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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-A. Aggregate Condition and Income Data, All FDIC-Insured Institutions
(dollar figures in millions) 1st Quarter
2017
4th Quarter
2016
1st Quarter
2016
% Change
16Q1-17Q1
Number of institutions reporting 5,856 5,913 6,122 -4.3
Total employees (full-time equivalent) 2,081,422 2,052,978 2,039,953 2.0
CONDITION DATA
Total assets $16,965,782 $16,779,669 $16,293,213 4.1
Loans secured by real estate 4,626,225 4,603,235 4,419,553 4.7
1-4 Family residential mortgages 1,984,788 1,995,023 1,918,198 3.5
Nonfarm nonresidential 1,346,589 1,324,054 1,251,625 7.6
Construction and development 319,160 312,998 284,876 12.0
Home equity lines 429,993 434,130 457,506 -6.0
Commercial & industrial loans 1,960,683 1,935,062 1,910,171 2.6
Loans to individuals 1,545,184 1,589,465 1,474,247 4.8
Credit cards 756,135 799,842 723,659 4.5
Farm loans 75,182 79,904 77,187 -2.6
Other loans & leases 1,091,936 1,099,795 1,060,008 3.0
Less: Unearned income 2,032 2,173 2,109 -3.6
Total loans & leases 9,297,177 9,305,287 8,939,057 4.0
Less: Reserve for losses 121,776 121,677 120,690 0.9
Net loans and leases 9,175,401 9,183,610 8,818,366 4.0
Securities 3,583,986 3,559,474 3,384,636 5.9
Other real estate owned 10,365 10,934 14,049 -26.2
Goodwill and other intangibles 370,337 369,230 359,027 3.2
All other assets 3,825,694 3,656,420 3,717,134 2.9
Total liabilities and capital 16,965,782 16,779,669 16,293,213 4.1
Deposits 13,083,796 12,894,716 12,429,480 5.3
Domestic office deposits 11,812,750 11,647,272 11,106,435 6.4
Foreign office deposits 1,271,046 1,247,444 1,323,045 -3.9
Other borrowed funds 1,416,072 1,413,305 1,379,951 2.6
Subordinated debt 79,764 83,904 91,743 -13.1
All other liabilities 489,237 518,523 552,006 -11.4
Total equity capital (includes minority interests) 1,896,913 1,869,221 1,840,032 3.1
Bank equity capital 1,891,686 1,863,056 1,833,632 3.2
Loans and leases 30-89 days past due 60,469 65,678 58,702 3.0
Noncurrent loans and leases 124,956 131,995 141,227 -11.5
Restructured loans and leases 64,064 65,503 71,083 -9.9
Mortgage-backed securities 2,034,470 2,004,983 1,895,559 7.3
Earning assets 15,325,907 15,103,324 14,641,461 4.7
FHLB Advances 522,490 563,263 481,204 8.6
Unused loan commitments 7,321,205 7,201,894 7,035,911 4.1
Trust assets 18,210,179 17,663,905 16,672,022 9.2
Assets securitized and sold 731,213 737,169 803,118 -9.0
Notional amount of derivatives 180,509,183 166,795,905 195,508,112 -7.7
INCOME DATA Full Year
2016
Full Year
2015
% Change 1st Quarter
2017
1st Quarter
2016
% Change
16Q1-17Q1
Total interest income $515,794 $478,506 7.8 $136,611 $125,246 9.1
Total interest expense 54,389 46,875 16.0 15,528 12,945 20.0
Net interest income 461,405 431,631 6.9 121,083 112,301 7.8
Provision for loan and lease losses 48,078 37,139 29.5 12,013 12,553 -4.3
Total noninterest income 252,612 253,311 -0.3 62,502 60,429 3.4
Total noninterest expense 422,189 417,025 1.2 109,223 104,690 4.3
Securities gains (losses) 3,790 3,635 4.2 550 940 -41.5
Applicable income taxes 76,047 70,534 7.8 18,834 17,330 8.7
Extraordinary gains, net* -323 -11 N/M -3 -9 N/M
Total net income (includes minority interests) 171,171 163,868 4.5 44,062 39,087 12.7
Bank net income 170,831 163,382 4.6 43,971 39,010 12.7
Net charge-offs 42,410 37,283 13.8 11,491 10,135 13.4
Cash dividends 102,759 104,529 -1.7 27,311 20,730 31.8
Retained earnings 68,071 58,853 15.7 16,660 18,281 -8.9
Net operating income 168,832 161,311 4.7 43,691 38,430 13.7

* See Notes to Users for explanation.

N/M - Not Meaningful

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