FDIC Quarterly
Quarterly Banking Profile:
First Quarter 2008
Highlights:
n Industry Earnings Decline 46 Percent from
Year-Earlier Level
n Loss Provisions Absorb a Higher Share of
Revenue
n Troubled Loans Accumulate in Real Estate
Portfolios
n Lending Growth Slows
n Fourth Quarter 2007 Earnings Are Revised
Below $1 Billion
2008, Volume 2, Number 2
Quarterly Banking Profile:
First Quarter 2008
Highlights:
n Industry Earnings Decline 46 Percent from
Year-Earlier Level
n Loss Provisions Absorb a Higher Share of
Revenue
n Troubled Loans Accumulate in Real Estate
Portfolios
n Lending Growth Slows
n Fourth Quarter 2007 Earnings Are Revised
Below $1 Billion
2008, Volume 2, Number 2
The FDIC Quarterly is published by the Division of Insurance and Research of the Federal Deposit
Insurance Corporation and contains a comprehensive summary of the most current financial results
for the banking industry. Feature articles appearing in the FDIC Quarterly range from timely analysis
of economic and banking trends at the national and regional level that may affect the risk exposure of
FDIC-insured institutions to research on issues affecting the banking system and the development of
regulatory policy.
Single copy subscriptions of the FDIC Quarterly can be obtained through the FDIC Public Informa-
tion Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226. E-mail requests should be
sent to publicinfo@fdic.gov. Change of address information also should be submitted to the Public
Information Center.
The FDIC Quarterly is available on-line by visiting the FDIC Web site at www.fdic.gov. To receive
e-mail notification of the electronic release of the FDIC Quarterly and the individual feature articles,
subscribe at www.fdic.gov/about/subscriptions/index.html.
Chairman Sheila C. Bair
Director, Division of Insurance Arthur J. Murton
and Research
Executive Editor Maureen E. Sweeney
Managing Editors Richard A. Brown
Diane L. Ellis
Paul H. Kupiec
Christopher J. Newbury
Editor Kathy Zeidler
Publication Managers Geri Bonebrake
Lynne Montgomery
Media Inquiries (202) 898-6993
Insurance Corporation and contains a comprehensive summary of the most current financial results
for the banking industry. Feature articles appearing in the FDIC Quarterly range from timely analysis
of economic and banking trends at the national and regional level that may affect the risk exposure of
FDIC-insured institutions to research on issues affecting the banking system and the development of
regulatory policy.
Single copy subscriptions of the FDIC Quarterly can be obtained through the FDIC Public Informa-
tion Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226. E-mail requests should be
sent to publicinfo@fdic.gov. Change of address information also should be submitted to the Public
Information Center.
The FDIC Quarterly is available on-line by visiting the FDIC Web site at www.fdic.gov. To receive
e-mail notification of the electronic release of the FDIC Quarterly and the individual feature articles,
subscribe at www.fdic.gov/about/subscriptions/index.html.
Chairman Sheila C. Bair
Director, Division of Insurance Arthur J. Murton
and Research
Executive Editor Maureen E. Sweeney
Managing Editors Richard A. Brown
Diane L. Ellis
Paul H. Kupiec
Christopher J. Newbury
Editor Kathy Zeidler
Publication Managers Geri Bonebrake
Lynne Montgomery
Media Inquiries (202) 898-6993