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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
4th Quarter 2016
(dollar figures in millions) All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 5,461 632 660 1,200 1,427 1,191 351
Total employees (full-time equivalent) 431,061 85,734 52,996 90,964 70,598 94,175 36,594
CONDITION DATA
Total assets $2,183,605 $579,560 $247,345 $396,142 $336,870 $420,337 $203,350
Loans secured by real estate 1,160,722 353,649 138,468 203,057 157,472 201,247 106,828
1-4 Family residential mortgages 389,858 131,324 44,625 71,754 49,737 64,607 27,811
Nonfarm nonresidential 445,387 125,502 59,874 74,347 51,942 82,719 51,003
Construction and development 101,939 20,802 15,794 13,919 13,465 28,997 8,961
Home equity lines 50,721 16,967 7,808 11,449 4,872 4,689 4,935
Commercial & industrial loans 203,379 50,934 19,194 37,913 33,118 42,739 19,482
Loans to individuals 60,901 13,377 6,368 12,147 10,141 13,727 5,142
Credit cards 2,215 446 133 442 566 307 321
Farm loans 50,721 554 1,193 8,522 28,148 9,462 2,841
Other loans & leases 39,697 12,582 3,202 6,810 5,754 7,909 3,440
Less: Unearned income 660 167 117 60 57 128 130
Total loans & leases 1,514,761 430,930 168,309 268,389 234,576 274,956 137,602
Less: Reserve for losses 18,475 4,427 2,044 3,343 3,162 3,662 1,838
Net loans and leases 1,496,285 426,503 166,265 265,046 231,414 271,294 135,764
Securities 422,959 96,207 46,460 82,181 65,989 93,273 38,849
Other real estate owned 5,055 775 1,276 913 770 1,015 305
Goodwill and other intangibles 14,400 4,734 1,270 2,492 1,854 2,716 1,334
All other assets 244,905 51,341 32,074 45,510 36,843 52,039 27,097
Total liabilities and capital 2,183,605 579,560 247,345 396,142 336,870 420,337 203,350
Deposits 1,793,682 460,124 204,766 327,431 278,104 352,891 170,366
Domestic office deposits 1,793,205 459,713 204,750 327,408 278,104 352,891 170,338
Foreign office deposits 478 411 16 23 0 0 28
Brokered deposits 81,194 26,889 7,294 13,942 12,439 11,669 8,962
Estimated insured deposits 1,329,596 329,505 152,785 259,839 217,243 253,711 116,513
Other borrowed funds 131,764 48,296 13,598 22,129 19,914 19,261 8,567
Subordinated debt 806 687 20 47 22 16 15
All other liabilities 16,090 5,634 1,749 2,829 1,846 2,394 1,637
Total equity capital (includes minority interests) 241,262 64,820 27,212 43,706 36,984 45,775 22,765
Bank equity capital 241,165 64,786 27,200 43,677 36,983 45,756 22,764
Loans and leases 30-89 days past due 8,711 2,223 1,151 1,478 1,228 2,152 479
Noncurrent loans and leases 15,013 5,036 1,646 2,620 1,779 3,136 796
Restructured loans and leases 8,298 2,337 1,146 2,046 1,036 1,118 615
Mortgage-backed securities 181,024 53,461 20,340 31,764 21,396 34,833 19,230
Earning assets 2,030,032 542,768 228,176 367,226 313,216 388,455 190,192
FHLB Advances 103,989 41,172 11,030 16,281 14,443 15,469 5,594
Unused loan commitments 284,645 72,850 30,620 53,061 47,062 51,462 29,589
Trust assets 294,313 53,174 12,768 78,097 87,821 50,810 11,643
Assets securitized and sold 14,704 3,690 67 5,955 936 639 3,417
Notional amount of derivatives 59,690 23,533 6,858 10,539 7,250 6,963 4,548
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $20,424 $5,185 $2,358 $3,605 $3,206 $4,109 $1,962
Total interest expense 2,369 759 262 405 379 398 165
Net interest income 18,056 4,426 2,096 3,199 2,826 3,711 1,797
Provision for loan and lease losses 930 220 86 100 170 315 40
Total noninterest income 5,155 954 528 1,303 812 964 594
Total noninterest expense 15,612 3,673 1,888 3,040 2,394 3,157 1,461
Securities gains (losses) 52 34 12 -7 6 9 -2
Applicable income taxes 1,363 413 154 228 187 154 228
Extraordinary gains, net -9 -9 0 0 0 0 0
Total net income (includes minority interests) 5,347 1,099 509 1,127 893 1,059 660
Bank net income 5,342 1,097 508 1,125 893 1,059 660
Net charge-offs 802 196 81 136 157 194 38
Cash dividends 3,055 364 324 735 555 759 318
Retained earnings 2,287 733 185 390 338 299 342
Net operating income 5,316 1,081 500 1,135 888 1,050 662
* See Table V-A for explanations.

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