Skip Header

Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Quarterly Banking Profile

Table II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks
Prior Periods Adjusted for Mergers
(dollar figures in millions) 2nd Quarter
2016
1st Quarter
2016
2nd Quarter
2015
% Change
15Q2-16Q2
Number of institutions reporting 5,602 5,602 5,601 0.0
Total employees (full-time equivalent) 436,777 430,192 423,542 3.1
CONDITION DATA
Total assets $2,146,426 $2,118,886 $2,022,240 6.1
Loans secured by real estate 1,126,343 1,095,973 1,028,855 9.5
1-4 Family residential mortgages 382,428 374,091 362,875 5.4
Nonfarm nonresidential 430,722 418,957 391,248 10.1
Construction and development 97,572 94,549 84,067 16.1
Home equity lines 50,658 49,610 47,588 6.5
Commercial & industrial loans 201,667 196,238 185,934 8.5
Loans to individuals 60,817 59,397 58,158 4.6
Credit cards 2,119 2,080 2,168 -2.2
Farm loans 51,275 49,349 48,647 5.4
Other loans & leases 38,983 36,910 34,595 12.7
Less: Unearned income 633 628 553 14.5
Total loans & leases 1,478,451 1,437,239 1,355,636 9.1
Less: Reserve for losses 18,581 18,457 18,226 1.9
Net loans and leases 1,459,871 1,418,782 1,337,410 9.2
Securities 427,803 433,570 434,242 -1.5
Other real estate owned 5,841 6,223 7,430 -21.4
Goodwill and other intangibles 14,272 13,879 13,182 8.3
All other assets 238,639 246,431 229,975 3.8
Total liabilities and capital 2,146,426 2,118,886 2,022,240 6.1
Deposits 1,752,772 1,741,196 1,657,318 5.8
Domestic office deposits 1,752,363 1,740,784 1,656,898 5.8
Foreign office deposits 409 412 420 -2.5
Brokered deposits 75,246 72,274 65,004 15.8
Estimated insured deposits 1,318,121 1,313,387 1,271,499 3.7
Other borrowed funds 132,253 123,045 123,091 7.4
Subordinated debt 831 580 455 82.9
All other liabilities 17,255 16,200 15,132 14.0
Total equity capital (includes minority interests) 243,315 237,864 226,245 7.5
Bank equity capital 243,213 237,766 226,134 7.6
Loans and leases 30-89 days past due 7,822 9,014 8,029 -2.6
Noncurrent loans and leases 15,552 15,906 16,756 -7.2
Restructured loans and leases 8,809 8,873 9,577 -8.0
Mortgage-backed securities 183,322 184,476 183,335 0.0
Earning assets 1,995,825 1,971,338 1,875,375 6.4
FHLB Advances 103,807 94,580 92,193 12.6
Unused loan commitments 281,309 276,396 271,700 3.5
Trust assets 261,711 258,830 246,829 6.0
Assets securitized and sold 16,616 15,922 13,996 18.7
Notional amount of derivatives 70,320 60,337 53,529 31.4
INCOME DATA First-Half
2016
First-Half
2015
% Change 2nd Quarter
2016
2nd Quarter
2015
% Change
15Q2-16Q2
Total interest income $39,523 $36,620 7.9 $19,986 $18,557 7.7
Total interest expense 4,509 4,182 7.8 2,285 2,100 8.8
Net interest income 35,015 32,438 7.9 17,701 16,457 7.6
Provision for loan and lease losses 1,371 1,110 23.5 743 580 28.1
Total noninterest income 9,781 9,395 4.1 5,140 4,862 5.7
Total noninterest expense 30,004 28,387 5.7 15,206 14,405 5.6
Securities gains (losses) 416 341 21.9 240 111 116.9
Applicable income taxes 3,242 2,891 12.1 1,672 1,436 16.4
Extraordinary gains, net 2 1 N/M 1 0 N/M
Total net income (includes minority interests) 10,596 9,788 8.3 5,460 5,009 9.0
Bank net income 10,585 9,772 8.3 5,454 5,002 9.0
Net charge-offs 818 800 2.2 467 467 0.0
Cash dividends 5,044 4,595 9.8 2,526 2,411 4.8
Retained earnings 5,542 5,178 7.0 2,927 2,591 13.0
Net operating income 10,266 9,520 7.8 5,272 4,920 7.2

Last Updated 8/30/2016 Questions, Suggestions & Requests

Skip Footer back to content