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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
2nd Quarter 2017
(dollar figures in millions) All
Community Banks
New
York
Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 5,338 619 630 1,164 1,408 1,174 343
Total employees (full-time equivalent) 425,211 88,308 50,104 88,327 71,255 93,277 33,940
CONDITION DATA
Total assets $2,206,085 $612,339 $234,164 $395,550 $342,128 $425,021 $196,883
Loans secured by real estate 1,185,656 376,869 129,737 203,961 163,691 205,487 105,910
1-4 Family residential mortgages 396,626 139,985 41,418 71,871 51,036 65,843 26,474
Nonfarm nonresidential 453,481 132,122 56,344 74,766 54,635 84,456 51,158
Construction and development 102,423 22,034 14,781 13,893 13,742 29,329 8,644
Home equity lines 49,594 16,990 7,011 11,011 5,036 4,743 4,803
Commercial & industrial loans 206,239 52,740 18,380 39,030 34,517 42,615 18,958
Loans to individuals 60,779 14,089 6,459 12,315 10,253 13,394 4,269
Credit cards 1,988 444 119 402 552 224 248
Farm loans 51,396 591 1,397 8,214 28,364 9,945 2,885
Other loans & leases 40,266 12,921 3,133 7,008 5,850 7,957 3,396
Less: Unearned income 695 175 107 57 86 137 132
Total loans & leases 1,543,641 457,035 158,999 270,470 242,589 279,262 135,286
Less: Reserve for losses 18,329 4,554 1,894 3,310 3,246 3,557 1,767
Net loans and leases 1,525,311 452,481 157,105 267,160 239,343 275,704 133,518
Securities 423,937 100,531 43,875 82,138 66,268 94,464 36,660
Other real estate owned 4,450 759 1,047 799 701 903 241
Goodwill and other intangibles 14,428 5,122 1,128 2,580 1,888 2,675 1,036
All other assets 237,958 53,447 31,009 42,872 33,928 51,275 25,427
Total liabilities and capital 2,206,085 612,339 234,164 395,550 342,128 425,021 196,883
Deposits 1,802,215 480,103 195,489 325,120 280,900 356,654 163,950
Domestic office deposits 1,801,449 479,700 195,170 325,104 280,900 356,654 163,922
Foreign office deposits 766 402 319 17 0 0 28
Brokered deposits 86,788 28,376 7,114 15,246 13,908 13,022 9,123
Estimated insured deposits 1,338,364 344,394 146,261 258,274 221,944 256,915 110,577
Other borrowed funds 139,051 56,640 11,094 22,990 20,979 18,542 8,806
Subordinated debt 759 657 7 46 22 13 15
All other liabilities 15,853 5,580 1,506 2,783 1,898 2,511 1,575
Total equity capital (includes minority interests) 248,207 69,360 26,069 44,610 38,329 47,301 22,537
Bank equity capital 248,080 69,289 26,054 44,593 38,328 47,280 22,537
Loans and leases 30-89 days past due 6,594 1,751 763 1,205 1,028 1,502 344
Noncurrent loans and leases 14,448 5,037 1,522 2,532 1,862 2,722 772
Restructured loans and leases 7,474 2,268 932 1,727 1,036 1,011 501
Mortgage-backed securities 181,013 56,904 18,597 31,306 21,443 35,225 17,539
Earning assets 2,056,178 573,455 216,324 368,017 319,364 394,346 184,673
FHLB Advances 112,682 49,061 9,136 17,786 15,422 14,793 6,485
Unused loan commitments 290,441 76,903 28,813 54,263 48,122 53,071 29,269
Trust assets 259,882 49,188 7,271 70,361 82,352 43,353 7,358
Assets securitized and sold 21,606 6,754 80 7,967 2,108 738 3,958
Notional amount of derivatives 70,034 28,220 6,994 12,667 8,660 9,945 3,547
INCOME DATA All
Community Banks
New
York
Atlanta Chicago Kansas
City
Dallas San
Francisco
Total interest income $20,998 $5,555 $2,283 $3,683 $3,334 $4,205 $1,937
Total interest expense 2,576 860 252 435 414 436 178
Net interest income 18,422 4,694 2,031 3,249 2,920 3,769 1,759
Provision for loan and lease losses 896 373 56 108 126 202 32
Total noninterest income 4,845 943 531 1,213 755 957 446
Total noninterest expense 15,033 3,672 1,746 2,875 2,326 3,064 1,348
Securities gains (losses) 102 52 6 11 12 17 3
Applicable income taxes 1,742 508 207 358 213 254 203
Extraordinary gains, net** -7 -5 0 0 0 0 -2
Total net income (includes minority interests) 5,691 1,131 558 1,132 1,022 1,223 624
Bank net income 5,684 1,129 557 1,130 1,022 1,221 624
Net charge-offs 709 360 33 62 78 149 26
Cash dividends 2,491 268 180 615 584 583 261
Retained earnings 3,193 861 377 515 438 639 364
Net operating income 5,615 1,096 554 1,122 1,012 1,208 623
* See Table V-A for explanation.
** See notes to users for explanation.

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