NOTICE TO USERS OF THE H.

8 RELEASE: Revised Supplementary Information Regarding
Balance Sheet Data for December 17, 2003
Commercial bank balance sheet data back to December 17, 2003, have been revised to
reflect further information on consolidations of the assets and liabilities of
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. 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. The original amounts of these consolidations
reported for December 17 on the H.8 release dated December 29, 2003, have been
revised
as follows: H.8 balance sheet item 4, other securities, from $6 billion to about
$7 billion, balance sheet item 6, commercial and industrial loans, from $9 billion
to about
$17 billion, and balance sheet item 12, other loans and leases, from $13 billion
to about $47 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
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

6,178.0

6,218.0

5,889.4
6,196.6
6,247.4
6,288.5
6,269.2

A S S E T S

1
Bank credit
6,201.1
6,190.6
6,241.4
6,269.4

6,198.2

2
Securities in bank credit
1,828.6
1,785.6
1,789.7
1,809.6
1,839.3
1,848.9
1,835.9
3
Treasury and Agency securities (2)
1,116.7
1,079.6
1,064.5
1,080.9
1,101.3
1,097.6
1,089.1
4
Other securities
711.9
706.0
725.3
728.8
738.0
751.3
746.8

1,718.4
1,868.2
1,850.9
1,859.5
1,849.1
1,028.1
1,152.1
1,100.7
1,103.6
1,101.4
750.2

690.4
716.2
755.9
747.7

5
Loans and leases in bank credit
4,372.5
4,405.0
4,408.5
4,368.4
4,392.5
4,433.5
6
Commercial and industrial
923.7
917.1
907.2
896.9
892.5
895.6
7
Real estate
2,195.6
2,242.3
2,259.5
2,238.2
2,218.8
2,229.3
8
Revolving home equity
249.0
253.4
258.8
265.6
286.0
288.4
9
Other
1,946.6
1,988.9
2,000.7
1,972.6
1,932.8
1,940.9
10
Consumer
602.2
603.4
607.9
603.0
638.0
637.2
11
Security (4)
211.3
203.7
199.1
206.7
185.9
208.3
12
Other loans and leases
439.7
438.4
434.7
423.7
457.3
463.2

(3)
4,378.7

4,171.0
4,328.3
4,396.5
4,429.0
4,420.1

893.3

898.0

2,222.7

2,028.5
2,156.9
2,217.3
2,216.8
2,215.3

273.4

280.9

1,949.3

1,815.1
1,912.2
1,936.4
1,934.9
1,931.2

631.7

635.2

588.0
600.5
634.8
636.9

212.4

196.7

188.8
209.9
200.4
199.3

418.6

449.3

401.7
436.6
467.2
470.6

964.0
924.4
909.8
898.1

213.4
244.8
281.9
284.1

13 Interbank loans
321.5
325.4
304.6
278.1
278.6

322.4

298.5

289.4

327.8
320.1
284.8
303.3

14 Cash assets (5)
336.2
343.2
330.0
292.4
310.5

313.7

323.0

305.5

315.1
324.7
295.2
316.0

15 Other assets (6)
555.9
575.5
565.9
563.5
559.9

564.9

561.3

562.6

509.0
550.7
558.2
559.8

16 TOTAL ASSETS (7)
7,339.6
7,358.7
7,322.9
7,299.0
7,343.3

7,304.2

7,325.6

6,965.1
7,316.6
7,328.5
7,350.3
7,371.5

4,722.4

4,744.2

4,486.5
4,702.5
4,743.6
4,737.1
4,759.5

639.2

636.7

643.9

4,083.2

4,107.5

3,875.2
4,063.2
4,099.7
4,097.4
4,073.2

1,006.4

998.4

3,076.8

3,109.1

L I A B I L I T I E S
17 Deposits
4,749.5
4,803.5
4,781.3
4,743.9
4,763.1
18
Transaction
656.5
658.5
640.1
643.0
632.8
19
Nontransaction
4,093.0
4,145.0
4,141.2
4,101.0
4,130.3
20
Large time
1,021.4
1,032.6
1,038.8
1,005.6
1,017.1
21
Other
3,071.6
3,112.4
3,102.4
3,095.4
3,113.2

1,002.5

611.3
639.3
639.7
686.3

978.6
1,003.4
1,001.8

999.0

2,896.7
3,059.7
3,097.2
3,095.6
3,074.2

22 Borrowings
1,514.1
1,520.9
1,486.2
1,440.3
1,444.0
1,441.7
23
From banks in the U.S.
411.2
418.2
403.5
385.4
372.5
367.0
24
From others
1,102.8
1,102.7
1,082.8
1,054.9
1,071.5
1,074.7

1,435.0

1,404.2
1,478.7
1,457.2
1,491.5
1,487.2

382.5

380.8

417.1
408.2
383.8
392.1

1,052.6

1,076.4

987.1
1,070.6
1,107.7
1,095.1

25 Net due to related foreign offices
142.8
126.6
130.4
164.4
175.4
139.9
147.8

144.3

146.3
126.3
140.1
133.2

26 Other liabilities
418.7
403.3
417.0
418.8
409.9

428.8

411.1

416.1

435.0
447.0
416.9
408.5

27 TOTAL LIABILITIES
6,825.0
6,854.2
6,814.9
6,746.7
6,762.5

6,756.0

6,765.7

6,472.0
6,754.5
6,761.1
6,785.7
6,788.4

28 Residual (assets less liabilities) (8)
514.6
504.5
508.0
548.2
559.9
552.4
580.8

567.4

493.1
562.1
564.6
583.2

------------------------------------------------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
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

6,179.2

6,233.6

5,923.4
6,192.5
6,284.2
6,327.7
6,304.8

A S S E T S

1
Bank credit
6,174.9
6,170.5

6,194.1

6,294.4

6,296.5

2
Securities in bank credit
1,813.1
1,778.3
1,788.5
1,807.4
1,842.9
1,859.4
1,852.5
3
Treasury and Agency securities (2)
1,108.5
1,075.7
1,064.3
1,076.5
1,103.2
1,100.1
1,095.2
4
Other securities
704.6
702.6
724.1
730.9
739.7
759.3
757.4

1,725.0
1,862.1
1,858.2
1,865.6
1,852.1

5
Loans and leases in bank credit (3)
4,361.8
4,392.2
4,405.7
4,371.8
4,390.7
4,435.0
4,444.0
6
Commercial and industrial
924.8
913.4
905.5
897.2
892.9
895.4
892.2
7
Real estate
2,194.0
2,242.3
2,261.5
2,240.1
2,227.6
2,223.2
2,228.4
8
Revolving home equity
249.0
253.5
259.6
266.2
273.2
285.1
286.9
9
Other
1,945.0
1,988.8
2,001.9
1,973.9
1,954.4
1,938.1
1,941.4
10
Consumer
596.6
599.7
606.0
602.1
633.4
650.5
646.1
10a
Credit card and related plans
224.5
224.4
227.0
221.9
253.7
270.3
264.8
10b
Other
372.1
375.3
379.0
380.2
379.7
380.1
381.3
11
Security (4)
205.4
198.6
197.0
209.2
217.2
195.6
210.4
12
Other loans and leases
441.1
438.2
435.7
423.1
419.6
470.4
466.9

