Assets and Liabilities of Commercial Banks in the United States - H.8

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Release Date: January 10, 2020

Notes on the Data (billions of dollars)

Domestically chartered commercial banks acquired $8.8 billion in assets and liabilities of nonbank institutions in the week ending January 1, 2020. The major asset items affected were: Treasury and agency securities, mortgage-backed securities (MBS), $1.3; commercial and industrial loans, $0.8; real estate loans, residential real estate loans, closed-end residential loans, $2.4; real estate loans, commercial real estate loans, construction and land development loans, $0.5; real estate loans, commercial real estate loans, secured by multifamily properties, $0.5; real estate loans, commercial real estate loans, secured by nonfarm nonresidential properties, $1.5; other loans and leases, all other loans and leases, $0.7; and other asset item(s), $1.1. The major liability items affected were: deposits, large time deposits, $0.8; deposits, other deposits, $6.0; borrowings, $0.9; and other liability item(s), $0.1. The residual (assets less liabilities) increased $1.0.

H.8; Page 1

January 10, 2020

Selected Assets and Liabilities of Commercial Banks in the United States 1
Percent change at break adjusted, seasonally adjusted, annual rate
Account 2015
2016
2017
2018
2019
2018
Q3 		2018
Q4 		2019
Q1 		2019
Q2 		2019
Q3 		2019
Q4 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec
Assets
1  Bank credit  7.5   6.8   3.0   3.5   6.0   4.2   4.6   6.7   5.5   6.1   5.0   7.6   2.9   6.2   0.8 
2  Securities in bank credit 2  6.1   7.9   1.8   0.8   10.3   4.1   3.9   9.3   9.6   11.1   9.7   20.5   3.7   12.1   -3.4 
3  Treasury and agency securities 3  9.0   10.1   2.7   3.6   14.2   5.9   7.6   14.5   11.8   16.0   11.8   26.1   5.4   12.5   -7.1 
6  Other securities  -0.5   2.3   -0.5   -7.0   -1.9   -1.3   -7.2   -6.9   2.1   -5.3   2.4   0.1   -2.1   10.7   10.4 
9  Loans and leases in bank credit 8  8.1   6.4   3.4   4.4   4.4   4.3   4.8   5.8   4.0   4.2   3.2   2.8   2.5   4.0   2.5 
10  Commercial and industrial loans  10.5   5.8   1.0   6.5   3.5   6.3   9.3   10.0   2.5   3.1   -1.6   -3.8   -4.6   2.5   -4.8 
11  Real estate loans  5.6   6.5   3.7   3.4   3.3   3.6   2.7   2.5   3.5   3.1   4.0   3.7   4.4   4.4   3.6 
12  Residential real estate loans  1.3   3.3   1.5   2.0   2.2   2.4   1.4   1.5   2.6   2.3   2.3   0.9   3.5   3.0   1.4 
13  Revolving home equity loans  -4.2   -6.2   -7.5   -8.3   -8.9   -9.1   -7.1   -8.1   -8.6   -9.4   -10.7   -9.7   -12.0   -11.0   -11.9 
14  Closed-end residential loans 9  2.9   5.8   3.6   4.2   4.3   4.7   3.0   3.3   4.6   4.3   4.5   2.7   6.1   5.4   3.5 
15  Commercial real estate loans  11.3   10.3   6.1   4.9   4.5   4.8   4.0   3.6   4.3   3.9   5.8   6.6   5.2   5.7   5.8 
20  Consumer loans  6.2   7.0   4.2   4.0   5.2   3.3   4.4   4.5   6.3   5.4   4.1   4.3   4.4   1.6   6.4 
21  Credit cards and other revolving plans  5.7   6.4   5.1   4.2   3.4   3.7   4.1   3.4   4.7   3.4   1.9   1.7   3.0   -2.9   6.2 
22  Other consumer loans  6.6   7.7   3.1   3.9   7.2   2.8   4.7   5.6   8.0   7.8   6.7   7.2   6.1   6.7   6.6 
25  All other loans and leases  15.0   6.1   5.6   4.8   8.5   4.4   4.9   10.5   6.0   8.5   7.9   9.1   6.2   7.5   6.6 
28  LESS: Allowance for loan and lease losses  -3.7   2.8   0.5   -0.6   1.2   -1.1   -2.2   2.5   2.2   0.4   -0.4   0.0   3.2   0.0   -15.0 
29  Cash assets 18  -8.0   -14.3   7.3   -19.3   -12.9   -21.1   -22.4   -28.4   -24.8   -16.2   16.6   -29.2   32.0   24.6   72.4 
30  Total federal funds sold and reverse RPs 19  -0.2   2.7   9.8   37.2   26.4   26.1   64.2   50.0   40.0   21.9   -12.6   18.3   8.5   -53.4   -69.5 
31  Loans to commercial banks 20  10.6   18.3   -2.2   11.3   -48.0   24.3   -22.9   37.8   -108.6   -128.8   -15.0   14.8   -117.1   48.6   46.8 
32  Other assets including trading assets 21  -1.6   1.6   1.5   0.1   1.7   -6.4   0.6   -6.3   6.6   10.4   -3.6   -27.0   -0.7   -5.2   5.5 
33  Total assets  3.6   2.7   3.6   0.8   4.1   0.7   2.8   3.2   3.7   4.9   4.6   1.7   5.5   4.2   5.0 
Liabilities
34  Deposits  4.9   4.4   4.5   2.7   6.2   3.3   3.3   4.7   6.1   5.4   8.0   8.0   9.0   10.6   2.6 
35  Large time deposits  0.5   -10.9   7.1   4.5   8.9   9.0   11.1   13.9   7.3   2.1   11.3   9.5   12.3   13.6   8.4 
36  Other deposits  5.8   7.2   4.2   2.4   5.7   2.4   2.1   3.3   5.9   5.9   7.4   7.8   8.5   10.1   1.6 
37  Borrowings  6.3   3.9   3.5   -5.3   -1.1   -13.5   -0.7   -3.0   -0.3   1.5   -2.7   -5.6   -6.8   0.1   2.3 
39  Other liabilities including trading liabilities 22  -5.8   -2.3   -9.1   6.1   8.8   -3.6   9.6   -10.7   21.0   17.6   7.0   -18.9   10.6   6.0   5.8 
40  Total liabilities  3.2   2.6   3.6   0.7   4.1   0.0   2.6   2.4   4.0   4.3   5.2   1.9   6.5   5.5   4.7 
Percent changes are at a simple annual rate and have been adjusted to remove the effects of nonbank structure activity of $5 billion or more, as well as the estimated effects of the initial consolidation of certain variable interest entities (FIN 46) and off-balance-sheet vehicles (FAS 166/167). Figures reported in the H.8 Notes on the Data are generally used to make these adjustments. For information on how the data were constructed, see www.federalreserve.gov/releases/h8/about.htm. Line numbers on this page correspond to those used in the remainder of the release. Percent changes for other series shown on the release are available for customizable download through the Federal Reserve Board's Data Download Program (DDP). Footnotes appear on the last page of the release.
H.8; Page 2

Assets and Liabilities of Commercial Banks in the United States 1
Seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  13,066.0   13,470.0   13,520.6   13,610.6   13,695.5   13,729.3   13,808.6   13,819.9   13,857.8   13,807.6   13,805.3   13,790.2 
2  Securities in bank credit 2  3,495.2   3,657.8   3,682.2   3,726.4   3,788.7   3,795.7   3,834.3   3,823.7   3,846.3   3,810.8   3,811.5   3,804.4 
3  Treasury and agency securities 3  2,663.8   2,827.7   2,857.6   2,904.6   2,967.9   2,981.1   3,012.3   2,994.6   3,018.3   2,981.6   2,979.4   2,975.3 
4  Mortgage-backed securities (MBS) 4  1,870.6   1,989.8   2,000.0   2,011.3   2,041.6   2,060.5   2,087.0   2,070.4   2,094.6   2,053.5   2,060.5   2,056.1 
5  Non-MBS 5  793.2   837.9   857.6   893.3   926.3   920.6   925.3   924.3   923.8   928.1   918.9   919.1 
6  Other securities  831.4   830.1   824.6   821.8   820.8   814.5   821.9   829.1   828.0   829.3   832.1   829.1 
7  Mortgage-backed securities (MBS) 6  73.5   78.2   78.1   78.2   77.3   76.6   76.5   76.7   76.8   76.4   77.1   76.3 
8  Non-MBS 7  757.9   751.9   746.6   743.6   743.5   737.9   745.5   752.4   751.1   752.9   755.0   752.9 
9  Loans and leases in bank credit 8  9,570.7   9,812.2   9,838.4   9,884.2   9,906.9   9,933.7   9,974.3   9,996.2   10,011.4   9,996.8   9,993.9   9,985.8 
10  Commercial and industrial loans  2,298.6   2,350.2   2,357.3   2,370.3   2,362.6   2,353.7   2,359.2   2,349.8   2,356.8   2,356.4   2,346.5   2,334.2 
11  Real estate loans  4,414.8   4,506.0   4,514.9   4,527.0   4,541.0   4,557.7   4,578.5   4,593.2   4,601.4   4,585.6   4,591.1   4,594.9 
12  Residential real estate loans  2,227.9   2,263.8   2,268.5   2,270.3   2,271.9   2,278.6   2,286.2   2,289.4   2,297.7   2,284.0   2,288.4   2,287.4 
13  Revolving home equity loans  349.0   337.1   334.2   331.9   329.2   325.9   323.4   320.3   321.1   320.2   319.4   319.2 
14  Closed-end residential loans 9  1,878.9   1,926.7   1,934.3   1,938.4   1,942.7   1,952.7   1,962.8   1,969.1   1,976.5   1,963.7   1,969.0   1,968.2 
15  Commercial real estate loans  2,186.9   2,242.2   2,246.4   2,256.7   2,269.1   2,279.1   2,292.3   2,303.7   2,303.8   2,301.7   2,302.6   2,307.5 
16  Construction and land development loans 10  341.2   347.5   347.9   348.7   349.3   349.5   349.3   349.2   348.6   348.7   349.4   349.7 
17  Secured by farmland 11  102.2   103.6   101.9   102.1   102.2   102.5   102.7   102.6   102.8   102.6   102.7   102.1 
18  Secured by multifamily properties 12  356.0   372.2   374.3   377.0   379.9   382.6   384.9   388.9   389.3   388.8   387.9   389.6 
19  Secured by nonfarm nonresidential properties 13  1,387.5   1,418.8   1,422.4   1,428.9   1,437.7   1,444.4   1,455.5   1,463.1   1,463.2   1,461.6   1,462.6   1,466.1 
20  Consumer loans  1,497.7   1,543.2   1,550.3   1,557.3   1,562.8   1,574.4   1,579.3   1,587.7   1,586.6   1,584.6   1,591.2   1,591.7 
21  Credit cards and other revolving plans  806.2   823.8   826.0   828.6   829.7   837.6   838.0   842.3   842.2   840.1   845.0   844.0 
22  Other consumer loans  691.5   719.4   724.2   728.7   733.1   736.8   741.3   745.4   744.5   744.5   746.2   747.7 
23  Automobile loans 14  423.5   436.8   439.5   441.8   444.3   446.1   448.2   449.5   449.8   448.9   449.3   450.1 
24  All other consumer loans 15  267.9   282.6   284.8   286.9   288.7   290.7   293.0   295.9   294.6   295.6   297.0   297.6 
25  All other loans and leases  1,359.6   1,412.8   1,415.9   1,429.6   1,440.4   1,447.9   1,457.3   1,465.5   1,466.6   1,470.2   1,465.1   1,465.0 
26  Loans to nondepository financial institutions 16  496.6   536.5   541.2   552.2   559.1   561.4   568.1   575.7   577.1   577.4   574.2   577.6 
27  All loans not elsewhere classified 17  863.0   876.2   874.7   877.4   881.4   886.5   889.2   889.8   889.5   892.8   890.9   887.4 
28  LESS: Allowance for loan and lease losses  110.2   111.7   111.8   111.9   112.0   112.2   112.3   110.8   110.8   110.7   110.6   110.1 
H.8; Page 3

