Record low interest rates allowed banks and thrifts to reap huge profits by selling securities and other assets during the second quarter, according to new data released by the FDIC. Insured depository institutions reported $30.2 billion in net income during the second quarter, besting the previous record of $29.4 billion set in the first three months of 2003. As an industry, banks and thrifts also set a record in return on assets, 1.37 percent,