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SPECIAL NOTICE

Changes to Items Reported on the Release for June 2, 2004

Effective with this release, several changes are being made to the balance sheet
items reported for large and small domestically chartered banks.
. For not seasonally adjusted assets and liabilities of all domestically
chartered banks (page 4) and of small banks (page 10), item 9,
"Real estate loans, other," has been disaggregated into item 9a, "Real
estate loans, other residential," and item 9b, "Real estate loans,
commercial," effective with the week of June 2, 2004.
. For seasonally adjusted assets and liabilities of large banks (page 5), item
3b, "Treasury and Agency securities, investment account," has
been disaggregated into item 3c, "Mortgage-backed," and item 3d, "Other."
Similarly, item 9, "Real estate loans, other," has been
disaggregated into item 9a, "Real estate loans, other residential," and
item 9b, "Real estate loans, commercial." This additional detail
has been available for large banks on a not seasonally adjusted basis
(page 7) since October 2, 1996.
. For not seasonally adjusted assets of large banks (page 7), items 3e, 3f,
and 3g, non-mortgage-backed Treasury and Agency investment account
securities having remaining maturities of, respectively, 1 year or less,
between 1 and 5 years, and more than 5 years, have been discontinued
effective with the week of June 2, 2004.
. For memo items of large banks (page 13), formerly item 33, "Offshore credit
to U.S. residents," has been discontinued effective with the week
of June 2, 2004.

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


June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 6,155.9 6,202.9


6,255.4 6,320.9 6,436.7 6,509.2 6,514.7 6,510.4 6,519.7 6,489.8
6,509.9 6,520.1

2 Securities in bank credit 1,835.9 1,836.8


1,856.1 1,860.5 1,935.4 1,985.2 1,954.1 1,926.5 1,929.4 1,916.9
1,922.0 1,919.9
3 Treasury and Agency securities (2) 1,125.1 1,096.7
1,104.6 1,106.5 1,172.3 1,208.1 1,202.2 1,190.3 1,194.5 1,180.3
1,187.0 1,180.5
4 Other securities 710.8 740.1
751.5 754.0 763.1 777.2 751.9 736.3 734.9 736.6
735.0 739.4

5 Loans and leases in bank credit (3) 4,320.0 4,366.2


4,399.4 4,460.4 4,501.2 4,523.9 4,560.6 4,583.8 4,590.3 4,572.9
4,587.9 4,600.2
6 Commercial and industrial 935.8 889.8
891.3 889.1 889.5 881.3 877.5 875.1 872.4 874.9
878.5 876.4
7 Real estate 2,146.8 2,206.9
2,215.7 2,239.9 2,259.0 2,297.0 2,346.9 2,376.4 2,381.8 2,376.0
2,378.8 2,374.1
8 Revolving home equity 239.1 273.2
280.7 291.3 297.8 308.4 317.5 326.5 324.3 326.5
328.5 331.5
9 Other 1,907.7 1,933.7
1,934.9 1,948.6 1,961.3 1,988.6 2,029.4 2,050.0 2,057.5 2,049.5
2,050.3 2,042.6
10 Consumer 595.5 625.0
628.6 631.1 633.4 638.8 640.1 642.1 637.4 644.3
645.9 645.1
11 Security (4) 215.9 228.6
214.9 233.1 241.4 239.9 233.7 228.5 238.7 211.7
219.6 245.6
12 Other loans and leases 426.0 415.8
448.9 467.2 477.8 467.0 462.5 461.6 460.0 466.0
465.1 458.9

13 Interbank loans 318.6 305.2


296.4 317.6 342.7 296.0 320.4 312.1 317.5 307.8
313.9 301.1

14 Cash assets (5) 310.9 318.5


304.2 320.1 323.8 330.3 339.5 338.7 342.9 345.6
336.4 327.2

15 Other assets (6) 534.1 538.8


539.8 541.7 542.5 551.5 581.2 597.8 600.9 598.6
589.1 633.6

16 TOTAL ASSETS (7) 7,243.9 7,290.6


7,319.7 7,426.5 7,572.6 7,613.8 7,683.3 7,686.8 7,709.0 7,669.7
7,677.2 7,709.7

L I A B I L I T I E S

17 Deposits 4,634.9 4,741.2


4,759.0 4,795.3 4,825.8 4,911.2 4,954.6 5,021.5 5,011.9 5,018.2
5,018.5 5,062.9
18 Transaction 631.9 635.8
642.5 630.8 644.4 671.7 660.6 652.6 629.3 669.0
691.6 639.3
19 Nontransaction 4,003.0 4,105.5
4,116.5 4,164.5 4,181.5 4,239.4 4,294.0 4,368.9 4,382.6 4,349.3
4,326.9 4,423.6
20 Large time 996.7 996.3
1,000.2 1,019.3 1,024.3 1,048.8 1,064.1 1,090.4 1,085.4 1,094.9
1,092.4 1,096.5
21 Other 3,006.3 3,109.1
3,116.2 3,145.2 3,157.1 3,190.7 3,229.9 3,278.5 3,297.2 3,254.3
3,234.4 3,327.1

22 Borrowings 1,443.7 1,457.0


1,479.7 1,518.6 1,568.7 1,534.9 1,548.9 1,523.4 1,534.7 1,509.8
1,526.7 1,513.2
23 From banks in the U.S. 394.4 386.7
389.1 401.8 428.7 402.8 435.9 424.1 436.3 416.4
420.1 417.8
24 From others 1,049.3 1,070.4
1,090.7 1,116.8 1,140.0 1,132.1 1,113.0 1,099.2 1,098.4 1,093.5
1,106.6 1,095.4

25 Net due to related foreign offices 149.5 169.5


142.8 131.2 105.8 91.7 94.7 79.3 100.0 89.2
84.4 17.3

26 Other liabilities 433.8 398.5


408.7 426.5 459.8 476.5 464.8 442.1 430.8 429.8
417.4 531.4

27 TOTAL LIABILITIES 6,661.9 6,766.3


6,790.2 6,871.6 6,960.2 7,014.3 7,063.0 7,066.2 7,077.4 7,047.0
7,047.1 7,124.9

28 Residual (assets less liabilities) (8) 582.0 524.3


529.5 554.9 612.4 599.5 620.3 620.6 631.6 622.7
630.1 584.8

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

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
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 6,140.0 6,244.1


6,298.1 6,334.3 6,427.2 6,479.1 6,496.7 6,502.1 6,510.2 6,478.6
6,495.8 6,519.0

2 Securities in bank credit 1,838.6 1,844.3


1,860.2 1,863.9 1,932.6 1,976.6 1,950.9 1,929.8 1,930.8 1,919.0
1,924.7 1,927.3
3 Treasury and Agency securities (2) 1,131.8 1,103.3
1,105.5 1,102.5 1,168.0 1,204.1 1,205.7 1,197.8 1,200.3 1,187.9
1,194.7 1,190.0
4 Other securities 706.8 741.0
754.7 761.4 764.6 772.5 745.2 732.1 730.5 731.1
730.0 737.4