Assets and Liabilities of Commercial Banks in the United States 1
Seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  1,932.5   1,709.7   1,673.0   1,659.0   1,618.4   1,655.5   1,687.1   1,788.9   1,786.9   1,824.0   1,810.3   1,764.7 
30  Total federal funds sold and reverse RPs 19  675.7   798.5   807.5   808.1   820.4   826.2   789.4   743.7   730.3   756.5   745.9   734.0 
31  Loans to commercial banks 20  15.2   9.0   7.6   8.1   8.2   7.4   7.7   8.0   8.4   8.2   7.9   7.1 
32  Other assets including trading assets 21  1,406.5   1,475.3   1,481.3   1,518.6   1,484.2   1,482.1   1,476.3   1,483.2   1,491.0   1,484.8   1,483.5   1,478.6 
33  Total assets  16,985.6   17,350.9   17,378.3   17,492.5   17,514.8   17,588.4   17,656.7   17,732.8   17,763.5   17,770.4   17,742.4   17,664.5 
Liabilities
34  Deposits  12,420.5   12,798.5   12,831.3   12,875.7   12,961.9   13,059.3   13,180.2   13,209.8   13,226.7   13,232.5   13,207.9   13,169.7 
35  Large time deposits  1,699.6   1,771.6   1,782.0   1,796.5   1,810.6   1,828.8   1,850.7   1,863.7   1,862.1   1,865.8   1,860.1   1,871.8 
36  Other deposits  10,720.9   11,027.0   11,049.3   11,079.3   11,151.4   11,230.5   11,329.5   11,346.1   11,364.6   11,366.7   11,347.8   11,297.9 
37  Borrowings  1,964.8   1,999.1   1,998.3   2,006.5   1,996.9   1,984.2   1,984.4   1,988.4   1,995.5   1,986.6   2,007.6   1,947.7 
38  Net due to related foreign offices  121.1   2.1   -40.4   -16.6   -59.8   -70.5   -117.5   -91.3   -107.3   -60.7   -104.3   -73.5 
39  Other liabilities including trading liabilities 22  582.7   624.9   621.6   649.6   638.9   642.0   645.2   648.3   654.5   641.3   656.9   640.7 
40  Total liabilities  15,089.1   15,424.7   15,410.9   15,515.2   15,538.0   15,615.0   15,692.3   15,755.2   15,769.4   15,799.6   15,768.2   15,684.6 
41  Residual (assets less liabilities) 23  1,896.5   1,926.2   1,967.4   1,977.3   1,976.8   1,973.4   1,964.5   1,977.6   1,994.1   1,970.8   1,974.2   1,979.9 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -35.0   9.1   12.8   24.3   20.8   19.9   18.3   16.3   17.8   14.3   14.3   17.8 
43  U.S. Treasury and agency securities, MBS 25  -27.8   6.3   9.1   17.2   15.0   14.1   13.2   11.6   12.5   9.9   9.8   13.4 
H.8; Page 4

Assets and Liabilities of Commercial Banks in the United States 1
Not seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  13,132.4   13,465.9   13,506.4   13,593.2   13,686.7   13,741.2   13,843.9   13,889.9   13,886.1   13,868.3   13,905.9   13,897.6 
2  Securities in bank credit 2  3,508.7   3,646.7   3,666.2   3,720.0   3,784.4   3,800.4   3,854.8   3,836.7   3,856.9   3,823.0   3,822.7   3,821.0 
3  Treasury and agency securities 3  2,677.0   2,819.0   2,844.3   2,898.3   2,961.1   2,980.7   3,028.4   3,007.0   3,026.4   2,993.5   2,991.1   2,993.3 
4  Mortgage-backed securities (MBS) 4  1,877.7   1,991.6   1,997.6   2,009.9   2,040.5   2,061.0   2,095.0   2,077.6   2,097.1   2,062.9   2,064.6   2,067.2 
5  Non-MBS 5  799.3   827.4   846.7   888.5   920.6   919.7   933.4   929.4   929.3   930.5   926.6   926.2 
6  Other securities  831.6   827.7   822.0   821.6   823.2   819.8   826.4   829.7   830.5   829.6   831.5   827.6 
7  Mortgage-backed securities (MBS) 6  72.8   79.0   78.7   78.4   77.2   76.4   76.0   75.9   76.2   75.3   76.3   75.4 
8  Non-MBS 7  758.9   748.7   743.3   743.2   746.1   743.3   750.4   753.8   754.3   754.2   755.3   752.2 
9  Loans and leases in bank credit 8  9,623.7   9,819.3   9,840.1   9,873.2   9,902.3   9,940.7   9,989.1   10,053.2   10,029.2   10,045.3   10,083.2   10,076.6 
10  Commercial and industrial loans  2,298.2   2,360.1   2,353.9   2,355.9   2,348.1   2,344.9   2,353.2   2,350.2   2,337.3   2,354.9   2,363.0   2,350.1 
11  Real estate loans  4,423.1   4,506.7   4,522.3   4,532.4   4,545.5   4,568.4   4,589.4   4,602.2   4,614.6   4,592.3   4,597.9   4,601.5 
12  Residential real estate loans  2,233.2   2,263.7   2,274.3   2,278.4   2,277.6   2,286.7   2,294.2   2,295.1   2,308.3   2,285.5   2,291.0   2,291.9 
13  Revolving home equity loans  350.1   337.1   333.9   331.6   329.5   326.3   323.7   321.3   321.9   321.4   320.7   320.3 
14  Closed-end residential loans 9  1,883.0   1,926.7   1,940.4   1,946.8   1,948.1   1,960.4   1,970.5   1,973.9   1,986.3   1,964.1   1,970.3   1,971.6 
15  Commercial real estate loans  2,189.9   2,242.9   2,248.0   2,254.0   2,267.9   2,281.7   2,295.2   2,307.0   2,306.3   2,306.8   2,306.9   2,309.6 
16  Construction and land development loans 10  342.3   347.3   347.9   348.2   348.5   349.3   351.2   350.3   351.0   350.4   349.9   348.6 
17  Secured by farmland 11  102.2   103.8   102.1   102.3   102.5   102.7   102.5   102.6   102.6   102.6   102.8   102.4 
18  Secured by multifamily properties 12  357.1   371.9   374.4   376.2   379.6   383.6   385.9   389.9   390.0   390.2   389.7   390.2 
19  Secured by nonfarm nonresidential properties 13  1,388.4   1,419.9   1,423.6   1,427.3   1,437.3   1,446.1   1,455.6   1,464.2   1,462.7   1,463.6   1,464.5   1,468.5 
20  Consumer loans  1,527.8   1,537.6   1,545.1   1,558.8   1,566.9   1,576.4   1,589.1   1,618.7   1,610.3   1,614.0   1,630.2   1,629.7 
21  Credit cards and other revolving plans  835.0   819.9   821.4   828.6   829.6   834.9   844.6   872.0   864.0   868.0   883.1   882.0 
22  Other consumer loans  692.8   717.7   723.7   730.2   737.3   741.4   744.6   746.7   746.4   746.0   747.2   747.7 
23  Automobile loans 14  424.2   435.9   439.5   443.1   446.5   448.2   449.5   450.1   450.8   449.6   449.9   450.1 
24  All other consumer loans 15  268.6   281.8   284.2   287.1   290.7   293.2   295.1   296.6   295.6   296.4   297.3   297.6 
25  All other loans and leases  1,374.6   1,414.8   1,418.7   1,426.1   1,441.8   1,451.0   1,457.4   1,482.1   1,467.0   1,484.0   1,492.2   1,495.3 
26  Loans to nondepository financial institutions 16  504.6   535.2   544.0   552.5   562.8   567.0   573.2   584.3   581.3   586.2   584.9   588.8 
27  All loans not elsewhere classified 17  870.0   879.6   874.7   873.6   879.1   884.0   884.3   897.8   885.7   897.8   907.3   906.5 
28  LESS: Allowance for loan and lease losses  110.2   111.9   111.5   111.6   111.9   112.2   112.3   110.8   111.2   111.0   110.3   109.6 
H.8; Page 5

Assets and Liabilities of Commercial Banks in the United States 1
Not seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  1,916.0   1,684.0   1,665.4   1,677.9   1,613.3   1,661.2   1,717.5   1,780.0   1,843.5   1,810.2   1,769.4   1,700.9 
30  Total federal funds sold and reverse RPs 19  698.0   801.4   793.8   810.9   806.9   797.9   791.6   771.4   751.7   789.1   767.2   762.8 
31  Loans to commercial banks 20  15.2   9.2   7.4   7.7   8.0   7.1   7.4   7.9   8.0   8.1   8.1   7.5 
32  Other assets including trading assets 21  1,399.5   1,481.0   1,480.6   1,524.5   1,492.0   1,485.1   1,483.1   1,477.2   1,505.9   1,481.9   1,462.9   1,459.2 
33  Total assets  17,050.8   17,329.6   17,342.1   17,502.6   17,494.9   17,580.2   17,731.1   17,815.6   17,883.9   17,846.6   17,803.1   17,718.3 
Liabilities
34  Deposits  12,517.5   12,756.9   12,796.7   12,854.3   12,938.0   13,051.1   13,209.8   13,319.0   13,323.7   13,329.3   13,313.0   13,326.2 
35  Large time deposits  1,677.8   1,781.3   1,782.1   1,795.5   1,800.8   1,812.6   1,833.2   1,842.9   1,845.1   1,839.9   1,838.4   1,845.6 
36  Other deposits  10,839.7   10,975.6   11,014.6   11,058.7   11,137.2   11,238.5   11,376.6   11,476.2   11,478.7   11,489.3   11,474.6   11,480.6 
37  Borrowings  1,946.1   1,998.8   2,003.8   2,008.7   1,990.0   1,971.8   1,987.5   1,970.1   1,987.1   1,972.0   1,989.6   1,913.2 
38  Net due to related foreign offices  117.6   -6.4   -36.9   -2.4   -67.9   -64.7   -95.4   -92.5   -76.3   -59.8   -113.4   -121.9 
39  Other liabilities including trading liabilities 22  579.4   623.5   613.5   658.2   655.0   654.0   661.4   645.1   673.3   631.8   636.3   630.6 
40  Total liabilities  15,160.6   15,372.9   15,377.1   15,518.8   15,515.2   15,612.2   15,763.4   15,841.7   15,907.8   15,873.3   15,825.6   15,748.2 
41  Residual (assets less liabilities) 23  1,890.2   1,956.7   1,965.0   1,983.8   1,979.8   1,968.0   1,967.7   1,973.8   1,976.1   1,973.4   1,977.5   1,970.1 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -35.0   9.1   12.8   24.3   20.8   19.9   18.3   16.3   17.8   14.3   14.3   17.8 
43  U.S. Treasury and agency securities, MBS 25  -27.8   6.3   9.1   17.2   15.0   14.1   13.2   11.6   12.5   9.9   9.8   13.4 
H.8; Page 6

