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Quarterly Banking Profile
TABLE II-C. Aggregate Condition and Income Data, All FDIC-Insured Institutions*
(dollar figures in millions)

Preliminary
2nd Quarter
2002

1st Quarter
2002

2nd Quarter
2001

%Change
01:2-02:2
Number of institutions reporting 9,464 9,520 9,747 -2.9
Total employees (full-time equivalent) 2,001,230 1,994,141 1,954,257 2.4
CONDITION DATA
Total assets $8,037,693 $7,822,619 $7,634,788 5.3
Loans secured by real estate 2,627,533 2,557,682 2,488,635 5.6
1-4 Family residential 1,588,799 1,543,669 1,537,402 3.3
Home equity loans 223,062 198,960 160,995 38.6
Multifamily residential property 129,830 125,478 118,733 9.3
Commercial real estate 599,344 585,036 540,931 10.8
Construction, development, and land 235,887 232,222 221,412 6.5
Other real estate loans 73,672 71,277 70,157 5.0
Commercial & industrial loans 976,704 1,004,547 1,065,505 -8.3
Loans to individuals 728,769 718,040 675,713 7.9
Credit cards & related plans 267,743 264,393 242,311 10.5
Other loans & leases 491,931 477,289 492,855 -0.2
Less: Unearned income & contra accounts 3,988 4,003 2,945 35.4
Total loans & leases 4,820,950 4,753,556 4,719,763 2.1
Less: Reserve for losses 82,365 82,938 73,384 12.2
Net loans and leases 4,738,585 4,670,618 4,646,380 2.0
Securities 1,530,149 1,488,262 1,335,542 14.6
Other real estate owned 4,904 4,875 4,235 15.8
Goodwill and other intangibles 153,516 158,015 126,495 21.4
All other assets 1,610,539 1,500,843 1,522,136 5.8
Total liabilities and capital 8,037,693 7,822,619 7,634,788 5.3
Deposits 5,253,776 5,172,305 5,020,422 4.6
Other borrowed funds 1,528,765 1,491,277 1,500,893 1.9
Subordinated debt 97,020 96,731 93,476 3.8
All other liabilities 414,537 340,546 354,346 17.0
Equity capital 743,595 721,761 665,650 11.7
Loans and leases 30-89 days past due 54,224 57,739 55,028 -1.5
Noncurrent loans and leases 65,816 65,012 55,240 19.1
Restructured loans and leases 3,298 3,492 2,506 31.6
Direct and indirect investments in real estate 704 688 881 -20.1
Mortgage-backed securities 855,436 814,093 716,572 19.4
Earning assets 6,974,327 6,824,694 6,648,484 4.9
FHLB Advances 441,614 442,551 438,214 0.8
Unused loan commitments 5,514,685 5,383,133 4,934,854 11.7
INCOME DATA

Preliminary
First Half
2002

First Half
2001

 %Change

Preliminary
2nd Quarter
2002

2nd Quarter
2001

 %Change
01:2-02:2
INCOME DATA 2002 2001 %Change 2002 2001 01:2-02:2
Total interest income $217,337 $257,913 -15.7 $109,113 $126,434 -13.7
Total interest expense 79,221 135,396 -41.5 40,012 64,085 -37.6
Net interest income 138,116 122,517 12.7 69,102 62,349 10.8
Provision for loan and lease losses 24,125 18,179 32.7 11,791 9,563 23.3
Total noninterest income 90,075 85,215 5.7 45,343 42,292 7.2
Total noninterest expense 128,230 124,528 3.0 64,549 62,654 3.0
Securities gains (losses) 3,700 3,905 -5.2 2,319 1,907 21.6
Applicable income taxes 26,511 23,421 13.2 13,221 11,842 11.6
Extraordinary gains, net 45 -397 N/M 117 -31 N/M
Net income 53,068 45,112 17.6 27,320 22,458 21.6
* Excludes insured branches of foreign banks (IBAs). N/M - Not meaningful

Last Updated 09/12/2002 Questions, Suggestions & Requests

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