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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

Table III-B. Aggregate Condition and Income Data by Geographic Region, FDIC-Insured Community Banks
4th Quarter 2015
(dollar figures in millions) All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 5,735 668 702 1,270 1,485 1,232 378
Total employees (full-time equivalent) 437,873 87,100 55,141 92,562 71,063 95,379 36,628
CONDITION DATA
Total assets $2,120,123 $553,225 $245,919 $391,664 $331,614 $408,828 $188,874
Loans secured by real estate 1,094,593 329,089 135,272 197,525 149,996 187,779 94,931
1-4 Family residential mortgages 376,496 127,125 44,132 71,414 48,754 62,090 22,980
Nonfarm nonresidential 418,590 116,265 57,762 71,877 49,481 75,880 47,325
Construction and development 93,634 18,205 15,412 12,628 12,314 27,022 8,053
Home equity lines 50,632 17,115 7,617 11,732 4,675 4,387 5,106
Commercial & industrial loans 196,423 48,184 18,990 36,623 32,074 42,033 18,519
Loans to individuals 59,991 12,722 6,674 12,046 9,871 13,599 5,079
Credit cards 2,172 465 132 442 498 314 321
Farm loans 51,316 517 1,167 8,280 29,016 9,676 2,660
Other loans & leases 36,460 11,347 2,760 6,261 5,472 7,347 3,274
Less: Unearned income 637 164 135 63 42 123 110
Total loans & leases 1,438,146 401,694 164,728 260,672 226,388 260,311 124,352
Less: Reserve for losses 18,513 4,543 2,175 3,513 3,061 3,426 1,795
Net loans and leases 1,419,633 397,152 162,553 257,159 223,327 256,886 122,557
Securities 438,355 99,387 48,837 85,079 69,357 97,185 38,510
Other real estate owned 6,581 981 1,677 1,328 971 1,236 387
Goodwill and other intangibles 13,826 4,538 1,170 2,224 1,764 2,643 1,487
All other assets 241,728 51,167 31,681 45,874 36,195 50,878 25,933
Total liabilities and capital 2,120,123 553,225 245,919 391,664 331,614 408,828 188,874
Deposits 1,736,305 435,775 203,956 323,773 272,352 343,372 157,077
Domestic office deposits 1,735,905 435,424 203,948 323,755 272,352 343,372 157,053
Foreign office deposits 400 351 8 18 0 0 24
Brokered deposits 71,376 25,022 7,040 12,139 10,672 10,130 6,372
Estimated insured deposits 1,313,767 321,297 155,762 259,513 214,642 253,030 109,524
Other borrowed funds 131,753 50,281 12,901 21,067 20,961 18,334 8,209
Subordinated debt 479 312 20 75 15 6 51
All other liabilities 15,704 5,349 1,658 2,895 1,836 2,358 1,609
Total equity capital (includes minority interests) 235,882 61,508 27,385 43,854 36,449 44,758 21,928
Bank equity capital 235,772 61,455 27,374 43,827 36,448 44,741 21,927
Loans and leases 30-89 days past due 8,980 2,498 1,239 1,560 1,194 2,041 448
Noncurrent loans and leases 15,780 5,531 2,178 2,965 1,617 2,590 898
Restructured loans and leases 9,422 2,567 1,412 2,495 1,095 1,094 758
Mortgage-backed securities 185,267 55,149 20,827 32,872 22,189 35,738 18,491
Earning assets 1,968,433 516,895 226,421 363,078 308,255 377,705 176,079
FHLB Advances 100,874 41,457 10,342 14,792 14,913 14,359 5,012
Unused loan commitments 271,012 70,006 29,390 50,492 45,206 48,549 27,369
Trust assets 294,226 62,945 12,954 78,413 79,557 47,965 12,391
Assets securitized and sold 16,746 4,197 526 6,008 810 622 4,582
Notional amount of derivatives 51,852 18,920 6,006 8,737 6,989 7,164 4,035
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $19,754 $4,950 $2,364 $3,557 $3,130 $3,984 $1,769
Total interest expense 2,217 714 266 391 355 362 130
Net interest income 17,537 4,236 2,098 3,167 2,776 3,622 1,639
Provision for loan and lease losses 760 280 66 65 109 205 35
Total noninterest income 5,024 942 546 1,278 730 931 597
Total noninterest expense 15,451 3,629 1,963 3,013 2,350 3,091 1,405
Securities gains (losses) 77 27 9 12 10 13 6
Applicable income taxes 1,279 335 151 259 168 138 227
Extraordinary gains, net 6 2 2 2 0 0 0
Total net income (includes minority interests) 5,154 963 476 1,121 888 1,132 575
Bank net income 5,149 961 475 1,120 888 1,131 575
Net charge-offs 674 164 100 132 102 155 22
Cash dividends 3,308 418 263 805 609 826 388
Retained earnings 1,841 543 212 315 279 305 187
Net operating income 5,082 938 466 1,109 879 1,119 571
* See Table V-A for explanations

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