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

8 have been
benchmarked through the June 2004 Call Report. Data on the previous release were
benchmarked
through the March 2004 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
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

6,586.5

6,598.7

6,181.0
6,442.5
6,627.0
6,631.0
6,662.6

A S S E T S

1
Bank credit
6,519.8
6,538.1
6,690.3
6,692.8

6,543.4

2
Securities in bank credit
1,983.7
1,955.6
1,929.2
1,934.0
1,907.2
1,934.7
1,929.1
3
Treasury and Agency securities (2)
1,205.0
1,199.8
1,188.8
1,189.5
1,180.9
1,191.4
1,187.6
4
Other securities
778.7
755.7
740.4
744.5
726.3
743.3
741.5

1,780.0
1,933.6
1,914.1
1,912.2
1,925.5

5
Loans and leases in bank credit
4,536.1
4,582.6
4,614.2
4,652.5
4,755.6
4,763.7
6
Commercial and industrial
877.7
873.7
873.4
877.7
891.5
893.5
7
Real estate
2,304.2
2,361.5
2,395.9
2,409.4
2,449.4
2,451.6
8
Revolving home equity
308.1
318.0
327.9
337.7
365.7
367.6
9
Other
1,996.1
2,043.5
2,068.0
2,071.7
2,083.7
2,084.0

(3)
4,691.5

4,401.0
4,508.9
4,712.9
4,718.8
4,737.1

882.4

888.8

2,415.5

2,234.0
2,263.0
2,430.9
2,428.5
2,442.5

347.0

358.3

2,068.5

1,981.3
1,965.4
2,072.6
2,068.2
2,079.2

1,080.0
1,170.5
1,183.0
1,186.8
1,185.1
731.1

700.0
763.1
725.3
740.3

918.0
887.4
892.8
890.8

252.7
297.6
360.3
363.3

10
638.3
675.3
11
243.0
250.5
12
472.9
488.9

Consumer
638.9
640.7
643.6
675.7
Security (4)
237.6
232.6
248.2
250.1
Other loans and leases
470.8
471.6
473.6
492.8

672.1

672.6

599.8
633.2
675.5
674.2

243.7

238.9

214.6
243.2
235.0
245.5

477.8

481.6

434.6
482.1
487.0
484.0

13 Interbank loans
295.6
318.0
310.1
356.8
378.9

317.9

365.9

361.1

325.3
342.5
364.1
351.2

14 Cash assets (5)
321.9
329.2
332.4
332.8
331.3

334.9

330.0

321.7

332.7
318.4
329.5
319.3

15 Other assets (6)
550.4
580.8
596.6
651.8
647.5

618.1

642.4

643.9

560.2
543.3
635.5
647.7

16 TOTAL ASSETS (7)
7,614.4
7,693.6
7,710.6
7,960.1
7,978.8

7,785.6

7,865.7

7,323.2
7,573.6
7,882.1
7,888.4
7,908.9

5,122.8

5,153.4

4,769.5
4,840.7
5,173.0
5,187.6
5,200.4

681.3

657.3

669.3

4,441.5

4,496.1

4,106.1
4,189.3
4,503.7
4,463.1
4,558.2

1,119.2

1,138.2

1,144.2

3,322.3

3,358.0

3,106.3
3,161.2
3,359.5
3,312.4
3,401.5

1,591.8

1,523.6
1,580.0
1,580.0
1,562.7
1,574.8

458.5

443.6

1,133.3

1,108.7
1,161.1
1,136.4
1,129.9
1,128.6

L I A B I L I T I E S
17 Deposits
4,931.0
4,983.0
5,059.4
5,186.1
5,216.1
18
Transaction
679.9
670.6
660.6
636.7
660.7
19
Nontransaction
4,251.1
4,312.4
4,398.8
4,549.4
4,555.4
20
Large time
1,055.2
1,072.6
1,099.8
1,141.8
1,147.2
21
Other
3,195.9
3,239.8
3,299.0
3,407.5
3,408.2

22 Borrowings
1,553.8
1,572.9
1,543.7
1,577.4
1,574.1
1,632.5
23
From banks in the U.S.
394.9
429.4
423.3
433.5
440.4
474.2
24
From others
1,158.9
1,143.5
1,120.5
1,143.8
1,133.7
1,158.4
25
90.1
41.6

Net due to related foreign offices
94.6
80.5
36.5
47.3
22.7

31.1

663.4
651.4
724.6
642.2

999.8
1,028.1
1,150.6
1,156.7

414.9
418.9
432.8
446.2

123.8
103.7
38.4
17.2

26 Other liabilities
452.2
434.7
410.9
500.6
478.9

455.5

475.2

487.6

27 TOTAL LIABILITIES
7,027.1
7,085.1
7,094.4
7,302.4
7,350.2

7,192.2

7,267.7

6,808.4
6,968.7
7,271.6
7,268.4
7,279.6

28 Residual (assets less liabilities) (8)
587.3
608.5
616.2
593.4
598.0
657.8
628.6

610.5

391.4
444.4
479.7
487.1

514.9
604.9
620.0
629.3

------------------------------------------------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
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

6,581.2

6,580.8

6,171.0
6,432.9
6,612.6
6,605.3
6,658.4

A S S E T S

1
Bank credit
6,489.7
6,520.0
6,678.6
6,702.1

6,534.9

2
Securities in bank credit
1,975.0
1,952.3
1,932.6
1,936.0
1,901.9
1,935.0
1,922.8
3
Treasury and Agency securities (2)
1,201.0
1,203.3
1,196.3
1,193.3
1,179.3
1,188.0
1,178.5
4
Other securities
774.1
749.0
736.3
742.7
722.6
746.9
744.2

1,778.0
1,930.8
1,911.9
1,908.1
1,926.9

5
Loans and leases in bank credit (3)
4,514.6
4,567.7
4,602.3
4,645.1
4,678.9
4,743.6
4,779.4

4,393.0
4,502.1
4,700.7
4,697.2
4,731.4

1,076.3
1,166.3
1,178.9
1,181.8
1,182.0
733.0

701.8
764.5
726.3
744.9

6
880.5
885.2
7
2,291.0
2,456.4
8
305.8
366.9
9
1,985.1
2,089.5
10
632.3
673.7
10a
249.2
291.1
10b
383.1
382.6
11
242.6
235.5
12
468.1
492.7

Commercial and industrial
878.0
877.3
880.2
881.2
890.7
Real estate
2,350.3
2,395.5
2,403.9
2,411.1
2,462.5
Revolving home equity
317.0
328.6
338.9
347.6
369.6
Other
2,033.3
2,066.9
2,065.0
2,063.4
2,092.9
Consumer
631.2
635.3
636.9
665.0
677.7
Credit card and related plans
247.9
252.5
254.9
286.0
295.6
Other
383.3
382.7
381.9
379.0
382.1
Security (4)
239.9
224.9
247.9
239.9
251.5
Other loans and leases
468.3
469.3
476.2
481.8
497.0