5 Loans and leases in bank credit (3) 4,301.4 4,399.8


4,437.9 4,470.5 4,494.6 4,502.6 4,545.8 4,572.2 4,579.4 4,559.6
4,571.1 4,591.6
6 Commercial and industrial 939.8 889.8
892.0 885.2 889.3 884.1 881.8 879.0 876.6 878.8
880.2 879.6
7 Real estate 2,138.2 2,231.0
2,228.5 2,241.2 2,257.9 2,283.8 2,335.7 2,376.1 2,384.3 2,376.7
2,378.4 2,371.3
8 Revolving home equity 239.5 273.2
280.3 289.9 297.9 306.1 316.5 327.1 325.2 327.2
329.2 331.9
9 Other 1,898.7 1,957.8
1,948.3 1,951.3 1,959.9 1,977.7 2,019.2 2,049.0 2,059.1 2,049.5
2,049.2 2,039.5
10 Consumer 590.4 629.3
639.5 643.2 638.0 632.8 632.4 636.7 632.2 639.3
641.1 638.4
10a Credit card and related plans 224.8 251.7
262.7 259.9 253.2 248.9 247.8 252.3 248.0 255.0
256.3 254.6
10b Other 365.6 377.6
376.8 383.3 384.7 384.0 384.5 384.4 384.3 384.3
384.8 383.8
11 Security (4) 208.8 233.4
223.7 236.1 240.0 239.5 236.0 221.0 230.5 202.5
210.6 238.5
12 Other loans and leases 424.2 416.2
454.2 464.8 469.5 462.3 460.0 459.4 455.8 462.3
460.8 463.8

13 Interbank loans 317.5 308.7


301.1 312.5 336.8 299.9 330.0 313.2 318.3 307.3
307.3 310.4
14 Cash assets (5) 306.2 329.0
322.3 329.0 321.2 317.9 334.8 333.0 330.7 327.8
332.2 345.0

15 Other assets (6) 533.9 540.8


542.5 542.3 538.3 547.8 580.1 597.3 604.2 596.9
582.5 633.4

16 TOTAL ASSETS (7) 7,221.8 7,347.9


7,387.9 7,444.4 7,550.1 7,571.2 7,669.2 7,673.3 7,691.2 7,638.5
7,645.7 7,735.2

L I A B I L I T I E S

17 Deposits 4,625.9 4,752.8


4,788.6 4,796.6 4,827.0 4,904.1 4,971.6 5,011.9 4,998.9 4,992.3
4,988.5 5,096.4
18 Transaction 623.3 641.6
676.5 642.9 636.5 662.8 667.5 643.4 615.6 650.5
679.3 651.9
19 Nontransaction 4,002.6 4,111.2
4,112.1 4,153.7 4,190.5 4,241.3 4,304.1 4,368.4 4,383.3 4,341.9
4,309.3 4,444.5
20 Large time 1,003.5 988.6
999.8 1,028.0 1,033.2 1,051.8 1,069.8 1,098.8 1,092.4 1,101.5
1,102.4 1,107.4
21 Other 2,999.1 3,122.6
3,112.3 3,125.8 3,157.3 3,189.6 3,234.3 3,269.6 3,290.9 3,240.4
3,206.9 3,337.0

22 Borrowings 1,459.3 1,450.0


1,469.3 1,514.9 1,566.3 1,523.9 1,556.0 1,539.7 1,554.3 1,522.5
1,533.9 1,532.1
23 From banks in the U.S. 395.0 384.0
387.8 398.2 425.7 404.3 441.0 424.7 438.0 415.7
416.5 419.3
24 From others 1,064.2 1,066.0
1,081.5 1,116.6 1,140.6 1,119.7 1,115.0 1,115.0 1,116.4 1,106.8
1,117.4 1,112.8

25 Net due to related foreign offices 145.4 180.6


150.7 136.0 110.8 85.5 78.4 75.1 93.9 85.1
85.4 14.2

26 Other liabilities 429.8 408.2


416.3 431.3 465.5 468.8 446.4 438.1 424.9 425.7
418.4 528.1

27 TOTAL LIABILITIES 6,660.4 6,791.6


6,824.8 6,878.8 6,969.6 6,982.4 7,052.4 7,064.7 7,072.0 7,025.6
7,026.3 7,170.8

28 Residual (assets less liabilities) (8) 561.4 556.3


563.1 565.6 580.5 588.8 616.8 608.6 619.2 612.9
619.4 564.4
-------------------------------------------------

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
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 5,489.2 5,572.2


5,627.5 5,682.4 5,786.9 5,857.1 5,881.8 5,888.7 5,895.5 5,884.7
5,894.2 5,876.4

2 Securities in bank credit 1,553.0 1,573.0


1,590.2 1,599.2 1,669.9 1,720.1 1,691.7 1,671.6 1,677.8 1,666.8
1,667.1 1,659.3
3 Treasury and Agency securities (2) 1,001.1 999.0
1,005.5 1,008.2 1,072.8 1,111.8 1,107.0 1,097.9 1,104.1 1,088.8
1,094.1 1,087.9
4 Other securities 551.9 574.1
584.7 591.0 597.1 608.3 584.7 573.7 573.7 578.0
573.0 571.3

5 Loans and leases in bank credit (3) 3,936.2 3,999.2


4,037.3 4,083.2 4,117.0 4,137.0 4,190.1 4,217.1 4,217.7 4,217.9
4,227.1 4,217.2
6 Commercial and industrial 771.0 757.4
755.1 751.9 753.0 747.4 746.6 745.0 742.5 744.5
747.7 746.6
7 Real estate 2,127.7 2,184.8
2,197.8 2,222.8 2,242.0 2,279.9 2,329.6 2,359.6 2,364.7 2,358.9
2,362.4 2,357.7
8 Revolving home equity 239.1 273.2
280.7 291.3 297.8 308.4 317.5 326.5 324.3 326.5
328.5 331.5
9 Other 1,888.7 1,911.6
1,917.1 1,931.5 1,944.2 1,971.5 2,012.1 2,033.1 2,040.4 2,032.4
2,033.9 2,026.1
10 Consumer 595.5 625.0
628.6 631.1 633.4 638.8 640.1 642.1 637.4 644.3
645.9 645.1
11 Security (4) 90.8 92.5
90.0 102.0 102.6 92.5 95.8 93.8 96.5 90.8
92.1 94.9
12 Other loans and leases 351.2 339.5
365.8 375.4 386.0 378.4 378.0 376.6 376.6 379.5
379.1 372.9

