.5
4,103.3
4,140.3
4,224.1
4,311.4
18
Transaction
612.0
595.8
600.0
646.3
642.2
19
Nontransaction
3,475.6
3,507.4
3,540.3
3,577.8
3,669.2
20
Large time
578.9
584.4
582.1
590.8
595.5
21
Other
2,896.7
2,923.0
2,958.2
2,987.0
3,073.6
22

Borrowings

584.2
634.1
601.3
624.0

542.0
572.7
582.2
592.8

1,038.3

1,118.5

1,075.2
1,094.9
1,092.2
1,103.2
1,158.4
1,201.1
23
From banks in the U.S.
354.4
360.5
367.1
374.0
372.7
370.0
24
From others
720.8
734.4
725.1
729.2
785.7
831.1

1,138.1

1,160.1

360.5

368.1

356.2
389.2
368.3
362.1

777.6

792.0

682.1
729.3
774.7
797.2

25 Net due to related foreign offices
233.1
233.4
224.9
218.7
237.8
220.6
220.6

220.5

174.5
216.6
229.8
211.5

26 Other liabilities
348.0
360.6
348.8
376.1
371.5

351.0

374.0

380.4

291.0
346.1
393.9
374.5

27 TOTAL LIABILITIES
5,743.8
5,792.1
5,806.2
5,979.2
6,104.6

5,869.0

5,945.1

5,363.4
5,783.0
6,008.1
5,996.5
5,983.1

28 Residual (assets less liabilities) (8)
483.9
497.7
496.7
489.2
508.0
516.6
513.0

513.1

1,143.0

1,159.3

461.1
496.1
517.9
505.7

------------------------------------------------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
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2003

2003

Apr

May

Jun

--------

--------

--------

A S S E T S

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25
-------- ---------------------------

1
Bank credit
2,873.5
2,920.0
3,034.0
3,097.7
2
774.4
880.5
3
461.0
537.8
3a
41.2
32.7
3b
419.8
505.1
4
313.3
342.8
4a
160.0
186.8
4b
153.3
156.0
4c
29.4
32.7
4d
123.9
123.3

2,917.2

2,937.6

3,012.8

Securities in bank credit
805.5
803.1
810.0
856.5
896.0
Treasury and Agency securities (2)
479.7
476.4
493.2
520.0
541.2
Trading account
54.5
41.8
40.7
43.6
40.5
Investment account
425.3
434.5
452.5
476.4
500.7
Other securities
325.7
326.7
316.8
336.6
354.8
Trading account
172.6
171.6
161.5
183.4
186.9
Investment account
153.1
155.1
155.3
153.2
167.9
State and local government
29.6
30.1
30.9
31.3
32.3
Other
123.5
125.0
124.4
121.9
135.6

5
Loans and leases in bank credit (3)
2,099.1
2,114.5
2,114.1
2,127.5
2,156.2
2,153.4
2,201.7
6
Commercial and industrial
488.7
483.6
479.8
477.5
469.1
461.1
464.9
7
Real estate
1,010.7
1,032.4
1,039.2
1,045.4
1,060.8
1,053.1
1,081.0
8
Revolving home equity
140.2
142.7
148.1
150.7
153.0
157.6
158.8
9
Other
870.5
889.7
891.1
894.8
907.8
895.4
922.2
10
Consumer
297.2
295.1
291.7
290.2
290.3
292.0
290.2
11
Security (4)
63.5
64.9
64.0
64.2
82.5
91.0
77.3
11a
Fed funds and RPs with broker/dealer
52.8
54.2
52.6
52.4
63.0
72.5
60.6
11b
Other
10.6
10.7
11.4
11.8
19.5

2,670.5
2,876.3
3,045.0
3,036.3
3,029.5

880.4

687.0
780.2
872.4
873.9

536.0

403.3
458.3
530.3
537.3

38.8

42.5
42.8

44.6
36.5

497.3

360.8
413.7
487.5
500.8

344.4

283.7
321.9
342.1
336.6

188.0

148.2
164.9
189.6
182.3

156.3

135.5
157.0
152.5
154.3

32.2
124.1

27.3
31.8

29.5
32.4

108.2
127.5
120.7
121.9

1,983.5
2,096.1
2,164.6
2,163.9
2,155.7
461.6

513.2
491.5
460.4
460.3

1,067.8

871.5
994.7
1,078.3
1,064.3

156.6

117.4
137.1
155.6
156.2

911.2

754.1
857.6
922.7
908.1

292.5

283.6
297.1
293.6
293.7

83.1

77.0
79.6

71.8
82.0

65.7

65.2
62.4

61.4
65.3

17.4

11.9
17.2

10.4
16.8

18.5
12a
12.0
12.8
12b
8.2
7.3
12c
24.3
28.7
12d
75.6
91.2
12e
119.0
116.3

16.7
State and local government
12.3
12.5
12.4
12.4
12.8
Agricultural
7.9
7.9
7.7
7.5
7.3
Fed funds and RPs with others
24.3
23.9
25.1
26.9
32.3
All other loans
75.2
76.7
87.8
89.1
125.7
Lease financing receivables
118.7
118.4
117.3
117.5
110.3

