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
2010 		1st Quarter
2010 		2nd Quarter
2009 		% Change
09Q2-10Q2
Number of institutions reporting 7,830 7,934 8,195 -4.5
Total employees (full-time equivalent) 2,033,662 2,027,247 2,093,066 -2.8
CONDITION DATA
Total assets $13,220,551 $13,356,798 $13,300,007 -0.6
Loans secured by real estate 4,336,825 4,401,538 4,651,638 -6.8
1-4 Family residential mortgages 1,874,335 1,887,551 2,012,537 -6.9
Nonfarm nonresidential 1,081,004 1,090,644 1,086,496 -0.5
Construction and development 383,313 418,017 535,733 -28.5
Home equity lines 654,450 659,871 672,906 -2.7
Commercial & industrial loans 1,174,939 1,187,070 1,364,713 -13.9
Loans to individuals 1,359,543 1,380,445 1,037,135 31.1
Credit cards 699,404 716,998 398,233 75.6
Farm loans 58,270 55,600 58,352 -0.1
Other loans & leases 468,562 480,905 516,323 -9.3
Less: Unearned income 2,794 2,711 2,903 -3.7
Total loans & leases 7,395,345 7,502,849 7,625,258 -3.0
Less: Reserve for losses 251,290 263,065 211,157 19.0
Net loans and leases 7,144,055 7,239,783 7,414,102 -3.6
Securities 2,527,735 2,531,647 2,336,957 8.2
Other real estate owned 49,285 46,265 33,928 45.3
Goodwill and other intangibles 409,757 424,879 431,395 -5.0
All other assets 3,089,719 3,114,224 3,083,625 0.2
Total liabilities and capital 13,220,551 13,356,798 13,300,007 -0.6
Deposits 9,140,980 9,198,770 9,021,146 1.3
Domestic office deposits 7,667,695 7,692,326 7,555,214 1.5
Foreign office deposits 1,473,285 1,506,444 1,465,932 0.5
Other borrowed funds 1,911,837 2,051,791 2,159,362 -11.5
Subordinated debt 150,986 150,540 168,125 -10.2
All other liabilities 510,148 476,035 529,986 -3.7
Total equity capital (includes minority interests) 1,506,599 1,479,662 1,421,388 6.0
Bank equity capital 1,487,435 1,459,993 1,403,711 6.0
Loans and leases 30-89 days past due 125,191 141,492 141,247 -11.4
Noncurrent loans and leases 385,805 405,395 331,899 16.2
Restructured loans and leases 71,614 64,412 46,577 53.8
Mortgage-backed securities 1,381,160 1,386,427 1,365,416 1.2
Earning assets 11,389,950 11,554,019 11,436,792 -0.4
FHLB Advances 445,400 480,364 634,642 -29.8
Unused loan commitments 6,007,195 6,104,579 6,305,132 -4.7
Trust assets 17,606,001 18,096,538 16,975,455 3.7
Assets securitized and sold 1,411,808 1,413,926 1,865,371 -24.3
Notional amount of derivatives*** 225,433,522 218,068,203 208,656,901 8.0
INCOME DATA First-Half
2010 		First-Half
2009 		% Change 2nd Quarter
2010 		2nd Quarter
2009 		% Change
09Q2-10Q2
Total interest income $273,091 $279,906 -2.4 $135,182 $137,832 -1.9
Total interest expense 56,617 81,498 -30.5 27,648 38,786 -28.7
Net interest income 216,474 198,409 9.1 107,534 99,047 8.6
Provision for loan and lease losses 91,145 128,197 -28.9 40,303 67,370 -40.2
Total noninterest income 122,275 136,630 -10.5 60,865 68,419 -11.0
Total noninterest expense 192,790 196,686 -2.0 97,930 99,449 -1.5
Securities gains (losses) 3,737 839 345.7 2,148 -927 N/M
Applicable income taxes 17,928 4,900 265.9 10,307 315 N/M
Extraordinary gains, net -174 -3,655 N/M -232 -3,624 N/M
Total net income (includes minority interests) 40,449 2,440 N/M 21,775 -4,221 N/M
Bank net income 40,080 2,022 N/M 21,597 -4,376 N/M
Net charge-offs 100,747 86,723 16.2 48,959 49,173 -0.4
Cash dividends 17,317 13,374 29.5 12,934 6,139 110.7
Retained earnings 22,763 -11,352 N/M 8,662 -10,515 N/M
Net operating income 37,904 5,682 567.1 20,487 -161 N/M
*** Call Report filers only N/M - Not Meaningful

Last Updated 8/31/2010 Questions, Suggestions & Requests