Assets and Liabilities of Domestically Chartered Commercial Banks in the United States 1
Seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  12,053.8   12,433.0   12,481.9   12,560.7   12,644.1   12,693.7   12,772.9   12,785.0   12,822.6   12,766.4   12,774.5   12,758.6 
2  Securities in bank credit 2  3,222.4   3,377.3   3,403.7   3,437.6   3,498.4   3,518.2   3,565.6   3,558.4   3,579.6   3,544.7   3,549.6   3,540.9 
3  Treasury and agency securities 3  2,492.3   2,649.4   2,679.6   2,716.5   2,775.6   2,794.0   2,834.1   2,819.0   2,840.7   2,805.8   2,807.4   2,801.6 
4  Mortgage-backed securities (MBS) 4  1,843.9   1,961.0   1,970.3   1,977.5   2,006.9   2,024.0   2,049.6   2,033.4   2,054.6   2,018.6   2,025.6   2,019.4 
5  Non-MBS 5  648.3   688.4   709.3   739.0   768.8   770.0   784.5   785.6   786.1   787.1   781.8   782.2 
6  Other securities  730.1   727.9   724.1   721.0   722.8   724.2   731.5   739.4   738.9   739.0   742.2   739.3 
7  Mortgage-backed securities (MBS) 6  71.7   76.4   76.2   76.5   75.6   75.0   74.7   74.8   75.0   74.4   75.1   74.4 
8  Non-MBS 7  658.5   651.5   647.9   644.5   647.2   649.2   656.8   664.6   663.9   664.5   667.0   664.9 
9  Loans and leases in bank credit 8  8,831.4   9,055.7   9,078.2   9,123.1   9,145.7   9,175.5   9,207.3   9,226.7   9,243.1   9,221.7   9,224.9   9,217.7 
10  Commercial and industrial loans  1,911.5   1,953.5   1,961.8   1,973.4   1,969.6   1,963.9   1,963.2   1,953.3   1,960.0   1,957.9   1,950.6   1,938.9 
11  Real estate loans  4,333.7   4,422.7   4,431.6   4,444.9   4,458.9   4,473.6   4,495.7   4,511.1   4,520.3   4,504.2   4,509.3   4,511.4 
12  Residential real estate loans  2,226.8   2,262.3   2,266.9   2,268.6   2,270.4   2,277.0   2,285.0   2,288.1   2,296.3   2,282.6   2,287.2   2,286.2 
13  Revolving home equity loans  348.7   336.9   334.0   331.7   329.0   325.7   323.2   320.0   320.8   320.0   319.1   318.8 
14  Closed-end residential loans 9  1,878.1   1,925.4   1,932.8   1,936.9   1,941.4   1,951.3   1,961.8   1,968.1   1,975.5   1,962.6   1,968.0   1,967.3 
15  Commercial real estate loans  2,106.9   2,160.4   2,164.7   2,176.3   2,188.5   2,196.5   2,210.7   2,223.0   2,224.0   2,221.7   2,222.1   2,225.3 
16  Construction and land development loans 10  329.3   334.9   335.4   336.0   336.6   336.8   337.1   337.6   337.0   337.5   338.0   337.9 
17  Secured by farmland 11  102.1   103.4   101.7   101.9   102.0   102.3   102.5   102.4   102.6   102.4   102.5   101.9 
18  Secured by multifamily properties 12  349.6   363.8   365.9   368.8   371.5   374.0   375.5   379.4   379.4   379.5   379.1   380.1 
19  Secured by nonfarm nonresidential properties 13  1,325.9   1,358.3   1,361.8   1,369.6   1,378.3   1,383.4   1,395.6   1,403.6   1,404.9   1,402.3   1,402.6   1,405.4 
20  Consumer loans  1,494.8   1,539.7   1,546.8   1,553.7   1,559.3   1,570.9   1,576.0   1,584.4   1,583.3   1,581.2   1,587.9   1,588.3 
21  Credit cards and other revolving plans  806.2   823.8   826.0   828.6   829.7   837.6   838.0   842.3   842.2   840.1   845.0   844.0 
22  Other consumer loans  688.5   715.9   720.8   725.2   729.5   733.3   738.0   742.0   741.2   741.0   742.8   744.3 
23  Automobile loans 14  423.5   436.8   439.5   441.8   444.3   446.1   448.2   449.5   449.8   448.9   449.3   450.1 
24  All other consumer loans 15  265.0   279.1   281.3   283.3   285.2   287.2   289.8   292.6   291.3   292.2   293.6   294.1 
25  All other loans and leases  1,091.4   1,139.7   1,137.9   1,151.1   1,158.0   1,167.1   1,172.4   1,177.9   1,179.4   1,178.4   1,177.2   1,179.1 
26  Loans to nondepository financial institutions 16  387.0   419.0   421.3   432.4   439.7   443.6   449.4   457.4   459.8   459.6   455.2   457.5 
27  All loans not elsewhere classified 17  704.4   720.7   716.6   718.7   718.3   723.5   723.0   720.4   719.6   718.8   722.0   721.6 
28  LESS: Allowance for loan and lease losses  108.8   110.7   110.9   110.9   111.0   111.4   111.0   109.5   109.3   109.3   109.3   109.0 
H.8; Page 7

Assets and Liabilities of Domestically Chartered Commercial Banks in the United States 1
Seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  1,192.1   1,119.7   1,107.9   1,092.4   1,055.5   1,099.7   1,111.4   1,137.2   1,166.7   1,170.0   1,121.4   1,107.8 
30  Total federal funds sold and reverse RPs 19  312.8   355.0   349.5   353.0   354.5   368.5   332.7   310.6   290.6   315.5   310.4   322.6 
31  Loans to commercial banks 20  12.8   6.6   5.0   5.3   5.5   5.4   5.5   5.9   6.3   6.1   5.9   5.3 
32  Other assets including trading assets 21  1,279.6   1,343.5   1,351.6   1,378.8   1,345.4   1,343.2   1,348.9   1,354.1   1,365.5   1,357.9   1,348.4   1,348.5 
33  Total assets  14,742.4   15,147.1   15,185.0   15,279.3   15,294.1   15,399.1   15,460.5   15,483.4   15,542.3   15,506.7   15,451.3   15,433.8 
Liabilities
34  Deposits  11,425.7   11,782.8   11,828.3   11,864.7   11,943.4   12,017.7   12,108.0   12,118.5   12,142.1   12,144.8   12,103.5   12,084.5 
35  Large time deposits  994.7   1,045.6   1,057.7   1,065.7   1,081.1   1,078.3   1,076.7   1,070.6   1,072.8   1,075.6   1,064.9   1,067.0 
36  Other deposits  10,431.0   10,737.2   10,770.7   10,799.0   10,862.4   10,939.4   11,031.3   11,047.8   11,069.3   11,069.2   11,038.6   11,017.5 
37  Borrowings  1,106.8   1,113.9   1,106.3   1,097.9   1,094.5   1,094.8   1,085.1   1,083.6   1,087.5   1,081.1   1,074.5   1,090.2 
38  Net due to related foreign offices  -124.8   -174.8   -203.8   -165.6   -208.9   -191.8   -213.0   -222.7   -209.2   -212.6   -234.8   -242.3 
39  Other liabilities including trading liabilities 22  464.5   501.7   502.7   528.0   517.3   521.8   535.2   539.7   546.6   534.9   548.6   531.9 
40  Total liabilities  12,872.2   13,223.7   13,233.5   13,325.0   13,346.3   13,442.5   13,515.3   13,519.0   13,567.0   13,548.1   13,491.9   13,464.3 
41  Residual (assets less liabilities) 23  1,870.2   1,923.5   1,951.6   1,954.3   1,947.8   1,956.7   1,945.2   1,964.4   1,975.3   1,958.6   1,959.5   1,969.6 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -34.6   7.2   11.1   21.9   18.7   18.4   17.0   15.0   16.5   13.0   13.1   16.5 
43  U.S. Treasury and agency securities, MBS 25  -27.4   4.4   7.3   14.9   12.9   12.6   11.8   10.3   11.2   8.7   8.6   12.1 
H.8; Page 8