4,198.4
4,330.4
4,426.0
4,462.1
4,452.7

1,032.3
1,147.4
1,105.3
1,109.0
1,103.1
752.9

896.7

692.7
714.7
756.7
748.9

962.7
928.4
907.4
898.6

2,033.1
2,158.2
2,222.0
2,220.7
2,218.9
280.2

212.9
245.6
281.3
283.5

1,820.1
1,912.6
1,941.7
1,939.3
1,935.4
644.3

596.9
597.1
643.4
650.4

265.4

238.6
227.7
265.0
272.1

378.9

358.3
369.4
378.3
378.3

207.4

199.4
208.5
216.8
207.7

455.6

406.3
438.2
473.8
477.1

13 Interbank loans
317.0
319.6
297.8
285.2
283.7

315.3

303.0

295.8

334.8
321.4
296.3
300.1

14 Cash assets (5)
325.5
326.6
326.2
347.6
328.1

317.1

333.1

326.6

336.9
315.8
317.9
328.8

15 Other assets (6)
554.1
571.8
570.0
575.7
568.4

564.7

565.1

567.9

513.7
545.2
563.0
562.7

16 TOTAL ASSETS (7)
7,296.6
7,312.3
7,312.3
7,426.9
7,401.8

7,301.9

7,359.9

7,032.7
7,299.3
7,398.2
7,428.4
7,419.6

L I A B I L I T I E S
17 Deposits
4,720.1
4,753.5
4,745.1
4,834.4
4,815.8
18
Transaction
647.8
642.1
634.8
722.5
660.2
19
Nontransaction
4,072.2
4,111.4
4,110.3
4,111.8
4,155.6
20
Large time
1,010.2
1,016.4
1,019.7
1,019.6
1,032.7
21
Other
3,062.0
3,095.0
3,090.6
3,092.2
3,122.8

4,707.0

4,759.9

4,537.2
4,691.6
4,795.8
4,791.2
4,794.3

636.4

644.6

678.1

4,070.7

4,115.4

3,893.1
4,057.7
4,117.7
4,118.7
4,077.5

996.5

1,002.2

1,015.6

3,074.2

3,113.2

2,901.9
3,056.1
3,102.2
3,104.4
3,062.9

1,437.2

1,403.3
1,477.8
1,456.1
1,496.3
1,487.2

379.6

382.4

418.9
406.3
387.1
394.4

1,057.5

1,073.7

984.5
1,071.5
1,109.2
1,092.8

25 Net due to related foreign offices
133.4
124.9
132.8
168.0
181.3
147.9
148.4

150.7

152.3
123.4
145.2
141.6

26 Other liabilities
409.8
401.6
419.3
426.5
410.4

432.3

416.6

422.4

441.9
444.0
422.3
416.6

27 TOTAL LIABILITIES
6,770.3
6,780.9
6,781.6
6,855.4
6,822.3

6,750.7

6,795.0

6,534.8
6,736.8
6,824.9
6,854.9
6,839.8

22 Borrowings
1,507.0
1,500.9
1,484.4
1,443.4
1,446.6
1,447.6
23
From banks in the U.S.
407.9
413.6
396.7
384.0
375.6
371.1
24
From others
1,099.2
1,087.3
1,087.7
1,059.4
1,071.1
1,076.5

28 Residual (assets less liabilities) (8)
526.2
531.5
530.7
551.2
564.9
571.5
579.5

573.2

644.1
633.9
672.5
716.9

991.3
1,001.5
1,014.3
1,014.6

497.9
562.4
573.5
579.9

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

H.8 (510)
Page 3
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED

STATES (1)
Seasonally adjusted, billions of dollars
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

5,553.9

5,592.7

5,246.7
5,525.6
5,627.1
5,657.9
5,643.2

A S S E T S

1
Bank credit
5,559.0
5,568.9
5,636.8
5,643.7

5,576.9

2
Securities in bank credit
1,562.3
1,521.0
1,520.8
1,538.3
1,569.5
1,579.2
1,563.6
3
Treasury and Agency securities (2)
1,002.5
972.1
955.4
975.8
1,002.7
1,002.7
993.7
4
Other securities
559.8
548.9
565.4
562.5
566.8
576.5
569.9

1,449.6
1,578.9
1,578.0
1,586.6
1,578.1

5
Loans and leases in bank credit
3,996.8
4,047.9
4,056.1
4,015.6
4,057.6
4,080.1
6
Commercial and industrial
767.6
766.7
760.8
754.9
748.2
748.7
7
Real estate
2,176.4
2,224.1
2,241.3
2,216.3
2,205.8
2,216.4
8
Revolving home equity
249.0
253.4
258.8
265.6
286.0
288.4
9
Other
1,927.5
1,970.8
1,982.5
1,950.7
1,919.8
1,928.0
10
Consumer
602.2
603.4
607.9
603.0
638.0
637.2
11
Security (4)
95.8
95.1
88.3
94.1
89.3
100.4
12
Other loans and leases
354.6
358.5
357.8
347.4
376.4
377.4

(3)
4,023.2

3,797.1
3,946.7
4,049.0
4,071.3
4,065.1

756.2

753.7

2,201.4

2,009.0
2,137.4
2,201.8
2,202.6
2,202.2

273.4

280.9

1,928.0

1,795.7
1,892.7
1,920.9
1,920.7
1,918.1

631.7

635.2

90.9

88.8

343.0

369.5

1,001.6

920.1
1,028.5
1,005.5
1,002.7

576.4

529.5
550.3
581.1
575.4

786.1
763.6
758.8
749.4

213.4
244.8
281.9
284.1

588.0
600.5
634.8
636.9
79.3
93.5

91.6
89.0

334.7
353.5
381.7
387.6

13 Interbank loans
288.3
292.9
273.8
257.3
250.2

293.1

268.7

264.3

297.7
289.5
260.0
276.7

14 Cash assets (5)
281.7
287.5
274.6
245.8
259.9

261.2

272.5

255.9

271.2
270.4
244.7
266.2

15 Other assets (6)
520.8
533.6
527.0
522.7
517.8

523.8

522.3

523.1

478.9
513.9
519.3
524.2

16 TOTAL ASSETS (7)
6,575.2
6,607.3
6,576.9
6,586.8
6,596.9

6,557.6

6,581.4

6,218.8
6,524.3
6,594.3
6,605.9
6,634.0

4,282.2

4,307.6

4,061.9
4,259.9
4,307.3
4,296.0
4,326.4

624.4

621.2

628.5

3,657.8

3,686.4

3,459.8
3,631.9
3,678.8
3,671.8
3,655.9

583.1

579.3

583.7

3,074.7

3,107.1

2,889.9
3,041.5
3,095.1
3,093.8
3,072.4

1,139.7

1,121.2
1,164.2
1,150.1
1,178.7
1,169.2

350.3

340.2

387.1
373.5
339.6
348.2

789.4

809.9

734.1
790.7
839.1
821.0

25 Net due to related foreign offices
229.0
230.3
230.2
258.5
263.7
261.9
266.7

254.1

206.1
208.3
245.2
250.0

26 Other liabilities
309.7
287.2
306.6
325.3
311.3

317.8

303.8

315.6

338.0
333.4
317.7
313.7

27 TOTAL LIABILITIES
6,057.2
6,095.1
6,060.8
6,039.5
6,023.8

5,997.3

6,014.8

5,727.2
5,965.7
6,027.2
6,037.6
6,059.2

L I A B I L I T I E S
17 Deposits
4,295.6
4,347.0
4,328.4
4,313.7
4,315.5
18
Transaction
644.1
644.0
625.0
627.9
616.9
19
Nontransaction
3,651.5
3,703.0
3,703.4
3,685.8
3,698.6
20
Large time
586.3
600.2
604.7
592.2
602.6
21
Other
3,065.2
3,102.8
3,098.8
3,093.6
3,096.1

