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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) 1st Quarter
2018
4th Quarter
2017
1st Quarter
2017
% Change
17Q1-18Q1
Number of institutions reporting 5,168 5,227 5,401 -4.3
Total employees (full-time equivalent) 411,542 416,263 428,773 -4.0
CONDITION DATA
Total assets $2,200,587 $2,201,581 $2,215,225 -0.7
Loans secured by real estate 1,196,115 1,195,000 1,179,830 1.4
1-4 Family residential mortgages 394,000 395,474 394,914 -0.2
Nonfarm nonresidential 459,216 457,040 451,608 1.7
Construction and development 105,991 106,797 102,530 3.4
Home equity lines 48,308 49,746 50,024 -3.4
Commercial & industrial loans 204,497 204,836 203,605 0.4
Loans to individuals 61,406 61,879 60,636 1.3
Credit cards 1,923 2,038 2,109 -8.8
Farm loans 48,594 51,658 48,373 0.5
Other loans & leases 38,159 38,905 38,308 -0.4
Less: Unearned income 694 698 667 4.1
Total loans & leases 1,548,077 1,551,581 1,530,084 1.2
Less: Reserve for losses 18,140 18,079 18,843 -3.7
Net loans and leases 1,529,937 1,533,502 1,511,241 1.2
Securities 405,387 408,787 432,396 -6.2
Other real estate owned 3,777 3,915 4,782 -21.0
Goodwill and other intangibles 14,021 13,535 14,719 -4.7
All other assets 247,465 241,842 252,087 -1.8
Total liabilities and capital 2,200,587 2,201,581 2,215,225 -0.7
Deposits 1,812,310 1,804,510 1,823,141 -0.6
Domestic office deposits 1,811,520 1,804,020 1,822,690 -0.6
Foreign office deposits 789 490 451 74.9
Brokered deposits 92,583 90,765 84,733 9.3
Estimated insured deposits 1,335,694 1,328,244 1,354,785 -1.4
Other borrowed funds 128,275 135,383 129,364 -0.8
Subordinated debt 630 865 767 -17.8
All other liabilities 15,462 15,856 16,276 -5.0
Total equity capital (includes minority interests) 243,910 244,967 245,677 -0.7
Bank equity capital 243,796 244,844 245,552 -0.7
Loans and leases 30-89 days past due 8,962 8,366 8,950 0.1
Noncurrent loans and leases 13,172 13,275 15,287 -13.8
Restructured loans and leases 6,607 7,005 7,796 -15.3
Mortgage-backed securities 174,030 173,570 186,602 -6.7
Earning assets 2,056,721 2,052,645 2,064,421 -0.4
FHLB Advances 106,075 111,179 102,227 3.8
Unused loan commitments 297,365 290,991 292,422 1.7
Trust assets 286,832 331,171 262,935 9.1
Assets securitized and sold 19,462 24,076 21,535 -9.6
Notional amount of derivatives 69,529 66,616 64,134 8.4
INCOME DATA Full Year
2017
Full Year
2016
% Change 1st Quarter
2018
1st Quarter
2017
% Change
17Q1-18Q1
Total interest income $82,221 $79,190 3.8 $21,563 $20,531 5.0
Total interest expense 10,321 9,133 13.0 3,036 2,433 24.8
Net interest income 71,900 70,057 2.6 18,528 18,098 2.4
Provision for loan and lease losses 3,139 3,277 -4.2 804 685 17.4
Total noninterest income 18,690 19,937 -6.3 4,497 4,802 -6.3
Total noninterest expense 59,094 59,983 -1.5 14,992 15,080 -0.6
Securities gains (losses) 351 638 -45.1 52 128 -59.3
Applicable income taxes 8,146 6,566 24.1 1,221 1,720 -29.0
Extraordinary gains, net* 2 -9 N/M 2 7 N/M
Total net income (includes minority interests) 20,563 20,797 -1.1 6,061 5,550 9.2
Bank net income 20,540 20,774 -1.1 6,058 5,545 9.2
Net charge-offs 2,394 2,256 6.1 489 413 18.3
Cash dividends 9,950 10,213 -2.6 2,439 2,593 -6.0
Retained earnings 10,590 10,561 0.3 3,619 2,952 22.6
Net operating income 20,294 20,301 0.0 6,016 5,455 10.3
* See Notes to Users for explanation N/M - Not Meaningful