NOTICE TO USERS OF THE H.8 RELEASE: Data on the attached H.

8 have been benchmarked
through the March 2004 Call Report. Data on the previous release were benchmarked
through the December 2003 Call Report.
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 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

6,530.5

6,525.4

6,209.5
6,252.6
6,558.6
6,551.4
6,577.2

A S S E T S

1
Bank credit
6,320.5
6,442.1
6,561.9
6,553.2

6,520.1

2
Securities in bank credit
1,858.1
1,933.1
1,982.8
1,953.0
1,925.1
1,923.7
1,935.2
3
Treasury and Agency securities (2)
1,105.8
1,170.2
1,204.3
1,197.7
1,185.5
1,191.5
1,192.3
4
Other securities
752.3
762.9
778.5
755.3
739.7
732.2
742.9

1,858.7
1,853.2
1,923.8
1,918.0
1,921.7

5
Loans and leases in bank credit
4,462.4
4,508.9
4,537.3
4,577.5
4,638.2
4,618.0
6
Commercial and industrial
888.7
889.6
881.3
878.3
883.2
876.1
7
Real estate
2,241.1
2,263.0
2,304.0
2,355.8
2,400.4
2,391.9
8
Revolving home equity
291.2
297.7
308.2
317.3
337.5
338.6
9
Other
1,949.8
1,965.4
1,995.8
2,038.5
2,062.9
2,053.2
10
Consumer

(3)
4,600.3

4,350.8
4,399.4
4,634.8
4,633.4
4,655.5

876.4

879.5

2,385.2

2,171.8
2,215.7
2,397.7
2,398.2
2,404.1

326.2

335.8

2,059.0

1,927.0
1,935.0
2,061.9
2,065.1
2,068.9

1,143.4
1,104.3
1,185.0
1,177.7
1,181.9
738.8

715.3
748.9
740.3
739.8

925.7
890.9
876.4
882.6

244.7
280.8
333.1
335.2

599.0

628.6

631.2
646.5
11
233.5
242.0
12
468.1
466.2

633.6
639.1
640.0
637.7
Security (4)
242.7
242.1
236.4
243.8
Other loans and leases
480.0
470.9
467.1
468.5

642.2

644.6

646.1

647.9

230.6

245.7

218.1
215.1
244.6
252.8

465.9

467.3

436.2
449.0
468.1
468.0

13 Interbank loans
317.7
342.8
296.0
342.6
322.3

319.3

311.3

319.5

327.3
297.5
305.9
312.5

14 Cash assets (5)
319.2
320.5
324.3
338.7
324.1

331.5

332.6

331.3

322.1
304.1
343.4
318.3

15 Other assets (6)
543.4
542.8
550.6
621.6
646.0

580.2

595.9

625.2

536.2
541.2
620.9
613.4

16 TOTAL ASSETS (7)
7,427.0
7,575.1
7,617.7
7,791.6
7,772.6

7,688.8

7,692.9

7,319.5
7,319.3
7,761.7
7,749.0
7,748.6

4,969.4

5,038.4

4,681.0
4,758.6
5,094.0
5,089.5
5,105.0

661.9

651.1

664.4

4,307.4

4,387.3

4,040.3
4,116.8
4,429.6
4,458.0
4,443.8

1,071.9

1,098.4

1,118.0

3,235.6

3,288.9

3,045.4
3,117.0
3,311.6
3,337.2
3,327.2

1,547.4

1,484.5
1,476.4
1,584.1
1,552.6
1,578.1

424.2

434.9

1,123.1

1,073.6
1,090.1
1,149.2
1,136.4
1,147.2

L I A B I L I T I E S
17 Deposits
4,798.1
4,834.1
4,923.7
5,104.4
5,078.6
18
Transaction
630.8
645.0
672.9
710.3
666.6
19
Nontransaction
4,167.3
4,189.1
4,250.8
4,394.1
4,412.1
20
Large time
1,020.3
1,028.0
1,055.0
1,123.6
1,115.1
21
Other
3,147.0
3,161.1
3,195.8
3,270.5
3,297.0

22 Borrowings
1,522.0
1,580.1
1,554.3
1,574.1
1,613.2
1,608.4
23
From banks in the U.S.
390.7
419.1
395.0
430.1
450.3
447.4
24
From others
1,131.2
1,161.0
1,159.3
1,144.0
1,162.9
1,161.1

25 Net due to related foreign offices
130.5
103.6
90.2
93.6
68.1
-16.1
-21.5
26

Other liabilities

-24.9

640.7
641.8
631.5
661.2

994.8
999.8
1,120.8
1,116.6

410.9
386.4
416.3
430.9

127.4
143.3
-23.6
-37.3
442.5

409.2

421.9
493.6

448.6
534.7

457.2

27 TOTAL LIABILITIES
6,872.5
6,966.4
7,025.3
7,195.1
7,200.3

441.2

424.9

514.9

7,078.3

7,078.8

6,735.3
6,787.6
7,168.1
7,132.4
7,159.6

28 Residual (assets less liabilities) (8)
554.5
608.7
592.4
610.5
614.0
596.5
572.4

593.5

513.9

513.8

584.2
531.8
616.5
588.9

------------------------------------------------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 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

6,512.5

6,517.1

6,195.2
6,295.2
6,553.3
6,540.7
6,571.9

A S S E T S

1
Bank credit
6,333.9
6,432.6
6,546.0
6,562.7

6,490.1

2
Securities in bank credit
1,861.4
1,930.3
1,974.1
1,949.7
1,928.5
1,923.4
1,936.2
3
Treasury and Agency securities (2)
1,101.8
1,165.9
1,200.3
1,201.2
1,193.0
1,193.6
1,195.0
4
Other securities
759.7
764.4
773.9
748.6
735.5
729.9
741.3

1,860.6
1,857.3
1,925.8
1,924.0
1,921.6

5
Loans and leases in bank credit (3)
4,472.5
4,502.3
4,516.0
4,562.8
4,588.6
4,622.6
4,626.5
6
Commercial and industrial

4,334.7
4,437.9
4,627.4
4,616.7
4,650.3

1,146.9
1,105.2
1,188.8
1,184.6
1,183.8
737.0

713.6
752.0
739.4
737.8

928.2

891.6

884.8
885.0
7
2,242.4
2,390.9
8
289.9
339.1
9
1,952.5
2,051.8
10
643.3
640.8
10a
260.1
257.9
10b
383.2
382.9
11
236.5
241.4
12
465.6
464.5

889.4
884.1
882.6
880.3
882.0
Real estate
2,261.8
2,290.8
2,344.5
2,384.9
2,389.1
Revolving home equity
297.8
305.9
316.2
326.9
340.1
Other
1,964.1
1,984.8
2,028.3
2,058.0
2,049.0
Consumer
638.2
633.2
632.3
636.8
633.7
Credit card and related plans
253.7
249.6
248.2
252.8
253.0
Other
384.5
383.6
384.1
384.0
380.6
Security (4)
241.3
241.8
238.7
223.0
243.2
Other loans and leases
471.6
466.2
464.7
463.7
478.5