22 Borrowings
1,222.9
1,230.6
1,195.5
1,138.7
1,138.6
1,130.3
23
From banks in the U.S.
374.4
384.1
369.6
349.4
333.8
330.0
24
From others
848.5
846.5
825.9
789.4
804.8
800.2

28 Residual (assets less liabilities) (8)
518.1
512.2
516.1
560.3
566.6

567.1

602.1
627.9
624.2
670.5

569.9
590.4
578.0
583.5

491.6
558.6
568.3
574.7

547.3

573.1

------------------------------------------------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
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

5,555.6

5,604.8

5,270.7
5,524.9
5,653.8
5,686.0
5,670.2

A S S E T S

1
Bank credit
5,540.2
5,555.2
5,674.7
5,664.8

5,576.9

2
Securities in bank credit
1,456.2
1,572.7
1,546.8
1,513.6
1,519.5
1,536.1
1,573.1
1,585.3
1,592.7
1,581.1
1,589.6
1,580.2
3
Treasury and Agency securities (2)
924.3
1,023.8
994.3
968.2
955.3
971.4
1,004.6
1,006.3
1,010.9
1,004.4
1,005.2
999.8
4
Other securities
531.9
548.9
552.5
545.5
564.2
564.6
568.6
579.1
581.9
576.6
584.5
580.4
5
Loans and leases in bank credit
3,993.4
4,041.5
4,057.4
4,019.5
4,085.0
4,084.6
6
Commercial and industrial
769.7
764.1
759.2
755.1
748.6
744.5
7
Real estate
2,174.9
2,224.2
2,243.2
2,218.2
2,210.2
2,215.5
8
Revolving home equity
249.0
253.5
259.6
266.2
285.1
286.9

(3)
4,031.6

3,814.5
3,952.2
4,068.5
4,093.2
4,089.1

754.8

751.1

2,206.3

2,013.6
2,138.7
2,206.5
2,206.4
2,205.8

273.2

280.2

783.3
768.2
755.4
748.0

212.9
245.6
281.3
283.5

9
1,925.8
1,925.1
10
596.6
650.5
10a
224.5
270.3
10d
372.1
380.1
11
94.5
90.1
12
357.8
385.6

Other
1,970.7
1,983.7
1,952.0
1,933.1
1,928.5
Consumer
599.7
606.0
602.1
633.4
646.1
Credit card and related plans
224.4
227.0
221.9
253.7
264.8
Other
375.3
379.0
380.2
379.7
381.3
Security (4)
93.9
89.6
96.6
93.4
99.2
Other loans and leases
359.6
359.4
347.5
343.8
379.3

1,800.7
1,893.1
1,926.3
1,925.1
1,922.3
644.3

596.9
597.1
643.4
650.4

265.4

238.6
227.7
265.0
272.1

378.9

358.3
369.4
378.3
378.3

93.1

83.4
101.7

92.7
93.9

373.5

337.3
355.6
386.3
391.0

13 Interbank loans
283.8
287.0
267.0
264.4
255.3

286.0

273.3

270.7

304.8
290.7
271.5
273.4

14 Cash assets (5)
274.0
273.1
271.2
297.0
273.7

263.3

279.7

273.4

290.0
264.0
263.8
275.0

15 Other assets (6)
520.2
530.5
531.0
534.1
524.7

524.2

526.1

527.2

482.8
509.9
522.8
526.2

16 TOTAL ASSETS (7)
6,543.6
6,570.2
6,570.7
6,694.6
6,644.1

6,555.2

6,609.4

6,272.4
6,514.4
6,649.2
6,668.0
6,668.6

4,278.0

4,323.0

4,101.8
4,250.8
4,347.9
4,340.0
4,345.2

621.3

628.5

661.3

3,656.7

3,694.4

3,467.7
3,627.9
3,686.6
3,684.6
3,645.7

584.5

583.3

586.6

3,072.2

3,111.1

2,895.0
3,037.9
3,100.0
3,102.5
3,061.0

1,141.8

1,120.3
1,163.2
1,149.1
1,183.5
1,169.2

347.5

341.8

L I A B I L I T I E S
17 Deposits
4,276.0
4,312.5
4,308.6
4,388.0
4,353.5
18
Transaction
635.5
628.0
619.4
705.6
643.5
19
Nontransaction
3,640.4
3,684.6
3,689.2
3,682.5
3,710.0
20
Large time
584.7
598.8
602.1
592.1
604.8
21
Other
3,055.7
3,085.7
3,087.1
3,090.3
3,105.2

22 Borrowings
1,215.9
1,210.6
1,193.7
1,141.8
1,141.2
1,136.2
23
From banks in the U.S.
371.1
379.6
362.9
348.0

634.1
622.9
655.4
699.6

572.7
590.0
582.0
584.6

388.8
371.6
342.9
350.4

336.9
24
844.8
804.4

334.1
From others
831.0
830.8
802.1

794.4

807.2

731.5
791.6
840.5
818.7

25 Net due to related foreign offices
222.9
230.0
231.3
263.2
270.8
265.7
265.7

259.4

210.4
207.3
249.8
255.9

26 Other liabilities
303.4
286.7
307.9
329.4
310.4

322.3

310.2

320.9

343.8
332.0
322.6
319.8

27 TOTAL LIABILITIES
6,018.1
6,039.9
6,041.5
6,124.4
6,065.8

6,005.4

6,045.8

5,776.4
5,953.3
6,077.2
6,095.9
6,090.0

793.8

28 Residual (assets less liabilities) (8)
525.5
530.3
529.3
549.8
563.6
570.2
578.2

571.9

496.0
561.1
572.2
578.5

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

H.8 (510)
Page 5
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

3,054.5

3,069.7

2,910.9
3,080.8
3,080.5
3,110.8
3,088.7

A S S E T S

1
Bank credit
3,087.0
3,073.7
3,076.0
3,076.5

3,080.3

2
863.4
856.9
3
508.4
490.3
3a
38.5
38.0
3b
469.9
452.3
4
355.0
366.6
4a
172.6
187.0
4b
182.4
179.7
4c
32.3
31.8
4d
150.1
147.8

