FDIC Quarterly Banking Profile
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Table II-B. Aggregate Condition and Income Data, FDIC-Insured Community Banks*
Prior Periods Adjusted for Mergers |
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| (dollar figures in millions) |
3rd Quarter 2017 |
2nd Quarter 2017 |
3rd Quarter 2016 |
% Change 16Q3-17Q3 |
|---|---|---|---|---|
| Number of institutions reporting | 5,294 | 5,292 | 5,291 | 0.1 |
| Total employees (full-time equivalent) | 421,808 | 422,101 | 413,664 | 2.0 |
| CONDITION DATA | ||||
| Total assets | $2,222,172 | $2,193,726 | $2,104,167 | 5.6 |
| Loans secured by real estate | 1,199,578 | 1,177,666 | 1,110,794 | 8.0 |
| 1-4 Family residential mortgages | 397,987 | 393,464 | 382,693 | 4.0 |
| Nonfarm nonresidential | 458,044 | 449,082 | 414,679 | 10.5 |
| Construction and development | 104,869 | 101,598 | 94,282 | 11.2 |
| Home equity lines | 50,077 | 49,411 | 48,416 | 3.4 |
| Commercial & industrial loans | 206,313 | 204,858 | 193,269 | 6.7 |
| Loans to individuals | 61,526 | 60,282 | 58,272 | 5.6 |
| Credit cards | 2,018 | 1,985 | 2,052 | -1.6 |
| Farm loans | 52,687 | 51,276 | 51,978 | 1.4 |
| Other loans & leases | 39,500 | 39,240 | 38,563 | 2.4 |
| Less: Unearned income | 687 | 689 | 622 | 10.5 |
| Total loans & leases | 1,558,917 | 1,532,633 | 1,452,255 | 7.3 |
| Less: Reserve for losses | 18,263 | 17,998 | 17,651 | 3.5 |
| Net loans and leases | 1,540,653 | 1,514,635 | 1,434,604 | 7.4 |
| Securities | 419,558 | 423,985 | 413,554 | 1.5 |
| Other real estate owned | 4,180 | 4,360 | 5,242 | -20.3 |
| Goodwill and other intangibles | 14,252 | 14,059 | 13,284 | 7.3 |
| All other assets | 243,529 | 236,687 | 237,484 | 2.5 |
| Total liabilities and capital | 2,222,172 | 2,193,726 | 2,104,167 | 5.6 |
| Deposits | 1,816,024 | 1,792,868 | 1,720,314 | 5.6 |
| Domestic office deposits | 1,815,353 | 1,792,102 | 1,719,903 | 5.5 |
| Foreign office deposits | 671 | 766 | 411 | 63.4 |
| Brokered deposits | 90,032 | 86,926 | 76,648 | 17.5 |
| Estimated insured deposits | 1,341,298 | 1,333,019 | 1,289,214 | 4.0 |
| Other borrowed funds | 137,673 | 138,657 | 128,310 | 7.3 |
| Subordinated debt | 1,007 | 759 | 793 | 27.0 |
| All other liabilities | 17,205 | 15,794 | 17,190 | 0.1 |
| Total equity capital (includes minority interests) | 250,264 | 245,648 | 237,559 | 5.3 |
| Bank equity capital | 250,148 | 245,528 | 237,465 | 5.3 |
| Loans and leases 30-89 days past due | 7,624 | 7,228 | 7,670 | -0.6 |
| Noncurrent loans and leases | 13,802 | 13,813 | 14,302 | -3.5 |
| Restructured loans and leases | 7,335 | 7,429 | 8,494 | -13.6 |
| Mortgage-backed securities | 179,461 | 181,156 | 177,625 | 1.0 |
| Earning assets | 2,072,394 | 2,045,015 | 1,958,305 | 5.8 |
| FHLB Advances | 111,799 | 112,800 | 101,037 | 10.7 |
| Unused loan commitments | 292,974 | 287,627 | 269,680 | 8.6 |
| Trust assets | 282,638 | 272,411 | 255,960 | 10.4 |
| Assets securitized and sold | 20,512 | 20,046 | 13,257 | 54.7 |
| Notional amount of derivatives | 70,774 | 68,309 | 68,654 | 3.1 |
| 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 | $56,850 | 9.6 | $21,573 | $19,389 | 11.3 |
| Total interest expense | 7,708 | 6,600 | 16.8 | 2,791 | 2,266 | 23.2 |
| Net interest income | 54,582 | 50,250 | 8.6 | 18,782 | 17,123 | 9.7 |
| Provision for loan and lease losses | 2,301 | 1,995 | 15.3 | 759 | 719 | 5.5 |
| Total noninterest income | 14,384 | 14,311 | 0.5 | 4,929 | 5,104 | -3.4 |
| Total noninterest expense | 44,710 | 42,801 | 4.5 | 15,198 | 14,566 | 4.3 |
| Securities gains (losses) | 333 | 575 | -42.0 | 105 | 186 | -43.7 |
| Applicable income taxes | 5,327 | 4,787 | 11.3 | 1,891 | 1,665 | 13.6 |
| Extraordinary gains, net** | 4 | 0 | N/M | 5 | -2 | N/M |
| Total net income (includes minority interests) | 16,966 | 15,553 | 9.1 | 5,973 | 5,461 | 9.4 |
| Bank net income | 16,947 | 15,536 | 9.1 | 5,967 | 5,454 | 9.4 |
| Net charge-offs | 1,540 | 1,359 | 13.4 | 455 | 587 | -22.5 |
| Cash dividends | 7,251 | 6,873 | 5.5 | 2,234 | 2,050 | 9.0 |
| Retained earnings | 9,697 | 8,663 | 11.9 | 3,733 | 3,404 | 9.7 |
| Net operating income | 16,711 | 15,096 | 10.7 | 5,889 | 5,313 | 10.8 |
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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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