882.0

877.1

884.0

2,157.7
2,228.6
2,392.2
2,396.6
2,395.3
336.9

245.6
280.3
333.7
336.3

1,912.1
1,948.3
2,055.2
2,062.8
2,059.0
637.9

592.7
639.5
637.9
638.9

255.3

224.8
262.7
254.5
256.0

382.6

367.9
376.8
383.5
382.9

245.5

217.9
223.9
238.0
261.7

469.9

438.2
454.3
467.1
470.4

13 Interbank loans
312.6
336.9
300.0
330.5
331.8

329.0

312.4

320.9

327.0
302.3
306.1
318.3

14 Cash assets (5)
328.2
318.0
312.1
315.0
334.4

326.8

327.1

323.2

314.6
322.2
318.1
316.9

15 Other assets (6)
544.1
539.0
547.0
612.0
648.1

578.5

595.6

621.6

533.1
543.9
617.2
609.2

16 TOTAL ASSETS (7)
7,445.0
7,553.0
7,575.4
7,730.3
7,804.1

7,674.4

7,679.7

7,294.3
7,387.6
7,746.0
7,709.2
7,743.4

4,986.5

5,028.9

4,679.6
4,788.2
5,093.9
5,102.6
5,115.0

668.8

641.9

656.9

4,317.7

4,387.0

4,046.6
4,112.5
4,437.0
4,492.8
4,455.7

1,077.7

1,107.0

1,000.2
999.3
1,124.8
1,132.4
1,125.6

L I A B I L I T I E S
17 Deposits
4,799.5
4,835.3
4,916.6
5,051.0
5,098.7
18
Transaction
642.9
637.1
663.9
678.3
686.3
19
Nontransaction
4,156.6
4,198.2
4,252.7
4,372.7
4,412.4
20
Large time
1,029.0
1,036.8
1,058.0
1,129.1
1,114.6
21
Other

633.0
675.7
609.7
659.3

3,046.4

3,113.1

3,127.5
3,243.5

3,161.4
3,297.7

3,194.7

3,240.0

22 Borrowings
1,518.2
1,577.7
1,543.3
1,581.1
1,633.1
1,615.9
23
From banks in the U.S.
387.2
416.0
396.4
435.1
451.4
446.8
24
From others
1,131.0
1,161.6
1,146.8
1,146.0
1,181.8
1,169.1

3,280.0

3,312.2

3,360.5

3,330.1

1,563.7

1,494.1
1,466.0
1,594.5
1,549.7
1,592.8

424.7

434.3

1,138.9

1,084.0
1,080.9
1,160.2
1,136.8
1,162.2

410.1
385.1
412.8
430.6

25 Net due to related foreign offices
135.3
108.9
83.8
76.4
64.0
-18.0
-24.1

-28.0

123.2
151.2
-27.0
-42.3

26 Other liabilities
426.6
454.1
449.9
490.9
531.5

424.1

421.1

510.3

438.4
416.8
509.2
505.9

27 TOTAL LIABILITIES
6,879.6
6,975.9
6,993.6
7,157.0
7,222.0

7,068.1

7,077.7

6,735.2
6,822.2
7,170.6
7,134.5
7,171.3

28 Residual (assets less liabilities) (8)
565.3
577.0
581.8
606.3
602.0
573.3
582.1

575.4

559.1
565.4
574.7
572.1

------------------------------------------------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
July 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2004

2004

Apr

May

Jun

--------

--------

--------

A S S E T S

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23
-------- --------------------- -------

1
Bank credit
5,680.7
5,788.0
5,918.0
5,925.1

5,860.9

5,888.5

5,897.1

5,543.0
5,624.7
5,914.8
5,895.8
5,929.1

2
Securities in bank credit
1,596.5
1,666.8
1,716.7
1,689.3
1,669.3
1,666.1
1,680.2
3
Treasury and Agency securities (2)
1,007.5
1,070.5
1,107.8
1,102.2
1,093.1
1,096.4
1,099.5
4
Other securities
589.1
596.3
608.9
587.1
576.3
569.7
580.7

1,576.9
1,587.3
1,665.6
1,655.9
1,663.4

5
Loans and leases in bank credit
4,084.2
4,121.1
4,144.3
4,199.2
4,251.9
4,244.9
6
Commercial and industrial
751.4
752.8
747.6
747.5
750.4
745.3
7
Real estate
2,223.9
2,245.8
2,286.6
2,338.2
2,385.8
2,377.6
8
Revolving home equity
291.2
297.7
308.2
317.3
337.5
338.6
9
Other
1,932.7
1,948.2
1,978.4
2,021.0
2,048.3
2,039.0
10
Consumer
631.2
633.6
639.1
640.0
646.5
637.7
11
Security (4)
102.0
102.6
92.4
95.6
93.1
105.4
12
Other loans and leases
375.7
386.2
378.6
377.9
376.1
378.9

(3)
4,227.7

3,966.1
4,037.3
4,249.2
4,239.9
4,265.6

746.0

747.8

2,369.3

2,152.6
2,197.9
2,383.0
2,383.4
2,389.3

326.2

335.8

2,043.1

1,907.9
1,917.1
2,047.2
2,050.3
2,054.1

642.2

644.6

93.7

96.8

376.5

377.0

355.2
366.0
378.1
376.1

1,021.9
1,005.2
1,091.2
1,083.6
1,087.6
574.4

555.0
582.2
572.3
575.8

767.6
754.8
745.2
750.0

244.7
280.8
333.1
335.2

599.0
628.6
646.1
647.9
91.5

86.9

90.0
102.3

13 Interbank loans
282.3
311.0
266.6
311.5
293.5

287.3

277.0

290.6

290.9
266.0
276.1
288.0

14 Cash assets (5)
264.7
266.4
269.5
281.6
266.6

274.5

272.4

274.5

270.7
254.3
286.4
262.7

15 Other assets (6)
516.4
517.0
521.8
581.8
600.7

546.6

561.9

585.9

505.0
514.4
583.4
578.1

16 TOTAL ASSETS (7)
6,670.7
6,809.6
6,846.0
7,020.1
7,013.5

6,924.7

6,936.4

6,534.5
6,583.7
6,993.3
6,969.5
6,985.5

L I A B I L I T I E S
17 Deposits
4,343.3
4,365.9
4,450.8
4,582.7
4,559.2
18
Transaction
618.9
633.0
660.9
698.5
654.9
19
Nontransaction
3,724.5
3,732.9
3,789.9
3,884.2
3,904.4
20
Large time
585.5
576.9
596.6
625.0
611.4
21
Other
3,139.0
3,156.0
3,193.2
3,259.2
3,293.0

4,487.6

4,543.8

4,256.6
4,322.9
4,573.1
4,567.8
4,582.1

650.4

639.5

652.5

3,837.3

3,904.3

3,626.1
3,692.1
3,920.6
3,948.6
3,933.1

603.6

619.9

622.0

3,233.6

3,284.4

3,037.0
3,114.6
3,298.6
3,319.6
3,309.9

1,215.6

1,153.9
1,159.2
1,248.1
1,223.8
1,246.4

380.8

385.7

372.2
343.4
374.9
383.1

834.8

862.3

781.7
815.7
848.9
863.3

25 Net due to related foreign offices
262.2
256.3
245.6
264.8
248.2
169.3
175.5

160.1

208.9
253.7
153.2
143.5

26 Other liabilities
320.9
345.9
358.9
406.1
442.7

339.7

326.3

423.5

334.2
310.0
420.5
423.7

27 TOTAL LIABILITIES
6,119.9
6,204.6
6,256.5
6,430.1
6,441.4

6,316.6

6,333.8

5,953.5
6,045.7
6,404.7
6,365.3
6,395.8

22 Borrowings
1,193.5
1,236.5
1,201.2
1,224.4
1,272.1
1,264.0
23
From banks in the U.S.
350.8
375.3
345.8
384.8
398.8
389.5
24
From others
842.6
861.2
855.4
839.6
873.3
874.5

