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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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