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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) 2nd Quarter
2017
1st Quarter
2017
2nd Quarter
2016
% Change
16Q2-17Q2
Number of institutions reporting 5,338 5,338 5,337 0.0
Total employees (full-time equivalent) 425,211 420,810 415,896 2.2
CONDITION DATA
Total assets $2,206,085 $2,177,383 $2,079,998 6.1
Loans secured by real estate 1,185,656 1,158,115 1,094,946 8.3
1-4 Family residential mortgages 396,626 388,661 379,906 4.4
Nonfarm nonresidential 453,481 441,405 409,331 10.8
Construction and development 102,423 100,210 91,961 11.4
Home equity lines 49,594 48,832 47,895 3.5
Commercial & industrial loans 206,239 200,012 191,555 7.7
Loans to individuals 60,779 59,437 57,695 5.3
Credit cards 1,988 2,037 2,023 -1.7
Farm loans 51,396 48,196 50,691 1.4
Other loans & leases 40,266 37,545 38,338 5.0
Less: Unearned income 695 655 615 13.0
Total loans & leases 1,543,641 1,502,651 1,432,611 7.8
Less: Reserve for losses 18,329 18,195 17,928 2.2
Net loans and leases 1,525,311 1,484,456 1,414,682 7.8
Securities 423,937 426,548 416,691 1.7
Other real estate owned 4,450 4,740 5,643 -21.1
Goodwill and other intangibles 14,428 14,244 13,387 7.8
All other assets 237,958 247,396 229,596 3.6
Total liabilities and capital 2,206,085 2,177,383 2,079,998 6.1
Deposits 1,802,215 1,791,983 1,694,393 6.4
Domestic office deposits 1,801,449 1,791,502 1,693,984 6.3
Foreign office deposits 766 481 409 87.2
Brokered deposits 86,788 82,831 72,890 19.1
Estimated insured deposits 1,338,364 1,331,621 1,277,089 4.8
Other borrowed funds 139,051 126,401 132,107 5.3
Subordinated debt 759 767 772 -1.7
All other liabilities 15,853 16,033 16,669 -4.9
Total equity capital (includes minority interests) 248,207 242,199 236,056 5.1
Bank equity capital 248,080 242,074 235,955 5.1
Loans and leases 30-89 days past due 6,594 7,941 7,796 -15.4
Noncurrent loans and leases 14,448 14,519 15,222 -5.1
Restructured loans and leases 7,474 7,690 8,544 -12.5
Mortgage-backed securities 181,013 183,090 178,720 1.3
Earning assets 2,056,178 2,029,364 1,935,932 6.2
FHLB Advances 112,682 100,657 103,959 8.4
Unused loan commitments 290,441 286,469 267,184 8.7
Trust assets 259,882 256,270 240,794 7.9
Assets securitized and sold 21,606 21,403 14,043 53.9
Notional amount of derivatives 70,034 62,300 65,551 6.8
INCOME DATA First-Half
2017
First-Half
2016
% Change 2nd Quarter
2017
2nd Quarter
2016
% Change
16Q2-17Q2
Total interest income $41,139 $37,840 8.7 $20,998 $19,134 9.7
Total interest expense 4,952 4,367 13.4 2,576 2,214 16.3
Net interest income 36,187 33,472 8.1 18,422 16,920 8.9
Provision for loan and lease losses 1,544 1,312 17.7 896 711 26.0
Total noninterest income 9,513 9,244 2.9 4,845 4,847 0.0
Total noninterest expense 29,768 28,462 4.6 15,033 14,416 4.3
Securities gains (losses) 227 391 -41.9 102 220 -53.7
Applicable income taxes 3,440 3,148 9.3 1,742 1,615 7.9
Extraordinary gains, net* -1 2 N/M -7 0 N/M
Total net income (includes minority interests) 11,175 10,188 9.7 5,691 5,246 8.5
Bank net income 11,163 10,178 9.7 5,684 5,240 8.5
Net charge-offs 1,087 784 38.7 709 460 54.1
Cash dividends 5,051 4,880 3.5 2,491 2,471 0.8
Retained earnings 6,112 5,298 15.4 3,193 2,768 15.4
Net operating income 11,006 9,878 11.4 5,615 5,073 10.7
* See Notes to Users for explanation.
N/M- Not Meaningful

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