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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) 2nd Quarter
2018
1st Quarter
2018
2nd Quarter
2017
% Change
17Q2-18Q2
Number of institutions reporting 5,542 5,607 5,787 -4.2
Total employees (full-time equivalent) 2,077,035 2,076,978 2,093,283 -0.8
CONDITION DATA
Total assets $17,532,848 $17,531,541 $17,069,453 2.7
Loans secured by real estate 4,831,855 4,795,206 4,691,032 3.0
1-4 Family residential mortgages 2,090,483 2,072,611 2,019,883 3.5
Nonfarm nonresidential 1,421,579 1,402,650 1,365,216 4.1
Construction and development 346,939 344,173 324,111 7.0
Home equity lines 389,047 398,436 424,044 -8.3
Commercial & industrial loans 2,077,261 2,051,797 1,982,090 4.8
Loans to individuals 1,658,216 1,634,554 1,573,842 5.4
Credit cards 837,188 820,415 779,714 7.4
Farm loans 79,845 75,619 79,441 0.5
Other loans & leases 1,211,852 1,197,490 1,133,844 6.9
Less: Unearned income 2,347 2,283 2,040 15.0
Total loans & leases 9,856,682 9,752,384 9,458,208 4.2
Less: Reserve for losses 123,413 123,743 121,386 1.7
Net loans and leases 9,733,269 9,628,641 9,336,822 4.2
Securities 3,633,321 3,598,925 3,568,971 1.8
Other real estate owned 7,614 8,133 9,627 -20.9
Goodwill and other intangibles 391,735 388,766 376,684 4.0
All other assets 3,766,910 3,907,076 3,777,350 -0.3
Total liabilities and capital 17,532,848 17,531,541 17,069,453 2.7
Deposits 13,468,726 13,528,940 13,105,310 2.8
Domestic office deposits 12,235,438 12,256,900 11,780,618 3.9
Foreign office deposits 1,233,288 1,272,040 1,324,692 -6.9
Other borrowed funds 1,494,288 1,471,092 1,447,746 3.2
Subordinated debt 67,197 69,852 77,428 -13.2
All other liabilities 518,827 493,059 500,766 3.6
Total equity capital (includes minority interests) 1,983,810 1,968,598 1,938,203 2.4
Bank equity capital 1,980,329 1,965,000 1,933,123 2.4
Loans and leases 30-89 days past due 59,368 63,138 58,410 1.6
Noncurrent loans and leases 104,823 112,481 116,520 -10.0
Restructured loans and leases 57,618 58,438 62,818 -8.3
Mortgage-backed securities 2,156,874 2,113,396 2,072,554 4.1
Earning assets 15,851,976 15,883,667 15,406,743 2.9
FHLB Advances 583,974 553,988 565,704 3.2
Unused loan commitments 7,736,767 7,721,910 7,348,535 5.3
Trust assets 20,369,312 20,360,217 18,547,441 9.8
Assets securitized and sold 589,409 657,750 714,598 -17.5
Notional amount of derivatives 209,828,300 205,986,536 187,865,984 11.7
INCOME DATA First-Half
2018
First-Half
2017
% Change 2nd Quarter
2018
2nd Quarter
2017
% Change
17Q2-18Q2
Total interest income $316,505 $276,737 14.4 $161,891 $140,570 15.2
Total interest expense 51,329 32,658 57.2 27,781 17,191 61.6
Net interest income 265,176 244,079 8.6 134,109 123,379 8.7
Provision for loan and lease losses 24,108 24,037 0.3 11,712 12,006 -2.4
Total noninterest income 135,391 129,049 4.9 68,051 66,722 2.0
Total noninterest expense 228,733 217,259 5.3 113,379 108,401 4.6
Securities gains (losses) 422 1,318 -68.0 175 772 -77.3
Applicable income taxes 31,726 41,044 -22.7 16,804 22,266 -24.5
Extraordinary gains, net* -188 16 N/M -180 19 N/M
Total net income (includes minority interests) 116,234 92,122 26.2 60,259 48,220 25.0
Bank net income 116,083 91,943 26.3 60,201 48,132 25.1
Net charge-offs 23,738 22,732 4.4 11,682 11,235 4.0
Cash dividends 68,331 55,598 22.9 37,788 28,330 33.4
Retained earnings 47,753 36,345 31.4 22,413 19,802 13.2
Net operating income 116,083 91,192 27.3 60,301 47,662 26.5

* See Notes to Users for explanation

N/M - Not Meaningful

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