13 Interbank loans 289.2 268.4


264.7 282.1 310.2 265.5 286.8 276.2 278.4 274.0
279.2 266.3

14 Cash assets (5) 261.6 267.1


254.4 264.8 266.7 270.0 275.3 271.5 275.1 275.3
266.3 267.1

15 Other assets (6) 501.6 510.3


512.9 516.4 522.5 533.1 561.5 574.1 582.4 573.2
565.6 595.8

16 TOTAL ASSETS (7) 6,466.5 6,543.6


6,583.9 6,672.3 6,813.6 6,853.0 6,933.3 6,938.8 6,959.7 6,935.6
6,933.6 6,933.9

L I A B I L I T I E S

17 Deposits 4,215.0 4,303.7


4,323.2 4,342.5 4,362.3 4,444.3 4,479.7 4,533.6 4,528.6 4,529.9
4,533.9 4,554.0
18 Transaction 621.9 624.9
631.6 618.9 632.6 660.0 649.3 641.3 618.1 657.9
680.3 628.1
19 Nontransaction 3,593.1 3,678.8
3,691.6 3,723.6 3,729.7 3,784.2 3,830.3 3,892.4 3,910.5 3,872.0
3,853.6 3,925.9
20 Large time 595.6 571.9
577.8 585.3 576.3 595.6 602.3 618.1 615.2 619.6
621.0 615.7
21 Other 2,997.5 3,106.9
3,113.8 3,138.3 3,153.4 3,188.7 3,228.0 3,274.2 3,295.3 3,252.5
3,232.6 3,310.2

22 Borrowings 1,124.2 1,150.4


1,162.4 1,191.9 1,231.4 1,192.6 1,212.9 1,202.9 1,210.4 1,202.3
1,211.4 1,187.2
23 From banks in the U.S. 359.8 351.9
345.9 362.3 386.7 356.6 394.6 383.9 398.9 376.1
379.0 375.1
24 From others 764.4 798.5
816.4 829.6 844.7 836.0 818.4 819.0 811.5 826.2
832.4 812.2

25 Net due to related foreign offices 225.2 262.3


253.1 261.8 256.6 245.3 263.9 252.8 274.6 262.5
260.3 184.9

26 Other liabilities 330.1 296.7


309.5 324.9 354.9 374.3 358.3 340.5 325.9 330.4
312.5 433.5

27 TOTAL LIABILITIES 5,894.5 6,013.2


6,048.1 6,121.1 6,205.1 6,256.5 6,314.8 6,329.8 6,339.5 6,325.1
6,318.1 6,359.6

28 Residual (assets less liabilities) (8) 572.0 530.4


535.8 551.2 608.5 596.5 618.5 609.0 620.2 610.5
615.5 574.2

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

Footnotes appear on page 14.

H.8 (510)
Page 4
ASSETS AND LIABILITIES OF DOMESTICALLY CHARTERED COMMERCIAL BANKS IN THE UNITED
STATES (1)
Not seasonally adjusted, billions of dollars
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 5,475.9 5,611.8


5,663.2 5,692.4 5,775.1 5,823.6 5,858.2 5,883.1 5,888.0 5,878.3
5,883.6 5,878.9

2 Securities in bank credit 1,555.7 1,580.6


1,594.3 1,602.6 1,667.0 1,711.4 1,688.5 1,674.9 1,679.2 1,668.9
1,669.8 1,666.7
3 Treasury and Agency securities (2) 1,007.8 1,005.6
1,006.4 1,004.2 1,068.5 1,107.8 1,110.5 1,105.4 1,109.9 1,096.4
1,101.8 1,097.4
4 Other securities 547.9 575.0
587.9 598.4 598.5 603.7 578.0 569.5 569.3 572.5
568.0 569.3
5 Loans and leases in bank credit (3) 3,920.2 4,031.2
4,068.9 4,089.8 4,108.1 4,112.2 4,169.7 4,208.2 4,208.8 4,209.4
4,213.8 4,212.2
6 Commercial and industrial 775.0 758.0
754.7 747.3 751.1 748.4 749.9 748.9 746.5 748.4
750.0 749.9
7 Real estate 2,119.2 2,208.9
2,210.7 2,224.1 2,240.8 2,266.7 2,318.4 2,359.3 2,367.2 2,359.6
2,362.0 2,354.8
8 Revolving home equity 239.5 273.2
280.3 289.9 297.9 306.1 316.5 327.1 325.2 327.2
329.2 331.9
9 Other 1,879.6 1,935.7
1,930.4 1,934.2 1,942.9 1,960.6 2,001.9 2,032.1 2,042.0 2,032.4
2,032.8 2,023.0
9a Other residential -- --
-- -- -- -- -- -- -- --
-- 1,065.2
9b Commercial -- --
-- -- -- -- -- -- -- --
-- 957.7
10 Consumer 590.4 629.3
639.5 643.2 638.0 632.8 632.4 636.7 632.2 639.3
641.1 638.4
10a Credit card and related plans 224.8 251.7
262.7 259.9 253.2 248.9 247.8 252.3 248.0 255.0
256.3 254.6
10d Other 365.6 377.6
376.8 383.3 384.7 384.0 384.5 384.4 384.3 384.3
384.8 383.8
11 Security (4) 86.6 93.6
93.0 101.2 98.7 90.3 94.4 89.4 91.0 86.2
86.1 93.0
12 Other loans and leases 349.0 341.4
371.0 374.0 379.5 374.0 374.6 373.9 371.9 375.8
374.6 376.0

13 Interbank loans 288.1 272.0


269.4 277.0 304.3 269.4 296.4 277.3 279.3 273.5
272.6 275.7

14 Cash assets (5) 257.4 277.6


270.9 274.1 264.9 259.6 271.1 266.5 263.4 258.6
263.3 284.7

15 Other assets (6) 500.8 512.8


515.1 515.3 517.1 529.3 561.2 573.3 585.1 571.1
558.4 594.9

16 TOTAL ASSETS (7) 6,447.0 6,599.9


6,643.1 6,685.4 6,788.4 6,808.7 6,915.0 6,928.3 6,944.0 6,909.9
6,906.3 6,962.1

L I A B I L I T I E S

17 Deposits 4,196.4 4,325.9


4,353.6 4,337.9 4,357.3 4,432.6 4,487.2 4,512.9 4,505.0 4,494.5
4,491.3 4,576.0
18 Transaction 613.5 630.8
665.2 630.6 624.7 651.5 656.4 632.3 604.6 639.7
668.1 640.7
19 Nontransaction 3,583.0 3,695.1
3,688.5 3,707.3 3,732.7 3,781.1 3,830.7 3,880.6 3,900.3 3,854.8
3,823.3 3,935.3
20 Large time 592.8 574.6
578.6 588.5 579.1 593.6 598.3 615.4 611.4 616.4
618.3 615.5
21 Other 2,990.1 3,120.4
3,109.9 3,118.8 3,153.6 3,187.5 3,232.4 3,265.2 3,289.0 3,238.5
3,205.0 3,319.7

22 Borrowings 1,139.8 1,143.4


1,151.9 1,188.2 1,229.0 1,181.6 1,220.0 1,219.2 1,230.0 1,215.0
1,218.6 1,206.1
23 From banks in the U.S. 360.4 349.2
344.7 358.8 383.6 358.0 399.6 384.4 400.6 375.5
375.4 376.5
24 From others 779.4 794.2
807.2 829.3 845.3 823.6 820.4 834.7 829.4 839.5
843.2 829.5

