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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

Table III-B. Aggregate Condition and Income Data by Geographic Region, FDIC-Insured Community Banks
4th Quarter 2017
(dollar figures in millions) All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 5,227 601 612 1,145 1,385 1,155 329
Total employees (full-time equivalent) 416,241 84,520 50,547 87,273 70,118 91,106 32,677
CONDITION DATA
Total assets $2,201,554 $591,514 $244,508 $397,108 $347,914 $421,398 $199,112
Loans secured by real estate 1,194,926 370,514 135,461 206,799 167,600 206,741 107,811
1-4 Family residential mortgages 395,464 136,456 42,294 71,782 51,459 66,374 27,099
Nonfarm nonresidential 456,967 130,805 59,122 75,445 55,902 84,394 51,299
Construction and development 106,817 23,955 15,469 14,951 14,636 28,940 8,868
Home equity lines 49,748 16,336 7,544 10,970 5,157 4,890 4,852
Commercial & industrial loans 204,968 49,481 20,655 39,699 34,958 41,532 18,643
Loans to individuals 61,823 14,534 7,068 12,192 10,407 13,071 4,551
Credit cards 2,039 443 159 400 581 238 219
Farm loans 51,657 588 1,202 8,699 28,825 9,535 2,807
Other loans & leases 38,879 11,300 3,452 7,246 5,983 7,531 3,366
Less: Unearned income 699 168 105 54 93 135 143
Total loans & leases 1,551,555 446,249 167,732 274,582 247,681 278,276 137,034
Less: Reserve for losses 18,063 4,521 1,911 3,206 3,251 3,430 1,746
Net loans and leases 1,533,492 441,728 165,822 271,376 244,430 274,847 135,289
Securities 408,789 93,090 45,009 79,775 64,468 90,426 36,021
Other real estate owned 3,913 659 901 696 641 797 219
Goodwill and other intangibles 13,526 4,023 1,415 2,550 1,973 2,544 1,021
All other assets 241,834 52,013 31,362 42,710 36,402 52,785 26,563
Total liabilities and capital 2,201,554 591,514 244,508 397,108 347,914 421,398 199,112
Deposits 1,804,513 466,986 202,840 327,685 287,239 353,802 165,962
Domestic office deposits 1,804,024 466,541 202,840 327,667 287,239 353,802 165,935
Foreign office deposits 490 444 0 18 0 0 27
Brokered deposits 90,705 28,785 7,922 16,352 14,934 12,537 10,175
Estimated insured deposits 1,328,226 333,711 149,364 257,592 223,752 253,514 110,293
Other borrowed funds 135,316 52,012 13,023 22,232 20,203 18,667 9,179
Subordinated debt 865 485 257 46 10 52 15
All other liabilities 15,850 5,493 1,649 2,764 1,875 2,394 1,675
Total equity capital (includes minority interests) 245,009 66,539 26,738 44,380 38,587 46,484 22,280
Bank equity capital 244,885 66,471 26,724 44,363 38,586 46,462 22,280
Loans and leases 30-89 days past due 8,381 2,163 1,072 1,501 1,237 1,989 419
Noncurrent loans and leases 13,254 4,419 1,459 2,369 1,782 2,517 709
Restructured loans and leases 7,016 2,116 886 1,610 983 991 431
Mortgage-backed securities 173,569 52,395 19,069 30,472 20,750 33,466 17,417
Earning assets 2,052,647 555,666 226,004 369,346 324,002 390,677 186,953
FHLB Advances 111,168 46,132 11,114 17,030 15,237 14,824 6,831
Unused loan commitments 291,083 76,059 30,265 54,208 49,447 51,130 29,974
Trust assets 331,438 75,609 12,636 85,523 97,099 50,845 9,726
Assets securitized and sold 24,080 8,821 76 8,007 2,541 777 3,857
Notional amount of derivatives 66,662 27,427 7,422 13,889 6,917 8,350 2,657
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $21,470 $5,537 $2,423 $3,805 $3,428 $4,264 $2,013
Total interest expense 2,850 915 298 491 462 484 199
Net interest income 18,621 4,622 2,125 3,313 2,966 3,780 1,814
Provision for loan and lease losses 823 301 57 115 131 175 44
Total noninterest income 4,779 1,020 528 1,238 724 930 340
Total noninterest expense 15,428 3,741 1,861 2,962 2,398 3,106 1,360
Securities gains (losses) 26 47 -2 -8 -7 0 -4
Applicable income taxes 3,050 997 452 498 301 401 401
Extraordinary gains, net** -2 0 -3 0 0 0 0
Total net income (includes minority interests) 4,122 650 278 968 853 1,028 346
Bank net income 4,117 648 277 967 853 1,027 346
Net charge-offs 814 244 73 151 140 185 21
Cash dividends 2,976 326 307 760 587 799 197
Retained earnings 1,141 322 -30 207 265 228 149
Net operating income 4,101 611 281 975 857 1,029 348

* See Table V-A for explanation.

** See Notes to Users for explanation.

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