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FDIC - Quarterly Banking Profile
TABLE II-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
(dollar figures in millions) 2nd Quarter
2007		 1st Quarter
2007		 2nd Quarter
2006		 % Change
06:2-07:2
Number of institutions reporting 8,615 8,649 8,777 -1.8
Total employees (full-time equivalent) 2,220,904 2,223,357 2,198,688 1.0
CONDITION DATA
Total assets $12,261,029 $11,981,172 $11,526,174 6.4
Loans secured by real estate 4,618,464 4,536,194 4,392,350 5.1
1-4 Family residential mortgages 2,188,092 2,169,281 2,155,744 1.5
Nonfarm nonresidential 942,834 921,435 863,912 9.1
Construction and development 600,138 582,260 517,514 16.0
Home equity lines 576,682 556,765 556,196 3.7
Commercial & industrial loans 1,300,571 1,249,282 1,157,134 12.4
Loans to individuals 980,817 945,368 933,021 5.1
Credit cards 372,853 354,159 374,348 -0.4
Farm loans 55,615 52,888 52,706 5.5
Other loans & leases 512,946 495,542 527,255 -2.7
Less: Unearned income 3,068 2,288 2,460 24.7
Total loans & leases 7,465,345 7,276,986 7,060,007 5.7
Less: Reserve for losses 81,198 78,643 77,918 4.2
Net loans and leases 7,384,147 7,198,343 6,982,089 5.8
Securities 1,976,771 1,970,236 1,970,901 0.3
Other real estate owned 7,990 6,958 5,218 53.1
Goodwill and other intangibles 435,932 423,517 390,400 11.7
All other assets 2,456,189 2,382,118 2,177,565 12.8
Total liabilities and capital 12,261,029 11,981,172 11,526,174 6.4
Deposits 8,035,257 7,895,117 7,504,805 7.1
Domestic office deposits 6,691,674 6,694,841 6,436,734 4.0
Foreign office deposits 1,343,583 1,200,276 1,068,070 25.8
Other borrowed funds 2,248,685 2,174,393 2,217,951 1.4
Subordinated debt 172,377 165,328 142,876 20.6
All other liabilities 525,377 478,446 476,925 10.2
Equity capital 1,279,333 1,267,888 1,183,616 8.1
Loans and leases 30-89 days past due 74,433 70,396 55,167 34.9
Noncurrent loans and leases 66,944 60,549 49,138 36.2
Restructured loans and leases 3,277 2,872 3,365 -2.6
Direct and indirect investments in real estate 1,081 1,033 1,122 -3.7
Mortgage-backed securities 1,217,859 1,196,292 1,213,804 0.3
Earning assets 10,720,947 10,513,956 10,056,268 6.6
FHLB Advances 608,433 607,501 622,592 -2.3
Unused loan commitments 8,084,733 7,821,992 7,557,799 7.0
Trust assets 21,047,497 19,928,708 17,549,892 19.9
Assets securitized and sold*** 1,714,556 1,661,359 1,004,034 70.8
Notional amount of derivatives*** 153,825,897 146,085,265 120,205,407 28.0
INCOME DATA First-Half
2007		 First-Half
2006		 % Change 2nd Quarter
2007		 2nd Quarter
2006		 % Change
06:2-07:2
Total interest income $357,622 $314,081 13.9 $181,788 $162,982 11.5
Total interest expense 182,850 145,487 25.7 93,234 77,272 20.7
Net interest income 174,772 168,594 3.7 88,554 85,710 3.3
Provision for loan and lease losses 20,541 12,400 65.7 11,351 6,475 75.3
Total noninterest income 130,241 123,410 5.5 68,013 62,417 9.0
Total noninterest expense 178,099 169,364 5.2 90,635 85,040 6.6
Securities gains (losses) 2,186 948 130.7 597 278 114.2
Applicable income taxes 35,079 36,830 -4.8 17,970 19,157 -6.2
Extraordinary gains, net -829 468 NM -474 275 NM
Net income 72,652 74,826 -2.9 36,734 38,007 -3.4
Net charge-offs 17,294 11,517 50.2 9,164 6,060 51.2
Cash dividends 66,973 40,505 65.3 40,837 21,662 88.5
Retained earnings 5,679 34,320 -83.5 -4,104 16,346 NM
Net operating income 72,001 73,745 -2.4 36,823 37,551 -1.9
*** Call Report filers only NM - Not Meaningful

Last Updated 08/22/2007 Questions, Suggestions & Requests

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