25 Net due to related foreign offices 223.2 270.8


259.4 265.8 261.8 239.8 250.0 250.5 269.6 260.3
263.0 184.2

26 Other liabilities 327.8 304.3


315.7 329.0 360.9 367.1 342.0 338.1 321.1 328.1
314.9 432.3

27 TOTAL LIABILITIES 5,887.3 6,044.4


6,080.7 6,120.9 6,209.0 6,221.0 6,299.1 6,320.6 6,325.7 6,297.9
6,287.8 6,398.6

28 Residual (assets less liabilities) (8) 559.8 555.5


562.4 564.5 579.4 587.7 615.8 607.7 618.3 612.0
618.5 563.5

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

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
June 14, 2004
Account 2003 2003 2003
2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 3,084.7 3,077.3


3,101.1 3,128.5 3,217.8 3,269.8 3,227.9 3,223.4 3,228.4 3,222.6
3,227.3 3,213.1

2 Securities in bank credit 867.2 865.1


876.9 881.0 951.3 1,004.7 964.2 938.5 946.6 932.5
933.5 925.1
3 Treasury and Agency securities (2) 520.7 499.3
502.7 502.1 566.8 609.6 592.9 573.6 580.7 564.1
570.2 562.5
3a Trading account 43.3 40.3
39.6 39.2 42.9 45.1 45.0 45.4 50.3 42.6
46.7 36.8
3b Investment account 477.3 459.0
463.1 462.9 523.9 564.4 547.9 528.2 530.4 521.5
523.5 525.7
3c Mortgage-backed 383.3 353.6
356.9 355.6 413.8 450.5 440.5 422.6 425.5 417.5
418.7 415.7
3b Other 94.0 105.4
106.2 107.2 110.2 114.0 107.5 105.7 104.9 104.1
104.8 110.0
4 Other securities 346.5 365.9
374.2 378.9 384.5 395.1 371.3 364.9 365.9 368.4
363.3 362.6
4a Trading account 191.6 189.6
194.8 196.8 200.4 208.1 185.3 183.3 183.3 186.2
182.4 184.0
4b Investment account 154.9 176.2
179.4 182.1 184.1 187.0 186.0 181.6 182.7 182.2
180.9 178.6
4c State and local government 31.7 31.8
31.7 31.6 32.4 33.6 33.8 33.3 33.2 33.5
33.6 33.1
4d Other 123.2 144.5
147.8 150.5 151.6 153.3 152.2 148.3 149.5 148.7
147.3 145.6

5 Loans and leases in bank credit (3) 2,217.5 2,212.2


2,224.3 2,247.5 2,266.5 2,265.1 2,263.7 2,285.0 2,281.8 2,290.0
2,293.8 2,288.0
6 Commercial and industrial 478.3 451.5
447.9 439.8 440.1 432.8 433.2 433.1 431.6 432.4
434.9 434.5
7 Real estate 1,091.8 1,110.6
1,107.0 1,118.1 1,126.0 1,146.9 1,141.1 1,164.6 1,161.3 1,168.9
1,170.4 1,169.1
8 Revolving home equity 158.0 183.6
188.4 196.6 201.3 209.6 215.8 222.3 221.2 222.4
223.9 225.6
9 Other 933.8 927.0
918.5 921.5 924.7 937.2 925.3 942.3 940.1 946.5
946.5 943.4
9a Other residential 603.3 592.1
584.6 587.3 591.1 599.2 586.2 602.1 600.7 606.2
605.4 602.7
9b Commercial 330.5 334.9
333.9 334.1 333.5 338.0 339.1 340.2 339.4 340.2
341.1 340.7
10 Consumer 315.8 325.5
321.2 321.4 321.5 323.8 325.6 327.2 326.4 328.7
328.3 326.1
11 Security (4) 82.9 84.8
82.2 93.8 94.4 84.7 88.3 86.4 89.0 83.4
84.5 87.8
11a Fed funds and RPs with broker/dealer 63.1 66.7
63.6 74.7 73.8 64.7 67.1 64.1 66.1 60.6
62.0 67.0
11b Other 19.8 18.1
18.6 19.1 20.6 20.0 21.2 22.3 22.9 22.9
22.5 20.8
12a State and local government 12.6 14.0
14.1 14.1 14.2 14.3 14.1 14.0 14.0 14.0
14.3 14.1
12b Agricultural 8.7 8.4
8.4 8.2 8.3 8.3 8.4 8.4 8.4 8.3
8.4 8.4
12c Fed funds and RPs with others 27.3 26.2
29.5 27.1 32.5 26.9 23.7 18.1 18.7 17.3
19.3 17.1
12d All other loans 90.4 87.6
111.0 124.7 127.4 125.8 129.8 137.2 135.1 141.9
138.6 136.1
12e Lease financing receivables 109.7 103.7
103.0 100.4 102.2 101.6 99.5 95.9 97.3 95.1
95.3 94.6

13 Interbank loans 187.1 179.8


178.4 189.8 217.1 179.4 210.2 198.8 200.7 197.5
199.3 192.4
13a Fed funds and RPs with banks 116.0 101.7
98.6 97.8 108.6 94.3 98.7 90.3 82.6 94.3
95.5 90.1
13b Other 71.1 78.0
79.8 92.1 108.5 85.0 111.6 108.6 118.1 103.2
103.9 102.3

14 Cash assets (5) 139.6 149.7


140.6 148.3 147.9 149.3 154.5 152.0 153.1 152.4
148.7 156.1

15 Other assets (6) 355.5 354.8


351.8 357.0 359.6 367.4 392.2 399.0 405.5 407.2
398.4 399.0

16 TOTAL ASSETS (7) 3,722.5 3,718.7


3,728.3 3,782.4 3,901.9 3,925.5 3,945.9 3,934.8 3,949.3 3,941.2
3,935.4 3,922.2

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

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)
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

L I A B I L I T I E S

17 Deposits 2,114.9 2,148.4


2,156.8 2,160.0 2,171.8 2,245.5 2,267.9 2,305.2 2,301.3 2,304.3
2,305.1 2,316.4
18 Transaction 303.4 294.2
296.9 289.3 296.1 312.7 307.7 296.2 282.2 311.0
323.1 277.8
19 Nontransaction 1,811.5 1,854.1
1,859.9 1,870.7 1,875.6 1,932.8 1,960.1 2,009.0 2,019.1 1,993.3
1,981.9 2,038.6
20 Large time 274.1 246.7
248.5 249.8 242.0 256.0 260.6 275.8 269.6 277.1
277.9 280.2
21 Other 1,537.4 1,607.4
1,611.3 1,621.0 1,633.6 1,676.9 1,699.5 1,733.3 1,749.5 1,716.2
1,704.0 1,758.5

22 Borrowings 727.0 716.4


721.2 738.2 775.6 739.8 727.3 710.7 713.5 710.5
721.3 698.6
23 From banks in the U.S. 209.3 190.1
179.4 186.2 204.7 179.1 185.4 186.7 185.0 188.7
190.8 189.4
24 From others 517.7 526.3
541.8 552.0 570.9 560.7 541.9 524.0 528.6 521.8
530.5 509.2

