Each depositor insured to at least $250,000 per insured bank

Quarterly Banking Profile
TABLE II-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
(dollar figures in millions) 2nd Quarter
2008		 1st Quarter
2008		 2nd Quarter
2007		 % Change
07:2-08:2
Number of institutions reporting 8,451 8,494 8,614 -1.9
Total employees (full-time equivalent) 2,204,185 2,212,753 2,220,907 -0.8
CONDITION DATA
Total assets $13,300,800 $13,369,409 $12,261,393 8.5
Loans secured by real estate 4,794,051 4,804,695 4,619,562 3.8
1-4 Family residential mortgages 2,154,163 2,215,541 2,207,433 -2.4
Nonfarm nonresidential 1,019,108 990,083 923,986 10.3
Construction and development 627,170 632,602 600,471 4.4
Home equity lines 646,890 624,920 576,717 12.2
Commercial & industrial loans 1,492,526 1,483,356 1,299,539 14.9
Loans to individuals 1,069,507 1,048,217 980,847 9.0
Credit cards 396,047 386,853 373,951 5.9
Farm loans 58,348 53,837 55,608 4.9
Other loans & leases 584,180 580,269 514,109 13.6
Less: Unearned income 2,513 2,455 3,068 -18.1
Total loans & leases 7,996,100 7,967,919 7,466,597 7.1
Less: Reserve for losses 144,259 121,116 81,225 77.6
Net loans and leases 7,851,841 7,846,802 7,385,373 6.3
Securities 2,017,381 1,953,038 1,977,442 2.0
Other real estate owned 18,910 15,643 7,995 136.5
Goodwill and other intangibles 481,434 469,176 435,892 10.4
All other assets 2,931,234 3,084,750 2,454,691 19.4
Total liabilities and capital 13,300,800 13,369,409 12,261,393 8.5
Deposits 8,572,675 8,565,762 8,035,595 6.7
Domestic office deposits 7,029,143 7,068,980 6,692,011 5.0
Foreign office deposits 1,543,532 1,496,782 1,343,583 14.9
Other borrowed funds 2,598,224 2,587,208 2,248,610 15.5
Subordinated debt 185,078 185,580 172,377 7.4
All other liabilities 593,314 669,917 525,712 12.9
Equity capital 1,351,510 1,360,943 1,279,099 5.7
Loans and leases 30-89 days past due 111,883 110,970 74,042 51.1
Noncurrent loans and leases 162,913 136,208 67,686 140.7
Restructured loans and leases 14,337 10,164 3,229 344.0
Direct and indirect investments in real estate 962 956 1,080 -11.0
Mortgage-backed securities 1,322,058 1,281,359 1,237,426 6.8
Earning assets 11,441,474 11,474,954 10,723,166 6.7
FHLB Advances 840,573 841,580 608,457 38.1
Unused loan commitments 8,158,474 8,304,383 8,086,534 0.9
Trust assets 21,727,938 20,924,568 21,020,489 3.4
Assets securitized and sold*** 1,750,758 1,724,121 1,638,581 6.8
Notional amount of derivatives*** 183,302,893 181,599,440 154,810,235 18.4
INCOME DATA First-Half
2008		 First-Half
2007		 % Change 2nd Quarter
2008		 2nd Quarter
2007		 % Change
07:2-08:2
Total interest income $343,177 $358,377 -4.2 $164,886 $182,527 -9.7
Total interest expense 152,034 183,746 -17.3 68,309 94,130 -27.4
Net interest income 191,143 174,631 9.5 96,577 88,397 9.3
Provision for loan and lease losses 87,352 20,546 325.2 50,151 11,363 341.3
Total noninterest income 121,307 130,467 -7.0 60,821 68,229 -10.9
Total noninterest expense 188,238 178,407 5.5 97,526 90,933 7.3
Securities gains (losses) -1,054 2,155 N/M -2,268 573 N/M
Applicable income taxes 11,088 35,013 -68.3 2,130 17,904 -88.1
Extraordinary gains, net -496 -912 N/M -364 -223 N/M
Net income 24,222 72,375 -66.5 4,959 36,776 -86.5
Net charge-offs 45,957 17,141 168.1 26,354 8,946 194.6
Cash dividends 31,688 67,014 -52.7 17,728 40,868 -56.6
Retained earnings -7,467 5,362 N/M -12,769 -4,092 N/M
Net operating income 25,118 71,832 -65.0 6,264 36,630 -82.9
*** Call Report filers only. N/M - Not Meaningful

Last Updated 08/26/2008 Questions, Suggestions & Requests