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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) 3rd Quarter
2015
2nd Quarter
2015
3rd Quarter
2014
% Change
14Q3-15Q3
Number of institutions reporting 5,812 5,811 5,811 0.0
Total employees (full-time equivalent) 439,171 439,337 434,526 1.1
CONDITION DATA
Total assets $2,095,679 $2,067,837 $1,983,966 5.6
Loans secured by real estate 1,076,041 1,054,150 991,454 8.5
1-4 Family residential mortgages 373,813 370,268 352,602 6.0
Nonfarm nonresidential 411,999 402,600 380,691 8.2
Construction and development 90,288 86,883 79,511 13.6
Home equity lines 50,092 49,120 46,861 6.9
Commercial & industrial loans 192,959 190,924 177,992 8.4
Loans to individuals 59,947 59,118 57,952 3.4
Credit cards 2,191 2,182 2,213 -1.0
Farm loans 50,561 48,843 46,013 9.9
Other loans & leases 35,488 35,192 30,464 16.5
Less: Unearned income 589 568 555 6.0
Total loans & leases 1,414,406 1,387,660 1,303,320 8.5
Less: Reserve for losses 18,660 18,675 18,939 -1.5
Net loans and leases 1,395,746 1,368,985 1,284,381 8.7
Securities 438,119 442,211 444,498 -1.4
Other real estate owned 7,237 7,672 9,288 -22.1
Goodwill and other intangibles 13,735 13,452 11,806 16.3
All other assets 240,842 235,517 233,992 2.9
Total liabilities and capital 2,095,679 2,067,837 1,983,966 5.6
Deposits 1,717,385 1,695,089 1,628,961 5.4
Domestic office deposits 1,717,000 1,694,664 1,628,577 5.4
Foreign office deposits 385 425 385 0.2
Brokered deposits 70,040 66,790 60,231 16.3
Estimated insured deposits 1,304,485 1,300,322 1,269,746 2.7
Other borrowed funds 125,039 125,828 118,713 5.3
Subordinated debt 455 455 451 0.9
All other liabilities 16,794 15,472 15,116 11.1
Total equity capital (includes minority interests) 236,006 230,992 220,725 6.9
Bank equity capital 235,886 230,874 220,603 6.9
Loans and leases 30-89 days past due 8,203 8,180 9,006 -8.9
Noncurrent loans and leases 16,528 17,189 19,604 -15.7
Restructured loans and leases 9,695 9,845 11,223 -13.6
Mortgage-backed securities 184,588 188,052 194,050 -4.9
Earning assets 1,945,663 1,917,421 1,836,654 5.9
FHLB Advances 93,861 94,424 87,617 7.1
Unused loan commitments 286,501 278,574 256,473 11.7
Trust assets 242,405 249,519 233,594 3.8
Assets securitized and sold 16,035 14,575 13,056 22.8
Notional amount of derivatives 53,177 55,437 40,433 31.5
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 $54,502 5.4 $19,660 $18,599 5.7
Total interest expense 6,528 6,604 -1.1 2,208 2,207 0.0
Net interest income 50,926 47,898 6.3 17,452 16,392 6.5
Provision for loan and lease losses 1,683 1,713 -1.7 560 574 -2.3
Total noninterest income 14,623 12,834 13.9 4,955 4,460 11.1
Total noninterest expense 44,593 41,852 6.5 15,145 14,166 6.9
Securities gains (losses) 453 394 15.0 100 108 -7.2
Applicable income taxes 4,481 3,848 16.5 1,593 1,366 16.6
Extraordinary gains, net 26 2 1,357.5 1 -6 N/M
Total net income (includes minority interests) 15,271 13,716 11.3 5,209 4,846 7.5
Bank net income 15,248 13,698 11.3 5,202 4,839 7.5
Net charge-offs 1,297 1,770 -26.7 477 567 -15.9
Cash dividends 6,861 6,176 11.1 2,183 1,925 13.4
Retained earnings 8,387 7,523 11.5 3,019 2,914 3.6
Net operating income 14,893 13,405 11.1 5,134 4,765 7.7
N/M - Not Meaningful

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