25 Net due to related foreign offices 212.9 247.7


232.6 238.5 232.2 225.3 240.4 229.5 247.9 241.4
237.2 165.6

26 Other liabilities 252.7 229.6


240.2 256.8 284.7 303.1 285.7 268.2 254.5 259.3
240.6 358.1

27 TOTAL LIABILITIES 3,307.5 3,342.1


3,350.7 3,393.5 3,464.3 3,513.6 3,521.2 3,513.6 3,517.2 3,515.5
3,504.2 3,538.7

28 Residual (assets less liabilities) (8) 415.0 376.6


377.6 388.9 437.7 411.9 424.6 421.2 432.1 425.7
431.1 383.5

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

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
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 3,079.2 3,103.5


3,121.1 3,135.3 3,207.2 3,239.9 3,213.6 3,226.1 3,226.9 3,223.0
3,224.6 3,228.2

2 Securities in bank credit 871.9 874.1


878.9 885.2 948.6 988.4 957.2 944.1 950.1 937.2
938.6 935.2
3 Treasury and Agency securities (2) 529.4 507.4
501.5 498.9 562.7 598.0 592.7 583.4 588.6 574.3
580.2 574.6
3a Trading account 44.0 40.7
39.6 39.0 43.2 44.7 45.3 46.1 50.9 43.4
47.3 37.7
3b Investment account 485.4 466.7
461.8 459.9 519.5 553.3 547.3 537.3 537.7 530.9
532.9 536.9
3c Mortgage-backed 389.9 360.2
355.6 353.3 408.5 440.4 439.2 429.9 431.5 424.9
426.8 424.1
3d Other 95.5 106.5
106.2 106.6 111.0 112.9 108.1 107.4 106.2 106.0
106.1 112.8
4 Other securities 342.5 366.8
377.4 386.3 385.9 390.4 364.6 360.7 361.5 362.9
358.3 360.6
4a Trading account 189.4 190.1
196.4 200.6 201.2 205.6 181.9 181.2 181.0 183.4
179.9 182.9
4b Investment account 153.1 176.7
181.0 185.7 184.7 184.7 182.6 179.5 180.5 179.5
178.4 177.6
4c State and local government 31.3 31.8
31.9 32.3 32.6 33.2 33.1 32.9 32.8 33.0
33.1 32.9
4d Other 121.8 144.8
149.0 153.4 152.2 151.5 149.5 146.6 147.7 146.5
145.3 144.7

5 Loans and leases in bank credit (3) 2,207.3 2,229.3


2,242.2 2,250.1 2,258.6 2,251.5 2,256.4 2,282.0 2,276.7 2,285.8
2,286.0 2,293.0
6 Commercial and industrial 480.2 453.1
447.5 435.9 438.3 433.1 435.2 434.9 433.1 434.1
435.2 436.3
7 Real estate 1,087.2 1,123.3
1,113.9 1,118.6 1,125.4 1,140.2 1,138.5 1,168.6 1,166.7 1,172.8
1,173.4 1,173.5
8 Revolving home equity 158.4 183.7
188.1 195.6 201.7 207.9 215.0 223.0 221.8 223.2
224.5 226.2
9 Other 928.7 939.6
925.8 923.0 923.7 932.3 923.4 945.6 944.9 949.7
949.0 947.3
9a Other residential 598.5 602.5
590.6 588.8 589.9 596.0 585.0 604.2 603.7 608.3
606.9 605.2
9b Commercial 330.2 337.1
335.2 334.2 333.8 336.3 338.4 341.4 341.2 341.4
342.0 342.1
10 Consumer 313.7 326.1
324.9 327.2 324.2 321.9 322.6 324.7 323.5 326.2
326.1 324.0
10a Credit card and related plans 94.1 103.5
105.7 104.2 99.4 96.3 96.7 98.7 97.8 100.3
99.8 97.8
10f Other 219.6 222.6
219.2 222.9 224.7 225.6 225.9 226.0 225.8 225.9
226.2 226.2
11 Security (4) 78.9 85.7
85.1 93.2 90.5 82.3 86.9 82.2 83.7 79.0
78.9 85.8
11a Fed funds and RPs with broker/dealer 60.1 67.5
65.9 74.2 70.7 62.9 66.0 61.0 62.2 57.4
57.9 65.5
11b Other 18.8 18.3
19.2 19.0 19.7 19.4 20.8 21.2 21.5 21.7
21.0 20.3
12a State and local government 12.6 14.0
14.1 14.1 14.2 14.3 14.1 14.0 14.0 14.0
14.3 14.1
12b Agricultural 8.7 8.4
8.5 8.3 8.1 8.3 8.3 8.4 8.4 8.3
8.4 8.5
12c Fed funds and RPs with others 27.3 26.2
29.5 27.1 32.5 26.9 23.7 18.1 18.7 17.3
19.3 17.1
12d All other loans 89.2 88.6
115.8 124.9 123.6 123.1 127.8 135.3 131.5 139.1
135.4 139.0
12e Lease financing receivables 109.6 104.0
102.9 100.8 101.9 101.4 99.4 95.8 97.1 95.0
95.0 94.6

13 Interbank loans 189.9 181.6


182.4 189.2 211.1 178.9 216.1 202.3 203.5 200.5
198.8 200.2
13a Fed funds and RPs with banks 117.6 102.7
100.6 97.5 105.6 94.2 101.5 91.8 83.8 95.7
95.2 93.7
13b Other 72.3 78.9
81.7 91.7 105.5 84.7 114.7 110.5 119.8 104.8
103.6 106.4

14 Cash assets (5) 136.6 155.8


151.9 156.4 148.2 143.8 153.4 148.1 145.7 141.0
145.7 166.0

15 Other assets (6) 354.7 357.3


354.0 355.9 354.2 363.6 391.9 398.2 408.3 405.2
391.2 398.1

16 TOTAL ASSETS (7) 3,716.0 3,755.5


3,765.7 3,795.5 3,879.9 3,885.3 3,936.3 3,936.1 3,945.8 3,931.2
3,921.9 3,953.7

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

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)
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

L I A B I L I T I E S

17 Deposits 2,100.6 2,159.8


2,174.3 2,159.8 2,176.4 2,235.6 2,271.4 2,288.9 2,282.5 2,279.8
2,273.6 2,327.6
18 Transaction 298.9 296.9
317.8 297.3 292.7 308.2 314.1 291.4 274.5 301.4
316.4 285.4
19 Nontransaction 1,801.7 1,862.9
1,856.4 1,862.6 1,883.8 1,927.5 1,957.3 1,997.5 2,007.9 1,978.4
1,957.2 2,042.2
20 Large time 271.4 249.5
249.3 253.0 244.8 254.0 256.7 273.0 265.8 273.9
275.2 280.0
21 Other 1,530.3 1,613.4
1,607.2 1,609.6 1,639.0 1,673.5 1,700.7 1,724.5 1,742.2 1,704.5
1,682.0 1,762.2

22 Borrowings 742.6 709.4


710.7 734.5 773.2 728.8 734.3 727.0 733.2 723.1
728.5 717.4
23 From banks in the U.S. 210.0 187.4
178.1 182.7 201.7 180.5 190.4 187.2 186.6 188.0
187.3 190.9
24 From others 532.7 522.0
532.6 551.8 571.5 548.2 543.9 539.8 546.5 535.1
541.3 526.5

