Annual Report 2012 - ffiec
Annual Report 2012 - ffiec
Annual Report 2012 - ffiec
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INCOME AND EXPENSES of U.S. Commercial Banks, Savings Institutions, and Credit Unions for the<br />
Twelve Months Ending December 31, <strong>2012</strong> 1<br />
Billions of dollars<br />
OCC FDIC<br />
Regu- Regu-<br />
State lated lated<br />
State Non- Federal State Federal State<br />
Item Total National Member 5 Member Charter Charter 7 Charter Charter<br />
Operating income:<br />
Interest and fees on loans<br />
Other interest and dividend income<br />
All other operating income<br />
Operating expenses:<br />
Salaries and benefits<br />
Interest on deposits and shares<br />
Interest on other borrowed money<br />
Provision for loan and lease losses<br />
All other operating expenses<br />
768<br />
404<br />
103<br />
261<br />
570<br />
194<br />
47<br />
25<br />
61<br />
244<br />
Net operating income 198 121 24 32 13 3 5 4<br />
Securities gains and losses 8 6 1 1 – – – –<br />
Extraordinary items – – – – – – – –<br />
Income taxes 58 37 7 8 5 1 – –<br />
Net income 147 90 18 24 8 2 5 4<br />
Memorandum: Number of institutions reporting 13,961 1,294 843 4,018 547 440<br />
11. Includes vault cash, cash items in process<br />
of collection, and balances with<br />
U.S. and foreign banks and other<br />
depository institutions (including<br />
demand and time deposits and certificates<br />
of deposit for all categories of<br />
institutions).<br />
12. Includes government and corporate<br />
securities, including mortgage-backed<br />
securities and obligations of states and<br />
political subdivisions and of U.S. government<br />
agencies and corporations.<br />
13. U.S. Treasury securities and securities<br />
of, and loans to, U.S. government agencies<br />
and corporations.<br />
14. Securities issued by states and political<br />
subdivisions and public authorities,<br />
except for U.S. branches and agencies<br />
of foreign banks that do not report<br />
these securities separately. Loans to<br />
states and political subdivisions and<br />
U.S. Commercial Banks 2<br />
469<br />
233<br />
69<br />
167<br />
348<br />
120<br />
22<br />
15<br />
39<br />
152<br />
90<br />
40<br />
13<br />
37<br />
66<br />
27<br />
5<br />
2<br />
4<br />
28<br />
public authorities are included in “All<br />
other loans and lease receivables.”<br />
15. Customers' liabilities on acceptances,<br />
real property owned, various accrual<br />
accounts, and miscellaneous assets. For<br />
U.S. branches and agencies of foreign<br />
banks, also includes net due from head<br />
office and other related institutions.<br />
16. Includes demand, savings, and time<br />
deposits, (including certificates of<br />
deposit at commercial banks, U.S.<br />
branches and agencies of foreign<br />
banks, and savings banks), credit balances<br />
at U.S. agencies of foreign banks<br />
and share balances at credit unions<br />
(including certificates of deposit, NOW<br />
accounts, and share draft accounts).<br />
For U.S. commercial banks, includes<br />
deposits in foreign offices, branches in<br />
U.S. territories and possessions, and<br />
Edge Act and Agreement corporation<br />
subsidiaries.<br />
118<br />
79<br />
11<br />
28<br />
86<br />
28<br />
10<br />
4<br />
10<br />
35<br />
Savings Credit<br />
Institutions 4 Unions 3<br />
48<br />
25<br />
5<br />
18<br />
35<br />
7<br />
4<br />
2<br />
5<br />
17<br />
15<br />
10<br />
2<br />
3<br />
12<br />
4<br />
2<br />
1<br />
1<br />
4<br />
28<br />
17<br />
3<br />
8<br />
23<br />
8<br />
4<br />
1<br />
2<br />
8<br />
23<br />
14<br />
2<br />
7<br />
19<br />
7<br />
3<br />
–<br />
2<br />
7<br />
4,272 2,547<br />
17. Includes interest-bearing demand notes<br />
issued to the U.S. Treasury, borrowing<br />
from Federal Reserve Banks and Federal<br />
Home Loan Banks, subordinated<br />
debt, limited life preferred stock, and<br />
other nondeposit borrowing.<br />
18. Includes depository institutions' own<br />
mortgage borrowing, liability for capitalized<br />
leases, liability on acceptances<br />
executed, various accrual accounts,<br />
and miscellaneous liabilities. For U.S.<br />
branches and agencies of foreign banks,<br />
also includes net owed to head office<br />
and other related institutions.<br />
19. Includes capital stock, surplus, capital<br />
reserves, and undivided profits.<br />
NOTE: Data are rounded to nearest billion.<br />
Consequently some information may<br />
not reconcile precisely. Additionally,<br />
balances less than $500 million will<br />
show as zero.<br />
31