884.1

913.1
887.2
885.7
886.1

2,238.2
2,261.8
2,433.2
2,430.5
2,447.2
359.5

253.5
297.7
361.5
364.9

1,984.7
1,964.1
2,073.7
2,069.0
2,082.3
669.4

597.0
637.7
674.8
673.7

289.6

222.4
253.5
294.3
292.8

379.8

374.6
384.2
380.5
380.9

231.1

208.4
241.8
222.8
234.8

482.9

436.3
473.6
483.4
489.7

13 Interbank loans
299.6
327.7
311.1
352.9
376.2

319.3

362.4

361.1

325.0
336.7
349.6
355.7

14 Cash assets (5)
309.8
324.6
326.9
343.5
332.3

326.9

324.5

312.2

323.1
315.9
306.0
332.3

15 Other assets (6)
546.8
579.2
596.3
656.9
649.0

614.5

643.4

645.8

561.8
539.5
630.4
651.4

16 TOTAL ASSETS (7)
7,572.1
7,679.1
7,697.3
7,960.0
7,987.6

7,770.0

7,840.0

7,304.9
7,551.4
7,859.9
7,819.7
7,925.6

5,122.7

5,138.6

4,749.5
4,841.9
5,151.5
5,119.7
5,210.9

673.8

654.9

650.8

4,448.9

4,483.7

4,104.2
4,198.4
4,500.7
4,436.5
4,564.8

1,125.9

1,135.3

1,136.6

L I A B I L I T I E S
17 Deposits
4,923.8
5,000.3
5,049.8
5,210.3
5,214.8
18
Transaction
670.8
677.6
651.2
634.8
656.0
19
Nontransaction
4,253.0
4,322.7
4,398.5
4,575.5
4,558.8
20
Large time
1,058.3
1,078.4
1,108.4
1,132.4
1,135.2

645.3
643.5
683.2
646.1

993.6
1,036.9
1,143.4
1,147.3

21
3,194.8
3,443.1

Other
3,244.2
3,423.5

3,290.1

3,323.0

22 Borrowings
1,542.8
1,579.9
1,560.0
1,587.7
1,568.4
1,636.5
23
From banks in the U.S.
396.4
434.5
423.8
432.9
441.0
474.8
24
From others
1,146.5
1,145.5
1,136.2
1,154.8
1,127.5
1,161.7
25
83.8
43.0

3,348.4

3,110.6
3,161.4
3,364.1
3,293.0
3,417.4

1,593.0

1,519.8
1,577.6
1,576.3
1,553.5
1,575.4

458.3

446.0

1,134.7

1,102.5
1,161.8
1,130.3
1,120.4
1,126.2

Net due to related foreign offices
77.3
76.3
32.7
40.1
24.1

417.3
415.8
433.1
449.2

31.1

123.9
108.9
43.5
20.1
391.5
449.8
485.9
491.2

26 Other liabilities
445.0
417.9
407.1
503.2
480.9

451.4

466.5

487.4

27 TOTAL LIABILITIES
6,995.5
7,075.4
7,093.2
7,325.0
7,356.2

7,194.6

7,238.3

6,784.6
6,978.1
7,246.3
7,202.5
7,297.6

28 Residual (assets less liabilities) (8)
576.7
603.7
604.1
575.4
601.7
635.0
631.3

613.6

520.2
573.3
617.2
628.0

------------------------------------------------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
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004

2004

Jun

Jul

Aug

--------

--------

--------

A S S E T S

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8
-------- --------------------- -------

1
Bank credit
5,860.9
5,895.3
6,028.9
6,046.2

5,911.5

5,935.3

5,943.4

5,558.4
5,788.8
5,978.9
5,979.9
6,007.0

2
Securities in bank credit
1,717.4
1,691.2
1,671.2
1,671.7
1,647.5
1,666.3
1,670.1
3
Treasury and Agency securities (2)
1,108.4
1,104.4
1,096.7
1,096.0
1,089.2
1,095.4
1,096.4
4
Other securities
608.9
586.8
574.5
575.7
558.4
570.9
573.8

1,521.8
1,667.2
1,652.7
1,651.0
1,662.2

5
Loans and leases in bank credit
4,143.5
4,204.0
4,240.4
4,263.5
4,362.6
4,376.1
6
Commercial and industrial
744.1
742.8
743.1
746.2
757.6
758.8
7
Real estate
2,286.8
2,343.7
2,379.0
2,393.1
2,433.9
2,436.1
8
Revolving home equity
308.1
318.0
327.9
337.7
365.7
367.6
9
Other
1,978.7
2,025.7
2,051.1
2,055.4
2,068.3
2,068.5
10
Consumer
638.3
638.9
640.7
643.6
675.3
675.7
11
Security (4)
93.2
96.5
94.7
97.4
96.8
102.6
12
Other loans and leases
381.0
382.0
382.8
383.3
398.9
403.0

(3)
4,295.8

4,036.6
4,121.6
4,326.2
4,328.9
4,344.8

748.9

752.9

2,399.1

2,216.6
2,245.8
2,415.1
2,412.7
2,426.8

347.0

358.3

2,052.1

1,963.9
1,948.2
2,056.8
2,052.3
2,063.5

672.1

672.6

86.6

92.1

389.1

393.4

357.6
388.8
397.8
394.7

1,090.7

974.1
1,070.9
1,094.4
1,093.6

562.0

547.6
596.3
556.6
568.6

769.8
750.7
755.6
755.6

252.7
297.6
360.3
363.3

599.8
633.2
675.5
674.2
92.7
103.1
87.3
93.5

13 Interbank loans
266.1
286.0
275.5
327.1
347.5

288.6

334.1

328.6

286.4
310.6
328.2
319.0

14 Cash assets (5)
267.2
272.2
271.8
273.4
270.6

277.4

268.8

261.3

280.2
264.3
268.6
258.8

15 Other assets (6)
521.7
547.6
564.0
607.1
604.3

581.2

602.4

606.2

523.6
517.4
600.0
608.7

16 TOTAL ASSETS (7)
6,843.0
6,928.9
6,951.4
7,165.4
7,197.4

7,011.1

7,077.7

6,573.1
6,808.4
7,103.8
7,105.4
7,122.0

L I A B I L I T I E S
17 Deposits
4,458.0
4,500.7
4,563.1
4,654.6
4,687.1
18
Transaction
667.9
659.0
648.9
625.3
649.0
19
Nontransaction
3,790.1
3,841.8
3,914.2
4,029.4
4,038.0
20
Large time
596.8
604.3
621.3
632.1
637.1
21
Other
3,193.3
3,237.5
3,293.0
3,397.2
3,401.0

