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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

Last Updated 11/30/2018
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