28 Residual (assets less liabilities) (8)
550.9
605.0
589.5
608.2
602.5
590.0
572.0

588.6

630.5
630.8
619.2
649.1

589.1
577.5
629.0
623.2

581.0
538.0
604.2
589.7

------------------------------------------------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 9, 2004

Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

5,864.9

5,891.4

5,528.9
5,660.3
5,909.6
5,890.5
5,918.8

A S S E T S

1
Bank credit
5,690.7
5,776.2
5,902.6
5,933.2

5,827.5

2
Securities in bank credit
1,599.9
1,664.0
1,708.0
1,686.1
1,672.7
1,665.8
1,681.2
3
Treasury and Agency securities (2)
1,003.4
1,066.2
1,103.8
1,105.7
1,100.6
1,098.5
1,102.2
4
Other securities
596.4
597.7
604.2
580.4
572.1
567.3
579.0

1,578.8
1,591.4
1,667.6
1,661.9
1,663.3
1,025.5
1,006.1
1,095.0
1,090.5
1,089.5
572.6

553.3
585.4
571.4
573.8

5
Loans and leases in bank credit (3)
3,950.1
4,068.9
4,090.8
4,112.2
4,119.5
4,178.8
4,218.8
4,242.0
4,228.6
4,255.5
4,236.8
4,252.0
6
Commercial and industrial
770.6
754.4
746.8
750.9
748.5
750.8
749.9
750.7
746.4
752.0
752.7
751.5
7
Real estate
2,138.5
2,210.8
2,225.3
2,244.7
2,273.4
2,327.0
2,368.9
2,377.5
2,381.8
2,380.5
2,376.3
2,374.9
8
Revolving home equity
245.6
280.3
289.9
297.8
305.9
316.2
326.9
336.9
333.7
336.3
339.1
340.1
9
Other
1,893.0
1,930.5
1,935.4
1,946.9
1,967.5
2,010.7
2,042.0
2,040.6
2,048.1
2,044.2
2,037.2
2,034.7
9a
Other residential
-------1,098.4
1,107.6
1,100.8
1,095.5
1,090.9
9b
Commercial
-------942.2
940.5
943.4
941.7
943.8
10
Consumer
592.7
639.5
643.3
638.2
633.2
632.3
636.8
637.9
637.9
638.9
640.8
633.7
10a
Credit card and related plans
224.8
262.7
260.1
253.7
249.6
248.2
252.8
255.3
254.5
256.0
257.9
253.0
10d
Other
367.9
376.8

383.2
382.9
11
101.2
93.2
12
374.3
373.8

384.5
383.6
384.1
380.6
Security (4)
98.7
90.3
94.2
105.1
Other loans and leases
379.7
374.1
374.5
386.9

384.0

382.6

383.5

89.4

97.7

373.9

378.2

356.0
371.2
375.8
377.0

92.2
86.6

382.9
93.0
107.1

13 Interbank loans
277.2
305.1
270.5
299.4
303.0

297.0

278.0

292.0

290.6
270.8
276.3
293.8

14 Cash assets (5)
274.0
264.6
259.1
258.5
277.1

270.4

267.5

266.8

263.6
270.9
261.9
261.7

15 Other assets (6)
515.3
511.8
518.2
572.6
603.9

546.3

561.0

582.3

502.0
516.6
578.9
573.7

16 TOTAL ASSETS (7)
6,683.8
6,784.5
6,802.0
6,960.5
7,044.7

6,906.5

6,926.0

6,509.9
6,643.0
6,978.2
6,935.2
6,975.4

4,495.2

4,523.1

4,249.1
4,353.3
4,565.5
4,570.0
4,584.0

657.5

630.6

645.0

3,837.7

3,892.5

3,626.3
3,688.9
3,920.5
3,972.0
3,936.6

599.6

617.2

621.4

3,238.0

3,275.4

3,037.8
3,110.7
3,299.1
3,342.5
3,312.5

1,231.8

1,163.4
1,148.7
1,258.4
1,220.8
1,261.0

381.3

385.0

371.4
342.2
371.5
382.8

850.6

873.4

792.0
806.6
849.4
878.2

25 Net due to related foreign offices
266.2
261.8
239.8
249.8
245.8
169.0
174.4

159.0

207.3
260.1
152.4
141.2

L I A B I L I T I E S
17 Deposits
4,338.8
4,361.0
4,439.1
4,522.3
4,576.8
18
Transaction
630.6
625.1
652.3
666.7
674.1
19
Nontransaction
3,708.1
3,735.9
3,786.8
3,855.6
3,902.8
20
Large time
588.7
579.7
594.7
623.5
609.0
21
Other
3,119.5
3,156.2
3,192.1
3,232.1
3,293.7

22 Borrowings
1,189.7
1,234.1
1,190.2
1,231.4
1,292.0
1,271.5
23
From banks in the U.S.
347.3
372.3
347.2
389.8
399.8
389.0
24
From others
842.4
861.8
843.0
841.6
892.2
882.5

26

Other liabilities

622.8
664.4
598.0
647.3

588.6
578.2
629.5
624.2

332.2

316.2

325.0
404.6

351.7
440.8

352.1

27 TOTAL LIABILITIES
6,119.7
6,208.6
6,221.2
6,388.0
6,463.5

324.6

324.0

420.7

6,301.0

6,324.7

5,952.1
6,078.3
6,403.6
6,361.3
6,404.1

28 Residual (assets less liabilities) (8)
564.1
575.9
580.8
605.5
601.3
572.5
581.3

574.6

418.0

417.9

557.8
564.7
573.9
571.3

------------------------------------------------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 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

3,230.9

3,226.9

3,120.5
3,101.8
3,234.5
3,222.5
3,239.0

A S S E T S

1
Bank credit
3,129.7
3,219.2
3,230.7
3,251.8
2
880.1
938.4
3
503.5
582.9
3a
39.2
39.3
3b

3,271.5

Securities in bank credit
950.6
1,004.3
965.1
939.7
951.3
Treasury and Agency securities (2)
568.5
611.4
594.7
575.4
584.7
Trading account
42.9
45.1
45.0
45.4
38.8
Investment account

936.6

895.1
875.2
926.7
933.7

575.6

542.7
503.7
566.8
571.5

40.4

39.3
41.1
503.4

38.9
43.6
464.8

464.3
543.6
3c
357.1
430.9
3b
107.2
112.8
4
376.6
355.5
4a
196.8
173.9
4b
179.8
181.6
4c
31.6
33.2
4d
148.1
148.5

525.6
566.3
549.7
530.0
545.9
Mortgage-backed
415.4
452.3
442.2
424.3
431.8
Other
110.2
114.0
107.5
105.7
114.1
Other securities
382.1
392.9
370.3
364.4
366.6
Trading account
200.4
208.1
185.3
182.8
184.6
Investment account
181.7
184.8
185.1
181.6
182.0
State and local government
32.4
33.6
33.8
33.3
33.0
Other
149.2
151.1
151.3
148.3
149.0

