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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
(dollar figures in millions) 3rd Quarter
2015
2nd Quarter
2015
3rd Quarter
2014
% Change
14Q3-15Q3
Number of institutions reporting 5,812 5,881 6,107 -4.8
Total employees (full-time equivalent) 439,171 442,060 445,091 -1.3
CONDITION DATA
Total assets $2,095,679 $2,085,054 $2,031,679 3.2
Loans secured by real estate 1,076,041 1,064,892 1,017,259 5.8
1-4 Family residential mortgages 373,813 373,660 355,439 5.2
Nonfarm nonresidential 411,999 407,547 396,537 3.9
Construction and development 90,288 87,874 82,912 8.9
Home equity lines 50,092 50,049 49,206 1.8
Commercial & industrial loans 192,959 193,551 186,293 3.6
Loans to individuals 59,947 60,284 58,280 2.9
Credit cards 2,191 2,152 1,790 22.4
Farm loans 50,561 48,759 46,074 9.7
Other loans & leases 35,488 35,023 29,466 20.4
Less: Unearned income 589 568 573 2.8
Total loans & leases 1,414,406 1,401,942 1,336,799 5.8
Less: Reserve for losses 18,660 18,812 19,458 -4.1
Net loans and leases 1,395,746 1,383,130 1,317,341 6.0
Securities 438,119 443,577 452,580 -3.2
Other real estate owned 7,237 7,746 9,450 -23.4
Goodwill and other intangibles 13,735 13,597 12,561 9.3
All other assets 240,842 237,004 239,746 0.5
Total liabilities and capital 2,095,679 2,085,054 2,031,679 3.2
Deposits 1,717,385 1,708,626 1,672,408 2.7
Domestic office deposits 1,717,000 1,708,188 1,672,191 2.7
Foreign office deposits 385 438 217 77.5
Brokered deposits 70,040 67,309 59,462 17.8
Estimated insured deposits 1,304,485 1,308,563 1,300,115 0.3
Other borrowed funds 125,039 127,407 117,209 6.7
Subordinated debt 455 524 400 13.8
All other liabilities 16,794 15,633 15,628 7.5
Total equity capital (includes minority interests) 236,006 232,865 226,035 4.4
Bank equity capital 235,886 232,746 225,881 4.4
Loans and leases 30-89 days past due 8,203 8,188 9,025 -9.1
Noncurrent loans and leases 16,528 17,328 20,004 -17.4
Restructured loans and leases 9,695 9,961 11,346 -14.6
Mortgage-backed securities 184,588 189,057 197,961 -6.8
Earning assets 1,945,663 1,933,577 1,879,887 3.5
FHLB Advances 93,861 95,914 85,855 9.3
Unused loan commitments 286,501 282,020 248,643 15.2
Trust assets 242,405 247,787 238,809 1.5
Assets securitized and sold 16,035 14,575 18,907 -15.2
Notional amount of derivatives 53,177 58,202 43,485 22.3
INCOME DATA First Three Quarters
2015
First Three Quarters
2014
% Change 3rd Quarter
2015
3rd Quarter
2014
% Change
14Q3-15Q3
Total interest income $57,455 $56,664 1.4 $19,660 $19,311 1.8
Total interest expense 6,528 6,820 -4.3 2,208 2,274 -2.9
Net interest income 50,926 49,844 2.2 17,452 17,037 2.4
Provision for loan and lease losses 1,683 1,889 -10.9 560 574 -2.4
Total noninterest income 14,623 13,219 10.6 4,955 4,536 9.3
Total noninterest expense 44,593 43,773 1.9 15,145 14,820 2.2
Securities gains (losses) 453 390 16.4 100 110 -9.6
Applicable income taxes 4,481 3,980 12.6 1,593 1,394 14.3
Extraordinary gains, net 26 2 1,357.5 1 -6 N/M
Total net income (includes minority interests) 15,271 13,812 10.6 5,209 4,890 6.5
Bank net income 15,248 13,795 10.5 5,202 4,882 6.5
Net charge-offs 1,297 1,907 -32.0 477 554 -14.0
Cash dividends 6,861 6,192 10.8 2,183 1,943 12.4
Retained earnings 8,387 7,603 10.3 3,019 2,940 2.7
Net operating income 14,893 13,504 10.3 5,134 4,807 6.8
N/M - Not Meaningful

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