4,598.9

4,605.5

4,333.0
4,372.6
4,632.2
4,645.4
4,661.2

669.2

645.8

657.9

3,929.7

3,959.7

3,680.5
3,733.0
3,974.3
3,932.1
4,030.4

624.9

619.1

626.4

3,304.8

3,340.6

3,100.2
3,156.1
3,347.9
3,302.4
3,391.8

1,260.5

1,215.6
1,236.4
1,259.1
1,250.5
1,250.4

417.9

401.7

376.4
375.1
394.6
398.6

842.5

857.3

839.2
861.3
855.9
851.8

25 Net due to related foreign offices
245.6
264.8
256.9
215.2
228.7
203.7
192.0

205.5

230.9
256.3
204.3
186.8

26 Other liabilities
354.0
333.6
313.7
408.0
389.2

367.1

387.7

400.0

282.8
341.7
394.6
400.5

27 TOTAL LIABILITIES
6,258.4
6,322.7
6,347.0
6,512.8
6,564.1

6,423.2

6,482.3

6,062.2
6,207.0
6,496.8
6,494.8
6,498.9

22 Borrowings
1,200.8
1,223.6
1,213.1
1,241.9
1,246.5
1,295.9
23
From banks in the U.S.
345.7
384.4
380.7
385.8
393.7
415.8
24
From others
855.0
839.2
832.4
856.1
852.8
880.1

28 Residual (assets less liabilities) (8)
584.6
606.2
604.5
587.9
595.4
652.5
633.2

607.0

652.4
639.5
713.3
630.8

580.3
577.0
629.8
638.6

510.9
601.4
610.7
623.1

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

September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

5,930.1

5,929.4

5,556.2
5,776.9
5,973.6
5,966.1
6,015.8

A S S E T S

1
Bank credit
5,827.3
5,871.5
6,031.3
6,058.9

5,905.8

2
Securities in bank credit
1,708.7
1,688.0
1,674.5
1,673.8
1,642.2
1,666.6
1,663.8
3
Treasury and Agency securities (2)
1,104.4
1,107.8
1,104.2
1,099.8
1,087.5
1,092.0
1,087.3
4
Other securities
604.3
580.2
570.4
573.9
554.6
574.6
576.5

1,519.9
1,664.3
1,650.5
1,647.0
1,663.6
1,086.6

970.4
1,066.6
1,089.4
1,090.4

563.8

549.4
597.8
557.6
573.2

5
Loans and leases in bank credit (3)
4,036.4
4,112.5
4,118.6
4,183.5
4,231.3
4,256.3
4,287.2
4,323.1
4,319.1
4,352.2
4,364.7
4,395.1
6
Commercial and industrial
766.6
748.9
745.1
746.2
747.0
749.1
748.5
749.7
750.4
752.8
753.3
757.3
7
Real estate
2,220.8
2,244.6
2,273.6
2,332.5
2,378.6
2,387.6
2,394.7
2,417.4
2,414.7
2,431.4
2,441.0
2,447.0
8
Revolving home equity
253.5
297.7
305.8
317.0
328.6
338.9
347.6
359.5
361.5
364.9
366.9
369.6
9
Other
1,967.3
1,946.9
1,967.8
2,015.4
2,050.0
2,048.7
2,047.1
2,057.9
2,053.2
2,066.6
2,074.1
2,077.5
9a
Other residential
-----1,100.4
1,100.7
1,101.9
1,096.3
1,106.2
1,112.0
1,112.2
9b
Commercial
-----948.3
946.3
955.9
956.9
960.4
962.0
965.3
10
Consumer
597.0
637.7
632.3
631.2
635.3
636.9
665.0
669.4
674.8
673.7
673.7
677.7
10a
Credit card and related plans
222.4
253.5
249.2
247.9
252.5
254.9
286.0
289.6
294.3
292.8
291.1
295.6

10d
383.1
382.6
11
91.0
94.9
12
376.5
401.8

Other
383.3
382.7
381.9
382.1
Security (4)
95.1
90.3
98.3
106.6
Other loans and leases
378.5
380.1
384.5
406.5

374.6
384.2
380.5
380.9

379.0

379.8

87.0

92.9

392.1

393.8

358.4
382.2
393.3
398.9

93.6
85.9

99.2
95.4

13 Interbank loans
270.1
295.6
276.6
323.2
344.7

290.0

330.6

328.6

286.1
304.8
313.8
323.6

14 Cash assets (5)
256.9
268.0
267.0
284.1
271.1

269.9

264.0

251.7

270.5
262.5
245.1
271.3

15 Other assets (6)
518.1
547.3
563.2
613.3
607.8

577.6

604.5

608.5

525.6
512.1
595.2
612.8

16 TOTAL ASSETS (7)
6,799.0
6,910.5
6,940.9
7,180.5
7,210.9

6,996.2

7,057.8

6,562.8
6,783.2
7,091.0
7,049.0
7,151.7

4,591.3

4,592.1

4,319.0
4,367.6
4,618.3
4,583.7
4,681.2

661.7

643.5

639.5

3,929.6

3,948.7

3,684.6
3,736.0
3,978.7
3,911.6
4,046.5

624.3

617.7

626.0

3,305.3

3,331.0

3,104.6
3,156.2
3,352.7
3,283.1
3,407.9

1,261.7

1,211.7
1,234.0
1,255.4
1,241.3
1,251.0

417.8

404.2

378.8
372.0
394.9
401.6

844.0

851.2

832.9
861.9
846.4
849.4

25 Net due to related foreign offices
239.8
249.8
254.5
213.6
223.0
205.1
192.8

205.2

230.5
261.8
208.0
188.6

L I A B I L I T I E S
17 Deposits
4,446.3
4,508.4
4,542.3
4,689.8
4,697.1
18
Transaction
659.3
666.2
639.8
623.5
644.4
19
Nontransaction
3,787.0
3,842.2
3,902.5
4,066.3
4,052.7
20
Large time
594.9
600.3
618.5
633.3
636.2
21
Other
3,192.1
3,241.9
3,284.0
3,433.0
3,416.5

22 Borrowings
1,189.8
1,230.6
1,229.4
1,252.3
1,240.9
1,299.9
23
From banks in the U.S.
347.2
389.4
381.2
385.1
394.3
416.4
24
From others
842.6
841.2
848.2
867.1
846.6
883.4

634.5
631.5
672.1
634.6

580.0
579.8
628.5
638.6

26 Other liabilities
347.3
318.8
311.5
410.7
390.7

364.8

380.1

399.5

27 TOTAL LIABILITIES
6,223.1
6,307.7
6,337.7
6,546.4
6,580.5

6,422.1

6,457.0

6,043.7
6,210.8
6,478.3
6,432.7
6,524.6

28 Residual (assets less liabilities) (8)
575.8
602.8
603.2
574.1
600.8
634.1
630.4

612.7

282.4
347.4
399.7
403.8

519.1
572.4
616.3
627.1

------------------------------------------------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
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

3,237.6

3,239.5

3,095.2
3,222.5
3,265.0
3,268.9
3,281.5

A S S E T S

1
Bank credit
3,273.4
3,231.8
3,297.3
3,314.2

3,227.5

2
Securities in bank credit
1,004.6
965.2
937.4
936.7
920.4
942.7
949.2
3
Treasury and Agency securities (2)
611.7
595.1
575.7
576.0
569.7
578.8
583.0
3a
Trading account
45.1
45.0
45.4
40.5
38.1
45.0
53.9

