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Federal Deposit
Insurance Corporation

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

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.

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

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