13 Interbank loans
164.4
160.3
170.1
169.2
169.8
160.0
13a
Fed funds and RPs with banks
95.6
90.2
99.5
98.1
102.0
95.5
13b
Other
68.8
70.1
70.6
71.1
67.9
64.5

13.1
12.6

11.9
12.6

9.2
7.4

8.3
7.4

28.7

18.4
27.4

25.4
28.2

95.0

69.6
87.3

74.6
90.1

12.7
7.4

115.8

127.7
121.0
117.1
116.9

169.0

163.6

175.5
190.7
162.4
162.1

99.7

97.4

87.7
94.8

96.2
96.8

69.3

66.2

87.9
67.7

94.5
65.3

14 Cash assets (5)
149.5
150.8
151.1
163.4
142.1

142.9

140.2

148.0

147.0
149.9
154.5
139.4

15 Other assets (6)
327.8
347.8
340.7
362.1
363.9

340.5

350.4

359.4

311.3
331.0
367.1
348.2

16 TOTAL ASSETS (7)
3,470.2
3,533.8
3,533.8
3,684.6
3,720.0

3,545.9

3,627.8

3,259.7
3,503.8
3,671.6
3,675.8
3,634.7

------------------------------------------------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)
July 11, 2003

2003

2003

Account
2003

2003

2003

2002
Jun

2002
2003
Week ending
Dec
Jan

Feb
Jul 2

Mar

Apr

May

Jun

Jun 11

Jun 18

Jun 25

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

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

--------

--------

--------

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

2,027.7

2,034.4

1,851.8
1,973.9
2,066.4
2,039.5
2,060.5

295.7

296.8

299.0

1,732.0

1,737.7

1,558.1
1,682.9
1,767.4
1,743.6
1,762.5

267.0

278.9

272.2

1,465.0

1,458.8

1,313.2
1,420.4
1,495.2
1,483.5
1,488.9

712.2

736.2

707.2
731.1
740.2
721.3

200.4

210.5

243.0
249.6
217.3
201.1

511.7

525.8

464.2
481.5
522.9
520.2

25 Net due to related foreign offices
216.4
216.5
218.5
215.2
226.3
207.3
210.5

209.6

163.6
199.7
220.6
200.7

26 Other liabilities
275.0
279.0
274.1
290.9
286.5

282.3

291.8

297.1

229.0
276.4
310.7
294.7

27 TOTAL LIABILITIES
3,130.8
3,162.8
3,185.0
3,306.6
3,378.0

3,212.1

3,264.7

2,951.7
3,181.0
3,309.3
3,311.0
3,277.1

L I A B I L I T I E S
17 Deposits
1,983.8
1,984.5
2,003.3
2,087.3
2,102.4
18
Transaction
288.2
290.3
290.6
327.7
284.3
19
Nontransaction
1,695.5
1,694.2
1,712.7
1,759.6
1,818.1
20
Large time
270.8
273.5
268.9
274.6
279.5
21
Other
1,424.7
1,420.7
1,443.8
1,485.0
1,538.6

22 Borrowings
655.7
682.8
689.1
686.9
721.2
778.5
23
From banks in the U.S.
193.8
196.4
204.9
209.1
210.9
211.5
24
From others
461.9
486.4
484.2
477.8
510.3
567.1

28 Residual (assets less liabilities) (8)
339.4
371.0
348.8
333.9
363.2
378.0
342.0

362.3

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

293.7
291.0
295.9
297.9

244.9
262.5
260.1
273.6

308.0
322.7
364.8
357.6

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
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

2,934.1

3,013.8

2,672.6
2,888.8
3,047.1
3,042.9
3,035.1

A S S E T S

1
Bank credit
2,880.8
2,922.2
3,020.9
3,101.1
2
783.0
866.8
3
464.1
527.2
3a
41.5
32.0
3b
422.5
495.2
3c
325.1
388.6
3d
97.5
106.6
3e
21.3
23.7
3f
58.6
58.0
3g
17.5
24.9
4
318.9
339.5
4a
162.9