929.0
573.1
40.4

822.6

950.9
932.0

940.3

477.7
568.8
579.4
577.8
34.7
44.0

42.9
40.9

3b
566.6
533.8
3c
452.6
423.8
3b
114.0
110.0
4
392.9
364.0
4a
208.1
196.9
4b
184.8
167.0
4c
33.7
33.0
4d
151.1
134.0

Investment account
550.0
530.3
535.5
531.5
529.1
Mortgage-backed
442.6
424.6
423.5
421.7
419.2
Other
107.5
105.7
112.0
109.8
109.9
Other securities
370.1
361.7
360.7
350.8
366.2
Trading account
185.0
180.1
179.9
189.2
196.8
Investment account
185.1
181.6
180.8
161.5
169.4
State and local government
33.8
33.4
33.2
33.1
33.2
Other
151.2
148.2
147.6
128.4
136.1

5
Loans and leases in bank credit (3)
2,268.8
2,266.6
2,290.0
2,300.9
2,319.0
2,354.6
2,365.0
6
Commercial and industrial
430.2
428.3
428.4
428.8
429.5
431.6
432.0
7
Real estate
1,150.4
1,145.1
1,168.7
1,176.6
1,180.1
1,196.1
1,196.3
8
Revolving home equity
210.0
216.2
222.9
229.4
236.5
250.1
251.9
9
Other
940.4
928.9
945.8
947.2
943.5
946.0
944.4
9a
Other residential
599.2
586.6
602.3
601.3
596.9
598.5
596.0
9b
Commercial
341.2
342.4
343.6
345.9
346.6
347.5
348.4
10
Consumer
323.3
324.7
325.8
324.4
343.7
343.0
343.6
11
Security (4)
85.4
89.2
87.4
90.3
79.5
89.7
95.2
11a
Fed funds and RPs with broker/dealer
64.7
67.0
64.1
69.5
59.1
69.0
76.0
11b
Other
20.7
22.1
23.3
20.9
20.4
20.8
19.2

532.7

443.0
525.9
535.5
537.0

423.8

345.6
415.7
426.5
427.6

109.0

97.4
110.2
109.0
109.3

355.9

344.8
382.1
352.5
362.5

191.5

165.5
200.4
188.9
196.3

164.4

179.3
181.7
163.6
166.2

32.9
131.5

30.9
33.0

32.5
32.9

148.4
149.1
130.6
133.2

2,272.6
2,271.6
2,336.0
2,337.0
2,341.2
429.8

470.2
438.9
431.6
430.7

1,149.4
1,129.4
1,189.3
1,189.4
1,192.9
244.7

168.7
201.7
246.2
248.2

944.7

980.7
927.7
943.2
944.7

596.5

641.9
591.3
595.0
596.5

348.2

338.8
336.4
348.3
348.2

342.4

312.7
321.3
343.0
341.4

84.9

84.9
79.9

94.8
86.3

65.2

66.1
59.9

73.8
68.0

19.7

18.8
20.0

21.1
18.3

12a
14.6
15.7
12b
9.1
9.2
12c
24.3
28.8
12d
129.9
148.2
12e
101.6
92.1

State and local government
14.9
14.9
14.8
15.3
15.8
Agricultural
9.3
9.2
9.2
9.2
9.3
Fed funds and RPs with others
21.0
17.8
19.2
22.0
27.1
All other loans
134.6
142.1
143.3
147.1
153.9
Lease financing receivables
99.5
95.6
94.1
92.6
91.8

13 Interbank loans
178.5
208.5
197.2
213.3
256.2
271.6
13a
Fed funds and RPs with banks
94.4
98.3
89.8
105.6
134.1
156.3
13b
Other
84.1
110.2
107.4
107.7
122.1
115.3

257.5

15.7
9.2
23.0
149.4

13.6
15.8

14.5
16.0

8.5
9.2

8.7
9.2

25.6
22.9

30.3
23.4

100.3
131.5
152.5
148.7

92.3

107.3

102.1
92.8
92.6

253.4

190.4
216.6
250.8
243.9

140.5

137.6

111.6
108.8
133.2
130.8

117.1

115.9

78.8
107.8
117.5
113.1

14 Cash assets (5)
147.2
152.1
150.9
152.5
143.6

155.5

148.4

140.6

155.8
146.0
144.0
141.7

15 Other assets (6)
356.6
377.3
389.3
416.3
424.9

412.9

417.7

420.5

367.7
354.9
421.5
416.5

16 TOTAL ASSETS (7)
3,915.1
3,930.7
3,926.4
4,085.0
4,116.9

3,980.9

4,025.3

3,764.7
3,899.6
4,041.7
4,047.5
4,045.7

------------------------------------------------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)
September 24, 2004

2004

2004

Apr

May

Account
2004
Jun

2003

2004

2004

Jul

Aug

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

Sep 15
--------

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

2,328.9

2,323.4

2,192.4
2,182.3
2,333.1
2,339.7
2,349.7

313.2

303.7

313.2

2,015.7

2,019.7

1,873.9
1,879.1
2,019.9
1,990.8
2,056.0

284.6

275.4

275.8

1,731.1

1,744.3

1,616.0
1,636.6
1,744.1
1,713.2
1,772.6

746.1

755.9

786.6
776.2
750.9
753.8

217.2

210.3

210.6
204.9
206.1
209.0

528.9

545.6

576.0
571.4
544.8
544.8

25 Net due to related foreign offices
225.5
241.3
234.2
199.4
214.5
191.3
180.8

192.5

218.9
231.9
189.3
173.8

26 Other liabilities
281.8
259.6
240.2
325.3
308.2

293.6

310.3

320.7

210.9
270.9
315.4
318.8

27 TOTAL LIABILITIES
3,504.0
3,507.5
3,501.1
3,614.4
3,653.3

3,553.8

3,594.3

3,408.8
3,461.3
3,602.2
3,595.2
3,596.1

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

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

--------

--------

L I A B I L I T I E S
17 Deposits
2,256.5
2,278.9
2,315.4
2,347.8
2,371.0
18
Transaction
320.1
315.1
303.0
293.8
312.3
19
Nontransaction
1,936.4
1,963.8
2,012.4
2,054.0
2,058.7
20
Large time
256.5
261.2
276.0
275.5
280.6
21
Other
1,679.9
1,702.6
1,736.4
1,778.5
1,778.1

22 Borrowings
740.2
727.7
711.3
731.8
749.9
793.3
23
From banks in the U.S.
179.5
185.5
186.8
192.1
204.8
223.5
24
From others
560.7
542.2
524.5
539.7
545.1
569.8

28 Residual (assets less liabilities) (8)
411.1
423.2
425.2
427.1
431.0
470.5
463.6

439.5

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

H.8 (510)

318.5
303.1
348.9
293.7

257.9
242.5
277.7
283.4

355.9
438.2
452.3
449.7

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
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

