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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) 3rd Quarter
2017
2nd Quarter
2017
3rd Quarter
2016
% Change
16Q3-17Q3
Number of institutions reporting 5,294 5,338 5,522 -4.1
Total employees (full-time equivalent) 421,808 425,207 431,151 -2.2
CONDITION DATA
Total assets $2,222,172 $2,206,031 $2,163,575 2.7
Loans secured by real estate 1,199,578 1,185,782 1,143,175 4.9
1-4 Family residential mortgages 397,987 396,628 389,635 2.1
Nonfarm nonresidential 458,044 453,568 434,601 5.4
Construction and development 104,869 102,481 98,993 5.9
Home equity lines 50,077 49,595 50,538 -0.9
Commercial & industrial loans 206,313 206,082 200,388 3.0
Loans to individuals 61,526 60,780 60,314 2.0
Credit cards 2,018 1,988 2,141 -5.7
Farm loans 52,687 51,397 52,468 0.4
Other loans & leases 39,500 40,282 40,554 -2.6
Less: Unearned income 687 696 642 7.1
Total loans & leases 1,558,917 1,543,627 1,496,258 4.2
Less: Reserve for losses 18,263 18,327 18,443 -1.0
Net loans and leases 1,540,653 1,525,300 1,477,815 4.3
Securities 419,558 423,934 419,994 -0.1
Other real estate owned 4,180 4,448 5,466 -23.5
Goodwill and other intangibles 14,252 14,430 14,287 -0.2
All other assets 243,529 237,918 246,013 -1.0
Total liabilities and capital 2,222,172 2,206,031 2,163,575 2.7
Deposits 1,816,024 1,802,193 1,771,676 2.5
Domestic office deposits 1,815,353 1,801,427 1,771,266 2.5
Foreign office deposits 671 766 411 63.4
Brokered deposits 90,032 86,748 78,412 14.8
Estimated insured deposits 1,341,298 1,338,931 1,323,726 1.3
Other borrowed funds 137,673 139,051 128,667 7.0
Subordinated debt 1,007 759 802 25.5
All other liabilities 17,205 15,851 17,662 -2.6
Total equity capital (includes minority interests) 250,264 248,177 244,768 2.2
Bank equity capital 250,148 248,050 244,656 2.2
Loans and leases 30-89 days past due 7,624 7,304 7,802 -2.3
Noncurrent loans and leases 13,802 14,459 15,461 -10.7
Restructured loans and leases 7,335 7,456 8,667 -15.4
Mortgage-backed securities 179,461 181,021 179,987 -0.3
Earning assets 2,072,394 2,056,179 2,012,486 3.0
FHLB Advances 111,799 112,725 100,683 11.0
Unused loan commitments 292,974 290,472 281,245 4.2
Trust assets 282,638 259,882 253,776 11.4
Assets securitized and sold 20,512 21,279 14,435 42.1
Notional amount of derivatives 70,774 69,797 74,280 -4.7
INCOME DATA First
Three
Quarters
2017
First
Three
Quarters
2016
% Change 3rd Quarter
2017
3rd Quarter
2016
% Change
16Q3-17Q3
Total interest income $62,290 $59,175 5.3 $21,573 $20,188 6.9
Total interest expense 7,708 6,805 13.3 2,791 2,337 19.4
Net interest income 54,582 52,370 4.2 18,782 17,851 5.2
Provision for loan and lease losses 2,301 2,100 9.6 759 744 2.0
Total noninterest income 14,384 14,941 -3.7 4,929 5,321 -7.3
Total noninterest expense 44,710 44,712 0.0 15,198 15,239 -0.3
Securities gains (losses) 333 600 -44.5 105 195 -46.3
Applicable income taxes 5,327 4,960 7.4 1,891 1,730 9.3
Extraordinary gains, net** 4 0 N/M 5 -2 N/M
Total net income (includes minority interests) 16,966 16,140 5.1 5,973 5,652 5.7
Bank net income 16,947 16,123 5.1 5,967 5,645 5.7
Net charge-offs 1,540 1,418 8.6 455 608 -25.1
Cash dividends 7,251 7,217 0.5 2,234 2,187 2.1
Retained earnings 9,697 8,906 8.9 3,733 3,457 8.0
Net operating income 16,711 15,665 6.7 5,889 5,497 7.1

N/M - Not Meaningful

* Data for third quarter 2017 do not include one insured institution with $4.1 billion in assets, which had not reported at the time data were compiled.

** See notes to users for explanation.

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