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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
Prior Periods Adjusted for Mergers
(dollar figures in millions) 1st Quarter
2016
4th Quarter
2015
1st Quarter
2015
% Change
15Q1-16Q1
Number of institutions reporting 5,664 5,664 5,663 0.0
Total employees (full-time equivalent) 434,761 432,358 422,540 2.9
CONDITION DATA
Total assets $2,127,886 $2,098,745 $2,015,557 5.6
Loans secured by real estate 1,102,255 1,082,734 1,011,278 9.0
1-4 Family residential mortgages 376,255 373,412 358,448 5.0
Nonfarm nonresidential 421,326 412,849 385,015 9.4
Construction and development 95,163 92,417 81,833 16.3
Home equity lines 49,937 49,819 46,914 6.4
Commercial & industrial loans 196,778 193,862 181,187 8.6
Loans to individuals 59,524 59,618 56,694 5.0
Credit cards 2,080 2,161 2,125 -2.1
Farm loans 49,454 51,286 45,151 9.5
Other loans & leases 36,930 36,124 32,813 12.5
Less: Unearned income 629 629 534 17.7
Total loans & leases 1,444,312 1,422,995 1,326,588 8.9
Less: Reserve for losses 18,546 18,318 18,359 1.0
Net loans and leases 1,425,766 1,404,677 1,308,230 9.0
Securities 434,583 434,165 437,551 -0.7
Other real estate owned 6,259 6,490 8,055 -22.3
Goodwill and other intangibles 13,927 13,707 12,442 11.9
All other assets 247,350 239,706 249,280 -0.8
Total liabilities and capital 2,127,886 2,098,745 2,015,557 5.6
Deposits 1,748,379 1,718,687 1,659,710 5.3
Domestic office deposits 1,747,960 1,718,287 1,659,264 5.3
Foreign office deposits 420 400 446 -5.9
Brokered deposits 72,978 70,793 63,203 15.5
Estimated insured deposits 1,319,947 1,300,843 1,279,839 3.1
Other borrowed funds 123,675 130,484 114,390 8.1
Subordinated debt 585 479 443 31.9
All other liabilities 16,295 15,514 15,341 6.2
Total equity capital (includes minority interests) 238,953 233,580 225,672 5.9
Bank equity capital 238,855 233,483 225,562 5.9
Loans and leases 30-89 days past due 9,059 8,905 9,732 -6.9
Noncurrent loans and leases 15,962 15,601 17,695 -9.8
Restructured loans and leases 8,926 9,305 9,770 -8.6
Mortgage-backed securities 185,170 182,914 186,563 -0.7
Earning assets 1,979,545 1,948,505 1,869,979 5.9
FHLB Advances 95,105 100,014 85,370 11.4
Unused loan commitments 278,354 267,580 267,044 4.2
Trust assets 260,121 289,725 245,170 6.1
Assets securitized and sold 16,363 15,812 14,130 15.8
Notional amount of derivatives 61,850 51,600 53,926 14.7
INCOME DATA Full Year
2015
Full Year
2014
% Change 1st Quarter
2016
1st Quarter
2015
% Change
15Q1-16Q1
Total interest income $75,420 $71,583 5.4 $19,725 $18,252 8.1
Total interest expense 8,543 8,585 -0.5 2,245 2,101 6.8
Net interest income 66,877 62,998 6.2 17,480 16,151 8.2
Provision for loan and lease losses 2,433 2,360 3.1 620 530 17.1
Total noninterest income 19,306 17,049 13.2 4,694 4,596 2.1
Total noninterest expense 58,514 55,164 6.1 14,982 14,162 5.8
Securities gains (losses) 516 535 -3.5 180 232 -22.5
Applicable income taxes 5,640 4,657 21.1 1,586 1,471 7.8
Extraordinary gains, net 7 1 402.3 1 0 N/M
Total net income (includes minority interests) 20,119 18,402 9.3 5,166 4,817 7.2
Bank net income 20,092 18,377 9.3 5,162 4,808 7.4
Net charge-offs 1,947 2,568 -24.2 349 332 5.1
Cash dividends 10,013 8,985 11.4 2,536 2,194 15.6
Retained earnings 10,079 9,392 7.3 2,626 2,613 0.5
Net operating income 19,704 17,978 9.6 5,023 4,637 8.3
N/M - Not Meaningful

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