3,241.2

3,234.6

3,096.8
3,211.8
3,263.7
3,257.0
3,292.4

A S S E T S

1
Bank credit
3,243.4
3,217.4
3,302.5
3,323.6
2
988.4
948.2
3
600.1
580.5
3a
44.7
45.2
3b
555.5
535.4
3c
442.5
425.0
3d
112.9
110.3
4
388.2
367.6
4a
205.7
198.9
4b
182.6
168.7
4c
33.3
33.4
4d
149.3
135.4

3,230.0

Securities in bank credit
958.2
943.0
937.3
917.2
947.6
Treasury and Agency securities (2)
594.8
585.5
578.4
570.1
578.7
Trading account
45.3
46.1
40.8
38.0
53.5
Investment account
549.5
539.4
537.6
532.1
525.2
Mortgage-backed
441.3
432.0
424.8
422.7
416.2
Other
108.2
107.4
112.8
109.5
109.0
Other securities
363.4
357.6
358.9
347.0
368.9
Trading account
181.7
178.1
179.0
187.2
198.2
Investment account
181.7
179.5
179.9
159.8
170.6
State and local government
33.2
33.0
33.0
32.8
33.5
Other
148.5
146.5
146.9
127.0
137.2

930.3

823.9
948.2
930.8
946.2

572.5

477.3
564.7
577.3
579.1

40.2

34.6
43.6

43.2
40.9

532.3

442.7
521.5
533.7
538.2

423.8

345.7
410.5
425.7
428.7

108.5

97.0
111.0
108.0
109.5

357.7

346.6
383.5
353.5
367.1

192.5

166.4
201.2
189.4
198.8

165.3

180.3
182.4
164.1
168.3

33.1
132.2

31.1
33.1

32.7
33.4

149.2
149.7
131.0
134.9

5
Loans and leases in bank credit (3)
2,272.9
2,263.6
2,255.0
2,259.2
2,287.0
2,303.8
2,317.4
2,333.5
2,326.2
2,346.2
2,354.3
2,376.0
6
Commercial and industrial
468.7
437.1
430.5
430.2
430.2
430.0
428.8
428.4
428.7
430.0
430.2
432.7
7
Real estate
1,152.9
1,128.8
1,143.7
1,142.5
1,172.7
1,179.1
1,180.2
1,190.6
1,189.0
1,194.7
1,199.0
1,200.2
8
Revolving home equity
169.4
202.1
208.2
215.4
223.5
230.3
237.1
245.6
247.1
249.7
251.2
253.1
9
Other
983.6
926.8
935.5
927.0
949.2
948.8
943.1
945.0
941.9
945.0
947.8
947.1
9a
Other residential
646.2
590.1
596.1
585.4
604.4
602.3
596.6
596.7
594.1
596.6
599.7
597.7
9b
Commercial
337.3
336.7
339.5
341.7
344.8
346.4
346.5
348.3
347.8
348.3
348.2
349.4
10
Consumer
311.4
323.9
321.3
321.7
323.4
322.2
340.5
340.8
342.4
341.8
342.9
344.6
10a
Credit card and related plans
88.6
99.3
96.1
96.5
98.5
98.2
120.2
120.5
122.0
120.8
120.5
122.9
10f
Other
222.8
224.7
225.3
225.3
224.8
224.1
220.4
220.3
220.4
221.0
222.5
221.7
11
Security (4)
85.7
90.9
83.1
87.7
83.1
91.2
80.0
85.7
78.8
87.9
87.6
99.3
11a
Fed funds and RPs with broker/dealer
66.7
70.8
62.9
66.0
61.0
70.2
59.4
65.8
59.1
69.3
67.3
79.2
11b
Other
19.0
20.2
20.1
21.8
22.2
21.0
20.6
19.9
19.7
18.6
20.3
20.1
12a
State and local government
13.6
14.5
14.6
14.9
14.9
14.8
15.3
15.7
15.8
16.0
15.7
15.8
12b
Agricultural
8.5
8.5
9.0
9.2
9.2
9.3
9.3
9.2
9.2
9.2
9.2
9.3
12c
Fed funds and RPs with others
25.6
30.3
24.3
21.0
17.8
19.2
22.0
23.0
22.9
23.4
28.8
27.1
12d
All other loans
99.4
127.6
127.1
132.5
140.2
144.1
148.7
147.9
147.0
150.7
148.9
155.5
12e
Lease financing receivables
107.1
101.8
101.3
99.4
95.5
93.9
92.5
92.1
92.5
92.5
92.0
91.6
13 Interbank loans
178.0
214.4
200.6

216.1

256.4

253.9

190.7
210.6
240.9
247.3

247.2
13a
94.2
129.4
13b
83.8
117.8

268.7
Fed funds and RPs with banks
101.1
91.3
107.0
154.6
Other
113.3
109.3
109.1
114.1

139.9

137.8

112.0
105.8
128.0
132.7

116.6

116.0

78.8
104.8
112.9
114.7

14 Cash assets (5)
141.7
151.0
147.0
155.8
143.6

148.6

143.6

132.9

148.1
146.3
128.0
147.0

15 Other assets (6)
352.9
377.0
388.5
422.5
428.4

409.4

419.8

422.7

369.6
349.6
416.8
420.7

16 TOTAL ASSETS (7)
3,875.1
3,920.9
3,927.6
4,090.3
4,126.7

3,976.7

4,016.8

3,761.0
3,877.5
4,035.3
4,005.0
4,069.4

------------------------------------------------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)
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

2,322.7

2,316.4

2,182.4
2,186.9
2,323.2
2,297.6
2,361.6

310.0

301.6

299.1

2,012.6

2,014.9

1,877.7
1,887.3
2,024.1
1,978.3
2,068.5

284.0

274.0

275.4

L I A B I L I T I E S
17 Deposits
2,246.6
2,282.6
2,299.0
2,365.9
2,379.4
18
Transaction
315.5
321.6
298.1
287.3
309.2
19
Nontransaction
1,931.1
1,961.0
2,000.9
2,078.6
2,070.3
20
Large time
254.6
257.2
273.3
276.6
279.7
21
Other

304.7
299.6
319.3
293.0

257.6
245.4
276.4
283.4
1,620.1

1,641.9

1,676.5
1,802.0

1,703.8
1,790.5

1,727.7

1,728.6

1,740.9

1,748.7

747.3

752.2

782.8
773.9
741.6
754.4

217.0

212.7

213.0
201.8
206.4
212.0

530.4

539.5

569.8
572.0
535.2
542.3

25 Net due to related foreign offices
219.7
226.4
231.7
197.8
208.8
192.7
181.7

192.1

218.6
237.5
193.0
175.6

26 Other liabilities
275.1
244.8
238.0
328.0
309.7

291.3

302.7

320.2

210.5
276.6
320.5
322.1

27 TOTAL LIABILITIES
3,470.6
3,488.5
3,496.4
3,630.9
3,668.0

3,553.9

3,575.3

3,394.2
3,474.8
3,587.7
3,552.8
3,613.7

22 Borrowings
729.2
734.8
727.6
742.1
744.3
797.2
23
From banks in the U.S.
181.0
190.6
187.3
191.5
205.4
224.1
24
From others
548.3
544.2
540.3
550.7
539.0
573.2

