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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) 2nd Quarter
2017
1st Quarter
2017
2nd Quarter
2016
% Change
16Q2-17Q2
Number of institutions reporting 5,338 5,401 5,602 -4.7
Total employees (full-time equivalent) 425,211 428,825 436,815 -2.7
CONDITION DATA
Total assets $2,206,085 $2,215,289 $2,146,407 2.8
Loans secured by real estate 1,185,656 1,179,778 1,125,990 5.3
1-4 Family residential mortgages 396,626 394,860 382,059 3.8
Nonfarm nonresidential 453,481 451,642 430,748 5.3
Construction and development 102,423 102,463 97,586 5.0
Home equity lines 49,594 50,023 50,658 -2.1
Commercial & industrial loans 206,239 203,798 201,623 2.3
Loans to individuals 60,779 60,627 60,813 -0.1
Credit cards 1,988 2,110 2,119 -6.2
Farm loans 51,396 48,370 51,268 0.2
Other loans & leases 40,266 38,204 39,392 2.2
Less: Unearned income 695 665 633 9.8
Total loans & leases 1,543,641 1,530,112 1,478,454 4.4
Less: Reserve for losses 18,329 18,841 18,587 -1.4
Net loans and leases 1,525,311 1,511,271 1,459,867 4.5
Securities 423,937 432,396 427,803 -0.9
Other real estate owned 4,450 4,784 5,842 -23.8
Goodwill and other intangibles 14,428 14,719 14,279 1.0
All other assets 237,958 252,119 238,616 -0.3
Total liabilities and capital 2,206,085 2,215,289 2,146,407 2.8
Deposits 1,802,215 1,823,144 1,752,767 2.8
Domestic office deposits 1,801,449 1,822,693 1,752,358 2.8
Foreign office deposits 766 451 409 87.2
Brokered deposits 86,788 84,675 75,309 15.2
Estimated insured deposits 1,338,364 1,353,718 1,318,653 1.5
Other borrowed funds 139,051 129,364 132,253 5.1
Subordinated debt 759 767 831 -8.7
All other liabilities 15,853 16,286 17,264 -8.2
Total equity capital (includes minority interests) 248,207 245,728 243,292 2.0
Bank equity capital 248,080 245,603 243,191 2.0
Loans and leases 30-89 days past due 6,594 8,064 7,887 -16.4
Noncurrent loans and leases 14,448 15,276 15,668 -7.8
Restructured loans and leases 7,474 7,819 8,802 -15.1
Mortgage-backed securities 181,013 186,595 183,319 -1.3
Earning assets 2,056,178 2,064,412 1,995,848 3.0
FHLB Advances 112,682 102,227 103,873 8.5
Unused loan commitments 290,441 292,424 281,134 3.3
Trust assets 259,882 262,935 261,048 -0.4
Assets securitized and sold 21,606 21,403 16,570 30.4
Notional amount of derivatives 70,034 64,259 70,954 -1.3
INCOME DATA First-Half
2017
First-Half
2016
% Change 2nd Quarter
2017
2nd Quarter
2016
% Change
16Q2-17Q2
Total interest income $41,139 $39,524 4.1 $20,998 $19,986 5.1
Total interest expense 4,952 4,508 9.8 2,576 2,285 12.7
Net interest income 36,187 35,016 3.3 18,422 17,701 4.1
Provision for loan and lease losses 1,544 1,384 11.5 896 742 20.8
Total noninterest income 9,513 9,786 -2.8 4,845 5,141 -5.8
Total noninterest expense 29,768 30,020 -0.8 15,033 15,214 -1.2
Securities gains (losses) 227 416 -45.3 102 240 -57.5
Applicable income taxes 3,440 3,237 6.3 1,742 1,686 3.3
Extraordinary gains, net* -1 2 N/M -7 0 N/M
Total net income (includes minority interests) 11,175 10,579 5.6 5,691 5,438 4.7
Bank net income 11,163 10,568 5.6 5,684 5,432 4.6
Net charge-offs 1,087 825 31.8 709 471 50.6
Cash dividends 5,051 5,104 -1.0 2,491 2,587 -3.7
Retained earnings 6,112 5,464 11.9 3,193 2,845 12.2
Net operating income 11,006 10,249 7.4 5,615 5,251 6.9
* See Notes to Users for explanation.
N/M - Not Meaningful