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Quarterly Banking Profile

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

Preliminary
4th Quarter
2001

3rd Quarter
2001 		4th Quarter
2000

%Change
00:4-01:4

Number of institutions reporting 8,080 8,149 8,315 -2.8
Total employees (full-time equivalent) 1,704,872 1,671,162 1,670,857 2.0
CONDITION DATA
Total assets $6,570,047 $6,555,671 $6,244,622 5.2
Loans secured by real estate 1,803,563 1,749,213 1,673,185 7.8
Commercial & industrial loans 982,537 1,010,372 1,051,060 -6.5
Loans to individuals 631,159 607,557 606,664 4.0
Farm loans 47,776 48,280 48,099 -0.7
Other loans & leases 433,466 448,059 443,469 -2.3
Less: Unearned income 3,111 2,665 2,931 6.1
Total loans & leases 3,895,390 3,860,817 3,819,547 2.0
Less: Reserve for losses 72,101 68,215 64,137 12.4
Net loans and leases 3,823,289 3,792,601 3,755,409 1.8
Securities 1,179,521 1,106,817 1,078,981 9.3
Other real estate owned 3,568 3,457 2,912 22.5
Goodwill and other intangibles 122,415 111,689 103,781 18.0
All other assets 1,441,254 1,541,107 1,303,538 10.6
Total liabilities and capital 6,570,047 6,555,671 6,244,622 5.2
Noninterest-bearing deposits 881,942 777,646 756,561 16.6
Interest-bearing deposits 3,510,111 3,517,030 3,423,073 2.5
Other borrowed funds 1,129,728 1,167,113 1,108,777 1.9
Subordinated debt 95,317 92,442 87,043 9.5
All other liabilities 355,034 415,440 338,436 4.9
Equity capital 597,915 585,999 530,731 12.7
Loans and leases 30-89 days past due 53,287 52,561 47,953 11.1
Noncurrent loans and leases 54,939 51,697 42,941 27.9
Restructured loans and leases 1,030 1,063 1,312 -21.5
Direct and indirect investments in real estate 265 253 297 -10.9
1-4 Family residential mortgages 966,319 931,451 917,657 5.3
Mortgage-backed securities 613,569 560,254 471,243 30.2
Earning assets 5,598,683 5,584,869 5,380,269 4.1
Long-term assets (5+ years) 1,341,797 1,264,512 1,187,694 13.0
Volatile liabilities 2,061,371 2,180,294 2,184,056 -5.6
Foreign office deposits 629,681 680,900 706,666 -10.9
FHLB Advances (Source: FHFB, Call Reports) 198,607 191,550 174,742 13.7
Unused loan commitments 4,872,609 4,763,651 4,469,121 9.0
Derivatives 45,496,657 50,324,021 40,760,447 11.6

INCOME DATA

Preliminary
Full Year
2001

Full Year
2000  		%Change Preliminary
4th Quarter
2001 		4th Quarter
2000

%Change
00:4-01:4

Total interest income $402,908 $428,449 -6.0 $92,739 $112,504 -17.6
Total interest expense 187,709 224,488 -16.4 34,555 60,636 -43.0
Net interest income 215,199 203,962 5.5 58,184 51,868 12.2
Provision for loan and lease losses 43,071 30,001 43.6 15,193 10,211 48.8
Total noninterest income 157,587 153,452 2.7 40,891 40,082 2.0
Total noninterest expense 222,317 216,105 2.9 57,623 55,431 4.0
Securities gains (losses) 4,478 -2,283 N/M 1,210 207 484.5
Applicable income taxes 37,029 37,983 -2.5 8,522 8,790 -3.1
Extraordinary gains, net -251 -32 N/M 17 -46 N/M
Net income 74,595 71,009 5.1 18,964 17,679 7.3
Net charge-offs 36,466 24,785 47.1 12,732 8,824 44.3
Cash dividends 54,060 53,844 0.4 15,045 18,636 -19.3
Net operating income 71,766 72,598 -1.2 18,096 17,217 5.1
N/M - Not meaningful

Last Updated 02/28/2002 Questions, Suggestions & Requests

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