Securities in bank credit
817.5
820.4
833.0
857.7
841.7
Treasury and Agency securities (2)
473.1
460.5
477.4
499.0
480.8
Trading account
34.7
38.1
33.8
40.4
36.1
Investment account
438.4
422.4
443.6
458.6
444.7
Other securities
344.3
360.0
355.7
358.8
360.9
Trading account
162.2
178.3
180.8
182.6
181.8
Investment account
182.1
181.7
174.9
176.1
179.1
State and local government
31.4
31.5
31.5
31.7
31.3
Other
150.7
150.3
143.4
144.4
147.8

5
Loans and leases in bank credit (3)
2,223.6
2,256.3
2,259.8
2,221.5
2,212.0
2,219.1
2,234.7
6
Commercial and industrial
468.3
463.0
454.7
448.8
446.7
434.3
433.9
7
Real estate
1,100.6
1,134.2
1,150.0
1,125.0
1,106.0
1,101.6
1,105.5
8
Revolving home equity
163.6
167.4
171.9
177.2
182.9
192.3
193.5
9
Other
937.0
966.8
978.1
947.9
923.1
909.3
912.0
10
Consumer
317.6
318.7
321.1
318.5
335.4
327.2
327.1
11
Security (4)
86.9
86.3
79.9
85.7
82.9
81.6
92.5
11a
Fed funds and RPs with broker/dealer
69.0
67.1
62.3
67.6
65.2
63.2
74.0
11b
Other
17.9
19.2
17.6
18.2
17.7
18.5
18.5
12a
State and local government
13.1
13.4
13.6
13.8
14.0
14.1
14.0

860.5

784.3
887.7
867.7
858.1

493.4

462.4
542.2
496.2
493.3

39.4

44.6
43.6

39.9
35.4

454.0

417.8
502.3
452.5
457.9

367.2

321.9
345.5
371.5
364.8

188.5

164.9
187.1
192.2
185.7

178.7

157.0
158.4
179.2
179.1

31.7
147.0

29.5
31.7

32.2
31.8

127.5
126.2
147.5
147.3

2,126.6
2,193.1
2,220.0
2,243.2
2,230.6
443.5

495.3
465.8
450.5
438.5

1,002.0
1,076.5
1,098.7
1,098.0
1,096.9
188.1

139.8
159.9
189.0
190.9

910.6

862.1
916.6
908.9
905.9

329.7

323.7
319.4
330.3
330.1

81.0

72.2
85.4

82.5
81.0

62.7

61.8
67.9

64.4
61.5

18.3

10.4
17.5

18.1
19.5

14.0

12.0
13.9

12.8
14.0

12b
7.7
7.9
12c
26.0
30.6
12d
93.8
120.7
12e
109.6
101.1

Agricultural
7.9
7.9
7.9
7.8
7.6
Fed funds and RPs with others
24.8
27.2
25.3
25.3
26.2
All other loans
98.9
96.6
89.1
87.5
127.3
Lease financing receivables
109.1
109.0
107.3
106.3
100.6

13 Interbank loans
175.6
184.7
170.3
187.5
165.8
154.5
13a
Fed funds and RPs with banks
103.6
104.8
101.1
108.3
88.9
76.0
13b
Other
72.0
80.0
69.2
79.3
76.9
78.4

8.7
7.9

7.8
7.8

28.6

24.8
28.0

27.9
29.5

112.3

74.9
123.8

89.9
127.7

7.8

104.5

113.0
110.4
105.3
105.3

169.7

168.1

199.6
171.6
160.7
178.8

93.0

89.8

103.3

76.8

78.2

103.7
81.1
96.8

96.3
79.5

67.9
82.0

14 Cash assets (5)
147.5
152.1
144.6
128.5
130.3

133.4

144.9

133.0

155.4
138.6
124.2
141.6

15 Other assets (6)
369.5
374.6
365.0
352.1
353.6

364.6

359.1

355.5

340.6
363.5
353.5
357.4

16 TOTAL ASSETS (7)
3,735.6
3,740.7
3,716.0
3,678.8
3,672.4

3,696.6

3,700.1

3,562.2
3,710.0
3,693.1
3,705.2
3,722.5

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

H.8 (510)
Page 6
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars (continued)
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

--------

--------

2003

2003

Oct

Nov

Dec

--------

--------

--------

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31
-------- ---------------------------

-------

------L I A B I L I T I E S

17 Deposits
2,122.9
2,157.6
2,143.0
2,128.4
2,125.1
18
Transaction
309.9
306.8
293.5
286.2
261.6
19
Nontransaction
1,812.9
1,850.9
1,849.5
1,842.3
1,863.5
20
Large time
270.0
284.4
287.6
265.2
275.5
21
Other
1,542.9
1,566.4
1,562.0
1,577.0
1,588.0

2,105.9

2,122.3

2,013.6
2,105.0
2,127.3
2,121.4
2,147.6

290.5

290.0

293.9

1,815.3

1,832.2

1,719.1
1,802.0
1,833.4
1,826.3
1,823.5

267.6

261.1

261.9

1,547.7

1,571.1

1,455.3
1,529.9
1,571.6
1,567.2
1,560.7

700.7

704.9

748.9
754.1
736.0
713.7

188.3

174.7

256.1
218.4
175.9
175.9

512.4

530.2

492.8
535.7
560.2
537.8

25 Net due to related foreign offices
217.2
218.3
216.2
245.0
249.1
242.0
246.8

233.6

193.7
196.3
220.3
227.7

26 Other liabilities
232.1
212.3
234.6
249.5
236.0

245.9

230.4

239.9

277.0
254.4
241.7
237.3

27 TOTAL LIABILITIES
3,374.4
3,381.9
3,351.3
3,307.1
3,292.1

3,299.2

3,302.5

3,233.2
3,309.8
3,305.7
3,319.5
3,326.4

22 Borrowings
802.2
793.7
757.5
702.4
687.1
684.2
23
From banks in the U.S.
215.5
215.1
206.3
191.4
167.9
165.3
24
From others
586.6
578.6
551.2
511.0
519.3
518.9

28 Residual (assets less liabilities) (8)
361.2
358.8
364.8
397.4
397.6
371.7
380.3

387.4

294.5
303.0
295.2
324.1

263.7
272.2
259.1
262.8

328.9
400.2
385.7
396.1

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

H.8 (510)
Page 7
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)

Not seasonally adjusted, adjusted for mergers, billions of dollars
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

3,054.3

3,078.7

2,923.3
3,082.5
3,095.9
3,129.5
3,097.5

A S S E T S

1
Bank credit
3,073.3
3,063.2
3,099.5
3,095.7
2
849.8
864.9
3
502.1
490.4
3a
38.0
38.0
3b
464.1
452.3
3c
368.3
346.3
3d
95.8
106.0
3e
24.2
26.2
3f
51.4
57.7
3g
20.2
22.2
4
347.6
374.6
4a
169.0
191.0
4b
178.6
183.5