5
Loans and leases in bank credit (3)
2,249.6
2,268.6
2,267.2
2,265.8
2,287.2
2,292.3
2,300.5
6
Commercial and industrial
440.1
440.3
433.0
433.5
433.4
435.8
430.9
7
Real estate
1,119.8
1,127.7
1,148.6
1,142.9
1,166.4
1,171.0
1,172.2
8
Revolving home equity
197.0
201.7
210.0
216.2
222.8
230.2
232.0
9
Other
922.8
926.0
938.6
926.7
943.7
940.7
940.2
9a
Other residential
587.5
591.2
599.3
586.3
602.2
596.1
596.4
9b
Commercial
335.3
334.7
339.2
340.4
341.5
344.6
343.8
10
Consumer
321.4
321.6
323.9
325.6
327.2
325.7
321.1
11
Security (4)
93.8
94.4
84.7
88.2
86.4
85.9
98.3
11a
Fed funds and RPs with broker/dealer
74.7
73.8
64.7
67.0
64.1
66.4
77.8
11b
Other
19.1
20.6
20.0
21.2
22.3
19.5
20.5
12a
State and local government

535.2

525.6

527.9

423.2

399.6
358.7
415.2
416.4

112.0

103.8
106.2
110.4
111.5

360.9

352.4
371.5
359.9
362.2

180.5

193.9
192.9
181.1
182.5

180.4

158.5
178.6
178.7
179.7

33.1
147.3

32.2
33.0

31.6
33.2

126.3
147.0
145.8
146.5

2,225.4
2,226.6
2,298.0
2,295.8
2,305.4
433.4

473.4
448.2
432.0
434.3

1,101.6
1,108.7
1,174.4
1,180.5
1,174.8
229.3

161.6
188.8
227.5
228.3

945.1

940.0
919.9
953.1
946.4

601.5

607.1
584.7
610.9
602.3

343.6

332.9
335.2
342.2
344.1

325.3

315.0
321.5
327.2
327.0

89.7

83.5
80.0

82.2
95.3

69.8

65.2
59.0

63.6
76.7

19.9

18.2
20.9

18.6
18.6

12.9

14.1

14.2
14.3
12b
8.2
8.5
12c
27.1
20.3
12d
124.7
137.5
12e
100.4
93.4

14.2
14.4
14.2
14.0
14.4
Agricultural
8.3
8.3
8.4
8.4
8.4
Fed funds and RPs with others
32.5
26.9
23.7
18.2
22.1
All other loans
127.4
125.9
129.8
137.2
140.0
Lease financing receivables
102.2
101.6
99.5
95.9
93.1

13 Interbank loans
190.0
217.3
179.4
209.8
233.9
215.7
13a
Fed funds and RPs with banks
97.9
108.8
94.4
98.3
119.7
111.3
13b
Other
92.0
108.5
85.0
111.6
114.2
104.5

198.4

14.3

14.2

14.2

8.6
8.5

8.4
8.5

19.7

28.9
19.7

29.5
17.5

138.8

91.1
111.0
139.2
139.3

8.4

94.0

214.8

110.4

103.0
94.7
94.6

185.4
179.4
203.2
213.0

89.8

105.6

115.3
92.2

99.4
104.1

108.6

109.2

70.1
111.0

79.9
108.9

14 Cash assets (5)
148.4
148.0
149.4
159.5
156.8

154.6

152.0

155.5

148.5
140.6
164.2
141.4

15 Other assets (6)
357.1
353.5
355.1
418.3
413.3

375.6

386.9

412.1

358.8
352.3
407.4
410.2

16 TOTAL ASSETS (7)
3,783.9
3,897.5
3,915.0
4,003.7
3,999.0

3,931.9

3,925.6

3,768.8
3,730.4
3,978.3
3,958.7
3,965.0

------------------------------------------------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 9, 2004

2004

2004

Feb
Jun 30

Mar

Account
2004
Apr

2004

2004

May

Jun

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

--------

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

2,270.5

2,307.7

2,144.2
2,159.3
2,319.7
2,315.4
2,324.4

308.2

296.7

305.2

1,962.3

2,011.1

1,836.9
1,862.4
2,014.5
2,033.3
2,020.9

260.9

276.1

284.5

1,701.3

1,735.0

1,571.1
1,613.9
1,730.0
1,744.9
1,733.1

710.8

733.0

751.3
717.6
722.2
730.5

186.7

192.0

219.8
176.8
188.2
188.3

524.1

541.0

531.4
540.8
534.0
542.2

25 Net due to related foreign offices
238.8
231.9
225.5
241.3
225.4
156.0
161.2

145.1

197.0
233.2
134.9
130.0

26 Other liabilities
252.6
275.1
286.7
332.1
366.8

265.7

252.6

348.7

257.8
240.3
345.6
349.5

27 TOTAL LIABILITIES
3,392.3
3,457.0
3,500.1
3,558.1
3,586.1

3,504.9

3,496.6

3,350.2
3,350.3
3,546.5
3,518.1
3,534.4

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

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

--------

--------

L I A B I L I T I E S
17 Deposits
2,162.5
2,174.3
2,248.0
2,324.7
2,314.4
18
Transaction
289.7
296.6
313.1
335.0
307.6
19
Nontransaction
1,872.8
1,877.7
1,934.9
1,989.7
2,006.8
20
Large time
250.0
242.2
256.2
288.4
274.6
21
Other
1,622.7
1,635.4
1,678.7
1,701.3
1,732.2

22 Borrowings
738.3
775.7
739.9
727.3
745.3
743.7
23
From banks in the U.S.
186.2
204.7
179.1
185.4
197.8
194.5
24
From others
552.1
571.0
560.7
542.0
547.5
549.2

28 Residual (assets less liabilities) (8)
391.6
440.5
414.9
427.0
429.0
445.6
412.9

431.8

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

H.8 (510)
Page 7

307.3
296.8
282.1
303.5

265.8
248.5
288.4
287.7

418.6
380.2
440.6
430.6

ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
July 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

3,216.6

3,229.5

3,114.4
3,121.7
3,238.1
3,227.2
3,246.3

A S S E T S

1
Bank credit
3,136.4
3,208.6
3,224.1
3,257.4
2
884.3
934.6
3
500.3
581.4
3a
39.0
39.2
3b
461.4
542.3
3c
354.8
429.8
3d
106.6
112.5
4
383.9
353.1
4a
200.6
172.7
4b
183.3
180.4
4c
32.3
32.9
4d
151.0
147.5

3,241.6

Securities in bank credit
947.9
988.1
958.1
945.3
949.6
Treasury and Agency securities (2)
564.4
599.8
594.5
585.1
584.7
Trading account
43.2
44.7
45.3
46.1
38.7
Investment account
521.2
555.1
549.1
539.1
545.9
Mortgage-backed
410.2
442.2
440.9
431.7
432.1
Other
111.0
112.9
108.2
107.4
113.8
Other securities
383.5
388.2
363.7
360.2
364.9
Trading account
201.2
205.7
181.9
180.7
183.7
Investment account
182.4
182.6
181.7
179.5
181.2
State and local government
32.6
33.2
33.1
32.9
32.8
Other
149.8
149.4
148.6
146.6
148.4

