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FDIC - Quarterly Banking Profile
TABLE II-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
(dollar figures in millions) 1st Quarter
2008		 4th Quarter
2007		 1st Quarter
2007		 % Change
07:1-08:1
Number of institutions reporting 8,494 8,534 8,649 -1.8
Total employees (full-time equivalent) 2,212,766 2,214,965 2,223,383 -0.5
CONDITION DATA
Total assets $13,369,496 $13,034,074 $11,982,420 11.6
Loans secured by real estate 4,801,958 4,781,449 4,536,611 5.8
1-4 Family residential mortgages 2,214,941 2,241,472 2,185,504 1.3
Nonfarm nonresidential 988,732 968,754 905,478 9.2
Construction and development 631,818 629,152 582,253 8.5
Home equity lines 625,216 611,389 556,795 12.3
Commercial & industrial loans 1,485,856 1,440,369 1,250,196 18.8
Loans to individuals 1,048,411 1,058,468 946,249 10.8
Credit cards 386,854 421,818 354,163 9.2
Farm loans 53,886 56,786 52,874 1.9
Other loans & leases 580,232 571,756 494,049 17.4
Less: Unearned income 2,457 2,312 2,288 7.4
Total loans & leases 7,967,887 7,906,516 7,277,691 9.5
Less: Reserve for losses 120,908 102,400 78,439 54.1
Net loans and leases 7,846,980 7,804,116 7,199,252 9.0
Securities 1,953,078 1,954,183 1,972,366 -1.0
Other real estate owned 15,671 12,142 6,971 124.8
Goodwill and other intangibles 469,049 461,627 423,534 10.7
All other assets 3,084,718 2,801,979 2,380,296 29.6
Total liabilities and capital 13,369,496 13,034,074 11,982,420 11.6
Deposits 8,565,738 8,415,353 7,895,367 8.5
Domestic office deposits 7,069,007 6,912,778 6,695,092 5.6
Foreign office deposits 1,496,732 1,502,575 1,200,276 24.7
Other borrowed funds 2,587,215 2,517,409 2,174,409 19.0
Subordinated debt 185,583 185,393 165,328 12.3
All other liabilities 669,947 568,373 479,758 39.6
Equity capital 1,361,012 1,347,546 1,267,557 7.4
Loans and leases 30-89 days past due 111,029 107,920 70,520 57.4
Noncurrent loans and leases 136,037 110,030 61,293 121.9
Restructured loans and leases 10,899 6,914 2,862 280.8
Direct and indirect investments in real estate 956 1,097 1,033 -7.5
Mortgage-backed securities 1,281,306 1,236,040 1,226,924 4.4
Earning assets 11,475,127 11,305,681 10,515,851 9.1
FHLB Advances 841,532 808,941 607,579 38.5
Unused loan commitments 8,304,038 8,316,328 7,822,039 6.2
Trust assets 20,936,709 21,863,464 20,205,834 3.6
Assets securitized and sold*** 1,724,123 1,784,676 1,669,276 3.3
Notional amount of derivatives*** 181,599,195 166,120,761 145,070,582 25.2
INCOME DATA Full Year
2007		 Full Year
2006		 % Change 1st Quarter
2008		 1st Quarter
2007		 % Change
07:1-08:1
Total interest income $724,866 $643,488 12.7 $178,610 $176,213 1.4
Total interest expense 372,143 313,353 18.8 83,899 89,765 -6.5
Net interest income 352,723 330,136 6.8 94,711 86,448 9.6
Provision for loan and lease losses 69,034 29,545 133.7 37,120 9,191 303.9
Total noninterest income 233,069 240,431 -3.1 60,554 62,276 -2.8
Total noninterest expense 367,034 332,307 10.5 90,881 87,653 3.7
Securities gains (losses) -1,362 1,969 N/M 1,222 1,585 -22.9
Applicable income taxes 46,490 68,081 -31.7 9,009 17,131 -47.4
Extraordinary gains, net -1,735 2,669 N/M -130 -689 81.1
Net income 100,137 145,273 -31.1 19,347 35,644 -45.7
Net charge-offs 44,111 27,016 63.3 19,604 8,200 139.1
Cash dividends 110,345 93,446 18.1 14,009 26,186 -46.5
Retained earnings -10,208 51,826 N/M 5,338 9,458 -43.6
Net operating income 102,548 141,418 -27.5 18,922 35,243 -46.3
*** Call Report filers only N/M - Not Meaningful

Last Updated 05/29/2008 Questions, Suggestions & Requests

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