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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-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks
(dollar figures in millions) 4th Quarter
2017
3rd Quarter
2017
4th Quarter
2016
% Change
16Q4-17Q4
Number of institutions reporting 5,227 5,295 5,461 -4.3
Total employees (full-time equivalent) 416,241 422,859 431,061 -3.4
CONDITION DATA
Total assets $2,201,554 $2,226,349 $2,182,948 0.9
Loans secured by real estate 1,194,926 1,201,706 1,160,745 2.9
1-4 Family residential mortgages 395,464 399,703 389,906 1.4
Nonfarm nonresidential 456,967 458,397 445,339 2.6
Construction and development 106,817 104,868 101,907 4.8
Home equity lines 49,748 50,087 50,721 -1.9
Commercial & industrial loans 204,968 206,565 203,277 0.8
Loans to individuals 61,823 61,863 60,901 1.5
Credit cards 2,039 2,048 2,215 -8.0
Farm loans 51,657 52,685 50,717 1.9
Other loans & leases 38,879 39,620 39,697 -2.1
Less: Unearned income 699 687 660 5.9
Total loans & leases 1,551,555 1,561,752 1,514,678 2.4
Less: Reserve for losses 18,063 18,481 18,680 -3.3
Net loans and leases 1,533,492 1,543,272 1,495,998 2.5
Securities 408,789 420,143 422,963 -3.4
Other real estate owned 3,913 4,238 5,052 -22.6
Goodwill and other intangibles 13,526 14,370 14,407 -6.1
All other assets 241,834 244,326 244,528 -1.1
Total liabilities and capital 2,201,554 2,226,349 2,182,948 0.9
Deposits 1,804,513 1,819,074 1,793,683 0.6
Domestic office deposits 1,804,024 1,818,403 1,793,205 0.6
Foreign office deposits 490 671 478 2.4
Brokered deposits 90,705 90,019 81,074 11.9
Estimated insured deposits 1,328,226 1,343,869 1,329,677 -0.1
Other borrowed funds 135,316 137,752 131,754 2.7
Subordinated debt 865 1,007 806 7.4
All other liabilities 15,850 17,310 16,067 -1.4
Total equity capital (includes minority interests) 245,009 251,206 240,637 1.8
Bank equity capital 244,885 251,091 240,540 1.8
Loans and leases 30-89 days past due 8,381 7,688 8,661 -3.2
Noncurrent loans and leases 13,254 14,195 15,325 -13.5
Restructured loans and leases 7,016 7,356 8,291 -15.4
Mortgage-backed securities 173,569 179,559 181,023 -4.1
Earning assets 2,052,647 2,076,129 2,029,748 1.1
FHLB Advances 111,168 111,808 104,002 6.9
Unused loan commitments 291,083 293,301 284,791 2.2
Trust assets 331,438 282,638 294,187 12.7
Assets securitized and sold 24,080 21,762 14,704 63.8
Notional amount of derivatives 66,662 71,407 59,764 11.5
INCOME DATA Full Year
2017
Full Year
2016
% Change 4th Quarter
2017
4th Quarter
2016
% Change
16Q4-17Q4
Total interest income $82,231 $79,191 3.8 $21,470 $20,420 5.1
Total interest expense 10,322 9,133 13.0 2,850 2,369 20.3
Net interest income 71,909 70,058 2.6 18,621 18,052 3.2
Provision for loan and lease losses 3,111 3,266 -4.7 823 1,170 -29.7
Total noninterest income 18,699 19,939 -6.2 4,779 5,137 -7.0
Total noninterest expense 59,099 59,986 -1.5 15,428 15,664 -1.5
Securities gains (losses) 351 638 -45.0 26 50 -48.8
Applicable income taxes 8,161 6,566 24.3 3,050 1,650 84.9
Extraordinary gains, net* 2 -9 N/M -2 -9 N/M
Total net income (includes minority interests) 20,590 20,808 -1.0 4,122 4,746 -13.1
Bank net income 20,567 20,786 -1.1 4,117 4,741 -13.1
Net charge-offs 2,381 2,245 6.1 814 833 -2.3
Cash dividends 9,934 10,213 -2.7 2,976 3,052 -2.5
Retained earnings 10,633 10,572 0.6 1,141 1,689 -32.5
Net operating income 20,320 20,312 0.0 4,101 4,717 -13.0
* See Notes to Users for explanation N/M - Not Meaningful