937.2

895.6
877.2
932.8
933.0

578.0

544.9
502.6
573.8
572.8

40.7

39.6
41.9

39.0
43.9

537.3

505.3
463.6
531.9
528.8

424.5

400.9
357.3
419.3
416.4

112.8

104.4
106.2
112.6
112.4

359.2

350.7
374.7
359.0
360.2

179.7

193.0
194.5
180.7
181.5

179.5

157.7
180.2
178.3
178.7

32.9
146.6

32.1
32.9

31.9
33.0

125.7
148.3
145.4
145.7

5
Loans and leases in bank credit (3)
2,252.1
2,260.7
2,253.6
2,258.4
2,284.2
2,289.5
2,307.8
6
Commercial and industrial
436.2
438.5
433.3
435.4
435.1
436.6
433.4
7
Real estate
1,120.3
1,127.1
1,141.9
1,140.2
1,170.4
1,170.8
1,173.2
8
Revolving home equity
196.0
202.1
208.3
215.4
223.4
231.6
232.6
9
Other
924.3
925.0
933.6
924.8
947.0
939.3
940.7
9a
Other residential
588.9
590.0
596.1
585.1
604.3
595.2
596.7
9b
Commercial
335.4
335.0
337.5
339.7
342.7
344.1
343.9
10
Consumer
327.2
324.2
321.9
322.6
324.7
324.0
318.9
10a
Credit card and related plans
104.2
99.4
96.3
96.7
98.7
99.1
96.6
10f
Other
223.0
224.8
225.6
225.9
226.1
224.9
222.3
11
Security (4)
93.2
90.5
82.3
86.8
82.2
86.4
98.0
11a
Fed funds and RPs with broker/dealer
74.2
70.8
62.9
66.0
61.0
66.8
77.6
11b
Other
19.0
19.7
19.4
20.8
21.2
19.6
20.4
12a
State and local government
14.2
14.2
14.4
14.2
14.0
14.3
14.4
12b
Agricultural
8.2
8.1
8.3
8.3
8.4
8.5
8.5
12c
Fed funds and RPs with others
27.1
32.5
26.9
23.7
18.2
20.3
22.1
12d
All other loans
125.0
123.6
123.2
127.8
135.3
135.4
146.2
12e
Lease financing receivables
100.8
101.9
101.4
99.4
95.8
93.1
93.1
13 Interbank loans
189.3
211.3
178.9
228.8
227.9

215.7

201.8

2,218.7
2,244.5
2,300.8
2,294.4
2,313.3
434.6

474.7
447.7
431.9
435.7

1,094.6
1,115.6
1,176.8
1,185.6
1,178.0
230.2

162.2
188.5
227.9
229.7

946.6

932.4
927.2
957.7
948.3

602.5

601.3
590.7
613.9
603.5

344.1

331.2
336.5
343.8
344.8

323.1

313.0
325.1
324.3
324.9

98.4

93.3

105.9
98.4
99.5

224.7

219.8
219.2
225.9
225.4

90.6

84.2
79.4

85.2
100.1

70.5

65.8
58.6

65.9
80.5

20.1

18.4
20.8

19.2
19.5

14.3

12.9
14.2

14.1
14.2

8.6
8.5

8.4
8.5

19.7

28.9
19.7

29.5
17.5

139.5

91.6
115.8
136.4
140.2

8.5

93.8

217.6

110.2

103.0
94.4
94.3

187.6
183.4
199.3
219.6

13a
97.7
117.0
13b
91.7
111.7

Fed funds and RPs with banks
105.8
94.2
101.1
117.5
Other
105.5
84.7
114.7
110.4

91.3

107.1

110.5

110.5

116.6
101.5
90.4
107.4
71.0
108.9

81.8
112.2

14 Cash assets (5)
156.6
148.3
143.9
143.0
161.1

153.6

148.1

148.6

142.3
151.9
145.0
140.3

15 Other assets (6)
356.0
348.2
351.5
409.0
416.5

375.3

386.0

408.6

355.8
354.5
402.9
405.8

16 TOTAL ASSETS (7)
3,797.0
3,875.6
3,875.0
3,966.3
4,024.2

3,922.3

3,926.9

3,755.5
3,767.9
3,974.1
3,935.6
3,973.3

------------------------------------------------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 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

2,274.1

2,291.4

2,138.0
2,176.7
2,313.4
2,311.5
2,329.0

314.6

291.8

302.0

1,959.5

1,999.6

1,834.2
1,859.0
2,011.4
2,043.6
2,023.0

256.9

273.4

284.0

1,702.5

1,726.2

1,569.0
1,609.7
1,727.5
1,754.6
1,734.3

L I A B I L I T I E S
17 Deposits
2,162.3
2,178.9
2,238.2
2,285.3
2,323.2
18
Transaction
297.7
293.1
308.6
316.9
321.7
19
Nontransaction
1,864.6
1,885.8
1,929.6
1,968.4
2,001.4
20
Large time
253.2
245.1
254.3
287.0
272.3
21
Other
1,611.4
1,640.8
1,675.3

303.8
317.7
267.9
305.9

265.2
249.3
288.9
288.7

1,681.4

1,729.1

22 Borrowings
734.6
773.3
728.9
734.4
765.2
751.2
23
From banks in the U.S.
182.7
201.7
180.5
190.4
198.8
194.0
24
From others
551.8
571.6
548.3
544.0
566.4
557.2

727.1

743.4

760.8
707.2
719.2
745.1

187.2

191.4

219.0
175.5
184.7
188.0

539.9

552.0

541.8
531.6
534.5
557.1

25 Net due to related foreign offices
242.9
237.5
219.7
226.4
223.0
155.7
160.0

144.0

195.4
239.5
134.1
127.7

26 Other liabilities
256.7
280.9
279.9
330.6
364.9

250.6

250.3

345.9

255.8
246.5
343.2
343.7

27 TOTAL LIABILITIES
3,396.5
3,470.6
3,466.7
3,536.9
3,599.3

3,485.4

3,491.9

3,350.1
3,369.9
3,546.7
3,508.0
3,545.5

28 Residual (assets less liabilities) (8)
400.5
405.0
408.3
436.9
435.0
429.4
424.9

427.4

405.4
398.0
427.7
427.8

------------------------------------------------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 9, 2004

2004

2004

Feb

Mar

Account
2004
Apr

2003

2004

2004

May

Jun

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

Jun 30
--------------

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

--------

--------

--------

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

2,659.1

2,668.3

2,423.8
2,521.9
2,681.6
2,673.1
2,691.9

A S S E T S

1
Bank credit
2,550.1
2,570.8
2,689.9
2,675.0
2
715.5
730.3
3
503.0
516.2
4
212.5
214.1

2,595.5

Securities in bank credit
718.2
718.5
725.7
727.8
730.6
Treasury and Agency securities (2)
504.0
502.5
509.0
515.9
516.5
Other securities
214.2
216.0
216.7
211.9
214.1

5
Loans and leases in bank credit (3)
1,834.6
1,852.5
1,877.1
1,933.4
1,940.5
1,959.6
1,944.4
6
Commercial and industrial
311.3
312.5
314.6
314.0
312.7
314.6
314.4
7
Real estate
1,104.2
1,118.1
1,138.0
1,195.4
1,202.8
1,214.8
1,205.4
8
Revolving home equity
94.2
95.9
98.1
101.1
103.5
107.3
106.6
9
Other
1,009.9
1,022.2
1,039.9
1,094.3
1,099.4
1,107.6
1,098.8
10
Consumer
309.8
312.1
315.3
314.4
314.9
320.8
316.6
11
Security (4)
8.2
8.2
7.8
7.4
7.3
7.2
7.1
12
Other loans and leases
101.1
101.7
101.4
102.3
102.8
102.2
100.9
13
92.4
77.6

