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Quarterly Banking Profile

TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks
(dollar figures in millions) Preliminary
3rd Quarter
2002		 2nd Quarter
2002		 3rd Quarter
2001		 Percent
Change
01:3-02:3
Number of institutions reporting 7,933 7,968 8,149 -2.7
Total employees (full-time equivalent) 1,728,928 1,739,061 1,671,152 3.5
CONDITION DATA
Total assets $6,932,512 $6,749,833 $6,555,519 5.8
Loans secured by real estate 1,971,837 1,887,263 1,747,875 12.8
Commercial & industrial loans 921,557 938,554 1,011,433 -8.9
Loans to individuals 688,195 662,491 607,562 13.3
Farm loans 47,670 47,644 48,427 -1.6
Other loans & leases 443,544 439,583 448,147 -1.0
Less: Unearned income 3,634 3,830 2,665 36.4
Total loans & leases 4,069,206 3,971,705 3,860,780 5.4
Less: Reserve for losses 75,500 74,342 68,213 10.7
Net loans and leases 3,993,707 3,897,363 3,792,567 5.3
Securities 1,292,320 1,237,134 1,106,870 16.8
Other real estate owned 3,954 3,874 3,459 14.3
Goodwill and other intangibles 122,211 129,571 111,728 9.4
All other assets 1,520,338 1,481,891 1,540,896 -1.3
Total liabilities and capital 6,932,512 6,749,833 6,555,519 5.8
Noninterest-bearing deposits 891,859 826,843 777,491 14.7
Interest-bearing deposits 3,649,212 3,621,433 3,517,121 3.8
Other borrowed funds 1,242,941 1,191,088 1,167,133 6.5
Subordinated debt 92,773 93,712 92,439 0.4
All other liabilities 416,322 392,819 415,615 0.2
Equity capital 639,421 623,938 585,720 9.2
Loans and leases 30-89 days past due 46,542 45,814 52,559 -11.4
Noncurrent loans and leases 61,177 58,437 51,693 18.3
Restructured loans and leases 1,783 1,633 1,061 68.1
Direct and indirect investments in real estate 252 270 253 -0.6
1-4 Family residential mortgages 1,083,920 1,012,960 931,415 16.4
Mortgage-backed securities 695,047 661,393 560,263 24.1
Earning assets 5,931,431 5,796,956 5,585,109 6.2
Long-term assets (5+ years) 1,446,223 1,397,904 1,264,493 14.4
Volatile liabilities 2,168,117 2,128,561 2,182,809 -0.7
Foreign office deposits 612,973 640,905 680,897 -10.0
FHLB Advances 240,591 217,834 191,545 25.6
Unused loan commitments 5,261,038 5,183,224 4,732,508 11.2
Derivatives 53,682,288 50,577,822 51,348,981 4.5
INCOME DATA Preliminary
First Three
Qtrs 2002		 First Three
Qtrs 2001		 Percent
Change		 Preliminary
3rd Quarter
2002		 3rd Quarter
2001		 Percent
Change
01:3-02:3
Total interest income $269,769 $310,507 -13.1 $90,680 $100,111 -9.4
Total interest expense 93,002 152,994 -39.2 31,070 45,855 -32.2
Net interest income 176,767 157,513 12.2 59,610 54,256 9.9
Provision for loan and lease losses 35,182 28,004 25.6 12,740 11,583 10.0
Total noninterest income 127,668 116,909 9.2 43,647 38,838 12.4
Total noninterest expense 171,257 164,787 3.9 58,372 56,173 3.9
Securities gains (losses) 4,174 2,921 42.9 2,466 1,007 144.9
Applicable income taxes 33,897 28,580 18.6 11,507 8,986 28.1
Extraordinary gains, net -2 -265 N/M -40 8 N/M
Net income 68,617 55,708 23.2 23,409 17,365 34.8
Net charge-offs 33,181 23,837 39.2 11,546 9,258 24.7
Cash dividends 49,286 39,207 25.7 15,377 13,572 13.3
Net operating income 65,793 53,957 21.9 21,778 16,667 30.7
Note: These are preliminary data and are subject to further revision. N/M - Not meaningful

Last Updated 11/26/2002 insurance-research@fdic.gov

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