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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-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
(dollar figures in millions) 3rd Quarter
2016
2nd Quarter
2016
3rd Quarter
2015
% Change
15Q3-16Q3
Number of institutions reporting 5,980 6,058 6,270 -4.6
Total employees (full-time equivalent) 2,043,480 2,045,253 2,038,490 0.2
CONDITION DATA
Total assets $16,766,607 $16,533,969 $15,800,126 6.1
Loans secured by real estate 4,567,120 4,505,544 4,307,104 6.0
1-4 Family residential mortgages 1,989,162 1,960,600 1,887,016 5.4
Nonfarm nonresidential 1,300,821 1,278,423 1,199,663 8.4
Construction and development 303,059 294,182 266,508 13.7
Home equity lines 444,314 452,284 471,539 -5.8
Commercial & industrial loans 1,943,253 1,931,328 1,802,669 7.8
Loans to individuals 1,544,468 1,515,158 1,453,203 6.3
Credit cards 761,645 745,935 714,790 6.6
Farm loans 80,626 79,098 79,322 1.6
Other loans & leases 1,099,689 1,092,061 1,001,937 9.8
Less: Unearned income 2,074 2,106 1,942 6.8
Total loans & leases 9,233,082 9,121,083 8,642,293 6.8
Less: Reserve for losses 122,060 121,688 118,555 3.0
Net loans and leases 9,111,022 8,999,395 8,523,738 6.9
Securities 3,507,440 3,420,654 3,303,909 6.2
Other real estate owned 11,780 13,154 16,116 -26.9
Goodwill and other intangibles 363,524 359,616 356,957 1.8
All other assets 3,772,840 3,741,149 3,599,405 4.8
Total liabilities and capital 16,766,607 16,533,969 15,800,126 6.1
Deposits 12,798,778 12,528,029 11,990,433 6.7
Domestic office deposits 11,460,771 11,201,186 10,649,101 7.6
Foreign office deposits 1,338,006 1,326,842 1,341,332 -0.3
Other borrowed funds 1,445,272 1,457,654 1,382,905 4.5
Subordinated debt 87,037 88,573 92,163 -5.6
All other liabilities 548,753 589,165 537,540 2.1
Total equity capital (includes minority interests) 1,886,768 1,870,549 1,797,085 5.0
Bank equity capital 1,880,557 1,864,212 1,790,365 5.0
Loans and leases 30-89 days past due 60,077 58,088 61,158 -1.8
Noncurrent loans and leases 134,004 136,377 139,166 -3.7
Restructured loans and leases 67,837 69,620 74,260 -8.7
Mortgage-backed securities 1,979,611 1,924,271 1,818,702 8.9
Earning assets 15,113,755 14,833,251 14,169,622 6.7
FHLB Advances 541,841 545,673 455,479 19.0
Unused loan commitments 7,187,893 7,072,007 6,857,469 4.8
Trust assets 17,873,054 17,381,042 16,865,181 6.0
Assets securitized and sold 763,246 785,857 846,005 -9.8
Notional amount of derivatives 179,902,250 192,350,486 195,399,913 -7.9
INCOME DATA First Three
Quarters
2016
First Three
Quarters
2015
% Change 3rd Quarter
2016
3rd Quarter
2015
% Change
15Q3-16Q3
Total interest income $382,654 $356,355 7.4 $132,537 $120,285 10.2
Total interest expense 39,785 34,683 14.7 13,771 11,545 19.3
Net interest income 342,869 321,672 6.6 118,766 108,740 9.2
Provision for loan and lease losses 35,638 24,958 42.8 11,400 8,505 34.0
Total noninterest income 190,287 190,570 -0.2 64,498 63,289 1.9
Total noninterest expense 314,742 312,522 0.7 106,656 105,560 1.0
Securities gains (losses) 3,165 2,895 9.3 870 838 3.9
Applicable income taxes 57,647 54,356 6.1 20,344 18,282 11.3
Extraordinary gains, net* -281 48 N/M -75 -28 N/M
Total net income (includes minority interests) 128,013 123,348 3.8 45,659 40,492 12.8
Bank net income 127,772 122,941 3.9 45,593 40,382 12.9
Net charge-offs 30,321 26,560 14.2 10,145 8,678 16.9
Cash dividends 74,179 77,304 -4.0 30,542 25,783 18.5
Retained earnings 53,593 45,637 17.5 15,051 14,600 3.1
Net operating income 126,069 121,283 4.0 45,117 39,951 13.0

* See Notes to Users (page 30) for explanation

N/M - Not Meaningful

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