Interbank loans
93.7
87.2
77.8

14 Cash assets (5)
116.2
118.4
120.1
122.1
109.9
15

Other assets (6)

730.3

683.1
711.1
729.0
731.6

516.8

480.5
500.4
516.6
517.9

213.5

202.6
210.7
212.4
213.6

1,740.7
1,810.8
1,951.3
1,944.0
1,960.3
314.4

294.2
306.7
313.2
315.8

1,051.0
1,089.2
1,208.7
1,202.9
1,214.6
106.5

83.1
105.6

92.0
106.9

1,102.2

967.9
997.2
1,097.3
1,107.7

319.3

284.0
307.2
318.9
320.9

7.1

8.1
7.0

7.8
7.0

101.8

103.4
100.0
102.0
102.0

77.5

78.6

75.8

105.5
73.0

119.9

120.4

119.0

122.2
113.7
122.2
121.3
146.2

86.6
75.0

162.2

159.3
163.5

163.5
187.4

166.7

16 TOTAL ASSETS (7)
2,885.9
2,914.1
2,937.1
3,019.2
3,016.2

171.0

175.0

173.7

176.0

167.9

2,994.3

3,008.9

2,767.0
2,852.3
3,016.3
3,010.5
3,022.2

2,217.1

2,236.1

2,112.4
2,163.6
2,253.4
2,252.4
2,257.7

342.1

342.9

347.3

1,875.0

1,893.2

1,789.2
1,829.6
1,906.1
1,915.2
1,912.2

342.7

343.8

337.5

1,532.3

1,549.4

1,465.9
1,500.7
1,568.6
1,574.7
1,576.7

504.7

515.1

402.6
441.6
501.6
515.9

194.0

193.7

152.4
166.6
186.7
194.8

310.7

321.4

250.3
274.9
314.9
321.1

L I A B I L I T I E S
17 Deposits
2,180.8
2,191.7
2,202.7
2,258.0
2,244.8
18
Transaction
329.2
336.4
347.8
363.4
347.2
19
Nontransaction
1,851.7
1,855.2
1,855.0
1,894.5
1,897.6
20
Large time
335.4
334.6
340.4
336.6
336.8
21
Other
1,516.2
1,520.6
1,514.6
1,558.0
1,560.8

22 Borrowings
455.2
460.8
461.4
497.0
526.8
520.3
23
From banks in the U.S.
164.6
170.6
166.7
199.4
201.0
195.0
24
From others
290.6
290.2
294.7
297.7
325.8
325.3

323.2
334.0
337.1
345.5

323.3
328.9
340.6
335.5

25
23.3
13.3

Net due to related foreign offices
24.4
20.1
23.5
22.8
14.3

14.9

11.9
18.3

20.6
13.5

26
68.2
74.0

Other liabilities
70.8
72.1
75.9

76.3
74.9

69.7
74.2

27 TOTAL LIABILITIES
2,727.6
2,747.6
2,756.3
2,872.0
2,855.3

74.0

73.7

74.8

2,811.7

2,837.3

2,603.3
2,695.4
2,858.3
2,847.2
2,861.4

28 Residual (assets less liabilities) (8)
158.3
166.5
180.8
182.6
171.6
147.1
160.9

158.1

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

163.7
156.8
163.3
160.9

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 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

2,648.3

2,661.9

2,414.5
2,538.6
2,671.6
2,663.3
2,672.5

A S S E T S

1
Bank credit
2,554.3
2,567.6
2,678.5
2,675.8
2
715.6
731.2
3
503.1
517.1
4
212.5
214.1

2,585.8

Securities in bank credit
716.1
719.9
727.9
727.4
731.6
Treasury and Agency securities (2)
501.9
503.9
511.2
515.5
517.5
Other securities
214.2
216.0
216.7
211.9
214.1

730.4

683.2
714.2
729.1
730.4

516.9

480.5
503.5
516.7
516.7

213.5

202.6
210.7
212.4
213.6

5
Loans and leases in bank credit (3)
1,731.3
1,824.4
1,838.7
1,851.6
1,865.9
1,920.4
1,934.6
1,941.2
1,934.2
1,942.2
1,947.3
1,944.2
6
Commercial and industrial
295.9
306.7
310.7
312.4
315.1
315.4
314.7
316.1
314.5
316.2
316.1
318.1
7
Real estate
1,043.9
1,095.1
1,105.0
1,117.5
1,131.5
1,186.7
1,198.5
1,200.7
1,196.2
1,202.5
1,205.4
1,201.6
8
Revolving home equity
83.4
91.8
93.9
95.7
97.6
100.8
103.5
106.8
105.8
106.7
107.5
107.6
9
Other
960.5
1,003.3
1,011.1
1,021.8
1,033.9
1,085.9
1,095.0
1,093.9
1,090.3
1,095.9
1,097.9
1,094.1
9b
Other residential
-------495.9
493.7
497.3
500.3
494.1
9c
Commercial
-------598.1
596.6
598.6
597.6
599.9

10
316.1
316.8
10a
155.8
158.7
10h
160.3
158.1
11
8.0
6.8
12
99.0
102.1
13
87.9
70.7

Consumer
314.0
311.2
309.7
312.0
314.8
Credit card and related plans
154.2
153.2
151.5
154.1
156.4
Other
159.7
158.0
158.2
157.9
158.4
Security (4)
8.2
8.0
7.4
7.2
7.1
Other loans and leases
99.4
100.1
101.2
102.2
102.6
Interbank loans
93.8
91.6
75.1

314.8

279.7
314.3
313.6
314.1

157.0

131.5
156.7
156.1
156.5

157.8

148.1
157.6
157.6
157.5

7.1
102.5

8.0
7.3

7.9
7.0

103.8
100.4
102.7
102.3

81.3

76.2

74.4

103.0
77.0

87.4
74.2

14 Cash assets (5)
117.4
116.3
115.3
115.5
116.1

116.9

119.4

118.3

121.3
119.0
116.9
121.3

15 Other assets (6)
159.3
163.5
166.7
163.5
187.4

171.0

175.0

173.7

146.2
162.2
176.0
167.9

16 TOTAL ASSETS (7)
2,886.8
2,909.0
2,927.0
2,994.2
3,020.5

2,984.2

2,999.1

2,754.4
2,875.1
3,004.1
2,999.5
3,002.1

2,221.1

2,231.6

2,111.1
2,176.6
2,252.1
2,258.5
2,255.0

342.9

338.7

343.1

1,878.2

1,892.9

1,792.2
1,829.9
1,909.1
1,928.4
1,913.6

342.7

343.8

337.5

1,535.5

1,549.1

1,468.8
1,501.0
1,571.6
1,587.8
1,578.1

504.7

515.1

402.6
441.6
501.6
515.9

194.0

193.7

152.4
166.6
186.7
194.8

310.7

321.4

250.3
274.9
314.9
321.1

L I A B I L I T I E S
17 Deposits
2,176.4
2,182.1
2,200.9
2,237.0
2,253.7
18
Transaction
332.9
332.0
343.7
349.8
352.3
19
Nontransaction
1,843.5
1,850.1
1,857.2
1,887.2
1,901.4
20
Large time
335.4
334.6
340.4
336.6
336.8
21
Other
1,508.1
1,515.4
1,516.8
1,550.7
1,564.6