Assets and Liabilities of Domestically Chartered Commercial Banks in the United States 1
Not seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  12,117.1   12,426.9   12,467.2   12,548.0   12,643.8   12,709.7   12,811.0   12,852.9   12,854.2   12,826.8   12,868.0   12,858.4 
2  Securities in bank credit 2  3,235.0   3,366.4   3,386.2   3,429.9   3,495.9   3,523.9   3,585.0   3,571.4   3,590.2   3,559.0   3,560.0   3,556.2 
3  Treasury and agency securities 3  2,504.5   2,640.7   2,664.9   2,709.9   2,770.2   2,795.4   2,849.1   2,831.4   2,848.9   2,819.6   2,818.2   2,818.7 
4  Mortgage-backed securities (MBS) 4  1,850.3   1,961.5   1,967.1   1,976.0   2,004.8   2,024.2   2,057.7   2,039.7   2,058.3   2,026.6   2,027.6   2,028.8 
5  Non-MBS 5  654.1   679.2   697.8   733.9   765.4   771.3   791.4   791.7   790.7   793.0   790.5   789.9 
6  Other securities  730.6   725.7   721.3   720.0   725.7   728.5   735.9   739.9   741.2   739.4   741.8   737.5 
7  Mortgage-backed securities (MBS) 6  71.0   77.3   76.7   76.6   75.3   74.7   74.2   74.1   74.4   73.5   74.4   73.6 
8  Non-MBS 7  659.6   648.5   644.6   643.4   650.3   653.7   661.7   665.9   666.8   665.8   667.4   663.9 
9  Loans and leases in bank credit 8  8,882.0   9,060.5   9,081.0   9,118.1   9,147.9   9,185.8   9,226.0   9,281.6   9,264.0   9,267.8   9,308.0   9,302.1 
10  Commercial and industrial loans  1,909.0   1,962.7   1,959.1   1,961.8   1,959.9   1,958.9   1,958.5   1,951.3   1,941.6   1,953.8   1,961.3   1,949.6 
11  Real estate loans  4,340.9   4,423.0   4,439.4   4,451.4   4,464.6   4,485.2   4,506.4   4,518.8   4,531.8   4,509.3   4,515.1   4,516.7 
12  Residential real estate loans  2,232.0   2,262.2   2,272.7   2,276.7   2,276.1   2,285.3   2,292.8   2,293.8   2,306.8   2,284.1   2,289.7   2,290.6 
13  Revolving home equity loans  349.8   336.8   333.7   331.4   329.3   326.0   323.4   320.9   321.5   321.0   320.3   319.9 
14  Closed-end residential loans 9  1,882.2   1,925.4   1,939.0   1,945.3   1,946.8   1,959.2   1,969.4   1,972.9   1,985.3   1,963.1   1,969.4   1,970.7 
15  Commercial real estate loans  2,108.9   2,160.8   2,166.7   2,174.7   2,188.5   2,199.9   2,213.7   2,225.1   2,225.0   2,225.2   2,225.4   2,226.2 
16  Construction and land development loans 10  329.9   334.8   335.5   335.8   336.4   337.4   339.2   338.4   339.1   338.7   338.1   336.3 
17  Secured by farmland 11  102.2   103.6   101.9   102.1   102.3   102.5   102.3   102.4   102.4   102.4   102.6   102.2 
18  Secured by multifamily properties 12  350.7   363.4   366.1   368.2   371.4   375.1   376.8   380.6   380.2   381.0   381.0   380.7 
19  Secured by nonfarm nonresidential properties 13  1,326.0   1,359.1   1,363.2   1,368.6   1,378.4   1,384.9   1,395.3   1,403.7   1,403.2   1,403.2   1,403.7   1,406.9 
20  Consumer loans  1,524.7   1,534.2   1,541.6   1,555.3   1,563.3   1,572.8   1,585.7   1,615.2   1,606.9   1,610.5   1,626.7   1,626.2 
21  Credit cards and other revolving plans  835.0   819.9   821.4   828.6   829.6   834.9   844.6   872.0   864.0   868.0   883.1   882.0 
22  Other consumer loans  689.7   714.3   720.2   726.7   733.8   737.9   741.1   743.2   743.0   742.5   743.7   744.1 
23  Automobile loans 14  424.2   435.9   439.5   443.1   446.5   448.2   449.5   450.1   450.8   449.6   449.9   450.1 
24  All other consumer loans 15  265.5   278.4   280.7   283.6   287.2   289.7   291.7   293.1   292.2   292.9   293.8   294.0 
25  All other loans and leases  1,107.5   1,140.6   1,140.8   1,149.5   1,160.1   1,168.9   1,175.4   1,196.3   1,183.7   1,194.2   1,205.0   1,209.7 
26  Loans to nondepository financial institutions 16  394.9   419.0   425.2   432.7   441.7   446.8   454.5   467.1   464.0   468.8   467.7   471.1 
27  All loans not elsewhere classified 17  712.6   721.6   715.7   716.8   718.4   722.2   720.9   729.2   719.7   725.5   737.2   738.6 
28  LESS: Allowance for loan and lease losses  109.1   110.8   110.5   110.6   110.9   111.2   111.3   109.8   110.2   109.9   109.3   108.6 
H.8; Page 9

Assets and Liabilities of Domestically Chartered Commercial Banks in the United States 1
Not seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  1,223.6   1,103.7   1,101.1   1,097.5   1,064.1   1,098.3   1,133.0   1,166.6   1,219.1   1,193.8   1,134.1   1,124.4 
30  Total federal funds sold and reverse RPs 19  340.0   372.8   348.5   350.7   353.9   364.3   336.9   338.3   296.9   343.5   343.7   375.3 
31  Loans to commercial banks 20  13.1   6.6   5.0   5.3   5.5   5.3   5.5   6.1   6.1   6.3   6.1   5.6 
32  Other assets including trading assets 21  1,275.2   1,346.6   1,353.5   1,383.3   1,352.6   1,347.9   1,351.8   1,350.1   1,376.4   1,359.0   1,331.1   1,334.9 
33  Total assets  14,859.9   15,145.7   15,164.9   15,274.0   15,309.0   15,414.5   15,526.9   15,604.2   15,642.5   15,619.4   15,573.8   15,590.1 
Liabilities
34  Deposits  11,543.0   11,739.5   11,797.0   11,837.3   11,925.5   12,021.1   12,146.5   12,247.4   12,245.3   12,258.0   12,235.5   12,273.5 
35  Large time deposits  993.5   1,047.4   1,060.9   1,065.1   1,076.4   1,072.7   1,067.9   1,069.7   1,068.2   1,069.6   1,067.8   1,072.8 
36  Other deposits  10,549.6   10,692.1   10,736.1   10,772.3   10,849.1   10,948.4   11,078.7   11,177.6   11,177.1   11,188.4   11,167.7   11,200.8 
37  Borrowings  1,093.6   1,127.5   1,108.7   1,086.0   1,092.6   1,098.4   1,077.1   1,070.0   1,062.9   1,061.8   1,072.4   1,090.9 
38  Net due to related foreign offices  -120.5   -169.6   -196.4   -160.1   -213.2   -200.1   -202.6   -215.8   -193.5   -195.2   -229.7   -263.1 
39  Other liabilities including trading liabilities 22  463.0   499.9   499.0   535.4   532.6   535.0   547.2   538.0   560.7   530.8   527.5   528.0 
40  Total liabilities  12,979.1   13,197.3   13,208.2   13,298.6   13,337.5   13,454.3   13,568.2   13,639.6   13,675.3   13,655.4   13,605.6   13,629.4 
41  Residual (assets less liabilities) 23  1,880.8   1,948.5   1,956.7   1,975.4   1,971.5   1,960.2   1,958.7   1,964.6   1,967.2   1,964.0   1,968.1   1,960.7 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -34.6   7.2   11.1   21.9   18.7   18.4   17.0   15.0   16.5   13.0   13.1   16.5 
43  U.S. Treasury and agency securities, MBS 25  -27.4   4.4   7.3   14.9   12.9   12.6   11.8   10.3   11.2   8.7   8.6   12.1 
H.8; Page 10

Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1
Seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  7,635.8   7,929.2   7,962.7   8,021.4   8,083.2   8,110.0   8,168.4   8,161.6   8,203.7   8,143.1   8,150.4   8,126.1 
2  Securities in bank credit 2  2,322.0   2,461.0   2,483.2   2,518.9   2,573.5   2,586.5   2,629.3   2,617.9   2,643.6   2,603.9   2,605.0   2,598.2 
3  Treasury and agency securities 3  1,842.9   1,977.2   2,002.7   2,041.8   2,093.6   2,105.7   2,143.0   2,125.3   2,150.0   2,111.2   2,111.0   2,107.2 
4  Mortgage-backed securities (MBS) 4  1,365.5   1,460.0   1,464.4   1,471.3   1,495.3   1,508.6   1,529.1   1,507.7   1,531.9   1,492.9   1,497.1   1,491.8 
5  Non-MBS 5  477.5   517.2   538.4   570.5   598.3   597.1   613.9   617.5   618.1   618.4   613.9   615.5 
6  Other securities  479.0   483.8   480.5   477.1   479.9   480.8   486.2   492.6   493.7   492.7   494.1   490.9 
7  Mortgage-backed securities (MBS) 6  55.7   58.8   58.1   58.4   58.0   57.4   56.7   56.9   57.3   56.5   57.0   56.5 
8  Non-MBS 7  423.3   425.0   422.4   418.7   422.0   423.4   429.5   435.7   436.4   436.2   437.1   434.4 
9  Loans and leases in bank credit 8  5,313.8   5,468.2   5,479.4   5,502.5   5,509.6   5,523.6   5,539.1   5,543.7   5,560.1   5,539.2   5,545.3   5,528.0 
10  Commercial and industrial loans  1,274.7   1,297.4   1,302.0   1,311.7   1,306.2   1,297.7   1,296.7   1,284.2   1,291.6   1,288.8   1,281.1   1,268.2 
11  Real estate loans  2,166.4   2,179.2   2,182.0   2,180.3   2,183.8   2,190.0   2,197.7   2,205.1   2,213.5   2,198.2   2,203.1   2,205.9 
12  Residential real estate loans  1,449.6   1,455.2   1,458.1   1,454.3   1,452.9   1,456.7   1,460.4   1,464.3   1,471.2   1,457.8   1,463.7   1,464.4 
13  Revolving home equity loans  231.1   220.4   217.8   215.6   213.1   210.3   208.0   205.3   206.1   205.3   204.6   204.4 
14  Closed-end residential loans 9  1,218.5   1,234.8   1,240.3   1,238.8   1,239.8   1,246.4   1,252.4   1,258.9   1,265.1   1,252.5   1,259.1   1,260.0 
15  Commercial real estate loans  716.8   724.0   723.9   726.0   730.9   733.3   737.3   740.8   742.3   740.4   739.3   741.6 
16  Construction and land development loans 10  110.1   107.9   107.4   106.7   106.2   105.6   105.5   105.8   105.4   105.7   106.0   106.1 
17  Secured by farmland 11  8.3   8.2   8.3   8.1   8.0   7.9   7.9   7.8   7.8   7.8   7.8   7.7 
18  Secured by multifamily properties 12  160.8   163.8   164.6   166.3   167.6   168.9   169.3   170.3   169.8   170.9   170.3   170.9 
19  Secured by nonfarm nonresidential properties 13  437.6   444.1   443.6   445.0   449.2   450.9   454.7   457.0   459.3   456.1   455.3   456.8 
20  Consumer loans  1,061.9   1,151.1   1,156.2   1,162.0   1,166.5   1,177.0   1,181.9   1,186.0   1,185.8   1,183.7   1,192.1   1,183.7 
21  Credit cards and other revolving plans  598.0   667.3   668.9   671.8   673.5   681.7   684.0   685.2   686.1   683.5   690.5   680.8 
22  Other consumer loans  463.9   483.9   487.2   490.2   493.0   495.3   497.9   500.8   499.7   500.2   501.6   502.9 
23  Automobile loans 14  344.2   355.7   357.8   359.9   362.0   363.1   364.6   366.0   365.8   365.8   366.1   367.0 
24  All other consumer loans 15  119.7   128.2   129.4   130.3   131.1   132.2   133.3   134.8   133.9   134.5   135.5   135.9 
25  All other loans and leases  810.8   840.5   839.2   848.5   853.1   858.8   862.8   868.4   869.1   868.5   869.1   870.1 
26  Loans to nondepository financial institutions 16  330.0   350.8   351.6   359.9   365.2   367.2   373.8   381.5   382.8   383.1   379.9   382.1 
27  All loans not elsewhere classified 17  480.8   489.7   487.7   488.6   487.9   491.6   489.0   487.0   486.3   485.4   489.2   488.0 
28  LESS: Allowance for loan and lease losses  67.4   70.0   69.7   69.6   69.7   70.1   69.7   68.5   68.5   68.4   68.2   68.2 
H.8; Page 11

Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1
Seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  902.6   822.3   804.9   788.7   753.0   792.2   799.2   824.0   850.4   854.4   816.9   789.2 
30  Total federal funds sold and reverse RPs 19  269.3   329.8   326.5   317.5   313.4   318.6   274.9   241.1   220.1   244.4   239.8   256.5 
31  Loans to commercial banks 20  12.3   5.8   4.3   4.5   4.8   4.7   4.8   5.2   5.5   5.4   5.1   4.5 
32  Other assets including trading assets 21  957.8   998.3   1,002.4   1,027.7   990.5   985.8   986.8   988.8   999.2   991.6   984.3   982.9 
33  Total assets  9,710.4   10,015.4   10,031.1   10,090.2   10,075.2   10,141.3   10,164.5   10,152.2   10,210.5   10,170.6   10,128.3   10,091.1 
Liabilities
34  Deposits  7,485.0   7,699.0   7,720.7   7,742.7   7,797.1   7,842.9   7,906.3   7,901.7   7,924.2   7,924.0   7,890.1   7,867.9 
35  Large time deposits  530.7   544.8   551.8   559.6   574.3   569.7   566.3   561.5   562.3   565.2   556.5   561.3 
36  Other deposits  6,954.3   7,154.2   7,168.9   7,183.1   7,222.8   7,273.3   7,340.0   7,340.3   7,361.9   7,358.8   7,333.6   7,306.6 
37  Borrowings  771.3   789.9   785.0   775.1   776.7   778.2   761.4   758.2   757.6   754.9   754.4   766.6 
38  Net due to related foreign offices  -143.8   -200.8   -231.4   -192.0   -234.1   -222.6   -241.0   -251.6   -235.4   -239.8   -261.5   -279.5 
39  Other liabilities including trading liabilities 22  397.1   429.3   427.3   450.2   437.2   441.4   452.0   458.9   464.6   452.6   466.0   454.6 
40  Total liabilities  8,509.6   8,717.4   8,701.7   8,776.0   8,776.9   8,840.0   8,878.8   8,867.1   8,911.0   8,891.7   8,849.0   8,809.6 
41  Residual (assets less liabilities) 23  1,200.7   1,298.0   1,329.4   1,314.2   1,298.3   1,301.3   1,285.6   1,285.1   1,299.4   1,278.9   1,279.4   1,281.6 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -23.4   5.9   7.8   17.9   12.2   13.0   11.8   10.2   11.6   8.2   8.3   11.9 
43  U.S. Treasury and agency securities, MBS 25  -16.9   4.6   6.1   13.3   9.4   9.8   9.1   7.9   8.7   6.2   6.2   9.8 
H.8; Page 12

Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1
Not seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  7,684.7   7,918.5   7,944.7   8,007.8   8,080.0   8,124.7   8,198.7   8,215.9   8,229.6   8,192.6   8,222.1   8,206.6 
2  Securities in bank credit 2  2,334.0   2,449.2   2,468.6   2,513.8   2,574.7   2,596.0   2,648.7   2,630.7   2,652.7   2,617.5   2,616.4   2,614.3 
3  Treasury and agency securities 3  1,854.8   1,967.1   1,990.1   2,037.3   2,092.2   2,111.9   2,159.5   2,137.7   2,157.7   2,124.6   2,122.7   2,123.9 
4  Mortgage-backed securities (MBS) 4  1,372.3   1,458.9   1,461.7   1,471.2   1,496.3   1,511.5   1,538.3   1,514.2   1,535.9   1,500.4   1,500.1   1,500.8 
5  Non-MBS 5  482.5   508.2   528.5   566.0   595.9   600.4   621.2   623.5   621.9   624.1   622.6   623.1 
6  Other securities  479.2   482.1   478.5   476.5   482.5   484.1   489.2   493.0   495.0   492.9   493.7   490.3 
7  Mortgage-backed securities (MBS) 6  55.2   59.5   58.4   58.5   57.9   57.4   56.5   56.3   56.8   55.9   56.3   55.9 
8  Non-MBS 7  423.9   422.6   420.1   418.0   424.6   426.7   432.7   436.7   438.2   437.1   437.4   434.5 
9  Loans and leases in bank credit 8  5,350.7   5,469.3   5,476.1   5,494.1   5,505.3   5,528.8   5,550.0   5,585.2   5,576.8   5,575.1   5,605.7   5,592.4 
10  Commercial and industrial loans  1,273.2   1,302.7   1,298.7   1,301.7   1,297.9   1,295.1   1,294.0   1,283.0   1,277.7   1,285.6   1,289.6   1,276.9 
11  Real estate loans  2,170.1   2,178.8   2,186.1   2,185.5   2,188.5   2,199.1   2,207.7   2,209.5   2,223.6   2,201.6   2,204.4   2,204.1 
12  Residential real estate loans  1,451.5   1,455.2   1,462.2   1,461.5   1,456.8   1,462.7   1,467.1   1,466.8   1,479.0   1,458.1   1,462.9   1,463.5 
13  Revolving home equity loans  231.8   220.5   217.6   215.4   213.4   210.4   208.2   205.9   206.5   206.0   205.4   204.9 
14  Closed-end residential loans 9  1,219.7   1,234.8   1,244.6   1,246.1   1,243.4   1,252.2   1,258.8   1,260.9   1,272.4   1,252.0   1,257.5   1,258.6 
15  Commercial real estate loans  718.6   723.6   723.9   724.0   731.7   736.5   740.7   742.7   744.7   743.5   741.6   740.6 
16  Construction and land development loans 10  110.3   107.8   107.0   106.5   106.5   106.1   106.5   106.0   106.3   106.0   105.7   105.3 
17  Secured by farmland 11  8.3   8.2   8.3   8.1   7.9   7.9   7.8   7.8   7.8   7.8   7.8   7.8 
18  Secured by multifamily properties 12  162.1   163.1   164.7   165.9   168.1   170.6   170.8   171.8   171.3   172.7   172.3   171.3 
19  Secured by nonfarm nonresidential properties 13  437.8   444.6   444.0   443.6   449.3   451.9   455.5   457.1   459.2   457.0   455.7   456.2 
20  Consumer loans  1,084.0   1,147.9   1,152.1   1,162.3   1,167.4   1,175.5   1,185.8   1,210.6   1,203.6   1,206.8   1,220.5   1,219.6 
21  Credit cards and other revolving plans  619.1   665.0   665.0   671.0   671.9   677.3   685.7   708.8   702.4   705.2   718.2   716.8 
22  Other consumer loans  464.9   482.9   487.1   491.3   495.5   498.2   500.1   501.8   501.1   501.5   502.3   502.8 
23  Automobile loans 14  344.9   355.0   357.9   360.9   363.7   364.9   365.7   366.6   366.7   366.5   366.7   367.0 
24  All other consumer loans 15  120.0   127.9   129.1   130.4   131.7   133.3   134.4   135.1   134.5   135.0   135.5   135.8 
25  All other loans and leases  823.4   839.9   839.2   844.5   851.5   859.0   862.4   882.2   871.9   881.1   891.1   891.8 
26  Loans to nondepository financial institutions 16  337.0   349.0   353.3   358.9   365.8   369.7   376.0   389.3   386.9   391.4   390.9   391.5 
27  All loans not elsewhere classified 17  486.4   490.9   486.0   485.6   485.7   489.3   486.4   492.9   485.0   489.7   500.2   500.3 
28  LESS: Allowance for loan and lease losses  67.8   70.0   69.7   69.8   69.9   70.2   70.1   69.0   69.3   69.0   68.6   68.0 
H.8; Page 13

Assets and Liabilities of Large Domestically Chartered Commercial Banks in the United States 1
Not seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  917.3   815.2   802.8   792.5   759.4   790.1   809.4   838.4   883.9   861.6   819.4   794.9 
30  Total federal funds sold and reverse RPs 19  306.5   333.0   308.2   308.2   306.7   316.4   280.5   277.2   235.4   281.1   282.3   317.2 
31  Loans to commercial banks 20  12.5   5.8   4.3   4.6   4.8   4.6   4.8   5.3   5.3   5.5   5.3   4.8 
32  Other assets including trading assets 21  953.1   1,001.4   1,004.2   1,031.4   996.0   989.0   989.0   984.5   1,008.1   992.0   968.1   969.7 
33  Total assets  9,806.3   10,004.0   9,994.6   10,074.8   10,076.9   10,154.7   10,212.1   10,252.3   10,293.0   10,263.7   10,228.6   10,225.3 
Liabilities
34  Deposits  7,569.4   7,671.3   7,706.7   7,721.2   7,779.8   7,847.5   7,926.6   7,994.2   7,993.3   7,999.5   7,986.6   8,015.3 
35  Large time deposits  531.0   545.3   554.3   557.7   568.2   564.3   559.6   562.0   559.6   561.5   560.0   567.2 
36  Other deposits  7,038.4   7,126.0   7,152.3   7,163.4   7,211.6   7,283.2   7,366.9   7,432.2   7,433.7   7,438.1   7,426.6   7,448.0 
37  Borrowings  763.1   796.3   781.7   763.2   774.2   784.3   760.9   749.7   745.6   743.1   752.5   762.6 
38  Net due to related foreign offices  -140.8   -195.5   -223.7   -185.2   -237.6   -230.5   -232.3   -246.5   -221.5   -224.4   -258.4   -300.4 
39  Other liabilities including trading liabilities 22  394.4   428.6   424.5   456.7   449.7   452.6   460.6   455.6   475.3   447.2   445.2   450.2 
40  Total liabilities  8,586.2   8,700.6   8,689.2   8,755.9   8,766.2   8,853.9   8,915.8   8,953.0   8,992.7   8,965.4   8,926.0   8,927.7 
41  Residual (assets less liabilities) 23  1,220.1   1,303.3   1,305.5   1,319.0   1,310.8   1,300.8   1,296.3   1,299.3   1,300.3   1,298.3   1,302.7   1,297.6 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -23.4   5.9   7.8   17.9   12.2   13.0   11.8   10.2   11.6   8.2   8.3   11.9 
43  U.S. Treasury and agency securities, MBS 25  -16.9   4.6   6.1   13.3   9.4   9.8   9.1   7.9   8.7   6.2   6.2   9.8 
H.8; Page 14