28 Residual (assets less liabilities) (8)
404.4
432.5
431.2
422.8
441.5
459.4
458.7

447.6

1,701.9

1,785.2

366.8
402.7
452.2
455.7

------------------------------------------------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
September 24, 2004

2004

2004

Account
2004

2004

2004

2003
Aug

2004
2004
Week ending
Feb
Mar

Apr
Sep 15

May

Jun

Jul

Aug

Aug 25

Sep 1

Sep 8

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

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

--------

--------

--------

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

2,698.9

2,704.0

2,461.6
2,568.3
2,712.1
2,708.9
2,721.9

A S S E T S

1
Bank credit
2,593.6
2,664.9
2,726.5
2,727.9
2
718.9
718.6
3
502.8
511.6
4
216.0
207.0

2,682.2

Securities in bank credit
727.5
731.9
736.3
727.2
716.8
Treasury and Agency securities (2)
510.8
519.1
521.3
519.6
509.2
Other securities
216.7
212.8
215.0
207.6
207.6

5
Loans and leases in bank credit (3)
1,874.7
1,937.4
1,950.3
1,962.6
1,976.8
2,008.0
2,011.1
6
Commercial and industrial
314.0
314.6
314.7
317.3
319.5
326.0
326.7
7
Real estate
1,136.4
1,198.7
1,210.3
1,216.5
1,219.0
1,237.8
1,239.9
8
Revolving home equity
98.1
101.9
105.0
108.3
110.4
115.6
115.7
9
Other
1,038.3
1,096.8
1,105.3
1,108.2
1,108.6
1,122.3
1,124.1
10
Consumer
315.0
314.2
314.8
319.1
328.4
332.3
332.0
11
Security (4)
7.8
7.4
7.3
7.1
7.1
7.0
7.4
12
Other loans and leases
101.6
102.6
103.2
102.6
102.8
104.8
105.1
13
87.6
70.8

Interbank loans
77.5
78.3
75.9

14 Cash assets (5)
120.0
120.1
121.0
121.0
127.1

721.9

697.5
718.3
717.1
718.3

515.8

494.7
504.0
513.0
512.2

206.1

202.8
214.3
204.0
206.1

1,764.0
1,850.0
1,990.2
1,991.9
2,003.6
323.1

299.6
311.8
324.0
324.8

1,067.2
1,116.3
1,225.8
1,223.2
1,233.8
113.6

84.0
114.1

95.9
115.1

1,112.2

983.2
1,020.5
1,109.1
1,118.7

330.3

287.1
311.9
332.5
332.7

7.1
103.9

75.3

76.5

75.2

121.9

120.4

120.7

7.8
7.4

8.2
7.3

102.3
101.7
104.7
104.9
96.0
77.4

94.1
75.2

124.5
118.3
124.6
117.1

15 Other assets (6)
165.2
170.4
174.7
190.8
179.4

168.2

184.7

185.7

156.0
162.5
178.5
192.1

16 TOTAL ASSETS (7)
2,934.0
2,999.6
3,023.2
3,075.4
3,076.3

3,031.5

3,052.5

2,806.7
2,910.8
3,060.2
3,055.9
3,072.7

2,269.9

2,282.1

2,140.6
2,190.3
2,299.1
2,305.7
2,311.5

355.9

342.1

344.7

1,914.0

1,939.9

1,806.7
1,853.9
1,954.4
1,941.3
1,974.4

340.3

343.7

350.6

1,573.7

1,596.3

1,484.2
1,519.5
1,603.8
1,589.2
1,619.2

514.4

503.2

429.0
460.1
499.7
496.6

200.8

191.5

165.8
170.2
188.5
189.6

313.6

311.7

263.2
289.9
311.1
307.0

L I A B I L I T I E S
17 Deposits
2,201.5
2,221.9
2,247.7
2,306.8
2,316.0
18
Transaction
347.9
343.9
345.9
331.5
336.7
19
Nontransaction
1,853.7
1,878.0
1,901.8
1,975.3
1,979.4
20
Large time
340.3
343.1
345.2
356.7
356.4
21
Other
1,513.4
1,534.9
1,556.6
1,618.7
1,622.9

22 Borrowings
460.5
495.9
501.8
510.1
496.6
502.6
23
From banks in the U.S.
166.2
198.8
193.9
193.7
188.9
192.3
24
From others
294.3
297.0
307.9
316.5
307.6
310.3

333.9
336.4
364.4
337.1

322.4
334.5
352.1
355.2

25
20.1
12.3

Net due to related foreign offices
23.5
22.8
15.8
14.2
11.1

13.1

11.9
15.0

24.4
13.0

26
72.2
82.7

Other liabilities
74.0
73.5
81.0

71.9
79.2

70.8
81.7

27 TOTAL LIABILITIES
2,754.4
2,815.2
2,845.8
2,898.4
2,910.8

73.5

77.4

79.3

2,869.4

2,888.1

2,653.4
2,745.6
2,894.6
2,899.5
2,902.8

28 Residual (assets less liabilities) (8)
179.6
184.4
177.4
162.1
164.4
177.0
165.5

165.6

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

153.3
165.2
156.4
169.8

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
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

2,688.9

2,694.8

2,459.4
2,565.1
2,709.9
2,709.2
2,723.4

A S S E T S

1
Bank credit
2,583.9
2,654.1
2,728.8
2,735.3
2
720.3
718.4
3
504.3
511.4
4
216.0
207.0

2,675.8

Securities in bank credit
729.8
731.5
736.4
725.0
716.2
Treasury and Agency securities (2)
513.1
518.7
521.4
517.4
508.6
Other securities
216.7
212.8
215.0
207.6
207.6

720.2

695.9
716.2
716.2
717.4

514.1

493.1
501.9
512.2
511.3

206.1

202.8
214.3
204.0
206.1

5
Loans and leases in bank credit (3)
1,763.5
1,849.0
1,863.6
1,924.3
1,944.3
1,952.5
1,969.8
1,989.7
1,992.9
2,006.0
2,010.4
2,019.1
6
Commercial and industrial
297.9
311.8
314.5
315.9
316.8
319.1
319.6
321.3
321.8
322.7
323.1
324.6
7
Real estate
1,067.9
1,115.7
1,129.9
1,190.0
1,205.9
1,208.5
1,214.5
1,226.7
1,225.7
1,236.8
1,242.0
1,246.9
8
Revolving home equity
84.1
95.6
97.6
101.6
105.0
108.6
110.6
113.8
114.4
115.1
115.8
116.5
9
Other
983.7
1,020.1
1,032.3
1,088.4
1,100.9
1,099.9
1,103.9
1,112.9
1,111.3
1,121.6
1,126.2
1,130.4
9b
Other residential
-----498.1
504.1
505.2
502.2
509.6
512.4
514.5
9c
Commercial
-----601.9
599.8
607.7
609.1
612.0

