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Quarterly Banking Profile
TABLE II-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
(dollar figures in millions) 4th Quarter
2008 		3rd Quarter
2008 		4th Quarter
2007 		% Change
07Q4-08Q4
Number of institutions reporting 8,305 8,384 8,534 -2.7
Total employees (full-time equivalent) 2,153,247 2,170,931 2,215,029 -2.8
CONDITION DATA
Total assets $13,847,284 $13,573,065 $13,034,074 6.2
Loans secured by real estate 4,704,149 4,749,500 4,781,832 -1.6
1-4 Family residential mortgages 2,044,840 2,102,109 2,241,455 -8.8
Nonfarm nonresidential 1,068,203 1,043,174 968,765 10.3
Construction and development 590,177 615,891 629,452 -6.2
Home equity lines 667,505 652,127 611,389 9.2
Commercial & industrial loans 1,496,321 1,503,734 1,439,122 4.0
Loans to individuals 1,088,780 1,082,719 1,058,462 2.9
Credit cards 444,685 411,627 421,818 5.4
Farm loans 59,908 59,504 56,786 5.5
Other loans & leases 531,278 597,344 572,625 -7.2
Less: Unearned income 5,204 2,790 2,309 125.4
Total loans & leases 7,875,231 7,990,011 7,906,518 -0.4
Less: Reserve for losses 173,163 156,530 102,552 68.9
Net loans and leases 7,702,069 7,833,481 7,803,966 -1.3
Securities 2,035,605 2,025,444 1,954,146 4.2
Other real estate owned 26,618 22,960 12,127 119.5
Goodwill and other intangibles 423,198 484,149 461,744 -8.3
All other assets 3,659,794 3,207,031 2,802,091 30.6
Total liabilities and capital 13,847,284 13,573,065 13,034,074 6.2
Deposits 9,035,676 8,727,757 8,415,375 7.4
Domestic office deposits 7,496,369 7,222,236 6,912,800 8.4
Foreign office deposits 1,539,307 1,505,522 1,502,575 2.4
Other borrowed funds 2,575,254 2,732,527 2,516,753 2.3
Subordinated debt 185,467 176,833 185,393 0.0
All other liabilities 754,565 629,552 569,065 32.6
Equity capital 1,296,322 1,306,396 1,347,488 -3.8
Loans and leases 30-89 days past due 158,186 121,380 107,999 46.5
Noncurrent loans and leases 230,809 186,560 110,708 108.5
Restructured loans and leases 23,968 18,942 6,926 246.1
Direct and indirect investments in real estate 948 910 1,097 -13.6
Mortgage-backed securities 1,299,829 1,261,316 1,236,004 5.2
Earning assets 11,768,835 11,492,995 11,304,844 4.1
FHLB advances 787,512 911,469 808,944 -2.6
Unused loan commitments 7,147,590 7,860,482 8,315,951 -14.0
Trust assets 17,328,176 19,948,345 21,862,322 -20.7
Assets securitized and sold** 1,910,884 1,906,803 1,698,002 12.5
Notional amount of derivatives** 201,096,104 177,103,500 166,118,444 21.1
INCOME DATA Full Year
2008 		Full Year
2007 		% Change 4th Quarter
2008 		4th Quarter
2007 		% Change
07Q4-08Q4
Total interest income $603,357 $724,859 -16.8 $151,227 $189,631 -20.3
Total interest expense 245,612 372,144 -34.0 54,203 97,127 -44.2
Net interest income 357,746 352,714 1.4 97,024 92,504 4.9
Provision for loan and lease losses 174,362 69,193 152.0 69,431 32,144 116.0
Total noninterest income 207,493 233,098 -11.0 40,885 47,000 -13.0
Total noninterest expense 364,860 367,043 -0.6 111,309 104,473 6.5
Securities gains (losses) -14,994 -1,371 N/M -8,137 -3,665 N/M
Applicable income taxes 6,219 46,480 -86.6 -14,149 -1,112 N/M
Extraordinary gains, net 5,367 -1,735 N/M 4,710 241 N/M
Net income 10,170 99,991 -89.8 -32,109 575 N/M
Net charge-offs 99,461 44,118 125.4 37,983 16,319 132.8
Cash dividends 51,017 110,348 -53.8 8,463 20,746 -59.2
Retained earnings -40,846 -10,356 N/M -40,572 -20,172 N/M
Net operating income 14,641 102,409 -85.7 -31,782 2,553 N/M
** Call Report filers only N/M - Not Meaningful

Last Updated 03/20/2009 Questions, Suggestions & Requests

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