Assets and Liabilities of Small Domestically Chartered Commercial Banks in the United States 1
Seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  4,418.0   4,503.8   4,519.2   4,539.3   4,560.9   4,583.6   4,604.5   4,623.4   4,618.9   4,623.3   4,624.1   4,632.5 
2  Securities in bank credit 2  900.4   916.3   920.5   918.7   924.9   931.7   936.3   940.5   935.9   940.8   944.5   942.8 
3  Treasury and agency securities 3  649.3   672.2   676.9   674.8   682.0   688.3   691.0   693.7   690.7   694.5   696.4   694.4 
4  Mortgage-backed securities (MBS) 4  478.5   501.0   506.0   506.2   511.5   515.5   520.5   525.7   522.7   525.8   528.5   527.6 
5  Non-MBS 5  170.9   171.2   170.9   168.5   170.5   172.8   170.5   168.0   168.0   168.8   167.9   166.7 
6  Other securities  251.1   244.1   243.6   243.9   242.8   243.4   245.3   246.8   245.2   246.3   248.1   248.4 
7  Mortgage-backed securities (MBS) 6  15.9   17.6   18.1   18.1   17.7   17.6   18.0   17.9   17.7   17.9   18.2   17.9 
8  Non-MBS 7  235.2   226.5   225.5   225.9   225.2   225.8   227.3   228.9   227.5   228.3   229.9   230.5 
9  Loans and leases in bank credit 8  3,517.6   3,587.5   3,598.7   3,620.6   3,636.1   3,651.9   3,668.2   3,682.9   3,683.0   3,682.5   3,679.6   3,689.7 
10  Commercial and industrial loans  636.8   656.1   659.8   661.8   663.3   666.2   666.5   669.1   668.3   669.2   669.5   670.7 
11  Real estate loans  2,167.3   2,243.6   2,249.6   2,264.6   2,275.1   2,283.5   2,297.9   2,306.0   2,306.8   2,306.0   2,306.2   2,305.5 
12  Residential real estate loans  777.2   807.1   808.8   814.3   817.5   820.3   824.5   823.8   825.2   824.8   823.4   821.8 
13  Revolving home equity loans  117.6   116.4   116.3   116.1   115.9   115.4   115.2   114.6   114.8   114.7   114.5   114.5 
14  Closed-end residential loans 9  659.6   690.6   692.5   698.1   701.6   704.9   709.4   709.2   710.4   710.1   708.9   707.3 
15  Commercial real estate loans  1,390.1   1,436.5   1,440.8   1,450.3   1,457.6   1,463.2   1,473.4   1,482.2   1,481.7   1,481.3   1,482.8   1,483.7 
16  Construction and land development loans 10  219.2   226.9   228.0   229.3   230.4   231.3   231.6   231.9   231.6   231.9   232.0   231.8 
17  Secured by farmland 11  93.8   95.3   93.4   93.8   94.1   94.4   94.6   94.6   94.8   94.6   94.7   94.1 
18  Secured by multifamily properties 12  188.9   200.1   201.3   202.5   204.0   205.0   206.2   209.1   209.7   208.6   208.8   209.1 
19  Secured by nonfarm nonresidential properties 13  888.3   914.2   918.1   924.6   929.1   932.5   940.9   946.6   945.6   946.2   947.3   948.6 
20  Consumer loans  432.8   388.6   390.7   391.7   392.7   393.9   394.2   398.4   397.5   397.5   395.8   404.6 
21  Credit cards and other revolving plans  208.2   156.6   157.1   156.8   156.2   155.9   154.0   157.2   156.0   156.7   154.5   163.2 
22  Other consumer loans  224.6   232.0   233.6   234.9   236.5   238.0   240.1   241.2   241.5   240.8   241.3   241.4 
23  Automobile loans 14  79.3   81.0   81.6   82.0   82.4   83.0   83.6   83.4   84.0   83.1   83.1   83.1 
24  All other consumer loans 15  145.3   151.0   151.9   153.0   154.1   155.0   156.5   157.8   157.4   157.7   158.1   158.3 
25  All other loans and leases  280.6   299.2   298.7   302.5   305.0   308.3   309.6   309.4   310.3   309.9   308.1   309.0 
26  Loans to nondepository financial institutions 16  57.0   68.2   69.7   72.5   74.5   76.4   75.5   76.0   77.0   76.5   75.4   75.4 
27  All loans not elsewhere classified 17  223.6   231.0   228.9   230.0   230.4   231.9   234.1   233.5   233.4   233.4   232.7   233.5 
28  LESS: Allowance for loan and lease losses  41.4   40.7   41.3   41.3   41.3   41.2   41.3   41.0   40.8   40.9   41.1   40.8 
H.8; Page 15

Assets and Liabilities of Small Domestically Chartered Commercial Banks in the United States 1
Seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  289.5   297.5   303.0   303.7   302.5   307.4   312.2   313.2   316.2   315.6   304.4   318.6 
30  Total federal funds sold and reverse RPs 19  43.6   25.2   23.0   35.6   41.1   49.9   57.9   69.5   70.5   71.1   70.6   66.1 
31  Loans to commercial banks 20  0.5   0.8   0.7   0.7   0.7   0.7   0.7   0.7   0.8   0.7   0.7   0.7 
32  Other assets including trading assets 21  321.8   345.2   349.3   351.1   354.9   357.4   362.0   365.3   366.3   366.3   364.1   365.6 
33  Total assets  5,032.1   5,131.8   5,153.9   5,189.1   5,218.9   5,257.8   5,296.0   5,331.1   5,331.9   5,336.2   5,323.0   5,342.7 
Liabilities
34  Deposits  3,940.7   4,083.8   4,107.6   4,122.0   4,146.3   4,174.7   4,201.6   4,216.7   4,217.9   4,220.8   4,213.4   4,216.6 
35  Large time deposits  464.0   500.8   505.8   506.1   506.7   508.6   510.3   509.1   510.5   510.5   508.4   505.7 
36  Other deposits  3,476.7   3,583.0   3,601.8   3,615.9   3,639.6   3,666.1   3,691.3   3,707.6   3,707.4   3,710.3   3,705.0   3,710.9 
37  Borrowings  335.5   324.0   321.2   322.9   317.9   316.6   323.7   325.4   329.9   326.2   320.2   323.6 
38  Net due to related foreign offices  19.0   26.0   27.5   26.4   25.2   30.7   28.0   28.9   26.2   27.2   26.7   37.1 
39  Other liabilities including trading liabilities 22  67.3   72.4   75.4   77.8   80.1   80.4   83.1   80.9   82.0   82.3   82.6   77.4 
40  Total liabilities  4,362.6   4,506.3   4,531.8   4,549.0   4,569.4   4,602.5   4,636.4   4,651.9   4,656.0   4,656.5   4,642.9   4,654.7 
41  Residual (assets less liabilities) 23  669.5   625.5   622.2   640.1   649.4   655.3   659.6   679.3   675.9   679.7   680.1   688.0 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -11.2   1.3   3.2   4.0   6.4   5.4   5.2   4.8   4.9   4.8   4.8   4.6 
43  U.S. Treasury and agency securities, MBS 25  -10.5   -0.2   1.3   1.6   3.4   2.8   2.7   2.4   2.5   2.4   2.4   2.2 
H.8; Page 16

Assets and Liabilities of Small Domestically Chartered Commercial Banks in the United States 1
Not seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  4,432.4   4,508.4   4,522.5   4,540.1   4,563.8   4,585.0   4,612.3   4,637.1   4,624.7   4,634.2   4,645.9   4,651.7 
2  Securities in bank credit 2  901.0   917.2   917.6   916.1   921.2   927.9   936.3   940.7   937.5   941.5   943.5   942.0 
3  Treasury and agency securities 3  649.6   673.6   674.8   672.6   678.0   683.6   689.7   693.7   691.2   695.0   695.5   694.8 
4  Mortgage-backed securities (MBS) 4  478.0   502.6   505.4   504.7   508.5   512.7   519.4   525.5   522.4   526.2   527.5   528.0 
5  Non-MBS 5  171.6   171.0   169.4   167.9   169.5   170.9   170.2   168.2   168.8   168.8   168.0   166.8 
6  Other securities  251.4   243.7   242.8   243.5   243.2   244.3   246.7   246.9   246.2   246.5   248.1   247.2 
7  Mortgage-backed securities (MBS) 6  15.8   17.7   18.3   18.1   17.4   17.3   17.7   17.8   17.6   17.7   18.1   17.7 
8  Non-MBS 7  235.6   225.9   224.5   225.4   225.8   227.0   228.9   229.2   228.6   228.8   229.9   229.4 
9  Loans and leases in bank credit 8  3,531.4   3,591.2   3,604.9   3,624.0   3,642.6   3,657.1   3,676.0   3,696.4   3,687.2   3,692.7   3,702.3   3,709.8 
10  Commercial and industrial loans  635.8   660.0   660.4   660.1   662.0   663.8   664.5   668.3   663.9   668.1   671.7   672.7 
11  Real estate loans  2,170.8   2,244.2   2,253.3   2,265.9   2,276.1   2,286.1   2,298.7   2,309.3   2,308.2   2,307.8   2,310.6   2,312.6 
12  Residential real estate loans  780.5   807.0   810.5   815.2   819.3   822.6   825.7   826.9   827.9   826.0   826.8   827.1 
13  Revolving home equity loans  118.0   116.4   116.2   116.0   115.9   115.6   115.2   115.0   115.0   115.0   114.9   115.0 
14  Closed-end residential loans 9  662.5   690.6   694.3   699.2   703.4   707.0   710.5   712.0   712.9   711.1   711.9   712.1 
15  Commercial real estate loans  1,390.3   1,437.2   1,442.8   1,450.7   1,456.8   1,463.5   1,473.0   1,482.4   1,480.3   1,481.7   1,483.8   1,485.6 
16  Construction and land development loans 10  219.6   227.0   228.6   229.2   229.9   231.3   232.7   232.4   232.8   232.8   232.5   231.0 
17  Secured by farmland 11  93.8   95.4   93.7   94.1   94.3   94.6   94.5   94.6   94.6   94.6   94.8   94.4 
18  Secured by multifamily properties 12  188.6   200.3   201.4   202.4   203.4   204.6   206.0   208.8   208.9   208.3   208.6   209.4 
19  Secured by nonfarm nonresidential properties 13  888.2   914.5   919.2   925.0   929.2   933.0   939.9   946.6   944.0   946.1   947.9   950.8 
20  Consumer loans  440.7   386.3   389.6   393.0   396.0   397.3   399.9   404.6   403.4   403.7   406.2   406.6 
21  Credit cards and other revolving plans  215.9   154.9   156.4   157.6   157.7   157.6   158.9   163.2   161.5   162.7   164.8   165.2 
22  Other consumer loans  224.7   231.4   233.1   235.4   238.3   239.7   241.0   241.4   241.9   241.0   241.4   241.4 
23  Automobile loans 14  79.3   80.9   81.6   82.2   82.8   83.3   83.7   83.4   84.1   83.0   83.1   83.1 
24  All other consumer loans 15  145.5   150.5   151.5   153.2   155.5   156.4   157.3   158.0   157.7   157.9   158.2   158.2 
25  All other loans and leases  284.1   300.7   301.6   305.0   308.6   309.9   313.0   314.1   311.7   313.1   313.9   317.9 
26  Loans to nondepository financial institutions 16  57.9   70.0   71.9   73.8   76.0   77.1   78.5   77.8   77.1   77.4   76.9   79.6 
27  All loans not elsewhere classified 17  226.2   230.6   229.7   231.2   232.6   232.9   234.5   236.4   234.7   235.7   237.0   238.3 
28  LESS: Allowance for loan and lease losses  41.3   40.8   40.8   40.8   41.0   41.0   41.2   40.9   40.9   40.9   40.7   40.6 
H.8; Page 17