2,911.1

Securities in bank credit
813.8
805.4
806.4
855.1
884.8
Treasury and Agency securities (2)
485.2
478.6
491.6
518.7
534.0
Trading account
55.1
42.1
40.6
43.5
40.0
Investment account
430.1
436.6
451.0
475.2
494.0
Mortgage-backed
331.3
334.5
354.3
380.2
389.4
Other
98.8
102.0
96.7
95.0
104.6
1 year or less
22.9
24.4
24.6
23.2
24.3
Between 1 and 5 years
57.4
57.4
55.2
55.2
56.1
More than 5 years
18.6
20.3
16.9
16.7
24.2
Other securities
328.5
326.8
314.8
336.3
350.8
Trading account
174.1
171.7
160.5
183.2

874.7

682.6
785.3
873.0
867.7

531.8

400.1
461.0
530.0
532.5

38.5

42.2
42.8

44.9
36.2

493.2

357.9
416.1
487.2
496.3

389.5

279.5
319.0
387.3
388.9

103.7

78.5
99.9

97.1
107.5

24.1

14.8
23.8

24.1
25.2

57.4

50.3
56.4

56.6
59.3

22.3

13.3
19.7

16.4
23.0

342.9

282.5
324.3
343.0
335.2

187.3

147.5
166.1
190.1
181.5

185.0
4b
156.0
154.5
4c
30.0
32.4
4d
126.1
122.2

184.8
Investment account
154.4
155.1
154.3
153.1
166.0
State and local government
29.8
30.1
30.7
31.3
31.9
Other
124.6
125.0
123.6
121.8
134.1

5
Loans and leases in bank credit (3)
2,097.9
2,108.4
2,105.7
2,127.7
2,158.7
2,154.2
2,216.3
6
Commercial and industrial
484.2
481.7
479.8
480.0
472.2
462.7
469.5
7
Real estate
1,009.7
1,028.1
1,032.4
1,043.6
1,065.2
1,052.8
1,082.3
8
Revolving home equity
139.3
143.0
146.5
150.6
154.2
158.7
159.3
9a
Other residential
546.5
561.3
561.9
570.7
589.4
572.8
603.3
9b
Commercial
323.8
323.9
324.0
322.2
321.6
321.3
319.7
10
Consumer
302.0
298.3
292.2
290.8
291.2
292.3
289.5
10a
Credit card and related plans
115.3
109.7
105.9
103.5
103.8
104.7
99.7
10f
Other
186.7
188.6
186.4
187.3
187.4
187.6
189.8
11
Security (4)
63.0
63.9
63.5
62.9
77.3
90.8
77.7
11a
Fed funds and RPs with broker/dealer
52.4
53.3
52.2
51.3
59.0
72.3
60.9
11b
Other
10.6
10.6
11.3
11.6
18.3
18.5
16.8
12a
State and local government
12.0
12.3
12.5
12.4
12.4
12.8
12.8
12b
Agricultural
8.2
7.8
7.8
7.7
7.6
7.5
7.4
12c
Fed funds and RPs with others
24.3
24.3
23.9
25.1
26.9
28.7
32.3
12d
All other loans
73.7
71.9
74.5
87.6
88.5

155.6
32.1
123.6

134.9
158.1
152.9
153.6
27.2
31.9

29.7
32.2

107.7
128.4
121.0
121.4

1,990.0
2,103.5
2,172.4
2,170.0
2,167.4
463.9

515.6
488.9
461.1
463.0

1,070.2

873.4
996.0
1,083.4
1,066.5

157.6

118.1
136.2
156.4
157.6

591.7

437.1
536.8
605.6
587.5

321.0

318.2
322.9
321.4
321.4

292.7

283.7
299.5
293.6
294.1

104.8

112.5
117.3
106.0
106.7

187.8

171.2
182.2
187.6
187.4

84.3

78.1
80.8

75.7
87.1

66.6

66.1
63.3

64.8
69.3

17.6

12.0
17.5

10.9
17.8

12.7

13.1
12.6

11.9
12.6

9.4
7.5

8.2
7.5

28.7

18.4
27.4

25.4
28.2

97.1

70.8
86.7

76.6
91.9

7.5

90.9
12e
120.9
115.7

134.7
Lease financing receivables
120.1
119.1
117.7
110.1

13 Interbank loans
167.6
158.5
170.2
172.5
169.4
173.5
13a
Fed funds and RPs with banks
97.4
89.3
99.6
100.0
101.7
103.6
13b
Other
70.2
69.3
70.6
72.5
67.7
69.9

117.5

115.4

127.3
121.3
116.8
116.5

169.7

167.9

179.7
195.2
162.6
168.4

100.1

99.9

89.6
94.8

98.4
100.4

69.6

68.0

90.2
67.7

96.8
67.9

14 Cash assets (5)
158.3
150.8
146.0
147.7
150.9

145.8

139.2

143.4

142.7
161.5
140.5
140.2

15 Other assets (6)
330.2
344.7
339.0
354.0
369.1

340.1

348.2

355.4

307.9
334.8
361.0
343.0

16 TOTAL ASSETS (7)
3,492.2
3,530.7
3,520.8
3,647.5
3,750.8

3,548.3

3,626.2

3,258.2
3,536.2
3,669.2
3,662.2
3,641.9

------------------------------------------------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)
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

