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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*
3rd Quarter 2017
(dollar figures in millions) All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Number of institutions reporting 5,294 612 624 1,152 1,396 1,170 340
Total employees (full-time equivalent) 421,808 85,666 51,313 86,893 70,779 93,178 33,979
CONDITION DATA
Total assets $2,222,172 $612,024 $245,231 $393,039 $344,273 $428,010 $199,596
Loans secured by real estate 1,199,578 378,074 135,601 204,290 166,248 208,291 107,073
1-4 Family residential mortgages 397,987 138,995 42,560 71,757 51,393 66,604 26,677
Nonfarm nonresidential 458,044 132,355 59,091 74,238 55,538 85,425 51,396
Construction and development 104,869 22,487 15,354 14,368 14,268 29,401 8,991
Home equity lines 50,077 16,710 7,592 10,949 5,139 4,823 4,863
Commercial & industrial loans 206,313 52,309 20,284 38,628 34,498 41,834 18,761
Loans to individuals 61,526 14,082 6,938 12,260 10,419 13,384 4,443
Credit cards 2,018 409 154 395 565 228 266
Farm loans 52,687 588 1,473 8,377 28,741 10,475 3,034
Other loans & leases 39,500 12,354 3,305 6,849 5,858 7,849 3,285
Less: Unearned income 687 168 105 55 87 132 140
Total loans & leases 1,558,917 457,239 167,496 270,348 245,677 281,701 136,455
Less: Reserve for losses 18,263 4,431 1,972 3,274 3,300 3,529 1,757
Net loans and leases 1,540,653 452,808 165,524 267,075 242,377 278,172 134,698
Securities 419,558 99,801 45,402 80,240 65,144 92,264 36,707
Other real estate owned 4,180 685 996 756 654 863 227
Goodwill and other intangibles 14,252 4,758 1,345 2,532 1,885 2,667 1,065
All other assets 243,529 53,972 31,965 42,436 34,213 54,045 26,899
Total liabilities and capital 2,222,172 612,024 245,231 393,039 344,273 428,010 199,596
Deposits 1,816,024 481,959 203,540 323,866 282,010 358,035 166,615
Domestic office deposits 1,815,353 481,426 203,447 323,848 282,010 358,035 166,587
Foreign office deposits 671 533 93 17 0 0 28
Brokered deposits 90,032 29,082 8,103 15,910 14,767 13,010 9,161
Estimated insured deposits 1,341,298 342,965 151,628 256,142 221,752 257,900 110,911
Other borrowed funds 137,673 54,363 12,459 21,750 21,359 19,248 8,494
Subordinated debt 1,007 657 254 46 22 13 15
All other liabilities 17,205 6,010 1,745 2,857 2,039 2,796 1,759
Total equity capital (includes minority interests) 250,264 69,035 27,234 44,521 38,843 47,918 22,713
Bank equity capital 250,148 68,974 27,219 44,504 38,842 47,896 22,713
Loans and leases 30-89 days past due 7,624 1,970 951 1,383 1,098 1,864 357
Noncurrent loans and leases 13,802 4,401 1,542 2,515 1,956 2,655 732
Restructured loans and leases 7,335 2,278 912 1,667 993 1,004 482
Mortgage-backed securities 179,461 56,852 19,019 30,472 21,117 34,305 17,696
Earning assets 2,072,394 574,015 226,575 365,940 321,395 397,128 187,341
FHLB Advances 111,799 47,234 10,566 16,769 15,903 15,205 6,122
Unused loan commitments 292,974 76,949 30,169 54,080 48,768 52,814 30,194
Trust assets 282,638 65,920 9,092 71,226 84,454 44,336 7,611
Assets securitized and sold 20,512 5,286 77 8,006 2,283 761 4,099
Notional amount of derivatives 70,774 27,423 7,247 14,843 8,169 9,834 3,257
INCOME DATA All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Total interest income $21,573 $5,657 $2,410 $3,739 $3,431 $4,325 $2,012
Total interest expense 2,791 923 286 468 448 476 190
Net interest income 18,782 4,734 2,124 3,271 2,983 3,849 1,821
Provision for loan and lease losses 759 277 81 91 122 161 27
Total noninterest income 4,929 984 557 1,191 762 968 467
Total noninterest expense 15,198 3,698 1,830 2,881 2,347 3,069 1,372
Securities gains (losses) 105 37 9 13 15 20 10
Applicable income taxes 1,891 556 221 355 220 274 266
Extraordinary gains, net*** 5 6 0 0 0 0 -2
Total net income (includes minority interests) 5,973 1,231 558 1,148 1,070 1,334 632
Bank net income 5,967 1,229 556 1,147 1,070 1,332 632
Net charge-offs 455 113 58 79 65 131 10
Cash dividends 2,234 301 201 589 461 492 190
Retained earnings 3,733 929 355 558 609 839 442
Net operating income 5,889 1,199 552 1,137 1,059 1,317 625

* 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 Table V-A for explanation.

*** See notes to users for explanation.

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