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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
2nd Quarter 2016
(dollar figures in millions) All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 5,602 648 681 1,229 1,462 1,216 366
Total employees (full-time equivalent) 436,777 87,687 54,098 90,480 70,990 96,061 37,461
CONDITION DATA
Total assets $2,146,426 $569,576 $247,719 $387,064 $331,413 $417,658 $192,996
Loans secured by real estate 1,126,343 342,819 137,068 196,643 153,334 196,962 99,516
1-4 Family residential mortgages 382,428 129,284 44,475 70,517 49,389 64,444 24,320
Nonfarm nonresidential 430,722 121,471 58,564 71,709 50,244 79,864 48,871
Construction and development 97,572 19,507 15,784 12,723 12,688 28,289 8,580
Home equity lines 50,658 17,212 7,552 11,399 4,769 4,581 5,143
Commercial & industrial loans 201,667 49,938 19,244 37,457 33,284 42,889 18,855
Loans to individuals 60,817 12,860 6,959 11,899 10,001 13,795 5,302
Credit cards 2,119 454 129 419 511 303 303
Farm loans 51,275 537 1,361 7,964 28,327 10,151 2,935
Other loans & leases 38,983 12,178 3,108 6,672 5,730 7,828 3,466
Less: Unearned income 633 169 126 59 49 125 106
Total loans & leases 1,478,451 418,164 167,615 260,577 230,626 271,500 129,969
Less: Reserve for losses 18,581 4,543 2,122 3,410 3,129 3,573 1,803
Net loans and leases 1,459,871 413,621 165,493 257,166 227,497 267,927 128,165
Securities 427,803 96,955 47,216 82,705 67,297 95,448 38,183
Other real estate owned 5,841 881 1,513 1,085 874 1,160 328
Goodwill and other intangibles 14,272 4,732 1,286 2,294 1,782 2,670 1,508
All other assets 238,639 53,387 32,211 43,814 33,963 50,452 24,812
Total liabilities and capital 2,146,426 569,576 247,719 387,064 331,413 417,658 192,996
Deposits 1,752,772 450,063 204,462 318,854 270,355 348,583 160,455
Domestic office deposits 1,752,363 449,707 204,452 318,832 270,355 348,583 160,433
Foreign office deposits 409 356 9 22 0 0 22
Brokered deposits 75,246 25,127 7,345 12,619 11,470 11,614 7,070
Estimated insured deposits 1,318,121 327,568 155,404 254,902 213,686 256,065 110,496
Other borrowed funds 132,253 48,839 13,425 20,912 21,522 19,488 8,067
Subordinated debt 831 673 20 77 17 6 40
All other liabilities 17,255 5,894 1,812 2,969 2,008 2,717 1,855
Total equity capital (includes minority interests) 243,315 64,107 28,000 44,252 37,511 46,864 22,580
Bank equity capital 243,213 64,054 27,988 44,235 37,510 46,847 22,579
Loans and leases 30-89 days past due 7,822 1,919 989 1,430 1,236 1,815 434
Noncurrent loans and leases 15,552 5,385 1,864 2,792 1,778 2,845 889
Restructured loans and leases 8,809 2,511 1,296 2,179 1,007 1,136 679
Mortgage-backed securities 183,322 54,173 20,621 32,246 22,219 35,672 18,390
Earning assets 1,995,825 532,415 228,302 359,380 309,380 386,420 179,927
FHLB Advances 103,807 41,375 10,820 15,205 15,726 15,563 5,118
Unused loan commitments 281,309 72,926 30,357 51,695 46,420 50,956 28,955
Trust assets 261,711 58,637 10,187 65,449 74,577 42,913 9,948
Assets securitized and sold 16,616 3,481 77 6,030 795 623 5,610
Notional amount of derivatives 70,320 24,896 8,234 12,389 9,215 9,206 6,380
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $19,986 $5,063 $2,345 $3,508 $3,164 $4,084 $1,823
Total interest expense 2,285 746 263 391 365 385 135
Net interest income 17,701 4,317 2,082 3,117 2,799 3,699 1,688
Provision for loan and lease losses 743 231 76 96 114 186 40
Total noninterest income 5,140 993 596 1,259 768 985 539
Total noninterest expense 15,206 3,552 1,896 2,917 2,304 3,104 1,433
Securities gains (losses) 240 71 29 41 31 47 22
Applicable income taxes 1,672 502 181 334 197 219 238
Extraordinary gains, net 1 0 0 0 0 0 0
Total net income (includes minority interests) 5,460 1,095 554 1,070 982 1,221 537
Bank net income 5,454 1,094 553 1,069 982 1,220 537
Net charge-offs 467 136 60 78 53 127 12
Cash dividends 2,526 362 194 581 564 597 229
Retained earnings 2,927 732 359 488 418 623 308
Net operating income 5,272 1,043 533 1,037 956 1,181 522

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