2,035.1

2,030.1

1,852.2
1,990.3
2,066.9
2,043.5
2,065.3

301.9

292.5

296.3

L I A B I L I T I E S
17 Deposits
1,984.7
1,988.5
2,001.4
2,054.1
2,123.6
18
Transaction
297.0
286.0
286.2
308.6
301.5

291.2
311.4
286.5
299.3

19
Nontransaction
1,687.7
1,702.5
1,715.1
1,745.5
1,822.1
20
Large time
272.1
274.4
267.4
272.0
276.5
21
Other
1,415.6
1,428.1
1,447.7
1,473.5
1,545.6

1,733.2

1,737.6

1,561.0
1,679.0
1,770.6
1,757.1
1,766.0

265.2

277.1

271.8

1,468.1

1,460.5

1,316.5
1,413.7
1,498.9
1,495.2
1,491.9

717.9

735.4

706.4
730.2
721.7
730.3

202.8

208.7

241.4
251.3
212.0
201.5

515.1

526.7

465.0
478.9
509.7
528.8

25 Net due to related foreign offices
218.0
220.8
214.2
205.9
225.4
208.0
208.0

208.4

162.8
204.2
219.7
198.0

26 Other liabilities
276.9
284.5
268.8
291.6
283.4

270.2

290.7

295.4

227.8
282.2
309.3
290.6

27 TOTAL LIABILITIES
3,148.4
3,178.7
3,169.9
3,280.1
3,392.0

3,202.2

3,264.1

2,949.2
3,206.9
3,306.2
3,294.3
3,284.1

22 Borrowings
668.8
685.0
685.5
691.1
726.4
777.0
23
From banks in the U.S.
198.4
199.9
208.3
213.2
208.7
209.4
24
From others
470.4
485.1
477.2
477.9
517.8
567.7

28 Residual (assets less liabilities) (8)
343.8
352.0
350.9
346.1
362.1
367.4
358.8

363.0

244.5
265.3
261.9
274.1

309.0
329.2
367.9
357.8

------------------------------------------------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
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

2,440.6

2,451.8

2,263.1
2,382.4
2,469.7
2,465.4
2,482.5

A S S E T S

1
Bank credit
2,387.7
2,404.4
2,468.9
2,464.7
2
665.4
682.8
3
457.7
483.5
4
207.7
199.3

2,420.1

Securities in bank credit
667.3
677.0
688.5
687.9
684.1
Treasury and Agency securities (2)
460.7
470.7
483.4
482.7
481.2
Other securities
206.5
206.3
205.2
205.2
202.9

5
Loans and leases in bank credit
1,722.3
1,737.1
1,743.1
1,752.0
1,786.1
1,780.6
6
Commercial and industrial
295.6
297.4
298.1
298.1
297.4
297.6
7
Real estate
1,017.9
1,028.9
1,035.9
1,046.8
1,069.3
1,069.1
8
Revolving home equity
77.5
79.5
81.2
82.6
86.8
87.0
9
Other
940.5
949.4
954.7
964.2
982.5
982.1
10
Consumer
294.8
296.7
295.3
293.8
302.1
300.7
11
Security (4)
8.0
8.2
8.2
8.2
9.6
8.9
12
Other loans and leases
106.0
105.9
105.6
105.2
107.7
104.4
13

