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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
(dollar figures in millions) 1st Quarter
2016
4th Quarter
2015
1st Quarter
2015
% Change
15Q1-16Q1
Number of institutions reporting 5,664 5,735 5,946 -4.7
Total employees (full-time equivalent) 434,761 437,839 439,096 -1.0
CONDITION DATA
Total assets $2,127,886 $2,120,094 $2,070,578 2.8
Loans secured by real estate 1,102,255 1,094,601 1,040,173 6.0
1-4 Family residential mortgages 376,255 376,499 361,797 4.0
Nonfarm nonresidential 421,326 418,598 402,170 4.8
Construction and development 95,163 93,662 85,387 11.4
Home equity lines 49,937 50,629 49,372 1.1
Commercial & industrial loans 196,778 196,373 190,142 3.5
Loans to individuals 59,524 59,990 58,879 1.1
Credit cards 2,080 2,173 1,982 5.0
Farm loans 49,454 51,331 45,270 9.2
Other loans & leases 36,930 36,466 33,446 10.4
Less: Unearned income 629 637 553 13.8
Total loans & leases 1,444,312 1,438,123 1,367,358 5.6
Less: Reserve for losses 18,546 18,522 18,929 -2.0
Net loans and leases 1,425,766 1,419,602 1,348,429 5.7
Securities 434,583 438,361 445,436 -2.4
Other real estate owned 6,259 6,579 8,382 -25.3
Goodwill and other intangibles 13,927 13,818 12,817 8.7
All other assets 247,350 241,734 255,514 -3.2
Total liabilities and capital 2,127,886 2,120,094 2,070,578 2.8
Deposits 1,748,379 1,736,384 1,708,821 2.3
Domestic office deposits 1,747,960 1,735,983 1,708,341 2.3
Foreign office deposits 420 400 480 -12.6
Brokered deposits 72,978 71,357 65,670 11.1
Estimated insured deposits 1,319,947 1,313,887 1,313,741 0.5
Other borrowed funds 123,675 131,741 114,621 7.9
Subordinated debt 585 479 458 27.6
All other liabilities 16,295 15,661 15,652 4.1
Total equity capital (includes minority interests) 238,953 235,829 231,025 3.4
Bank equity capital 238,855 235,720 230,907 3.4
Loans and leases 30-89 days past due 9,059 8,972 9,852 -8.0
Noncurrent loans and leases 15,962 15,781 18,077 -11.7
Restructured loans and leases 8,926 9,420 10,065 -11.3
Mortgage-backed securities 185,170 185,278 190,950 -3.0
Earning assets 1,979,545 1,968,471 1,920,809 3.1
FHLB Advances 95,105 100,881 85,204 11.6
Unused loan commitments 278,354 271,029 259,713 7.2
Trust assets 260,121 292,935 247,297 5.2
Assets securitized and sold 16,363 15,812 14,130 15.8
Notional amount of derivatives 61,850 51,859 57,732 7.1
INCOME DATA Full Year
2015
Full Year
2014
% Change 1st Quarter
2016
1st Quarter
2015
% Change
15Q1-16Q1
Total interest income $76,403 $75,692 0.9 $19,725 $18,998 3.8
Total interest expense 8,652 9,101 -4.9 2,245 2,167 3.6
Net interest income 67,751 66,591 1.7 17,480 16,832 3.9
Provision for loan and lease losses 2,456 2,566 -4.3 620 540 14.9
Total noninterest income 19,522 17,680 10.4 4,694 4,681 0.3
Total noninterest expense 59,320 58,523 1.4 14,982 14,796 1.3
Securities gains (losses) 520 561 -7.2 180 245 -26.6
Applicable income taxes 5,687 5,186 9.7 1,586 1,512 4.9
Extraordinary gains, net 7 2 197.6 1 0 N/M
Total net income (includes minority interests) 20,337 18,559 9.6 5,166 4,911 5.2
Bank net income 20,310 18,535 9.6 5,162 4,901 5.3
Net charge-offs 1,973 2,757 -28.4 349 349 0.0
Cash dividends 10,102 9,251 9.2 2,536 2,160 17.4
Retained earnings 10,208 9,284 10.0 2,626 2,741 -4.2
Net operating income 19,919 18,111 10.0 5,023 4,721 6.4
N/M - Not Meaningful

Last Updated 6/01/2016 Questions, Suggestions & Requests

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