3,078.1

Securities in bank credit
811.8
819.0
833.2
862.6
856.9
Treasury and Agency securities (2)
470.9
460.2
475.4
502.1
485.4
Trading account
34.6
38.1
33.7
40.7
36.5
Investment account
436.4
422.1
441.7
461.5
449.0
Mortgage-backed
339.4
324.5
339.4
355.1
343.5
Other
96.9
97.6
102.3
106.4
105.5
1 year or less
24.5
24.0
24.8
25.3
26.6
Between 1 and 5 years
52.7
53.1
56.8
58.1
56.9
More than 5 years
19.8
20.5
20.7
23.0
22.0
Other securities
340.9
358.8
357.8
360.5
371.5
Trading account
160.6
177.7
181.9
183.5
187.1
Investment account
180.3
181.1
175.9
177.0
184.4

866.2

789.4
881.9
872.8
857.5

496.3

465.1
537.9
500.6
491.4

39.6

44.9
44.0

39.6
35.3

456.7

420.2
498.3
456.6
456.1

350.5

322.6
393.9
350.5
350.2

106.1

97.6
104.3
106.1
105.9

25.9

24.2
25.9

24.4
25.9

57.7

56.8
57.8

57.6
57.7

22.6

16.5
22.4

22.4
22.3

369.9

324.3
344.0
372.2
366.0

189.9

166.1
186.3
192.6
186.3

180.0

158.1
157.7
179.6
179.7

4c
31.6
32.5
4d
147.0
151.1

31.1
32.2

State and local government
31.4
31.7
31.8

Other
149.2
149.8
152.1

144.2

145.1

31.9
148.0

29.7
31.8

32.1
31.9

128.4
125.7
147.8
147.8

5
Loans and leases in bank credit (3)
2,134.0
2,200.5
2,223.6
2,251.4
2,259.1
2,221.1
2,216.1
2,229.7
2,256.7
2,240.0
2,234.6
2,238.9
6
Commercial and industrial
492.8
468.1
469.5
461.6
454.8
449.3
446.9
441.1
447.8
436.2
433.9
430.7
7
Real estate
1,003.3
1,079.0
1,100.7
1,135.0
1,151.4
1,125.8
1,109.0
1,099.8
1,099.5
1,095.0
1,101.0
1,105.4
8
Revolving home equity
139.0
160.8
164.1
167.9
172.4
177.5
182.5
186.9
188.1
189.5
190.8
192.1
9a
Other residential
539.2
595.3
616.8
647.3
658.6
627.6
604.7
593.0
590.8
585.6
592.2
595.7
9b
Commercial
325.1
322.8
319.7
319.8
320.4
320.7
321.7
319.9
320.6
319.8
318.0
317.6
10
Consumer
326.1
319.6
315.7
316.1
317.4
314.5
333.7
332.9
332.8
334.9
334.2
333.3
10a
Credit card and related plans
117.5
105.0
100.1
99.8
99.3
95.2
116.3
118.8
119.2
121.6
119.8
118.2
10f
Other
208.6
214.5
215.6
216.3
218.1
219.3
217.4
214.1
213.6
213.3
214.4
215.2
11
Security (4)
76.1
83.7
85.7
85.1
81.3
88.3
85.2
85.1
93.5
86.1
82.6
91.3
11a
Fed funds and RPs with broker/dealer
65.1
65.3
68.1
66.2
63.4
69.6
67.0
65.9
74.4
65.4
63.9
73.1
11b
Other
10.9
18.3
17.7
18.9
17.9
18.7
18.2
19.2
19.1
20.7
18.7
18.2
12a
State and local government
12.0
12.8
13.1
13.4
13.6
13.8
14.0
14.0
13.9
14.0
14.1
14.0
12b
Agricultural
8.7
7.9
7.8
7.9
7.9
7.8
7.8
7.8
7.8
7.7
8.1
7.7
12c
Fed funds and RPs with others
24.8
27.9
26.0
24.8
27.2
25.3
25.3
28.6
28.0
29.5
30.6
26.2
12d
All other loans
77.0
91.5
96.0
99.2
98.1
89.4
88.5
115.7
128.2
131.1
127.6
127.8
12e
Lease financing receivables
113.2
110.0
109.1
108.1
107.5
106.8
105.8
104.8
105.2
105.6
102.5
102.5

13 Interbank loans
175.7
179.6
164.9
181.6
175.1
157.8
13a
Fed funds and RPs with banks
103.7
102.0
97.9
104.9
93.9
77.7
13b
Other
72.0
77.6
66.9
76.7
81.2
80.1

171.1

172.2

93.7

91.9

204.1
175.9
168.7
178.2
105.5

77.4

80.2

106.2
85.1
96.5

98.6
83.5

69.6
81.7

14 Cash assets (5)
142.0
142.4
141.8
158.6
137.4

135.0

147.9

143.5

166.7
134.6
136.6
147.5

15 Other assets (6)
368.8
371.6
369.1
363.4
360.6

364.9

363.0

359.6

344.4
359.5
357.0
359.3

16 TOTAL ASSETS (7)
3,716.1
3,712.1
3,709.6
3,753.5
3,709.2

3,693.0

3,717.6

3,594.4
3,707.6
3,727.2
3,747.5
3,738.6

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

H.8 (510)
Page 8
ASSETS AND LIABILITIES OF LARGE DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars (continued)
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

2,103.6

2,129.3

2,030.1
2,105.5
2,143.6
2,141.3
2,148.2

287.6

293.8

314.5

1,816.0

1,835.5

1,715.2
1,805.3
1,829.1
1,824.9
1,805.3

L I A B I L I T I E S
17 Deposits
2,116.9
2,141.2
2,134.5
2,167.2
2,140.8
18
Transaction
304.0
294.6
288.7
334.6
274.1
19
Nontransaction
1,812.9
1,846.6
1,845.8
1,832.7
1,866.7
20
Large time

314.9
300.2
316.5
342.9

266.6

271.8

268.4
265.1
21
1,544.4
1,567.5

283.0
277.7
Other
1,563.6
1,588.9

285.0

269.1

265.1

264.7

1,560.8

1,546.9

1,570.4

1,448.6
1,533.5
1,564.4
1,561.8
1,541.4

702.8

703.8

748.0
753.2
740.8
713.7

185.4

176.4

257.9
216.6
179.2
178.2

517.4

527.5

490.2
536.6
561.6
535.6

25 Net due to related foreign offices
211.1
218.0
217.3
249.7
256.1
245.8
245.8

238.8

198.1
195.3
224.9
233.6

26 Other liabilities
225.8
211.8
235.8
253.5
235.1

250.4

236.9

245.1

282.8
253.0
246.6
243.4

27 TOTAL LIABILITIES
3,349.0
3,344.7
3,343.3
3,356.4
3,311.8

3,309.1

3,325.0

3,259.0
3,306.9
3,331.3
3,353.7
3,338.9

22 Borrowings
795.1
773.7
755.7
705.4
689.8
690.1
23
From banks in the U.S.
212.2
210.6
199.6
190.0
170.9
169.4
24
From others
583.0
563.1
556.1
515.5
518.8
520.8

