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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) 4th Quarter
2016
3rd Quarter
2016
4th Quarter
2015
% Change
15Q4-16Q4
Number of institutions reporting 5,461 5,461 5,461 0.0
Total employees (full-time equivalent) 431,061 428,269 418,429 3.0
CONDITION DATA
Total assets $2,183,605 $2,155,674 $2,061,965 5.9
Loans secured by real estate 1,160,722 1,139,999 1,065,971 8.9
1-4 Family residential mortgages 389,858 388,999 371,306 5.0
Nonfarm nonresidential 445,387 433,056 403,423 10.4
Construction and development 101,939 98,849 89,768 13.6
Home equity lines 50,721 50,241 48,333 4.9
Commercial & industrial loans 203,379 199,769 189,119 7.5
Loans to individuals 60,901 60,156 57,757 5.4
Credit cards 2,215 2,135 2,146 3.2
Farm loans 50,721 52,446 50,962 -0.5
Other loans & leases 39,697 40,586 35,941 10.5
Less: Unearned income 660 643 651 1.3
Total loans & leases 1,514,761 1,492,314 1,399,100 8.3
Less: Reserve for losses 18,475 18,412 18,034 2.4
Net loans and leases 1,496,285 1,473,902 1,381,065 8.3
Securities 422,959 417,731 426,455 -0.8
Other real estate owned 5,055 5,443 6,380 -20.8
Goodwill and other intangibles 14,400 14,106 13,118 9.8
All other assets 244,905 244,493 234,947 4.2
Total liabilities and capital 2,183,605 2,155,674 2,061,965 5.9
Deposits 1,793,682 1,765,272 1,688,399 6.2
Domestic office deposits 1,793,205 1,764,861 1,688,004 6.2
Foreign office deposits 478 411 395 20.8
Brokered deposits 81,194 78,306 69,994 16.0
Estimated insured deposits 1,329,596 1,319,482 1,277,188 4.1
Other borrowed funds 131,764 128,229 128,829 2.3
Subordinated debt 806 802 429 88.2
All other liabilities 16,090 17,533 15,169 6.1
Total equity capital (includes minority interests) 241,262 243,838 229,139 5.3
Bank equity capital 241,165 243,726 229,030 5.3
Loans and leases 30-89 days past due 8,711 7,799 8,787 -0.9
Noncurrent loans and leases 15,013 15,406 15,514 -3.2
Restructured loans and leases 8,298 8,639 9,140 -9.2
Mortgage-backed securities 181,024 178,652 178,941 1.2
Earning assets 2,030,032 2,005,227 1,915,496 6.0
FHLB Advances 103,989 100,346 98,856 5.2
Unused loan commitments 284,645 280,019 260,206 9.4
Trust assets 294,313 252,060 275,175 7.0
Assets securitized and sold 14,704 14,435 13,196 11.4
Notional amount of derivatives 59,690 73,463 49,006 21.8
INCOME DATA Full Year
2016
Full Year
2015
% Change 4th Quarter
2016
4th Quarter
2015
% Change
15Q4-16Q4
Total interest income $79,194 $73,306 8.0 $20,424 $18,934 7.9
Total interest expense 9,133 8,348 9.4 2,369 2,137 10.8
Net interest income 70,061 64,958 7.9 18,056 16,797 7.5
Provision for loan and lease losses 3,026 2,509 20.6 930 880 5.8
Total noninterest income 19,958 18,551 7.6 5,155 4,783 7.8
Total noninterest expense 59,934 56,523 6.0 15,612 14,735 6.0
Securities gains (losses) 640 506 26.5 52 76 -31.7
Applicable income taxes 6,279 5,541 13.3 1,363 1,206 13.0
Extraordinary gains, net* -9 5 N/M -9 4 N/M
Total net income (includes minority interests) 21,411 19,447 10.1 5,347 4,839 10.5
Bank net income 21,388 19,420 10.1 5,342 4,834 10.5
Net charge-offs 2,213 1,959 12.9 802 746 7.4
Cash dividends 10,209 9,766 4.5 3,055 3,140 -2.7
Retained earnings 11,179 9,655 15.8 2,287 1,695 34.9
Net operating income 20,913 19,042 9.8 5,316 4,769 11.5
* See Notes to Users for explanation. N/M - Not Meaningful

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