22 Borrowings
455.2
460.8
461.4
497.0
526.8
520.3
23
From banks in the U.S.
164.6
170.6
166.7
199.4
201.0
195.0
24
From others
290.6
290.2
294.7
297.7

319.0
346.7
330.1
341.4

323.3
328.9
340.6
335.5

325.8

325.3

25
23.3
13.3

Net due to related foreign offices
24.4
20.1
23.5
22.8
14.3

14.9

11.9
18.3

20.6
13.5

26
68.2
74.0

Other liabilities
70.8
72.1
75.9

76.3
74.9

69.7
74.2

27 TOTAL LIABILITIES
2,723.2
2,738.0
2,754.5
2,851.1
2,864.2

74.0

73.7

74.8

2,815.6

2,832.8

2,602.0
2,708.4
2,856.9
2,853.3
2,858.6

28 Residual (assets less liabilities) (8)
163.6
171.0
172.5
168.6
166.2
143.1
156.4

147.2

152.4
166.7
146.2
143.5

------------------------------------------------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 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

642.0

628.4

643.8

666.5
627.9
655.6
648.1

258.2

281.8
265.9
262.0
258.2

93.9

121.5
94.1

A S S E T S

1
Bank credit
639.8
654.1
644.0
628.1
2
261.6
257.6
3
98.3
95.1

659.2

Securities in bank credit
266.3
266.2
263.7
255.8
255.0
Treasury and Agency securities (2)
99.6
96.5
95.5
92.4
92.8

99.2
94.3

4
163.2
162.6
5
378.2
386.3
6
137.3
132.8
7
17.1
14.6
11
131.4
148.8
12
92.4
90.0

Other securities
166.6
169.6
162.2

168.2

Loans and leases in bank credit
387.8
393.0
378.3
373.1
Commercial and industrial
136.8
133.7
130.8
130.8
Real estate
17.2
17.3
17.5
14.3
Security (4)
140.1
149.6
140.8
138.4
Other loans and leases
93.8
92.3
89.2
89.6

163.4

164.4

160.3
166.7
168.0
163.9

(3)
372.6

385.5

384.8
362.1
393.6
389.9

130.4

131.7

158.1
136.1
131.2
132.6

15.9

14.6

136.9

148.9

89.3

90.3

80.9
90.0

83.0
92.0

19.2
14.8

17.8
14.8

126.6
125.1
157.6
150.5

13
35.3
31.0

Interbank loans
31.9
29.4
28.8

32.0

34.4

28.9

36.4
29.8

31.5
24.6

14
54.6
57.2

Cash assets (5)
54.1
54.7
57.4

57.0

60.2

56.8

51.4
57.0

49.8
55.5

15
27.0
39.8

Other assets (6)
25.8
28.8
45.3

33.5

34.0

39.3

31.1
37.5

26.8
35.3

764.0

756.5

768.4

785.0
735.6
779.5
763.1

481.8

494.6

520.9

424.3
435.7
521.7
522.9

11.6

11.6

11.9

470.2

483.0

509.0

414.1
424.8
509.4
510.8

331.8

336.0

330.6
317.3
328.9
331.7

43.5

49.2

288.3

286.8

16 TOTAL ASSETS (7)
756.3
765.4
771.7
771.5
759.1

L I A B I L I T I E S
17 Deposits
454.8
468.1
472.9
521.7
519.4
18
Transaction
11.9
11.9
11.9
11.8
11.7
19
Nontransaction
442.9
456.2
460.9
509.9
507.7

22 Borrowings
328.5
343.6
353.0
349.7
341.1
344.5
23
From banks in the U.S.
39.9
43.8
49.2
45.3
51.6
57.9
24
From others
288.6
299.8
303.9
304.4
289.6
286.6

10.2
12.3

38.7
41.4

11.0
12.1

42.9
47.8

291.9
274.3
287.5
283.9

25 Net due to related foreign offices
-131.7
-152.6
-155.4
-171.2
-180.1
-185.4
-197.1

-184.9

26 Other liabilities
101.0
102.7
98.3
87.6
92.0

101.5

98.6

91.4

27 TOTAL LIABILITIES
752.6
761.8
768.8
765.0
758.8

761.7

745.0

763.4

28
3.6
6.5

-81.5
-110.4
-176.9
-180.9
108.3

Residual (assets less liabilities) (8)
3.7
2.9
2.4
11.5
0.3

99.3
93.4

781.8
741.9
767.2
763.9
3.2
12.3

5.0

90.1

-6.3
-0.8

------------------------------------------------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 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23

2004

2004

Apr

May

Jun

--------

--------

--------

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

647.7

625.6

643.6

666.3
634.9
650.2
653.1

258.2

281.8
265.9
262.0
258.2

93.9

121.5
94.1

99.2
94.3

35.4

41.8
35.8

35.2
35.7

A S S E T S

1
Bank credit
643.2
656.4
643.4
629.5
2
261.6
257.6
3
98.3
95.1
3a
33.8
36.3

662.6

Securities in bank credit (2)
266.3
266.2
263.7
255.8
255.0
Treasury and Agency securities
99.6
96.5
95.5
92.4
92.8
Trading account
36.2
35.1
35.1
33.3
34.7

3b
64.5
58.7
4
163.2
162.6
4a
96.6
103.5
4b
66.6
59.1
5
381.7
385.8
6
137.9
132.3
7
17.1
14.6
11
135.3
148.2
12
91.3
90.7

Investment account
63.5
61.4
60.4
58.1
Other securities
166.6
169.6
168.2
162.2
Trading account
99.0
101.1
98.2
104.8
Investment account
67.7
68.5
70.0
57.4

59.1

58.4

163.4

164.4

79.6
58.3

64.0
58.6

160.3
166.7
168.0
163.9
104.9
101.9
106.7
103.7

100.6

104.7

62.8

59.6

(3)
369.8

385.4

384.6
369.0
388.1
394.9

130.4

131.3

157.6
137.3
130.7
132.0

15.9

14.6

133.7

147.8

89.8

91.7

82.2
91.3

83.1
93.4

Loans and leases in bank credit
390.1
396.5
384.0
374.5
Commercial and industrial
138.5
135.6
131.8
130.5
Real estate
17.2
17.3
17.5
14.3
Security (4)
142.6
151.5
144.6
138.1
Other loans and leases
91.8
92.1
90.2
91.6

55.4
61.3

19.2
14.8

64.8
60.2

17.8
14.8

125.7
130.8
151.4
154.6

13
35.3
31.0

Interbank loans
31.9
29.4
28.8

32.0

34.4

28.9

36.4
29.8

31.5
24.6

14
54.2
56.4

Cash assets (5)
53.4
52.9
57.2

56.4

59.6

56.4

51.0
56.2

51.3
55.3

15
28.8
39.4

Other assets (6)
27.3
28.8
44.2

32.2

34.6

39.3

31.1
38.3

27.3
35.5

767.9

753.7

767.7

784.4
744.6
774.0
768.0

491.4

505.8

528.3

430.4
434.9
532.6
531.1

11.4

11.4

11.9

480.0

494.5

516.5

16 TOTAL ASSETS (7)
761.1
768.4
773.4
769.8
759.3

L I A B I L I T I E S
17 Deposits
460.8
474.3
477.5
528.7
521.8
18
Transaction
12.3
11.9
11.5
11.6
12.2
19
Nontransaction
448.5
462.3
466.0
517.0
509.6
22