25 Net due to related foreign offices 210.9 256.1


238.9 242.5 237.5 219.7 226.5 227.2 242.9 239.2
239.9 165.0

26 Other liabilities 250.4 237.2


246.4 260.9 290.7 295.9 269.4 265.8 249.6 257.0
243.0 356.8

27 TOTAL LIABILITIES 3,304.4 3,362.5


3,370.3 3,397.7 3,477.8 3,479.9 3,501.6 3,508.9 3,508.2 3,499.2
3,485.0 3,566.9

28 Residual (assets less liabilities) (8) 411.5 393.0


395.4 397.8 402.1 405.4 434.6 427.2 437.6 432.0
436.9 386.8
-------------------------------------------------

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
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 2,402.9 2,493.2


2,525.4 2,552.9 2,571.0 2,593.4 2,655.3 2,663.4 2,664.4 2,660.5
2,665.3 2,662.3

2 Securities in bank credit 684.2 706.2


712.3 717.3 720.5 721.6 729.0 731.2 728.5 732.6
731.9 733.1
3 Treasury and Agency securities (2) 478.8 498.0
501.8 505.2 507.9 508.3 515.5 522.5 520.8 522.9
522.3 524.4
4 Other securities 205.4 208.2
210.5 212.1 212.6 213.3 213.4 208.8 207.8 209.7
209.7 208.7

5 Loans and leases in bank credit (3) 1,718.7 1,787.0


1,813.1 1,835.6 1,850.5 1,871.8 1,926.3 1,932.1 1,935.9 1,927.9
1,933.3 1,929.2
6 Commercial and industrial 292.7 305.9
307.2 312.0 312.9 314.7 313.4 311.9 311.0 312.1
312.8 312.1
7 Real estate 1,036.0 1,074.2
1,090.9 1,104.7 1,116.0 1,133.0 1,188.5 1,195.0 1,203.4 1,190.0
1,192.1 1,188.6
8 Revolving home equity 81.1 89.6
92.3 94.7 96.4 98.7 101.7 104.1 103.1 104.0
104.7 105.9
9 Other 954.9 984.6
998.6 1,010.0 1,019.5 1,034.3 1,086.8 1,090.9 1,100.3 1,086.0
1,087.4 1,082.7
10 Consumer 279.7 299.6
307.4 309.7 311.9 314.9 314.5 314.9 311.0 315.6
317.6 319.0
11 Security (4) 7.8 7.7
7.8 8.2 8.3 7.8 7.5 7.4 7.4 7.4
7.6 7.1
12 Other loans and leases 102.5 99.6
99.9 101.0 101.5 101.4 102.5 102.9 103.0 102.8
103.4 102.4

13 Interbank loans 102.1 88.7


86.3 92.3 93.1 86.1 76.6 77.4 77.7 76.5
79.8 73.9

14 Cash assets (5) 122.0 117.4


113.8 116.4 118.8 120.7 120.7 119.5 121.9 122.9
117.6 111.0

15 Other assets (6) 146.1 155.5


161.2 159.4 162.9 165.6 169.3 175.1 176.8 166.0
167.2 196.8

16 TOTAL ASSETS (7) 2,742.4 2,823.2


2,854.6 2,888.9 2,913.7 2,933.6 2,988.9 3,002.1 3,007.7 2,992.7
2,996.6 3,010.6

L I A B I L I T I E S

17 Deposits 2,100.1 2,155.3


2,166.4 2,182.4 2,190.5 2,198.8 2,211.8 2,228.4 2,227.3 2,225.6
2,228.8 2,237.6
18 Transaction 318.5 330.7
334.7 329.6 336.4 347.4 341.6 345.1 335.9 346.8
357.1 350.3
19 Nontransaction 1,781.6 1,824.6
1,831.7 1,852.9 1,854.1 1,851.4 1,870.2 1,883.3 1,891.4 1,878.8
1,871.7 1,887.3
20 Large time 321.5 325.2
329.3 335.5 334.3 339.6 341.7 342.4 345.6 342.5
343.1 335.6
21 Other 1,460.1 1,499.4
1,502.5 1,517.3 1,519.8 1,511.8 1,528.5 1,540.9 1,545.8 1,536.2
1,528.6 1,551.7

22 Borrowings 397.2 434.0


441.2 453.7 455.8 452.8 485.7 492.2 496.9 491.8
490.1 488.6
23 From banks in the U.S. 150.5 161.8
166.6 176.1 182.0 177.5 209.2 197.3 214.0 187.4
188.1 185.6
24 From others 246.7 272.2
274.6 277.6 273.8 275.3 276.4 294.9 282.9 304.4
301.9 303.0

25 Net due to related foreign offices 12.3 14.6


20.6 23.3 24.4 20.1 23.5 23.3 26.7 21.1
23.1 19.3

26 Other liabilities 77.4 67.2


69.3 68.1 70.2 71.2 72.6 72.3 71.4 71.0
71.9 75.5

27 TOTAL LIABILITIES 2,587.0 2,671.1


2,697.4 2,727.6 2,740.8 2,742.9 2,793.6 2,816.2 2,822.3 2,809.6
2,813.9 2,820.9

28 Residual (assets less liabilities) (8) 155.4 152.1


157.2 161.3 172.8 190.7 195.3 185.9 185.4 183.2
182.7 189.7

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

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
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 2,396.6 2,508.3


2,542.1 2,557.1 2,567.9 2,583.7 2,644.5 2,657.0 2,661.1 2,655.3
2,659.1 2,650.8

2 Securities in bank credit 683.8 706.5


715.4 717.4 718.4 723.0 731.3 730.8 729.0 731.7
731.2 731.5
3 Treasury and Agency securities (2) 478.4 498.3
504.9 505.3 505.8 509.8 517.8 522.0 521.2 522.0
521.5 522.8
4 Other securities 205.4 208.2
210.5 212.1 212.6 213.3 213.4 208.8 207.8 209.7
209.7 208.7

5 Loans and leases in bank credit (3) 1,712.8 1,801.9


1,826.7 1,839.8 1,849.5 1,860.7 1,913.3 1,926.2 1,932.1 1,923.6
1,927.8 1,919.3
6 Commercial and industrial 294.8 304.9
307.2 311.4 312.8 315.2 314.7 314.0 313.3 314.3
314.7 313.6
7 Real estate 1,032.0 1,085.7
1,096.8 1,105.5 1,115.4 1,126.5 1,179.9 1,190.7 1,200.5 1,186.8
1,188.5 1,181.3
8 Revolving home equity 81.1 89.5
92.2 94.3 96.2 98.2 101.5 104.1 103.4 104.0
104.7 105.7
9 Other 950.9 996.2
1,004.6 1,011.2 1,019.2 1,028.3 1,078.5 1,086.5 1,097.1 1,082.8
1,083.9 1,075.6
9b Other residential -- --
-- -- -- -- -- -- -- --
-- 460.0
9c Commercial -- --
-- -- -- -- -- -- -- --
-- 615.6
10 Consumer 276.7 303.3
314.5 316.0 313.8 310.9 309.8 312.0 308.7 313.1
315.0 314.4
10a Credit card and related plans 130.7 148.3
156.9 155.7 153.8 152.5 151.1 153.7 150.2 154.7
156.5 156.8
10h Other 146.0 155.0
157.6 160.4 160.0 158.4 158.7 158.3 158.5 158.4
158.6 157.6
11 Security (4) 7.7 7.9
7.9 8.0 8.3 8.0 7.5 7.3 7.3 7.2
7.2 7.2
12 Other loans and leases 101.7 100.2
100.3 98.8 99.2 100.0 101.3 102.3 102.2 102.2
102.3 102.7

