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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
Prior Periods Adjusted for Mergers
(dollar figures in millions)
4th Quarter
2015
3rd Quarter
2015
4th Quarter
2014
% Change
14Q4-15Q4
Number of institutions reporting 5,735 5,735 5,734 0.0
Total employees (full-time equivalent) 437,873 435,110 425,915 2.8
CONDITION DATA
Total assets $2,120,123 $2,080,371 $2,003,739 5.8
Loans secured by real estate 1,094,593 1,068,062 1,005,210 8.9
1-4 Family residential mortgages 376,496 371,553 356,010 5.8
Nonfarm nonresidential 418,590 408,171 384,216 8.9
Construction and development 93,634 89,349 81,192 15.3
Home equity lines 50,632 49,683 47,635 6.3
Commercial & industrial loans 196,423 190,952 181,725 8.1
Loans to individuals 59,991 59,457 58,152 3.2
Credit cards 2,172 2,187 2,267 -4.2
Farm loans 51,316 50,526 48,691 5.4
Other loans & leases 36,460 35,314 31,214 16.8
Less: Unearned income 637 583 569 11.9
Total loans & leases 1,438,146 1,403,728 1,324,422 8.6
Less: Reserve for losses 18,513 18,547 18,472 0.2
Net loans and leases 1,419,633 1,385,181 1,305,949 8.7
Securities 438,355 435,702 438,882 -0.1
Other real estate owned 6,581 7,153 8,484 -22.4
Goodwill and other intangibles 13,826 13,636 12,051 14.7
All other assets 241,728 238,700 238,372 1.4
Total liabilities and capital 2,120,123 2,080,371 2,003,739 5.8
Deposits 1,736,305 1,704,578 1,644,287 5.6
Domestic office deposits 1,735,905 1,704,193 1,643,882 5.6
Foreign office deposits 400 385 405 -1.2
Brokered deposits 71,376 69,345 60,459 18.1
Estimated insured deposits 1,313,767 1,296,974 1,268,964 3.5
Other borrowed funds 131,753 124,164 121,213 8.7
Subordinated debt 479 455 442 8.3
All other liabilities 15,704 16,657 15,102 4.0
Total equity capital (includes minority interests) 235,882 234,516 222,695 5.9
Bank equity capital 235,772 234,393 222,572 5.9
Loans and leases 30-89 days past due 8,980 8,156 9,428 -4.8
Noncurrent loans and leases 15,780 16,409 18,209 -13.3
Restructured loans and leases 9,422 9,644 10,721 -12.1
Mortgage-backed securities 185,267 183,165 190,018 -2.5
Earning assets 1,968,433 1,931,586 1,855,450 6.1
FHLB Advances 100,874 93,105 89,279 13.0
Unused loan commitments 271,012 284,192 257,787 5.1
Trust assets 294,226 242,669 283,152 3.9
Assets securitized and sold 16,746 15,972 13,950 20.0
Notional amount of derivatives 51,852 52,459 40,218 28.9
INCOME DATA Full Year
2015
Full Year
2014
% Change 4th Quarter
2015
4th Quarter
2014
% Change
14Q4-15Q4
Total interest income $76,442 $72,532 5.4 $19,754 $18,638 6.0
Total interest expense 8,657 8,696 -0.4 2,217 2,174 2.0
Net interest income 67,785 63,836 6.2 17,537 16,464 6.5
Provision for loan and lease losses 2,424 2,381 1.8 760 689 10.3
Total noninterest income 19,544 17,245 13.3 5,024 4,535 10.8
Total noninterest expense 59,330 55,942 6.1 15,451 14,622 5.7
Securities gains (losses) 521 541 -3.8 77 158 -51.1
Applicable income taxes 5,701 4,698 21.4 1,279 887 44.1
Extraordinary gains, net 8 1 453.6 6 0 N/M
Total net income (includes minority interests) 20,403 18,603 9.7 5,154 4,958 4.0
Bank net income 20,376 18,579 9.7 5,149 4,951 4.0
Net charge-offs 1,950 2,606 -25.2 674 865 -22.0
Cash dividends 10,129 9,069 11.7 3,308 2,947 12.3
Retained earnings 10,247 9,510 7.8 1,841 2,004 -8.1
Net operating income 19,983 18,174 10.0 5,082 4,831 5.2

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