Assets and Liabilities of Small Domestically Chartered Commercial Banks in the United States 1
Not seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  306.3   288.5   298.3   305.0   304.7   308.2   323.6   328.2   335.2   332.2   314.6   329.5 
30  Total federal funds sold and reverse RPs 19  33.5   39.8   40.3   42.4   47.3   48.0   56.4   61.1   61.6   62.4   61.5   58.1 
31  Loans to commercial banks 20  0.6   0.8   0.7   0.7   0.7   0.7   0.7   0.8   0.8   0.8   0.8   0.8 
32  Other assets including trading assets 21  322.1   345.2   349.3   351.8   356.5   359.0   362.9   365.6   368.2   367.0   363.0   365.2 
33  Total assets  5,053.6   5,141.8   5,170.3   5,199.2   5,232.0   5,259.8   5,314.8   5,351.9   5,349.5   5,355.7   5,345.1   5,364.8 
Liabilities
34  Deposits  3,973.7   4,068.2   4,090.3   4,116.1   4,145.7   4,173.7   4,220.0   4,253.1   4,251.9   4,258.4   4,248.8   4,258.3 
35  Large time deposits  462.5   502.1   506.6   507.3   508.2   508.4   508.2   507.8   508.6   508.1   507.7   505.5 
36  Other deposits  3,511.2   3,566.1   3,583.8   3,608.8   3,637.5   3,665.3   3,711.7   3,745.4   3,743.4   3,750.3   3,741.1   3,752.7 
37  Borrowings  330.5   331.2   327.0   322.8   318.4   314.1   316.1   320.3   317.3   318.7   319.9   328.3 
38  Net due to related foreign offices  20.2   26.0   27.3   25.2   24.3   30.3   29.7   30.7   28.0   29.3   28.6   37.3 
39  Other liabilities including trading liabilities 22  68.6   71.2   74.4   78.7   82.9   82.4   86.5   82.4   85.4   83.5   82.3   77.8 
40  Total liabilities  4,393.0   4,496.6   4,519.1   4,542.7   4,571.3   4,600.5   4,652.3   4,686.6   4,682.6   4,690.0   4,679.7   4,701.7 
41  Residual (assets less liabilities) 23  660.6   645.2   651.2   656.5   660.7   659.3   662.4   665.3   666.9   665.7   665.4   663.1 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -11.2   1.3   3.2   4.0   6.4   5.4   5.2   4.8   4.9   4.8   4.8   4.6 
43  U.S. Treasury and agency securities, MBS 25  -10.5   -0.2   1.3   1.6   3.4   2.8   2.7   2.4   2.5   2.4   2.4   2.2 
H.8; Page 18

Assets and Liabilities of Foreign-Related Institutions in the United States 1
Seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  1,012.2   1,037.0   1,038.7   1,049.9   1,051.4   1,035.7   1,035.6   1,034.9   1,035.1   1,041.2   1,030.8   1,031.6 
2  Securities in bank credit 2  272.8   280.5   278.5   288.9   290.3   277.5   268.7   265.4   266.8   266.1   261.9   263.5 
3  Treasury and agency securities 3  171.5   178.3   178.0   188.1   192.2   187.1   178.3   175.7   177.7   175.8   172.0   173.7 
4  Mortgage-backed securities (MBS) 4  26.7   28.8   29.6   33.8   34.7   36.5   37.4   37.0   40.0   34.9   35.0   36.7 
5  Non-MBS 5  144.8   149.5   148.4   154.3   157.5   150.7   140.9   138.7   137.7   140.9   137.0   137.0 
6  Other securities  101.3   102.2   100.5   100.8   98.1   90.3   90.4   89.7   89.1   90.3   89.9   89.8 
7  Mortgage-backed securities (MBS) 6  1.9   1.8   1.9   1.7   1.7   1.6   1.8   1.9   1.9   1.9   2.0   1.8 
8  Non-MBS 7  99.4   100.4   98.6   99.1   96.4   88.7   88.6   87.8   87.2   88.4   87.9   88.0 
9  Loans and leases in bank credit 8  739.4   756.5   760.2   761.0   761.1   758.2   767.0   769.5   768.4   775.1   768.9   768.1 
10  Commercial and industrial loans  387.1   396.7   395.4   396.9   393.1   389.8   396.0   396.5   396.8   398.5   395.9   395.3 
11  Real estate loans  81.1   83.3   83.4   82.1   82.2   84.1   82.8   82.0   81.1   81.4   81.8   83.5 
12  Residential real estate loans  1.1   1.5   1.6   1.7   1.6   1.5   1.2   1.3   1.3   1.4   1.2   1.3 
13  Revolving home equity loans  0.3   0.2   0.2   0.3   0.3   0.2   0.2   0.3   0.3   0.3   0.3   0.3 
14  Closed-end residential loans 9  0.8   1.3   1.4   1.5   1.3   1.3   1.0   1.0   1.0   1.1   0.9   0.9 
15  Commercial real estate loans  80.0   81.7   81.7   80.4   80.6   82.5   81.5   80.7   79.8   80.0   80.5   82.2 
16  Construction and land development loans 10  11.9   12.7   12.6   12.6   12.6   12.7   12.1   11.5   11.5   11.2   11.5   11.8 
17  Secured by farmland 11  0.1   0.2   0.2   0.2   0.2   0.2   0.2   0.2   0.2   0.2   0.2   0.2 
18  Secured by multifamily properties 12  6.4   8.3   8.4   8.2   8.4   8.6   9.4   9.4   9.9   9.3   8.8   9.5 
19  Secured by nonfarm nonresidential properties 13  61.6   60.5   60.6   59.3   59.4   61.1   59.8   59.6   58.2   59.3   60.1   60.7 
20  Consumer loans  3.0   3.5   3.5   3.5   3.5   3.5   3.3   3.4   3.3   3.4   3.4   3.4 
21  Credit cards and other revolving plans  0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0 
22  Other consumer loans  3.0   3.5   3.5   3.5   3.5   3.5   3.3   3.4   3.3   3.4   3.4   3.4 
23  Automobile loans 14  0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0 
24  All other consumer loans 15  3.0   3.5   3.5   3.5   3.5   3.5   3.3   3.4   3.3   3.4   3.4   3.4 
25  All other loans and leases  268.2   273.0   278.0   278.5   282.4   280.8   284.9   287.6   287.1   291.8   287.9   285.9 
26  Loans to nondepository financial institutions 16  109.7   117.5   119.9   119.8   119.4   117.8   118.7   118.3   117.3   117.9   119.0   120.1 
27  All loans not elsewhere classified 17  158.6   155.5   158.0   158.7   163.0   163.0   166.2   169.4   169.8   174.0   168.9   165.9 
28  LESS: Allowance for loan and lease losses  1.4   1.0   0.9   1.0   1.0   0.8   1.3   1.4   1.5   1.4   1.3   1.1 
H.8; Page 19

Assets and Liabilities of Foreign-Related Institutions in the United States 1
Seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  740.4   590.0   565.1   566.6   562.9   555.8   575.7   651.7   620.2   654.0   689.0   656.9 
30  Total federal funds sold and reverse RPs 19  362.9   443.5   458.1   455.1   465.8   457.7   456.7   433.1   439.7   441.0   435.5   411.4 
31  Loans to commercial banks 20  2.4   2.4   2.6   2.8   2.7   2.0   2.2   2.0   2.1   2.1   2.1   1.9 
32  Other assets including trading assets 21  126.8   131.8   129.7   139.8   138.7   138.9   127.4   129.0   125.5   126.9   135.1   130.0 
33  Total assets  2,243.2   2,203.7   2,193.3   2,213.2   2,220.6   2,189.3   2,196.2   2,249.4   2,221.2   2,263.7   2,291.1   2,230.7 
Liabilities
34  Deposits  994.8   1,015.7   1,003.0   1,011.0   1,018.5   1,041.6   1,072.2   1,091.4   1,084.7   1,087.7   1,104.5   1,085.2 
35  Large time deposits  704.8   726.0   724.3   730.8   729.5   750.5   774.0   793.1   789.3   790.2   795.2   804.8 
36  Other deposits  290.0   289.7   278.7   280.3   289.0   291.1   298.2   298.3   295.3   297.5   309.2   280.4 
37  Borrowings  857.9   885.2   892.1   908.5   902.4   889.4   899.3   904.8   908.0   905.4   933.1   857.5 
38  Net due to related foreign offices  245.8   176.9   163.5   149.0   149.2   121.3   95.5   131.4   101.8   151.9   130.5   168.9 
39  Other liabilities including trading liabilities 22  118.2   123.2   119.0   121.6   121.6   120.1   110.0   108.6   107.9   106.4   108.3   108.8 
40  Total liabilities  2,216.9   2,201.0   2,177.5   2,190.2   2,191.7   2,172.5   2,177.0   2,236.2   2,202.4   2,251.4   2,276.4   2,220.3 
41  Residual (assets less liabilities) 23  26.4   2.7   15.8   23.0   29.0   16.8   19.2   13.2   18.8   12.2   14.7   10.3 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -0.5   1.9   1.7   2.3   2.1   1.5   1.4   1.3   1.3   1.2   1.2   1.3 
43  U.S. Treasury and agency securities, MBS 25  -0.5   1.9   1.7   2.3   2.1   1.5   1.4   1.3   1.3   1.2   1.2   1.3 
H.8; Page 20

