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Quarterly Banking Profile
TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks
(dollar figures in millions) Preliminary
1st Quarter
2002		 4th Quarter
2001		 1st Quarter
2001		 %Change
01:1-02:1
Number of institutions reporting 8,005 8,080 8,238 -2.8
Total employees (full-time equivalent) 1,722,872 1,705,135 1,683,014 2.4
CONDITION DATA
Total assets $6,504,593 $6,569,348 $6,316,420 3.0
Loans secured by real estate 1,810,583 1,802,270 1,702,445 6.4
Commercial & industrial loans 966,844 983,539 1,045,525 -7.5
Loans to individuals 649,241 631,647 597,496 8.7
Farm loans 45,084 47,912 46,213 -2.4
Other loans & leases 425,406 433,400 442,453 -3.9
Less: Unearned income 3,844 3,110 2,790 37.8
Total loans & leases 3,893,313 3,895,658 3,831,342 1.6
Less: Reserve for losses 74,861 72,146 64,738 15.6
Net loans and leases 3,818,452 3,823,513 3,766,604 1.4
Securities 1,185,913 1,179,695 1,049,095 13.0
Other real estate owned 3,809 3,569 3,065 24.3
Goodwill and other intangibles 131,801 122,418 100,855 30.7
All other assets 1,364,613 1,440,154 1,396,800 -2.3
Total liabilities and capital 6,504,593 6,569,348 6,316,420 3.0
Noninterest-bearing deposits 805,659 873,152 722,748 11.5
Interest-bearing deposits 3,546,548 3,518,460 3,463,531 2.4
Other borrowed funds 1,135,547 1,130,498 1,144,609 -0.8
Subordinated debt 92,983 95,317 90,525 2.7
All other liabilities 319,076 354,543 347,489 -8.2
Equity capital 604,782 597,378 547,517 10.5
Loans and leases 30-89 days past due 49,063 53,287 47,281 3.8
Noncurrent loans and leases 57,198 55,018 46,115 24.0
Restructured loans and leases 1,881 1,551 1,148 63.9
Direct and indirect investments in real estate 259 264 277 -6.6
1-4 Family residential mortgages 960,541 966,285 926,956 3.6
Mortgage-backed securities 615,947 613,609 494,613 24.5
Earning assets 5,619,844 5,598,715 5,447,182 3.2
Long-term assets (5+ years) 1,324,888 1,342,549 1,160,815 14.1
Volatile liabilities 2,043,638 2,061,737 2,152,994 -5.1
Foreign office deposits 603,522 629,506 671,096 -10.1
FHLB Advances 204,013 198,761 179,619 13.6
Unused loan commitments 5,066,678 4,828,884 4,549,139 11.4
Derivatives 46,503,980 45,168,844 44,352,565 4.9
INCOME DATA Full Year
2001		 Full Year
2000		 %Change Preliminary
1st Quarter
2002		 1st Quarter
2001		 %Change
01:1-02:1
Total interest income $402,913 $428,448 -6.0 $88,983 $109,695 -18.9
Total interest expense 187,715 224,488 -16.4 30,346 57,844 -47.5
Net interest income 215,198 203,960 5.5 58,637 51,851 13.1
Provision for loan and lease losses 43,151 30,011 43.8 11,652 7,954 46.5
Total noninterest income 157,167 153,453 2.4 41,467 40,155 3.3
Total noninterest expense 222,337 216,104 2.9 56,145 55,058 2.0
Securities gains (losses) 4,475 -2,283 N/M 690 1,171 -41.1
Applicable income taxes 36,872 37,981 -2.9 11,144 9,997 11.5
Extraordinary gains, net -248 -32 N/M -120 -333 N/M
Net income 74,232 71,002 4.6 21,732 19,836 9.6
Net charge-offs 36,492 24,786 47.2 11,113 6,969 59.5
Cash dividends 54,029 53,854 0.3 19,581 13,455 45.5
Net operating income 71,405 72,591 -1.6 21,377 19,335 10.6

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

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