28 Residual (assets less liabilities) (8)
367.1
367.4
366.3
383.9
392.5
397.1
397.4

395.9

263.1

263.9

335.4
400.7
393.9
399.6

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

H.8 (510)
Page 9
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Seasonally adjusted, adjusted for mergers, billions of dollars
January 16, 2004

Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

2,499.4

2,523.0

2,335.9
2,444.8
2,546.5
2,547.0
2,554.5

A S S E T S

1
Bank credit
2,472.0
2,495.2
2,560.8
2,567.2
2
698.9
722.3
3
494.0
512.4
4
204.9
209.9

2,496.6

Securities in bank credit
703.6
700.4
705.3
711.8
721.9
Treasury and Agency securities (2)
499.0
495.0
498.4
503.7
512.9
Other securities
204.6
205.4
206.9
208.1
208.9

717.5

665.3
691.2
718.9
720.0

508.3

457.7
486.4
509.3
509.4

209.2

207.7
204.8
209.6
210.6

5
Loans and leases in bank credit (3)
1,670.5
1,753.6
1,773.2
1,791.6
1,796.3
1,794.1
1,811.2
1,829.0
1,828.1
1,834.4
1,838.5
1,845.4
6
Commercial and industrial
290.7
297.8
299.3
303.7
306.1
306.1
309.5
310.2
308.2
310.9
313.9
314.8
7
Real estate
1,007.1
1,060.9
1,075.9
1,090.0
1,091.3
1,091.3
1,095.4
1,103.2
1,104.6
1,105.3
1,104.2
1,110.9
8
Revolving home equity
73.5
84.9
85.4
86.0
86.9
88.5
90.5
92.9
92.8
93.2
93.7
94.9
9
Other
933.5
976.0
990.5
1,004.0
1,004.4
1,002.9
1,004.9
1,010.3
1,011.7
1,012.1
1,010.5
1,016.0
10
Consumer
264.3
281.1
284.6
284.7
286.8
284.4
296.3
305.5
304.5
306.8
310.7
310.1
11
Security (4)
7.2
9.1
8.9
8.8
8.4
8.3
8.0
7.9
8.1
8.0
7.6
7.9
12
Other loans and leases
101.2
104.7
104.5
104.4
103.6
104.0
102.1
102.3
102.8
103.4
102.0
101.7
13 Interbank loans
112.7
108.1
103.5
91.5
95.8
14

Cash assets (5)

105.5

99.0

96.2

98.1

115.9

117.8
99.3
97.8
131.7

134.2
117.3

135.4
129.5

129.9

127.8

127.6

122.9

120.5

124.6

15 Other assets (6)
151.3
159.0
162.0
170.6
164.1

159.3

163.2

167.6

16 TOTAL ASSETS (7)
2,839.7
2,866.6
2,860.9
2,907.9
2,924.5

2,861.0

2,881.3

2,656.6
2,814.4
2,901.2
2,900.7
2,911.5

2,176.3

2,185.4

2,048.3
2,154.9
2,180.0
2,174.6
2,178.8

333.9

331.2

334.6

1,842.4

1,854.2

1,740.7
1,829.9
1,845.4
1,845.5
1,832.4

315.5

318.2

321.9

1,527.0

1,536.0

1,434.6
1,511.7
1,523.5
1,526.6
1,511.7

439.0

445.2

372.3
410.1
442.7
455.4

162.1

165.5

131.0
155.1
163.7
172.3

277.0

279.7

241.3
255.0
279.0
283.2

138.4
150.4
165.8
166.9

L I A B I L I T I E S
17 Deposits
2,172.8
2,189.4
2,185.5
2,185.2
2,190.5
18
Transaction
334.2
337.2
331.5
341.7
355.3
19
Nontransaction
1,838.6
1,852.1
1,853.9
1,843.5
1,835.1
20
Large time
316.3
315.8
317.1
327.0
327.1
21
Other
1,522.3
1,536.3
1,536.8
1,516.5
1,508.1

22 Borrowings
420.8
436.9
438.0
436.4
451.5
446.1
23
From banks in the U.S.
158.9
169.0
163.3
158.0
165.9
164.7
24
From others
261.9
267.9
274.7
278.4
285.6
281.3

307.6
325.0
329.1
346.4

306.1
318.2
319.0
320.7

25
11.8
19.9

Net due to related foreign offices
12.0
14.1
13.5
14.6
19.9

20.6

12.4
24.9

12.0
22.2

26
77.5
75.8

Other liabilities
74.9
72.0
75.3

61.0
76.0

79.0
76.4

27 TOTAL LIABILITIES
2,682.8
2,713.2
2,709.5
2,732.4
2,731.7

71.9

73.3

75.8

2,698.2

2,712.3

2,493.9
2,655.9
2,721.5
2,718.1
2,732.9

28 Residual (assets less liabilities) (8)
156.8
153.4
151.3
162.8
169.0
175.5
192.8

179.7

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

162.7
158.4
182.6
178.6

Footnotes appear on page 14.

H.8 (510)
Page 10
ASSETS AND LIABILITIES OF SMALL DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE
UNITED STATES (1)
Not seasonally adjusted, adjusted for mergers, billions of dollars
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

2,501.3

2,526.1

2,347.4
2,442.4
2,557.9
2,556.5
2,572.8

A S S E T S

1
Bank credit
2,466.9
2,492.0
2,575.1
2,569.1
2
697.0
724.7
3
492.2
514.8
4
204.9
209.9

2,498.8

Securities in bank credit
701.8
700.5
702.9
710.5
723.3
Treasury and Agency securities (2)
497.2
495.1
496.0
502.5
514.4
Other securities
204.6
205.4
206.9
208.1
208.9

719.2

666.9
690.8
719.9
723.6

510.0

459.2
485.9
510.3
513.0

209.2

207.7
204.8
209.6
210.6

5
Loans and leases in bank credit (3)
1,680.5
1,751.6
1,769.8
1,790.2
1,798.3
1,798.4
1,815.6
1,838.8
1,836.6
1,849.1
1,850.4
1,845.8
6
Commercial and industrial
290.6
300.0
300.2
302.5
304.4
305.8
307.9
310.0
307.7
311.8
314.7
313.9
7
Real estate
1,010.3
1,059.7
1,074.2
1,089.2
1,091.9
1,092.4
1,097.4
1,106.7
1,106.9
1,110.8
1,109.2
1,110.1
8
Revolving home equity
74.0
84.8
84.9
85.6
87.2
88.7
90.7
93.3
93.2
94.0
94.3
94.8
9
Other
936.4
975.0
989.3
1,003.6
1,004.7
1,003.7
1,006.7
1,013.4
1,013.7
1,016.8
1,014.9
1,015.3
10
Consumer
270.7
277.5
280.9
283.5
288.6
287.6
299.7
311.4
310.6
315.5

