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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
2001

2nd Quarter
2001
3rd Quarter
2000

%Change
00:3-01:3

Number of institutions reporting 8,147 8,178 8,375 -2.7
Total employees (full-time equivalent) 1,671,281 1,690,443 1,655,790 0.9
CONDITION DATA
Total assets $6,553,465 $6,360,142 $6,067,230 8.0
Loans secured by real estate 1,748,603 1,737,843 1,661,080 5.3
Commercial & industrial loans 1,010,576 1,025,755 1,041,624 -3.0
Loans to individuals 607,472 610,666 584,341 4.0
Farm loans 48,285 48,926 47,356 2.0
Other loans & leases 447,978 438,630 447,819 0.0
Less: Unearned income 2,664 2,767 3,053 -12.8
Total loans & leases 3,860,253 3,859,054 3,779,167 2.1
Less: Reserve for losses 68,199 65,757 62,558 9.0
Net loans and leases 3,792,053 3,793,297 3,716,610 2.0
Securities 1,106,292 1,056,248 1,062,196 4.2
Other real estate owned 3,457 3,203 2,825 22.4
Goodwill and other intangibles 110,917 103,400 104,508 6.1
All other assets 1,540,746 1,403,994 1,181,091 30.5
Total liabilities and capital 6,553,465 6,360,142 6,067,230 8.0
Noninterest-bearing deposits 777,059 753,158 705,287 10.2
Interest-bearing deposits 3,516,526 3,491,564 3,316,305 6.0
Other borrowed funds 1,167,022 1,135,910 1,128,375 3.4
Subordinated debt 92,455 89,580 84,510 9.4
All other liabilities 415,160 332,567 311,440 33.3
Equity capital 585,243 557,363 521,313 12.3
Loans and leases 30-89 days past due 52,615 46,778 43,217 21.7
Noncurrent loans and leases 51,793 48,674 38,869 33.2
Restructured loans and leases 1,075 1,005 1,747 -38.5
Direct and indirect investments in real estate 252 267 318 -20.9
1-4 Family residential mortgages 931,032 943,569 921,403 1.0
Mortgage-backed securities 560,173 518,345 449,592 24.6
Earning assets 5,583,732 5,478,100 5,257,678 6.2
Long-term assets (5+ years) 1,264,325 1,241,873 1,178,645 7.3
Volatile liabilities 2,180,069 2,155,387 2,167,254 0.6
Foreign office deposits 680,876 679,732 694,207 -1.9
FHLB Advances (Source: FHFB, Call Reports) 191,379 184,044 176,282 8.6
Unused loan commitments 4,762,398 4,671,644 4,331,221 10.0
Derivatives 51,679,485 48,212,925 38,752,074 33.4

INCOME DATA

Preliminary First Three Qtrs 2001

First Three
Qtrs 2000

%Change

Preliminary
3rd Quarter
2001

3rd Quarter
2000

%Change
00:3-01:3

Total interest income $310,557 $316,380 -1.8 $100,132 $110,174 -9.1
Total interest expense 153,031 164,029 -6.7 45,876 58,847 -22.0
Net interest income 157,526 152,351 3.4 54,256 51,327 5.7
Provision for loan and lease losses 27,998 19,778 41.6 11,579 6,742 71.8
Total noninterest income 116,993 113,275 3.3 38,757 39,257 -1.3
Total noninterest expense 164,675 160,786 2.4 56,086 53,684 4.5
Securities gains (losses) 2,920 -2,490 N/M 1,007 -713 N/M
Applicable income taxes 28,622 29,208 -2.0 8,973 10,190 -11.9
Extraordinary gains, net -266 14 N/M 7 1 810.6
Net income 55,879 53,377 4.7 17,388 19,257 -9.7
Net charge-offs 23,839 15,985 49.1 9,264 5,663 63.6
Cash dividends 39,050 35,238 10.8 13,425 12,475 7.6
Net operating income 54,128 55,428 -2.4 16,691 19,981 -16.5
N/M - Not meaningful

Last Updated 11/29/2001 research@fdic.gov