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Quarterly Banking Profile
TABLE II-C. Aggregate Condition and Income Data, All FDIC-Insured Institutions*
(dollar figures in millions) Preliminary
1st Quarter
2002		 4th Quarter
2001		 1st Quarter
2001		 %Change
01:1-02:1
Number of institutions reporting 9,520 9,613 9,822 -3.1
Total employees (full-time equivalent) 1,994,118 1,967,573 1,933,562 3.1
CONDITION DATA
Total assets $7,822,900 $7,869,042 $7,571,793 3.3
Loans secured by real estate 2,556,858 2,560,684 2,442,927 4.7
1-4 Family residential 1,543,673 1,564,177 1,512,210 2.1
Home equity loans 198,946 184,315 154,238 29.0
Multifamily residential property 125,563 123,126 119,086 5.4
Commercial real estate 584,171 569,433 531,700 9.9
Construction, development, and land 232,175 231,463 210,164 10.5
Other real estate loans 71,276 72,486 69,768 2.2
Commercial & industrial loans 1,005,291 1,020,273 1,080,861 -7.0
Loans to individuals 718,146 701,054 663,107 8.3
Credit cards & related plans 264,526 250,299 232,922 13.6
Other loans & leases 477,278 488,296 495,069 -3.6
Less: Unearned income & contra accounts 4,002 3,276 2,970 34.8
Total loans & leases 4,753,571 4,767,031 4,678,994 1.6
Less: Reserve for losses 82,717 79,796 72,205 14.6
Net loans and leases 4,670,855 4,687,235 4,606,789 1.4
Securities 1,488,232 1,464,812 1,328,606 12.0
Other real estate owned 4,874 4,619 4,063 20.0
Goodwill and other intangibles 158,008 143,765 120,126 31.5
All other assets 1,500,926 1,568,612 1,512,210 -0.7
Total liabilities and capital 7,822,900 7,869,042 7,571,793 3.3
Deposits 5,172,313 5,189,438 4,948,478 4.5
Other borrowed funds 1,490,738 1,495,909 1,506,990 -1.1
Subordinated debt 96,731 99,227 93,692 3.2
All other liabilities 341,114 376,793 368,690 -7.5
Equity capital 722,004 707,675 653,945 10.4
Loans and leases 30-89 days past due 57,800 62,783 55,629 3.9
Noncurrent loans and leases 65,102 62,492 52,373 24.3
Restructured loans and leases 3,503 3,195 2,535 38.2
Direct and indirect investments in real estate 688 687 902 -23.7
Mortgage-backed securities 814,104 810,120 706,064 15.3
Earning assets 6,825,000 6,791,287 6,604,921 3.3
FHLB Advances 442,526 452,502 438,223 1.0
Unused loan commitments 5,383,143 5,149,068 4,824,483 11.6
INCOME DATA
Full Year
2001

Full Year
2000

 %Change Preliminary
1st Quarter
2002		 1st Quarter
2001		 %Change
01:1-02:1
Total interest income $486,820 $512,228 -5.0 $108,428 $132,036 -17.9
Total interest expense 235,010 276,506 -15.0 39,268 71,606 -45.2
Net interest income 251,810 235,723 6.8 69,160 60,430 14.4
Provision for loan and lease losses 45,955 32,043 43.4 12,455 8,637 44.2
Total noninterest income 168,897 164,834 2.5 44,429 43,107 3.1
Total noninterest expense 251,062 241,583 3.9 63,736 62,136 2.6
Securities gains (losses) 8,732 -1,484 N/M 1,345 2,001 -32.8
Applicable income taxes 44,190 43,704 1.1 13,302 11,638 14.3
Extraordinary gains, net -649 -35 N/M -71 -368 N/M
Net income 87,583 81,707 7.2 25,369 22,759 11.5

* Excludes insured branches of foreign banks (IBAs).

Last Updated 06/12/2002 Questions, Suggestions & Requests

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