613.8
10
311.0
330.7
10a
153.1
170.6
10h
157.8
160.1
11
8.0
7.4
12
100.2
107.2
13
92.1
76.0

615.9
Consumer
309.5
311.9
314.6
324.4
333.1
Credit card and related plans
151.5
154.0
156.7
165.8
172.7
Other
158.1
157.9
157.9
158.6
160.4
Security (4)
7.4
7.2
7.0
7.1
7.3
Other loans and leases
101.5
102.5
103.2
104.2
107.1
Interbank loans
81.3
75.9
76.0

328.6

285.5
313.8
332.4
331.9

169.1

133.7
154.2
172.3
172.0

159.5

151.8
159.6
160.1
159.9

7.2
105.8

7.9
7.2

8.3
7.4

104.2
99.4
106.0
107.2
95.3
72.9

94.2
76.2

73.9

74.1

74.7

14 Cash assets (5)
115.2
117.0
119.9
128.3
127.5

121.3

120.4

118.8

122.4
116.2
117.1
124.3

15 Other assets (6)
165.2
170.4
174.7
190.8
179.4

168.2

184.7

185.7

156.0
162.5
178.5
192.1

16 TOTAL ASSETS (7)
2,923.9
2,989.6
3,013.4
3,090.2
3,084.2

3,019.5

3,041.0

2,801.8
2,905.7
3,055.7
3,044.0
3,082.3

2,268.7

2,275.7

2,136.7
2,180.7
2,295.1
2,286.1
2,319.6

351.7

341.9

340.5

1,917.0

1,933.8

1,806.9
1,848.7
1,954.6
1,933.3
1,978.0

340.3

343.7

350.6

1,576.7

1,590.1

1,484.5
1,514.3
1,604.0
1,581.2
1,622.7

514.4

503.2

429.0
460.1
499.7
496.6

200.8

191.5

165.8
170.2
188.5
189.6

L I A B I L I T I E S
17 Deposits
2,199.7
2,225.8
2,243.2
2,323.9
2,317.7
18
Transaction
343.8
344.6
341.7
336.2
335.3
19
Nontransaction
1,855.9
1,881.2
1,901.5
1,987.7
1,982.4
20
Large time
340.3
343.1
345.2
356.7
356.4
21
Other
1,515.6
1,538.1
1,556.3
1,631.0
1,626.0

22 Borrowings
460.5
495.9
501.8
510.1
496.6
502.6
23
From banks in the U.S.
166.2
198.8
193.9
193.7
188.9
192.3
24
From others

329.7
332.0
352.8
341.6

322.4
334.5
352.1
355.2

263.2

289.9

294.3
307.6

297.0
310.3

307.9

316.5

313.6

311.7

311.1

307.0

25
20.1
12.3

Net due to related foreign offices
23.5
22.8
15.8
14.2
11.1

13.1

11.9
15.0

24.4
13.0

26
72.2
82.7

Other liabilities
74.0
73.5
81.0

71.9
79.2

70.8
81.7

27 TOTAL LIABILITIES
2,752.5
2,819.2
2,841.3
2,915.5
2,912.5

73.5

77.4

79.3

2,868.1

2,881.7

2,649.5
2,736.0
2,890.6
2,880.0
2,910.9

28 Residual (assets less liabilities) (8)
171.4
170.4
172.0
151.3
159.3
174.7
171.7

165.1

152.3
169.7
164.1
171.5

------------------------------------------------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
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

651.2

655.4

648.1

622.6
653.7
651.1
655.6

261.4

258.2
266.4
261.1
263.3

92.3

105.9
92.4

A S S E T S

1
Bank credit
658.9
642.9
661.4
646.5
2
266.4
268.4
3
96.6

631.9

Securities in bank credit
264.3
258.0
262.3
259.7
259.0
Treasury and Agency securities (2)
95.4
92.1
93.5
91.7

99.7
91.6

96.1
4
169.8
172.3
5
392.6
393.0
6
133.6
133.9
7
17.3
15.5
11
149.8
153.7
12
91.9
90.0

91.2
Other securities
168.9
165.9
167.8

168.8

Loans and leases in bank credit
378.6
373.8
388.9
387.6
Commercial and industrial
130.9
130.3
131.6
134.8
Real estate
17.8
16.9
16.3
15.4
Security (4)
141.0
137.9
150.8
147.5
Other loans and leases
88.8
88.7
90.3
89.8

168.0

169.1

152.3
166.7
168.8
171.7

(3)
395.7

386.7

364.4
387.3
390.0
392.3

133.5

135.9

148.2
136.6
137.2
135.2

16.4

15.8

157.1

146.8

88.7

88.2

77.0
89.2

93.3
89.3

17.4
15.8

17.2
15.7

121.9
140.1
147.7
152.0

13
29.5
29.7

Interbank loans
32.1
34.6
31.5

29.3

31.8

32.5

38.9
35.8

31.9
32.2

14
54.7
59.4

Cash assets (5)
57.1
60.6
60.6

57.5

61.2

60.4

52.5
60.9

54.1
60.5

15
28.7
44.7

Other assets (6)
33.2
32.6
43.2

37.0

40.0

37.7

36.6
35.5

25.9
39.1

774.5

788.0

778.3

750.1
765.2
782.9
786.9

523.9

547.9

540.8

436.6
468.1
542.2
539.2

12.1

11.5

11.3

511.8

536.5

529.4

425.6
456.2
530.9
527.8

331.3

321.0

308.0
343.6
312.2
324.4

40.5

41.8

290.8

279.1

16 TOTAL ASSETS (7)
771.4
764.7
759.2
794.8
781.4

L I A B I L I T I E S
17 Deposits
472.9
482.3
496.2
531.5
529.0
18
Transaction
11.9
11.6
11.7
11.5
11.7
19
Nontransaction
461.0
470.6
484.5
520.0
517.3

22 Borrowings
353.0
349.3
330.6
335.4
327.6
336.6
23
From banks in the U.S.
49.2
45.1
42.5
47.7
46.7
58.3
24
From others
303.8
304.2
288.0
287.7
280.9
278.3

11.0
11.3

38.5
38.1

11.9
11.4

43.8
47.6

269.6
299.8
274.0
276.8

25 Net due to related foreign offices
-155.4
-170.2
-176.4
-178.7
-181.4
-162.0
-169.3

-174.5

26
98.2
92.6

Other liabilities
101.1
97.1
89.7

88.4

87.5

87.6

108.6
102.7
85.1
86.7

769.0

785.4

774.8

746.1
761.8
773.6
780.7

27 TOTAL LIABILITIES
768.7
762.4
747.5
789.6
786.1
28
2.7
5.2

-107.1
-152.6
-165.9
-169.6

Residual (assets less liabilities) (8)
2.3
11.7
5.5
2.6
-4.6

3.5

4.0
9.3

3.5
6.2

------------------------------------------------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
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8

