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FDIC - Quarterly Banking Profile
TABLE II-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions*
(dollar figures in millions) 4th Quarter
2007		 3rd Quarter
2007		 4th Quarter
2006		 % Change
06:4-07:4
Number of institutions reporting 8,533 8,559 8,680 -1.7
Total employees (full-time equivalent) 2,214,621 2,220,559 2,206,656 0.4
CONDITION DATA
Total assets $13,038,765 $12,706,982 $11,860,042 9.9
Loans secured by real estate 4,780,631 4,701,042 4,507,714 6.1
1-4 Family residential mortgages 2,245,323 2,238,248 2,175,790 3.2
Nonfarm nonresidential 968,401 939,426 904,368 7.1
Construction and development 628,918 616,447 565,282 11.3
Home equity lines 607,396 591,363 559,307 8.6
Commercial & industrial loans 1,440,314 1,388,804 1,214,754 18.6
Loans to individuals 1,059,143 1,013,345 955,263 10.9
Credit cards 422,481 384,506 384,980 9.7
Farm loans 56,783 56,166 54,257 4.7
Other loans & leases 571,798 546,314 503,608 13.5
Less: Unearned income 2,313 2,237 2,401 -3.7
Total loans & leases 7,906,357 7,703,433 7,233,196 9.3
Less: Reserve for losses 101,715 86,948 77,533 31.2
Net loans and leases 7,804,643 7,616,485 7,155,663 9.1
Securities 1,954,086 1,989,074 1,980,497 -1.3
Other real estate owned 12,138 9,806 6,057 100.4
Goodwill and other intangibles 465,680 461,065 413,434 12.6
All other assets 2,802,218 2,630,552 2,304,391 21.6
Total liabilities and capital 13,038,765 12,706,982 11,860,042 9.9
Deposits 8,414,356 8,181,581 7,825,219 7.5
Domestic office deposits 6,911,780 6,741,172 6,631,184 4.2
Foreign office deposits 1,502,575 1,440,409 1,194,036 25.8
Other borrowed funds 2,517,336 2,454,143 2,121,086 18.7
Subordinated debt 185,409 177,474 160,547 15.5
All other liabilities 569,405 566,582 505,335 12.7
Equity capital 1,352,259 1,327,202 1,247,855 8.4
Loans and leases 30-89 days past due 110,937 92,233 71,507 55.1
Noncurrent loans and leases 109,914 82,974 57,387 91.5
Restructured loans and leases 6,991 4,130 2,608 168.1
Direct and indirect investments in real estate 1,104 1,098 1,091 1.2
Mortgage-backed securities 1,236,031 1,199,169 1,206,913 2.4
Earning assets 11,306,104 11,031,937 10,336,488 9.4
FHLB advances 808,781 770,363 620,914 30.3
Unused loan commitments 8,359,380 8,302,064 7,572,935 10.4
Trust assets 21,865,518 21,501,132 19,277,633 13.4
Assets securitized and sold** 1,773,817 1,741,732 1,310,475 35.4
Notional amount of derivatives** 164,780,773 173,284,358 132,182,732 24.7
INCOME DATA Full Year
2007		 Full Year
2006		 % Change 4th Quarter
2007		 4th Quarter
2006		 % Change
06:4-07:4
Total interest income $725,156 $643,459 12.7 $189,149 $171,499 10.3
Total interest expense 372,311 313,353 18.8 97,117 89,180 8.9
Net interest income 352,845 330,106 6.9 92,032 82,319 11.8
Provision for loan and lease losses 68,164 29,545 130.7 31,253 9,852 217.2
Total noninterest income 233,419 240,430 -2.9 47,831 55,917 -14.5
Total noninterest expense 362,540 332,307 9.1 100,128 81,044 23.6
Securities gains (losses) -1,331 1,969 N/M -3,633 513 N/M
Applicable income taxes 47,019 68,081 -30.9 -731 14,709 N/M
Extraordinary gains, net -1,740 2,669 N/M 237 2,094 -88.7
Net income 105,470 145,242 -27.4 5,816 35,238 -83.5
Net charge-offs 43,903 27,016 62.5 16,155 8,509 89.9
Cash dividends 110,160 93,445 17.9 20,550 34,104 -39.7
Retained earnings -4,690 51,797 N/M -14,734 1,134 N/M
Net operating income 107,852 141,388 -23.7 7,762 32,879 -76.4
** Call Report filers only N/M - Not Meaningful

Last Updated 02/26/2008 Questions, Suggestions & Requests

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