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FDIC - Quarterly Banking Profile
TABLE II-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions*
(dollar figures in millions) 1st Quarter
2007		 4th Quarter
2006		 1st Quarter
2006		 % Change
06:1-07:1
Number of institutions reporting 8,650 8,681 8,790 -1.6
Total employees (full-time equivalent) 2,223,402 2,206,645 2,172,999 2.3
CONDITION DATA
Total assets $11,981,168 $11,860,318 $11,209,794 6.9
Loans secured by real estate 4,535,981 4,507,842 4,255,516 6.6
1-4 Family residential mortgages 2,169,287 2,175,795 2,101,766 3.2
Nonfarm nonresidential 921,233 904,408 842,433 9.4
Construction and development 582,067 565,289 486,842 19.6
Home equity lines 556,741 559,301 530,738 4.9
Commercial & industrial loans 1,250,160 1,215,100 1,125,652 11.1
Loans to individuals 945,365 955,256 923,569 2.4
Credit cards 354,169 384,980 358,627 -1.2
Farm loans 52,813 54,258 49,243 7.3
Other loans & leases 494,960 503,031 513,196 -3.6
Less: Unearned income 2,286 2,397 3,344 -31.7
Total loans & leases 7,276,995 7,233,090 6,863,831 6.0
Less: Reserve for losses 78,636 77,643 77,661 1.3
Net loans and leases 7,198,359 7,155,447 6,786,169 6.1
Securities 1,969,447 1,980,445 1,956,166 0.7
Other real estate owned 6,961 6,060 5,117 36.0
Goodwill and other intangibles 423,495 413,443 380,790 11.2
All other assets 2,382,905 2,304,923 2,081,551 14.5
Total liabilities and capital 11,981,168 11,860,318 11,209,794 6.9
Deposits 7,895,117 7,825,158 7,318,770 7.9
Domestic office deposits 6,694,491 6,631,123 6,330,959 5.7
Foreign office deposits 1,200,626 1,194,036 987,811 21.5
Other borrowed funds 2,174,410 2,121,122 2,118,169 2.7
Subordinated debt 165,323 160,547 135,458 22.0
All other liabilities 478,431 505,347 474,159 0.9
Equity capital 1,267,887 1,248,144 1,163,238 9.0
Loans and leases 30-89 days past due 70,479 71,751 56,325 25.1
Noncurrent loans and leases 60,541 56,575 48,604 24.6
Restructured loans and leases 3,241 2,713 3,301 -1.8
Direct and indirect investments in real estate 1,036 1,091 1,102 -5.9
Mortgage-backed securities 1,195,617 1,195,657 1,188,249 0.6
Earning assets 10,513,998 10,336,160 9,795,063 7.3
FHLB Advances 606,501 620,909 598,302 1.4
Unused loan commitments 7,821,527 7,572,885 7,297,380 7.2
Trust assets 19,937,320 19,285,909 17,431,010 14.4
Assets securitized and sold*** 1,661,338 1,310,787 964,366 72.3
Notional amount of derivatives*** 146,084,457 132,181,371 111,086,862 31.5
INCOME DATA Full Year
2006		 Full Year
2005		 % Change 1st Quarter
2007		 1st Quarter
2006		 % Change
06:1-07:1
Total interest income $643,500 $522,044 23.3 $176,349 $151,732 16.2
Total interest expense 313,360 205,035 52.8 89,766 68,480 31.1
Net interest income 330,140 317,009 4.1 86,583 83,252 4.0
Provision for loan and lease losses 29,465 29,748 -1.0 9,193 5,946 54.6
Total noninterest income 240,481 223,389 7.7 62,233 61,051 1.9
Total noninterest expense 332,305 317,304 4.7 87,661 84,619 3.6
Securities gains (losses) 2,010 4,929 -59.2 1,523 671 127.0
Applicable income taxes 68,133 64,616 5.4 17,141 17,710 -3.2
Extraordinary gains, net 2,663 252 NM -353 203 NM
Net income 145,391 133,910 8.6 35,990 36,903 -2.5
Net charge-offs 26,825 31,591 -15.1 8,130 5,477 48.4
Cash dividends 93,436 73,172 27.7 26,163 18,869 38.7
Retained earnings 51,955 60,738 -14.5 9,827 18,033 -45.5
Net operating income 141,504 130,352 8.6 35,290 36,268 -2.7
*** Call Report filers only NM - Not Meaningful

Last Updated 05/31/2007 Questions, Suggestions & Requests

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