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Federal Deposit
Insurance Corporation

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

Quarterly Banking Profile

Table III-B. Aggregate Condition and Income Data by Geographic Region, FDIC-Insured Community Banks
1st Quarter 2016
    Geographic Regions*
(dollar figures in millions) All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 5,664 659 691 1,249 1,471 1,223 371
Total employees (full-time equivalent) 434,761 86,434 54,169 90,711 71,162 95,272 37,013
CONDITION DATA
Total assets $2,127,886 $560,570 $245,108 $386,196 $332,289 $413,109 $190,614
Loans secured by real estate 1,102,255 334,378 134,140 194,849 151,647 191,371 95,870
1-4 Family residential mortgages 376,255 127,432 43,724 70,258 48,946 62,553 23,340
Nonfarm nonresidential 421,326 118,207 57,014 71,015 50,043 77,592 47,455
Construction and development 95,163 18,862 15,586 12,295 12,472 27,704 8,244
Home equity lines 49,937 16,956 7,471 11,346 4,695 4,430 5,038
Commercial & industrial loans 196,778 48,837 18,553 36,528 32,497 42,096 18,267
Loans to individuals 59,524 12,671 6,703 11,689 9,779 13,578 5,103
Credit cards 2,080 453 128 415 484 305 296
Farm loans 49,454 504 1,166 7,780 28,141 9,332 2,531
Other loans & leases 36,930 11,627 2,797 6,291 5,517 7,448 3,249
Less: Unearned income 629 167 131 61 45 123 101
Total loans & leases 1,444,312 407,851 163,228 257,075 227,536 263,701 124,920
Less: Reserve for losses 18,546 4,575 2,131 3,451 3,103 3,498 1,787
Net loans and leases 1,425,766 403,276 161,096 253,624 224,433 260,203 123,133
Securities 434,583 98,414 47,652 83,647 68,841 96,559 39,471
Other real estate owned 6,259 943 1,579 1,254 925 1,193 365
Goodwill and other intangibles 13,927 4,608 1,161 2,210 1,790 2,662 1,496
All other assets 247,350 53,329 33,620 45,461 36,299 52,492 26,149
Total liabilities and capital 2,127,886 560,570 245,108 386,196 332,289 413,109 190,614
Deposits 1,748,379 444,474 203,701 320,072 273,677 347,661 158,794
Domestic office deposits 1,747,960 444,106 203,696 320,055 273,677 347,661 158,765
Foreign office deposits 420 368 6 17 0 0 29
Brokered deposits 72,978 25,559 7,236 12,285 11,135 10,623 6,140
Estimated insured deposits 1,319,947 325,024 156,112 256,799 216,446 255,390 110,175
Other borrowed funds 123,675 47,252 12,312 19,445 19,591 17,102 7,973
Subordinated debt 585 416 20 75 19 6 50
All other liabilities 16,295 5,529 1,684 2,876 1,958 2,533 1,715
Total equity capital (includes minority interests) 238,953 62,900 27,391 43,728 37,043 45,808 22,082
Bank equity capital 238,855 62,846 27,380 43,713 37,042 45,792 22,081
Loans and leases 30-89 days past due 9,059 2,230 1,119 1,504 1,591 2,112 502
Noncurrent loans and leases 15,962 5,613 2,049 2,842 1,741 2,810 908
Restructured loans and leases 8,926 2,505 1,303 2,337 1,015 1,063 702
Mortgage-backed securities 185,170 54,903 20,592 32,500 22,524 35,781 18,869
Earning assets 1,979,545 524,303 225,882 358,703 310,322 382,333 178,001
FHLB Advances 95,105 39,328 9,798 13,731 14,299 13,248 4,701
Unused loan commitments 278,354 72,135 29,679 51,091 46,880 50,342 28,227
Trust assets 260,121 57,337 9,663 64,400 77,274 41,583 9,864
Assets securitized and sold 16,363 3,367 517 5,974 784 615 5,106
Notional amount of derivatives 61,850 21,377 7,303 10,962 9,224 7,706 5,278
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $19,725 $4,993 $2,323 $3,490 $3,134 $4,005 $1,781
Total interest expense 2,245 729 263 388 361 373 132
Net interest income 17,480 4,264 2,060 3,102 2,773 3,632 1,649
Provision for loan and lease losses 620 169 58 79 96 178 40
Total noninterest income 4,694 921 560 1,148 690 925 450
Total noninterest expense 14,982 3,516 1,874 2,902 2,257 3,035 1,397
Securities gains (losses) 180 47 21 26 26 35 24
Applicable income taxes 1,586 499 197 296 195 189 209
Extraordinary gains, net 1 2 0 0 -1 -1 0
Total net income (includes minority interests) 5,166 1,051 512 999 939 1,189 476
Bank net income 5,162 1,049 511 997 939 1,188 476
Net charge-offs 349 95 36 63 49 93 13
Cash dividends 2,536 289 206 696 597 523 224
Retained earnings 2,626 760 305 301 342 665 252
Net operating income 5,023 1,014 496 976 918 1,159 460
* See Table V-A for explanations.

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

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