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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
(dollar figures in millions) 2nd Quarter
2018
1st Quarter
2018
2nd Quarter
2017
% Change
17Q2-18Q2
Number of institutions reporting 5,111 5,170 5,338 -4.3
Total employees (full-time equivalent) 415,507 412,810 425,216 -2.3
CONDITION DATA
Total assets $2,221,502 $2,207,543 $2,206,024 0.7
Loans secured by real estate 1,216,862 1,199,955 1,185,836 2.6
1-4 Family residential mortgages 400,062 394,746 396,680 0.9
Nonfarm nonresidential 468,396 461,534 453,545 3.3
Construction and development 108,623 106,251 102,498 6.0
Home equity lines 48,773 48,596 49,596 -1.7
Commercial & industrial loans 210,271 205,409 205,864 2.1
Loans to individuals 62,699 61,526 60,779 3.2
Credit cards 1,885 1,925 1,988 -5.2
Farm loans 52,103 48,602 51,397 1.4
Other loans & leases 39,711 38,169 40,442 -1.8
Less: Unearned income 701 702 696 0.7
Total loans & leases 1,580,945 1,552,960 1,543,622 2.4
Less: Reserve for losses 18,233 18,187 18,326 -0.5
Net loans and leases 1,562,712 1,534,773 1,525,296 2.5
Securities 402,667 406,458 423,934 -5.0
Other real estate owned 3,573 3,783 4,448 -19.7
Goodwill and other intangibles 15,200 14,185 14,432 5.3
All other assets 237,351 248,344 237,913 -0.2
Total liabilities and capital 2,221,502 2,207,543 2,206,024 0.7
Deposits 1,818,268 1,817,595 1,802,189 0.9
Domestic office deposits 1,817,682 1,816,806 1,801,423 0.9
Foreign office deposits 587 789 766 -23.4
Brokered deposits 74,850 93,002 86,752 -13.7
Estimated insured deposits 1,335,036 1,339,087 1,339,266 -0.3
Other borrowed funds 138,438 129,042 139,055 -0.4
Subordinated debt 629 629 759 -17.2
All other liabilities 16,072 15,579 15,849 1.4
Total equity capital (includes minority interests) 248,095 244,698 248,172 0.0
Bank equity capital 247,978 244,583 248,045 0.0
Loans and leases 30-89 days past due 7,437 8,970 7,309 1.8
Noncurrent loans and leases 12,913 13,198 14,464 -10.7
Restructured loans and leases 6,558 6,622 7,443 -11.9
Mortgage-backed securities 177,154 174,963 181,021 -2.1
Earning assets 2,072,207 2,062,765 2,056,176 0.8
FHLB Advances 115,387 106,697 112,725 2.4
Unused loan commitments 303,314 298,830 290,478 4.4
Trust assets 293,501 303,544 259,882 12.9
Assets securitized and sold 9,544 19,462 21,310 -55.2
Notional amount of derivatives 78,099 70,273 69,794 11.9
INCOME DATA First-Half
2018
First-Half
2017
% Change 2nd Quarter
2018
2nd Quarter
2017
% Change
17Q2-18Q2
Total interest income $43,779 $41,133 6.4 $22,381 $20,995 6.6
Total interest expense 6,399 4,951 29.3 3,401 2,575 32.1
Net interest income 37,380 36,183 3.3 18,981 18,420 3.0
Provision for loan and lease losses 1,475 1,549 -4.8 666 876 -23.9
Total noninterest income 9,212 9,508 -3.1 4,715 4,844 -2.7
Total noninterest expense 30,017 29,753 0.9 15,126 15,026 0.7
Securities gains (losses) 91 228 -59.9 30 102 -70.8
Applicable income taxes 2,540 3,443 -26.2 1,314 1,746 -24.8
Extraordinary gains, net* -162 -1 N/M -163 -7 N/M
Total net income (includes minority interests) 12,490 11,172 11.8 6,457 5,711 13.1
Bank net income 12,481 11,161 11.8 6,452 5,703 13.1
Net charge-offs 1,077 1,093 -1.4 587 695 -15.6
Cash dividends 5,291 5,103 3.7 2,903 2,541 14.3
Retained earnings 7,190 6,058 18.7 3,549 3,162 12.2
Net operating income 12,577 11,003 14.3 6,597 5,634 17.1

* See Notes to Users for explanation.

N/M - Not Meaningful.

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