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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) 4th Quarter
2016
3rd Quarter
2016
4th Quarter
2015
% Change
15Q4-16Q4
Number of institutions reporting 5,461 5,522 5,735 -4.8
Total employees (full-time equivalent) 431,061 431,151 437,842 -1.5
CONDITION DATA
Total assets $2,183,605 $2,163,553 $2,119,973 3.0
Loans secured by real estate 1,160,722 1,143,151 1,094,369 6.1
1-4 Family residential mortgages 389,858 389,636 376,160 3.6
Nonfarm nonresidential 445,387 434,583 418,618 6.4
Construction and development 101,939 98,985 93,745 8.7
Home equity lines 50,721 50,538 50,629 0.2
Commercial & industrial loans 203,379 200,390 196,227 3.6
Loans to individuals 60,901 60,314 59,988 1.5
Credit cards 2,215 2,141 2,173 1.9
Farm loans 50,721 52,468 51,331 -1.2
Other loans & leases 39,697 40,554 36,716 8.1
Less: Unearned income 660 642 638 3.4
Total loans & leases 1,514,761 1,496,235 1,437,993 5.3
Less: Reserve for losses 18,475 18,446 18,542 -0.4
Net loans and leases 1,496,285 1,477,789 1,419,450 5.4
Securities 422,959 419,992 438,358 -3.5
Other real estate owned 5,055 5,466 6,584 -23.2
Goodwill and other intangibles 14,400 14,284 13,826 4.2
All other assets 244,905 246,021 241,755 1.3
Total liabilities and capital 2,183,605 2,163,553 2,119,973 3.0
Deposits 1,793,682 1,771,676 1,736,385 3.3
Domestic office deposits 1,793,205 1,771,265 1,735,985 3.3
Foreign office deposits 478 411 400 19.4
Brokered deposits 81,194 78,407 71,329 13.8
Estimated insured deposits 1,329,596 1,323,721 1,313,889 1.2
Other borrowed funds 131,764 128,641 131,741 0.0
Subordinated debt 806 802 479 68.5
All other liabilities 16,090 17,661 15,664 2.7
Total equity capital (includes minority interests) 241,262 244,773 235,704 2.4
Bank equity capital 241,165 244,661 235,595 2.4
Loans and leases 30-89 days past due 8,711 7,802 8,972 -2.9
Noncurrent loans and leases 15,013 15,444 15,906 -5.6
Restructured loans and leases 8,298 8,663 9,424 -12.0
Mortgage-backed securities 181,024 179,986 185,291 -2.3
Earning assets 2,030,032 2,012,451 1,968,326 3.1
FHLB Advances 103,989 100,678 100,888 3.1
Unused loan commitments 284,645 281,271 271,069 5.0
Trust assets 294,313 253,776 292,961 0.5
Assets securitized and sold 14,704 14,435 15,812 -7.0
Notional amount of derivatives 59,690 74,283 51,861 15.1
INCOME DATA Full Year
2016
Full Year
2015
% Change 4th Quarter
2016
4th Quarter
2015
% Change
15Q4-16Q4
Total interest income $79,194 $76,401 3.7 $20,424 $19,745 3.4
Total interest expense 9,133 8,652 5.6 2,369 2,216 6.9
Net interest income 70,061 67,750 3.4 18,056 17,528 3.0
Provision for loan and lease losses 3,026 2,558 18.3 930 894 4.1
Total noninterest income 19,958 19,528 2.2 5,155 5,022 2.7
Total noninterest expense 59,934 59,373 0.9 15,612 15,498 0.7
Securities gains (losses) 640 520 23.0 52 77 -32.8
Applicable income taxes 6,279 5,633 11.5 1,363 1,224 11.4
Extraordinary gains, net* -9 6 N/M -9 4 N/M
Total net income (includes minority interests) 21,411 20,239 5.8 5,347 5,016 6.6
Bank net income 21,388 20,213 5.8 5,342 5,011 6.6
Net charge-offs 2,213 2,055 7.7 802 779 2.9
Cash dividends 10,209 10,093 1.2 3,055 3,271 -6.6
Retained earnings 11,179 10,120 10.5 2,287 1,741 31.4
Net operating income 20,913 19,822 5.5 5,316 4,946 7.5
* See Notes to Users for explanation. N/M - Not Meaningful

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