316.3
10a
124.4
150.6
10h
156.4
165.7
11
8.8
7.5
12
105.8
102.7

312.8
Credit card and related plans
124.6
127.6
126.7
137.4
146.7
Other
158.9
160.9
160.9
162.3
166.1
Security (4)
8.8
8.3
8.3
8.2
7.9
Other loans and leases
106.2
105.2
104.3
102.4
101.1

146.6

121.0
122.6
145.8
150.5

164.8

149.7
154.9
164.7
165.0

8.0

7.3
8.3

9.0
7.9

102.7

101.6
105.3
103.2
103.1

13 Interbank loans
108.1
107.5
102.1
89.3
97.5

104.3

102.1

98.5

100.7
114.9
102.8
95.2

14 Cash assets (5)
131.9
130.7
129.4
138.4
136.3

128.3

131.8

129.9

123.2
129.5
127.2
127.5

15 Other assets (6)
151.3
159.0
162.0
170.6
164.1

159.3

163.2

167.6

138.4
150.4
165.8
166.9

16 TOTAL ASSETS (7)
2,827.6
2,858.1
2,861.1
2,941.1
2,934.9

2,862.2

2,891.8

2,678.0
2,806.8
2,921.9
2,920.5
2,930.0

2,174.4

2,193.7

2,071.8
2,145.3
2,204.3
2,198.6
2,197.0

333.7

334.8

346.9

1,840.8

1,858.9

1,752.5
1,822.6
1,857.5
1,859.7
1,840.4

315.5

318.2

321.9

1,525.3

1,540.7

1,446.4
1,504.4
1,535.6
1,540.7
1,519.7

439.0

445.2

372.3
410.1
442.7
455.4

162.1

165.5

131.0
155.1
163.7
172.3

277.0

279.7

241.3
255.0
279.0
283.2

L I A B I L I T I E S
17 Deposits
2,159.1
2,171.3
2,174.1
2,220.8
2,212.7
18
Transaction
331.5
333.4
330.7
371.0
369.4
19
Nontransaction
1,827.6
1,837.9
1,843.4
1,849.8
1,843.3
20
Large time
316.3
315.8
317.1
327.0
327.1
21
Other
1,511.3
1,522.1
1,526.3
1,522.8
1,516.3

22 Borrowings
420.8
436.9
438.0
436.4
451.5
446.1
23
From banks in the U.S.
158.9
169.0
163.3
158.0
165.9
164.7
24
From others
261.9
267.9
274.7
278.4
285.6
281.3

319.2
322.7
338.9
356.7

306.1
318.2
319.0
320.7

25
11.8
19.9

Net due to related foreign offices
12.0
14.1
13.5
14.6
19.9

20.6

12.4
24.9

12.0
22.2

26
77.5
75.8

Other liabilities
74.9
72.0
75.3

61.0
76.0

79.0
76.4

27 TOTAL LIABILITIES
2,669.1
2,695.2
2,698.2
2,768.0
2,754.0

71.9

73.3

75.8

2,696.3

2,720.7

2,517.4
2,646.4
2,745.9
2,742.2
2,751.1

28 Residual (assets less liabilities) (8)
158.4
162.9
162.9
165.9
171.1
173.1
180.9

176.0

160.6
160.4
178.3
178.9

------------------------------------------------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
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

624.1

625.3

620.3

642.7
671.0
630.6
626.1

272.9

268.8
289.4
272.9
271.0

A S S E T S

1
Bank credit
642.0
621.7
604.6
625.7
2
266.3
269.7
3
114.2
94.9
4
152.1

621.3

Securities in bank credit
264.6
268.9
271.3
269.8
272.3
Treasury and Agency securities (2)
107.5
109.0
105.1
98.6
95.4
Other securities
157.1
159.9
166.2
171.2

99.1
173.8

108.0

123.6
98.1
98.7

160.8
165.8
174.8
172.3

174.8
5
375.7
334.9
6
156.0
144.3
7
19.1
13.0
11
115.5
96.6
12
85.1
80.9

177.0
Loans and leases in bank credit
357.1
352.4
352.8
353.4
Commercial and industrial
150.4
146.4
142.0
146.9
Real estate
18.1
18.2
21.8
12.9
Security (4)
108.6
110.8
112.6
107.9
Other loans and leases
79.9
76.9
76.3
85.7

(3)
355.5

347.4

373.9
381.6
357.7
355.1

137.1

144.4

177.9
160.8
151.0
148.7

21.3

15.5

121.5

107.8

75.7

79.7

67.0
85.5

83.0
83.0

19.5
14.2

19.5
13.1

109.4
118.3
107.0
110.3

13
33.2
20.8

Interbank loans
32.5
30.8
28.4

29.4

29.7

25.1

30.1
24.7

30.7
26.7

14
54.5
46.5

Cash assets (5)
55.7
55.4
50.7

52.5

50.5

49.7

43.8
50.5

54.3
49.8

15
35.1
40.8

Other assets (6)
41.9
38.9
42.1

41.1

39.1

39.6

30.1
38.9

36.7
35.5

746.6

744.2

734.2

746.3
792.3
744.4
737.6

440.2

436.6

436.3

424.6
442.6
441.1
433.1

14.8

15.5

15.4

425.5

421.1

420.9

415.4
431.2
425.6
417.3

295.3

307.0

283.0
314.6
312.8
318.1

32.2

40.6

263.2

266.5

253.0
279.9
268.6
274.1

25 Net due to related foreign offices
-86.2
-103.8
-99.8
-94.1
-88.4

-109.9

-59.8
-82.0
-105.1
-116.8

16 TOTAL ASSETS (7)
764.4
751.4
746.0
712.3
746.4

L I A B I L I T I E S
17 Deposits
453.8
456.5
452.9
430.3
447.5
18
Transaction
12.4
14.5
15.1
15.1
15.9
19
Nontransaction
441.5
442.0
437.8
415.2
431.6

22 Borrowings
291.1
290.3
290.7
301.6
305.4
311.5
23
From banks in the U.S.
36.8
34.1
33.9
36.0
38.7
37.0
24
From others
254.3
256.2
256.9
265.6
266.7
274.5

9.2
15.5

30.0
44.2

11.4
15.8

34.7
43.9

-122.0

-118.9

26 Other liabilities
109.1
116.1
110.3
93.5
98.6

110.9

107.3

100.4

113.7
99.2
94.8

27 TOTAL LIABILITIES
767.8
759.1
754.1
707.2
738.7

758.6

750.9

733.9

744.8
788.8
748.1
729.2

28
-3.5
5.1

97.0

Residual (assets less liabilities) (8)
-7.6
-8.1
-12.0
-6.7
7.7

0.3

1.5
-3.7

3.5
8.4

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

H.8 (510)
Page 12
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Not seasonally adjusted, billions of dollars
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31

2003

2003

Oct

Nov

Dec

--------

--------

--------

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

623.6

628.9

630.4

652.7
667.6
641.8
634.6

272.9

268.8
289.4
272.9
271.0

A S S E T S

1
Bank credit
634.7
615.3
619.8
631.7
2
266.3
269.7
3
114.2
94.9
3a
39.9
31.8
3b
74.3

617.2

Securities in bank credit (2)
264.6
268.9
271.3
269.8
272.3
Treasury and Agency securities
107.5
109.0
105.1
98.6
95.4
Trading account
38.8
39.8
38.6
32.8
31.3
Investment account
68.7
69.2
66.5
65.9

