FDIC Quarterly Banking Profile
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Table II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks
Prior Periods Adjusted for Mergers |
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| (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. | ||||||