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Quarterly Banking Profile
TABLE II-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
(dollar figures in millions) 3rd Quarter
2008		 2nd Quarter
2008		 3rd Quarter
2007		 % Change
07Q3-08Q3
Number of institutions reporting 8,384 8,451 8,559 -2.0
Total employees (full-time equivalent) 2,170,671 2,203,883 2,220,522 -2.2
CONDITION DATA
Total assets $13,573,691 $13,300,540 $12,706,161 6.8
Loans secured by real estate 4,750,985 4,794,248 4,701,346 1.1
1-4 Family residential mortgages 2,102,080 2,154,173 2,238,180 -6.1
Nonfarm nonresidential 1,043,393 1,018,988 939,556 11.1
Construction and development 617,055 627,283 616,538 0.1
Home equity lines 652,119 646,903 591,372 10.3
Commercial & industrial loans 1,503,737 1,492,357 1,388,441 8.3
Loans to individuals 1,082,731 1,069,479 1,013,355 6.8
Credit cards 411,627 396,045 384,506 7.1
Farm loans 59,656 58,284 56,166 6.2
Other loans & leases 595,646 584,210 546,851 8.9
Less: Unearned income 2,739 2,513 2,237 22.4
Total loans & leases 7,990,015 7,996,065 7,703,922 3.7
Less: Reserve for losses 156,065 144,383 87,037 79.3
Net loans and leases 7,833,950 7,851,682 7,616,885 2.8
Securities 2,025,534 2,017,391 1,989,103 1.8
Other real estate owned 22,966 18,902 9,818 133.9
Goodwill and other intangibles 484,178 481,438 461,068 5.0
All other assets 3,207,062 2,931,127 2,629,288 22.0
Total liabilities and capital 13,573,691 13,300,540 12,706,161 6.8
Deposits 8,727,485 8,572,643 8,180,226 6.7
Domestic office deposits 7,221,963 7,029,111 6,739,817 7.2
Foreign office deposits 1,505,522 1,543,532 1,440,409 4.5
Other borrowed funds 2,732,570 2,598,234 2,454,148 11.3
Subordinated debt 176,833 185,078 177,469 -0.4
All other liabilities 629,706 593,306 567,141 11.0
Equity capital 1,307,097 1,351,279 1,327,177 -1.5
Loans and leases 30-89 days past due 121,587 110,814 92,558 31.4
Noncurrent loans and leases 184,269 162,895 83,024 121.9
Restructured loans and leases 14,846 14,499 4,123 260.1
Direct and indirect investments in real estate 910 972 1,081 -15.9
Mortgage-backed securities 1,260,945 1,322,210 1,217,755 3.5
Earning assets 11,493,605 11,441,334 11,032,330 4.2
FHLB Advances 911,465 840,543 770,419 18.3
Unused loan commitments 7,860,609 8,158,701 8,301,846 -5.3
Trust assets 19,948,345 21,750,102 21,501,132 -7.2
Assets securitized and sold*** 1,906,828 1,750,710 1,663,308 14.6
Notional amount of derivatives*** 177,103,186 183,303,064 174,574,544 1.4
INCOME DATA First Three Quarters
2008		 First Three Quarters
2007		 % Change 3rd Quarter
2008		 3rd Quarter
2007		 % Change
07Q3-08Q3
Total interest income $487,019 $542,106 -10.2 $159,097 $188,077 -15.4
Total interest expense 207,949 278,586 -25.4 63,787 97,215 -34.4
Net interest income 279,070 263,520 5.9 95,310 90,862 4.9
Provision for loan and lease losses 124,517 37,208 234.7 50,548 16,785 201.2
Total noninterest income 175,521 187,130 -6.2 58,218 59,123 -1.5
Total noninterest expense 274,323 265,254 3.4 93,920 90,162 4.2
Securities gains (losses) -8,037 2,325 N/M -7,592 77 N/M
Applicable income taxes 15,679 48,084 -67.4 717 13,407 -94.7
Extraordinary gains, net 534 -1,917 N/M 975 -995 N/M
Net income 32,569 100,513 -67.6 1,726 28,714 -94.0
Net charge-offs 68,559 27,937 145.4 27,892 10,879 156.4
Cash dividends 42,592 94,397 -54.9 10,979 27,914 -60.7
Retained earnings -10,023 6,116 N/M -9,253 800 N/M
Net operating income 37,457 100,869 -62.9 6,135 29,678 -79.3
*** Call Report filers only N/M - Not Meaningful

Last Updated 11/25/2008 Questions, Suggestions & Requests

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