Interbank loans

685.6

636.7
666.9
686.8
686.7

483.8

429.5
459.9
483.5
486.1

201.8

207.2
207.0
203.3
200.6

(3)
1,763.9

1,626.4
1,715.5
1,784.1
1,778.6
1,795.8

298.3

298.9

285.5
296.1
299.0
300.9

1,054.4

1,068.6

952.0
1,016.1
1,067.2
1,072.9

83.9

86.7

970.5

981.9

883.9
939.3
981.0
985.4

297.6

301.4

284.1
291.2
298.4
306.2

8.7

9.1

104.9

106.0

68.1
86.3

6.6
8.9

76.8
87.4

7.5
9.2

98.2
104.7
105.2
106.6
86.9

107.6

114.8
138.0

117.6
122.3

116.6

113.9

125.0

128.5

123.0

129.1

14 Cash assets (5)
124.1
128.8
131.7
141.4
123.6

133.7

132.8

132.7

114.6
122.4
137.0
130.5

15 Other assets (6)
141.0
144.2
146.3
156.1
171.6

148.8

156.1

160.1

138.8
141.1
161.8
155.3

16 TOTAL ASSETS (7)
2,735.7
2,763.6
2,783.6
2,873.0
2,850.7

2,806.2

2,834.7

2,572.9
2,721.6
2,859.7
2,856.1
2,866.1

2,149.2

2,173.2

2,016.4
2,088.0
2,189.7
2,190.6
2,188.6

325.2

325.6

329.2

1,824.0

1,847.5

1,721.4
1,776.9
1,860.4
1,872.1
1,860.9

315.1

316.4

319.1

1,508.9

1,531.1

1,423.9
1,469.5
1,541.3
1,551.8
1,542.2

420.2

424.7

331.9
388.3
421.3
429.0

157.7

159.4

114.8
137.9
156.3
160.6

262.5

265.3

217.1
250.4
265.0
268.3

L I A B I L I T I E S
17 Deposits
2,096.6
2,108.1
2,133.9
2,197.7
2,179.9
18
Transaction
310.0
313.2
317.4
349.8
331.0
19
Nontransaction
1,786.6
1,794.8
1,816.5
1,847.8
1,848.9
20
Large time
306.7
310.0
314.7
318.8
319.0
21
Other
1,479.9
1,484.9
1,501.8
1,529.0
1,529.9

22 Borrowings
406.5
409.9
406.8
412.2
431.9
424.1
23
From banks in the U.S.
156.0
160.6
158.9
160.8
164.1
160.6
24
From others
250.4
249.3
247.9
251.4
267.9
263.5

295.0
311.1
318.5
327.7

297.5
307.4
320.3
318.7

25
15.1
12.6

Net due to related foreign offices
12.6
10.7
12.8
12.4
12.6

12.1

11.7
10.0

12.4
13.5

26
71.0
84.5

Other liabilities
76.1
80.0
88.1

63.1
84.6

64.0
83.9

27 TOTAL LIABILITIES
2,589.2
2,606.7
2,631.3
2,726.7
2,704.7

80.8

83.3

85.0

2,655.0

2,689.1

2,423.0
2,552.7
2,711.4
2,706.5
2,714.9

28 Residual (assets less liabilities) (8)
146.5
157.0
152.2
151.2
145.6
146.3
146.0

148.2

149.8
168.9
149.6
151.2

------------------------------------------------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
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

2,438.8

2,450.2

2,260.8
2,393.9
2,467.3
2,463.8
2,469.9

A S S E T S

1
Bank credit
2,389.6
2,401.3
2,469.9
2,472.8
2
667.1
684.0
3
459.5
484.8
4
207.7
199.3

2,416.8

Securities in bank credit
668.1
679.7
690.0
687.1
684.6
Treasury and Agency securities (2)
461.6
473.4
484.8
481.9
481.7
Other securities
206.5
206.3
205.2
205.2
202.9

5
Loans and leases in bank credit
1,722.5
1,733.2
1,737.1
1,748.7
1,785.8
1,788.2
6
Commercial and industrial
294.2
296.0
298.0
300.3
300.2
302.0
7
Real estate
1,019.4
1,028.9
1,033.8
1,045.0
1,069.6
1,071.3
8
Revolving home equity
77.7
79.5
80.8
82.3
86.9
87.3
9
Other

685.2

636.3
668.4
686.3
685.0

483.4

429.1
461.4
482.9
484.3

201.8

207.2
207.0
203.3
200.6

(3)
1,763.1

1,624.5
1,725.5
1,782.2
1,777.5
1,785.0

300.8

301.1

287.7
295.9
300.8
301.7

1,053.8

1,067.5

951.0
1,019.3
1,066.9
1,067.5

83.9

86.7

68.1
86.3
882.9

77.2
86.9
942.2

941.7
982.6
10
297.7
300.1
10a
118.7
119.5
10h
178.9
180.6
11
7.7
8.9
12
103.6
107.0

949.4
953.0
962.7
969.9
984.1
Consumer
296.7
292.5
290.4
295.5
299.3
Credit card and related plans
116.1
113.8
111.7
116.6
118.4
Other
180.6
178.7
178.7
178.9
180.9
Security (4)
8.1
8.4
8.4
8.5
9.0
Other loans and leases
103.5
104.4
104.7
104.4
106.7

