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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) 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

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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