BancorpSouth Financials


BancorpSouth has total assets of $13,294 million and year-to-date net operating income of $111 million. BancorpSouth financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	7,554	56.82%	4,750,985	34.90%
1-4 Family Residential Mortgages	2,667	20.06%	2,754,199	20.23%
First Lien	1,897	14.27%	1,864,576	13.70%
Second Lien	269	2.03%	237,504	1.74%
Home Equity Lines	500	3.76%	652,119	4.79%
Multifamily Residential	219	1.65%	205,193	1.51%
Nonfarm Residential	2,760	20.76%	1,043,393	7.66%
Construction and Development	1,672	12.58%	617,055	4.53%
Farmland Loans	237	1.78%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	1,143	8.60%	1,510,091	11.09%
Loans to Individuals	546	4.10%	1,082,731	7.95%
Credit Cards	90	0.68%	411,627	3.02%
Farm Loans	108	0.81%	59,656	0.44%
Other Loans and Leases	439	3.30%	595,646	4.38%
Less: Unearned Income	0	0.00%	2,741	0.02%
Total Loans and Leases	9,789	73.63%	8,000,084	58.77%
Less: Reserve for Losses	129	0.97%	156,065	1.15%
Net Loans and Leases	9,660	72.66%	7,844,019	57.62%
Securities	2,207	16.60%	2,027,739	14.90%
Other Real Estate Owned	32	0.24%	22,966	0.17%
Goodwill and Intangibles	340	2.56%	484,178	3.56%
All Other Assets	1,055	7.94%	3,207,062	23.56%
Total Assets	$13,294	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	9,634	72.47%	8,749,418	64.27%
Domestic Deposits	9,634	72.47%	7,230,058	53.11%
Transaction Accounts	803	6.04%	809,200	5.94%
Nontransaction Accounts	8,831	66.43%	6,420,965	47.17%
Money Market	3,415	25.69%	2,798,868	20.56%
Other Savings Accounts	1,906	14.34%	841,348	6.18%
Time Deposits	3,510	26.41%	2,773,205	20.37%
Foreign Deposits	0	0.00%	1,519,360	11.16%
Federal Funds Purchased	1,079	8.12%	936,578	6.88%
Trading Liabilities	0	0.00%	356,967	2.62%
Subordinated Debt	0	0.00%	176,833	1.30%
Other Borrowed Funds	922	6.93%	1,684,829	12.38%
All Other Liabilities	309	2.33%	401,428	2.95%
Equity Capital	1,350	10.15%	1,307,097	9.60%
Total Liabilities and Capital	$13,294	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	543	5.44%	487,019	4.77%
Total Interest Expense	200	2.01%	207,949	2.04%
Net Interest Income	343	3.44%	279,070	2.73%
Provision for Loan and Lease Losses	38	0.38%	124,517	1.22%
Total Noninterest Income	200	2.01%	175,521	1.72%
Total Noninterest Expense	339	3.40%	274,323	2.69%
Salaries and Benefits	208	2.08%	122,518	1.20%
Premises and Equipment Expense	48	0.49%	33,971	0.33%
Additional Noninterest Expense	83	0.83%	117,834	1.15%
Securities Gains (Losses)	0	0.00%	-8,037	-0.08%
Applicable Income Taxes	54	0.54%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	112	1.12%	32,569	0.32%
Cash Dividends, Net	80	0.80%	42,592	0.42%
Retained Earnings	32	0.32%	-10,023	-0.10%
Net Operating Income	$111	1.12%	$37,457	0.37%

* Annualized

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