13 Interbank loans 98.2 90.4


87.1 87.8 93.2 90.5 80.3 75.0 75.7 73.0
73.8 75.5

14 Cash assets (5) 120.8 121.8


119.0 117.7 116.7 115.8 117.7 118.3 117.7 117.6
117.7 118.7

15 Other assets (6) 146.1 155.5


161.2 159.4 162.9 165.6 169.3 175.1 176.8 166.0
167.2 196.8

16 TOTAL ASSETS (7) 2,731.1 2,844.4


2,877.4 2,889.9 2,908.5 2,923.4 2,978.7 2,992.2 2,998.2 2,978.7
2,984.4 3,008.4

L I A B I L I T I E S

17 Deposits 2,095.9 2,166.1


2,179.4 2,178.0 2,180.9 2,197.0 2,215.8 2,224.0 2,222.5 2,214.8
2,217.8 2,248.3
18 Transaction 314.6 333.9
347.3 333.3 332.0 343.3 342.3 341.0 330.1 338.3
351.7 355.3
19 Nontransaction 1,781.3 1,832.2
1,832.0 1,844.7 1,848.9 1,853.7 1,873.4 1,883.0 1,892.4 1,876.5
1,866.1 1,893.1
20 Large time 321.5 325.2
329.3 335.5 334.3 339.6 341.7 342.4 345.6 342.5
343.1 335.6
21 Other 1,459.8 1,507.0
1,502.7 1,509.2 1,514.6 1,514.1 1,531.8 1,540.7 1,546.8 1,534.0
1,523.0 1,557.5

22 Borrowings 397.2 434.0


441.2 453.7 455.8 452.8 485.7 492.2 496.9 491.8
490.1 488.6
23 From banks in the U.S. 150.5 161.8
166.6 176.1 182.0 177.5 209.2 197.3 214.0 187.4
188.1 185.6
24 From others 246.7 272.2
274.6 277.6 273.8 275.3 276.4 294.9 282.9 304.4
301.9 303.0

25 Net due to related foreign offices 12.3 14.6


20.6 23.3 24.4 20.1 23.5 23.3 26.7 21.1
23.1 19.3

26 Other liabilities 77.4 67.2


69.3 68.1 70.2 71.2 72.6 72.3 71.4 71.0
71.9 75.5

27 TOTAL LIABILITIES 2,582.8 2,681.9


2,710.4 2,723.2 2,731.3 2,741.1 2,797.5 2,811.8 2,817.5 2,798.7
2,802.8 2,831.7

28 Residual (assets less liabilities) (8) 148.2 162.5


167.0 166.7 177.3 182.4 181.2 180.4 180.7 180.0
181.6 176.7

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

Footnotes appear on page 14.

H.8 (510)
Page 11
ASSETS AND LIABILITIES OF FOREIGN-RELATED INSTITUTIONS IN THE UNITED STATES (1)
Seasonally adjusted, billions of dollars
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 666.7 630.7


627.9 638.5 649.8 652.0 632.9 621.7 624.2 605.0
615.7 643.7

2 Securities in bank credit 282.9 263.7


265.9 261.3 265.6 265.1 262.4 255.0 251.6 250.1
254.9 260.6
3 Treasury and Agency securities (2) 124.0 97.7
99.2 98.3 99.5 96.3 95.2 92.4 90.4 91.6
92.9 92.6
4 Other securities 158.9 166.0
166.7 163.0 166.1 168.8 167.2 162.6 161.2 158.5
162.0 168.0

5 Loans and leases in bank credit (3) 383.8 367.0


362.0 377.2 384.2 386.9 370.5 366.7 372.6 354.9
360.8 383.1
6 Commercial and industrial 164.8 132.5
136.2 137.2 136.6 133.9 130.9 130.1 129.9 130.4
130.8 129.8
7 Real estate 19.1 22.1
17.8 17.1 17.1 17.1 17.3 16.8 17.1 17.1
16.4 16.5
11 Security (4) 125.2 136.1
124.9 131.1 138.8 147.4 137.9 134.7 142.2 120.9
127.6 150.7
12 Other loans and leases 74.8 76.4
83.1 91.8 91.8 88.6 84.5 85.0 83.4 86.6
86.0 86.1

13 Interbank loans 29.4 36.7


31.7 35.5 32.5 30.6 33.5 35.9 39.1 33.8
34.7 34.7

14 Cash assets (5) 49.2 51.4


49.8 55.3 57.1 60.3 64.2 67.2 67.9 70.3
70.1 60.1

15 Other assets (6) 32.5 28.5


26.9 25.3 20.1 18.4 19.7 23.6 18.6 25.4
23.5 37.7

16 TOTAL ASSETS (7) 777.3 747.0


735.9 754.2 759.0 760.9 750.0 748.0 749.3 734.1
743.6 775.8

L I A B I L I T I E S

17 Deposits 419.9 437.6


435.8 452.8 463.6 466.9 475.0 487.8 483.3 488.3
484.6 508.9
18 Transaction 10.0 10.9
11.0 11.9 11.8 11.7 11.3 11.3 11.3 11.1
11.4 11.2
19 Nontransaction 409.9 426.7
424.8 440.9 451.8 455.2 463.7 476.5 472.0 477.2
473.3 497.7

22 Borrowings 319.5 306.6


317.4 326.7 337.3 342.3 336.0 320.5 324.3 307.5
315.3 326.0
23 From banks in the U.S. 34.6 34.8
43.1 39.4 42.0 46.2 41.3 40.2 37.3 40.3
41.1 42.8
24 From others 284.8 271.8
274.3 287.3 295.3 296.1 294.7 280.3 286.9 267.3
274.2 283.2

25 Net due to related foreign offices -75.7 -92.8


-110.4 -130.6 -150.7 -153.7 -169.2 -173.5 -174.6 -173.3
-175.9 -167.6

26 Other liabilities 103.7 101.8


99.3 101.7 105.0 102.2 106.5 101.6 104.9 99.4
105.0 97.9

27 TOTAL LIABILITIES 767.4 753.1


742.1 750.6 755.1 757.8 748.2 736.4 737.9 722.0
729.0 765.2

28 Residual (assets less liabilities) (8) 10.0 -6.2


-6.3 3.7 3.9 3.0 1.8 11.6 11.4 12.1
14.6 10.6

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

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
June 14, 2004
Account 2003 2003 2003
2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

