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TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks
(dollar figures in millions) Preliminary
4th Quarter
2000
3rd Quarter
2000
4th Quarter
1999
%Change
99:4-00:4
Number of institutions reporting 8,315 8,376 8,580 -3.1
Total employees (full-time equivalent) 1,662,335 1,654,929 1,657,535 0.3
CONDITION DATA
Total assets $6,238,713 $6,064,073 $5,734,761 8.8
Loans secured by real estate 1,670,278 1,659,388 1,510,036 10.6
Commercial & industrial loans 1,048,248 1,044,305 970,986 8.0
Loans to individuals 609,713 584,294 558,351 9.2
Farm loans 48,078 47,331 45,276 6.2
Other loans & leases 442,789 444,833 410,307 7.9
Less: Unearned income 2,915 3,046 3,671 -20.6
Total loans & leases 3,816,191 3,777,104 3,491,285 9.3
Less: Reserve for losses 64,054 62,540 58,770 9.0
Net loans and leases 3,752,138 3,714,565 3,432,515 9.3
Securities 1,077,668 1,061,168 1,046,343 3.0
Other real estate owned 2,905 2,819 2,795 3.9
Goodwill and other intangibles 102,703 104,511 98,042 4.8
All other assets 1,303,299 1,181,011 1,155,066 12.8
Total liabilities and capital 6,238,713 6,064,073 5,734,761 8.8
Noninterest-bearing deposits 765,893 704,979 703,381 8.9
Interest-bearing deposits 3,410,682 3,314,619 3,127,446 9.1
Other borrowed funds 1,107,232 1,127,335 1,048,828 5.6
Subordinated debt 87,043 84,510 76,450 13.9
All other liabilities 338,280 311,452 298,935 13.2
Equity capital 529,583 521,177 479,722 10.4
Loans and leases 30-89 days past due 47,936 43,201 39,701 20.7
Noncurrent loans and leases. 42,911 38,851 32,996 30.0
Restructured loans and leases 1,311 1,748 1,146 14.4
Direct and indirect investments in real estate 293 316 279 5.2
1-4 Family residential mortgages 916,383 920,554 839,199 9.2
Mortgage-backed securities 470,469 448,966 454,463 3.5
Earning assets 5,375,687 5,254,621 4,947,473 8.7
Long-term assets (5+ years) 1,186,292 1,177,561 1,181,056 0.4
Volatile liabilities 2,182,480 2,166,119 2,003,859 8.9
Foreign office deposits 706,666 694,207 655,589 7.8
Unused loan commitments 4,465,709 4,330,673 3,974,072 12.4
Off-balance-sheet derivatives 40,758,689 38,750,721 34,883,794 16.8
Preliminary
Full Year
2000
Full Year
1999
%Change Preliminary
4th Quarter
2000
4th Quarter
1999
%Change
99:4-00:4
INCOME DATA
Total interest income $427,985 $367,322 16.5 $112,401 $97,179 15.7
Total interest expense 224,195 175,129 28.0 60,571 47,935 26.4
Net interest income 203,790 192,193 6.0 51,830 49,244 5.3
Provision for credit losses 29,254 21,814 34.1 9,491 6,134 54.7
Total noninterest income 152,751 144,400 5.8 39,429 38,786 1.7
Total noninterest expense 215,753 204,196 5.7 55,263 54,779 0.9
Securities gains (losses) -2,285 181 N/M 196 -275 N/M
Applicable income taxes 38,043 39,377 -3.4 8,835 9,315 -5.2
Extraordinary gains, net -30 169 N/M -46 202 N/M
Net income 71,176 71,556 -0.5 17,821 17,730 0.5
Net charge-offs 23,613 20,360 16.0 7,658 6,027 27.1
Cash dividends 53,798 51,933 3.6 18,622 16,344 13.9
Net operating income 72,762 71,321 2.0 17,366 17,707 -1.9
N/M - Not meaningful
Last Updated 03/07/2001 Questions, Suggestions & Requests