Borrowings

10.2
11.7

11.3
12.0

420.3
423.5
520.8
519.1
330.6

317.3

328.5
341.1
23
39.9
51.6
24
288.6
289.6

343.6
353.0
349.7
344.5
From banks in the U.S.
43.8
49.2
45.3
57.9
From others
299.8
303.9
304.4
286.6

331.8

336.0

43.5

49.2

288.3

286.8

291.9
274.3
287.5
283.9

-187.0

-84.1
-108.8
-179.4
-183.5

25 Net due to related foreign offices
-131.0
-152.9
-156.0
-173.5
-181.8
-187.0
-198.5
26 Other liabilities
101.6
102.4
97.8
86.3
90.7

99.5

97.1

89.6

27 TOTAL LIABILITIES
759.9
767.3
772.4
769.1
758.5

767.1

753.0

767.0

28
1.2
0.8

Residual (assets less liabilities) (8)
1.1
1.0
0.8
0.8
0.8

328.9
38.7
41.4

106.2

42.9
47.8

100.6
91.2
87.9

783.1
743.9
773.2
767.2
1.3
0.8

0.8

331.7

0.7
0.8

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

H.8 (510)
Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars
July 9, 2004
Account
2004

2004

2004

Feb
Jun 30

Mar

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

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

2003

2004

2004

Apr

May

Jun

--------

--------

--------

2003
2004
Week ending
Jun
Dec
Jan
Jun 9
Jun 16
Jun 23
-------- ---------------------------

LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers
29 Reval. gains on off-bal. sheet items (9)
125.7
125.6
129.4
106.9
101.3
94.2
96.1

97.0

129.9

120.0
99.5
97.9

30 Reval. losses on off-bal. sheet items (9)
110.5
114.7
118.9
93.2
85.2
80.0
86.3
31 Mortgage-backed securities (10)
412.5
469.4
502.0
498.8
488.2
491.1
31a
Pass-through
293.7
348.3
380.4
383.8
382.3
384.1
31b
CMO, REMIC, and other
118.8
121.0
121.5
115.1
105.9
106.9
32
3.8
-5.5

35
7.6
7.3

Securitized business loans (12)
7.5
7.4
7.4
7.3

110.2

103.7
83.9
83.3

487.7

483.1

447.0
412.6
477.3
475.7

377.7

376.3

332.6
295.5
369.6
369.3

109.9

106.8

114.4
117.1
107.7
106.5

Net unrealized gains (losses) on
available-for-sale securities (11)
6.7
10.6
4.9
-5.5
-4.6

33 Securitized consumer loans (12)
140.0
139.4
141.3
139.5
137.2
140.0
33a
Credit card and related plans
120.8
120.4
121.1
119.4
117.2
118.3
33b
Other
19.2
18.9
20.2
20.2
20.0
21.8

83.2

-5.6

12.7
-5.8

3.2
-6.2

136.9

137.7

131.2
138.5
136.9
136.5

117.2

117.6

113.3
119.3
117.5
117.2

19.7

20.1

7.4

7.3

17.9
19.4

19.3
19.3

9.9
7.4

7.2
7.3

SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers
31 Mortgage-backed securities (10)
326.8
325.2
329.4
332.4
329.6
331.1
33 Securitized consumer loans (12)
234.3
231.5
232.4
229.4
224.0
226.8
33a
Credit card and related plans
226.7
224.1
225.2
222.3
216.8
219.5
33b
Other
7.6
7.4
7.2
7.1
7.2
7.3

332.7

330.5

327.9
330.8
331.3
329.4

224.6

224.7

230.9
232.1
223.8
224.4

217.4

217.4

223.6
224.7
216.6
217.2

7.2

7.2

7.3
7.2

7.4
7.2

71.5
61.0

63.9
58.1

FOREIGN-RELATED INSTITUTIONS
29
63.7
57.3

Reval. gains on off-bal. sheet items (9)
62.8
61.8
58.4
60.5
57.3

58.6

30
68.4
57.7

Reval. losses on off-bal. sheet items (9)
69.1
67.8
64.8
63.2
57.5

58.9

34
0.8
0.3

Securitized business loans (12)
0.4
0.3
0.3
0.3

0.3

0.3

72.6
61.3

66.9
58.2

2.5
0.3

1.2
0.3

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

H.8 (510)
Page 14

Footnotes

July 9, 2004
Current and historical H.8 data are available on the Federal Reserve Board's web
site (http://www.federalreserve.gov). For information about individual copies or
subscriptions,
contact Publications Services at the Federal Reserve Board (phone 202-452-3244,
fax 202-728-5886). For paid electronic access to current and historical data,
call STAT-USA at
1-800-782-8872 or 202-482-1986.
1. Covers the following types of institutions in the fifty states and the
District of Columbia: domestically chartered commercial banks that submit a weekly
report of
condition (large domestic); other domestically chartered commercial banks
(small domestic); branches and agencies of foreign banks, and Edge Act and
Agreement corporations
(foreign-related institutions). Excludes International Banking Facilities.
Data are Wednesday values or pro rata averages of Wednesday values. Large domestic
banks
constitute a universe; data for small domestic banks and foreign-related
institutions are estimates based on weekly samples and on quarter-end condition
reports. Data are
adjusted for breaks caused by reclassifications of assets and liabilities.
The data for large and small domestic banks presented on pages 5 to 10 are
adjusted to remove the estimated effects of mergers between these two groups. The
adjustment for
mergers changes past levels to make them comparable with current levels.
Estimated quantities of balance sheet items acquired in mergers are removed from
past data for the

bank group that contained the acquired bank and put into past data for the
group containing the acquiring bank. Balance sheet data for acquired banks are
obtained from
call reports, and a ratio procedure is used to adjust past levels.
2. Treasury securities are liabilities of the U.S. Treasury. Agency securities
are liabilities of U.S. government agencies and U.S. government-sponsored
enterprises.
3. Excludes federal funds sold to, reverse RPs with, and loans made to
commercial banks in the United States, all of which are included in line 13.
4. Consists of reverse RPs with brokers and dealers and loans to purchase and
carry securities.
5. Includes vault cash, cash items in process of collection, balances due from
depository institutions, and balances due from Federal Reserve Banks.
6. Excludes the due-from position with related foreign offices, which is
included in line 25.
7. Excludes unearned income, reserves for losses on loans and leases, and
reserves for transfer risk. Loans are reported gross of these items.
8. This balancing item is not intended as a measure of equity capital for use
in capital adequacy analysis. On a seasonally adjusted basis this item reflects
any differences
in the seasonal patterns estimated for total assets and total liabilities.
9. Fair value of derivative contracts (interest rate, foreign exchange rate,
other commodity and equity contracts) in a gain/loss position, as determined under
FASB
Interpretation No. 39. The fair value of derivative contracts in a gain
position is included in "Other securities, trading account," balance sheet item
4a. The fair value
of derivative contracts in a loss position is included in "Other
liabilities," balance sheet item 26.
10. Includes mortgage-backed securities issued by U.S. government agencies, U.S.
government-sponsored enterprises, and private entities.
11. Difference between fair value and historical cost for securities classified
as available-for-sale under FASB Statement No. 115. Data are reported net of tax
effects. Data
shown are restated to include an estimate of these tax effects.
12. Total amount outstanding.