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Terry was acquitted of calling Ferdinand a "f****** black c***" during a Premier League Game on October 23 last year.
He had admitted using the words, but insisted he had only been repeating words he thought Ferdinand had accused him of saying.
The FA's decision to press ahead with their own charges infuriated Terry to the extent that on the eve of the disciplinary hearing he announced he was quitting international football with immediate effect, saying his position was "untenable".
John Terry has 14 days to lodge an appeal from receipt of the written reasons for the decision today.
John Terry's representatives, Elite Management, have released a statement on his behalf:
A statement from the Football Association said:
John Terry has been found guilty of racially abusing QPR defender Anton Ferdinand. The former England captain has been fined £220,000 and been given a four-match ban.
Three boxes full of paperwork have left Wembley Stadium, but there is still no comment on whether a decision has been reached at the hearing into allegations of racism against former England captain and Chelsea footballer John Terry.
The 31-year-old defender also left the stadium a short while ago.
The Football Association's hearing into allegations of racism against former England captain and Chelsea footballer John Terry continues into a fourth day today.
The disciplinary hearing, which started on Monday, could return a verdict today at Wembley Stadium.
In July the 31-year-old was cleared at Wesminster Magistrates' Court of racially aggravated public behaviour towards QPR defender Anton Ferdinand after an altercation during a match last October.
Latest ITV News reports
John Terry has been banned for four matches and given a £220,000 fine for racially abusing Anton Ferdinand, the FA have confirmed.
It seems Terry has predicted his own downfall and decided to dismount the horse now, rather than wait to be thrown off it.