108.0
99.1

123.6
98.1
98.7

34.9

30.6
34.2

42.5
35.3

64.2

77.4
63.9

81.1
63.4

63.1
4
152.1
174.8
4a
98.0
103.5
4b
54.1
71.4
5
368.4
350.0
6
155.1
146.7
7
19.1
13.0
11
110.8
105.5
12
83.3
84.8

64.0
Other securities
157.1
159.9
166.2
177.0
Trading account
102.4
105.6
104.8
104.8
Investment account
54.7
54.3
61.4
72.1

171.2

173.8

160.8
165.8
174.8
172.3
101.4
107.8
104.3
102.4

105.0

104.8

66.2

69.0

(3)
359.1

357.5

383.9
378.2
368.9
363.6

138.1

145.6

179.4
160.3
152.0
150.6

21.3

15.5

123.9

114.3

75.8

82.2

69.0
87.6

82.6
86.1

Loans and leases in bank credit
350.7
348.3
352.3
359.4
Commercial and industrial
149.3
146.3
142.1
147.7
Real estate
18.1
18.2
21.8
12.9
Security (4)
104.7
107.4
112.7
111.2
Other loans and leases
78.6
76.3
75.7
87.6

59.4
70.6

19.5
14.2

58.0
69.9

19.5
13.1

116.0
115.9
115.1
113.8

13
33.2
20.8

Interbank loans
32.5
30.8
28.4

29.4

29.7

25.1

30.1
24.7

30.7
26.7

14
51.6
50.7

Cash assets (5)
53.4
55.0
54.5

53.7

53.4

53.2

47.0
54.1

51.8
53.8

15
33.9
41.6

Other assets (6)
41.3
38.9
43.6

40.5

38.9

40.8

31.0
40.3

35.3
36.5

746.8

750.5

749.0

760.3
784.9
760.4
751.0

429.0

437.0

447.9

435.4
440.8
451.2
449.1

15.1

16.0

16.7

413.9

420.9

431.1

425.4
429.7
434.1
431.8

301.6

295.3

307.0

283.0
314.6
312.8
318.1

16 TOTAL ASSETS (7)
752.9
742.1
741.6
732.4
757.8

L I A B I L I T I E S
17 Deposits
444.1
441.0
436.5
446.3
462.3
18
Transaction
12.3
14.1
15.4
16.9
16.7
19
Nontransaction
431.8
426.9
421.1
429.4
445.6
22 Borrowings
291.1
290.3
305.4
311.5

290.7

10.0
17.1

11.0
17.3

23
36.8
38.7
24
254.3
266.7

From banks in the U.S.
34.1
33.9
36.0
37.0
From others
256.2
256.9
265.6
274.5

30.0
44.2

34.7
43.9

32.2

40.6

263.2

266.5

253.0
279.9
268.6
274.1

25 Net due to related foreign offices
-89.5
-105.1
-98.5
-95.2
-89.5
-117.8
-117.3

-108.7

-58.1
-83.9
-104.6
-114.3

26 Other liabilities
106.4
114.9
111.4
97.2
100.0

109.9

106.4

101.5

27 TOTAL LIABILITIES
752.2
741.0
740.1
731.0
756.4

745.3

749.2

747.7

28
0.7
1.3

Residual (assets less liabilities) (8)
1.1
1.4
1.5
1.3
1.3

1.3

98.1

112.1
99.7
96.9

758.4
783.6
759.1
749.7
1.9
1.3

1.3
1.3

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

H.8 (510)
Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars
January 16, 2004
Account
2003

2003

2003

Aug
Jan 7

Sep

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

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

2002

2003

2003

Oct

Nov

Dec

--------

--------

--------

2003
2003
Week ending
Dec
Jun
Jul
Dec 17
Dec 24
Dec 31
-------- ---------------------------

LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers
29 Reval. gains on off-bal. sheet items (9)
107.9
93.1
112.4
114.0
112.3
122.9
121.2
30

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

120.1

112.5
129.8
120.8
117.2
93.8

110.1

85.4
106.9

79.4
106.6

96.0

97.2

31 Mortgage-backed securities (10)
416.7
391.5
377.0
391.8
404.9
401.0
31a
Pass-through
304.1
276.4
264.8
280.8
285.6
282.5
31b
CMO, REMIC, and other
112.7
115.1
112.2
111.0
119.4
118.5
32

94.4

368.8
441.0
406.8
405.7

294.1

289.9

268.3
327.5
290.9
289.5

115.1

117.1

100.5
113.5
115.9
116.2

33
15.5
13.1

Offshore credit to U.S. residents (12)
14.7
14.3
13.8
13.5
13.1

Securitized business loans (13)
7.2
7.9
8.0
7.2

101.6

407.0

6.5
5.1

35
8.4
7.2

104.9

409.2

Net unrealized gains (losses) on
available-for-sale securities (11)
1.1
4.8
2.2
1.9
4.6

34 Securitized consumer loans (13)
160.5
161.4
160.7
162.9
167.6
166.8
34a
Credit card and related plans
144.0
144.5
144.3
146.8
150.3
149.6
34b
Other
16.5
16.9
16.4
16.2
17.3
17.2

103.8

3.2

10.3
3.6

12.7
3.2

13.3

18.7
14.1

16.6
12.9

164.2

165.2

150.5
158.0
164.5
164.9

147.5

148.0

133.2
140.6
147.0
147.5

16.8

17.1

17.3
17.5

7.5

7.2

11.1
7.2

17.4
17.4
9.9
7.2

SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers
31 Mortgage-backed securities (10)
327.9
326.8
325.3
324.1
340.4
339.3
34 Securitized consumer loans (13)
200.6
201.9
203.0
204.7
204.3
206.6
34a
Credit card and related plans
193.0
194.3
195.5
197.2
196.4
198.5
34b
Other
7.6
7.6
7.6
7.5
7.8
8.1

330.0

337.5

305.5
332.1
337.6
338.7

203.1

203.7

200.9
204.0
203.0
204.1

195.3

195.8

192.5
196.3
195.1
196.2

7.8

7.8

8.3
7.9

7.7
7.9

64.0
64.5

72.6
64.0

FOREIGN-RELATED INSTITUTIONS
29
65.5

Reval. gains on off-bal. sheet items (9)
66.2
68.2
69.1
65.4

65.5

64.5

65.9

30
64.9
66.1

Reval. losses on off-bal. sheet items (9)
64.7
66.6
67.7
66.2
67.8

66.7

35
1.5
1.1

Securitized business loans (13)
1.4
1.2
1.3
1.1

1.2

1.3

60.1
65.4

72.6
64.9

6.8
1.3

2.5
1.2

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

H.8 (510)
Page 14

Footnotes

January 16, 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. Mainly commercial and industrial loans, but also includes an unknown amount
of credit extended to entities other than nonfinancial businesses.
13. Total amount outstanding.