Skip Header

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 5,110 5,104 0.1
Total employees (full-time equivalent) 415,507 409,455 404,584 2.7
CONDITION DATA
Total assets $2,221,502 $2,198,222 $2,114,530 5.1
Loans secured by real estate 1,216,862 1,193,695 1,135,133 7.2
1-4 Family residential mortgages 400,062 392,154 381,228 4.9
Nonfarm nonresidential 468,396 459,413 432,226 8.4
Construction and development 108,623 106,029 97,291 11.6
Home equity lines 48,773 48,437 47,848 1.9
Commercial & industrial loans 210,271 203,451 194,838 7.9
Loans to individuals 62,699 61,487 59,850 4.8
Credit cards 1,885 1,887 1,910 -1.3
Farm loans 52,103 49,035 51,505 1.2
Other loans & leases 39,711 38,204 37,058 7.2
Less: Unearned income 701 704 687 2.0
Total loans & leases 1,580,945 1,545,167 1,477,697 7.0
Less: Reserve for losses 18,233 18,120 17,702 3.0
Net loans and leases 1,562,712 1,527,047 1,459,995 7.0
Securities 402,667 405,948 408,549 -1.4
Other real estate owned 3,573 3,785 4,320 -17.3
Goodwill and other intangibles 15,200 14,372 12,888 17.9
All other assets 237,351 247,070 228,778 3.7
Total liabilities and capital 2,221,502 2,198,222 2,114,530 5.1
Deposits 1,818,268 1,811,164 1,733,087 4.9
Domestic office deposits 1,817,682 1,810,375 1,732,640 4.9
Foreign office deposits 587 789 447 31.2
Brokered deposits 74,850 93,063 83,305 -10.1
Estimated insured deposits 1,335,036 1,331,919 1,292,104 3.3
Other borrowed funds 138,438 126,977 128,671 7.6
Subordinated debt 629 629 575 9.4
All other liabilities 16,072 15,470 15,031 6.9
Total equity capital (includes minority interests) 248,095 243,981 237,166 4.6
Bank equity capital 247,978 243,867 237,059 4.6
Loans and leases 30-89 days past due 7,437 8,940 7,081 5.0
Noncurrent loans and leases 12,913 13,143 14,011 -7.8
Restructured loans and leases 6,558 6,594 7,254 -9.6
Mortgage-backed securities 177,154 175,419 172,770 2.5
Earning assets 2,072,207 2,053,971 1,971,330 5.1
FHLB Advances 115,387 104,360 104,028 10.9
Unused loan commitments 303,314 298,715 278,113 9.1
Trust assets 293,501 288,874 264,808 10.8
Assets securitized and sold 9,544 19,462 21,310 -55.2
Notional amount of derivatives 78,099 71,145 67,398 15.9
INCOME DATA First-Half
2018
First-Half
2017
% Change 2nd Quarter
2018
2nd Quarter
2017
% Change
17Q2-18Q2
Total interest income $43,779 $38,823 12.8 $22,381 $19,829 12.9
Total interest expense 6,399 4,629 38.2 3,401 2,409 41.2
Net interest income 37,380 34,194 9.3 18,981 17,420 9.0
Provision for loan and lease losses 1,475 1,504 -1.9 666 860 -22.5
Total noninterest income 9,212 8,873 3.8 4,715 4,513 4.5
Total noninterest expense 30,017 28,095 6.8 15,126 14,191 6.6
Securities gains (losses) 91 224 -59.3 30 99 -69.9
Applicable income taxes 2,540 3,208 -20.8 1,314 1,643 -20.0
Extraordinary gains, net* -162 -1 N/M -163 -7 N/M
Total net income (includes minority interests) 12,490 10,482 19.2 6,457 5,332 21.1
Bank net income 12,481 10,473 19.2 6,452 5,326 21.1
Net charge-offs 1,077 1,052 2.4 587 675 -13.1
Cash dividends 5,291 4,594 15.2 2,903 2,309 25.7
Retained earnings 7,190 5,880 22.3 3,549 3,017 17.6
Net operating income 12,577 10,315 21.9 6,597 5,257 25.5

* See Notes to Users for explanation.

N/M - Not Meaningful.

Skip Footer back to content