C&I delinquencies will hit hard for banks already dealing with bad loans secured by real estate.

Third Quarter 2008 Highlights: -- Total revenue up 1 percent versus second quarter and up 13 percent year-over-year -- Net interest income up 2 percent versus second quarter and up 22 percent year-over-year -- Net interest margin of 3.67 percent, up 16 basis points year-over-year -- Average total loans up 20 percent year-over-year -- Average core deposits comprised 76.4 percent of average total deposits -- Average all-in cost of funds was 1.60 percent -- Total provision for credit losses of $125 million -- Nonperforming assets of $304 million, or 0.49 percent of total assets, at quarter-end