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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) 4th Quarter
2018
3rd Quarter
2018
4th Quarter
2017
% Change
17Q4-18Q4
Number of institutions reporting 5,406 5,477 5,670 -4.7
Total employees (full-time equivalent) 2,067,086 2,070,617 2,076,128 -0.4
CONDITION DATA
Total assets $17,943,122 $17,672,762 $17,415,369 3.0
Loans secured by real estate 4,887,725 4,863,231 4,773,674 2.4
1-4 Family residential mortgages 2,119,417 2,112,267 2,063,773 2.7
Nonfarm nonresidential 1,445,522 1,427,072 1,391,187 3.9
Construction and development 349,890 350,886 338,318 3.4
Home equity lines 375,670 381,638 411,151 -8.6
Commercial & industrial loans 2,164,714 2,084,002 2,008,493 7.8
Loans to individuals 1,742,854 1,690,634 1,677,952 3.9
Credit cards 903,492 856,327 865,055 4.4
Farm loans 82,341 82,346 80,852 1.8
Other loans & leases 1,277,052 1,221,409 1,182,375 8.0
Less: Unearned income 2,383 2,330 2,291 4.0
Total loans & leases 10,152,303 9,939,291 9,721,055 4.4
Less: Reserve for losses 124,737 123,728 123,757 0.8
Net loans and leases 10,027,566 9,815,563 9,597,298 4.5
Securities 3,723,058 3,630,099 3,631,821 2.5
Other real estate owned 6,691 7,187 8,457 -20.9
Goodwill and other intangibles 398,737 397,117 383,388 4.0
All other assets 3,787,070 3,822,797 3,794,405 -0.2
Total liabilities and capital 17,943,122 17,672,762 17,415,369 3.0
Deposits 13,866,258 13,573,675 13,399,208 3.5
Domestic office deposits 12,612,933 12,321,839 12,081,457 4.4
Foreign office deposits 1,253,325 1,251,835 1,317,751 -4.9
Other borrowed funds 1,476,120 1,497,299 1,496,033 -1.3
Subordinated debt 68,677 68,844 68,928 -0.4
All other liabilities 509,509 535,705 493,161 3.3
Total equity capital (includes minority interests) 2,022,559 1,997,239 1,958,039 3.3
Bank equity capital 2,019,086 1,993,746 1,953,700 3.3
Loans and leases 30-89 days past due 65,984 63,196 67,583 -2.4
Noncurrent loans and leases 100,245 101,270 116,421 -13.9
Restructured loans and leases 55,752 56,395 60,221 -7.4
Mortgage-backed securities 2,187,121 2,157,644 2,133,349 2.5
Earning assets 16,255,811 15,959,361 15,760,886 3.1
FHLB advances 571,406 553,364 582,547 -1.9
Unused loan commitments 7,819,743 7,842,642 7,516,182 4.0
Trust assets 19,304,690 20,422,634 20,333,376 -5.1
Assets securitized and sold 604,697 625,982 677,871 -10.8
Notional amount of derivatives 178,089,249 209,754,237 173,484,033 2.7
INCOME DATA Full Year
2018
Full Year
2017
% Change 4th Quarter
2018
4th Quarter
2017
% Change
17Q4-18Q4
Total interest income $660,988 $572,277 15.5 $176,892 $150,790 17.3
Total interest expense 119,799 73,254 63.5 36,733 21,137 73.8
Net interest income 541,189 499,023 8.5 140,159 129,653 8.1
Provision for loan and lease losses 49,998 51,134 -2.2 14,027 13,630 2.9
Total noninterest income 266,165 255,251 4.3 64,369 62,736 2.6
Total noninterest expense 459,322 442,546 3.8 118,056 117,862 0.2
Securities gains (losses) 328 2,129 -84.6 -231 24 N/M
Applicable income taxes 61,058 97,954 -37.7 13,045 35,327 -63.1
Extraordinary gains, net* -267 -87 -206.4 -40 -222 81.8
Total net income (includes minority interests) 237,036 164,682 43.9 59,129 25,373 133.0
Bank net income 236,750 164,346 44.1 59,062 25,303 133.4
Net charge-offs 47,479 46,805 1.4 12,592 13,198 -4.6
Cash dividends 164,704 121,413 35.7 52,742 30,258 74.3
Retained earnings 72,045 42,932 67.8 6,320 -4,955 N/M
Net operating income 237,059 163,257 45.2 59,373 25,524 132.6

* See Notes to Users for explanation

N/M - Not Meaningful

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