2004

2004

Jun

Jul

Aug

--------

--------

--------

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

651.1

651.4

639.0

614.8
656.0
639.2
642.6

261.4

258.2
266.4
261.1
263.3

92.3

105.9
92.4

99.7
91.6

34.1

38.4
34.1

36.2
32.9

A S S E T S

1
Bank credit
662.4
648.6
647.3
643.2
2
266.4
268.4
3
96.6
96.1
3a
35.1

629.1

Securities in bank credit (2)
264.3
258.0
262.3
259.7
259.0
Treasury and Agency securities
95.4
92.1
93.5
91.7
91.2
Trading account
35.0
33.0
35.0
34.1

37.9
3b
61.5
58.2
4
169.8
172.3
4a
101.2
108.2
4b
68.6
64.1
5
396.0
378.9
6
135.4
131.9
7
17.3
15.5
11
151.6
140.6
12
91.6
91.0

37.1
Investment account
60.4
59.1
58.5
54.1
Other securities
168.9
165.9
168.8
167.8
Trading account
98.1
100.3
104.2
103.3
Investment account
70.7
65.6
64.6
64.5
Loans and leases in bank credit
384.3
371.0
388.8
384.3
Commercial and industrial
131.8
130.3
131.1
133.5
Real estate
17.8
16.9
16.3
15.4
Security (4)
144.8
134.6
149.7
144.8
Other loans and leases
89.8
89.2
91.7
90.6

67.5
58.3

63.5
58.7

57.6

58.1

168.0

169.1

152.3
166.7
168.8
171.7

104.3

105.3

99.6
99.0
104.6
107.3

63.7

63.8

52.8
64.2

(3)
391.7

377.6

356.6
389.6
378.1
379.3

132.8

134.4

146.6
138.3
135.3
133.4

16.4

15.8

152.8

138.2

89.7

89.2

77.9
90.1

91.4
90.7

17.4
15.8

67.7
64.5

17.2
15.7

114.8
142.7
136.9
139.4

13
29.5
29.7

Interbank loans
32.1
34.6
31.5

29.3

31.8

32.5

38.9
35.8

31.9
32.2

14
52.9
59.4

Cash assets (5)
56.5
60.0
61.2

57.0

60.5

60.5

52.5
60.9

53.4
61.0

15
28.8
43.6

Other assets (6)
31.8
33.2
41.2

36.9

38.8

37.3

36.2
35.2

27.4
38.6

773.9

782.2

768.9

742.1
768.2
770.7
773.9

531.3

546.5

533.2

430.5
474.3
535.9
529.7

12.0

11.4

11.2

519.3

535.0

522.0

16 TOTAL ASSETS (7)
773.1
768.6
756.4
779.5
776.7

L I A B I L I T I E S
17 Deposits
477.6
491.9
507.5
520.5
517.7
18
Transaction
11.5
11.4
11.5
11.3
11.6
19
Nontransaction
466.0
480.5
496.0
509.2
506.1

10.9
11.0

11.9
11.5

419.6
462.4
524.9
518.2

22 Borrowings
353.0
349.3
330.6
335.4
327.6
336.6
23
From banks in the U.S.
49.2
45.1
42.5
47.7
46.7
58.3
24
From others
303.8
304.2
288.0
287.7
280.9
278.3

331.3

321.0

40.5

41.8

290.8

279.1

25 Net due to related foreign offices
-156.0
-172.5
-178.2
-180.9
-182.9
-162.1
-168.7

-174.1

26
97.7
92.5

Other liabilities
99.1
95.6
90.1

38.5
38.1

43.8
47.6

269.6
299.8
274.0
276.8
-106.7
-152.9
-164.5
-168.5

86.6

86.4

87.9

109.0
102.4
86.2
87.4

772.5

781.3

768.0

740.9
767.3
769.8
773.0

27 TOTAL LIABILITIES
772.3
767.8
755.5
778.6
775.7
28
0.8
0.9

308.0
343.6
312.2
324.4

Residual (assets less liabilities) (8)
0.8
0.9
1.3
0.9
0.9

0.9

1.2
0.9

0.9
0.9

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

H.8 (510)
Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars
September 24, 2004
Account
2004

2004

2004

Apr
Sep 15

May

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

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

2004

2004

Jun

Jul

Aug

--------

--------

--------

2003

2004
2004
Week ending
Aug
Feb
Mar
Aug 25
Sep 1
Sep 8
-------- ---------------------------

LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers
29 Reval. gains on off-bal. sheet items (9)
129.4
106.7
99.0
96.8
105.4

111.3

93.2
125.6
107.1
110.3

105.2

106.6

30 Reval. losses on off-bal. sheet items (9)
118.9
92.9
82.5
83.0
94.7
96.4
95.4
31 Mortgage-backed securities (10)
502.1
499.0
487.8
483.4
494.2
485.9
31a
Pass-through
380.5
383.8
377.8
376.3
380.3
372.9
31b
CMO, REMIC, and other
121.7
115.2
110.1
107.1
113.9
112.9
32
10.5
2.8

114.7
99.9
102.0

483.0

488.6

396.9
469.5
490.5
497.4

376.5

378.4

280.7
348.4
380.8
383.8

106.5

110.1

116.1
121.1
109.7
113.6

Net unrealized gains (losses) on
available-for-sale securities (11)
2.7
-2.4
-2.8
-2.3
2.1

33 Securitized consumer loans (12)
141.7
139.5
136.9
137.9
140.3
138.5
33a
Credit card and related plans
121.1
119.4
117.2
117.6
119.1
117.5
33b
Other
20.6
20.2
19.7
20.2
21.1
21.0
35
7.4
6.6

102.0

Securitized business loans (12)
7.4
7.4
7.3
6.6

79.5

0.7

1.3

0.6

6.7

3.5

140.6

140.2

134.4
139.5
139.5
140.4

118.6

118.7

116.4
120.4
118.1
119.2

21.9

21.5

7.2

6.8

18.0
21.3

19.1
21.2

7.2
6.6

7.5
6.6

SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers
31 Mortgage-backed securities (10)
330.0
334.3
336.6
336.0
331.7
330.6
33 Securitized consumer loans (12)
232.4
229.5
224.7
224.8
225.1
223.4
33a
Credit card and related plans
225.2
222.3
217.5
217.5
217.8
216.0
33b
Other
7.2
7.1
7.2
7.2
7.3
7.3

333.5

331.4

323.4
325.7
328.9
331.4

227.2

226.0

229.7
231.5
224.8
224.6

219.9

218.7

222.4
224.1
217.4
217.3

7.3

7.3

7.3
7.3

7.4
7.3

65.1
57.2

62.8
57.8

FOREIGN-RELATED INSTITUTIONS
29
61.8
57.6

Reval. gains on off-bal. sheet items (9)
58.4
60.5
58.7
58.6
54.8

57.4

30
67.8
60.4

Reval. losses on off-bal. sheet items (9)
64.8
63.3
59.0
60.6
57.7

59.8

34
0.3
0.3

Securitized business loans (12)
0.3
0.3
0.3
0.3

0.3

0.3

64.7
59.6

69.1
60.9

1.4
0.3

0.4
0.3

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

H.8 (510)
Page 14

Footnotes

September 24, 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.