Skip Header

Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

Table II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks
(dollar figures in millions) 4th Quarter
2015
3rd Quarter
2015
4th Quarter
2014
% Change
14Q4-15Q4
Number of institutions reporting 5,735 5,812 6,037 -5.0
Total employees (full-time equivalent) 437,873 439,199 442,277 -1.0
CONDITION DATA
Total assets $2,120,123 $2,095,671 $2,064,065 2.7
Loans secured by real estate 1,094,593 1,076,084 1,039,774 5.3
1-4 Family residential mortgages 376,496 373,820 364,954 3.2
Nonfarm nonresidential 418,590 412,054 400,378 4.5
Construction and development 93,634 90,294 85,125 10.0
Home equity lines 50,632 50,093 50,063 1.1
Commercial & industrial loans 196,423 192,948 190,456 3.1
Loans to individuals 59,991 59,918 59,007 1.7
Credit cards 2,172 2,191 1,828 18.8
Farm loans 51,316 50,563 48,574 5.6
Other loans & leases 36,460 35,491 31,147 17.1
Less: Unearned income 637 589 590 8.0
Total loans & leases 1,438,146 1,414,414 1,368,368 5.1
Less: Reserve for losses 18,513 18,658 18,994 -2.5
Net loans and leases 1,419,633 1,395,755 1,349,374 5.2
Securities 438,355 438,108 448,665 -2.3
Other real estate owned 6,581 7,235 8,749 -24.8
Goodwill and other intangibles 13,826 13,736 12,597 9.8
All other assets 241,728 240,837 244,681 -1.2
Total liabilities and capital 2,120,123 2,095,671 2,064,065 2.7
Deposits 1,736,305 1,717,378 1,693,727 2.5
Domestic office deposits 1,735,905 1,716,992 1,693,497 2.5
Foreign office deposits 400 385 230 73.8
Brokered deposits 71,376 69,905 60,879 17.2
Estimated insured deposits 1,313,767 1,306,039 1,305,418 0.6
Other borrowed funds 131,753 125,040 125,290 5.2
Subordinated debt 479 455 497 -3.7
All other liabilities 15,704 16,802 15,702 0.0
Total equity capital (includes minority interests) 235,882 235,996 228,849 3.1
Bank equity capital 235,772 235,877 228,718 3.1
Loans and leases 30-89 days past due 8,980 8,206 9,501 -5.5
Noncurrent loans and leases 15,780 16,528 18,660 -15.4
Restructured loans and leases 9,422 9,689 10,789 -12.7
Mortgage-backed securities 185,267 184,584 195,099 -5.0
Earning assets 1,968,433 1,945,760 1,911,262 3.0
FHLB Advances 100,874 93,859 92,924 8.6
Unused loan commitments 271,012 286,493 250,134 8.3
Trust assets 294,226 242,405 286,100 2.8
Assets securitized and sold 16,746 15,972 15,959 4.9
Notional amount of derivatives 51,852 53,222 43,740 18.5
INCOME DATA Full Year
2015
Full Year
2014
% Change 4th Quarter
2015
4th Quarter
2014
% Change
14Q4-15Q4
Total interest income $76,442 $75,692 1.0 $19,754 $19,439 1.6
Total interest expense $8,657 9,101 -4.9 2,217 2,270 -2.3
Net interest income $67,785 66,591 1.8 17,537 17,169 2.1
Provision for loan and lease losses $2,424 2,566 -5.5 760 697 9.1
Total noninterest income $19,544 17,680 10.5 5,024 4,622 8.7
Total noninterest expense $59,330 58,523 1.4 15,451 15,301 1.0
Securities gains (losses) $521 561 -7.1 77 168 -54.3
Applicable income taxes $5,701 5,186 9.9 1,279 1,212 5.5
Extraordinary gains, net $8 2 244.1 6 1 N/M
Total net income (includes minority interests) 20,403 18,559 9.9 5,154 4,749 8.5
Bank net income 20,376 18,535 9.9 5,149 4,741 8.6
Net charge-offs 1,950 2,757 -29.3 674 881 -23.5
Cash dividends 10,129 9,251 9.5 3,308 3,040 8.8
Retained earnings 10,247 9,284 10.4 1,841 1,701 8.2
Net operating income 19,983 18,111 10.3 5,082 4,611 10.2

Skip Footer back to content