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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
3rd Quarter 2015
(dollar figures in millions) All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 5,812 684 715 1,282 1,502 1,244 385
Total employees (full-time equivalent) 439,171 87,774 55,854 92,541 70,811 95,510 36,681
CONDITION DATA
Total assets $2,095,679 $544,584 $245,743 $387,310 $325,354 $404,953 $187,734
Loans secured by real estate 1,076,041 320,965 134,618 194,799 146,927 185,067 93,665
1-4 Family residential mortgages 373,813 126,660 43,875 71,222 48,088 61,617 22,351
Nonfarm nonresidential 411,999 113,134 57,668 70,840 48,484 74,803 47,070
Construction and development 90,288 17,206 15,084 11,966 11,772 26,287 7,973
Home equity lines 50,092 16,834 7,669 11,637 4,573 4,338 5,041
Commercial & industrial loans 192,959 46,302 18,716 36,229 31,803 41,247 18,662
Loans to individuals 59,947 12,758 6,580 12,115 9,792 13,693 5,009
Credit cards 2,191 463 132 434 474 306 382
Farm loans 50,561 527 1,307 7,799 28,054 10,051 2,823
Other loans & leases 35,488 10,894 2,732 6,319 5,308 7,037 3,197
Less: Unearned income 589 164 98 63 35 124 106
Total loans & leases 1,414,406 391,283 163,855 257,197 221,849 256,972 123,251
Less: Reserve for losses 18,660 4,465 2,291 3,593 3,074 3,419 1,818
Net loans and leases 1,395,746 386,818 161,563 253,605 218,775 253,553 121,432
Securities 438,119 99,775 48,542 85,322 69,787 97,472 37,222
Other real estate owned 7,237 1,011 1,886 1,503 1,091 1,337 409
Goodwill and other intangibles 13,735 4,481 1,262 2,219 1,720 2,578 1,474
All other assets 240,842 52,499 32,489 44,661 33,982 50,014 27,197
Total liabilities and capital 2,095,679 544,584 245,743 387,310 325,354 404,953 187,734
Deposits 1,717,385 432,440 204,256 319,969 264,723 339,867 156,130
Domestic office deposits 1,717,000 432,139 204,246 319,952 264,723 339,867 156,073
Foreign office deposits 385 301 9 17 0 0 58
Brokered deposits 70,040 24,806 7,213 11,706 10,413 9,927 5,975
Estimated insured deposits 1,304,485 317,952 157,091 257,242 210,747 251,760 109,692
Other borrowed funds 125,039 44,851 11,990 20,445 22,322 17,694 7,737
Subordinated debt 455 309 23 50 4 6 66
All other liabilities 16,794 5,615 1,841 2,909 2,038 2,701 1,691
Total equity capital (includes minority interests) 236,006 61,370 27,634 43,938 36,268 44,686 22,110
Bank equity capital 235,886 61,317 27,616 43,917 36,267 44,661 22,109
Loans and leases 30-89 days past due 8,203 2,262 1,124 1,508 1,112 1,749 448
Noncurrent loans and leases 16,528 5,699 2,381 3,147 1,704 2,664 934
Restructured loans and leases 9,695 2,662 1,530 2,552 1,066 1,109 777
Mortgage-backed securities 184,588 55,176 20,495 32,881 22,130 36,180 17,726
Earning assets 1,945,663 508,167 225,669 359,082 303,233 374,525 174,988
FHLB Advances 93,861 35,897 9,372 14,315 16,076 13,705 4,495
Unused loan commitments 286,501 68,982 29,546 49,809 44,239 48,538 45,386
Trust assets 242,405 51,903 9,431 64,601 66,243 39,456 10,770
Assets securitized and sold 16,035 3,877 535 6,132 816 618 4,057
Notional amount of derivatives 53,177 18,841 6,276 8,910 7,601 7,410 4,139
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $19,660 $4,898 $2,378 $3,546 $3,104 $3,969 $1,765
Total interest expense 2,208 703 270 391 351 364 131
Net interest income 17,452 4,195 2,108 3,155 2,753 3,606 1,634
Provision for loan and lease losses 560 212 50 47 89 137 25
Total noninterest income 4,955 940 566 1,242 737 965 505
Total noninterest expense 15,145 3,483 1,995 3,006 2,235 3,040 1,386
Securities gains (losses) 100 41 12 17 11 13 5
Applicable income taxes 1,593 477 181 316 198 207 213
Extraordinary gains, net 1 0 -1 1 0 0 1
Total net income (includes minority interests) 5,209 1,004 459 1,047 979 1,200 521
Bank net income 5,202 1,002 458 1,045 979 1,198 521
Net charge-offs 477 136 60 113 56 100 11
Cash dividends 2,183 219 141 557 493 558 215
Retained earnings 3,019 783 316 488 486 640 305
Net operating income 5,134 977 452 1,031 969 1,188 516
* See Table V-A for explanations.

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