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Quarterly Banking Profile

TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks
(dollar figures in millions) Preliminary
1st Quarter
2001
4th Quarter
2000
1st Quarter
2000
%Change
00:1-01:1
Number of institutions reporting. 8,238 8,315 8,518 -3.3
Total employees (full-time equivalent) 1,681,989 1,669,677 1,648,903 2.0
CONDITION DATA
Total assets $6,311,175 $6,239,068 $5,845,600 8.0
Loans secured by real estate 1,698,665 1,670,646 1,561,448 8.8
Commercial & industrial loans 1,045,589 1,048,207 1,000,927 4.5
Loans to individuals 598,379 609,723 556,697 7.5
Farm loans 46,295 48,077 43,370 6.7
Other loans & leases 442,333 442,768 408,810 8.2
Less: Unearned income 2,775 2,915 3,252 -14.7
Total loans & leases 3,828,486 3,816,507 3,568,000 7.3
Less: Reserve for losses 64,668 64,088 59,861 8.0
Net loans and leases 3,763,818 3,752,418 3,508,139 7.3
Securities 1,048,025 1,077,771 1,056,616 -0.8
Other real estate owned 3,053 2,904 2,765 10.4
Goodwill and other intangibles 103,532 102,701 101,313 2.2
All other assets 1,392,747 1,303,273 1,176,767 18.4
Total liabilities and capital 6,311,175 6,239,068 5,845,600 8.0
Noninterest-bearing deposits 722,798 755,924 708,698 2.0
Interest-bearing deposits 3,461,233 3,420,998 3,168,667 9.2
Other borrowed funds 1,143,259 1,107,320 1,088,802 5.0
Subordinated debt 90,523 87,043 78,934 14.7
All other liabilities 347,110 338,306 308,940 12.4
Equity capital 546,253 529,477 491,559 11.1
Loans and leases 30-89 days past due 47,253 47,922 39,805 18.7
Noncurrent loans and leases 46,092 42,921 34,603 33.2
Restructured loans and leases 1,227 1,312 1,131 8.5
Direct and indirect investments in real estate 274 294 309 -11.3
1-4 Family residential mortgages 925,097 916,646 862,540 7.3
Mortgage-backed securities 493,845 470,484 461,321 7.1
Earning assets 5,443,129 5,376,071 5,045,782 7.9
Long-term assets (5+ years) 1,160,409 1,186,541 1,220,930 -5.0
Volatile liabilities 2,151,314 2,182,271 2,043,528 5.3
Foreign office deposits 671,096 706,666 639,489 4.9
FHLB Advances (Source: FHFB, Call Reports) 184,561 175,349 161,052 14.6
Unused loan commitments 4,564,468 4,207,712 3,853,101 18.5
Off-balance-sheet derivatives 44,331,747 40,760,454 37,397,363 18.5
INCOME DATA Full Year
2000
Full Year
1999
%Change Preliminary
1st Quarter
2001
1st Quarter
2000
%Change
00:1-01:1 
Total interest income $428,053 $367,358 16.5 $109,617 $100,324 9.3
Total interest expense 224,234 175,151 28.0 57,798 50,254 15.0
Net interest income 203,819 192,207 6.0 51,819 50,070 3.5
Provision for loan and lease losses 29,967 21,815 37.4 7,938 5,832 36.1
Total noninterest income 153,403 144,403 6.2 40,152 38,402 4.6
Total noninterest expense 215,943 204,216 5.7 54,997 51,969 5.8
Securities gains (losses) -2,285 180 N/M 1,171 -730 N/M
Applicable income taxes 37,971 39,376 -3.6 9,991 10,477 -4.6
Extraordinary gains, net -32 169 N/M -336 17 N/M
Net income 71,023 71,551 -0.7 19,879 19,482 2.0
Net charge-offs 24,761 20,361 21.6 6,968 5,046 38.1
Cash dividends 53,817 51,937 3.6 13,449 11,535 16.6
Net operating income 72,612 71,317 1.8 19,380 19,945 -2.8
N/M - Not meaningful

Last Updated 06/07/2001 Questions, Suggestions & Requests