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Federal Deposit
Insurance Corporation

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

Quarterly Banking Profile

Table II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks
Prior Periods Adjusted for Mergers
(dollar figures in millions) 3rd Quarter
2016
2nd Quarter
2016
3rd Quarter
2015
% Change
15Q3-16Q3
Number of institutions reporting 5,521 5,521 5,521 0.0
Total employees (full-time equivalent) 428,552 427,671 415,967 3.0
CONDITION DATA
Total assets $2,151,502 $2,114,039 $2,017,745 6.6
Loans secured by real estate 1,137,164 1,112,496 1,036,927 9.7
1-4 Family residential mortgages 386,432 380,179 364,014 6.2
Nonfarm nonresidential 432,201 422,489 392,217 10.2
Construction and development 98,887 95,443 85,630 15.5
Home equity lines 50,518 49,756 47,702 5.9
Commercial & industrial loans 199,419 196,970 183,509 8.7
Loans to individuals 58,846 57,636 55,824 5.4
Credit cards 1,859 1,822 1,871 -0.6
Farm loans 52,470 51,042 50,179 4.6
Other loans & leases 40,068 38,707 33,866 18.3
Less: Unearned income 641 631 594 8.0
Total loans & leases 1,487,326 1,456,220 1,359,712 9.4
Less: Reserve for losses 18,238 18,162 17,829 2.3
Net loans and leases 1,469,088 1,438,058 1,341,883 9.5
Securities 417,992 422,415 424,970 -1.6
Other real estate owned 5,326 5,659 6,842 -22.2
Goodwill and other intangibles 14,206 13,873 13,126 8.2
All other assets 244,890 234,034 230,925 6.0
Total liabilities and capital 2,151,502 2,114,039 2,017,745 6.6
Deposits 1,762,652 1,726,676 1,653,632 6.6
Domestic office deposits 1,762,431 1,726,458 1,653,433 6.6
Foreign office deposits 221 217 198 11.3
Brokered deposits 76,553 72,922 65,109 17.6
Estimated insured deposits 1,316,400 1,297,992 1,256,923 4.7
Other borrowed funds 127,685 130,651 120,650 5.8
Subordinated debt 802 782 430 86.5
All other liabilities 17,543 16,968 16,095 9.0
Total equity capital (includes minority interests) 242,820 238,963 226,938 7.0
Bank equity capital 242,708 238,850 226,815 7.0
Loans and leases 30-89 days past due 7,547 7,611 7,761 -2.8
Noncurrent loans and leases 14,755 14,843 15,389 -4.1
Restructured loans and leases 8,311 8,311 8,952 -7.2
Mortgage-backed securities 178,728 180,075 176,812 1.1
Earning assets 2,001,297 1,966,804 1,874,230 6.8
FHLB Advances 100,344 103,185 91,054 10.2
Unused loan commitments 279,899 274,875 273,655 2.3
Trust assets 254,155 249,092 231,366 9.8
Assets securitized and sold 13,056 12,707 11,662 11.9
Notional amount of derivatives 74,052 69,347 49,787 48.7
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 $54,481 7.8 $20,045 $18,640 7.5
Total interest expense 6,734 6,195 8.7 2,314 2,094 10.5
Net interest income 52,000 48,287 7.7 17,731 16,545 7.2
Provision for loan and lease losses 2,031 1,510 34.5 718 530 35.5
Total noninterest income 14,885 13,852 7.5 5,303 4,690 13.1
Total noninterest expense 44,437 41,986 5.8 15,150 14,240 6.4
Securities gains (losses) 601 449 33.7 189 95 99.2
Applicable income taxes 4,937 4,388 12.5 1,721 1,522 13.1
Extraordinary gains, net* 0 2 N/M -2 1 N/M
Total net income (includes minority interests) 16,081 14,706 9.4 5,632 5,039 11.8
Bank net income 16,063 14,684 9.4 5,625 5,032 11.8
Net charge-offs 1,328 1,104 20.3 564 421 34.1
Cash dividends 7,151 6,704 6.7 2,151 2,149 0.1
Retained earnings 8,912 7,980 11.7 3,473 2,883 20.5
Net operating income 15,605 14,354 8.7 5,483 4,963 10.5
* See Notes to Users (page 30) for explanation.

Last Updated 11/29/2016 Questions, Suggestions & Requests

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