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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
Prior Periods Adjusted for Mergers
(dollar figures in millions) 4th Quarter
2017
3rd Quarter
2017
4th Quarter
2016
% Change
16Q4-17Q4
Number of institutions reporting 5,227 5,226 5,223 0.1
Total employees (full-time equivalent) 416,241 414,148 408,694 1.8
CONDITION DATA
Total assets $2,201,554 $2,169,540 $2,081,691 5.8
Loans secured by real estate 1,194,926 1,173,256 1,105,085 8.1
1-4 Family residential mortgages 395,464 391,272 376,530 5.0
Nonfarm nonresidential 456,967 447,272 416,373 9.7
Construction and development 106,817 102,614 95,234 12.2
Home equity lines 49,748 49,322 48,015 3.6
Commercial & industrial loans 204,968 199,760 190,818 7.4
Loans to individuals 61,823 61,388 58,878 5.0
Credit cards 2,039 1,984 2,090 -2.5
Farm loans 51,657 52,576 50,184 2.9
Other loans & leases 38,879 37,642 36,240 7.3
Less: Unearned income 699 685 637 9.7
Total loans & leases 1,551,555 1,523,936 1,440,568 7.7
Less: Reserve for losses 18,063 18,139 17,579 2.8
Net loans and leases 1,533,492 1,505,798 1,422,989 7.8
Securities 408,789 407,132 407,484 0.3
Other real estate owned 3,913 4,175 4,859 -19.5
Goodwill and other intangibles 13,526 13,140 12,381 9.2
All other assets 241,834 239,295 233,979 3.4
Total liabilities and capital 2,201,554 2,169,540 2,081,691 5.8
Deposits 1,804,513 1,777,866 1,712,332 5.4
Domestic office deposits 1,804,024 1,777,288 1,711,869 5.4
Foreign office deposits 490 578 463 5.8
Brokered deposits 90,705 88,251 77,789 16.6
Estimated insured deposits 1,328,226 1,317,617 1,275,333 4.1
Other borrowed funds 135,316 129,915 124,304 8.9
Subordinated debt 865 822 612 41.4
All other liabilities 15,850 16,641 15,242 4.0
Total equity capital (includes minority interests) 245,009 244,296 229,201 6.9
Bank equity capital 244,885 244,180 229,123 6.9
Loans and leases 30-89 days past due 8,381 7,518 8,388 -0.1
Noncurrent loans and leases 13,254 13,865 14,267 -7.1
Restructured loans and leases 7,016 7,235 8,043 -12.8
Mortgage-backed securities 173,569 171,836 172,965 0.3
Earning assets 2,052,647 2,024,127 1,936,836 6.0
FHLB Advances 111,168 105,544 98,818 12.5
Unused loan commitments 291,083 287,056 268,814 8.3
Trust assets 331,438 280,154 295,170 12.3
Assets securitized and sold 24,080 21,762 14,704 63.8
Notional amount of derivatives 66,662 69,869 55,772 19.5
INCOME DATA Full Year
2017
Full Year
2016
% Change 4th Quarter
2017
4th Quarter
2016
% Change
16Q4-17Q4
Total interest income $82,231 $74,707 10.1 $21,470 $19,258 11.5
Total interest expense 10,322 8,640 19.5 2,850 2,236 27.4
Net interest income 71,909 66,067 8.8 18,621 17,022 9.4
Provision for loan and lease losses 3,111 2,859 8.8 823 852 -3.5
Total noninterest income 18,699 18,650 0.3 4,779 4,810 -0.6
Total noninterest expense 59,099 56,748 4.1 15,428 14,925 3.4
Securities gains (losses) 351 602 -41.7 26 48 -46.3
Applicable income taxes 8,161 5,872 39.0 3,050 1,289 136.6
Extraordinary gains, net* 2 -9 N/M -2 -9 N/M
Total net income (includes minority interests) 20,590 19,831 3.8 4,122 4,804 -14.2
Bank net income 20,567 19,809 3.8 4,117 4,799 -14.2
Net charge-offs 2,381 2,153 10.6 814 789 3.2
Cash dividends 9,934 9,382 5.9 2,976 2,792 6.6
Retained earnings 10,633 10,428 2.0 1,141 2,007 -43.1
Net operating income 20,320 19,362 5.0 4,101 4,776 -14.1
*See Notes to Users for explanation N/M - Not Meaningful

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