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Insurance Corporation

Each depositor insured to at least $250,000 per insured bank



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Quarterly Banking Profile

TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks
(dollar figures in millions)

Preliminary
2nd Quarter
2001

1st Quarter
2001

2nd Quarter
2000

%Change
00:2-01:2
Number of institutions reporting 8,178 8,238 8,477 -3.5

Total employees (full-time equivalent)

1,690,393 1,682,974 1,661,933 1.7

CONDITION DATA

Total assets

$6,360,162 $6,315,321 $5,983,472 6.3

Loans secured by real estate

1,737,715 1,702,166 1,627,250 6.8

Commercial & industrial loans

1,025,888 1,045,772 1,033,497 -0.7

Loans to individuals

610,629 597,506 569,279 7.3

Farm loans

48,927 46,228 47,014 4.1

Other loans & leases

438,664 442,384 430,860 1.8

Less: Unearned income

2,764 2,790 3,205 -13.7

Total loans & leases

3,859,060 3,831,266 3,704,696 4.2

Less: Reserve for losses

65,749 64,726 61,957 6.1

Net loans and leases

3,793,311 3,766,540 3,642,739 4.1

Securities

1,056,247 1,049,048 1,046,678 0.9

Other real estate owned

3,203 3,066 2,781 15.2

Goodwill and other intangibles

107,623 103,572 102,295 5.2

All other assets

1,399,780 1,393,096 1,188,979 17.7

Total liabilities and capital

6,360,162 6,315,321 5,983,472 6.3

Noninterest-bearing deposits

753,219 722,021 723,425 4.1

Interest-bearing deposits

3,491,517 3,464,452 3,250,758 7.4

Other borrowed funds

1,135,904 1,144,616 1,128,649 0.6

Subordinated debt

89,580 90,525 82,216 9.0

All other liabilities

332,571 347,130 295,045 12.7

Equity capital

557,373 546,578 503,378 10.7

Loans and leases 30-89 days past due

46,917 47,281 39,413 19.0

Noncurrent loans and leases

48,809 46,113 36,675 33.1

Restructured loans and leases

1,006 1,185 1,114 -9.7

Direct and indirect investments in real estate

267 277 320 -16.6

1-4 Family residential mortgages

943,563 926,958 903,959 4.4

Mortgage-backed securities

518,338 494,604 452,705 14.5

Earning assets

5,478,115 5,446,905 5,181,080 5.7

Long-term assets (5+ years)

1,241,914 1,160,805 1,209,597 2.7

Volatile liabilities

2,155,384 2,152,985 2,145,980 0.4

Foreign office deposits

679,732 671,096 685,411 -0.8

FHLB Advances (Source: FHFB, Call Reports)

184,098 179,625 178,636 3.1

Unused loan commitments

4,671,772 4,551,259 4,174,970 11.9

Derivatives

48,212,925 44,332,066 38,918,854 23.9

INCOME DATA

Preliminary
First Half
2001

First Half
2000
%Change Preliminary
2nd Quarter
2001
2nd Quarter
2000

%Change
00:2-01:2

Total interest income $213,521 $206,288 3.5 $104,329 $105,826 -1.4

Total interest expense

108,698 105,185 3.3 51,118 54,822 -6.8

Net interest income

104,823 101,103 3.7 53,211 51,004 4.3

Provision for loan and lease losses

16,775 13,046 28.6 8,837 7,227 22.3

Total noninterest income

79,231 74,097 6.9 39,184 35,622 10.0

Total noninterest expense

110,032 107,207 2.6 55,250 55,174 0.1

Securities gains (losses)

2,030 -1,772 N/M 861 -1,044 N/M

Applicable income taxes

19,946 19,037 4.8 9,988 8,541 16.9

Extraordinary gains, net

-352 13 N/M -17 -4 N/M

Net income

38,980 34,150 14.1 19,164 14,636 30.9

Net charge-offs

14,880 10,329 44.1 7,926 5,284 50.0

Cash dividends

25,892 22,774 13.7 12,518 11,267 11.1

Net operating income

37,931 35,473 6.9 18,612 15,498 20.1

N/M - Not meaningful

Last Updated 09/05/2001 Questions, Suggestions & Requests

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