980.8

980.5

980.6

297.9

280.3
297.5
294.4
300.2

117.4

108.2
121.2
114.4
119.2

180.5

172.1
176.3
180.0
181.0

9.0

6.5
9.1

7.7
9.0

106.6

99.0
105.0
106.3
106.6

13 Interbank loans
108.4
116.6
123.1
122.4
121.4

121.8

119.9

125.4

84.5
110.2
128.3
124.4

14 Cash assets (5)
128.2
128.3
127.0
131.3
132.4

131.5

131.7

130.5

112.7
129.8
129.5
128.5

15 Other assets (6)
141.0
144.2
146.3
156.1
171.6

148.8

156.1

160.1

138.8
141.1
161.8
155.3

16 TOTAL ASSETS (7)
2,735.5
2,759.1
2,782.1
2,848.3
2,866.8

2,809.9

2,826.9

2,566.4
2,743.0
2,852.1
2,852.3
2,846.9

2,160.9

2,165.1

2,007.5
2,111.5
2,180.2
2,186.3
2,172.7

325.6

320.1

327.0

1,835.4

1,845.0

1,714.6
1,788.7
1,853.2
1,871.5
1,848.0

315.1

316.4

319.1

1,520.3

1,528.6

1,417.1
1,481.3
1,534.0
1,551.2
1,529.3

420.2

424.7

331.9
388.3
421.3
429.0

157.7

159.4

114.8
137.9
156.3
160.6

L I A B I L I T I E S
17 Deposits
2,102.9
2,114.8
2,138.9
2,170.0
2,187.7
18
Transaction
315.0
309.9
313.8
337.7
340.7
19
Nontransaction
1,787.9
1,804.9
1,825.1
1,832.3
1,847.0
20
Large time
306.7
310.0
314.7
318.8
319.0
21
Other
1,481.2
1,494.9
1,510.5
1,513.5
1,528.0

22 Borrowings
406.5
409.9
406.8
412.2
431.9
424.1
23
From banks in the U.S.
156.0
160.6
158.9
160.8
164.1
160.6

293.0
322.7
314.8
324.7

297.5
307.4
320.3
318.7

24
250.4
267.9

From others
249.3
247.9
263.5

251.4

262.5

265.3

217.1
250.4
265.0
268.3

25
15.1
12.6

Net due to related foreign offices
12.6
10.7
12.8
12.4
12.6

12.1

11.7
10.0

12.4
13.5

26
71.0
84.5

Other liabilities
76.1
80.0
88.1

63.1
84.6

64.0
83.9

27 TOTAL LIABILITIES
2,595.4
2,613.4
2,636.3
2,699.1
2,712.5

80.8

83.3

85.0

2,666.8

2,681.0

2,414.2
2,576.1
2,702.0
2,702.2
2,699.0

28 Residual (assets less liabilities) (8)
140.0
145.7
145.8
143.2
145.9
149.2
154.2

150.1

152.1
166.9
150.1
147.9

------------------------------------------------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
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

648.3

661.6

662.4

603.5
635.9
674.5
658.9

281.5

236.0
261.6
294.0
281.3

A S S E T S

1
Bank credit
628.0
640.9
659.0
647.6
2
262.9
275.1
3

657.4

Securities in bank credit
273.3
277.8
271.1
282.2
266.8
Treasury and Agency securities (2)

76.0

101.9

103.8
121.0
4
159.1
154.1
5
365.1
383.9
6
177.2
160.1
7
19.7
19.5
11
103.4
124.1
12
64.8
80.2

110.6
116.4
114.0
Other securities
162.7
161.3
152.8

119.0

124.3

122.7

152.1

158.0

158.8

160.0
159.7
165.7
158.9

(3)
379.4

381.0

367.6
374.3
380.4
377.6

169.5

161.7

192.1
178.4
162.7
161.6

19.2

19.2

18.4
19.1

118.5

121.2

85.9
110.1
121.4
118.4

72.2

78.9

71.1
77.2

66.3
78.5

Loans and leases in bank credit
367.6
379.7
377.1
380.8
Commercial and industrial
174.1
171.7
171.9
161.4
Real estate
19.7
19.8
19.0
19.2
Security (4)
108.1
121.4
118.0
119.0
Other loans and leases
65.6
66.7
68.2
81.2

128.3

122.5

19.5
19.0

13
28.1
28.6

Interbank loans
27.0
27.2
30.9

22.5

24.7

30.8

20.2
32.8

30.0
32.7

14
40.1
54.7

Cash assets (5)
38.7
43.8
57.0

50.1

52.2

56.2

46.9
58.1

44.6
56.8

15
39.3
50.5

Other assets (6)
39.9
35.3
51.5

39.9

47.6

52.0

27.3
50.9

35.9
55.1

760.2

785.5

800.9

697.6
746.1
815.8
803.1

438.7

450.5

505.4
425.5
454.5
457.0

16 TOTAL ASSETS (7)
735.1
746.1
763.4
792.3
786.6

L I A B I L I T I E S
17 Deposits
426.6
442.9
448.4
440.2
450.5
18
Transaction
9.7
10.3
11.5
11.9
12.4
19
Nontransaction
416.8
432.6
436.9
428.2
438.1

436.4
11.3
425.1

22 Borrowings
269.1
270.0
288.2
293.3
312.6
305.3
23
From banks in the U.S.
31.0
31.1
33.7
27.5
35.7
40.1
24
From others
238.1
238.9
254.5
265.8

