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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 Savings Institutions
(dollar figures in millions) 4th Quarter
2017
3rd Quarter
2017
4th Quarter
2016
% Change
16Q4-17Q4
Number of institutions reporting 752 768 801 -6.1
Total employees (full-time equivalent) 125,017 128,073 129,317 -3.3
CONDITION DATA
Total assets $1,196,556 $1,184,934 $1,151,906 3.9
Loans secured by real estate 471,457 477,367 470,546 0.2
1-4 Family Residential 265,611 270,097 273,266 -2.8
Multifamily residential property 75,368 77,729 74,358 1.4
Nonfarm nonresidential 107,924 107,779 102,708 5.1
Construction, development, and land 22,553 21,763 20,214 11.6
Commercial & industrial loans 71,358 70,829 66,928 6.6
Loans to individuals 150,413 143,114 141,229 6.5
Other loans & leases 21,430 21,712 22,631 -5.3
Less: Unearned income & contra accounts 167 160 195 -14.3
Total loans & leases 714,491 712,861 701,140 1.9
Less: Reserve for losses 11,083 10,913 9,976 11.1
Net loans & leases 703,409 701,949 691,165 1.8
Securities 358,388 346,153 334,714 7.1
Other real estate owned 547 607 666 -17.8
Goodwill and other intangibles 11,378 11,489 10,603 7.3
All other assets 122,834 124,736 114,758 7.0
Total liabilities and capital 1,196,556 1,184,934 1,151,906 3.9
Deposits 930,841 929,097 912,251 2.0
Other borrowed funds 119,556 105,413 98,578 21.3
Subordinated debt 26 27 20 29.2
All other liabilities 17,375 21,004 16,019 8.5
Equity capital 128,758 129,393 125,037 3.0
Loans and leases 30-89 days past due 5,914 5,429 5,660 4.5
Noncurrent loans and leases 11,279 11,009 11,931 -5.5
Restructured loans and leases 3,268 3,356 3,458 -5.5
Mortgage-backed securities 256,820 247,893 226,327 13.5
Earning assets 1,136,937 1,123,497 1,090,021 4.3
FHLB Advances 100,689 88,291 81,321 23.8
Unused loan commitments 668,079 662,471 630,287 6.0
INCOME DATA Full Year
2017
Full Year
2016
% Change 4th Quarter
2017
4th Quarter
2016
% Change
16Q4-17Q4
Total interest income $47,892 $43,891 9.1 $12,677 $11,361 11.6
Total interest expense 6,400 5,720 11.9 1,811 1,463 23.8
Net interest income 41,491 38,172 8.7 10,866 9,898 9.8
Provision for loan and lease losses 6,777 5,146 31.7 1,808 1,414 27.8
Total noninterest income 19,326 20,896 -7.5 4,920 5,106 -3.6
Total noninterest expense 34,122 33,282 2.5 8,825 8,549 3.2
Securities gains (losses) 306 247 23.6 48 19 153.0
Applicable income taxes 7,609 7,057 7.8 2,476 1,638 51.2
Extraordinary gains, net 0 0 0.0 0 0 0.0
Net income 12,608 13,825 -8.8 2,723 3,421 -20.4
Net charge-offs 5,308 4,132 28.5 1,516 1,133 33.8
Cash dividends 7,991 7,015 13.9 1,282 1,458 -12.1
Net operating income 12,395 13,653 -9.2 2,687 3,412 -21.3

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