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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks
(dollar figures in millions) 4th Quarter
2017
3rd Quarter
2017
4th Quarter
2016
% Change
16Q4-17Q4
Number of institutions reporting 4,918 4,970 5,112 -3.8
Total employees (full-time equivalent) 1,951,089 1,956,007 1,923,661 1.4
CONDITION DATA
Total assets $16,219,706 $16,057,485 $15,627,692 3.8
Loans secured by real estate 4,302,111 4,253,105 4,132,697 4.1
Commercial & industrial loans 1,942,068 1,918,068 1,868,070 4.0
Loans to individuals 1,527,551 1,459,500 1,448,236 5.5
Farm loans 77,403 76,847 76,656 1.0
Other loans & leases 1,159,552 1,138,462 1,080,154 7.4
Less: Unearned income 2,124 1,898 1,980 7.3
Total loans & leases 9,006,561 8,844,084 8,603,833 4.7
Less: Reserve for losses 112,657 112,591 111,707 0.9
Net loans and leases 8,893,904 8,731,493 8,492,126 4.7
Securities 3,273,436 3,269,128 3,225,057 1.5
Other real estate owned 7,903 8,493 10,267 -23.0
Goodwill and other intangibles 372,011 366,624 358,626 3.7
All other assets 3,672,452 3,681,747 3,541,617 3.7
Total liabilities and capital 16,219,706 16,057,484 15,627,692 3.8
Noninterest-bearing deposits 3,284,669 3,268,651 3,182,161 3.2
Interest-bearing deposits 9,183,512 9,021,504 8,800,151 4.4
Other borrowed funds 1,376,478 1,368,748 1,314,875 4.7
Subordinated debt 68,903 75,083 83,884 -17.9
All other liabilities 476,451 497,379 502,487 -5.2
Equity capital 1,829,693 1,826,120 1,744,133 4.9
Loans and leases 30-89 days past due 61,681 58,654 60,032 2.7
Noncurrent loans and leases 105,106 103,828 120,082 -12.5
Restructured loans and leases 56,946 58,174 62,044 -8.2
1-4 Family residential mortgages 2,209,313 2,189,265 2,155,923 2.5
Mortgage-backed securities 1,876,527 1,869,260 1,778,695 5.5
Earning assets 14,623,984 14,462,865 14,013,295 4.4
Long-term assets (5+ years) 4,300,513 4,273,407 4,119,786 4.4
Volatile liabilities 2,708,909 2,639,709 2,469,426 9.7
Foreign office deposits 1,317,611 1,299,350 1,247,379 5.6
FHLB Advances 481,844 487,115 481,941 0.0
Unused loan commitments 6,848,730 6,745,434 6,570,440 4.2
Off-balance-sheet derivatives 173,404,844 190,508,906 166,707,021 4.0
INCOME DATA Full Year
2017
Full Year
2016
% Change 4th Quarter
2017
4th Quarter
2016
% Change
16Q4-17Q4
Total interest income $524,438 $471,903 11.1 $137,960 $122,327 12.8
Total interest expense 66,859 48,669 37.4 19,307 12,892 49.8
Net interest income 457,579 423,233 8.1 118,654 109,435 8.4
Provision for loan and lease losses 44,312 42,950 3.2 11,761 11,048 6.5
Total noninterest income 236,153 232,747 1.5 57,737 57,753 0.0
Total noninterest expense 408,634 389,937 4.8 109,129 100,050 9.1
Securities gains (losses) 1,824 3,539 -48.5 -24 613 N/M
Applicable income taxes 90,007 68,990 30.5 32,378 16,813 92.6
Extraordinary gains, net -87 -323 N/M -222 -28 N/M
Net income 152,185 156,985 -3.1 22,809 39,765 -42.6
Net charge-offs 41,474 38,289 8.3 11,645 10,981 6.1
Cash dividends 113,360 95,746 18.4 28,800 27,166 6.0
Net operating income 151,309 155,160 -2.5 23,066 39,458 -41.5
N/M - Not meaningful

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