11.0

11.6

10.4
11.2

9.2
11.4

427.7

438.9

495.0
416.4
443.3
445.6

301.8

313.5

193.0
277.9
319.2
313.1

31.6

35.1

270.2

278.3

20.7
31.2

30.0
35.3

172.2
247.9
288.0
277.8

276.9

265.3

25 Net due to related foreign offices
-70.4
-78.4
-83.8
-72.8
-77.8
-77.4
-79.2

-81.2

-86.7
-60.1
-85.7
-79.6

26 Other liabilities
100.5
104.8
99.9
110.9
114.7

95.0

109.9

114.6

84.2
102.1
119.3
114.1

27 TOTAL LIABILITIES
725.7
739.2
752.7
786.4
791.4

751.9

772.6

797.4

695.8
745.6
807.3
804.6

28
9.4
6.0

Residual (assets less liabilities) (8)
6.9
10.7
8.4
12.9
-4.8

3.5

1.8
8.5

0.5
-1.5

------------------------------------------------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
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25

2003

2003

Apr

May

Jun

--------

--------

--------

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

648.1

656.9

659.0

600.8
646.0
669.2
659.2

281.5

236.0
261.6
294.0
281.3

122.7

76.0
101.9
128.3
122.5

A S S E T S

1
Bank credit
635.7
645.3
654.8
644.8
2
262.9
275.1
3
103.8
121.0
3a

655.6

Securities in bank credit (2)
273.3
277.8
271.1
282.2
266.8
Treasury and Agency securities
110.6
116.4
119.0
124.3
114.0
Trading account

10.4

30.6

32.6
42.8
3b
71.2
78.2
4
159.1
154.1
4a
101.9
102.7
4b
57.2
51.5
5
372.8
379.7
6
177.3
159.9
7
19.7
19.5
11
110.4
121.3
12
65.5
79.0

36.4
37.2
39.7
36.6
Investment account
74.2
79.3
79.3
77.4
Other securities
162.7
161.3
152.1
152.8
Trading account
102.0
101.7
97.9
100.4
Investment account
60.7
59.7
54.2
52.4
Loans and leases in bank credit
372.0
377.9
377.0
378.0
Commercial and industrial
175.6
173.2
171.0
161.9
Real estate
19.7
19.8
19.0
19.2
Security (4)
111.0
117.3
118.3
115.9
Other loans and leases
65.7
67.6
68.7
81.0

43.0

42.9

46.5

42.2

81.3

79.8

65.5
81.9

71.3
80.3

158.0

158.8

160.0
159.7
165.7
158.9

105.1

105.6

104.5
101.2
111.1
105.1

52.9

53.2

(3)
374.7

377.5

364.9
384.3
375.1
377.8

167.7

161.2

191.5
179.8
161.6
160.8

19.2

19.2

18.4
19.1

116.2

118.7

84.2
116.7
117.3
119.9

71.7

78.4

70.7
77.1

68.3
78.1

55.5
54.6

58.4
53.8

19.5
19.0

13
28.1
28.6

Interbank loans
27.0
27.2
30.9

22.5

24.7

30.8

20.2
32.8

30.0
32.7

14
43.1
51.7

Cash assets (5)
39.7
42.6
54.4

47.9

50.5

53.5

44.7
55.1

47.8
54.1

15
40.7
47.9

Other assets (6)
40.5
36.2
48.8

39.7

47.7

49.9

26.2
49.7

37.0
52.6

757.7

779.2

792.7

691.6
760.4
806.2
798.1

442.4

444.1

448.6

503.3
436.4
455.9
454.6

10.7

10.6

11.3

431.7

433.6

437.4

16 TOTAL ASSETS (7)
747.2
752.1
761.2
782.5
778.4

L I A B I L I T I E S
17 Deposits
442.7
453.0
452.5
437.6
442.2
18
Transaction
10.0
10.3
11.1
11.5
12.9
19
Nontransaction
432.7
442.8
441.3
426.1
429.4

10.1
10.4

10.0
11.0

493.2
426.4
445.5
443.6

22 Borrowings
269.1
270.0
288.2
293.3
312.6
305.3
23
From banks in the U.S.
31.0
31.1
33.7
27.5
35.7
40.1
24
From others
238.1
238.9
254.5
265.8
276.9
265.3

193.0
277.9
319.2
313.1

301.8

313.5

31.6

35.1

270.2

278.3

172.2
247.9
288.0
277.8

25 Net due to related foreign offices
-67.8
-77.3
-81.5
-73.3
-77.5
-78.4
-82.0

-83.0

-89.0
-58.4
-87.2
-82.1

26 Other liabilities
102.2
105.7
101.5
110.1
112.2

94.7

110.2

113.0

83.0
103.3
117.8
112.0

27 TOTAL LIABILITIES
746.2
751.4
760.6
781.9
777.8

757.1

778.7

792.1

690.3
759.3
805.7
797.6

28
1.0
0.6

Residual (assets less liabilities) (8)
0.8
0.6
0.6
0.6
0.6

0.6

20.7
31.2

1.3
0.6

30.0
35.3

1.1
0.6

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

H.8 (510)
Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars
July 11, 2003
Account
2003

2003

2003

Feb
Jul 2

Mar

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

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

2002

2003

2003

Apr

May

Jun

--------

--------

--------

2002
2003
Week ending
Jun
Dec
Jan
Jun 11
Jun 18
Jun 25
-------- ---------------------------

LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers
29

Reval. gains on off-bal. sheet items (9)

92.9

112.5

107.6
133.5

116.8
125.9

115.1

105.7

128.1

30 Reval. losses on off-bal. sheet items (9)
86.2
94.9
91.3
81.4
105.1
108.4
98.3
31 Mortgage-backed securities (10)
370.9
376.9
381.4
400.8
436.1
437.4
31a
Pass-through
271.6
276.9
276.2
288.5
325.7
325.2
31b
CMO, REMIC, and other
99.3
100.0
105.1
112.2
110.4
112.3
32

93.8
108.3

314.8
365.2
434.2
435.8

314.2

324.8

225.3
266.0
320.9
325.4

112.9

33
18.3
17.3

Offshore credit to U.S. residents (12)
18.2
18.2
17.5
17.3
17.3

Securitized business loans (13)
17.2
16.8
16.5
16.4

75.7
117.4

131.8

436.8

11.8
14.2

35
16.9
16.7

109.8

142.4

427.1

Net unrealized gains (losses) on
available-for-sale securities (11)
11.7
11.7
10.6
12.1
11.9

34 Securitized consumer loans (13)
149.7
150.6
152.5
154.2
157.1
159.9
34a
Credit card and related plans
132.2
134.8
136.7
138.7
141.0
144.0
34b
Other
17.5
15.8
15.8
15.5
16.0
15.9

135.0

112.0

89.6
113.4

99.2
110.5

14.1

6.7
15.0

10.7
14.0

16.9

19.6
16.6

18.7
16.7

155.0

156.7

141.1
150.1
155.5
155.7

139.4

140.6

126.9
133.2
139.4
139.6

15.5

16.1

14.2
16.1

16.9
16.1

17.0

16.7

16.9
16.8

17.2
16.7

SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers
31 Mortgage-backed securities (10)
308.7
314.5
325.7
335.2
332.4
327.6
34 Securitized consumer loans (13)
205.4
204.2
202.8
205.2
204.6
202.0
34a
Credit card and related plans
197.0
195.8
194.3
196.9
196.4
193.9
34b
Other
8.5
8.4
8.5
8.3
8.1
8.1

333.8

331.4

295.7
309.2
332.6
331.3

205.0

205.0

207.3
201.3
206.7
205.1

196.8

196.9

200.3
192.5
198.6
197.0

8.2

8.1

7.0
8.2

8.7
8.1

FOREIGN-RELATED INSTITUTIONS
29
67.0
70.1

Reval. gains on off-bal. sheet items (9)
67.1
65.4
64.9
73.5
68.3

72.6

55.3
77.3

64.1
71.6

30
63.0
69.9

Reval. losses on off-bal. sheet items (9)
64.9
63.6
62.4
72.6
68.6

72.6

49.3
77.1

60.1
71.7

35
5.6
1.7

Securitized business loans (13)
4.6
4.1
3.3
1.6

2.5

9.9
3.1

6.8
3.1

3.0

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

H.8 (510)
Page 14

Footnotes

July 11, 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. The fair value of derivative contracts in a gain
position is included in "Other securities, trading account," balance sheet item
4a. The fair value
of derivative contracts in a loss position is included in "Other
liabilities," balance sheet item 26.
10. Includes mortgage-backed securities issued by U.S. government agencies, U.S.
government-sponsored enterprises, and private entities.
11. Difference between fair value and historical cost for securities classified
as available-for-sale under FASB Statement No. 115. Data are reported net of tax
effects. Data
shown are restated to include an estimate of these tax effects.
12. Mainly commercial and industrial loans, but also includes an unknown amount
of credit extended to entities other than nonfinancial businesses.
13. Total amount outstanding.
NOTE: Large domestically chartered commercial banks acquired $0.6 billion in
assets and liabilities of nonbank institutions in the week ending July 2, 2003.
The major items
affected were (in billions): real estate loans, commercial, $0.4; and real estate
loans, other, $0.2. The major liability items affected were: transaction
deposits,$0.1;
nontransaction deposits, large time, $0.1; nontransaction deposits, other, $0.4;
and other liabilities, $0.1.