Assets and Liabilities of Foreign-Related Institutions in the United States 1
Not seasonally adjusted, billions of dollars
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets
1  Bank credit  1,015.3   1,039.0   1,039.2   1,045.2   1,042.9   1,031.4   1,032.9   1,036.9   1,031.9   1,041.5   1,037.9   1,039.2 
2  Securities in bank credit 2  273.6   280.3   280.0   290.1   288.5   276.5   269.8   265.3   266.7   264.0   262.7   264.7 
3  Treasury and agency securities 3  172.6   178.3   179.3   188.5   190.9   185.2   179.3   175.6   177.5   173.9   173.0   174.6 
4  Mortgage-backed securities (MBS) 4  27.4   30.1   30.5   33.9   35.7   36.8   37.3   37.9   38.9   36.3   36.9   38.4 
5  Non-MBS 5  145.2   148.3   148.8   154.6   155.2   148.4   142.0   137.7   138.6   137.6   136.0   136.3 
6  Other securities  101.1   101.9   100.7   101.6   97.6   91.3   90.5   89.7   89.2   90.2   89.7   90.1 
7  Mortgage-backed securities (MBS) 6  1.8   1.8   2.0   1.8   1.8   1.7   1.8   1.8   1.8   1.8   1.8   1.8 
8  Non-MBS 7  99.3   100.2   98.7   99.8   95.7   89.6   88.7   88.0   87.5   88.4   87.9   88.3 
9  Loans and leases in bank credit 8  741.7   758.8   759.1   755.1   754.4   754.9   763.1   771.6   765.2   777.5   775.2   774.5 
10  Commercial and industrial loans  389.2   397.5   394.8   394.0   388.2   386.1   394.7   399.0   395.7   401.2   401.7   400.5 
11  Real estate loans  82.2   83.7   82.9   81.0   81.0   83.2   82.9   83.3   82.8   83.0   82.8   84.8 
12  Residential real estate loans  1.1   1.5   1.6   1.7   1.5   1.4   1.4   1.4   1.4   1.4   1.3   1.3 
13  Revolving home equity loans  0.3   0.2   0.2   0.2   0.2   0.3   0.3   0.4   0.4   0.4   0.4   0.4 
14  Closed-end residential loans 9  0.8   1.3   1.4   1.5   1.3   1.2   1.1   1.0   1.1   1.1   0.9   0.9 
15  Commercial real estate loans  81.1   82.1   81.3   79.3   79.4   81.8   81.5   82.0   81.3   81.6   81.5   83.5 
16  Construction and land development loans 10  12.3   12.6   12.4   12.4   12.1   11.9   12.0   11.9   11.9   11.7   11.7   12.2 
17  Secured by farmland 11  0.1   0.2   0.2   0.2   0.2   0.2   0.2   0.2   0.2   0.2   0.2   0.2 
18  Secured by multifamily properties 12  6.3   8.6   8.3   8.0   8.2   8.5   9.1   9.4   9.8   9.2   8.8   9.4 
19  Secured by nonfarm nonresidential properties 13  62.3   60.8   60.4   58.7   58.9   61.2   60.2   60.5   59.5   60.5   60.9   61.6 
20  Consumer loans  3.1   3.4   3.5   3.5   3.5   3.5   3.4   3.5   3.4   3.5   3.5   3.5 
21  Credit cards and other revolving plans  0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0 
22  Other consumer loans  3.1   3.4   3.5   3.5   3.5   3.5   3.4   3.5   3.4   3.5   3.5   3.5 
23  Automobile loans 14  0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0   0.0 
24  All other consumer loans 15  3.1   3.4   3.5   3.5   3.5   3.5   3.4   3.5   3.4   3.5   3.5   3.5 
25  All other loans and leases  267.1   274.3   277.9   276.6   281.7   282.1   282.0   285.8   283.3   289.8   287.2   285.7 
26  Loans to nondepository financial institutions 16  109.7   116.2   118.8   119.8   121.0   120.2   118.7   117.3   117.3   117.5   117.1   117.7 
27  All loans not elsewhere classified 17  157.5   158.1   159.1   156.8   160.7   161.8   163.4   168.5   166.0   172.3   170.1   168.0 
28  LESS: Allowance for loan and lease losses  1.2   1.1   1.0   1.0   1.0   1.0   1.0   1.0   1.0   1.0   1.0   1.0 
H.8; Page 21

Assets and Liabilities of Foreign-Related Institutions in the United States 1
Not seasonally adjusted, billions of dollars (continued)
Account 2018
Dec 		2019
Jun 		2019
Jul 		2019
Aug 		2019
Sep 		2019
Oct 		2019
Nov 		2019
Dec 		Week ending
Dec 11 Dec 18 Dec 25 Jan 1
Assets (continued)
29  Cash assets 18  692.4   580.3   564.3   580.4   549.2   562.9   584.5   613.4   624.4   616.4   635.3   576.4 
30  Total federal funds sold and reverse RPs 19  358.1   428.6   445.3   460.2   452.9   433.6   454.7   433.1   454.7   445.6   423.4   387.5 
31  Loans to commercial banks 20  2.1   2.6   2.4   2.5   2.5   1.7   1.9   1.9   1.8   1.9   1.9   1.8 
32  Other assets including trading assets 21  124.3   134.3   127.0   141.3   139.5   137.2   131.2   127.1   129.6   122.9   131.8   124.3 
33  Total assets  2,190.9   2,183.9   2,177.1   2,228.6   2,185.9   2,165.8   2,204.2   2,211.4   2,241.3   2,227.3   2,229.3   2,128.2 
Liabilities
34  Deposits  974.5   1,017.5   999.7   1,016.9   1,012.5   1,030.0   1,063.2   1,071.7   1,078.5   1,071.3   1,077.5   1,052.7 
35  Large time deposits  684.3   733.9   721.2   730.5   724.4   740.0   765.3   773.1   776.9   770.4   770.7   772.8 
36  Other deposits  290.2   283.5   278.5   286.5   288.1   290.0   297.9   298.5   301.6   300.9   306.8   279.9 
37  Borrowings  852.5   871.2   895.1   922.8   897.4   873.4   910.5   900.1   924.2   910.2   917.2   822.3 
38  Net due to related foreign offices  238.2   163.2   159.5   157.7   145.4   135.4   107.2   123.3   117.1   135.3   116.4   141.2 
39  Other liabilities including trading liabilities 22  116.4   123.6   114.6   122.9   122.4   119.0   114.3   107.1   112.6   101.1   108.9   102.6 
40  Total liabilities  2,181.5   2,175.6   2,168.9   2,220.3   2,177.7   2,157.9   2,195.2   2,202.1   2,232.5   2,217.9   2,219.9   2,118.8 
41  Residual (assets less liabilities) 23  9.5   8.3   8.3   8.3   8.3   7.9   9.0   9.2   8.9   9.4   9.4   9.4 
Memoranda
42  Net unrealized gains (losses) on available-for-sale securities 24  -0.5   1.9   1.7   2.3   2.1   1.5   1.4   1.3   1.3   1.2   1.2   1.3 
43  U.S. Treasury and agency securities, MBS 25  -0.5   1.9   1.7   2.3   2.1   1.5   1.4   1.3   1.3   1.2   1.2   1.3 

Footnotes

1. Data include the following types of institutions in the fifty states and the District of Columbia: domestically chartered commercial banks; U.S. branches and agencies of foreign banks; and Edge Act and agreement corporations. The latter two categories together are referred to on this release as "foreign-related institutions." Data exclude International Banking Facilities. Weekly levels are Wednesday values; monthly levels are pro rata averages of Wednesday values. The data for domestically chartered commercial banks and U.S. branches and agencies of foreign banks are estimated by benchmarking weekly data provided by a sample of banks to quarter-end reports of condition (Call Reports). Large domestically chartered commercial banks are defined as the top 25 domestically chartered commercial banks, ranked by domestic assets as of the previous commercial bank Call Report to which the H.8 release data have been benchmarked. Small domestically chartered commercial banks are defined as all domestically chartered commercial banks not included in the top 25. The data for large and small domestically chartered banks are adjusted to remove the estimated effects of mergers and panel shifts between these two bank groups. (See www.federalreserve.gov/releases/h8/about.htm for more information on how these data were constructed.)

2. Includes all securities, whether held-to-maturity reported at amortized cost; available-for-sale reported at fair value; held as trading assets, also reported at fair value; or equity securities with readily determinable fair values not held for trading. Excludes all non-security trading assets, such as derivatives with a positive fair value (included in line 32) or loans held in trading accounts (included in line 9).

3. Treasury securities are liabilities of the U.S. government. Agency securities are liabilities of U.S. government agencies and U.S. government-sponsored enterprises.

4. Includes mortgage-backed securities (MBS) issued by U.S. government agencies or by U.S. government-sponsored enterprises such as the Government National Mortgage Association (GNMA), the Federal National Mortgage Association (FNMA), or the Federal Home Loan Mortgage Corporation (FHLMC). Includes pass-through securities, collateralized mortgage obligations (CMOs), real estate mortgage investment conduits (REMICs), CMO and REMIC residuals, and stripped MBS.

5. Includes U.S. Treasury securities and U.S. government agency obligations other than MBS.

6. Includes MBS not issued or guaranteed by the U.S. government.

7. Includes securities issued by states and political subdivisions in the United States, asset-backed securities (ABS), other domestic and foreign debt securities, and investments in mutual funds and other equity securities with readily determinable fair values.

8. Includes the allowance for loan and lease losses (line 28) and all loans held in trading accounts under a fair value option. Excludes total federal funds sold and reverse RPs (line 30), loans made to commercial banks (line 31), and unearned income.

9. Includes first and junior liens on closed-end loans secured by 1-4 family residential properties.

10. Includes construction, land development, and other land loans.

11. Includes loans secured by farmland, including grazing and pastureland.

12. Includes loans secured by multifamily (5 or more) residential properties, including apartment buildings.

13. Includes loans secured by nonfarm nonresidential properties, both owner-occupied and other nonfarm nonresidential properties.

14. Includes loans for purchasing new and used passenger cars and other vehicles. Includes direct and indirect consumer automobile loans as well as retail installment sales paper purchased from auto dealers.

15. Includes student loans, loans for medical expenses and vacations, and loans for other personal expenditures.

16. Includes loans to real estate investment trusts, insurance companies, holding companies of other depository institutions, finance companies, mortgage finance companies, factors, federally-sponsored lending agencies, investment banks, banks' own trust departments, and other nondepository financial intermediaries.

17. Includes loans for purchasing or carrying securities, loans to finance agricultural production, loans to foreign governments and foreign banks, obligations of states and political subdivisions, loans to nonbank depository institutions, unplanned overdrafts, loans not elsewhere classified, and lease financing receivables.

18. Includes vault cash, cash items in process of collection, balances due from depository institutions, and balances due from Federal Reserve Banks.

19. Includes total federal funds sold to, and reverse RPs with, commercial banks, brokers and dealers, and others, including the Federal Home Loan Banks (FHLB).

20. Excludes loans secured by real estate, which are included in line 11.

21. Includes other real estate owned; premises and fixed assets; investments in unconsolidated subsidiaries; intangible assets (including goodwill); direct and indirect investments in real estate ventures; accounts receivable; derivative contracts (interest rate, foreign exchange rate, other commodity and equity contracts) with a positive fair value, as determined under FASB Interpretation No. 39 (FIN 39); and other assets. Excludes the due-from position with related foreign offices which is included in line 38. Excludes most securities held in trading accounts (included in line 2); trading account securities at some smaller domestically chartered commercial banks are included in this item.

22. Includes subordinated notes and debentures; net deferred tax liabilities; interest and other expenses accrued and unpaid; accounts payable; liabilities for short positions; derivative contracts with a negative fair value, as determined under FASB Interpretation No. 39 (FIN 39); other trading liabilities to which fair value accounting has been applied; and other liabilities.

23. 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.

24. Difference between fair value and amortized cost for securities classified as available-for-sale under FASB Statement 115. Data have been adjusted to include an estimate of tax effects, omitted from the reported data.

25. Difference between fair value and amortized cost for Treasury and agency securities, mortgage-backed securities (MBS), classified as available-for-sale under FASB Statement 115. Data have been adjusted to include an estimate of tax effects, omitted from the reported data.

Current and historical H.8 data are available from the Federal Reserve Board's Data Download Program (www.federalreserve.gov/datadownload/Choose.aspx?rel=H.8). “Notes on the Data” back to October 17, 1989, may be found on the Federal Reserve Board's website (www.federalreserve.gov/releases/h8/h8notes.htm).
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Last Update: January 10, 2020