A S S E T S

1 Bank credit 664.1 632.3


634.9 641.9 652.1 655.5 638.5 619.0 622.2 600.4
612.1 640.0

2 Securities in bank credit (2) 282.9 263.7


265.9 261.3 265.6 265.1 262.4 255.0 251.6 250.1
254.9 260.6
3 Treasury and Agency securities 124.0 97.7
99.2 98.3 99.5 96.3 95.2 92.4 90.4 91.6
92.9 92.6
3a Trading account 41.8 32.7
35.2 33.6 35.5 34.0 33.7 32.2 30.3 31.8
31.7 33.3
3b Investment account 82.2 65.0
64.0 64.7 64.0 62.3 61.5 60.2 60.1 59.8
61.2 59.3
4 Other securities 158.9 166.0
166.7 163.0 166.1 168.8 167.2 162.6 161.2 158.5
162.0 168.0
4a Trading account 104.5 103.4
101.9 96.4 98.3 100.0 96.8 99.6 97.8 97.2
100.1 106.3
4b Investment account 54.4 62.6
64.8 66.6 67.7 68.8 70.4 63.1 63.4 61.3
61.9 61.7

5 Loans and leases in bank credit (3) 381.2 368.6


369.0 380.6 386.5 390.4 376.1 364.0 370.6 350.3
357.3 379.4
6 Commercial and industrial 164.8 131.9
137.3 137.9 138.2 135.8 131.9 130.1 130.1 130.5
130.2 129.8
7 Real estate 19.1 22.1
17.8 17.1 17.1 17.1 17.3 16.8 17.1 17.1
16.4 16.5
11 Security (4) 122.1 139.8
130.6 134.9 141.3 149.2 141.6 131.5 139.5 116.2
124.5 145.5
12 Other loans and leases 75.2 74.8
83.2 90.8 90.0 88.3 85.4 85.5 83.9 86.5
86.2 87.7

13 Interbank loans 29.4 36.7


31.7 35.5 32.5 30.6 33.5 35.9 39.1 33.8
34.7 34.7

14 Cash assets (5) 48.7 51.4


51.3 54.9 56.3 58.3 63.7 66.5 67.3 69.2
68.9 60.4

15 Other assets (6) 33.0 28.0


27.3 27.0 21.2 18.5 19.0 24.1 19.1 25.8
24.0 38.4

16 TOTAL ASSETS (7) 774.8 748.0


744.8 759.0 761.7 762.5 754.2 745.0 747.2 728.6
739.4 773.2

L I A B I L I T I E S

17 Deposits 429.5 426.9


435.0 458.7 469.7 471.5 484.5 498.9 493.9 497.8
497.2 520.4
18 Transaction 9.8 10.8
11.3 12.2 11.8 11.3 11.1 11.1 11.0 10.8
11.2 11.3
19 Nontransaction 419.7 416.2
423.6 446.5 457.8 460.2 473.4 487.8 482.9 487.0
486.0 509.2

22 Borrowings 319.5 306.6


317.4 326.7 337.3 342.3 336.0 320.5 324.3 307.5
315.3 326.0
23 From banks in the U.S. 34.6 34.8
43.1 39.4 42.0 46.2 41.3 40.2 37.3 40.3
41.1 42.8
24 From others 284.8 271.8
274.3 287.3 295.3 296.1 294.7 280.3 286.9 267.3
274.2 283.2

25 Net due to related foreign offices -77.8 -90.2


-108.8 -129.9 -151.1 -154.2 -171.6 -175.3 -175.7 -175.2
-177.6 -170.0

26 Other liabilities 102.0 103.9


100.6 102.3 104.7 101.7 104.4 100.0 103.9 97.6
103.5 95.8

27 TOTAL LIABILITIES 773.2 747.2


744.1 757.9 760.6 761.3 753.3 744.1 746.3 727.7
738.4 772.2

28 Residual (assets less liabilities) (8) 1.6 0.8


0.7 1.1 1.1 1.1 1.0 0.9 0.9 0.9
0.9 0.9
-------------------------------------------------

Footnotes appear on page 14.

H.8 (510)
Page 13
MEMO ITEMS
Not seasonally adjusted, billions of dollars
June 14, 2004

Account 2003 2003 2003


2004 2004 2004 2004 2004 Week ending
May Nov Dec
Jan Feb Mar Apr May May 12 May 19 May 26
Jun 2
-------- --------
-------- -------- -------- -------- -------- -------- ------- -------
------- -------

LARGE DOMESTICALLY CHARTERED BANKS, adjusted for mergers

29 Reval. gains on off-bal. sheet items (9) 124.4 112.4


120.0 125.7 125.6 129.4 106.9 101.8 101.6 103.6
102.0 100.2

30 Reval. losses on off-bal. sheet items (9) 105.2 94.5


103.7 110.5 114.7 118.9 93.2 85.7 86.0 87.1
84.9 83.7

31 Mortgage-backed securities (10) 436.4 414.0


412.2 411.7 468.5 501.0 497.9 486.7 489.0 481.3
480.9 482.1
31a Pass-through 321.2 298.4
294.2 293.0 347.6 379.6 383.0 376.9 376.9 372.8
374.5 374.5
31b CMO, REMIC, and other 115.2 115.5
118.0 118.7 120.9 121.4 114.9 109.8 112.0 108.5
106.4 107.6

32 Net unrealized gains (losses) on


available-for-sale securities (11) 11.1 3.1
3.6 4.8 8.5 13.3 5.1 -5.6 -6.2 -7.0
-5.0 -5.7

33 Securitized consumer loans (12) 129.8 137.7


138.5 140.0 139.4 141.3 139.1 136.4 136.6 135.2
135.9 137.7
33a Credit card and related plans 112.4 118.8
119.3 120.8 120.4 121.1 119.4 117.2 117.2 115.9
116.8 118.6
33b Other 17.4 18.9
19.3 19.2 18.9 20.2 19.8 19.3 19.4 19.3
19.2 19.1
35 Securitized business loans (12) 10.2 7.5
7.2 7.2 7.1 7.0 7.1 7.4 7.4 7.4
7.4 7.4

SMALL DOMESTICALLY CHARTERED BANKS, adjusted for mergers

31 Mortgage-backed securities (10) 329.4 325.1


331.6 328.4 327.7 332.9 336.1 336.7 336.4 337.0
335.7 336.3

33 Securitized consumer loans (12) 231.0 231.4


232.1 234.3 231.6 232.5 229.5 224.7 226.9 223.0
223.9 223.7
33a Credit card and related plans 223.6 224.0
224.7 226.7 224.1 225.3 222.4 217.5 219.8 215.7
216.6 216.4
33b Other 7.4 7.4
7.4 7.6 7.4 7.2 7.1 7.2 7.1 7.3
7.3 7.3

FOREIGN-RELATED INSTITUTIONS

29 Reval. gains on off-bal. sheet items (9) 72.5 63.9


63.9 63.7 62.9 61.9 58.6 60.7 62.2 59.9
59.9 61.0

30 Reval. losses on off-bal. sheet items (9) 72.6 66.3


66.9 68.4 69.2 68.0 65.0 62.5 67.7 59.3
59.2 60.0

34 Securitized business loans (12) 3.0 1.3


1.2 0.9 0.4 0.4 0.4 0.4 0.4 0.4
0.4 0.4

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

Footnotes appear on page 14.

H.8 (510) Footnotes


Page 14

June 14, 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.