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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) 2nd Quarter
2016
1st Quarter
2016
2nd Quarter
2015
% Change
15Q2-16Q2
Number of institutions reporting 5,602 5,664 5,881 -4.7
Total employees (full-time equivalent) 436,777 434,793 442,060 -1.2
CONDITION DATA
Total assets $2,146,426 $2,127,880 $2,085,055 2.9
Loans secured by real estate 1,126,343 1,102,253 1,064,927 5.8
1-4 Family residential mortgages 382,428 376,260 373,655 2.3
Nonfarm nonresidential 430,722 421,245 407,575 5.7
Construction and development 97,572 95,231 87,844 11.1
Home equity lines 50,658 49,937 50,051 1.2
Commercial & industrial loans 201,667 196,759 193,522 4.2
Loans to individuals 60,817 59,513 60,273 0.9
Credit cards 2,119 2,080 2,153 -1.5
Farm loans 51,275 49,451 48,760 5.2
Other loans & leases 38,983 36,949 35,027 11.3
Less: Unearned income 633 630 568 11.6
Total loans & leases 1,478,451 1,444,295 1,401,942 5.5
Less: Reserve for losses 18,581 18,546 18,814 -1.2
Net loans and leases 1,459,871 1,425,749 1,383,128 5.5
Securities 427,803 434,583 443,565 -3.6
Other real estate owned 5,841 6,257 7,744 -24.6
Goodwill and other intangibles 14,272 13,943 13,603 4.9
All other assets 238,639 247,347 237,015 0.7
Total liabilities and capital 2,146,426 2,127,880 2,085,055 2.9
Deposits 1,752,772 1,748,382 1,708,626 2.6
Domestic office deposits 1,752,363 1,747,962 1,708,188 2.6
Foreign office deposits 409 420 438 -6.6
Brokered deposits 75,246 72,895 67,369 11.7
Estimated insured deposits 1,318,121 1,319,444 1,308,556 0.7
Other borrowed funds 132,253 123,675 127,407 3.8
Subordinated debt 831 580 524 58.7
All other liabilities 17,255 16,292 15,634 10.4
Total equity capital (includes minority interests) 243,315 238,951 232,864 4.5
Bank equity capital 243,213 238,853 232,745 4.5
Loans and leases 30-89 days past due 7,822 9,045 8,189 -4.5
Noncurrent loans and leases 15,552 15,974 17,334 -10.3
Restructured loans and leases 8,809 8,928 9,943 -11.4
Mortgage-backed securities 183,322 185,183 189,050 -3.0
Earning assets 1,995,825 1,979,601 1,933,575 3.2
FHLB Advances 103,807 95,105 95,914 8.2
Unused loan commitments 281,309 277,829 282,001 -0.2
Trust assets 261,711 258,830 247,765 5.6
Assets securitized and sold 16,616 16,363 14,460 14.9
Notional amount of derivatives 70,320 61,969 58,250 20.7
INCOME DATA First-Half
2016
First-Half
2015
% Change 2nd Quarter
2016
2nd Quarter
2015
% Change
15Q2-16Q2
Total interest income $39,523 $38,216 3.4 $19,986 $19,349 3.3
Total interest expense 4,509 4,361 3.4 2,285 2,189 4.4
Net interest income 35,015 33,855 3.4 17,701 17,160 3.2
Provision for loan and lease losses 1,371 1,131 21.2 743 586 26.6
Total noninterest income 9,781 9,897 -1.2 5,140 5,096 0.9
Total noninterest expense 30,004 29,845 0.5 15,206 15,130 0.5
Securities gains (losses) 416 358 16.1 240 117 105.5
Applicable income taxes 3,242 2,957 9.6 1,672 1,406 18.9
Extraordinary gains, net 2 22 -91.1 1 22 N/M
Total net income (includes minority interests) 10,596 10,200 3.9 5,460 5,272 3.6
Bank net income 10,585 10,183 3.9 5,454 5,265 3.6
Net charge-offs 818 844 -3.1 467 488 -4.3
Cash dividends 5,044 4,702 7.3 2,526 2,492 1.4
Retained earnings 5,542 5,482 1.1 2,927 2,773 5.6
Net operating income 10,266 9,896 3.7 5,272 5,156 2.2

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