FDIC Quarterly Banking Profile

Table III-B. Aggregate Condition and Income Data by Geographic Region, FDIC-Insured Community Banks 3rd Quarter 2016
(dollar figures in millions)	All Community Banks	New York	Atlanta	Chicago	Kansas City	Dallas	San Francisco
Number of institutions reporting	5,521	637	670	1,215	1,443	1,198	358
Total employees (full-time equivalent)	428,552	83,305	52,955	90,740	70,732	93,653	37,167
CONDITION DATA
Total assets	$2,151,502	$559,692	$244,899	$393,094	$334,189	$414,892	$204,737
Loans secured by real estate	1,137,164	340,299	136,502	200,463	156,147	197,064	106,689
1-4 Family residential mortgages	386,432	127,164	44,696	71,703	50,077	64,223	28,570
Nonfarm nonresidential	432,201	119,691	58,302	72,699	51,186	80,108	50,215
Construction and development	98,887	19,741	15,503	13,462	13,073	28,393	8,713
Home equity lines	50,518	16,976	7,659	11,414	4,870	4,528	5,072
Commercial & industrial loans	199,419	49,182	18,929	37,224	33,120	41,839	19,126
Loans to individuals	58,846	11,692	6,053	12,126	10,161	13,664	5,150
Credit cards	1,859	172	129	422	538	298	300
Farm loans	52,470	549	1,418	8,364	28,764	10,357	3,018
Other loans & leases	40,068	12,068	3,157	7,072	5,724	8,383	3,663
Less: Unearned income	641	160	120	59	55	125	122
Total loans & leases	1,487,326	413,630	165,940	265,190	233,860	271,182	137,524
Less: Reserve for losses	18,238	4,232	2,061	3,400	3,163	3,539	1,843
Net loans and leases	1,469,088	409,398	163,879	261,790	230,697	267,643	135,681
Securities	417,992	92,925	46,133	82,544	65,640	91,679	39,071
Other real estate owned	5,326	707	1,378	1,015	828	1,075	322
Goodwill and other intangibles	14,206	4,657	1,188	2,392	1,824	2,677	1,467
All other assets	244,890	52,004	32,320	45,352	35,200	51,818	28,196
Total liabilities and capital	2,151,502	559,692	244,899	393,094	334,189	414,892	204,737
Deposits	1,762,652	446,704	202,453	324,081	272,528	345,980	170,905
Domestic office deposits	1,762,431	446,533	202,448	324,064	272,528	345,980	170,878
Foreign office deposits	221	171	5	17	0	0	28
Brokered deposits	76,553	24,217	7,116	13,495	12,054	11,477	8,194
Estimated insured deposits	1,316,400	320,315	152,442	258,083	215,013	252,720	117,828
Other borrowed funds	127,685	43,948	12,851	21,196	21,584	19,461	8,646
Subordinated debt	802	693	20	52	17	6	15
All other liabilities	17,543	5,798	1,867	3,144	2,158	2,783	1,793
Total equity capital (includes minority interests)	242,820	62,548	27,708	44,622	37,902	46,662	23,378
Bank equity capital	242,708	62,498	27,695	44,594	37,901	46,644	23,377
Loans and leases 30-89 days past due	7,547	1,767	932	1,457	1,152	1,838	400
Noncurrent loans and leases	14,755	4,416	1,773	2,806	1,872	3,008	881
Restructured loans and leases	8,311	2,172	1,217	2,090	1,032	1,154	646
Mortgage-backed securities	178,728	51,765	20,126	32,202	21,515	34,215	18,906
Earning assets	2,001,297	523,790	225,971	364,960	311,441	383,812	191,324
FHLB Advances	100,344	37,553	10,337	15,497	15,859	15,436	5,663
Unused loan commitments	279,899	71,717	30,345	51,656	46,292	50,327	29,563
Trust assets	254,155	46,854	10,311	68,007	76,262	42,451	10,271
Assets securitized and sold	13,056	2,106	75	5,937	828	633	3,477
Notional amount of derivatives	74,052	26,690	8,848	13,118	9,716	9,007	6,673

INCOME DATA	All Community Banks	New York	Atlanta	Chicago	Kansas City	Dallas	San Francisco
Total interest income	$20,045	$4,954	$2,337	$3,563	$3,203	$4,045	$1,943
Total interest expense	2,314	732	262	398	376	387	159
Net interest income	17,731	4,222	2,076	3,165	2,827	3,658	1,784
Provision for loan and lease losses	718	233	62	103	109	179	33
Total noninterest income	5,303	979	609	1,340	808	994	573
Total noninterest expense	15,150	3,451	1,882	2,994	2,322	3,052	1,450
Securities gains (losses)	189	52	21	25	38	39	13
Applicable income taxes	1,721	494	189	341	212	231	254
Extraordinary gains, net*	-2	0	0	0	0	-2	0
Total net income (includes minority interests)	5,632	1,075	572	1,092	1,031	1,227	634
Bank net income	5,625	1,074	570	1,090	1,031	1,226	634
Net charge-offs	564	244	53	85	57	123	2
Cash dividends	2,151	295	145	579	480	467	186
Retained earnings	3,473	779	426	511	551	758	448
Net operating income	5,483	1,036	556	1,071	999	1,196	625
* See Notes to Users (page 30) for explanation.

Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile