FDIC Quarterly Banking Profile
| Table II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks | ||||
| (dollar figures in millions) |
3rd Quarter 2016 |
2nd Quarter 2016 |
3rd Quarter 2015 |
% Change 15Q3-16Q3 |
|---|---|---|---|---|
| Number of institutions reporting | 5,521 | 5,602 | 5,812 | -5.0 |
| Total employees (full-time equivalent) | 428,552 | 436,809 | 439,199 | -2.4 |
| CONDITION DATA | ||||
| Total assets | $2,151,502 | $2,146,404 | $2,095,630 | 2.7 |
| Loans secured by real estate | 1,137,164 | 1,125,963 | 1,076,089 | 5.7 |
| 1-4 Family residential mortgages | 386,432 | 382,052 | 373,802 | 3.4 |
| Nonfarm nonresidential | 432,201 | 430,740 | 412,074 | 4.9 |
| Construction and development | 98,887 | 97,571 | 90,293 | 9.5 |
| Home equity lines | 50,518 | 50,658 | 50,093 | 0.8 |
| Commercial & industrial loans | 199,419 | 201,650 | 192,896 | 3.4 |
| Loans to individuals | 58,846 | 60,814 | 59,917 | -1.8 |
| Credit cards | 1,859 | 2,119 | 2,191 | -15.2 |
| Farm loans | 52,470 | 51,271 | 50,563 | 3.8 |
| Other loans & leases | 40,068 | 39,392 | 35,493 | 12.9 |
| Less: Unearned income | 641 | 633 | 588 | 9.0 |
| Total loans & leases | 1,487,326 | 1,478,457 | 1,414,369 | 5.2 |
| Less: Reserve for losses | 18,238 | 18,587 | 18,658 | -2.2 |
| Net loans and leases | 1,469,088 | 1,459,871 | 1,395,711 | 5.3 |
| Securities | 417,992 | 427,800 | 438,108 | -4.6 |
| Other real estate owned | 5,326 | 5,843 | 7,235 | -26.4 |
| Goodwill and other intangibles | 14,206 | 14,277 | 13,741 | 3.4 |
| All other assets | 244,890 | 238,613 | 240,836 | 1.7 |
| Total liabilities and capital | 2,151,502 | 2,146,404 | 2,095,630 | 2.7 |
| Deposits | 1,762,652 | 1,752,764 | 1,717,380 | 2.6 |
| Domestic office deposits | 1,762,431 | 1,752,355 | 1,716,994 | 2.6 |
| Foreign office deposits | 221 | 409 | 385 | -42.7 |
| Brokered deposits | 76,553 | 75,307 | 69,913 | 9.5 |
| Estimated insured deposits | 1,316,400 | 1,318,279 | 1,305,972 | 0.8 |
| Other borrowed funds | 127,685 | 132,254 | 125,040 | 2.1 |
| Subordinated debt | 802 | 831 | 455 | 76.1 |
| All other liabilities | 17,543 | 17,260 | 16,805 | 4.4 |
| Total equity capital (includes minority interests) | 242,820 | 243,295 | 235,950 | 2.9 |
| Bank equity capital | 242,708 | 243,193 | 235,831 | 2.9 |
| Loans and leases 30-89 days past due | 7,547 | 7,886 | 8,204 | -8.0 |
| Noncurrent loans and leases | 14,755 | 15,672 | 16,530 | -10.7 |
| Restructured loans and leases | 8,311 | 8,803 | 9,685 | -14.2 |
| Mortgage-backed securities | 178,728 | 183,316 | 184,594 | -3.2 |
| Earning assets | 2,001,297 | 1,995,831 | 1,945,723 | 2.9 |
| FHLB Advances | 100,344 | 103,873 | 93,863 | 6.9 |
| Unused loan commitments | 279,899 | 281,156 | 286,517 | -2.3 |
| Trust assets | 254,155 | 261,048 | 241,989 | 5.0 |
| Assets securitized and sold | 13,056 | 16,616 | 15,357 | -15.0 |
| Notional amount of derivatives | 74,052 | 70,957 | 53,239 | 39.1 |
| INCOME DATA |
First Three Quarters 2016 |
First Three Quarters 2015 |
% Change |
3rd Quarter 2016 |
3rd Quarter 2015 |
% Change 15Q3-16Q3 |
|---|---|---|---|---|---|---|
| Total interest income | $58,733 | $57,453 | 2.2 | $20,045 | $19,658 | 2.0 |
| Total interest expense | 6,734 | 6,528 | 3.2 | 2,314 | 2,208 | 4.8 |
| Net interest income | 52,000 | 50,925 | 2.1 | 17,731 | 17,450 | 1.6 |
| Provision for loan and lease losses | 2,031 | 1,684 | 20.6 | 718 | 560 | 28.2 |
| Total noninterest income | 14,885 | 14,621 | 1.8 | 5,303 | 4,953 | 7.1 |
| Total noninterest expense | 44,437 | 44,623 | -0.4 | 15,150 | 15,157 | 0.0 |
| Securities gains (losses) | 601 | 453 | 32.6 | 189 | 100 | 89.6 |
| Applicable income taxes | 4,937 | 4,473 | 10.4 | 1,721 | 1,592 | 8.1 |
| Extraordinary gains, net* | 0 | 24 | -98.5 | -2 | 1 | N/M |
| Total net income (includes minority interests) | 16,081 | 15,243 | 5.5 | 5,632 | 5,195 | 8.4 |
| Bank net income | 16,063 | 15,219 | 5.5 | 5,625 | 5,188 | 8.4 |
| Net charge-offs | 1,328 | 1,301 | 2.0 | 564 | 478 | 18.0 |
| Cash dividends | 7,151 | 6,888 | 3.8 | 2,151 | 2,209 | -2.6 |
| Retained earnings | 8,912 | 8,331 | 7.0 | 3,473 | 2,979 | 16.6 |
| Net operating income | 15,605 | 14,867 | 5.0 | 5,483 | 5,119 | 7.1 |
| * See Notes to Users (page 30) for explanation | ||||||